News
Developments in Dedham
Posted in Fiducia News on 30.07.18 Read It has been a busy few weeks at Fiducia. Here are just some of the many highlights…When I’m gone
Daniel Kern, Senior Financial Adviser
Posted in Financial Advice, Wealth Management on 30.07.18
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How a simple list can help your loved ones after your death
Although it may not feel like it, your family finances are probably more precarious than you think. It’s all well and good when the breadwinners are healthy and working, but if something unfortunate were to happen, the outlook for those around you could change instantly.
To transfer, or not to transfer?
Susie Laws, Senior Financial Adviser
Posted in Fiducia News, Pensions & Retirement on 30.07.18
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More than 100,000 people transferred out of Defined Benefit (DB) pensions in 2017/18[1]. A DB pension scheme is one where the amount you’re paid is based on how many years you’ve worked for your employer and the salary which you have earned.
Back to the future
Josh Gupta, Certified Financial Planner ™
Posted in Fiducia News, Pensions & Retirement on 30.07.18
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Visualising what really matters to you is the key to the planning process
Have you ever thought about writing a letter to yourself to describe your ideal future life, long-term life goals and the process of how to plan for them? Imagining what you want your life to be like in the long term when you retire can help you think much further ahead than you might ever have done before. Research conducted for a new...
Fiducia signs up to become a SIFA Professional member
Posted in Fiducia News on 11.07.18 Read Organisation promotes closer working between the financial and legal profession We are delighted to announce that we have signed up to become a SIFA Professional member.Fun charity corporate challenge raises more than £2,000
Posted in Fiducia News on 02.07.18 Read Fiducia Charity Challenge raised money for the Suffolk Community Foundation and the Essex Community Foundation. A fun sports-themed challenge that brings together companies from across Suffolk and Essex has raised more than £2,000 for local charities.Fiducia highly commended in prestigious awards
Posted in Fiducia News on 28.06.18 Read Money Marketing Awards success continues in Best Investment Adviser category. We are delighted to announce that we have been Highly Commended in the industry-renowned Money Marketing Awards.Fiducia up for trio of awards at premier financial services event
Posted in Fiducia News on 19.06.18 Read Fiducia Wealth Management have been shortlisted for three individual awards at the prestigious Money Marketing Awards. The Dedham-based company, who have a long and proud track record in winning awards, have spoken of their delight at being nominated ahead of the prize-giving event on Thursday 21st June.Making the most of your pensions
Josh Gupta, Certified Financial Planner ™
Posted in Fiducia News, Pensions & Retirement on 05.07.18
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Have you accumulated multiple plans that need reviewing?
By the time we have been working for a decade or two, it is not uncommon to have accumulated multiple pension plans. There’s no wrong time to start thinking about pension consolidation, but you might find yourself thinking about it if you’re starting a new job or nearing retirement.
2018/19 tax changes
Josh Gupta, Certified Financial Planner ™
Posted in Tax Planning on 04.06.18
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New initiatives you need to know
It’s important to consider the tax implications of making financial decisions. The 2018/19 tax year is now upon us, and a raft of new changes have come into force. The good news is that the overall tax burden is little changed for basic-rate taxpayers, but there are number of areas that have changed that should be taken note of.
Make it a date
Daniel Kern, Senior Financial Adviser
Posted in Fiducia News, Pensions & Retirement on 20.07.18
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Keeping your target retirement plans on track
Most over-45s are not making plans to match their hopes for the future, according to research from Standard Life[1]. The vast majority (86%) of those aged 45 or over are already dreaming about escaping their working life for retirement, but only 8% of the same age group have recently checked the retirement date on their pension plans to make sure it is still in line...
The beginning of a new chapter for Fiducia
Posted in Fiducia News on 30.05.18 Read Gordon Kearney promoted to Managing Director of Fiducia Fiducia Wealth Management is delighted to announce the promotion of Gordon Kearney to the position of Managing Director which follows John Millican’s decision to step down and become Executive Chairman.Venture Capital Trusts
Daniel Kern, Senior Financial Adviser
Posted in Tax Planning, VCT & EIS on 21.06.18
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Expansion and diversification of a portfolio, supplementing a pension or benefiting from tax relief are all good reasons to consider Venture Capital Trusts (VCTs).
Fiducia Charity Challenge 2018
Posted in Fiducia News on 22.05.18 Read We are delighted to be once again hosting the Fiducia Charity Challenge on Thursday 21st June The annual event brings together a number of local corporate partners to take part in some fun games and networking – in support of two very worthwhile charities.Offshore assets – Anything to declare?
Posted in Tax Planning on 04.06.18 Read Deadline of 30 September 2018 for “Requirement to Correct” (RTC) for undeclared UK tax liabilities on offshore assets as tough new penalties introduced.New lease of life
Susie Laws, Senior Financial Adviser
Posted in Pensions & Retirement on 13.04.18
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Pensioners embracing the benefits of retirement and new-found time
As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.
Market matters
Gordon Kearney, Managing Director and Financial Adviser
Posted in Fiducia News, Investing on 13.04.18
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Don’t let current global uncertainties affect your financial planning
It’s important not to let current global uncertainties affect your financial planning for the years ahead. People who stop their investment planning, particularly during market downturns, often miss out on opportunities to invest at lower prices.
Wealth preservation
Gordon Kearney, Managing Director and Financial Adviser
Posted in Inheritance Tax on 04.04.18
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Reducing Inheritance Tax means taking action now
Without professional advice and careful financial planning, HM Revenue & Customs (HMRC) can become the single largest beneficiary of your estate following your death.
ISA returns of the year
Gordon Kearney, Managing Director and Financial Adviser
Posted in Financial Advice, ISA's (+3 more), on 15.03.18
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Taking control over where your money is invested tax-efficiently
A new tax year is nearly upon us – and that means for all diligent savers and investors, you should make sure that you take full advantage of your current Individual Savings Account (ISA) tax-efficient allowance.
Award Winners!
Posted in Fiducia News, Financial Advice on 02.03.18 Read Fiducia Wealth Management are delighted to have been awarded Adviser of the year (East Anglia and the Midlands) at the Professional Adviser Awards 2018.Will you make provision for all those you hold dear?
Daniel Kern, Senior Financial Adviser
Posted in Fiducia News, Financial Advice (+1 more), on 08.03.18
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Getting your affairs in order and planning what you want to pass on to loved ones
Writing a will may seem daunting, and with everything else we should be thinking about it becomes just another chore on the to-do list. It’s especially important for cohabitating couples to have a will, as the surviving partner does not automatically inherit any estate or possessions left behind.
Savings income doesn’t need to be taxing, but it might be taxed!
Daniel Kern, Senior Financial Adviser
Posted in Fiducia News, Financial Advice (+3 more), on 31.01.18
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Prior 6 April 2016 savings from bank and building society accounts were taxed automatically at the basic rate of income tax meaning that for basic rate tax payers there was no further tax to pay…….simple!
Q&A: Veritas Asian Fund
Posted in Fiducia News, Fund Manager Q&A (+1 more), on 21.12.17 Read Fund Managers at Veritas answer four questions from our investment team about their fund and its performance, introducing the fund to investors.New Member of Resolution
Posted in Fiducia News, Pensions & Divorce on 10.12.17 Read Resolution, which was formerly known as the Solicitors Family Law Association (SFLA)Pre-Nuptial Agreements
Posted in Guest Editor on 29.11.17 Read There can be little doubt that a pre-nuptial agreement is the very antithesis of romantic gesture. Not for the faint-hearted are the words ‘I love you but if we divorce I don’t want to share with you’.Protect the things that mean the most to you
Gordon Kearney, Managing Director and Financial Adviser
Posted in Protection on 29.11.17
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The lifestyle of our loved ones may be seriously compromised if we die. However, very worryingly, more than 2.4 million cohabiting families across the UK – the fastest-growing family type in the country – do not have life insurance, potentially leaving their loved ones open to financial problems once they pass away, according to new analysis[1].
Inheritance Tax- The Residence Nil Rate Band (RNRB)
Susie Laws, Senior Financial Adviser
Posted in Inheritance Tax, Discounted Gifts (+2 more), on 26.10.17
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The 2015 Summer budget announced the introduction of the residence nil rate band for inheritance tax. This measure introduces an additional nil-rate band when a residence is passed on death to a direct descendant. This is in addition to the standard Inheritance Tax Nil Rate Band (NRB) of £325,000 per person and is designed to give a married couple a combined IHT free amount of £1m on death from 6th April...
