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The property market insights that may help you sell your home quicker

 Fiducia Wealth Management Posted in Fiducia News on 07.02.25 Read Are you planning to sell your home this year? Understanding property market trends and what prospective buyers are looking for could help you sell your home quicker and potentially secure a better price.

Read on to discover some of Zoopla’s key findings after analysing 2024 data. 

August was the most popular month for moving 

Summer is often the busiest period in the property market, so it’s no surprise...

Is your estate worth more than £2 million? Your Inheritance Tax liability could be higher than you expect

 Fiducia Wealth Management Posted in Fiducia News on 07.02.25 Read Often dubbed the “most hated tax” in the media, Inheritance Tax (IHT) is a tax on your estate when you pass away, which could reduce how much you leave behind for family and friends. If your estate is worth more than £2 million, the potential IHT bill might be higher than you expect. Read on to find out why.

Frozen thresholds mean the number of estates liable for IHT is on the rise. Indeed, according to a...

Business owners: 5 reasons you could benefit from saving into a pension

 Fiducia Wealth Management Posted in Fiducia News on 07.02.25 Read Building a business can be exciting and rewarding, and it might play a key role in ensuring you’re financially secure now and in the future. Yet, focusing all your attention on your business could mean you miss alternative ways to provide security later in life, including overlooking a pension. 

Indeed, according to a January 2024 report in This Is Money, around half of business owners aren’t regularly...

State Pension: Everything you need to know in 2025/26

 Fiducia Wealth Management Posted in Fiducia News on 07.02.25 Read For many pensioners, the State Pension provides a foundation to build their retirement income. Whether you’re already claiming the State Pension or it’s still some years away, here’s what you need to know in 2025/26. 

In the 2025/26 tax year, you can claim the State Pension from the age of 66. However, the age will gradually start to increase from 6 May 2026 to 67, and it’s expected to rise further in...

5 ways financial planning could help you emotionally prepare for retirement

 Fiducia Wealth Management Posted in Fiducia News on 07.02.25 Read While financial challenges often come up when those nearing retirement are asked about their concerns, emotional obstacles could be just as important. A financial plan might include looking at areas like your pensions and investments, but it could help you emotionally prepare for retirement as well.

Here are five ways a financial plan could improve your wellbeing and confidence when you retire. 

1. Financial...

Looking beyond the numbers when using a cashflow model

 Fiducia Wealth Management Posted in Fiducia News on 07.02.25 Read A cashflow model is a valuable tool that lets you understand how the value of your estate and individual assets might change in the future. But, to get the most out of it, you need to look beyond the numbers. 

A cashflow model provides a graphical representation of all your assets, such as investments, property and pension, as well as income, expenditures and debt. It forecasts how each of these will change over...

Master Inheritance Tax Rules and Safeguard Your Legacy

 Fiducia Wealth Management Posted in Financial Planning, Residential Nil Rate Band (+10 more), on 04.07.24 Read In the complex world of UK taxation, understanding gifting rules is key strategy for effective succession planning and managing Inheritance Tax (IHT) liabilities.  

This article delves into the UK gifting rules, with a special focus on Potentially Exempt Transfers (PETs) and regular gifts from excess income. 

 

The Basics of UK Gifting Rules 

Under current UK law, Inheritance Tax is typically charged at 40%...

Using Equity Release in Retirement

 Fiducia Wealth Management Posted in Financial Planning, Equity Release (+4 more), on 21.07.24 Read

Please Note: We are not mortgage professionals, which is a separate profession in its own right and only some of them advise on Equity Release. Therefore, this article is not intended as advice and should not be acted upon as such. Instead, we can refer you to suitably experience and qualified professionals who we can work with to tailor your financial plan.  

Your home is likely one of your largest assets....

Paying Off Mortgage Faster By Overpaying

 Fiducia Wealth Management Posted in Financial Planning, Financial Advice (+1 more), on 14.07.24 Read Paying off your mortgage can enable you to reduce work commitments, gain greater flexibility with retirement goals and remove what can be an emotional burden. This article looks at ways of accelerating mortgage repayment and the benefits of doing so.  

 

Benefits of Paying Your Mortgage Off Early 

Getting mortgage-free faster has several appealing advantages: 

 

Pay less interest over the loan term – 10...

Succession Planning: Ensuring a Smooth Transition for Your Property Portfolio in the UK

 Fiducia Wealth Management Posted in Financial Planning, Residential Nil Rate Band (+11 more), on 04.07.24 Read In the UK, property ownership is a significant component of many individuals’ portfolios, so it is essential to have a well-thought-out strategy in place to ensure a smooth transition while minimising the potential tax burden.  

Inheritance Tax (IHT) is a key consideration in this process, and not planning ahead can result in significant financial implications for your beneficiaries.  

In this article, we...

Managing Finances as a One-Person Business

 Fiducia Wealth Management Posted in Corporation Tax, Financial Planning (+6 more), on 05.07.24 Read A “solopreneur” has to wear many hats. Successfully juggling all the accounting, tax, banking, and cash flow elements is critical. This guide covers key financial tools and tips for effectively managing the money side of a one-person UK business. 

 

Choosing the Right Business Structure 

Your business structure impacts everything from legal liability to taxes, so picking the right one is key: 

Sole Trader

Reducing Your Tax Burden: Tax Planning Strategies for Business Owners

 Fiducia Wealth Management Posted in Financial Planning, BPRA (+7 more), on 28.06.24 Read For business owners in the UK, taxes can often be one of the largest expenses incurred. From corporate tax, to VAT, to personal income tax and National Insurance contributions, the various tax liabilities can quickly add up to a sizable amount every year. That’s why it’s absolutely essential for business owners to take advantage of legitimate tax planning strategies and deductions to minimise their tax payment...

Should You Pay for Financial Advice?

 Fiducia Wealth Management Posted in Financial Planning, Wealth Management on 21.06.24 Read Seeking professional financial advice is often a worthwhile investment for your money. While it does involve fees, the potential benefits tend to outweigh the costs. What are those benefits? 

 

Gain Expertise  

A financial adviser brings specialised knowledge and experience to the table. They stay up-to-date on changing tax laws, pension rules, investment products and more. Their expertise can help you...

Financial Advice for Property Investors?

 Fiducia Wealth Management Posted in Financial Planning, BPRA | Inheritance Tax | Fiducia Wealth Management (+4 more), on 10.06.24 Read

Personal financial planning entails the development of a plan to meet your financial objectives, such as gaining the ability to retire at a certain age, protecting against morbidity and mortality risks or succession planning.  

Who Needs Personal Financial Advice?  

While everyone can potentially benefit from professional financial advice, it is particularly valuable during major life transitions and...
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