News
Fiducia adviser shortlisted for national award
Posted in Fiducia News, Awards on 21.05.19 Read A Fiducia adviser has been shortlisted for a national award in recognition of her work advising people on their pensions.Cash flow analysis
Posted in Fiducia News on 16.05.19 Read Do you have questions about cash flow analysis? Here our chartered wealth planner Josh Gupta explains everything you need to know.Fiducia Wealth | Next Generation Networking 2019
Posted in Fiducia News on 10.05.19 Read Did you attend our Next Generation Networking on Thursday 9 May? See if you made it into our gallery from the evening.Two new faces join the Fiducia team
Posted in Fiducia News on 30.04.19 Read Fiducia Wealth Management is delighted to welcome two new members of staff to the client services team.Seven Steps To Financially Look After Your Loved Ones
Posted in Fiducia News on 15.04.19 Read What do you want to achieve? What’s important to you? As a financial adviser, I can tell you that almost all my clients are driven by a desire to protect the ones they love and to make sure they are looked after financially.What is inheritance tax?
Posted in Fiducia News, Inheritance Tax on 11.04.19 Read Do you have questions about inheritance tax? Here Susie Laws, director and chartered financial planner at Fiducia Wealth Management, explains some of the key points.Fiducia Wealth Management | Next Generation Networking
Posted in Fiducia News on 02.04.19 Read Three Wise Monkeys, 60 High Street, Colchester, CO1 1DN Exclusive use of the basement gin barLocal firm shortlisted for two prestigious industry awards
Posted in Fiducia News, Awards on 21.03.19 Read A wealth management firm based on the Suffolk Essex border is proud to announce that it has been shortlisted for two prestigious industry awards.Personal Finance Clinic Tax Planning Tips
Posted in Fiducia News, Financial Advice (+2 more), on 20.03.19 Read We are fast approaching the end of the tax year, so take a few minutes to review your personal finances ahead of the 5 April deadline.Developments in Dedham
Posted in Fiducia News on 07.03.19 Read It’s been another busy month in Dedham with further qualifications gained and a new member joining the Fiducia team.Expansion sees Fiducia open office in Chelmsford
Posted in Fiducia News on 27.02.19 Read A multi award-winning wealth management company has announced expansion plans – including opening a second office in Essex.Investment and economic webcast with Michael Hughes
Posted in Fiducia News, Market Commentary on 18.02.19 Read Fiducia are delighted to welcome back our investment and economic consultant, Michael Hughes, for his latest webcast.Advisers speak to young adults about importance of personal finance
Posted in Fiducia News on 13.02.19 Read Financial advisers from a leading East Anglian firm have spoken to students about the importance of personal finance and careers in financial advice.Developments in Dedham – August 2023
Posted in Fiducia News, Awards (+1 more), on 03.08.23 Read We hope this message finds you well. It’s been some time since our last update, so we wanted to provide an overview of the key developments and activities happening at Fiducia.In alignment with our mission to be a disruptive, growth-oriented company making a difference for clients and our local community, we have made great progress on multiple fronts.
We are pleased to welcome three new team members – (from...
Is An Interest Rate Rise Good For You?
Posted in Financial Planning, Fiducia News on 03.08.23 Read The Bank of England raised interest rates to 5.25% on Thursday 3rd August 2023, that’s now the 14th consecutive month that rates have risen. Ahead of the monetary policy decision, Fiducia Co-Owner and Chartered Financial Planner Susie Laws was asked to make several appearances on the BBC.First up was an appearance on BBC 5Live’s radio program with Nicky Campbell. The debate throughout the show heard the audience...
5 reasons to have a Financial Adviser
Posted in Financial Planning, Final Salary Pensions (+8 more), on 31.07.23 Read In today’s uncertain and volatile economy, succumbing to financial stress has become all too common. In such a scenario, having a financial adviser in the UK is becoming increasingly essential. Financial advisers are professionals who can provide you with practical advice and guidance on all aspects of finance, including investments, savings, mortgages, and retirement planning.
Below we highlight 5 reasons...
Bite sized bits – Retirement Needs
Posted in Financial Planning, Financial Advice (+2 more), on 24.07.23 Read Retirement is a crucial stage in life that requires careful planning and preparation. It’s a time when you are no longer working, and your income may decrease, but your expenses may increase. Therefore, it’s essential to plan for your retirement needs in advance to ensure you have enough money to support your lifestyle.1. Living Expenses
Living expenses are the most significant retirement need that you need...
Understanding Business Relief
Posted in Financial Planning, Tax Planning (+2 more), on 17.07.23 Read Business Relief (BR), formerly known as Business Property Relief (BPR) is a tax relief in the UK that can help to reduce the Inheritance Tax (IHT) liability on a business owner’s estate when they die. BR was introduced to encourage entrepreneurship and to ensure that family businesses and other businesses can continue to operate after the death of the owner.BR is available at two rates: 100% relief and 50%...
How to reduce your income tax bill
Posted in Financial Planning, Annual Allowance (+5 more), on 10.07.23 Read Income tax is a necessary component of living and working in the UK, but it can also be a significant expense. There are, however, ways to reduce your income tax bill and keep more of your hard-earned money.Here are some strategies to consider:
1. Make use of tax-free allowances: There are a number of tax-free allowances available in the UK that can help reduce your income tax bill. These include the personal...
Using Pensions & ISAs to provide liquidity in times of property market stress
Posted in Financial Planning, Financial Advice (+4 more), on 23.06.23 Read The property market can be unpredictable at the best of times, and during times of stress, it can be difficult to liquidate property assets quickly. However, pensions and ISAs (Individual Savings Account) can provide liquidity and different tax benefits during these times, alongside any property investments, making them a valuable tool for investors to consider.During the property market selloff of 2007/08 ,...
Q&A with Economist and Fiducia Consultant Michael Hughes
Posted in Investing, Fund Manager Q&A (+4 more), on 09.05.23 Read During a busy period despite the 2022/23 Tax Year ending, our team managed to catch up with leading Economist and consultant to the Fiducia Investment Committee, Michael Hughes in a live Q&A.Michael shared his thoughts on current economic events, financial market performance and areas of interest when seeking future investment success.
You can watch the Q&A by clicking the button below.
***UPDATED*** After the UK Budget, should I pay into my pension again?
Posted in Financial Planning, Financial Advice (+6 more), on 22.03.23 Read “Following the budget, should I pay into a pension again? And what about if I have existing transitional LTA protection”These are questions that I have been asked a few times since Wednesday!
In short, there is no simple answer and it will depend on a number of different things, such as; your circumstances; what your longer term goals are with regards to your pension funds; affordability and so on.
For...
Do you need a Trust to protect your wealth?
Posted in Financial Planning, Bare Trusts (+7 more), on 22.03.23 Read Determining whether you need a trust requires careful consideration of your personal and financial circumstances. In this article we explain what Trusts are, what trusts are available and how you can go about setting one up…should you feel it is the right route to go down to protect your wealth.Under no circumstances are we suggesting you use the information within this article as advice to set up a Trust to...
Silicon Valley Bank Failure
Posted in Fiducia News on 13.03.23 ReadOn Wednesday 8th March, Silicon Valley Bank (SVB) informed the markets of its $2 billion shortfall of capital. Within 48hrs, US regulators had closed the bank due to a run by depositors to withdraw funds.
Our Economist, Michael Hughes, has provided the following comment:
This is another example of the distortions caused by zero interest rate policies for many years. That policy encouraged investing in risky...
Austyn Johnson – Helping your children to buy property? No cash? No problem!
Posted in Financial Planning, Financial Advice (+1 more), on 06.03.23 Read When it comes to helping your children hop up onto the property ladder, it’s always been the same, ‘give them some money’. But what does that really mean? Well, put frankly, it means you give them money you know you’ll never see again!In a period where the cost of living crisis is taking hold for many and cash isn’t as readily available as it once was, what if there was a way to help your children onto...
Be More Tax Aware
Posted in Corporation Tax, Financial Planning (+15 more), on 02.03.23 Read It’s not exactly a huge secret…but the end of the 2022/23 tax year is fast approaching. What can you do to ensure you are making best use of the allowances afforded to you by HMRC in the UK?According to Gov.uk, HMRC collected £715.5 billion in taxes in 2021 to 2022, an increase of 22.5% from the year before. There’s no denying that’s a huge sum of money. Whilst taxes must be paid, there are ways...
Developments in Dedham – December 2022
Posted in Fiducia News, Awards (+1 more), on 09.12.22 Read With Christmas only a couple of weeks away, it’s sad to say this will be our last Developments in Dedham blog for 2022. But fear not, we’ll be back in early 2023 to share all the latest news from our offices with you, our followers, our clients and our friends in business.Time flies when you’re having fun and despite some village confusion with a tree falling down and damaging the church wall, we have been...