Financial Advice UK, News/Blog | Fiducia

Fiducia Wealth Management Posted in Inheritance Tax on 07.01.26 Read In the Autumn Budget 2025, the chancellor announced that Inheritance Tax (IHT) thresholds would remain frozen for a further year, until 2031.

Upcoming changes will also see unused pensions included in an estate for IHT purposes for the first time from April 2027.

These measures could see estates facing a larger IHT liability, or coming into the scope of IHT when they may previously have been exempt.

Research...

Fiducia Wealth Management Posted in Financial Planning on 07.01.26 Read Love is in the air with Valentine’s Day just around the corner. Amid planning romantic gestures, thinking about combining your financial plan with your partner’s could be valuable.

Talking about finances might seem too practical for a day that’s about celebrating love. Yet, it could support your relationship. Here are two reasons why you might want to create a single financial plan with your partner.

1....

Fiducia Wealth Management Posted in Pensions & Retirement on 07.01.26 Read A third of people don’t know how much they need to contribute to their pensions every year to create a comfortable retirement, according to a MoneyAge article (11 November 2025).

Striking the right balance with pension contributions is important. Contribute too little, and you could leave yourself short in retirement. If you contribute as much as possible to your pension now, you might miss other goals or...

Fiducia Wealth Management Posted in Financial Planning on 07.01.26 Read As 2026 begins, it’s a good time to think about what you want to achieve in the coming months. A tailored financial plan can help you set realistic goals.

Creating goals on your own can be challenging, especially if they bring together several different parts of your financial plan or have a long-term time frame. If you’re overly ambitious, it can be disheartening if you don’t reach the target you’ve set....

Fiducia Wealth Management Posted in Financial Planning on 07.01.26 Read This guest blog was written by Chris Budd, who wrote the original Financial Wellbeing Book as well as The Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing and has written more than 100 episodes of the Financial Wellbeing Podcast.

Sometimes, when we make major financial decisions, the question of money must come first. Specifically: “Can I afford it?” and “Is it...

Fiducia Wealth Management Posted in Fiducia News on 16.12.25 Read It’s been an eventful and rewarding year at Fiducia — a year marked by professional milestones, team growth, community impact and continued recognition from our clients. As we look back, we’re proud of the progress made and grateful for the support of our colleagues, clients, and local partners. Here’s a round-up of the key developments from across the business. Chartering a Milestone

After five years of...

Fiducia Wealth Management Posted in Financial Planning on 05.12.25 Read While phasing into retirement can offer you greater flexibility, it may make your finances more complex. Read on to find out more about five key considerations. 1. Calculate if you’ll need to supplement your income

While you might still earn a salary as you phase into retirement, if you’ve chosen to reduce your working hours or switch roles, it might not be enough to maintain your lifestyle.

If this is...

Fiducia Wealth Management Posted in Financial Planning on 05.12.25 Read

This guest blog was written by Chris Budd, who wrote the original Financial Wellbeing Book as well as The Four Cornerstones of Financial Wellbeing. He founded the Institute for Financial Wellbeing and has written more than 100 episodes of the Financial Wellbeing Podcast.

Whether we have it or need it, whether we manage it, accumulate it, or are spending it, money creates anxiety.

Anxiety can be debilitating....

Fiducia Wealth Management Posted in Financial Planning on 05.12.25 Read With the year drawing to a close, you might be thinking about what you can look forward to in 2026. If you love to explore new destinations and tick off bucket list experiences, Lonely Planet has put together a list of the best experiences of 2026.

Whether you want to relax, get active, or learn more about a different culture, these seven experiences could be perfect for your next adventure.

1. Stay in a...

Fiducia Wealth Management Posted in Financial Planning on 05.12.25 Read In the November 2025 Budget, the chancellor revealed new Cash ISA rules that will affect under-65s. The change could affect your savings and wider financial plan.

ISAs provide a tax-efficient way to save and invest, making them an essential part of many financial plans. In 2025/26, you can add up to £20,000 to ISAs and split the money across savings and investments however you wish. This will change from April...

Fiducia Wealth Management Posted in Financial Planning on 05.12.25 Read When you’re making financial decisions, it can feel like you’re faced with indecipherable numbers. You might know how much you have in your bank account or pension, but what does the figure mean for your future? Cashflow planning can turn the numbers into possibilities.

If you feel uncertain about your future after looking at numbers on a spreadsheet, read on to see how cashflow planning could help.

Not...

Fiducia Wealth Management Posted in Financial Planning on 05.12.25 Read Biases affect how you act, and the personal goals you’re working towards could distort how you perceive risk, rewards, and information. Indeed, the more important the goal is to you, the more likely it is that bias occurs.

Being aware of when bias might occur – and what might trigger it – could help identify when it may be affecting your decisions. Read on to find out more about the relationship between...

Fiducia Wealth Management Posted in Pensions & Retirement on 05.11.25 Read

When you start searching for the best ways to build a retirement fund, private pensions might be the first option that comes to mind.

However, they’re not the only way you can prepare for your life after work. An alternative is the Lifetime ISA (LISA) – a government-backed savings account.

While you might assume you can only use a LISA to purchase your first home, this isn’t its only purpose.

In fact,...

Fiducia Wealth Management Posted in Fiducia News on 05.11.25 Read

You may be diligently saving a nest egg for children or grandchildren. Yet, without financial education, your efforts might not be as useful as you expect.

Research suggests many children aren’t receiving sufficient financial education at school, leaving them ill-equipped to manage their finances as adults.

Financial education was added to the national curriculum in secondary schools in 2014. However, more than...

News

Gifting to reduce an Inheritance Tax bill? Here are 5 things to check first

2 reasons to combine your financial plan with your partner’s

How much should you contribute to your pension?

7 ways financial planning could help you set realistic goals

The importance of value and wellbeing when making financial decisions

Developments in Dedham: A Review of the Year

Phasing into retirement: 5 essential financial considerations

How money causes anxiety and 3 tips to reduce it

7 unbelievable travel experiences Lonely Planet recommends in 2026

Explained: The new Cash ISA rules and what they mean for your savings

How cashflow planning turns numbers into possibilities

Why your most important goals could trigger financial bias

Pension v Lifetime ISA: What’s the best way to save for your retirement?

Insufficient financial education could harm the long-term prosperity of younger generations