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Financial protection: How it could help you bridge an income gap

 Fiducia Wealth Management Posted in Financial Planning on 08.04.25 Read You don’t know what’s around the corner, but that doesn’t mean you can’t prepare for it.

A financial shock could derail your short- and long-term plans and might mean you face additional stress at an already difficult time. So, creating a financial safety net that you can rely on should the unexpected happen could offer you peace of mind. 

Over the next few months, you can read about how financial...

Investment market update: February 2025

 Fiducia Wealth Management Posted in Financial Advice on 17.03.25 Read After reading headlines throughout February, you might be expecting a gloomy investment outlook. Yet, despite threats of trade wars and uncertainty around the world, there were market highs. Read on to find out more about some of the factors that influenced investment markets. 

As investment markets are experiencing volatility, it’s perhaps unsurprising that some investors sought the “safe haven” of gold....

3 ways your property could be taxed as a homeowner

 Fiducia Wealth Management Posted in Tax Planning on 17.03.25 Read The UK property market has been a source of frustration, and the Labour government has identified the sector as a major barrier to economic growth. One of the areas that may be reviewed is how property is taxed.

Indeed, the Institute for Fiscal Studies suggested tax is damaging the housing market in a December 2024 podcast. 

For aspiring homeowners, soaring property prices mean many are struggling to save the...

How to reduce your Capital Gains Tax bill in 2025

 Fiducia Wealth Management Posted in Tax Planning, Capital Gains Tax on 17.03.25 Read A combination of rising rates and panic ahead of the current government’s first Autumn Budget has led to HRMC collecting a record amount in Capital Gains Tax (CGT) towards the end of 2024. 

According to a report in the Telegraph, between July and November 2024, CGT generated more than £1 billion for the government – more than a £200 million increase when compared to the same period in 2023. 

The rise in...

The potential perils of accessing your pension at 55

 Fiducia Wealth Management Posted in Pensions & Retirement, Company Pensions (+2 more), on 17.03.25 Read Reaching the minimum pension age and being able to access your retirement savings might mean new possibilities opening up. You may start thinking about giving up work, withdrawing a lump sum to pursue a goal, or using your pension to boost your regular income.  

It’s an exciting time, but it’s also important to evaluate your decisions and consider how they could affect your long-term plans. Indeed, spending...

3 retirement financial shocks that could affect your finances

 Fiducia Wealth Management Posted in Financial Advice, Pensions & Retirement on 17.03.25 Read Those who have retired or are nearing the milestone are consistently overlooking the risk of financial shocks when compared to other generations, a survey published in PensionsAge in December 2024 suggests.  

According to the report, 43% of over-50s had thought about financial shocks but not included the risks in their retirement plan. A further 32% haven’t considered risks at all. 

Later in life, you might...

Why ongoing financial advice could ease your mental load

 Fiducia Wealth Management Posted in Fiducia News on 17.03.25 Read Handling finances is a part of life and something that most people do, but that doesn’t mean it isn’t stressful. Indeed, many people don’t feel confident making financial decisions, and financial advice could ease their mental load.

Even when you’re relatively comfortable, managing your finances can be a cause of concern. Indeed, you might find it even more stressful as you may be considering how to...

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, Pensions & Retirement 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%...
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