Investment Solutions

Home Estate Planning & IHT Investment Solutions

A lifetime’s accumulated wealth will include assets such as a private property, savings, investments and perhaps also shares. Where assets are liquid, a review of investment strategies can result in a considerable saving in Inheritance Tax (IHT). Contact our financial investment advisers for professional advice today.

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Certain investments are exempt from Inheritance Tax after a period of two years and can form a useful part of Estate Planning. In particular we are able to advise on the use of:

AIM portfolios

Alternative investment markets shares can be free of capital gains tax.

Property, forestry and farming

The assets can be utilised as exempt from IHT.

Income portfolios

Investment portfolios designed to create excess income could be utilised – so long as they don’t adversely affect your standard of living.

The suitability of such investments will depend on your circumstances and objectives. Our experienced advisers are able to guide you through the options and formulate an appropriate strategy.

Financial Professionals
At Fiducia we recognise that financial, legal...
At Fiducia we recognise that financial, legal and tax advice have generally been considered discreet practices in the UK. Each is conducted by professionals...
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Fiducia Wealth Management have a true gem with Susie as part of their team

My mother used Fiducia Wealth Management for her financial advice and was extremely satisfied with their service. Seeing first-hand what a sound company they were I was happy invest with them, and have to say am more than satisfied in having Susie Laws acting as my Financial Planner. She is extremely diligent in her work, incredibly efficient (I cannot stress that enough) and, well in short, an absolute delight to work with. Having someone who takes time to understand your needs, provide qualified advice which is genuinely in your best interests as well as always being on hand to answer any queries and to go the extra mile(s) to assist you is not that easy to find. Fiducia Wealth Management have a true gem with Susie as part of their team – it is a privilege to be their client.
Jo Purcell

Susie has demonstrated a firm understanding of my requirements and I am only too happy to endorse her service skills.

For the past year, Susie has been actively involved in converting my pension investments, currently held in a SSAS, into a SIPP. Throughout the whole process Susie has demonstrated a firm understanding of my requirements and I am only too happy to endorse her service skills.
John Mellanby Managing Director - Essex

My main concern was to appoint someone who places my needs at the centre of their advice rather than their own financial gain. I am very comfortable that Susie and Fiducia do this

Susie has guided me in terms of my pension and personal investments in a very professional way. My main concern was to appoint someone who places my needs at the centre of their advice rather than their own financial gain. I am very comfortable that Susie and Fiducia do this which has encouraged me to put further faith and business in her hands.
Mr Ashton

My thanks to you and the team for your help

You may recall that our affairs were so fragmented that I had to resort to A3 paper in order to be able to read the print out of my spreadsheet. I am pleased to say that I am now back to using A4 paper, so matters are becoming simpler and clearer. My thanks to you and the team for your help with this (and for saving a few more trees).
Fiducia Client

Fiducia are an unfailing helpful and knowledgeable group of people whose investment analysis and advice has helped grow my pension and savings portfolio over the many years I have been privileged to have them as my financial advisers.

Fiducia are an unfailing helpful and knowledgeable group of people whose investment analysis and advice has helped grow my pension and savings portfolio over the many years I have been privileged to have them as my financial advisers. Their careful analysis of my risk profile and their choice of funds for me have increased the value of my portfolio despite the global market upheavals of recent and less recent memory. I find their regular market surveys distributed to clients to have an impressive depth of knowledge. I have no hesitation in recommending their services to friends and family and will continue to do so.
Mr Brown Solicitor, Hadleigh in Suffolk

Fiducia have treated me so well over the years moving my money around, so that overall I have gained and recently when they knew I was considering cashing in my pension they suggested I move it to ‘safe’ investments.

I have had my pension with Fiducia for many years. I am not a big investor. Fiducia have treated me so well over the years moving my money around, so that overall I have gained and recently when they knew I was considering cashing in my pension they suggested I move it to 'safe' investments, as the referendum was about to happen and as we have seen this was excellent advice. This is why they are so good. They suggest actions to the client and are in frequent contact. Previously I was with two different companies and was basically left alone and when I was contacted, it could be from any number of people, whereas the same person has always dealt with me at Fiducia. I have watched this company grow, always putting the client needs first and not just those with large pension pots!
Mrs Clibborn Business Owner, London

Further information about Pensions & Retirement:

Estate Planning & IHT
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A sound investment strategy can bring all sorts of benefits to how you plan your finances for later life, including the eventual disbursement of your estate. As well as increasing the wealth you have to pass on to your children and grandchildren, choosing the right kinds of investment can also result in significant reductions in Inheritance Tax (IHT) liabilities.

Over the course of your lifetime, you are likely to have accumulated wealth in the form of numerous different assets, such as property, savings, shares and so on. When passed on to your loved ones as your estate, the value of these combined assets above the statutory allowance will be subject to IHT, taking a significant bite out of the wealth your beneficiaries receive.

Our qualified and experienced investment advisors can help you maximise the value of assets your family and friends receive by undertaking a complete review of your investment portfolio. Where assets are liquid, we will advise on transferring funds into investments that are either exempt from IHT or which can help you offset the predicted costs.

We are able to advise on the use of:

AIM portfolios

The Alternative Investments Market offers tax breaks in return for investments in up-and-coming companies. Individual shareholdings in AIMs deliver 100% exemption from IHT and capital gains tax, with qualification starting two years after shares are acquired.

Property, forestry and farming

Investments in commercial property, including purchases of land assets in forestry and agriculture, are subject to Business Property Relief (BRP), which includes relief from IHT. Used appropriately, you don’t have to run a business to benefit from BRP.

Income portfolios

Income investment portfolios are commonly used in retirement as a means of topping up funds available from pensions and other sources. However, another use is to generate capital to offset the expected IHT liability on your estate.

The starting point for all financial investment advice we offer is always our clients’ own priorities and objectives. As wealth management and financial planning specialists, we have the expertise to recommend the right investment options for you to reduce your IHT liabilities, without any negative impact on your present and future financial circumstances.

Our experienced advisers are able to guide you through the various options and formulate a bespoke strategy that meets your individual needs.

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