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Insurance Solutions

Home Insurance Solutions

Where wealth consists mainly of illiquid assets, such as property, an appropriate life policy in trust can provide the means to settle the Inheritance Tax to prevent the sale of this asset. Discuss our whole life insurance services and whole of life policies today.

 

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A whole of life policy written under trust can provide a number of advantages:

  • Provision of a capital sum to beneficiaries which they can use to pay IHT liability
  • You can specify who will receive the capital lump sum
  • Capital can be paid before grant of probate is obtained
  • The cost of the policy can be met from annual IHT exemptions

We can advise on the appropriate level of cover, the most cost effective arrangement, underwriting process and use of trusts.  We also regularly review the level of cover to ensure it remains appropriate.

We are what we repeatedly do. Excellence, therefore, is not an act but a habit
Aristotle

Further information about Pensions & Retirement:

IHT & Estate Planning
The wish to leave wealth to future generations...
The wish to leave wealth to future generations and to avoid unnecessary Inheritance Tax are often important factors. However, the understandable concern for...
Find Out More
IHT & Estate PlanningInvestment Solutions
A lifetime’s accumulated wealth will include...
A lifetime’s accumulated wealth will include assets such as a private property, savings and investments, perhaps also shares. Where assets are liquid a...
Find Out More
IHT & Estate PlanningTrusts Solutions
Lifetime transfers of wealth can be made in...
Lifetime transfers of wealth can be made in trust as a form of asset protection and to ensure monies reach the intended beneficiaries. Get in touch with our...
Find Out More
IHT & Estate PlanningWills & Powers of Attorney
You will be aware of the need to have a valid...
You will be aware of the need to have a valid Will, however this is often overlooked as is the need to regularly update the Will to ensure it continues to...
Find Out More
IHT & Estate PlanningProbate Services
Bereavement can be very stressful for all...
Bereavement can be very stressful for all concerned without the added burden of dealing with a loved one’s estate.  Obtaining the grant of probate, which...
Find Out More

We look forward to the future now as the past has been very stressful

We would just like to say thank you for the meeting this afternoon, we feel that we have made the right choice in putting our financial Investments with you.  It is a time of change for us and it is important that we feel someone is there to guide us as we move into a new chapter in our lives. We look forward to the future now as the past has been very stressful, and although it gave us financial security, it came at a high cost health wise.  A new less hectic life awaits us although I will have to stop spending so much on little rewards!
Fiducia Client

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

The team at Fiducia are consistently professional and successful in managing our affairs, they listen to our preferences and act in our best interest.

The team at Fiducia are consistently professional and successful in managing our affairs, they listen to our preferences and act in our best interest. The communication, commentary and advice that they regularly issue is valuable and reassuring in these volatile times.
Mr Lansdown Business Owner, Brighton, Sussex

You are always so calm, courteous and reassuring.

It is always a pleasure to speak with you on the telephone. You are always so calm, courteous and reassuring.
Mrs Scott Retired, Colchester
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Financial AdviceNews & Case Studies

Award Winners!

Fiducia Posted in Fiducia News, Financial Advice on 02.03.18 Read Fiducia Wealth Management are delighted to have been awarded Adviser of the year (East Anglia and the Midlands) at the...

Will you make provision for all those you hold dear?

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Financial Advice (+1 more), on 08.03.18 Read Getting your affairs in order and planning what you want to pass on to loved ones Writing a will may seem daunting, and with...

Savings income doesn’t need to be taxing, but it might be taxed!

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Financial Advice (+3 more), on 31.01.18 Read Prior 6 April 2016 savings from bank and building society accounts were taxed automatically at the basic rate of income tax...

NS&I Guaranteed Growth Bonds Now Available

Fiducia Wealth Management Posted in Financial Advice on 04.05.17 Read National Savings and Investments have now launched the new Investment Guaranteed Growth Bonds.  The Bonds, which are a lump...

Inheritance Tax Exemptions

Richard Heath, Senior Paraplanner Posted in Financial Advice, Inheritance Tax on 15.04.17 Read Making a gift to your family and friends while you’re alive can be a very effective way to reduce the value of your estate...

Fiducia Money Spring Edition

Fiducia Wealth Management Posted in Financial Advice, Inheritance Tax (+3 more), on 30.03.17 Read Welcome to our latest issue, featuring articles written to help you make the most of your hard-earned money and achieve your...

Spring Budget 2017 – Initital Key Points

Fiducia Wealth Management Posted in Fiducia News, Financial Advice on 08.03.17 Read In the ‘last ever Spring Budget’ Chancellor Philip Hammond emphasised the Government’s commitment to business and...

Tapered Annual Allowance

Guest Editor Posted in Tax Planning, Annual Allowance (+2 more), on 22.02.17 Read In this Guest Editor article, Helen Morrissey from Utmost Wealth Management reminds us of the current considerations around...
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Gain further insight to all things financial

Watch the Fiducia YouTube channel for our Economic and Market updates.

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Fiducia Wealth Management | 2017 December Webcast

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement,
on 16.01.17
Read
Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth...

Market matters

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News,
on 16.01.17
Read
Don’t let current global uncertainties affect your financial planning It’s important not to let current global...

Wealth preservation

Gordon Kearney, Director and Financial Adviser Posted in Inheritance Tax,
on 16.01.17
Read
Reducing Inheritance Tax means taking action now Without professional advice and careful financial planning, HM Revenue &...

ISA returns of the year

Gordon Kearney, Director and Financial Adviser Posted in Financial Advice,
on 16.01.17
Read
Taking control over where your money is invested tax-efficiently A new tax year is nearly upon us – and that means for all...

Award Winners!

Fiducia Posted in Fiducia News,
on 16.01.17
Read
Fiducia Wealth Management are delighted to have been awarded Adviser of the year (East Anglia and the Midlands) at the...

Will you make provision for all those you hold dear?

Daniel Kern, Senior Financial Adviser Posted in Fiducia News,
on 16.01.17
Read
Getting your affairs in order and planning what you want to pass on to loved ones Writing a will may seem daunting, and with...
Latest News from Fiducia



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As an Independent Financial Adviser (IFA) Fiducia Wealth Management provide first class financial and investment advice from our offices in Dedham, near Colchester on the Essex Suffolk boarder. Fiducia Wealth Management Ltd is authorised and regulated by the Financial Conduct Authority. This site is for information only, and does not constitute financial advice.

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