Notice: PORTFOLIO UPDATE AND MARKET OUTLOOK FOLLOWING RUSSIA INVASION OF UKRAINE arrow-right

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Following the recent invasion of Ukraine by Russia, we have written a portfolio update and market outlook. You can view it here

Trust Planning & Solutions

Home Estate Planning & IHT Trust Planning & Solutions

Lifetime transfers of wealth can be made in trust as a form of asset protection and to ensure monies reach the intended beneficiaries. Contact our trust financial advisers for professional trust planning advice.

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

Depending on the type of trust used, assets gifted during your lifetime will usually fall outside of your estate for Inheritance Tax purposes 7 years after transfer to the trust.

Trusts are also necessary where assets are left to children, whether gifted during your lifetime or on death through your Will.

The Trustee Act 2000 places a number of obligations on trustees, including the need to obtain investment advice where appropriate and to regularly review investments. We are experienced in advising on the most appropriate form of trust to use, often working in conjunction with solicitors, the role of trustees and in devising, implementing and reviewing a suitable investment strategy.

Further information about IHT & Estate Planning:

Estate Planning & IHT
With over £5 billion being paid to HMRC...
With over £5 billion being paid to HMRC annually in Inheritance Tax (IHT), it is clear, individuals can improve their tax efficiency in later life through...
Find Out More
Estate Planning & IHTInvestment Solutions
A lifetime’s accumulated wealth will include...
A lifetime’s accumulated wealth will include assets such as a private property, savings, investments and perhaps also shares. Where assets are liquid, a...
Find Out More
Estate Planning & IHTWhole Life Insurance
Where wealth consists mainly of illiquid...
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...
Find Out More
Estate Planning & IHTWills & 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
Estate Planning & IHTProbate 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

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
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TrustsNews & Case Studies

Personal Protection – what is it and is it worth it?

Fiducia Wealth Management Posted in Financial Planning, Inheritance Tax (+2 more), on 18.11.21 Read Personal protections or life insurance policies are something most will put off until they really feel they should take it...

Banks or Piggy banks? How to save for children.

Fiducia Wealth Management Posted in Financial Planning, Financial Advice (+6 more), on 16.03.20 Read During volatile financial times, future proofing against economic turmoil by investing for our loved ones can seem more...

Wealth Navigator

Fiducia Wealth Management Posted in Inheritance Tax, Discounted Gifts (+3 more), on 19.12.18 Read Planning the BEST route for the next generation

Inheritance Tax- The Residence Nil Rate Band (RNRB)

Susie Laws, Director & Chartered Financial Planner Posted in Inheritance Tax, Residential Nil Rate Band (+2 more), on 26.10.17 Read The 2015 Summer budget announced the introduction of the residence nil rate band for inheritance tax.  This measure...

Trust Planning

John Millican, Chairman Posted in Financial Advice, Trusts on 20.07.10 Read Some good news for trust planning The Perpetuities and Accumulation Act came into effect on 6 April and introduced two...

Inheritance Tax Assessment Service

Fiducia Wealth Management Posted in Financial Advice, Trusts on 28.11.09 Read The vast majority of us have little option over the amount of tax we have to render unto Caesar (aka Mr Darling). While...

Fiducia News

Fiducia Wealth Management Posted in Financial Advice, Trusts on 02.02.09 Read Our Practice Manager, Sarah Travers is due to begin six months maternity leave from the end of June and as a result we have...
View More
Read more about Trust Planning + -

Trusts protect assets from Inheritance Tax (IHT) liabilities by allowing you to transfer wealth to loved ones during your lifetime.

Depending on the type used, assets gifted during your lifetime will usually fall outside of your estate for IHT purposes seven years after transfer to the trust.

Our specialist team of financial advisors are here to help you understand the different trusts available, the benefits they offer to your estate and the legal process involved in drawing up the required documentation. We regularly work in conjunction with solicitors to provide clients with a comprehensive trust management service.

We are experienced in advising on the most appropriate form of trust to use, the role of trustees and in devising, implementing and reviewing a suitable investment strategy.

Avoiding probate

As well as helping to reduce IHT liabilities on your estate, setting up trusts is also recommended for avoiding probate in the event of your death.

Even if you have a will setting out how you wish your estate to be disposed of, certain assets, such as property, must be handled by a probate court. The principle behind probate is to ensure that the deceased’s wishes are adhered to, and to resolve any potential conflicts between claimants to the estate.

The probate process carries costs with it. Just as they can be used to avoid unnecessary IHT payments, trusts provide a means to dispose of assets outside the remit of the probate court, saving your beneficiaries the associated time and costs.

The role of trustees

When setting up a trust, you must appoint one or more trustees who will be responsible for ensuring that your wishes are followed upon your death.

The Trustee Act 2000 places a number of obligations on trustees, including the need to obtain investment advice where appropriate and to regularly review investments. As an award-winning team of investment specialists, Fiducia Wealth is ideally placed to help trustees fulfil this criteria and make decisions which best reflect the wishes of the grantor (the person setting up the trust).

Gain further insight to all things financial

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ECONOMIC UPDATE Q&A WITH MICHAEL HUGHES | Fiducia Wealth Management | May 2021

Pension consolidation, why, how and when not to

Fiducia Wealth Management Posted in Financial Planning,
on 29.06.22
Read
As the workforce transitions between generations, the number of jobs people have across their lifetime changes.  A single...

How to Save & Invest for Children

Fiducia Wealth Management Posted in Financial Planning,
on 20.06.22
Read
Saving and investing for children, can be an important part of a well-rounded financial plan. It is possible to improve your...

Developments in Dedham - May 2022

Fiducia Posted in Fiducia News,
on 30.05.22
Read
With Spring shortly coming to an end and summer readying itself to commence in June, we thought it best to provide an update...

How to make things easier for your loved ones in the future

Fiducia Posted in Financial Planning,
on 27.05.22
Read
Whilst we all go about our day-to-day business, there is an elephant in every single room we enter. We cannot always see it,...

Under the Spotlight - Fund Manager Q&A

Fiducia Wealth Management Posted in Financial Planning,
on 26.05.22
Read
The financial marketplace continues to experience such unprecedented upheaval. Eye’s have moved from the impact of the...

Control your spending habits and budget

Jack Walmsley, Chartered Financial Planner Posted in Financial Planning,
on 30.03.22
Read
One of the first questions a financial adviser asks a potential new client is ‘What are your financial goals?’. Whilst...
Latest News from Fiducia
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As an Independent Financial Adviser (IFA) Fiducia Wealth Management provides first class financial and investment advice from our offices in Dedham, near Colchester on the Essex Suffolk border and in Chelmsford, Essex. 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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