Last Will & Testament, Getting Power of Attorney

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 reflect your circumstances and wishes.

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

Aristotle

On death without a valid Will assets will be distributed in accordance with the laws of intestacy; contrary to popular belief this does not mean that all assets will pass to your spouse or partner if you are married or in a civil partnership. Holding a valid Will is the only way to ensure your assets are passed on as you would wish.

A Power of Attorney should also be considered to enable your affairs to be managed if in time you lack the capacity to do so yourself.

Further information about IHT & Estate Planning:

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. 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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Inheritance TaxNews & Case Studies

Gordon Kearney, Director and Financial Adviser Posted in Inheritance Tax on 04.04.18 Read Reducing Inheritance Tax means taking action now Without professional advice and careful financial planning, HM Revenue & Customs (HMRC) can become the single largest beneficiary of your estate following your death.

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 everything else we should be thinking about it becomes just another chore on the to-do list. It’s especially important for cohabitating couples to have a will, as the surviving partner does not automatically inherit any estate or possessions left behind.

Susie Laws, Senior Financial Adviser Posted in Inheritance Tax, Discounted Gifts (+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 introduces an additional nil-rate band when a residence is passed on death to a direct descendant. This is in addition to the standard Inheritance Tax Nil Rate Band (NRB) of £325,000 per person and is designed to give a married couple a combined IHT free amount of £1m on death from 6th April 2020.

This will be:

£100,000 in 2017 to 2018 £125,000 in 2018 to 2019 £150,000...