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

Wills & Powers of Attorney

Home Estate Planning & IHT Wills & Powers 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.

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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.

To keep track of your estate and to make things easier for your loved ones should the inevitable occur unexpectedly, download our What I Own & Where I Keep It document. Please note, this does not replace your need for a Will.

(Click the image)

What I own and where I keep it document

What I Own & Where I Keep It Document

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...
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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...
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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 & IHTTrust Planning & 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. Contact our trust...
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

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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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Inheritance TaxNews & Case Studies

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

Fiducia Posted in Financial Planning, Financial Advice (+5 more), 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,...

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How to prepare your estate for your loved ones

Fiducia Wealth Management Posted in Fiducia News, Financial Advice (+3 more), on 27.05.21 Read Of all financial planning, getting your estate in order is perhaps the area most procrastinate on. It’s a widespread mistake...

Tax year end planning 2020/21 – our top 10 checklist

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Reconsidering Inheritance Tax

Fiducia Wealth Management Posted in Fiducia News, Financial Advice (+4 more), on 05.10.20 Read Inheritance tax (IHT) is tax due on the estate upon someone’s death and is one of the most challenging taxes for those...

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Thank you for joining our ‘Ask an Expert’ Q&A clinic: Wills, trusts, probate and inheritance tax

Fiducia Wealth Management Posted in Fiducia News, Financial Advice (+2 more), on 14.07.20 Read Earlier this month, Goody Burrett & Fiducia Wealth Management held an informal Q&A session dedicated to the legal and...
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Read more about Wills & Powers of Attorney + -

Having a valid Will is a crucial part of estate planning. And while many people do recognise the need to draw up a Will, what is often overlooked is that circumstances and wishes change over time. When that happens, Wills need to be updated.

While Fiducia Wealth does not offer a Will writing service, we offer honest, professional advice on the terms of your Will, and what to include to align it with your estate planning objectives.

We also advise on nominating a chosen party to assume power of attorney on your behalf, should you ever be in a situation where you are no longer able to manage your affairs yourself.

The importance of a Will

Without a Will, you have no control over how your estate will be dealt with following your death. Whatever plans you have put into place to take care of your children, grandchildren, spouse and other loves ones, whatever verbal agreements you have made, count for nothing if they are not written into a Will.

Without a ill, your 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.

Our financial planning experts will help ensure your will not only provides for the people you want to pass your wealth onto, they will also advise on how the terms of your Will can maximise the value of your estate. This will include writing the terms of any trusts, special investments and whole life insurance policies into your Will, with a view to reducing Inheritance Tax liabilities.

Powers of attorney

Powers of attorney set out the legal basis on which other people can be nominated to take decisions on your behalf. In relation to later life, these are typically decisions relating to your finances, your property, your health and your care arrangements.

Powers of attorney traditionally come into force when the grantor loses mental capacity, but can also be handed over when an individual no longer wishes to make decisions on their own behalf.

Our professional team will advise on the options available for granting powers of attorney to a trusted party, and how to make arrangements which best protect the interests of your loved ones.

Gain further insight to all things financial

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

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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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