Investment Advice

As you approach later life, your ability to accumulate additional wealth dwindles with retirement and the end of paid employment.

A key focus of later life planning is therefore how you mitigate this loss of income and arrange your finances to ensure you can continue to live comfortably.

At Fiducia Wealth, our core area of expertise is maximising wealth through investment planning and asset management. We are therefore perfectly placed to advise on how to make sure the investments and savings you have accumulated over the course of your working life are able to support you through your later years.

Our team of investment advisers, supported by our dedicated in-house investment team, are able to provide you with professional investment advice to help you make the decisions that work best for you.

This may mean focusing on reducing risk in your investments in order to protect the wealth you have already accumulated, or it may mean restructuring your assets to suit your tax position. Alternatively, it could mean refocusing your investment portfolio away from capital growth to instead generate an income.

Whatever your circumstances, our award-winning specialist team will fully explain your options in an accessible way and offer honest, professional advice on the best options for you. We often work alongside other professional advisers, such as your accountant, to provide a truly cohesive financial plan.

Our proven process involves:

Identifying your goals

The starting point for all of our financial planning is asking our clients what they want to achieve. Having clear objectives for your future is important.

Determining an appropriate level of risk

Risk is the all-important factor in investment management. Greater rewards inevitably come with greater risks, so it is always critical to balance the expectations of gain from investments with the need to protect existing assets. Our starting point is your attitude to risk, then what you want to achieve with your money, then the level of losses you could comfortably absorb.

Deciding where to put your money

There are dozens of potential investment vehicles out there, all with their own advantages and drawbacks. Once we have assessed the right level of risk for your ultimate objectives, we can advise you on the best options for investing your wealth.

Reducing tax liabilities

When you no longer have an income from paid employment, one thing you don’t want is your wealth leaking away in unnecessary tax payments. We can advise on how to structure your finances so you pay no more tax than you need to.