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Investment Advice

Home Investment Advice

As you approach later years your ability to accumulate additional wealth usually ceases with retirement from paid employment.

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At that time you will want to ensure that your savings and investments are able to support you throughout your later years. This may mean a reduction in risk, a restructure to suit your tax position or a refocus, for example, from capital growth to income.

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 right investment decisions:

Identifying your goals

what do you want to achieve? Having clear objectives for your future is important.

How much risk is appropriate?

Measure 107 via FinaMetrica your attitude to risk.

Where should you put your money?

We can advise on the options available to you.

How can you make sure you pay the least amount of tax?

Our expert advisers know the tax implications and can advise appropriately.

We often work alongside other professional advisers, such as your accountant, to provide a truly cohesive financial plan.

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

Further information about Later Life Planning:

Later Life Planning
Later Life Planning often involves a number of...
Later Life Planning often involves a number of complex decisions and it is important to find an adviser who is not only highly qualified but also that you...
Find Out More
Later Life PlanningLong Term Care
With life expectancy increasing the likelihood...
With life expectancy increasing the likelihood of needing some form of care in later life is ever more probable.
Find Out More
Later Life PlanningHome Equity Release
For many our home is our most valuable and...
For many our home is our most valuable and most valued asset, however, in later life it may be desirable to access some of the capital value held in the...
Find Out More
Later Life PlanningCare Fees Planning Guide
Understanding the myriad of options when...
Understanding the myriad of options when looking at long term care for yourself or a loved one can be difficult.  At what is often an emotional and...
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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Long Term CareNews & Case Studies

Funding future care costs

Daniel Kern, Senior Financial Adviser Posted in Long Term Care, Equity Release on 09.08.17 Read  ‘The tragedy of old age is not that one is old, but that one is young’

So what now for Social Care?

Fiducia Wealth Management Posted in Long Term Care on 22.06.17 Read The Queen’s speech on 21st June remained silent on the issue of Social Care and the reforms proposed in the Conservative...

Who will care for you in old age?

Fiducia Wealth Management Posted in Long Term Care, Pensions & Retirement on 05.12.16 Read As a population we are living longer, and with an ageing population the need for care is growing, with the time spent in care...

Cap on Care Costs Delayed

Fiducia Wealth Management Posted in Long Term Care on 22.07.15 Read After much speculation the Government have confirmed that the second phase of the Care Act 2014, planned to come into force in...

Sarah Travers becomes an Accredited Later Life Adviser

Fiducia Wealth Management Posted in Long Term Care on 12.05.15 Read We are delighted to announce that Sarah Travers has achieved accreditation with the Society of Later Life Advisers (SOLLA)...

NHS Funded Care – What You Should Know

Fiducia Wealth Management Posted in Financial Advice, Long Term Care (+1 more), on 19.02.15 Read Fiducia adviser Sarah Travers explains NHS funded care and what you could be entitled to in the future.

A Guide to Long Term Care Planning

Fiducia Wealth Management Posted in Long Term Care, Equity Release on 18.07.14 Read Sarah Travers, Financial Planner at Fiducia Wealth specialising in advice for the elderly, explores Long Term Care Planning in...

Lasting Powers of Attorney

Fiducia Wealth Management Posted in Guest Editor, Inheritance Tax (+1 more), on 05.06.13 Read Aileen Hirst of GoodyBurrett LLP For most people today, life is busy and often complex.  Apart from our working lives, our...
View More
Read more about 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.

Gain further insight to all things financial

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

View Channel
Fiducia Wealth Management | 2019 February Webcast

Investment and economic webcast with Michael Hughes

Fiducia Wealth Management Posted in Fiducia News,
on 17.01.17
Read
Fiducia are delighted to welcome back our investment and economic consultant, Michael Hughes, for his latest webcast.

Josh becomes latest Fiducia adviser to celebrate chartered status

Fiducia Wealth Management Posted in Fiducia News,
on 17.01.17
Read
A financial adviser with over ten years’ experience in both the UK and Australia is celebrating achieving chartered status.

Advisers speak to young adults about importance of personal finance

Fiducia Wealth Management Posted in Fiducia News,
on 17.01.17
Read
Financial advisers from a leading East Anglian firm have spoken to students about the importance of personal finance and...

Exploring your ISA options

Michael MacLeod, Trainee Financial Adviser Posted in Fiducia News,
on 17.01.17
Read
Time to give your financial future a boost?

State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News,
on 17.01.17
Read
Women will now start to qualify for the State Pension at the same age as men.

'We are delighted to be part of such an elite band of companies'

Fiducia Wealth Management Posted in Fiducia News,
on 17.01.17
Read
If I had to say what makes Fiducia great, I would immediately think of our knowledgeable and professional team who are always...
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 boarder 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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