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At Retirement

Home At Retirement

Having worked hard to accumulate wealth during your working life, you will want to make sure those funds support you and your family through analysing your finances with help from retirement financial planners who can offer you thorough ‘at retirement’ advice. A financially robust investment strategy is fundamental. It has to be tested to meet the cost of your retirement lifestyle, to ensure it is sustainable.

divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
divider
Interested in working with Fiducia?
Email Fiducia
+44 (0)1206 321045 Office hours: 9am - 5pm
Become a client

Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
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The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a  low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes.  As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.
Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.
Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.
Adrian Accountant, Colchester, Essex

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.
Richard Farm Owner, Oxfordshire
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Pensions & RetirementNews & Case Studies

New lease of life

Susie Laws, Senior Financial Adviser Posted in Pensions & Retirement on 13.04.18 Read Pensioners embracing the benefits of retirement and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve.

Don’t worry, be happy

John Millican, Managing Director and Financial Adviser Posted in Pensions & Retirement, Pension Contributions on 04.02.17 Read It is impossible to consider retirement, and our experience of it, without also considering how we’ll pay for it. But almost 30% of people over the age of 55 are unsure if they will be able to retire on their current savings, according to new research[1].

Defined Benefit Pension Schemes

Susie Laws, Senior Financial Adviser Posted in Final Salary Pensions, Pensions & Retirement on 20.10.17 Read For those individuals who have been lucky enough to benefit from the Final Salary (Defined Benefits) pensions framework during their careers (known as “members” from here on in), there are some potentially difficult decisions to make regarding how and when they choose to access their benefits.

Deferring State Pension

Daniel Kern, Senior Financial Adviser Posted in Fiducia News, Pensions & Retirement (+1 more), on 11.10.17 Read

The new rules of deferring your pension

If you are retiring after April 6, 2016 and decide not to claim your state pension immediately, when you finally do the amount you receive will be increased.

The amount of the increase is 1% for each nine weeks you defer, therefore, a deferral for one year would enhance a pension by just under 5.8%. A full state pension of £159.55 would increase over the year by £9.22 a week to £168.77. The starting amount would be in excess of this amount due to...

Planning for your retirement

Daniel Kern, Senior Financial Adviser Posted in Investing, Pension Contributions (+1 more), on 19.09.17 Read Getting ready to slow things down. One of the critical aspects of retirement planning is how you structure your financial affairs to make sure you have sufficient money if and when you stop working.

New State Pension Age

Richard Heath, Senior Paraplanner Posted in Pensions & Retirement, State Pension on 14.09.17 Read

Will you be one of the millions of workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68? New plans announced in July this year mean that the rise in the State Pension age to 68 will now happen in 2039, affecting people born between 6 April 1970 and 5 April 1978.

The rise in the pension age will be phased in between 2037 and 2039, rather than from 2044 as was originally proposed. Those affected are...

Aged 18-40? Save with LISA

Gordon Kearney, Director and Financial Adviser Posted in Fiducia News, ISA's (+1 more), on 17.02.17 Read If you are between the ages of 18 and 40 years old, the latest savings advice is to make a move to flexible savings for a...

Money Purchase Annual Allowance

Daniel Kern, Senior Financial Adviser Posted in Pensions & Retirement, Tax Relief on 01.02.17 Read Reduction to prevent inappropriate double tax relief was announced by Chancellor of the Exchequer Philip Hammond in the...
View More
divider

The key elements and options to be considered are

Cash flow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

We have the personal experience  of assisting many clients with these challenging issues and we will guide you through all the options and complexities to support you throughout your retirement.

Things do not happen. Things are made to happen.
John F. Kennedy

Further information about Pensions & Retirement:

Pensions & Retirement
Whether you are just starting your working...
Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial...
Find Out More
Pensions & RetirementPre-retirement
We are all aware of the need to invest and...
We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this...
Find Out More

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

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.
Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and,