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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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

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...

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...
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
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Pensions & RetirementNews & Case Studies

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...

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...
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,