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Following the recent invasion of Ukraine by Russia, we have written a portfolio update and market outlook. You can view it here

Preparing for Retirement

Home Retirement Planning & Investment Preparing for Retirement

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 need is often not considered a priority until later in life, at which time it can be too late to accumulate the size of fund needed to provide a comfortable retirement. It is therefore very important that financial planning for retirement is started sooner rather than later.

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Pensions rules and regulation remain complex and difficult to understand, despite various attempts at simplification. Many clients have accumulated a number of individual pension plans, both personal and occupational, and as a result there is little or no cohesion of planning or investment strategy.

With our specialist knowledge and qualifications we can help you through this apparent maze, by undertaking:

  • A review of all your existing pension arrangements
  • Forecasting your projected benefits in real terms
  • Identifying the cost of your retirement lifestyle and planning towards that target
  • Pension transfer advice
  • Pension and divorce advice
  • The use of more sophisticated pension plans such as those able to hold commercial property and make loans to a Directors trading company

To understand more about planning for retirement and the different types of pensions available in the marketplace, download our free guides below

(Click the images)

Guide to Planning for Retirement

Guide to Planning for Retirement

Guide to Pensions

Guide to Pensions

We make a living by what we get, but we make a life by what we give.
Winston Churchill

Further information about Pensions & Retirement:

Retirement Planning & Investment
Retirement is a major life event that should...
Retirement is a major life event that should the inevitable not occur early, everybody experiences. It looks and means different things from person to...
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Retirement Planning & InvestmentPreparing for 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

My main concern was to appoint someone who places my needs at the centre of their advice rather than their own financial gain. I am very comfortable that Susie and Fiducia do this

Susie has guided me in terms of my pension and personal investments in a very professional way. My main concern was to appoint someone who places my needs at the centre of their advice rather than their own financial gain. I am very comfortable that Susie and Fiducia do this which has encouraged me to put further faith and business in her hands.
Mr Ashton

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 was never going to work.

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
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Pensions & RetirementNews & Case Studies

Pension consolidation, why, how and when not to

Fiducia Wealth Management Posted in Financial Planning, Final Salary Pensions (+5 more), on 29.06.22 Read As the workforce transitions between generations, the number of jobs people have across their lifetime changes.  A single...

How to Save & Invest for Children

Fiducia Wealth Management Posted in Financial Planning, JISA (+6 more), on 20.06.22 Read Saving and investing for children, can be an important part of a well-rounded financial plan. It is possible to improve your...

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

Fiducia Posted in Financial Planning, Financial Advice (+5 more), on 27.05.22 Read Whilst we all go about our day-to-day business, there is an elephant in every single room we enter. We cannot always see it,...

Control your spending habits and budget

Jack Walmsley, Chartered Financial Planner Posted in Financial Planning, Financial Advice (+4 more), on 30.03.22 Read One of the first questions a financial adviser asks a potential new client is ‘What are your financial goals?’. Whilst...
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Read more about preparing for retirement + -

It is never too soon to think about retirement. Even if you have only just started your first full-time job, the longer you give yourself to plan and invest for retirement, the more likely it is you will accumulate the funds you need to give you the retirement lifestyle you desire.

There are, of course, plenty of other demands made on your finances throughout your working life, and it is easy for the dim and distant future to fall down your list of priorities. Whatever your age, and however long you plan to continue working, we can help you make an investment plan that fits within your present budget and steers you towards financial security in later life.

Investment is the key word. With the old certainties surrounding pensions long gone, and what remains of pensions infrastructure inextricably complex, it makes sense to take a wider view of investment, asset management and wealth accumulation as you plan for retirement.

That is where Fiducia Wealth comes into its own. As well as helping you navigate the choppy seas of workplace and private pensions, our award-winning expertise in financial planning, investment management and growth strategies will help you put your money where it will give you the best possible returns.

We also understand that as careers progress and people move from job to job, it has become very easy to accumulate multiple pension plans over time. These can be both personal and occupational, but what we tend to find is that they have been acquired almost by accident, with little or no strategic thought about getting the most out of them as an investment portfolio.

Again, this is something our qualified specialists are perfectly placed to resolve.

Amongst the services we offer, we will:

  • Review any and all existing pensions arrangements, with a view to consolidating them with a cohesive strategy;
  • Calculate a forecast of expected returns on current pensions and investments, so you get a clear picture of any discrepancy between this and your financial objectives;
  • Put figures on the cost of your proposed retirement lifestyle and use that as a target in all planning;
  • Offer matter-of-fact advice on pension transfers and pensions and divorce;
  • If you run a business or are on the board of a company, discuss more sophisticated pension plans such as those able to hold commercial property and make loans to a director’s trading company.
Gain further insight to all things financial

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ECONOMIC UPDATE Q&A WITH MICHAEL HUGHES | Fiducia Wealth Management | May 2021

Pension consolidation, why, how and when not to

Fiducia Wealth Management Posted in Financial Planning,
on 29.06.22
Read
As the workforce transitions between generations, the number of jobs people have across their lifetime changes.  A single...

How to Save & Invest for Children

Fiducia Wealth Management Posted in Financial Planning,
on 20.06.22
Read
Saving and investing for children, can be an important part of a well-rounded financial plan. It is possible to improve your...

Developments in Dedham - May 2022

Fiducia Posted in Fiducia News,
on 30.05.22
Read
With Spring shortly coming to an end and summer readying itself to commence in June, we thought it best to provide an update...

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

Fiducia Posted in Financial Planning,
on 27.05.22
Read
Whilst we all go about our day-to-day business, there is an elephant in every single room we enter. We cannot always see it,...

Under the Spotlight - Fund Manager Q&A

Fiducia Wealth Management Posted in Financial Planning,
on 26.05.22
Read
The financial marketplace continues to experience such unprecedented upheaval. Eye’s have moved from the impact of the...

Control your spending habits and budget

Jack Walmsley, Chartered Financial Planner Posted in Financial Planning,
on 30.03.22
Read
One of the first questions a financial adviser asks a potential new client is ‘What are your financial goals?’. Whilst...
Latest News from Fiducia
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As an Independent Financial Adviser (IFA) Fiducia Wealth Management provides first class financial and investment advice from our offices in Dedham, near Colchester on the Essex Suffolk border and in Chelmsford, Essex. Fiducia Wealth Management Ltd is authorised and regulated by the Financial Conduct Authority. This site is for information only, and does not constitute financial advice.

© Fiducia Wealth Management, Dedham Hall Business Centre, Brook Street, Dedham, Colchester, Essex CO7 6AD. Also find us at Saxon House, 27 Duke Street, Chelmsford CM1 1HT. No unauthorised reproduction is permitted without prior consent.

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