Wealth Management
At Fidelius, we believe in a full approach to financial planning – it's about looking at the whole picture to really understand all aspects of your life and finances. Then once we know where you are, and where you want to go, we can give you really informed and tailored advice to help you achieve your goals and secure your future.
Tax Planning and Trusts
The greater your wealth or income, the more tax you may be expected to pay. Whatever your circumstances, we can provide you with access to tax expertise and strategies to ensure that your finances are optimised for overall tax efficiency. We can make the most of your annual allowances and exemptions, and place assets in effective wrappers to minimise the tax you have to pay. Our advice on trusts can help achieve substantial savings in inheritance tax and control what happens to your estate, both immediately after your death and for generations to come.
Investment Management
When it comes to investments there is no one size fits all - everyone has a different approach. That's why we start by assessing your requirements and attitude to risk, so you can be comfortable and confident with the investment options we recommend. To maximise returns we typically use a wide range of assets in a proven strategy to help safeguard your money in volatile markets, while allowing good growth when calmer times return. Over your lifetime, it's likely that your objectives will shift from seeking capital growth to securing extra income. We'll help you manage this transition, as well as identifying any surplus income and assets that can be used to help future generations.
Our advice process selects from a wide range of different investment offerings with discretionary investment management our preferred solution. Financial markets today are both fast-moving and complex, so we have chosen providers who have a pro-active, hands-on approach.
Estate Planning
You've worked hard for what you have, so you'll want to pass on as much of your wealth as you can to your loved ones. There are several planning methods that can legally reduce or entirely mitigate Inheritance Tax liability, or provide for the liability cost effectively should it not be possible to avoid. These include spousal and gift exemptions, charitable donations, and various forms of business relief. We'll help you build a realistic picture of your future financial commitments, so you can be confident that you can plan to mitigate inheritance tax without prejudicing your future financial security.
Protection and Assurance
We all want to feel secure, so ensuring you have financial protection against the impact of an accident, illness or an untimely death is of paramount importance. We can help you identify and prioritise the key risks you should insure against and find the most suitable products from reputable providers. This will ensure you achieve the best value for money, structured to ensure maximum benefit for every pound spent, so that your family’s independence is protected and your business is securely underpinned.
Retirement Planning
Most of us recognise the importance of setting aside funds to secure the best possible future. Initially, we can assist you in building up a fund and balance the considerable tax advantages of saving through pensions, against the flexibility of other options. We'll view the whole picture and can suggest strategies to access your wealth in stages, supporting those who prefer a gradual transition between full time work and full time retirement. When you do retire, we can help arrange a guaranteed income for life, or invest funds to provide a flexible and potentially growing income over the years.
Funding Care
None of us know what the future holds. This is especially true when it comes to later life care – and in England, the cost of this is not covered in the same way that health costs are. We have specialist advisers who understand the specific needs unique to older people who are, or may one day be, receiving care. Whether you wish to stay in your own home, or need to be looked after elsewhere, we can show you all the options, so you're free to make choices that have the most positive outcome for you and your family.
Separation and Divorce
Divorce is one of the biggest financial and emotional upheavals. Often, both parties will need guidance on what to do with their share of the divided assets – and this is where the knowledge of a financial planner can be invaluable. We can provide projections based on the proposed financial settlement and the likely costs that may be incurred, as well as assisting with Form E and pension actuarial matters. We look to speed up the process to help rebuild and secure your financial future.
Court of Protection
We understand the huge responsibility that falls on Deputies, Attorneys, and Trustees. Our Financial Planners are experienced in advising charities, family trusts and assisting in Court of Protection cases to ensure that trustees receive the maximum possible support. We can also advise trustees on selecting the optimum investments, that satisfy trust objectives, while keeping within an agreed risk profile and achieving maximum tax efficiency for the beneficiaries.
None of us know what the future holds. This is especially true when it comes to later life care – and in England, the cost of this is not covered in the same way that health costs are. We have specialist advisers who understand the specific needs unique to older people who are, or may one day be, receiving care. Whether you wish to stay in your own home, or need to be looked after elsewhere, we can show you all the options, so you're free to make choices that have the most positive outcome for you and your family.
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