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We designed and developed our Fiducia Service with one goal in mind, we wanted something that would become recognised as a leading symbol of trust and of professional standing.

You can be confident that you are dealing with people who are wholly committed to providing you with the very best and most appropriate advice, service and support.

Fiducia’s innovative and competitive investment fee structure has been designed to be open, clear, and fair. Any investment programme that is agreed with you will be designed to deliver the best possible returns against an agreed set of benchmarks.

We will never suggest that you invest in something that sounds too good to be true, and we will help you to utilise HMRC allowances in ways that will allow you, as well as us, to sleep peacefully at night.

The Proposition

Fiducia – from fïdõ (‘to trust; to rely upon’)

Our Fiducia Service offers a holistic approach, one that is designed to create a protection and wealth accumulation plan, tailored for you.

A unique element of the Fiducia service is to be found in its core investment charging structure, which utilises variable fees that are relative to actual performance.

U  A minimum of two structured business meetings per annum
U  Quarterly portfolio valuations
U  Tax and estate planning
U  Cash flow modelling
U  Access to other professionals and services
U  Multi adviser meetings (two heads better than one)
U  Performance fees that can go down
U  Unlimited access to advisors via phone or email

The Fiducia Service operates on a pooled resource basis. Your situation is unique, so it is assessed and managed by a team of advisers. The best ideas are formulated, tested and reviewed. Only when we are happy that an outcome is suitable, is it presented to you, and continuity of service is assured.

To view the Fiducia Brochure Click Here

The Fiducia Service is subject to a minimum initial investment of £750,000.

Charging Structure

Initial Consultation (1st meeting) – Free of charge

Our fee for research, analysis and implementing advice is £5,000 for initial investments up to £2m.

Over £2m there is no initial charge subject to you taking out our Ongoing Adviser Service.

Standard fees for on-going management services is 0.50% of portfolio value, payable quarterly.

Our fees are unique in the market place, we charge what we consider a very competitive standard rate of 0.50%, then we have a scale of fees that link to risk levels and our RPI (Retail Price Index) benchmark, this is where we are different.

We use Distribution Technology’s market leading risk rating software to determine your attitude to investment risk. Once this is agreed we also discuss your capacity for loss. Once determined this decides the benchmark we will apply to your investment return, as shown in the table below.

DT Risk Rating DT3 DT4 DT5 DT6 DT7
RPI + RPI +1% RPI +1.5% RPI +2% RPI +2.5% RPI +3%
e.g. Jan 2018
RPI = 4.1%
5.10%
Benchmark
5.60%
Benchmark
6.10%
Benchmark
6.60%
Benchmark
7.10%
Benchmark

We then apply our scale of fees linked to the benchmark as measured over a 1 year period as published by the Office for National Statistics.

If we get a return above the benchmark but below the benchmark plus 50%, then the standard 0.50% fee applies.

If we get a return over benchmark plus 50% but below benchmark plus 100%, then a fee of 0.60% applies to the portfolio.

If we get a return more than 100% of the benchmark, then a fee of 0.75% will be applied.

But here is where we are different, should we not reach the benchmark then we will reduce our fees.

The reduction is linked to the size of the portfolio value at the annual review date, and is reduced as per the table below.

Valuation £750,000 + £1,000,000 + £2,000,000 + £3,000,000 + £4,000,000 + £5,000,000 +
Reduction -0.05% (10%) -0.10% (20%) -0.15% (30%) -0.18% (36%) -0.20% (40%) -0.25% (50%)
New Fee 0.45% 0.40% 0.35% 0.32% 0.30% 0.25%

*Fees are subject to our maximum fee of £25,000pa

As you can see our fees can drop to as low as 0.25% for valuations above £5m.

The Dedicated Fiducia Client Team

Each member of the ‘core’ Fiducia Client Team is there to help, support and liaise with each client on an individual basis.

Kevin Bissell

Dave Jones

Richard Edge

simon-shaw

Simon Shaw

becky-simmonds

Becky Simonds

colin-white

Colin White

matthew-hackett

Matthew Hackett

In addition, the Fiducia Client Team is backed and supported by our Investment Committee. This committee, which meets quarterly (and at other times), comprises 8 Independent Financial Advisers, together with a number of third-party investment specialists, and lay persons.

Contact Us

All enquiries are dealt with the strictest confidence and no financial information will be used until formal agreements are in place.

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Find out how we can help to protect, maintain, and improve your lifestyle – 01562 888440