Fiducia Wealth Management & HD Consultants invite you to an informal Q&A session dedicated to Financial Protection. 
About this Event 
HD Consultants & Fiducia Wealth Management invite you to an informal Q&A session dedicated to Financial Protection. Bringing together the expertise of two highly respected and independent advice firms, this informal Q&A clinic will be an opportunity to receive expert and direct answers to your questions relating to complex issues of financial protection in all areas of your, and your family’s, life. 
Where: Online 
When: Tuesday 15th September @ 10.30 – 12 noon 
Fiducia Wealth Management is a multi-award-winning Chartered firm based in Dedham that specialises in delivering tailored and bespoke financial advice and wealth management guidance to individuals, trustees and businesses. 
HD Consultants is a multi-disciplined FCA authorised team of qualified, experienced and professional Advisers operating across several markets including residential mortgage brokers, BTL specialists, equity release, life insurance advisers and will writing & estate planners. 
Questions you can expect to be answered: 
1. As a company director, I wondered if there is a better way to pay for my life assurance? 
2. Covid19 has made me think more about financial protection for my family. What are the options? 
3. Is financial protection expensive and will it pay out? 
4. What’s in it for me? 
5. Couldn't my family just take over the mortgage? 
6. Should I put my life insurance policy in trust? 
Representing Fiducia Wealth Management – Michael MacLeod, Financial Adviser, DipPFS, Cert CII (MP & ER) 
Michael is a financial adviser and a specialist in protection. He has amassed 13 years of experience in financial services ranging from retail banking to mortgages and, more recently, obtaining the diploma in regulated financial planning.  
His belief is that small changes can make a big difference. To this end, his community outreach involves delivering presentations to schools and seminars to firms and small businesses, with the wider mission to make financial planning and financial advice more accessible to all. 
Representing HD Consultants – Austyn Johnson, Financial Consultant CeMap 
Austyn came on board with H D Consultants in late 2018 and has since gone from strength to strength. His background is as an Aerospace Engineer, but in 2017, retrained as a Financial Adviser and now loves his work.  
Co-Founder of, Austyn is always looking to help people who struggle on the path to property and protection. His clients range from the elderly lady across the road, full time landlords with scores of houses to musicians and film actors. 
We hope you will join us. 
If you have any specific questions that you would like answered at the session, then please send an email to and we will ensure that the most suitable adviser addresses them. 
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H D Consultants. Contact details here Live Chat webpage here Broker Log In / BrokerCentre here 
Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is a trading name of Howard Reuben who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
FP Ref: 1436009 / exp 25.08.2025 
Long established, recognised and national nominees and award winners for our professional mortgage services; 
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