Navigating Pension Withdrawals, ISAs, and Divorce with Financial Clarity - Ep. 144.

Get straightforward answers to your financial questions in this episode of Ask Becky Anything. Rebecca Robertson, independent financial advisor, tackles common money dilemmas with clear, practical answers.

• When it makes sense (and when it doesn't) to draw down your pension into an ISA before retirement

• The tax implications of taking your 25% pension lump sum and moving it into different investment wrappers

• Key changes to pension inheritance tax rules coming in April 2027

• When to involve a financial advisor during the divorce process for optimal financial planning

• How financial disclosure and scenario planning can improve your outcome during major life transitions

Chapters

00:00 Considering retirement drawdown options

03:53 Investment pots and tax implications

06:12 Discussing cash ISA and pension options

09:28 Planning financial scenarios for clients

12:43 Financial challenges of relocating

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Connect with Rebecca Robertson and the Podcast: Subscribe for weekly wealth-building strategies: https://www.youtube.com/@rebeccarobertsonifa Instagram: https://www.instagram.com/rebecca_robertsonifa & https://www.instagram.com/acceleratingyourwealth LinkedIn: https://www.linkedin.com/in/rebecca-financial-advisor Facebook :https://www.facebook.com/RebeccaRobertsonwealth www.evolutionfinancialplanning.co.uk Disclaimer: This content is for educational and informational purposes only and should not be construed as financial advice.

Why Menopause Impacts Your Finances and Steps to Take Control - Ep. 143.

Money and menopause are more connected than many realise. In this episode, we uncover the hidden financial impacts menopause has on women's lives and careers.

• The real statistics behind job loss and missed promotions due to menopause symptoms

• Emotional spending and financial gaps women face during transition

• How to reevaluate your budget and joint finances for greater security

• Practical pension and investment tips to protect your future

• Strategies for managing work, health, and money through menopause and beyond

Chapters

00:00 How menopause impacts women financially

03:24 Impact of menopause on women

09:08 Navigating menopause and life priorities

11:54 Planning finances during transitions

15:57 Daily prioritising and staying realistic

18:41 Wealth planner and journaling tips

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Connect with Rebecca Robertson and the Podcast: Subscribe for weekly wealth-building strategies: https://www.youtube.com/@rebeccarobertsonifa Instagram: https://www.instagram.com/rebecca_robertsonifa & https://www.instagram.com/acceleratingyourwealth LinkedIn: https://www.linkedin.com/in/rebecca-financial-advisor Facebook :https://www.facebook.com/RebeccaRobertsonwealth www.evolutionfinancialplanning.co.uk Disclaimer: This content is for educational and informational purposes only and should not be construed as financial advice.

Pension Dilemmas After Divorce and Tips for Business Owners With Limited Contributions - Ep. 142.

Welcome to this Ask Becky Anything episode of Accelerating Your Wealth, where your pressing pension and retirement questions get answered. This episode tackles real concerns about divorce, cash flow, and making your pension last.

• Pros and cons of drawing down pensions before 60

• How lifestyle and pension pot size affect your financial security

• Strategies for business owners with limited cash flow to grow their pension

• The importance of regular, consistent investing for your future

• Building your business as an asset to supplement retirement income

Chapter

00:00 Managing retirement income and expenses

05:34 Managing pensions and contributions

06:51 Building a sellable business model

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Connect with Rebecca Robertson and the Podcast: Subscribe for weekly wealth-building strategies: https://www.youtube.com/@rebeccarobertsonifa Instagram: https://www.instagram.com/rebecca_robertsonifa & https://www.instagram.com/acceleratingyourwealth LinkedIn: https://www.linkedin.com/in/rebecca-financial-advisor Facebook :https://www.facebook.com/RebeccaRobertsonwealth www.evolutionfinancialplanning.co.uk Disclaimer: This content is for educational and informational purposes only and should not be construed as financial advice.

Essential Rules for Money, Life and Wealth Management for Women with Kara Gammell - Ep. 141 Part 2.

In this two part episode of the Accelerating Your Wealth Podcast, personal finance expert Kara Gammell joins Rebecca Robertson to give practical, no-nonsense guidance on personal finance, insurance, and managing money with ADHD from this direct and insightful conversation. This episode breaks down real-life strategies, financial pitfalls, and proactive planning for women and families.

• The real impact of income protection, insurance, and emergency planning

• ADHD, executive function struggles, and practical hacks for better money management

• Teaching kids about money, opening junior ISAs and pensions, and financial education at home

• The unique financial challenges women face with divorce, menopause, and the gender pension gap

• Automating savings, fighting procrastination, and breaking the cycle of financial stress through simple, repeatable systems

Connect with Kara Instagram: https://www.instagram.com/kara.gammell/?hl=en

LinkedIn: https://www.linkedin.com/in/karagammell/

Kara Gammell is a personal finance and insurance expert at MoneySuperMarket. She's an award-winning financial journalist with nearly two decades of experience writing for national newspapers and magazines such as the Daily Telegraph, the Sunday Times, Good Housekeeping, the Metro, the Independent, the Guardian, the Observer, Marie Claire, the Sun and Cosmopolitan. Kara also regularly comments on consumer issues on TV, radio and podcasts such as BBC's Rip-off Britain, ITV News, BBC Moneybox, Wake Up to Money and Times Radio. Kara is the founder of a money-saving blog Your Best Friend's Guide to Cash, which promises to help you get more bang for your buck, no matter what your budget. She's also written two books. Her latest book, 'Bargain Hunter: East hacks and tips to save money every day' was published in January 2005.

Chapters

00:00 Discussing dad's health struggles

03:04 Coping with family challenges

07:33 Explaining home insurance basics

10:18 Importance of proper insurance planning

14:00 Planning your route with money

17:55 The 15-minute rule for tasks

19:44 Automating savings for simplicity

25:06 Identifying and understanding childhood triggers

29:03 Experiencing perimenopause symptoms

31:31 Struggling with school friendships

32:53 Getting help with financial planning

36:27 Challenges of menopause at work

41:15 Talking about parenting values

42:23 Considering a pension for my child

45:37 Auto enrollment pension changes

49:03 Teaching kids about money

53:01 Budgeting tips and food waste

56:25 Show outro and subscription request

--------------------------------------------------------------------------------------------------------------------------------- Connect with Rebecca Robertson and the Podcast: Subscribe for weekly wealth-building strategies: https://www.youtube.com/@rebeccarobertsonifa Instagram: https://www.instagram.com/rebecca_robertsonifa & https://www.instagram.com/acceleratingyourwealth LinkedIn: https://www.linkedin.com/in/rebecca-financial-advisor Facebook :https://www.facebook.com/RebeccaRobertsonwealth www.evolutionfinancialplanning.co.uk Disclaimer: This content is for educational and informational purposes only and should not be construed as financial advice.

Essential Rules for Money, Life and Wealth Management for Women with Kara Gammell - Ep. 141 Part 1.

In this two part episode of the Accelerating Your Wealth Podcast, personal finance expert Kara Gammell joins Rebecca Robertson to break down the realities of managing joint finances, the emotional aspects of money and how women can protect their financial futures. Get practical tips, real-world insights, and straight talk about everything from divorce to unpaid work calculators.

What's covered in this episode:

• The pros and cons of joint versus separate finances for couples

• Handling financial changes after major life events like divorce or having kids

• The hidden costs (and value) of unpaid work and how to calculate it

• The importance of financial transparency, protection, and planning for emergencies

• How to stay financially independent and secure, no matter your life choices

Connect with Kara Instagram: https://www.instagram.com/kara.gammell/?hl=en

LinkedIn: https://www.linkedin.com/in/karagammell/

Kara Gammell is a personal finance and insurance expert at MoneySuperMarket. She's an award-winning financial journalist with nearly two decades of experience writing for national newspapers and magazines such as the Daily Telegraph, the Sunday Times, Good Housekeeping, the Metro, the Independent, the Guardian, the Observer, Marie Claire, the Sun and Cosmopolitan. Kara also regularly comments on consumer issues on TV, radio and podcasts such as BBC's Rip-off Britain, ITV News, BBC Moneybox, Wake Up to Money and Times Radio. Kara is the founder of a money-saving blog Your Best Friend's Guide to Cash, which promises to help you get more bang for your buck, no matter what your budget. She's also written two books. Her latest book, 'Bargain Hunter: East hacks and tips to save money every day' was published in January 2005.

Chapters

00:00 "Curated Playlists for Fast Learning"

04:38 "Managing Joint Finances Effectively"

06:21 Managing Money in Relationships

09:57 "Split Bills Fairly Calculator"

14:57 Navigating Care and Backup Plans

18:29 Struggles of IVF and Work Choices

21:54 Freelancing to Stability Transition

23:21 "Opportunity, Careers, and Working Women"

26:57 Generous Financial Support in Relationship

31:43 "Open Conversations About Finances"

33:25 Partnered Financial Planning Tips

37:38 "Financial Preparedness in Crisis"

41:28 "Show Paused Until Monday"

--------------------------------------------------------------------------------------------------------------------------------- Connect with Rebecca Robertson and the Podcast: Subscribe for weekly wealth-building strategies: https://www.youtube.com/@rebeccarobertsonifa Instagram: https://www.instagram.com/rebecca_robertsonifa & https://www.instagram.com/acceleratingyourwealth LinkedIn: https://www.linkedin.com/in/rebecca-financial-advisor Facebook :https://www.facebook.com/RebeccaRobertsonwealth www.evolutionfinancialplanning.co.uk Disclaimer: This content is for educational and informational purposes only and should not be construed as financial advice.

Understanding Financial Advice and Guidance: Protect Yourself When Making Money Moves - Ep. 140.

What's the real difference between financial advice and guidance and why does it matter?

In this episode, Rebecca cuts through the confusion and explains why knowing the distinction is crucial for your financial decisions.

- The key difference between financial advice and guidance

- The role of regulation and how it protects you as a consumer

- What a financial planner can and can't do versus a financial adviser

- Risks of acting on unregulated advice and tips to make smarter decisions about your money

Chapters

00:00 "Regulated Advice and Qualifications"

05:23 Beware One-Size-Fits-All Advice

07:22 "Financial Guidance: Questions and Decisions"

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Connect with Rebecca Robertson and the Podcast

Subscribe for weekly wealth-building strategies: https://www.youtube.com/@rebeccarobertsonifa

Instagram: https://www.instagram.com/rebecca_robertsonifa & https://www.instagram.com/acceleratingyourwealth

LinkedIn: https://www.linkedin.com/in/rebecca-financial-advisor

Facebook :https://www.facebook.com/RebeccaRobertsonwealth www.evolutionfinancialplanning.co.uk

Disclaimer: This content is for educational and informational purposes only and should not be construed as financial advice.

From Mortgage Planning to Growing Your Pension Pot - Ask Becky Anything - Ep. 139.

Get the answers to your top finance and retirement questions in this, Ask Becky Anything, episode of the Accelerating Your Wealth Podcast. From first mortgages to growing your pension, you'll get practical tips you can put into action.

• How to prepare as a sole trader for your first mortgage, including improving your credit rating and reviewing your business accounts.

• The benefits of consulting mortgage brokers and using lender affordability calculators.

• Tips on saving for a mortgage deposit and using right-to-buy schemes for first-time buyers.

• How to calculate how much you need to add to your pension for the retirement lifestyle you want.

• Why regularly reviewing your pension's performance, charges, and advice is essential for your financial future.

Chapters

00:00 Navigating Mortgage and Buying Options

04:05 Scaling Finances for Growth

09:28 Financial Planning and Pension Tips

11:11 Accelerating Wealth with Rebecca

Navigating Big Life Leaps: Career Change, Values, and Wealth with Melanie Coeshott - Ep. 138

Career coach and mentor Melanie Coeshott joins Rebecca Robertson to share her journey from a senior accountancy role at Mastercard to launching her own coaching business. Discover practical advice on career transitions, investing and building financial security.

In this episode, you'll learn:

• What it really means to be a career coach and the key differences between career change and career development

• Melanie's story of moving from the corporate world to entrepreneurship, and how she prepared financially for the leap

• The importance of motivational drivers and how tools like Motivational Maps can shape your career decisions

• Insights on building wealth, transitioning out of property investments and planning for the future

• Tips for women on financial independence, money management, and using external advice to accelerate your goals

Chapters

00:00 Rediscovering Purpose in Mid-Career

04:56 "Discovering Accountancy for Stability"

06:28 From Accountant to Coach

12:33 From Individuals to Corporate Coaching

14:12 Diversifying Beats Niching in Business

18:41 Motivational Maps for Career Growth

20:26 Understanding Motivational Drivers

26:23 Career Growth and Wealth Strategies

28:43 Accidental Landlord Journey

31:06 Planning Ahead for Education Funds

35:54 "Society, Values, and Financial Choices"

37:43 "Mindsets and Relationships Dynamics"

42:29 "Investing Advice: Have a Go"

45:41 Collaborating on Pension Management

50:24 "Impartial Bespoke Financial Advice"

53:56 "Empowering Women Through Saving"

56:18 Simple Advice That Works

----------------------------------------------------------------------------------------------------------- Connect with Rebecca Robertson and the Podcast: Subscribe for weekly wealth-building strategies: https://www.youtube.com/@rebeccarobertsonifa Instagram: https://www.instagram.com/rebecca_robertsonifa & https://www.instagram.com/acceleratingyourwealth LinkedIn: https://www.linkedin.com/in/rebecca-financial-advisor Facebook :https://www.facebook.com/RebeccaRobertsonwealth www.evolutionfinancialplanning.co.uk Disclaimer: This content is for educational and informational purposes only and should not be construed as financial advice.

From NHS Midwife to Corporate Queen at 60 - Penny Lazell Ep.137.

Penny Lazell shares her incredible journey of reinvention across two decades of life-changing decisions. In this deeply honest episode of Accelerating Your Wealth, Rebecca Robertson sits down with her long-time friend and client to explore what happens when women finally put themselves first.

Penny's story spans leaving the NHS to start her own business, navigating a difficult divorce at 50, rebuilding her finances as a single woman and ultimately receiving a life-changing ADHD diagnosis at 60. Together with Rebecca, they tackle the hard questions about why women consistently put themselves last financially, how grief and mortality shape our decisions and what it truly means to practise self-care rather than selfishness.

In this episode, you will learn:

• Why many women sacrifice their careers and pensions for family, and how to avoid the same trap
• How to navigate divorce financially when you have been the lower earner
• The importance of understanding your pension rights during separation
• How fitness and self-care became the catalyst for major life change
• What late-diagnosed ADHD looks like in women over 50
• Why budgeting felt impossible after decades of relying on a partner's income
• How to find your tribe and rebuild your identity after major life transitions
• The real value of working with a financial adviser, and what to look for

Chapters

0:00 Introduction: Meeting Penny — A 15-Year Friendship 2:09 From Nurse to Health Visitor: Career Sacrifices in the 1990s 6:55 First Property Investment and Why Women Put Kids First 11:05 The Turning Point: Realising the Marriage Was Over 14:56 How Fitness Became the Catalyst for Everything 20:10 Self-Care vs Selfishness: Changing the Narrative 25:28 Advice for Women Considering Divorce 30:05 When Amicable Divorce Turns Nasty 36:56 Learning to Budget for the First Time at 50 41:41 ADHD Diagnosis at 60: Why Everything Finally Made Sense 54:19 The Real Value of Working with a Financial Adviser

------------------------------------------------------------------------------------------------------------Connect with Rebecca Robertson and the Podcast: Subscribe for weekly wealth-building strategies: https://www.youtube.com/@rebeccarobertsonifa Instagram: https://www.instagram.com/rebecca_robertsonifa & https://www.instagram.com/acceleratingyourwealth LinkedIn: https://www.linkedin.com/in/rebecca-financial-advisor Facebook :https://www.facebook.com/RebeccaRobertsonwealth www.evolutionfinancialplanning.co.uk Disclaimer: This content is for educational and informational purposes only and should not be construed as financial advice.

Tackling the Gender Wealth Gap: Strategies for Women to Secure Retirement - Ep. 136.

Buy Becky's book here: https://www.amazon.co.uk/Ten-Ways-Accelerate-Your-Wealth/dp/B09GJGH272

Discover the realities behind the gender wealth gap and what women can do right now to secure a stable retirement. In this solo episode, Rebecca Robertson breaks down the facts, challenges and practical solutions for closing the gap. In this episode you will learn:

• Key statistics from the Scottish Widows Women in Retirement report

• The impact of career breaks on women's pensions and retirement income

• Practical steps couples can take to reduce pension gaps

• Financial planning tips for women navigating family and career

• Why starting early is crucial for avoiding poverty in retirement

Chapters

00:00 "Gender Pension Gap Widens"

05:11 "Pension and Gender Pay Gap"

07:19 Delayed Financial Planning Costs

10:25 Shared Finances and Pension Planning

13:30 "Maximising Finances for Businesswomen"

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Connect with Rebecca Robertson and the Podcast:

Subscribe for weekly wealth-building strategies: https://www.youtube.com/@rebeccarobertsonifa

Instagram: https://www.instagram.com/rebecca_robertsonifa https://www.instagram.com/acceleratingyourwealth

LinkedIn: https://www.linkedin.com/in/rebecca-financial-advisor

Facebook: https://www.facebook.com/RebeccaRobertsonwealth

www.evolutionfinancialplanning.co.uk

Disclaimer: This content is for educational and informational purposes only and should not be construed as financial advice.

Podcast produced by https://podforge.co.uk