In this episode, Gary and Marcus discuss the implications of the Spring Statement for pensions, inheritance tax, and estate planning. With pensions set to be included in estates for inheritance tax purposes from 2027, many long-standing strategies are being reconsidered.

They explore how financial planning has shifted, why reviewing your income and asset structure is now essential, and what steps you can take to reduce your exposure to inheritance tax.

Key points covered;

Pensions and IHT – Why pensions may no longer be the most efficient way to pass on wealth.

Estate structure – The growing importance of giving assets away during your lifetime.

Business Property Relief – What’s changing in 2026, and how it can still play a key role.

Generational planning – Involving family in your financial decisions to protect long-term wealth.

Legal considerations – The role of wills, marriage, and power of attorney in effective planning.

With tax rules evolving and thresholds frozen, proactive planning is more important than ever. The earlier you review your position, the more options you’ll have to protect your estate.

To discuss your own circumstances, visit kdw.co.uk or speak to an independent financial adviser.

Disclaimer: This podcast is for information only. Please seek independent financial advice tailored to your personal situation.

For tailored advice and support, visit kdw.co.uk or come and see us in the heart of St Albans.

Hosted on Acast. See acast.com/privacy for more information.

In this episode, Gary and Marcus discuss the dramatic impact of Donald Trump’s declaration of “Liberation Day” on global financial markets. With sudden tariffs and international uncertainty, investors are understandably nervous. But is this a time for panic, or perspective?

Drawing on their decades of experience and client conversations, they offer calm, expert insight into what this kind of market turbulence means - and how to respond with confidence, not fear.

Key Topics Covered

• Trump’s “Liberation Day” and its immediate impact on global markets
• The role of shock events in investment cycles
• Why staying invested is often wiser than cashing out during volatility
• Understanding tariffs and their implications for business and trade
• The importance of having a clear investment objective
• How diversification and active fund management help manage risk
• Market history: COVID, inflation, and the resilience of long-term portfolios
• The value of phased investing (pound cost averaging) during uncertain times
• The emotional side of investing and managing client confidence

Disclaimer: This podcast is for information only. Please seek independent financial advice tailored to your personal situation.

For tailored advice and support, visit kdw.co.uk or come and see us in the heart of St Albans.

Hosted on Acast. See acast.com/privacy for more information.

Join Gary and Marcus as they sit down just a few hours after The Autumn Budget to explore how it affects you and your money.

How will the changes to Inheritance Tax impact on you and your family? What will happen with your pension when you die and how will it now be taxed? What is the impact of the changes in Capital Gains Tax levels? How will businesses be affected by the new rules? Will you have to rethink your financial planning strategy?

All the answers are in this episode, as Marcus and Gary give their hot take on what was announced in Parliament on Wednesday afternoon.

If you enjoy this series, please do take a moment to leave a rating or a review.

For more information, head to www.kdw.co.uk

This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.

Hosted on Acast. See acast.com/privacy for more information.

Debunking the myths around financial advice, in this episode Marcus and Gary take a deep dive into Equity Release, asking if you should pay off your mortgage?

Equity release has had a bad name in the past, and often rightly so, but with new products and planning techniques there can be occasions when this is suitable for your financial planning.

What is Equity Release? What are the biggest misconceptions around Equity Release? Will you lose your home? Can you end up with negative equity? Aren’t I too old to take out a mortgage?

If you enjoy this series, please do take a moment to leave a rating or a review.

For more information, head to www.kdw.co.uk

This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.

A Boutique Broadcast production for KDW Financial Planning

Hosted on Acast. See acast.com/privacy for more information.

Debunking the myths around financial advice, in this episode Marcus and Gary tackle the complex question of protection, and ask whether life cover is a waste of money?

Nobody wants to think about protection and life cover, but the consequences of burying your head in the sand can be far worse. If you have anyone depend on you, particularly if you have a young family, protection is often the first consideration for financial planning.

What covers are available? What is the difference between life cover, critical illness cover and income protection? What is family income benefit? How do you choose the best provider?

If you enjoy this series, please do take a moment to leave a rating or a review.

For more information, head to www.kdw.co.uk

This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.

A Boutique Broadcast production for KDW Financial Planning

Hosted on Acast. See acast.com/privacy for more information.

Debunking the myths around financial advice, in this episode Marcus and Gary talk about mortgages, and ask, “Does your mortgage work for you?”.

What are the different types of mortgage, what is the difference between fixed rate and tracker mortgages? How much can you borrow? How do you get a mortgage? Should you go direct to a bank or building society or should you get independent financial advice? Should you pay of your mortgage as quickly as possible?

If you enjoy this series, please do take a moment to leave a rating or a review.

For more information, head to www.kdw.co.uk

This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.

A Boutique Broadcast production for KDW Financial Planning

Hosted on Acast. See acast.com/privacy for more information.

Debunking the myths around financial advice, in this episode Marcus and Gary explain the key issues around inheritance tax (IHT) and tax planning. 

When does IHT need to be paid, and how can you reduce it? Is it legal and moral to mitigate inheritance tax? Are married couples always exempt from IHT? Are foreign assets exempt from UK inheritance tax? Should I put my house in my children’s name?

If you enjoy this series, please do take a moment to leave a rating or a review.

For more information, head to www.kdw.co.uk

This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.

A Boutique Broadcast production for KDW Financial Planning

Hosted on Acast. See acast.com/privacy for more information.

Debunking the myths around financial advice, in this episode Marcus and Gary talk talk about investments and take a deep dive into the difference between ISAs and Pensions, asking whether you should invest in one or the other?

What is the difference between cash investments and stock market investments? Is it risky to invest in stocks and shares? Should I invest in property? Where and how do I begin? Should I diversify my portfolio?

And the big question - is it better to invest in an ISA or a pension?

If you enjoy this series, please do take a moment to leave a rating or a review.

For more information, head to www.kdw.co.uk

This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.

A Boutique Broadcast production for KDW Financial Planning

Hosted on Acast. See acast.com/privacy for more information.

Debunking the myths around financial advice, in this episode Marcus and Gary talk talk about penstions, asking “How much do YOU need to retire?”.

They explore common misconceptions around pensions, ask when you should (and shouldn’t) be paying into a pension, look at the role of financial advisors in planning your pensions and ask the 5 most Googled questions about Pensions.

If you enjoy this series, please do take a moment to leave a rating or a review.

For more information, head to www.kdw.co.uk

This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.

A Boutique Broadcast production for KDW Financial Planning

Hosted on Acast. See acast.com/privacy for more information.