Ms Moneypennies

Ms Moneypennies

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Ms Moneypennies episodes

  • Ep 53: What Should Your Adviser Do For You?

    In this episode of Ms Moneypennies  Jill and Kelly-Anne answer a listener question: what should a financial advisor actually do for me? They break down the real role of an advisor beyond products and paperwork, showing how advice should be built around goals, risk, reviews, and clear communication.The conversation also makes the case for ongoing relationship-based advice. Jill and Kelly-Anne explain why good advice is about listening, planning, adjusting, and keeping clients calm when life or markets change.

    Key topics

    • In this episode, they explain that a good financial advisor should start by listening to your goals, not by pushing a product.
    • They use a sat nav analogy to show how advice should help map the most appropriate route based on your destination and your risk tolerance.
    • They discuss why emergency funds matter, including the warning that many people are only a couple of pay slips away from trouble.
    • Explain why money needed in the short term should not be left in volatile investments, especially if it is earmarked for something like a renovation.
    • They stress that different people have different priorities, such as protecting income, saving for a renovation, or funding a pension.
    • They talk about the importance of plain-English explanations so clients understand what they are signing up for before they leave the meeting.
    • Reviews are a major theme, with both hosts saying an advisor should revisit your plan regularly as your circumstances, goals, and legislation change.
    • The episode closes with a reminder that if you do not feel comfortable with your advisor, it may be time to have an honest conversation or find a better fit.

      • Have you got a question for Ms Moneypennies? Get in touch

      Voice Note: 085 7285161

      Website: www.msmoneypennies.ie

      Instagram: https://www.instagram.com/msmoneypennies.ie/

      All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

       

      28 min
    • What Does Mortgage Protection Cover?

      Summary

      In this episode, Kelly-Anne and Jill explore the essentials of mortgage protection, clarifying misconceptions and offering practical advice on choosing the right cover to protect your family and financial future.

      Key Topics

      What mortgage protection covers and what it doesn't

      The importance of understanding decreasing vs. level term cover
      The benefits of dual life cover and joint policies
      The significance of conversion options in policies
      How to review and update your protection plans

       

      Have you got a question for Ms Moneypennies? Get in touch

      Voice Note: 085 7285161

      Website: www.msmoneypennies.ie

      Instagram: https://www.instagram.com/msmoneypennies.ie/

      All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

       

       

       

       

      26 min
    • Ep 51: Pension Adjustment Orders

      Pension adjustment orders can have a major impact on your financial future after separation or divorce, yet they're often misunderstood.

      In this episode, Jill and Kelly-Anne explain how pension adjustment orders work, common mistakes people make, and why understanding your pension entitlements is so important before agreeing a settlement.

      They discuss relevant periods, pension valuations, retirement options, and the importance of getting financial advice to avoid costly surprises later.

       

      Have you got a question for Ms Moneypennies? Get in touch

      Voice Note: 085 7285161

      Website: www.msmoneypennies.ie

      Instagram: https://www.instagram.com/msmoneypennies.ie/

      All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

       

      23 min
    • Ep 50: Negotiate your Worth: Why Women Need To Ask For More

      Why do so many women hesitate to ask for the salary they deserve?

      In this episode of Miss Moneypennies, Jill and Kelly-Anne are joined by Becky Thomas, author of Negotiate Your Worth: Strategies for Women to Get the Salary Increase They Deserve.

      They discuss the confidence gap, salary negotiations, and the long-term financial impact of not asking for more.

      Exploring why women often undervalue themselves, how to prepare for salary conversations, the importance of leading with facts rather than emotions, and how even a small increase early in your career can have a significant effect on your future wealth, pension, and financial freedom.

      A practical and empowering conversation for anyone who wants to build confidence, increase their earning potential, and take control of their financial future.

      Want to know more? You can get Negotiate Your Worth here: https://www.amazon.ie/Negotiate-Your-Worth-Strategies-Increase/dp/B0FDQPHRW2

       

      Check out Becky on Instagram under Female_negotiator_tribe 

       

      Have you got a question for Ms Moneypennies? Get in touch

      Voice Note: 085 7285161

      Website: www.msmoneypennies.ie

      Instagram: https://www.instagram.com/msmoneypennies.ie/

      All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

       

      28 min
    • Ep 49: How Much Should Be In My Pension

      Are you saving into your pension without knowing if it will actually be enough? In this episode, Kelly-Anne and Jill use the Financial Planning Standards Board’s Prime Retirement Index to unpack what your pension pot may need to look like, why clear retirement targets matter, and how to tell if you’re on track. A practical conversation for anyone who wants to stop guessing and start planning for retirement with more confidence..

       

       Have you got a question for Ms Moneypennies? Get in touch

      Voice Note: 085 7285161

      Website: www.msmoneypennies.ie

      Instagram: https://www.instagram.com/msmoneypennies.ie/

      All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

      18 min
    • Ep 48: Finance Through The Decades

      How did we get from credit cards and ATMs to crypto and post-pandemic investing? Jill and Kelly-Anne explore the biggest financial shifts from the 1950s to today, and what they reveal about how we save, spend and invest. A sharp, practical look at the moments that shaped modern money.

       

      Have you got a question for Ms Moneypennies? Get in touch

      Voice Note: 085 7285161

      Website: www.msmoneypennies.ie

      Instagram: https://www.instagram.com/msmoneypennies.ie/

      All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

       

      30 min
    • Ep 47: Questions and Answers

      In this Q and A episode of Ms Moneypennies, Kelly-Anne and Jill answer listeners’ questions on some of the money issues coming up most often right now.

      They cover old pensions, whether to combine them, fixed versus variable mortgage rates for first-time buyers, the cost of childcare, guilt around spending money on yourself, auto-enrolment and private pensions, and how to think about risk in volatile markets.

      It is a practical episode with simple advice on understanding what you have, reviewing your options, and making a plan that works for your life now and in the future.

       

      Have you got a question for Ms Moneypennies? Get in touch

      Voice Note: 085 7285161

      Website: www.msmoneypennies.ie

      Instagram: https://www.instagram.com/msmoneypennies.ie/

      All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

      21 min
    • Ep 46: Menopause and Finance Decisions

      In this episode of Ms Moneypennies, Kelly-Anne and Jill are joined by Lesley, co-founder of Hello Mimi, to talk about menopause and its impact on work, confidence and finances.

      Lesley shares her own experience leaving a corporate career due to menopause symptoms, and why she now helps women manage this stage of life with practical support.

      They discuss overwhelm, brain fog, stepping back from work, and why it is important to plan your finances before making big decisions.

      Their message is: don’t be afraid to ask for help, take your time, and make sure you understand your options.

       

      Have you got a question for Ms Moneypennies? Get in touch

      Voice Note: 085 7285161

      Website: www.msmoneypennies.ie

      Instagram: https://www.instagram.com/msmoneypennies.ie/

      All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

      24 min
    • Ep 45: Money Mistakes

      In episode 45 of Ms Moneypennies, Kelly-Anne and Jill talk through the money mistakes people make all the time without even noticing.

      They cover underestimating spending, holding too much cash, ignoring pensions, missing tax relief, relying too heavily on property, and avoiding money conversations altogether. It’s a practical episode about the small habits and blind spots that can quietly cost you over time, and what you can do to fix them.

       

      Have you got a question for Ms Moneypennies? Get in touch

      Voice Note: 085 7285161

      Website: www.msmoneypennies.ie

      Instagram: https://www.instagram.com/msmoneypennies.ie/

      All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

      30 min
    • Ep 44: Overpay your Mortgage or Invest?

      This week Kelly-Anne and Jill talk through the pros and cons of both investing or paying off your mortgage. Why an emergency fund should come first, how your future goals, cash flow and peace of mind all matter. They also look at mortgage overpayments, pensions and why the right choice depends on your own circumstances.

       

      Link to calculate extra mortgage repayments: https://www.ccpc.ie/consumers/money-tools/extra-mortgage-payments-calculator/

       

      Have you got a question for Ms Moneypennies? Get in touch

      Voice Note: 085 7285161

      Website: www.msmoneypennies.ie

      Instagram: https://www.instagram.com/msmoneypennies.ie/

      All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

      23 min

    About Ms Moneypennies

    From the publisher's feed

    Join Jill Steeples QFA RPA and Kelly-Anne Quinn QFA RPA SIA FPRA CFP®, on their podcast “Ms Moneypennies”, where they have created a space for judgement-free finance chats. With their wealth of experience, they are amplifying female financial voices to every day money matters. Their mission? To demystify financial planning by stripping away the jargon and simplifying concepts, making it approachable for all. Tune in to join their conversations and submit the questions you’ve been longing to ask!