In this episode of Retire Well, Matthew and Joe dive into the complexities of retirement budgeting. They explore how spending habits shift in retirement, the importance of distinguishing between essential and discretionary expenses, and how to plan for unexpected costs like healthcare or family support. With real client stories and practical advice, this episode is a must-listen for anyone approaching retirement or refining their financial plan. Plus, they answer a listener’s question on helping children with tuition fees and housing deposits—without compromising your own retirement security.

📩 Got questions? Drop them in the comments or email us at [email protected]

🔔 Subscribe for weekly episodes on retirement planning, pensions, and financial wellbeing.

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TALK TO US

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Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

In this episode of Retire Well, Matthew and Joe explore one of the most important — and often misunderstood — aspects of retirement planning: how to choose the right investment strategy for your pension and long-term goals.They cover:- Understanding your personal goals: income, growth, or legacy?- The “Risk Triangle”: need, capacity, and willingness to take risk- Sequencing risk and how to protect against it- Asset classes explained: equities, bonds, cash, property, and alternatives- Active vs. passive investing — which is right for you?- Multi-asset funds vs. specialist fund managers- Tax wrappers: pensions, ISAs, and how to invest tax-efficiently- Behavioural psychology and the value of financial adviceWhether you're approaching retirement or just starting to build your pension, this episode is packed with practical insights to help you invest with confidence.📩 Got questions? Drop them in the comments or email us at [email protected]🔔 Subscribe for weekly episodes on retirement planning, pensions, and financial wellbeing.--TALK TO USCall us: 0191 384 1008Email us: [email protected]Website: www.wealthofadvice.co.uk--SUBSCRIBE TO OUR NEWSLETTERhttps://www.wealthofadvice.co.uk/newsletter-sign-up---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

In this episode of Retire Well, Matthew and Joe dive deep into one of the most topical financial planning issues today: Inheritance Tax (IHT) and how changes to pension legislation could impact your estate.

They explore:

- The implications of pensions being included in your estate for IHT

- The 7-year rule and gifting strategies

- How rising house prices and frozen tax bands are pulling more people into the IHT net

- Smart ways to pass on wealth tax-efficiently using pensions, trusts, life insurance, and surplus income

- Real-life examples of multi-generational planning

- Why reviewing death benefits and pension structures is crucial

Whether you're planning for retirement or thinking about your legacy, this episode is packed with practical insights and actionable advice.

📩 Got questions? Drop them in the comments or email us at [email protected]

🔔 Subscribe for weekly episodes on retirement planning, pensions, and financial wellbeing.

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STEP BY STEP FOR ST CUTHBERT'S HOSPICE

The Wealth of Advice team is walking and running a collective 1,988km between 19th August and 19th September, honouring the year St Cuthbert’s Hospice was founded.

We’re aiming to raise £1,988 to support the incredible work the hospice does every day, providing compassionate care to those facing life-limiting illnesses in Durham.

Whether it’s a morning jog, weekend hike, or lunchtime stroll; every step counts.

To find out more and donate to the cause, visit our website at the link below:

https://www.wealthofadvice.co.uk/step-by-step-for-st-cuthberts-hospice

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TALK TO US

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Website: www.wealthofadvice.co.uk

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Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

In this episode of Retire Well, Matthew and Joe explore one of the most common questions in financial planning: Can I retire early? They unpack the financial and psychological aspects of early retirement, including how to bridge the gap before state pension age and what “retirement” really means today.

Topics include:

• UK pension rules and how they affect early retirement
• Tax on savings interest and upcoming changes in 2027
• Planning with cash, ISAs, pensions, and defined benefit schemes
• Real-life case studies: relocation, single retirement planning, phased retirement, and redundancy
• How to structure your income using the “tap” approach for tax efficiency

Listener question: Should I prioritise ISAs or pensions before state pension age?

📩 Got questions? Drop them in the comments or email us at [email protected]

🔔 Subscribe for weekly episodes on retirement planning, pensions, and financial wellbeing.

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TALK TO US

Call us: 0191 384 1008

Email us: [email protected]

Website: www.wealthofadvice.co.uk

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SUBSCRIBE TO OUR NEWSLETTER

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Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

In this episode of Retire Well, Matthew and Joe dive into how to build a flexible and resilient retirement plan that can adapt to changing circumstances—like inflation, interest rates, and unexpected life events.They explore:

• How inflation and the Bank of England base rate affect retirement planning
• The importance of having a long-term, adaptable financial plan
• The role of annuities, drawdown, and diversified tax wrappers
• How to prepare for legislative changes, market volatility, and care costs
• Why flexibility and psychological readiness are just as important as financial models

Plus, they answer a listener’s question: “Should I reduce my equity exposure three years before retirement?”📩 Got questions? Drop them in the comments or email us at [email protected]🔔 Subscribe for weekly episodes on retirement planning, pensions, and financial wellbeing.--TALK TO USCall us: 0191 384 1008Email us: [email protected]Website: www.wealthofadvice.co.uk--SUBSCRIBE TO OUR NEWSLETTERhttps://www.wealthofadvice.co.uk/newsletter-sign-up---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

In this episode of Retire Well, Matthew and Joe dive into one of the most debated topics in retirement planning: property versus pensions.

Is investing in bricks and mortar really “as safe as houses”?

Or do pensions offer more flexibility, tax advantages, and peace of mind?

They explore:

• The pros and cons of rental property income
• Stamp Duty Land Tax and hidden costs
• Real-life client stories — both successes and horror tales
• How pensions offer liquidity, diversification, and tax efficiency
• Alternatives like property funds and company structures
• The emotional and practical considerations of inheriting property

Whether you're a seasoned landlord or just starting to think about retirement, this episode offers balanced insights to help you make informed decisions.

📩 Got questions? Drop them in the comments or email us at [email protected]🔔 Subscribe for weekly episodes on retirement planning, pensions, and financial wellbeing.--TALK TO USCall us: 0191 384 1008Email us: [email protected]Website: www.wealthofadvice.co.uk--SUBSCRIBE TO OUR NEWSLETTERhttps://www.wealthofadvice.co.uk/newsletter-sign-up---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

Are you approaching retirement and wondering how to structure your income and investments? In this episode of Retire Well, Matthew and Joe dive deep into the retirement bucketing strategy; a powerful method to manage investment risk, sequencing risk, and ensure stable income throughout retirement.✅ Learn how to:- Build short-term, medium-term, and long-term investment buckets- Protect your retirement income from market volatility- Balance psychological comfort with financial efficiency- Use pensions, ISAs, annuities, and cash reserves effectively- Avoid common mistakes and make confident financial decisionsWhether you're newly retired or planning ahead, this episode offers practical advice and real client examples to help you retire with confidence.📩 Got questions? Drop them in the comments or email us at [email protected]🔔 Subscribe for weekly episodes on retirement planning, pensions, and financial wellbeing.--TALK TO USCall us: 0191 384 1008Email us: [email protected]Website: www.wealthofadvice.co.uk--SUBSCRIBE TO OUR NEWSLETTERhttps://www.wealthofadvice.co.uk/newsletter-sign-up---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

Are you approaching retirement age and wondering if you're truly ready. financially and psychologically? In this episode of Retail Well, Matthew and Joe dive deep into retirement planning for those around age 55, sharing real-life stories, expert insights, and common mistakes to avoid.✅ Learn about:The psychological vs. financial readiness for retirementDefined benefit vs. flexible pensionsThe Money Purchase Annual Allowance (MPAA) explainedWhy accessing your pension at 55 might not be possibleHow the state pension age and protected pension ages affect your plansTips on avoiding costly pension consolidation errorsWhether you're planning to retire early or just want to make smarter financial decisions, this episode is packed with actionable advice and retirement planning strategies.📬 Got questions? Drop them in the comments or email us at ⁠[email protected]⁠ for a chance to be featured in future episodes!--TALK TO USCall us: 0191 384 1008Email us: [email protected]Website: www.wealthofadvice.co.uk--SUBSCRIBE TO OUR NEWSLETTERhttps://www.wealthofadvice.co.uk/newsletter-sign-up---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

In this episode of the Retire Well podcast, Matthew and Joe dive deep into the topic of redundancy planning and how it intersects with your pension and retirement strategy. With redundancy rates rising across the UK, it's more important than ever to understand your options—whether you're facing voluntary or compulsory redundancy.🔍 Topics Covered:What redundancy means for your pensionStatutory vs enhanced redundancy paymentsTax implications and planning opportunitiesUsing redundancy to transition into retirementSalary sacrifice and pension contributionsPsychological impact and lifestyle considerationsBenefits eligibility and NI contributionsListener Q&A: Can I use my pension after redundancy?💡 Whether you're approaching retirement or navigating a sudden career change, this episode offers practical advice and thoughtful insights to help you make informed decisions.📬 Got questions? Drop them in the comments or email us at ⁠[email protected]⁠ for a chance to be featured in future episodes!--TALK TO USCall us: 0191 384 1008Email us: [email protected]: www.wealthofadvice.co.uk--SUBSCRIBE TO OUR NEWSLETTERhttps://www.wealthofadvice.co.uk/newsletter-sign-up---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

In this episode of Retire Well, Matthew and Joe tackle a listener's question about low-risk investment options in retirement. But they go far beyond just cash savings, exploring the hidden risks of inflation, longevity, and opportunity cost. From FSCS protection and premium bonds to multi-asset funds and annuities, they break down the pros and cons of each approach. Whether you're risk-averse or just looking to make smarter decisions with your retirement pot, this episode offers practical insights to help you balance safety, growth, and peace of mind.

📬 Got questions? Drop them in the comments or email us at [email protected] for a chance to be featured in future episodes!

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TALK TO US

Call us: 0191 384 1008

Email us: [email protected]

Website: www.wealthofadvice.co.uk

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SUBSCRIBE TO OUR NEWSLETTER

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Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.