Are your financial decisions aligned with what truly matters to you? 📈✨

In this episode, I’m joined by Dominic Baldwin, founder of Xentum, to discuss how to break free from the noise of the financial industry and build a wealth strategy that centres on your core values. From the massive economic influence of the Premier League to the critical importance of choosing the right financial guide, we explore how to make decisions that actually count.

In this episode, we discuss:

Defining Personal Success: Why wealth means nothing if it isn't aligned with your long-term priorities, family, and mentorship.

The Anatomy of a Trusted Advisor: Why you should only work with advisors who are chartered, independent, and charge fixed fees.

The Cost of "Percentage" Fees: How fixed-fee structures can save you over £1 million compared to traditional percentage-based models over a 25-year period.

Building Your "Dream Team": Why high-performing individuals need a self-policing team of lawyers, accountants, and specialists to protect their interests.

Economic Impact: The vital role of the Premier League as a global export and economic driver for the UK.

Value-Aligned Planning: How to use goal-setting exercises to ensure your financial choices—from mortgage repayments to investments—truly serve your life goals.


About Dominic Baldwin:
Dominic Baldwin is the founder of Xentum, a Chartered independent financial consultancy he built over 21 years ago after growing disillusioned with an industry that prioritised product sales over genuine client guidance. With more than 35 years of experience working with individuals, families, and business owners, Dominic has developed a reputation for cutting through complexity and focusing on what actually matters: making good decisions at the moments when it counts most. Xentum today supports over 250 families with combined wealth exceeding £1 billion. 

Through Xentum Corporate, Dominic and his team specialise in pre-exit financial planning for UK business owners, helping founders navigate the sale of their business with clarity and confidence, before the deal is done rather than after the money lands. His belief is straightforward: the most expensive mistakes in a business exit happen before the lawyers are instructed, and most founders don't know what they don't know.

Connect with Dominic on LinkedIn: https://www.linkedin.com/in/dominic-baldwin 
Xentum: https://www.xentum.co.uk/ 

Resources mentioned in this episode:
Download the Goal Setting Exercise Template: https://www.xentum.co.uk/your-new-year-goal-make-a-financial-plan/ 
Learn more about Xentum’s value-aligned approach: https://www.xentum.co.uk/financial-planning-process/ 

Topics covered:
- Introduction: Economic sentiment and the Premier League
- The personal history behind Xentum
- Coaching and defining life priorities
- Three rules for selecting a financial advisor
- Fixed fees vs. percentage-based fees: The massive difference
- Building a trusted team of professionals
- Common regrets and the true meaning of success
- Financial alignment for couples

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Is your portfolio safer than you think, or are you walking into a trap? In this episode, we sit down with financial expert Paddy Denning to uncover the "fragility" behind the S&P 500 and why a handful of stocks are currently propping up the entire market.We also get a reality check on the UK local elections—breaking down why they matter less to your wallet than the headlines suggest—and peer into the "black swan" scenario: what a Hantavirus pandemic would actually do to the global economy and your investments.👇 SUBSCRIBE to stay ahead of the markets and master your money.In this episode, we cover:Election Reality: Why the local election results didn't move the needle for personal finance—and where the real risks lie.The Gilt Market: A look at the UK bond market’s reaction and what it signals for future stability.The S&P 500 Fragility: An eye-opening look at index concentration and why "buying the market" might be riskier than it was 10 years ago.Diversification Strategy: Paddy’s professional framework for protecting clients from market volatility.Pandemic Preparedness: The potential economic fallout of a Hantavirus outbreak and the reality of future lockdowns.TIMESTAMPS00:00 – UK Local Elections: Why the impact on your finances is (honestly) minimal.05:40 – The Gilt Markets: How professional investors reacted to the election results.10:12 – The S&P 500 Trap: Why 42 stocks are driving 100% of the returns.14:30 – Concentration Risk: Is your index fund actually "diversified"?18:45 – Paddy’s Advice: How to build a truly resilient portfolio.23:10 – The Hantavirus Threat: Economic modelling for another pandemic/lockdown.29:00 – Conclusion: Preparing for the "Black Swan" events of 2026.Connect with Paddy DenningPaddy is a financial expert known for his data-driven approach to wealth management and his ability to spot market trends before they hit the mainstream.YouTube:    / @paddydenning   TikTok:   / paddydenning   Instagram:   / paddydenning  Enquiries: [email protected] Join the Teach Me About Money CommunityTeach Me About Money is on a mission to simplify finance for everyone. Founded by Kez Duxbury after 10 years in the financial sector, we provide the basics you need to make better decisions for your future.TikTok: www.tiktok.com/teachmeaboutmoneyInstagram: www.instagram.com/teachmeaboutmoneyukEverything Else: https://linktr.ee/teachmeaboutmoney💬 QUESTION OF THE DAY: Are you worried about the S&P 500 being too concentrated in a few tech stocks, or do you think the growth will continue? Let’s discuss in the comments!#SP5000 #PaddyDenning #InvestingTips #UKElections #GiltMarket #Diversification #Hantavirus #EconomicOutlook #MarketCrash #TeachMeAboutMoney #KezDuxbury #PortfolioStrategyDisclaimer: This video is for educational purposes only. Nothing discussed constitutes financial advice. Always consult a qualified professional before making investment decisions.

Why is there still a massive gap between how men and women invest? In this News Review, finance journalist Sabuhi Gard breaks down the systemic reasons women are being left behind and how we can finally close the Gender Investment Gap.We also dive into the Tony Blair Institute’s controversial plan to scrap the Triple Lock pension and what the 2026 interest rate hikes mean for your rent and mortgage.👇 SUBSCRIBE for weekly deep-dives into the UK economy and your personal finances.0:00 – Introduction: Who is Sabuhi Gard?02:15 – Interest Rates 2026: The impact on mortgages and rent.05:40 – Is the Triple Lock dead? The Tony Blair Institute pension plan.10:12 – What is the Gender Investment Gap? (The shocking stats).14:30 – Why women are being "talked down to" by the finance industry.18:45 – Worker's rights and the hidden "family burden" on female investors.22:10 – 3 Steps to closing the gap: Education, communication, and equality.28:00 – How to start your investment journey today.In this episode, we cover:The Rate Hike Reality: How higher interest rates are filtering through to UK households right now.Pension Reform: A breakdown of the proposal to replace the Triple Lock state pension.The Gender Investment Gap: Why it persists and the systemic barriers (like childcare and workers' rights) holding women back.Actionable Solutions: Why the industry needs to treat women as equal investors and how better education can change lives.Connect with Sabuhi GardSabuhi is a leading finance journalist specialising in making the world of money more transparent and equitable.Expert Insights: https://www.simplybusiness.co.uk/experts/ Substack: https://sabuhigard.substack.com/X (Twitter): https://x.com/sabuhi_gard Join the Teach Me About Money CommunityTeach Me About Money is on a mission to simplify finance for everyone. Founded by Kez Duxbury after 10 years in the financial sector, we provide the basics you need to make better decisions for your future.TikTok: www.tiktok.com/teachmeaboutmoneyInstagram: www.instagram.com/teachmeaboutmoneyukEverything Else: https://linktr.ee/teachmeaboutmoney💬 QUESTION OF THE DAY: Do you agree with the plan to replace the Triple Lock pension, or is it a mistake? Let us know in the comments!#GenderInvestmentGap #TripleLock #Pensions #UKFinance #InvestingForWomen #InterestRates #SabuhiGard #KezDuxbury #TeachMeAboutMoney #MortgageCrisis #FinancialEqualityDisclaimer: This video is for educational purposes only. Nothing discussed constitutes financial advice. Always consult a qualified professional before making investment decisions.