Those Pension Guys

In this episode, Kieran, Martin and Emma explore what really changes when you stop managing your finances alone and start working with a financial adviser.

They discuss the worries many people carry - from lost pensions and messy paperwork to feeling behind or being afraid of making the wrong decision - and the relief that can come from finally having someone in your corner.

The conversation also looks at what advisers actually do beyond investments: bringing clarity, providing objectivity, helping people prioritise and creating a long-term plan.

As always, the focus is on keeping things clear, practical and easy to understand.

Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.

In this episode, Kieran, Martin and Emma discuss what happens when life changes unexpectedly and the financial impact that can come with it. They explore the different forms financial shocks can take, from redundancy, illness and bereavement to more gradual changes such as caring for ageing parents, as well as positive but overwhelming events like receiving an inheritance or selling a business.

The conversation looks at the emotional side of these moments and why fear, guilt, overwhelm and responsibility can sometimes make clear financial decision-making more difficult. Drawing on real client experiences, they discuss how people can feel frozen or unsure of what to do next when circumstances change quickly.

They also explore how good financial planning can provide support during uncertain times, from building emergency funds and putting appropriate protection in place to using cashflow modelling to understand different “what if” scenarios. As always, the focus is on keeping things clear, practical and easy to understand, helping listeners feel more prepared and supported when life doesn’t go to plan.

Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.

In this episode, Kieran, Martin and Emma explore the link between money and identity, and how our early experiences can shape the way we think, feel and behave around finances. They discuss how childhood, family attitudes, cultural expectations and past experiences can all influence the money habits we carry into adult life.

The conversation looks at three common money identities and explores how these can overlap and appear in real financial decisions. From being overly cautious or afraid to invest, to spending freely or putting off important decisions, they explain how our money story can affect everything from risk-taking and saving to trust and communication.

They also discuss how people can begin to rewrite unhelpful financial patterns through greater awareness, open conversations and small, intentional changes. As always, the focus is on keeping things clear, practical and easy to understand, helping listeners recognise their own money habits and make more confident financial decisions.

Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.

In this episode, Kieran, Martin and Emma discuss what it really means to invest during periods of market volatility and why uncertainty in markets doesn’t always mean something has gone wrong. They explore why market movements can feel uncomfortable, how headlines and emotions influence decision-making, and why staying focused on long-term goals can often be more important than reacting to short-term events.

The conversation covers common investor behaviours during volatile periods, including the temptation to make emotional decisions, and shares real examples of how reacting to market movements can sometimes lead to unintended outcomes. They also explain concepts such as diversification, risk tolerance, and the difference between trying to time the market versus remaining invested over time.

As always, the focus is on keeping things clear, practical and easy to understand, helping listeners feel more informed and confident when navigating the ups and downs of investing.

Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.

In this episode, Kieran and Martin discuss the proposed changes to inheritance tax on pensions and what they could mean for individuals and families planning for the future. They break down how pensions have traditionally been used as a tax-efficient way to pass on wealth, and why these changes could have a significant impact on estate planning going forward.

The conversation explores who may be affected, common misconceptions around pensions and inheritance tax, and some of the practical considerations people may want to think about when reviewing their financial plans.

As always, the focus is on keeping things clear, practical and easy to understand, helping listeners cut through the headlines and better understand the bigger picture around long-term planning.

In this episode, Kieran and Martin break down one of the most common financial goals - building a £1 million pension pot. They explain why it’s not a one-size-fits-all target, and why understanding your current position, earnings potential and retirement timeline is key.Using real-life style case studies, they highlight the impact of investment growth, inflation, and consistent contributions over time. They also discuss common mistakes, including being invested in the wrong funds for too long, and the importance of regularly reviewing your plan.The episode provides practical tips on how to boost your pension, from maximising employer contributions to making small mindset changes that can have a big long-term impact.

In this episode, Kieran, Martin and Emma share real (anonymised) client stories that showcase the real impact of financial planning. They discuss challenging client situations, difficult retirement conversations, and how advice can help people navigate uncertain or complex financial decisions.They also explore why flexibility is key to any financial plan, share some of their favourite retirement success stories, and talk honestly about what happens when clients don’t follow advice. The episode finishes with their thoughts on what makes a strong, successful client relationship.

Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.

In this episode, Kieran and Martin take a clear, no‑nonsense look at the Autumn 2025 Budget and what the key changes could mean for people planning their financial futures. They talk about the headlines around tax‑free cash, before breaking down the main updates across personal taxes, pensions and business owners in a straightforward, practical way. They also explain why understanding the Budget matters, but why it shouldn’t distract from long‑term planning or stop people from making confident decisions about their future. It’s a simple, balanced conversation designed to cut through the noise.Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.

In this episode, Kieran, Martin and Emma break down what it really means to be a client of Welsh & Taylor Wealth. We discuss the types of clients we typically work with, why they come to us, and how our independent approach allows us to build strategies tailored to real people - not products. We talk openly about our fees, our investment proposition, and why we focus on long-term relationships rather than transactional advice. Most importantly, we explain why we want clients involved in their planning, and how working together leads to better outcomes.Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.

In this episode, Kieran, Martin and Emma continue sharing our story by exploring the process of going independent. We discuss the steps involved, the hurdles we faced along the way, and the lessons we learned while building Welsh & Taylor Wealth as a directly authorised firm. It’s an honest look at the challenges behind the scenes and what it really takes to make the move.

Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.