The Finance Geeks Podcast

Leap into this retro platformer–inspired episode with Warren Shute and Paul Cleworth as your pixelated protagonists. Starting in the “Solo Start” world, you dash across blocks labelled “Capacity Limits” and collect “Client Coins". Discover why a single character can't conquer every level alone and learn to spot the flashing “Power-Up” icons—signals it's time to recruit allies and build a party strong enough for the next stages. As you warp pipe into the “Foundation Fortress,” our hosts guide you through building sturdy platforms: “Process Scrolls” for CRM, “Fact-Find Feathers". Bounce on question-mark blocks to uncover hidden “Tech Toolkit” power-ups, ensuring your workflow doesn't collapse under the weight of “Workflow Gaps” and each extra life brings you closer to a stable practice. By the final warp pipe, you'll have gathered all the power-ups needed to transform from a lone planner into the ruler of your own financial practice kingdom. ========================== Chapters: 0:00 - Intro 6:00 - How to Level Up from a Solo Planner to a Financial Planning Practice ========================== Show Notes: How I Got to a Million Pounds in Revenue - PFS Power https://pfspower.org/webinars/how-i-got-to-a-million-pounds-in-revenue/ New software - FinCalc https://www.fincalc.co.uk/ Making a Will - all you need to know | Age UK https://www.ageuk.org.uk/information-advice/money-legal/legal-issues/making-a-will/ Self Assessment tax returns: Overview - GOV.UK https://www.gov.uk/self-assessment-tax-returns How to fill in a Self Assessment tax return | MoneyHelper https://www.moneyhelper.org.uk/en/work/self-employment/how-to-fill-in-a-self-assessment-tax-return Prestwood Truth Software https://www.truthsoftware.co.uk/truth-about-money/ ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks Leave us a 5 star review: https://podcasts.apple.com/gb/podcast/the-finance-geeks-podcast/id1730764561 https://open.spotify.com/show/7Lr2aFmlJeqvFFkbefqk3P ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ==========================

In this episode of The Finance Geeks, Paul Cleworth and Warren Shute survey the seismic fault lines that can undermine even the most seasoned advisory practices. They uncover the top ten mistakes—such as assumptions that skip proper discovery, communication cracks that widen client doubts, and the tremors caused by overpromising outcomes—that can destabilise your planning from the ground up. Whether you're laying the foundations for a new practice or retrofitting an established firm, this episode provides a blueprint for building a truly quake-resistant advisory service. Tune in to discover how to shore up your processes, secure your clients' trust, and ensure your financial planning stands firm through market shifts and unexpected jolts. ========================== Chapters: 0:00 - Intro 3:35 - Top 10 Mistakes to Avoid as a Financial Planner ========================== Show Notes: Klydoclock | Whatever Makes You Tick https://www.klydoclock.com/ The Kart Championship https://thekartchampionship.co.uk/ How to explain fees and investment performance https://pfspower.org/webinars/how-to-explain-fees-and-investment-performance/ Prestwood Truth Software https://www.truthsoftware.co.uk/truth-about-money/ ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks Leave us a 5 star review: https://podcasts.apple.com/gb/podcast/the-finance-geeks-podcast/id1730764561 https://open.spotify.com/show/7Lr2aFmlJeqvFFkbefqk3P ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== #FinancialPlanning #HowToBeAFinancialPlanner #FinancialPlanningTips #WealthManagement #ClientCommunication #RiskManagement #BehavioralFinance #DiscoveryProcess #ScopeManagement #ClientTrust #ReviewBestPractices #ProcessOptimization #FinancialPlanners #FinancePodcast

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth roll out the measuring tape on retirement income planning—proving that the best strategies are tailored to fit, not pulled straight off the rack. They explore how personalised planning, shaped around an individual's goals, mindset, and spending habits, leads to a more comfortable financial future. From refining the classic 4% rule to cutting through the complexity of gilt yields, annuities, and long-term cash flow, they show how every element of a client's retirement plan needs to be carefully stitched together. They also highlight why life's richest returns come not just from wealth, but from well-made choices that support freedom and fulfilment. Because when it comes to retirement, it's not about following the standard pattern—it's about creating a plan that fits perfectly. ========================== Chapters: 0:00 - Intro 7:45 - One Size Doesn't Fit All: Crafting Your Income Plan in Retirement ========================== Show Notes: Mrs Doubtfire Musical | Official UK Site – Mrs Doubtfire The Musical https://mrsdoubtfiremusical.co.uk/ What's On: Featured - Royal Albert Hall https://www.royalalberthall.com/tickets Beyond The 4% Rule - Abraham Okusanya's book https://www.amazon.co.uk/Beyond-4-Rule-retirement-portfolios/dp/1985721643 Sustainable withdrawal rates in retirement: The importance of customization https://corporate.vanguard.com/content/dam/corp/research/pdf/sustainable_withdrawal_rates_in_retirement.pdf A guide to retirement withdrawal strategies | Vanguard https://investor.vanguard.com/investor-resources-education/article/retirement-withdrawal-strategies Show clients that, yes, they can spend more in retirement https://advisors.vanguard.com/insights/article/show-clients-that-yes-they-can-spend-more-in-retirement ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ==========================

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth explore the impact of Trump's tariffs on market volatility and the broader economic landscape. They unpack the difference between risk and volatility, highlighting why investors often confuse short-term market fluctuations with long-term financial danger. The conversation dives into how behavioural biases shape client perceptions, the importance of clear communication during periods of uncertainty, and strategies for helping clients stay focused on their long-term goals. Warren and Paul also discuss how experience and financial maturity influence investment decisions, and why a calm, consistent approach can make all the difference. Beyond the markets, they share insights into effective client management, the role of mindset in navigating uncertainty, and the value of structured onboarding in building a successful advisory practice. Whether you're advising clients or investing for yourself, this episode is packed with practical takeaways for staying steady when markets are anything but. ========================== Chapters: 0:00 - Intro 6:00 - Market Mayhem & The Tariff Effect ========================== Show Notes: Wilkinson winning drop goal 2003 https://www.youtube.com/watch?v=RT6QKVZ74J0 McIlroy's Moment | Rory McIlroy Captures His First Masters Win https://www.youtube.com/watch?v=IGB9uuetrzA The 2014 Ryder Cup Winning Moment https://www.youtube.com/watch?v=IS6x5L7TqOY A message to Tandem clients on Vimeo – PC video https://vimeo.com/1072556401 Trump's Tariffs: What They Mean For Your Money https://tandemfinancial.co.uk/tandem-thinking/trumps-tariffs-what-they-mean-for-your-money/ ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== #Trumptariffs #marketvolatility #investing #risk #financialadvice #clientcommunication #marketperception #economictrends #financialplanning #investmentstrategies #marketvolatility #clientperception #behavioralbiases #investmentstrategies #economicuncertainty #financialadvising #communication #investmentmindset #stockmarket #financialplanning #finance #investing #volatility #clientmanagement #financialadvice #marketbehavior #bonds #clientmeetings #financialplanning #wealthmanagement

Dust off your pixelated fedora and light your tax-saving torch—because in this epic 8-bit adventure, Warren Shute and Paul Cleworth set off on a quest to uncover the hidden treasures of Inheritance Tax planning.  From ancient gifting scrolls to the mystical artefacts of trusts and insurance, they navigate booby traps of complexity to help preserve your family fortune. With sharp wit and strategic know-how, they dodge the 40% boulder of HMRC and shine a torch on golden relics like Business Relief, Nil-Rate Band secrets, and the lost legend of Lifetime Gifting. Along the way, our geeky explorers decode cryptic strategies that can protect your legacy and turn tax trouble into triumph. Plug in, power up, and join The Finance Geeks as they explore the vault—because fortune doesn't just favour the bold... it favours the well-advised ========================== Chapters: 0:00 - Intro 5:19 - Inheritance Tax Planning Strategies ========================== Show Notes: Is it time to kill off Inheritance Tax? | The Association of Taxation Technicians https://www.att.org.uk/it-time-kill-inheritance-tax?utm_source=chatgpt.com What do Mystic Meg, HMRC and October 2024 have in common?—insights on Inheritance Tax and key statistics https://www.russell-cooke.co.uk/news-and-insights/news/what-do-mystic-meg-hmrc-and-october-2024-have-in-common-insights-on-inheritance-tax-and-key-statistics Inheritance Tax liabilities statistics - GOV.UK https://www.gov.uk/government/statistics/inheritance-tax-liabilities-statistics IHT400 rates and tables https://assets.publishing.service.gov.uk/media/67d850de4e1deef5a8c15ee7/IHT400-rates-and-tables.pdf Meditations (Book) https://amzn.eu/d/2rScX4c The soul of wealth (Book) https://amzn.eu/d/hTxOtkr Gifting plan Standard Life https://tandemfp.sharepoint.com/:b:/s/Tandem/ESYmn7SoB6hClTRyqijhjGEBWUkdZdXq4SNpBfYpDRlYKw?e=InxRJs Benefits of getting married - Benefits of Marriage https://tandemfp.sharepoint.com/:b:/s/Tandem/EWQ8qxbO0IVDrhBAyuOh5TcBxvvKuoR-xYLsv_JI-jMVtw?e=VoeEQM ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== #inheritancetax #IHTplanning #estateplanning #financialplanning #taxstrategies #legacyplanning #wealthtransfer #trustplanning #taxefficiency #familywealth #giftallowance #businessrelief #financialgeeks #taxadvice #retirementplanning #inheritanceplanning #IHTrelief #vaultoflegacy #8bitfinance #geekyfinance

Warren Shute and Paul Cleworth scrutinise every clue in this timely investigation of year-end tax planning. Like master sleuths hot on the scent, they bring to light strategies ranging from maximising ISA contributions and refining pension allocations to making the most of charitable donations. Each insight presented as a vital piece of evidence that can protect your financial well-being before the 5th of April tax deadline. The game is truly afoot: by the final deduction, this engaging discussion equips you with the know-how to ensure your year-end tax approach stands on solid ground, proving that cracking the case of year-end taxes need not be left to chance. ========================== Chapters: 0:00 - Intro 6:22 - Tax Year End Planning ========================== Show Notes: HMRC Tax Revenue Breakdown (2023-24) https://assets.publishing.service.gov.uk/media/66a8ebc349b9c0597fdb0784/HMRC_annual_report_and_accounts_2023_to_2024.pdf Projected Government Spending for 2024-25 (OBR Report) https://obr.uk/forecasts-in-depth/brief-guides-and-explainers/public-finances/ Budget Deficit (2024-25) Forecast (OBR) https://obr.uk/forecasts-in-depth/brief-guides-and-explainers/public-finances/ National Debt Figures (ONS Report, December 2024) https://www.ons.gov.uk/economy/governmentpublicsectorandtaxes/publicsectorfinance/bulletins/publicsectorfinances/december2024 The Calculator Site - £500pm for 20 years at 6%: https://www.thecalculatorsite.com/compound?a=0&p=6&pp=yearly&y=20&m=0&rd=500&rp=monthly&rt=deposit&rw=0&rwp=1m&rm=end&ci=monthly&cc=1&c=3&di=&wi= Tin Cup (great golf film!) https://www.imdb.com/title/tt0117918/ ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== #taxplanning #endofyearplanning #taxstrategy #financialplanning #pensionplanning #taxrelief #allowances #capitalgains #taxefficiency #retirementplanning #dividends #incometax #businessplanning #salarysacrifice #yearendtax #taxadvisor #wealthplanning #taxsavings #investmentplanning #financialwellness #taxdeductions #isaplanning #proactiveplanning #capitalallowances #taxcompliance #personalfinance #profitextraction #taxmanagement #cashflowplanning #taxdeadlines #financialfreedom

In this episode of The Finance Geeks, Paul Cleworth and Warren Shute set forth on a mission to unravel the art of securing retirement income. With a clear and methodical approach, they explore the fundamentals of retirement planning—delving into cash flow management, optimal withdrawal techniques, and tailored investment strategies that resonate with both financial planners and individuals alike. The discussion covers essential elements of pension strategy, from understanding tax advantages and contribution limits to mastering carry-forward calculations and the benefits of salary sacrifice. Paul and Warren break down these complex topics into practical insights, ensuring that every aspect of your retirement plan is both robust and adaptable to changing needs. Join this journey as they share actionable strategies and innovative approaches to build a resilient retirement income plan. Whether you're advising clients or planning your own future, this episode equips you with the knowledge and tools necessary to secure a confident financial outlook for your retirement. ========================== Chapters: 0:00 - Intro 6:30 - The Focal Point: Strategies and Insights in Securing Retirement Income ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== #retirementplanning #incomesecurity #financialadvice #cashflow #investmentstrategies #clientmanagement #withdrawalstrategies #financialindependence #retirementincome #personalfinance #withdrawalstrategies #retirementincome #cashflow #financialplanning #sequenceofreturnsrisk #pensionchanges #taximplications #clientcommunication #investmentstrategies #retirementplanning

Embark on a legendary journey into the realm of retirement planning with Warren and Paul in this epic episode of The Finance Geeks. In "The Golden Quest," our hosts reveal the ancient secrets behind building a secure and prosperous future. Discover how every element of your pension plan can be transformed into a treasure trove of financial freedom. With insights drawn from both time-honoured wisdom and modern strategy, Warren and Paul share the pros, cons, and challenges of various approaches, turning complex concepts into an engaging saga of preparation and possibility. Join this quest for golden years and unlock the secrets to a retirement that offers not only security but also the promise of a fulfilling, purpose-driven future. ========================== Chapters: 0:00 - Intro 5:26 - The Focal Point: Understanding retirement and the strategies we use to achieve financial freedom ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ==========================  

In this revealing episode of The Finance Geeks, the curtain is pulled back on the portfolio management control room. Warren and Paul kick off by exploring the meaning of portfolio management and why transparency is key in the world of investing. Each introduces his core investment philosophy—grounded in evidence-based decision-making and a focus on controlling costs, asset allocation, and risk. Next, the discussion dives into the nuts and bolts of the investment process and details each approach to portfolio construction. Warren and Paul break down how they balance equity, bonds, property, and commodities while incorporating factor investing to capture market premiums. Finally, the backbone of their strategies is revealed—the Investment Policy Statement (IPS). Learn how rigorous research and detailed documentation ensure a consistent, structured approach to managing portfolios. Tune in for an insider's look at how these financial planners invest, and see exactly what goes on behind the scenes to keep their strategies sharp and their performance on track. ========================== Chapters: 0:00 - Intro 8:46 - The Focal Point: How We Invest - Behind the Scenes of Portfolio Management ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast Reference Links: PC Gym Workout – Shoulders and Chest https://tandemfp.sharepoint.com/:b:/s/Tandem/Ee2-UAPYofVAtSsxfYwj-oMBaQyRYSH7kSOCTlQMFvFOzw?e=yrLebq Charlie Hodgson https://en.wikipedia.org/wiki/Charlie_Hodgson Airplane II: The Sequel https://www.imdb.com/title/tt0083530/ Airplane II: The Sequel Quotes https://www.imdb.com/title/tt0083530/quotes/ The Fat Duck Restaurant https://thefatduck.co.uk/ Tandem's Core Investment Philosophy https://tandemfinancial.co.uk/wp-content/uploads/2024/01/Tandem-Core-Investment-Philosophy-Jan-2024.pdf Dimensional Fund Advisors https://www.dimensional.com/ Vanguard https://www.vanguardinvestor.co.uk/ This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

In this high-speed episode of The Finance Geeks, Warren and Paul rev up your business efficiencies. Just like fine-tuning a race car for peak performance, they delve into essential methods to streamline your operations and eliminate inefficiencies. From streamlining processes and reducing task duplication to automating repetitive activities, discover how to optimize every aspect of your business engine for maximum productivity and speed. Join Warren and Paul as they provide actionable insights and strategic adjustments to keep your business running like a well-oiled machine. Whether you're looking to boost productivity, enhance team collaboration, or implement cutting-edge automation, this episode is your pit stop for achieving unparalleled business efficiency. Get ready to hit the gas and drive your business to new heights of success! ========================== Chapters: 0:00 - Intro 4:17 - How to run a super-efficient business ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Reference Links: 18 Ways to be super efficient https://tandemfp.sharepoint.com/:b:/s/Tandem/ES-mGxJ8HWpLjEeV5p5u1doB46pxl4u4qyshvFVLPSM2-Q?e=fr0AhL  

In this episode, Warren and Paul draw on client insights to show that robust financial and business planning is like the detailed charting of a sea voyage. Just as a seasoned captain plots a route with waypoints and contingency plans, you need to plot your business and financial objectives to steer clear of unwanted currents and navigate towards long-term success. Imagine your Management Information reviews, process audits, and updated documentation as your ship's rigging and instruments - each element finely tuned to keep your vessel steady. By regularly scheduling compliance checks and planning for team coverage (much like rotating your crew on watch duty during stormy weather), you're ensuring that your financial strategies and business operations are shipshape. Join The Finance Geeks as they hoist the sails, trim the rigging, and embark on a prosperous journey into the new year. ========================== Chapters: 0:00 - Intro 8:55 - The Focal Point: Business Planning - How to make 2025 a great year! ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast Reference Links: Creatine and Whey Protein: Should You Take Both? https://www.healthline.com/nutrition/creatine-vs-whey#muscle-gain Creatine vs. protein: Which is better, post-workout, and more https://www.medicalnewstoday.com/articles/creatine-vs-protein#benefits The 20 Ultimate Tips for How to Sleep Better | Sleep Foundation https://www.sleepfoundation.org/sleep-hygiene/healthy-sleep-tips Tim Berry (entrepreneur) - Wikipedia https://en.wikipedia.org/wiki/Tim_Berry_(entrepreneur)   This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. #BusinessPlanning #PlanForSuccess #StrategicPlanning #BizPlan2025 #ChartYourCourse #NauticalStrategy #SetSailForSuccess #BusinessBlueprint #PlanYourJourney #ChartingSuccess #AnchoredInPlanning #SteerYourBiz #SailingToSuccess #BusinessCompass #Navigating2025 #BusinessStrategy #VisionAndPlan #BizStrategy #MappingSuccess #CourseToSuccess #BusinessGoals #PlanYourFuture

This episode delves into the meticulous process of designing your personal and professional goals for the upcoming year. Discover how to draft a comprehensive blueprint that outlines your aspirations, sets actionable milestones, and builds a solid foundation for success. Whether you're aiming to advance your career, enhance your well-being, or embark on new personal endeavours, Warren and Paul provide the strategic insights and practical tools you need to construct a fulfilling and prosperous 2025. Start laying the groundwork for your best year yet with expert guidance from The Finance Geeks! ========================== Chapters: 0:00 - Intro 8:47 - The Focal Point: Planning 2025 - Making it your best year yet! ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast Reference Links: ibai.london - Restaurant https://ibai.london/ https://www.instagram.com/ibai_london/ Planning Your Adventure – Living Life To The Full https://planningyouradventure.co.uk/ Discovery Questions.pdf – Tandem's Discovery Questions. https://tandemfp.sharepoint.com/:b:/s/Tandem/EU6FbHihENFEpxTHDwY0K0cBdgVuJ6iU-62aTBWHuUcAeg?e=LzK7kS What Are Your Values? - Deciding What's Important in Life – What are values? https://www.mindtools.com/a5eygum/what-are-your-values What are Values? - Ethics Sage https://www.ethicssage.com/2018/08/what-are-values.html Virtue - Wikipedia https://en.wikipedia.org/wiki/Virtue   This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. #GoalSetting #AchieveYourGoals #SuccessPlanning #2025Goals #YearAhead #PersonalDevelopment #ProfessionalGrowth #CareerGoals #LifeGoals #FinanceGeeks #UKFinance #FinancialPlanning #Prosperous2025 #WealthBuilding #SelfImprovement #KnowYourOutcome #BlueprintForSuccess #MapYourGoals #StrategicPlanning #GoalBlueprint #PlanForSuccess

Warren Shute & Paul Cleworth highlight inspiring financial success stories from their clients. From conquering complex tax problems to building a secure retirement plan, they break down the strategies that helped turn financial chaos into clear, achievable wins. These stories aren't just numbers on a spreadsheet—they're real people hitting their goals, proving that with the right advice and a little geeky know-how, financial success is within reach. If you've ever wondered how good planning can transform lives, this episode has the answers. ========================== Chapters: 0:00 - Intro 12:12 - Real Life Financial Success Stories ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

Step into the ring with Paul and Warren as they grapple with the heavyweight challenge of retirement planning. In this episode, our financial tag team breaks down the moves you need to pin down your retirement strategy. From the early-game tactics of auto-enrolment and salary exchange to the high-flying maneuvers of carry forward contributions, they'll show you how to stay on the offense and avoid being counted out by tax inefficiencies. The Geeks put retirement income goals into a sleeper hold, asking the big question: “How much is enough?”. They also emphasize the importance of tag-teaming with your spouse to maximize retirement savings. ========================== Chapters: 0:00 - Intro 9:14 - Wresting Retirement Planning ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast References: Odyssey St Albans https://odysseypictures.co.uk/OdysseyPictures.dll/Home Standards of living stats https://www.retirementlivingstandards.org.uk/ Folio Society - Beautifully Illustrated Hardcover Books https://www.foliosociety.com/uk Ideal financial set up link https://tandemfp.sharepoint.com/:b:/s/Tandem/EbLD21U3O3xEljQoSxXzdqEBsA2kk1QQJ4BwTybwulXppQ?e=SWpvqq How much will you need in retirement https://www.moneyhelper.org.uk/content/dam/maps/en/pensions/moneyhelper-retirement-budgeting-leaflet.pdf ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. #FinancialRumble #RetirementSmackdown #RetirementPlanning #FinancialAdvisors #PensionStrategy #TaxEfficiency #WrestlingWithRetirement #FinancialPlanners #WealthManagement #ClientSuccess #FinancialFreedom #SmartInvesting #TaxStrategies #FinanceForAdvisors #TagTeamFinance #PlanForRetirement #AdvisorInsights #ProfessionalFinance #RetirementGoals #MoneyManagement #FinancialGeekery #thefinancegeeks

In this episode of The Finance Geeks, Paul Cleworth and Warren Shute dig into the aftermath of the UK's Autumn Budget, one of the biggest tax-raising budgets since 1993. With the government targeting £40 billion in taxes, they break down the key changes, including rises in employer National Insurance, adjustments to Capital Gains Tax, and a boost in the minimum wage. They highlight the government's 180-degree shift on tax policy, increasing taxes despite prior promises, and share insights on how these adjustments will impact businesses, investors, and homeowners alike. Paul and Warren share advice for proactive planning in response to these changes, guiding listeners on how to stay ahead in this evolving financial landscape and keep the financial scales tipped in their favour. ========================== Chapters: 0:00 - Intro 4:59 - The Budget Fallout ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast References: The Budget - Autumn Budget 2024 – HC 295 https://assets.publishing.service.gov.uk/media/672232d010b0d582ee8c4905/Autumn_Budget_2024__web_accessible_.pdf AUTUMN-STATEMENT – Tandem Budget Guide https://tandemfinancial.co.uk/wp-content/uploads/2024/10/AUTUMN-STATEMENT-24_spreads.pdf Chancellor Rachel Reeves admits she was 'wrong' to say higher taxes not needed during election | Sky News https://news.sky.com/story/chancellor-rachel-reeves-admits-she-was-wrong-to-say-higher-taxes-not-needed-during-election-13247364 Republicans win Senate majority | AP News https://apnews.com/live/senate-house-election-updates-11-5-2024 Autumn Budget 2024: Pensions to be subject to inheritance tax https://www.moneysavingexpert.com/news/2024/10/pensions-liable-inheritance-tax-2027/ Pensions face “double tax” due to inheritance tax change - what are your options? | MoneyWeek https://moneyweek.com/personal-finance/pensions/pensions-face-double-tax-due-to-inheritance-tax-change-options Laffer curve - Wikipedia https://en.wikipedia.org/wiki/Laffer_curve Autumn Budget 2024: what do the experts say about the major changes? | Unbiased https://www.unbiased.co.uk/news/personal-finance/autumn-budget-2024-what-do-the-experts-say-about-the-major-changes ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

In this episode of The Finance Geeks, Paul Cleworth and Warren Shute bring you on a journey through the unpredictable world of bull and bear markets. Just like wrangling powerful forces in the wild, navigating market shifts requires skill, patience, and a clear strategy. Paul and Warren dive into what makes a market “bullish” or “bearish” and explore why these cycles occur, emphasizing the importance of staying calm and focused even in turbulent times. They share insights on recent trends in major market indices, the dynamics of growth and value stocks, and why bull markets have historically lasted longer than bear markets. Whether you're an investing newcomer or a seasoned market watcher, Paul and Warren's expert perspectives will help you stay balanced and resilient through all of the market's twists and turns. ========================== Chapters: 0:00 - Intro 4:56 - The Focal Point: Bulls & Bears 37:53 - Quotes & Anecdotes ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

After a summer break full of travels and downtime, Paul and Warren are back with The Finance Geeks! In this episode, they get straight to business, tackling the upcoming UK Budget on October 30th. The Geeks discuss the potential tax changes on the horizon and how they could affect everything from pensions to capital gains. Whether it's Capital Gains Tax (CGT), Inheritance Tax (IHT), or possible tweaks to pensions, Paul and Warren offer their expert insights on what might be coming your way—and how a good adviser can help you save. Tune in to find out what's in store for your finances this autumn! ========================== Chapters: 0:00 - Intro 4:04 - The Focal Point: The Autumn Budget - What's Coming 31:49 - Quotes & Anecdotes ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

In this episode, financial experts Warren Shute and Paul Cleworth share their experiences and practical tips to help you equip your kids with the skills to navigate the financial ups and downs of life with confidence. Discover why financial literacy is a must-have superpower for your kids, and learn how to teach them to navigate the financial ups and downs like pros. Warren and Paul will share age-appropriate strategies and systems that make money management a fun and engaging part of growing up. From swinging into positive money habits to balancing on the financial seesaw, this episode is packed with practical tips and geeky insights. Learn how to use allowances as teaching tools and transform the sandbox of savings into a place of empowerment. Tune in and transform your child's financial playground into a space of confidence and future success. Get ready to geek out on money and help your kids conquer the financial playground with flying colours! ========================== Chapters: 0:00 - Intro 8:12 - The Focal Point: Raising Money Smart Kids 47:17 - Quotes & Anecdotes ========================== Podcast Reference Links: HyperJar | Free Money Management App & Card https://hyperjar.com/ Go Henry - Teaching Kids & Teens Money Skills For Life https://www.gohenry.com/uk/ Rooster money - NatWest Rooster Money | Kids' Prepaid Debit Card and Pocket Money App https://roostermoney.com/ Nimbl - Mastercard https://nimbl.com/ Morgan Housel - The best financial advice I know (what I want my kids to learn) https://open.spotify.com/episode/13uqPBWgAyT4VHRZEfMfXH?si=f6e8cdd7595143fd ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. #pocketmoney #kidsfinance #thefinancegeeks #moneymanagementforkids #moneysmartkids #teachingkidsfinance #youthfinancialeducation #youthfinance #kidsfinancetips  

This episode tackles the ultimate two-player challenge: Love and Money! We're delving into the pixelated world of couples' finances, guiding you through your financial journey together. We'll decode the secrets of managing your money together, dodge hidden traps of financial infidelity, and explore how different spending habits can affect your relationship and how to manage them. Level up your relationship with our essential strategies. This includes planning a romantic "financial date night" to discuss budgets and goals; establishing clear spending boundaries to avoid any surprises down the road; and learning how to manage your bank accounts together without causing financial strain on your relationship. Join us in this episode to learn how to turn your financial woes into a victory dance for your relationship! ========================== Chapters: 0:00 - Intro 7:29 - The Focal Point: Relationships & Money 42:14 - Quotes & Anecdotes ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. #CouplesFinance #MoneyTalksLoveListens #LoveAndMoney #DateNightIdeas #FinancialPlanning #CoupleFinancialPlanning #GrowingTogether #FinancialInfidelity #TheFinanceGeeks #FinancialEducation #FinancialSuccess

Join finance gurus Paul and Warren on a journey to financial nirvana! This episode tackles the essential question: what truly defines your financial wellbeing? The Finance Geeks unpack the key aspects that could help you to achieve financial peace of mind. They'll discuss the core pillars of what financial freedom means, from getting organized and budgeting effectively to managing debt, saving for the future, and building resilience. Learn how to cultivate the right financial mindset and unlock the door to financial wellness and a life of balanced abundance. ========================== Chapters: 0:00 - Intro 7:47 - The Focal Point: Financial Wellbeing 48:48 - Quotes & Anecdotes ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. #financialfreedom #financialwellbeing #financialwellness #financialnirvana #debtfreejourney #thefinancegeeks #warrenshute #paulcleworth

Saddle up, partners, for "The Showdown at the Retirement Corral". How do you wrangle in that perfect nest egg for your golden years? We'll be bustin' broncs of confusion surrounding property and pension investments. On one side of the corral, we've got the familiar ranch hand, Property. It's a tangible critter, offering that steady stream of rental income and the potential for growth over time. Now, mosey on over to the other side of the corral, where the Pension stands guard. This fella offers some mighty attractive tax benefits and employer contributions. Warren and Paul will be your trusty guides on this financial trail ride, providin' the information you need to make an informed decision and ride off into a happy retirement! ========================== Chapters: 0:00 - Intro 5:05 - The Focal Point: Property vs Pensions ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast References: Clarkson's Farm Season 3 https://www.amazon.co.uk/Clarksons-Farm-Season-3/dp/B0CWTYDKJ7 Duke of Edinburgh Awards https://www.dofe.org/ Property vs Pension - Frazer James https://frazerjames.co.uk/property-vs-pension/ Pension Or Property Which Is The Better Investment - Unbiased https://www.unbiased.co.uk/discover/pensions-retirement/starting-a-pension/pension-or-property-which-is-the-better-investment Property or pension — which is the better investment? TEBI (evidenceinvestor.com) https://www.evidenceinvestor.com/property-or-pension-which-is-the-better-investment/ Property or pension in retirement? Maybe blending is the answer (netwealth.com) https://www.netwealth.com/ourviews/property-or-pension-in-retirement-maybe-blending-is-the-answer/ Pension protection - Check your money is protected - FSCS https://www.fscs.org.uk/what-we-cover/pensions/ Tandem Talks: How are your monies protected on the platform? – Tandem Financial https://tandemfinancial.co.uk/tandem-talks/tandem-talks-how-are-your-monies-protected-on-the-platform/ The Age of Humans: Evolutionary Perspectives on the Anthropocene https://humanorigins.si.edu/research/age-humans-evolutionary-perspectives-anthropocene ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. #retirementplanning #propertyinvestinguk #investingstrategies #pensionplanning #financialfreedom #goldenyears #pensionposse #propertyprospectors #financiallasso #greatretirementshowdown #propertyorpension

In this episode of "The Finance Geeks," get ready to embark on an epic quest as Paul unveils his twelve golden rules of investing. Each rule is a powerful tool in your arsenal, meticulously honed to guide you through the treacherous dungeons of financial decision-making. But fear not, fellow adventurers, for no quest through the realm of The Finance Geeks is complete without the sage wisdom of Warren, who will be deciphering Paul's Nerdy Nuggets with his own unique insights. Join us as we delve into the depths of financial strategy, navigating through the twists and turns of investment success like seasoned adventurers in search of legendary loot. What secrets lie within Paul's twelve rules, and how many will gain the esteemed nod of Warren? Prepare your potions and sharpen your swords as we embark on this thrilling journey through the realm of investment geekery, and discover these fabled 12 golden rules. ---------------------------------------------------------- Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ---------------------------------------------------------- Podcast Reference Links: The Royal Albert Hall https://www.royalalberthall.com/tickets/events/2024/film-music-gala-3/ Miles Karting IG Account https://www.instagram.com/milesaheadmotorsport Who are Vanguard https://www.vanguard.co.uk/professional/about-vanguard How many Humans have ever lived? https://www.visualcapitalist.com/cp/how-many-humans-have-ever-lived/ Tandems 12 Golden Rules of Investing https://tandemfp.sharepoint.com/sites/Tandem/Documents/Forms/AllItems.aspx?id=%2Fsites%2FTandem%2FDocuments%2FTandem%20Team%20Folder%2FCreative%20Adviser%2F41%2E%20Podcast%20notes%2F12%20Golden%20Rules%2Epdf&parent=%2Fsites%2FTandem%2FDocuments%2FTandem%20Team%20Folder%2FCreative%20Adviser%2F41%2E%20Podcast%20notes&p=true&ga=1 4000 Weeks (book) by Oliver Burkman https://amzn.eu/d/gQIT8Ol ----------------------------------------------------- #goldenrules #goldenrulesforsuccess #investing101 #investingstrategies #investingeducation #thefinancegeeks #financialplanning #rulesofwealth #rulesofinvesting ----------------------------------------------------- This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

A financial heuristic is a mental shortcut you use to make financial decisions quickly and easily. These are also known as financial rules of thumb, and can guide your financial choices without requiring extensive analysis and avoiding information overload. In this episode of The Finance Geeks, we're putting these financial rules of thumb under the microscope. We'll explore popular rules like the 50/30/20 Rule (50% Needs, 30% wants, 20% invest), the Rule of 72 (calculating investment doubling time), the 100-minus-your-age asset allocation strategy and the Pareto Principle (80/20 Rule), plus many more, revealing their strengths and limitations. ========================== Chapters: 0:00 - Intro 8:33 - Hot Off The Press 18:40 - The Focal Point: Financial Rules of Thumb 44:07 - Two Pennies Worth 49:56 - Quotes & Anecdotes ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast Reference Links: Everything you need to know about St George https://www.english-heritage.org.uk/visit/inspire-me/everything-you-need-to-know-about-st-george-and-the-farleigh-hungerford-mural/ 9 things you didn't know about St George https://www.english-heritage.org.uk/visit/whats-on/st-georges-day/9-things-you-didnt-know-about-st-george/ Bitcoin Halving Event Of 2024: The Aftermat https://www.forbes.com/uk/advisor/investing/cryptocurrency/bitcoin-halving-event-2024/ Bitcoin Will Pass $250K, Central Banks Will Jump In Before Next Halving https://www.ibtimes.com/bitcoin-will-pass-250k-central-banks-will-jump-before-next-halving-bitwise-cio-3730541 Gold prices hit an all-time high https://www.cnbc.com/2024/04/01/gold-prices-hit-all-time-high-what-to-know-before-investing.html FTSE and why it is going up https://news.sky.com/story/ftse-100-record-highs-do-not-reflect-a-recovery-for-uk-plc-heres-why-13121695 The Rule of 72: Definition, Usefulness, and How to Use It https://www.investopedia.com/terms/r/ruleof72.asp Budget Planning Guide https://tandemfinancial.co.uk/wp-content/uploads/2022/05/Budget_Planning_Factsheet.pdf The 10/10/10 Rule For Tough Decisions https://www.fastcompany.com/3007613/10-10-10-rule-tough-decisions Handy Money Rules of Thumb https://www.nerdwallet.com/article/credit-cards/handy-money-rules-of-thumb-for-a-quick-financial-checkup Financial Rules of Thumb https://www.getrichslowly.org/financial-rules-of-thumb/ Pareto Principle (80:20 Rule) https://en.wikipedia.org/wiki/Pareto_principle The Obstacle is the Way (Book) https://tandemfinancial.co.uk/book-reviews/the-obstacle-is-the-way/ The Money Plan (Book) https://amzn.eu/d/6wwGjOe City Mapper (App) https://citymapper.com/?lang=en Red Eye (Film) https://www.itv.com/watch/red-eye/10a4437  

Feeling like you're constantly chasing more money? In this episode of The Finance Geeks, Warren and Paul crack the code to financial fulfilment! We delve into the "Enough" Enigma, revealing why clarity is key to achieving financial peace. Learn why knowing your desired lifestyle and values is crucial, and how Maslow's Hierarchy of Needs helps define your "enough." We'll explore the concept of lifestyle inflation and strategies to avoid the "keeping up with the Joneses" trap. Join us as we equip you with strategies to unlock financial fulfilment and build a life you truly love! ========================== Chapters: 0:00 - Intro 6:51 - Hot Off The Press 14:47 - The Focal Point: Exploring the concept of "enough" 38:50 - Two Pennies Worth 44:10 - Quotes & Anecdotes ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/financegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast Reference Links: Article on the Anxious generation https://www.afterbabel.com/p/its-time-to-free-the-anxious-generation Does winning the lottery ruin the lives of winners? https://www.forbes.com/sites/johnjennings/2023/08/29/debunking-the-myth-the-surprising-truth-about-lottery-winners-and-life-satisfaction/?sh=648c01436ccc Jonathan Haidt on Modern Wisdom Podcast number 766 https://open.spotify.com/episode/4JVyuByH1hq9rvB9Do6kF7?si=577bc8a74a324830 British UK ISA debacle https://citywire.com/new-model-adviser/news/complete-nonsense-uk-isa-risks-confusing-savers-with-complexity-aj-bell/a2439784 Future Value Calculator (website) https://www.calculatorsoup.com/calculators/financial/future-value-calculator.php Compound Interest Calculator (website) https://www.thecalculatorsite.com/finance/calculators/compoundinterestcalculator.php Oura Ring (gadget) https://ouraring.com/ Scoop (Film) https://www.netflix.com/gb/title/81600418 How Much is Enough? - Robert Skidelsky (book) https://amzn.eu/d/gdf87ww The Number - Lee Eisenberg (book) https://amzn.eu/d/78tM6Bn Die with Zero - Bill Perkins (book) https://amzn.eu/d/a9w0EZS The Beautiful Game (film) https://youtu.be/pXWgl7pOpMM?si=GrPxCBFuMjyb6A0i After Bable (Website) https://www.afterbabel.com/  

Does life sometimes feel like a rogue asteroid hurtling towards your financial well-being? Don't panic! This episode equips you with the tools to build a Financial Force Field, deflecting the unexpected financial blows that can send your budget into a black hole. We explore the importance of an emergency fund. Think of it as your personal starship's warp core reserve. We'll also blast off into the world of Income Protection. This isn't just your average illness and injury insurance, it's your financial deflector shield against lost income. Whether you're battling a surprise space slug infestation (illness) or a malfunctioning replicator (disability), Income Protection ensures a steady stream of income to keep your financial starship afloat. ===================== Chapters: 0:00 - Intro 4:03 - Hot off the press 10:47 - The focal point: Planning for the unknown  (Emergency Cash, Income Protection and PMI) 39:20 - Two Pennies Worth 43:38 - Quotes & Anecdotes ===================== Follow us our our social media channels:  Instagram: https://www.instagram.com/financegeekspodcast/   X: https://twitter.com/TheFinanceGeeks   YouTube: https://www.youtube.com/@thefinancegeeks ===================== Podcast Reference Links:  ADX Karting at Rye House  https://www.adxkarting.com/ ONS CPI data https://www.ons.gov.uk/economy/inflationandpriceindices S&P reaching new highs https://www.investing.com/indices/us-spx-500 S&P vs Dow vs Nasdaq https://www.investopedia.com/nasdaq-vs-sp500-vs-dow-5213252 Daniel Kahneman https://en.wikipedia.org/wiki/Daniel_Kahneman What is Income Protection? https://www.moneyhelper.org.uk/en/everyday-money/insurance/what-is-income-protection-insurance The Top 10 Private Medical Insurance (PMI) Providers in the UK https://www.thanksben.com/blog/who-are-the-top-10-private-medical-providers-in-the-uk Statutory Sick Pay (SSP) Overview https://www.gov.uk/statutory-sick-pay  Most commons reasons for PHI claim https://www.lv.com/income-protection/faq/what-are-the-most-common-types-of-claim-you-pay Cancer statistics https://www.macmillan.org.uk/about-us/what-we-do/research/cancer-statistics-fact-sheet  Difference between illness and injury insurance and proper income protection https://www.legalandgeneral.com/insurance/income-protection-insurance/ Reassured Q&A and stats on income protection plus calculator https://www.reassured.co.uk/income-protection/income-protection-claims/ How will your measure your life (Book) https://tandemfinancial.co.uk/book-reviews/how-will-you-measure-your-life-book-review/ Thinking Fast and Slow (Book) https://tandemfinancial.co.uk/book-reviews/thinking-fast-and-slow-by-daniel-kahneman-book-review/ Headway Book Summary(App) https://makeheadway.com/ Blinkist (Website) https://www.blinkist.com/en/home One Life (Film) https://www.imdb.com/title/tt13097932/ George Bernard Shaw Quote https://www.flickr.com/photos/tandemfinancial/23818046318/in/album-72157687946672833/ Quote about Wealth https://www.flickr.com/photos/tandemfinancial/37412928250/in/album-72157687946672833/ Thomas Fuller Quote https://quotefancy.com/quote/759580/Thomas-Fuller-Health-is-not-valued-till-sickness-comes

In the ever-present battle for financial dominance, a new challenger emerges! Forget the stock market swings and the endless ticker tape scrolls. Today's fight is against a familiar foe – the Taxman. But fear not, fellow investment geeks! Here at the Finance Geeks Podcast, we're arming you with the knowledge and strategies to become tax-efficient investing heroes. We'll delve into the intricacies of allowances, pensions, and investment accounts, showing you how to maximize your returns while minimizing your tax burden. ===================== Chapters: 0:00 - Intro 8:22 - Hot off the press 12:31 - The focal point: Risk – how to become a tax efficient investment geek! 43:18 - Two Pennies Worth 48:52 - Quotes & Anecdotes ===================== Follow us our our social media channels:  Instagram: https://www.instagram.com/financegeekspodcast/   X: https://twitter.com/TheFinanceGeeks   YouTube: https://www.youtube.com/@thefinancegeeks ===================== Podcast Reference Links: Spring Budget: Workers to pay less national insurance from April https://www.moneysavingexpert.com/news/2024/03/national-insurance-cut-spring-budget-2024/ Download the FULL Spring 2024 Budget https://www.gov.uk/government/publications/spring-budget-2024 UK ISA consultation - GOV.UK (www.gov.uk) https://www.gov.uk/government/consultations/uk-isa-consultation Taxation in the United Kingdom https://en.m.wikipedia.org/wiki/Taxation_in_the_United_Kingdom 21 Types of Tax we pay https://www.oneaccounting.co.uk/21-types-tax-we-pay-spurious-link-beatles/ Tax-efficient ways to save or invest https://www.moneyhelper.org.uk/en/savings/types-of-savings/isas-and-other-tax-efficient-ways-to-save-or-invest HMRC tax receipts and National Insurance contributions for the UK (annual bulletin) https://www.gov.uk/government/statistics/hmrc-tax-and-nics-receipts-for-the-uk/hmrc-tax-receipts-and-national-insurance-contributions-for-the-uk-new-annual-bulletin#:~:text=HMRC%20collected%20%C2%A3788.6%20billion,for%2056%25%20of%20annual%20receipts What is EIS, VCT or SEIS? https://www.mandg.com/wealth/adviser-services/tech-matters/investments-and-taxation/eis-vct-and-seis/eis-vct-seis Same as Ever – Book by Morgan Housel https://www.amazon.co.uk/Same-Ever-Timeless-Lessons-Opportunity/dp/1804090638 The tax poem — Adam Smith Institute https://www.adamsmith.org/blog/miscellaneous/the-tax-poem

Have you ever wondered what lurks behind the cryptic phrase "investment risk"? It might sound like a financial boogeyman, shrouded in mystery and ready to pounce on your hard-earned cash. But fear not, as today on The Finance Geeks, we're unmasking the mystery of investment risk. We will be putting on our metaphorical trench coats and magnifying glasses, delving into the different types of risk lurking in the investment world. We'll shed light on how these risks can impact your portfolio, but more importantly, we'll equip you with the knowledge to become a risk-savvy investor, not a risk-averse one. Join us as we unveil the true nature of investment risk, debunk the myths, and empower you to navigate the financial landscape with confidence. ===================== Chapters: 0:00 - Intro 5:25 - Hot off the press 13:16 - The focal point: Risk – What does risk mean to you? What are the main risks when investing? 45:04 - Two Pennies Worth 48:38 - Quotes & Anecdotes ===================== Podcast Reference Links:    UK Budget and rumours of NI Cut https://www.bbc.co.uk/news/business-68406450  Public Finances https://commonslibrary.parliament.uk/research-briefings/sn02812/ UK Govt Debt and deficit https://www.ons.gov.uk/economy/governmentpublicsectorandtaxes/publicspending/bulletins/ukgovernmentdebtanddeficitforeurostatmaast/september2023 UK National Debt  https://www.economicshelp.org/blog/334/uk-economy/uk-national-debt/ Bitcoin Price Climbs https://www.investing.com/news/cryptocurrency-news/bitcoin-rally-continues-price-climbs-above-60k-for-the-first-time-since-november-2021-432SI-3318744 SJP share price crash https://citywire.com/new-model-adviser/news/sjp-shares-crash-after-it-sets-aside-426m-for-advice-fee-refunds/a2437114  Inflation figures  https://www.economist.com/the-world-this-week/2024/02/15/business Berkshire Hathaway report  https://www.berkshirehathaway.com/  What is RISK?  https://en.wikipedia.org/wiki/Risk What is risk? Dictionary definition.  https://www.merriam-webster.com/dictionary/risk  Systemic vs Systematic risk  https://efinancemanagement.com/investment-decisions/systemic-vs-systematic-risk Unsystematic risk/ Idiosyncratic risk  https://www.investopedia.com/terms/u/unsystematicrisk.asp Risk vs Volatility  https://www.forbes.com/uk/advisor/investing/risk-vs-volatility-whats-the-difference/ 5 commons myths about investment risk  https://tandemfinancial.co.uk/tandem-thinking/investment-risk-5-common-myths-and-misconceptions/ Dashlane (App) https://www.dashlane.com/ HMRC App https://www.gov.uk/guidance/download-the-hmrc-app The Gentlemen (TV Series) https://www.netflix.com/gb/title/81437051 The Stranger https://www.netflix.com/gb/title/81001209  Dumb Money https://www.amazon.co.uk/Dumb-Money-Paul-Dano/dp/B0CLVTHKMM  Mark Zuckerberg quote on risk  https://twitter.com/HRquote/status/907109359133630465/photo/1 Warren Buffet quote on risk  https://www.azquotes.com/quotes/topics/risk-management.html Maharishi quote  https://thomknoles.com/podcast/knowledge-structured-consciousness/ Warren Buffett quotes  https://www.investopedia.com/financial-edge/0511/the-top-17-investing-quotes-of-all-time.aspx   

Calling all financial adventurers! Get ready to slay the debt dragon and conquer your financial fortress with Paul Cleworth and Warren Shute. Join us on this epic quest to master the art of saving and avoiding the traps of impulsive spending. We'll uncover the secret formula for success (no magic potions needed!), exploring the legendary 50/30/20 rule and the hidden treasures of Compound Interest. ===================== Chapters: 0:00 - Intro 9:09 - Hot off the press 16:40 - The focal point: How much could you save? budgeting, cashflow and getting the balance right 59:46 - Two Pennies Worth 1:10:46 - Quotes & Anecdotes ===================== Podcast Reference Links:  Uk Fell into recession https://www.bbc.co.uk/news/live/business-68297420 Red Sea Crisis https://www.bbc.co.uk/news/uk-england-hampshire-68294622 Steve Wright https://www.bbc.co.uk/news/entertainment-arts-68292724 Finance Act 2023 https://www.legislation.gov.uk/ukpga/2023/1 Budget March 2024 https://www.bbc.co.uk/news/uk-politics-68159003 The Calculator Site https://www.thecalculatorsite.com/finance/calculators/compoundinterestcalculator.php Budget Planning PDF https://tandemfinancial.co.uk/wp-content/uploads/2022/05/Budget_Planning_Factsheet.pdf EOY Tax Guide https://www.dropbox.com/scl/fi/vbf2cirq8aj42kibe65j2/Tandem-Tax-Guide-2024_01.pdf?rlkey=hqu88aw7tjl607lfhv7d12v6y&dl=0 Use this Spreadsheet for cashflow and BTLs https://tandemfinancial.co.uk/wp-content/uploads/2022/05/CashFlow__BTL_Spreadsheet.xlsx Pay Yourself First! https://www.investopedia.com/terms/p/payyourselffirst.asp Article on Time, Money and Health. https://tandemfinancial.co.uk/tandem-thinking/time-money-and-health-achieving-balance-at-each-life-stage/ Article on Investment Risk, Myths and misconceptions. Differences between Saving and Investing. https://tandemfinancial.co.uk/tandem-thinking/investment-risk-5-common-myths-and-misconceptions/ The 50/30/20 Budget Rule https://www.investopedia.com/ask/answers/022916/what-502030-budget-rule.asp Park Run https://www.parkrun.org.uk/ Josh & Gabby Butten https://www.boosst.financial/ Brett Davidson https://fpadvance.com/ The Money Plan (Book) https://www.amazon.co.uk/Money-Plan-Warren-Shute/ The Number (Book) https://amzn.eu/d/eSlu3V7 Die With Zero (Book) https://amzn.eu/d/eSlu3V7 Lumi Light (Gadget) https://amzn.eu/d/gMttENn Lumi Alarm (Gadget) https://amzn.eu/d/9lJXqvN Build Your Stax (App) https://buildyourstax.com/ Blackberry (Film) https://www.blackberrymovie.com/ Feel Good Productivity (Audiobook) https://amzn.eu/d/hvdyNuc Ali Abdaal's website https://www.feelgoodproductivity.com/ Curve (App) https://curve.com/en-gb/how-it-works  

In this episode, the Geeks ditch the spreadsheets and dive into the ultimate investment - happiness (with dividends that reach every corner of your life). Discover the secrets to unlocking happiness that's bigger, brighter, and more fulfilling than any fleeting financial gain. So, let's get happy and let's show the world that true happiness is built on more than just numbers – it's built on a foundation of laughter, love, and living life to the fullest!   ===================== Chapters: 0:00 - Intro 1:43 - what have you been up to? 7:13 - Hot off the press 14:52 - The focal point: Secrets to a Happy Life 45:52 - Two Pennies Worth 56:43 - Quotes & Anecdotes ===================== Podcast Reference Links: Medical Wellness Checking (website) https://www.medichecks.com/ Bank of England holds interest rates at 5.25% https://www.bbc.co.uk/news/live/business-68164004 What are UK interest rates and when will they fall? https://www.bbc.co.uk/news/business-57764601 Key financial dates for 2024 https://www.thetimes.co.uk/money-mentor/income-budgeting/key-financial-dates-to-look-out-for-in-2024 This will be the biggest tax-raising parliament on record https://ifs.org.uk/articles/will-be-biggest-tax-raising-parliament-record#:~:text=At%20the%20time%20of%20the,in%20the%20post%2Dwar%20period. Total public sector net debt in the United Kingdom from 2000/01 to 2028/29 https://www.statista.com/statistics/282647/government-debt-uk/ Public Finances: Key Economic Indicators https://commonslibrary.parliament.uk/research-briefings/sn02812/ How Much of Your Happiness Is Under Your Control https://greatergood.berkeley.edu/article/item/how_much_of_your_happiness_is_under_your_control What does science have to do with happiness? https://www.betterhelp.com/advice/psychologists/sonja-lyubomirsky-what-does-science-have-to-do-with-happiness/ Griselda (Netflx Series) https://www.netflix.com/gb/title/81133447 Blackberry (Film) https://www.imdb.com/title/tt21867434/ Elon Musk by Walter Isaacson (Book) https://www.amazon.co.uk/Elon-Musk-Walter-Isaacson/dp/1398527491 Sit-Stand Desktop Workstation https://www.dell.com/en-uk/shop/ergotron-workfit-tl-sit-stand-desktop-workstation-black-with-grey-surface/apd/a8638607/monitors-monitor-accessories Countdown (App) https://apps.apple.com/us/app/countdown/id1403367428 Albert Schweitzer quote on happiness: https://www.flickr.com/photos/tandemfinancial/37412929710/in/album-72157687946672833/ This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

In this episode, the geeks share their personal and professional goals for the year, offering insights you can apply to your own financial journey. Join The Finance Geeks as we unleash our inner financial nerd and crush 2024 like the fiscally responsible rockstars we are. ===================== Podcast Reference Links: UK House Price Index https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/housepriceindex/november2023 When will we get back to low inflation https://www.bankofengland.co.uk/explainers/will-inflation-in-the-uk-keep-rising Rising cost of living in the UK https://commonslibrary.parliament.uk/research-briefings/cbp-9428/ Inflation and Price indices https://www.ons.gov.uk/economy/inflationandpriceindices RPI versus CPI https://www.thetimes.co.uk/money-mentor/income-budgeting/how-to-budget/rpi-versus-cpi Triple Lock State Pension future changes https://commonslibrary.parliament.uk/the-triple-lock-how-will-state-pensions-be-uprated-in-future/ Transcendental Meditation https://uk.tm.org/ HUM Premium Newsletter for Financial Planners (Andy Hart) https://www.humansundermanagement.com/ Family Location App (App) https://www.life360.com/uk/ Birthday App  (App) https://apps.apple.com/gb/app/birthday-reminder-countdown/id1453656360 How to Think About Money (Book) https://tandemfinancial.co.uk/book-reviews/how-to-think-about-money-book-review/ and https://amzn.eu/d/daorWPN Get Things Done - David Allen (Book) https://amzn.eu/d/cKeNgSF Get More Referrals Now (Book) https://amzn.eu/d/3GAdcJM Think and Grow Rich (Book) https://amzn.eu/d/7uR2ONi The Dawn Wall (Film) https://www.imdb.com/title/tt7286916/ Quotes https://www.flickr.com/photos/tandemfinancial/albums/72157687946672833/   ===================== Disclaimer: This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.