Women & Money Cafe

We're busy planning our next batch of episodes for you. So do let us know if you have any requests.In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes. This week it's one of our very early episodes, 21. I've got £10k what should I do with it.The great thing about this show was that the principles we apply work whatever sum of money you have. If £1,000 has just landed in your bank account you weren't expecting, or if it's £100,000. Have a listen for the steps we suggest you follow.One thing to note, this was originally recorded back in 2022. Back then interest rates were a lot lower than they are today in 2024. So it is definitely worth shopping around for bank interest rates. I'm going to caveat that though, the purpose of money held in the bank is not to make money, the main purpose is that it's money you can get your hands on quickly with no risk of value going up and down.Support the Show.✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

We're busy planning our next batch of episodes for you. So do let us know if you have any requests.In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes. It's Julie's turn this week and her favourite was 51. The Secrets of Financial Coaching. This episode is packed full of tips on how to understand your behaviour around money. And more importantly, how you can change any of those behaviours that don't serve you as well as you would like.Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

We're busy planning our next batch of episodes for you. So do let us know if you have any requests.In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes. It's Michelle up this week, and her favourite was 67. Beating Lifestyle Inflation.We look into what and how we end up with lifestyle creep. And more importantly, how to beat it!Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

We've been getting a lot of messages to the WMC HQ about pensions. So we thought it would be timely to revisit episode 53, where Julie, Michelle and Sara walked you through what your next steps are.Some of the things we cover:How to find a financial adviserWhat happens in the first meetingWhat to bring with you to the meetingWhat we're looking at in the paperworkHow we will explain your pensions to youWhat happens at the end of the meetingResources:Pension WisePension Tracing ServiceVouchedForUnbiasedSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

Get ready to level up your career game in this episode of Women & Money Cafe, as we dive into the nitty-gritty of job offers and benefits. From company culture to pension plans, no stone is left unturned! Here's what you can expect:- Michelle's advice on gauging company culture and work-life balance- Emily's insights on aligning personal and company values and considering sustainable initiatives- Julie's discussion on company policies, unique benefits, and work-life balance- Tips on evaluating job offers' impact on personal life and envisioning career aspirations- The significance of team dynamics and professional development opportunities- Important considerations like promised benefits in writing, long-term career goals, and thorough analysis of offer details.- The lowdown on financial aspects, including pensions, bonuses, holidays, private medical insurance, and more- The crucial role of mental health support and additional benefits like counseling programs- Real-life examples and experiences, from pension pitfalls to negotiating for better benefits- Key resources mentioned throughout the episode for further research and guidanceWebsites mentioned:- B Corporation (https://bcorporation.net/)- Glassdoor (https://www.glassdoor.com/)YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | FacebookSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

Prepare for a dive into a rapid-fire checklist for the end of the tax year. Get ready for crucial tax-saving tips and insights that will set you on a path to financial empowerment.Areas covered:- ISA Allowance: Understanding the current £20,000 allowance and making the most of it for tax-free growth and earnings.- Capital Gains Tax Allowance: Exploring the shrinking annual allowance and strategies to capitalise on it before it drops to £3,000.- Pensions: Unveiling the tax efficiency of pensions, contribution limits, and the benefits of using the pension wrapper.- Child Benefit: Clever tactics involving pensions, salary sacrifice, and charitable giving to retain child benefit entitlement.- Inheritance Tax: Uncovering the power of the annual £3,000 gift exemption and its cumulative impact on estate planning.- HMRC website: Find a downloadable form for keeping track of your gifts for inheritance tax planning.  Your Hosts:Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | FacebookSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this episode , the hosts, including returning founder member Tamsin Caine, explore the challenges and opportunities of managing finances as a single woman, particularly after a divorce or widowhood. They discuss the emotional and practical aspects of taking full control of finances, from setting up emergency funds to investing for the future. With a focus on empowerment, the episode covers the importance of building a support system, and the  benefits of financial planning for single individuals and the importance of having a 'money wife' for support and accountability.GUEST EXPERT: TAMSIN CAINE is a Chartered Financial Planner and Resolution Accredited Divorce Finance Specialist (one of only 35 in the country). She hosts the Smart Divorce podcast, has cowritten a book Your Divorce Handbook It's What You Do Next That Counts and has appeared in the national press commenting on financial issues in divorce. She is a single mum to Charlie and Zoe and is a huge rugby fan, currently managing the men's team Sale FC Vikings.Follow Tamsin on Instagram | Facebook and check out her podcast 00:48 Navigating Finances Solo: Insights from a Divorce Expert02:10 The Emotional and Practical Challenges of Managing Money Alone07:17 Gaining Confidence and Knowledge in Financial Independence10:47 The Divorce Process: A Path to Financial Literacy23:18 Financial Resilience and Protection for Single Women26:06 The Value of Income Protection28:21 Building Financial Resilience: Emergency Funds36:00 The Importance of a Financial Support System38:18 Navigating Financial Planning as a Single Parent95 - Income Protection28 - Emergency FundsYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

After the success of episode 70 (Atomic Habits for Money) we thought we should revisit  actionable strategies for managing and reducing spending, highlighting the power of small changes in achieving big financial goals. Here are some key takeaways from the episode:- Reviewing Amazon orders and subscriptions to cut unnecessary expenses- Cancelling unused subscriptions and keeping track of family shared expenses- Celebrating financial wins by allocating a small amount for treats or charitable donations- Breaking big financial goals into small, achievable habits- Creating a money calendar to keep track of financial commitments and important dates- Using cashback sites and comparison websites like QuickCo to save costs- Monitoring automated saving pots and using apps for various saving purposes- Using Credit Karma to check credit score and receive notifications for any changes- Changing environment to prevent impulsive spending- Incorporating color and creativity into daily routine for better financial managementYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | FacebookSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

We have a super cool episode for you in this one with hypnotherapist Katie Crooks. She brings a wealth of insights on overcoming self-sabotage and imposter syndrome, empowering listeners to tap into their true potential.Stay tuned to the end when Katie blows our mind with the significance of the word "try" and why Julie is determined to eliminate it from her vocabulary. What Katie is reading: A New Earth - Eskhart Tolle and Secrets of a Millionaire Mindset - T Harv EkerSPECIAL GUEST: KATIE CROOKS is a multi-talented singer, performer, and voice coach with over 20 years of experience. She has transitioned into hypnotherapy to help artists overcome the limitations and blockages in their vocal performances. Follow Katie on Instagram YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Improving DailyI want to help people with their personal growth by sharing life lessons from my lifeListen on: Apple Podcasts SpotifySupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

JOSIE COX  asks why money is still so gendered! Why progress towards closing the gender pay gap has been so elusive over the past few decades. Why we're still failing to have good, inclusive conversations about gender inequality. Josie is a journalist who has worked on staff for Reuters, the Wall Street journal, and The Independent and as a freelancer for the Guardian, The Washington Post, Fortune, Forbes, the BBC and a host of other outlets. She was a 2020/2021 Knight-Bagehot Fellow at Columbia Journalism School. She has an MBA from Columbia Business School and is also an associate instructor within the Strategic Communications program at Columbia's School of Professional Studies. She lives in New York City.Follow Josie: Instagram | LinkedIn | Substack | Twitter00:44 Josie Cox's Background and Career Journey02:53 The Gendered Nature of Money05:34 The Impact of Motherhood on Career06:48 The Inequality Problem in America08:35 The Gender Pay Gap and Its Implications11:48 The Importance of Communication and Empathy19:45 The Role of Women in the Unpaid Labor Market40:30 The Struggle for Female Economic EmpowermentYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to supporImproving DailyI want to help people with their personal growth by sharing life lessons from my lifeListen on: Apple Podcasts SpotifySupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this episode  Julie, Michelle, and Emily engage in a spirited debate on the age-old question: Should you overpay your mortgage or put money into a pension? This showdown delves into the financial implications and personal preferences that go into making this crucial decision, leaving listeners with insightful perspectives to shape their own financial strategies.- Decision-making considerations: Interest rates, investment returns, tax effects, and age- Benefits of pension contributions: Tax relief, compounding growth, and access to funds- Drawbacks of mortgage overpayment: Interest rates, lack of liquidity, and tax implications- Split investment strategy: Allocating funds to both mortgage and pension for a balanced approach- Lump sum decision: Factors influencing whether to invest in the mortgage or a pensionResources:Will overpaying my mortgage or pension make me richer? (ii.co.uk)MSE overpayment calculator YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been inImproving DailyI want to help people with their personal growth by sharing life lessons from my lifeListen on: Apple Podcasts SpotifySupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

We discuss the age-old dilemma of whether to overpay your mortgage or not. - Debt management: Understanding the importance of addressing other debts before focusing on your mortgage.- Establishing an emergency fund: The significance of having a financial cushion for unexpected expenses.- Mortgage provider policies: Exploring the limitations and potential penalties for overpaying your mortgage.- Calculating the interest rate differentials: Michelle walks through the math behind comparing mortgage interest rates and savings rates to determine the most effective use of your money.- Setting up overpayments: Practical tips on setting up regular overpayments and the benefits of automation.- Offset mortgages: Michelle explains the nuances of offset mortgages and the considerations when deciding on overpayments.Resources:- Debt Payoff Calculator- Sprive app- MSE websiteYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | FacebookSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this  episode  we discuss the 5 most common financial mistakes women tend to make. They indicate that often, women are not involved in long-term financial decisions or they fail to invest money in their own names. They also mention pitfalls like investing in high-risk schemes without a proper understanding of the risks involved, striving for financial perfectionism leading to inaction, and losing sight of the long-term financial goals. 42 - DIY a Financial Plan45 - Start your first Stocks & Shares ISA79 - How to start a pension81 - How much risk should you takeYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | FacebookSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

The episode discusses the changes in money habits as people age. They discuss how attitudes towards money can remain constant through life but can become more extreme or display in different ways with age. They also notice a sort of cycle where people in their 50s are highly focused on planning for retirement. Upon reaching the 60s, the strict and mindful planning often takes a backseat as they start indulging more but this changes again as they reach the 70s and the realities of aging set in. By 80s, people tend to focus more on sharing and giving away their wealth. They emphasise the importance of understanding the context of aging loved ones when discussing money and the need for patience and intentionality when making financial decisions.01:18 Observations on Money Habits in Later Life03:37 The Impact of Age on Decision Making05:56 The Influence of Affluence on Money Habits06:39 Challenging the Notion of Changing Money Habits09:04 The Cycle of Money Habits Through Different Life Stages20:28 The Role of Money in Facilitating LifeRegrets of the DyingYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | FacebookSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this episode of the Women in Money Cafe, the hosts discuss their old beliefs about money and reveal how they've evolved their views. From thinking they were useless with money or that they didn't deserve it, to believing that wealth equates happiness, each shares their journey to understanding their relationship with money. They touch on the impact of upbringing, work pressures, societal influences such as social media on perceptions about money and address money-related guilt. They also reflect on how financial coaching has illuminated their misconceptions and helped them reshape their thoughts around money, emphasising that everyone's belief about money is unique to their personal experiences and circumstances.00:00 Introduction and Welcome00:11 Exploring Old Beliefs About Money00:52 Introducing the Co-Hosts01:33 Sara's Money Beliefs Transformation09:31 Emily's Perception of Money and Happiness16:48 Michelle's Journey to Self-Worth and Money28:04 Julie's Realization About Money and Importance33:26 Final Thoughts and Wrap UpYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | Facebook    Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this episode  Julie, Sara, Michelle, and Emily discuss their best financial decisions and how they've positively shaped their personal finance management. Michelle shares her successful strategy of organizing money into separate 'pots' for different purposes - from taxes to holidays, allowing her to have a clearer picture of her finances. Sarah discusses the importance of active communication and shared financial understanding in a relationship. Emily reflects on smartly splitting an inheritance into short-term, medium-term, and long-term investments. Lastly, Julie chats about her '10 percent rule' for incrementally boosting her pension fund, thus securing her retirement. The episode encourages listeners to reflect on their own financial habits and think about how best to plan for the future.01:21 Michelle's Money Management Strategy12:36 Sara's Best Money Move: Communication24:41 Understanding the Bigger Picture in Financial Planning28:14 The Art of Financial Planning: A Personal Experience39:30 The Power of Incremental Increases in Pension ContributionsYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | Facebook   Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

We know from chatting to you that many of you have started investing since listening to the podcast. And we love that! But we also know that it will have been hard watching your investments this year and that you may be tempted to quit investing and move money to cash because of interest rates. This episode is for you if you are feeling disillusioned with investing.  The whole team is here for this episode to share with you what we are saying to our clients to help them right now.At the risk of sounding like an Instagram reel, follow the process

Nitika and Lis from Aila Money discuss the gender wealth gap and ways to address it. They discuss Aila Money's innovative approach to equipping women with financial tools and knowledge. This includes a beta version of their not-yet-an-app, which focuses on life goal planning, not just finance, and understanding individuals' needs and wants for their life. Also discussed are the shifting patterns of wealth management in relation to women, the importance of investing, and the influence of language in financial advice and understanding.01:58 The Importance of Financial Education for Women02:47 Interview with Liz and Nikita from Aila Money03:03 The Story Behind Aila Money07:16 The Role of Language in Financial Advice11:46 The Target Audience for Aila Money27:16 The Importance of InvestingGUEST EXPERTS: LIZ PRAGER & NITIKA VYAS met at university. Over their careers they've come to see how much financial advice people with money have access to and the fact that the money advice gap is increasing! They have joined forces to co-found Aila Money, a digital financial coaching solution that helps people get more comfortable and confident managing their money. Aila combines technology, psychology, human coaching and financial advice to help people achieve their money goals.Follow Aila Money:Instagram | LinkedIn |  Facebook | WebYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making. Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

On this episode of the Women in Money Cafe, guests Sara and Michelle talk about money M.O.T, a financial health check concept. They discuss tools such as HSBC's financial fitness test and Money to the Masses' money MOT tool. These tools can help listeners assess their financial health and provide insights on areas in need of improvement. They also discuss their personal strategies for saving money and encourage listeners not to feel overwhelmed when checking their finances, but instead take small steps to improve their financial situation.00:00 Introduction and Welcoming Guests00:21 Discussing the Concept of a Money M.O.T02:00 Exploring the HSBC Financial Fitness Test02:51 Discussing the Importance of Knowing Your Financial Numbers03:17 Sharing Personal Experiences with the HSBC Test10:00 Introducing the Money to the Masses Tool10:20 Sharing Personal Experiences with the Money to the Masses Tool15:40 Discussing the Importance of Emergency Funds21:15 Sharing Personal Money Management Strategies27:19 Final Thoughts and Closing RemarksMoney to the Masses MOT https://mot.moneytothemasses.com/HSBC Fitness Score https://financialfitness.hsbc.co.uk/YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

The team at Women in Money Cafe discuss their favourite films that involve money and the lessons that can be gleaned from them. Some films highlighted include 'The Big Short', which helps demystify the 2008 financial crisis; 'Rogue Trader', a true story that illustrates the importance of proper financial compliance; and 'Confessions of a Shopaholic', a lighter-heartened film portraying the drawbacks of overspending. They also analyse general themes like rags-to-riches narratives, use of money in films to induce certain emotions and the potential educational value of these films for children or those unfamiliar with complex financial constructs.00:00 Introduction 00:38 Introducing the Team and Their Favorite Money Movies01:34 Discussion on 'The Big Short'06:50 Insights on 'Rogue Trader'12:20 Exploring 'Confessions of a Shopaholic'16:55 Reflecting on Money Themes in Movies25:37 Recommendation of 'Margin Call' and Closing ThoughtsThe Films:Big Short - NetflixMargin Call - AmazonRogue Trader - YouTubeConfessions of a Shopaholic - DisneyUp - DisneyTrading Places - AmazonYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this episode we're joined by Susan, the Biking Building Barrister. We're cutting through the jargon and sharing loads of tips to protect your money and your home.Areas Covered:- Difference between a quote Vs estimate- How much if any deposit should you pay- Handling paying for materials- Finding reliable builders and tradespeople through trusted trader lists- Setting ground rules with builders and effective communicationGuest Expert: Susan Francombe, also known as the Biking Building Barrister, is an experienced professional in the construction industry for over 30 years. With a background as both an engineer and a lawyer, she has developed a deep understanding of the intricacies of the field. With her vast expertise, Susan strives to provide valuable insights and guidance to clients in these area5 Top legal tips for property renovation  | Trades without TraumaYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | FacebookSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

We've got such a cool episode for you this time! Listener Rachael joins us for this one to put her question to the panel: if you haven't got a business and your not sitting on hundreds of thousands of pounds, who do you go to for help understanding your pension, your Individual Savings Account, and for a general money MOT?Our answers covered a lot of ground on helping you find someone who will help you. From how to approach financial advisers, things to ask us, interpreting our websites (yeah, we know we're rubbish at this bit), to asking about fees.Websites mentioned:Money HelperRetirement Living Standards And check out episode 92 - Mapping your journey to retirement, where Julie & Michelle walk you through the maths of retirement planningYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | FacebookSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this episode  we are joined by guest Naomi Smith from Saltire Financial. With years of expertise in business protection, Naomi sheds light on the crucial steps women in business need to take to ensure their financial well-being. Here's what you can expect from this informative and empowering episode:Importance of business protection in safeguarding family members and employees during challenging timesUnderstanding private medical insurance and executive income protection for limited companiesExploring group private medical insurance options for directors and employeesOverview of relevant life insurance and executive income protectionSole traders vs. limited companies Exploring shareholder and loan protection for seamless business continuity in case of illness or death Key person cover and its role in mitigating financial impact caused by the absence of a key person in the businessUnderstanding director's loans and their implications in case of a deceased directorGUEST EXPERT: NAOMI SMITH has always felt a strong passion for business protection. Understanding the significance and potential benefits it provides, she became determined to spread awareness about its importance. Naomi observed that many people lacked knowledge about the meaning, purpose, and offerings of business protection. Instagram | LinkedIn | FacebookYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making. Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this episode of the Women & Money Cafe podcast, hosts Julie and Emily challenge conventional wisdom when it comes to spending money. They dive into the idea that you should only buy something when you have saved up for it, and explore the continuum of spending and saving. Here are some key points covered in the episode:- Julie and Emily share their personal experiences with spending money they don't have yet- Emily discusses her recent home office renovations and the dilemma she faced when deciding to make additional purchases for her business- They explore the concept of aligning spending with personal values and finding joy in certain purchases, like Julie's love for books- We also explore the idea of making conscious buying decisions and setting guidelines to avoid impulsive purchasesDiary of a CEOYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | FacebookSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

We've got Tanya joining us today to share a fab money mindset exercise. What to expect:

In this episode of the Women & Money Cafe podcast, hosts Michelle and Julie dive into the complex world of care home fees. Join them as they discuss key facts and strategies for managing the cost of care, including options for funding, negotiation techniques, and the potential benefits of annuities. Get expert advice on navigating the care system, as well as tips on working with financial professionals and understanding the thresholds for paying for care. Areas covered in this episode include:- Funding options for care, including self-funding and state benefits- The benefits and considerations of purchasing annuities for care funding- Negotiating care home fees and strategies for reducing costs- The importance of long-term financial planning and working with professionals- Understanding the thresholds for paying for care and fee increases- Exploring available state benefits, such as attendance allowanceYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | FacebookSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

We've got a feel good episode for you today. Inspired by Emily's story of helping a man having problems with his van.Want to learn more about the power of paying it forward? Check out these websites:1. Random Acts of Kindness Foundation - www.randomactsofkindness.org2. Kindness UK - https://kindnessuk.com thanks to Louise Talmage for this one3. Volunteer Match - www.volunteermatch.org4. Good news - thehappynewspaper.com shout out to Sarah Stephens for this bit of cheer5. Nominate someone who needs help - 52-lives.org thanks to Mel Abplanalp for this suggestion 6. The king of random acts of kindness courtesy of Mike Rothwell - Troy HawkeWe want to make kindness contagious. Have a listen and if you feel inspired to do something extra kind, we want to hear from you. Drop us an email at womenandmoneycafe@gmail.comYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this episode of Women & Money Cafe, Michelle and Julie dive into the topic of the state pension. You might have written the state pension off. Don't! It's a lot more valuable than you realise. We'll be breaking it down to help you understand its importance and how it fits into your retirement plan. No more confusion or uncertainty, just clear and valuable information.Topics Covered:- Overview of the state pension system before and after the April 2016 reforms- Accumulating National Insurance credits and qualifying years for a full state pension- Converting previous pension entitlements to the new state pension- The current state pension age and potential changes depending on your age- The significance of the state pension as a foundational element in retirement planning- Understanding the impact of inflation and the triple lock on state pension increases- How knowing your state pension entitlement helps in determining your retirement income- The value of National Insurance contributions in building future incomeResources:- Julie's guide to the state pension (if the link doesn't work drop me an email julie@breewealthandtax.co.uk)- State Pension Forecast: Log in screen for forecast- BR19: PDF to request state pension forecast by post- Government Gateway ID: Obtain your state pension details by logging into the Government Gateway portal. - National Insurance Contributions: Learn how your contributions play a vital role in securing your state pension.- Triple Lock Mechanism: Understand the benefits of the triple lock and its influence on state pension growth.YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSMichelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.   Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

To mark hitting the first 100 episodes of the podcast, we're pulling out the learning points from our favourite episodes. And a run down on what the most downloaded episodes have been.Emily was first up with how inheriting money can be a complex emotional challenge. Episode 50 was "I've inherited some money and I feel _____"Michelle  loved episode 36 - Pension Jargon. In the form of a badly scored quiz, we gave you a run down on all the bizarre words you'll find in pension land.My favourite? Episode 31 - Career & Money with Giselle Galper. I loved the wisdom Giselle shared, especially her final tip on how to respond to that question "how are you". A huge thank you from me and the WMC team for listening and we'd love to know what your favourites have been.YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making. Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | FacebookSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

We've got a takeover this week! One of our listeners had questions about passing on wealth to her children. So she's joined us for this episode which is expertly hosted by Emily!If you've got questions you would like us to answer, or fancy joining us for an episode, drop Julie an email (julie@breewealthandtax.co.uk) or message her on Instagram.Key areas covered:- Salary, dividends, and pensions in a limited company- Self-invested personal pensions (SIPPs) and commercial property- Nominating beneficiaries and tax implications of pension assets- Junior ISAs: benefits, limits, and investment options- Strategies for giving gifts to children and managing surplus income- Holding shares in public limited companies (PLCs) and potential structuresCan a company pay school fees?GUEST EXPERT: LINDSAY MCINNES is a high energy, international primary health care provider who has a passion for helping people to thrive in life. She decided she wanted to become a chiropractor when she was just 7 years old, after her health and her life drastically changed when she started getting adjusted.Instagram | FacebookYOUR HOSTEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

We're diving into the world of marketing with guest expert Karen Webber. In this episode, we challenge commonly held beliefs about marketing and explore the power of ethical practices, and how Karen loves breaking the rules and getting others to do it to. Here's what you can expect:What is ethical marketingShady practices that go onWhy some big businesses get it SOO wrongHow to show up as yourself - flash a bit of metaphorical ankleCheck out The Ethical Move and Lucy Werner's Hype Yourself Episode 90: F$$k PerfectionismGUEST EXPERT: KAREN WEBBER is a marketing coach and strategist. As the owner of Goodness Marketing, Karen helps small businesses with big hearts do marketing that feels good, does good and gets good results. Before starting Goodness Marketing in 2017, Karen worked as a marketing director for a marketing agency. Previously she worked in various editorial and comms roles in London, Manchester and her native South Africa.Fab Newsletter | Instagram | LinkedIn | Awesome Retreat | Do-CrewYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSSara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this episode Sara grills Julie on how she went from budgeting disaster to master of spending plans.They have a really frank discussion about what went wrong for Julie when she's tried budgeting in the past. Why as much as she loves apps, they just didn't work for her. She'd get disheartened and give up. Plus, like some of you, she thought what's the point? There's enough coming in to pay for everything. Do you really need a budget?Find out what changed and how she's now found a way to create a spending plan she can stick to.One to watch out for is the struggle of  categorising Amazon expenses and navigating the ever-changing landscape of digital purchasing.Ultimately, nailing monthly spending has left Julie spending her money on what truly matters to her and improving her overall well-being.

We have the protection legend and guru, Kathryn Knowles, with us for this episode talking income protection. In under an hour Kathryn is going to share everything you need to know about this really vital (but not talked about) part of the protection puzzle.Our favourite part? Kathryn's image of a cash machine in your front garden - which she is prepared to go to any lengths to protect - retinal image scans and baseball bats!Areas Covered:- Exclusions and changes in insurance policies- Maternity leave and insurance coverage- Impact of reduced hours on income protection eligibility- Mental health and musculoskeletal conditions in income protection insurance- Different premium options and their long-term costs- Occupation-related factors affecting insurance rates- Understanding income protection vs. unemployment cover- Tailoring income protection policies to individual needs- Difficulties in obtaining insurance and knowing the right questions to ask- Occupational risk ratings and their implications for coverage- Varying lengths and time limits for income protection coverage- Assessing the impact of mental health on insurance decisionsLiked this? Check out Kathryn's first appearance on the podcast in episode 74 - Everything you need to know about life insurance.Check out Kathryn's podcast (link below) where you'll find an answer to every question you might have about insurance. Really good resources if you have a specific health issue and you are wondering how insurers treat it.GUEST EXPERT: Kathryn Knowles  is a specialist adviser for personal, business and group life insurance, critical illness cover and income protection, within the UK and internationally. Kathryn produces videos and a podcast that are used within the insurance sector, by charities and the general public, as a way to educate about ways to access insurance.Podcast | Twitter | Instagram | LinkedInYOUR HOSTSJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramMichelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this episode of Women & Money Cafe, join our hosts, Julie Flynn & Emily Pool, as they sit down with the energetic and inspiring Nicky Marshall to discover the secrets of finding your bounce in life. From skydiving to tackling wellness goals, Nicky shares her journey of self-discovery and wellbeing. Expect top tips on managing relationships, making healthy choices, and loads of small steps you can take today. This episode is a fun-filled, that will leave you feeling motivated and empowered.GUEST EXPERT - NICKY MARSHALL is an award winning, international speaker, best-selling author and entrepreneur. In life and business, we can experience set backs that can turn our world upside down. After recovering from a disabling stroke, Nicky knows what this feels like and the steps needed to rebuild and bounce back from any challenge.Discover your Bounce | Facebook Group | InstagramYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | Facebook Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this episode where we're going big, into the world of networking without the small talk. We've done our research, and forget Google - Instagram is where it's at for reliable and entertaining insights! We heard from numerous individuals who shared their challenges with networking - feeling awkward, not knowing what to say, and encountering pushy salespeople. But fear not, we've got you covered with tips on how to start conversations.There's one story about feeling excluded in networking events due to cultural differences, which got us thinking about the importance of inclusivity. We relate to the struggle of engaging in small talk and share our own experiences of feeling like a fish out of water in the wrong networking event. But don't worry, we've got some great advice for you on finding the right networking events that match your style and goals. We'll show you how asking powerful questions and discussing real challenges in business can lead to meaningful conversations. Forget about superficial small talk!Nicola's first episode 47 - Why networking sucksGuest Expert - Nicola Peake in 2020 during lockdown, she decided launched a national delivery business. Home alone, bored of doing the same things every day and she was missing seeing people in real life! She knew she had to build a community, Peakes Private Members Club.  She runs the Business Growth Studio, which is for those working towards building their business to 50k. YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

Join us as we tackle the burning question on everyone's mind: How much do you need to retire? From dissecting pension plans to outlining alternative income sources, they dive deep into the world of retirement planning. Get ready to have your mind blown as they reveal surprising insights and strategies for ensuring a comfortable and fulfilling retirement. So grab your favorite beverage, kick back, and tune in to the Women & Money Cafe for some money-savvy wisdom with a side of humor. You don't want to miss this episode!

Join Sara, Michelle and Julie in this episode of Women & Money Cafe as they tackle the burning question on everyone's mind: How much do you need to retire? From dissecting pension plans to outlining alternative income sources, they dive deep into the world of retirement planning. Get ready to have your mind blown as they reveal surprising insights and strategies for ensuring a comfortable and fulfilling retirement. So grab your favorite beverage, kick back, and tune in to the Women & Money Cafe for some money-savvy wisdom with a side of humor. You don't want to miss this episode!Resources:Retirement Living StandardsFidelity How Much Do I need to RetirePension WorkMoney HelperYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | Facebook Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

WARNING:  this episode contains strong language.Our guest, Laura delves deep into the topic of perfectionism and its surprising connection to keeping people poor. We look at how generational shifts and beliefs feed into perfectionism. And how it can consume us, especially when it came to balancing being a professional and a mother. Laura and the rest of us at Women & Money Cafe agree: it's time to embrace our imperfections. Being human is enough, and striving for perfection only holds us back from achieving our financial goals.Welcome back to another episode of Women & Money Cafe! In today's episode titled "F##k Perfectionism," we have the amazing and insightful Laura joining us. We stumbled upon Laura through a networking group and a Reddit post that caught our attention. GUEST EXPERT: LAURA PERKES is a PR Strategist and Mentor to service-based business owners who are here to make an impact on the world, by sticking their middle finger up at the patriarchy and re-writing the rule book. Laura is also the author of the Amazon bestselling book, How To Get PRFollow Laura on Facebook and InstagramYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

Get ready to dive into a topic that's rarely talked about but is oh so important: the cost of dying. Join Michelle, Emily, Sara, and Julie in the Women & Money Cafe as they spill the beans on the financial side of laying loved ones to rest. From direct cremation to personalized funerals, they uncover the trends, the surprises, and the alternatives. They'll even dish on the daunting task of being an executor and ensuring your last wishes are carried out smoothly. Buckle up for a frank and informative episode that will leave you with a newfound understanding of the cost of saying goodbye.Cost of Dying ReportMy Perfect Send OffYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Sara Walker is a financial planner and financial coach with 33 years' experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.  Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

This one might be uncomfortable! Julie's be on an adventure this year exploring her own bias and bringing these uncomfortable conversations into the light. Along the way she met Bhavisha Soni, our guest today, and that prompted this podcast episode.We all have bias, fact! Whether we like it or not. But if we can be brave about it, and start reflecting and opening up discussion, we open ourselves up to a richer world. And, no, I don't mean money richer. The other kind.On this episode, we discuss the challenge of networking events and the struggle to find common ground with people who have different experiences. Discover how one conversation changed Bhavisha's perspective, showing her that sharing her unique journey from India to the UK could be an impactful conversation topic.We also examine biases within the Asian community, acknowledging the diversity of views and the frustration of being judged by others. Join us as we explore the personal effects of intrusive questions on our desire to engage and form connections.Through personal anecdotes, we shed light on the barriers women face in the financial services industry. From gender biases to assumptions about our qualifications, we strive for inclusivity and advocate for change.Lastly, we share practical tips for women navigating biased situations in financial services and discuss the importance of starting conversations about inclusivity. Together, we can challenge societal norms and create a more inclusive and respectful industry.Julie gets a bit militant towards the end, and is calling on you join her in not ticking unnecessary boxes – don't get her started on the titles such as Miss, Mrs and Ms.GUEST: Bhavisha  Soni is a Chartered Wealth Planner working in London. She is passionate about helping people to start, build and meet their financial objectives by creating a flexible path which they can follow to achieve their goals.YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSMichelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this episode, we explore the powerful impact of values in our personal and professional lives. We start off by sharing a real-life coaching experience where a client was grappling with some tough business decisions. We touch upon the different ways in which our values can be influenced by our surroundings and share a fantastic resource  personalvalu.es which gamifies finding your values. It identifies your top 5 values, and you can even display them as a wallpaper on your phone!We explore the concept of authenticity and the importance of ensuring that our values truly reflect who we are, without any pretense or societal influences.In the spirit of transparency, we open up about personal challenges that have shaped and solidified our understanding of our values. From traveling alone and feeling truly in tune with ourselves to witnessing social injustices, these experiences have left an indelible mark on our core values.We also explore helpful strategies to discover and clarify our values, including questions to help use your values, and identifying non-negotiables. We also discuss the shadow side of values and how to ensure that our perceived values are truly our own, free from societal expectations.Join us for this thought-provoking episode as we dive deep into the world of values and how they shape our lives.Brené Brown list of values also check out her book Daring Greatly and Mark Manson's The Subtle Art of Not Giving a F*ckYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this episode of Women & Money Cafe, our hosts Emily and Julie are joined by the fabulous Abby Birch from Claro Wellbeing to talk about the innovative concept of "financial first aid." They dive into the importance of understanding our finances to impact our overall health and well-being, and Abby shares her insights on creating a safe space to talk about money matters. The trio also discusses how employers can support their employees through the cost of living crisis and provide helpful resources. Get ready to feel financially empowered and learn how to be a financial "first aider" for yourself and those around you!GUEST EXPERT: Abby Birch is Claro Wellbeing's Coaching Excellence & Training Lead. As well as ensuring all Claro's financial coaches meet its industry-leading standards, Abby empowers employees to become Financial First Aiders. With over 18 years of experience in the financial services industry, including 13 years as an adviser, she is passionate about helping people understand money and giving them the skills and confidence to achieve their financial goals.Resources:Money HelperStep ChangeYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

Welcome to Women & Money Cafe, where we explore all things finance through the lens of women. In today's solo episode, we'll be diving into the topic of multi-asset funds. First, let's talk about what a multi-asset fund actually is. As the name suggests, it's a fund that includes multiple assets, such as stocks and shares, bonds, property and commodities, blended together to create different levels of portfolio risk. By investing in multiple assets, we can help to reduce risk and achieve more predictable returns. So why would you invest in multi-asset funds? Well, for starters, they're designed to help manage risk and provide broad diversification. A multi-asset fund contains a variety of assets that are managed by a fund manager, who is responsible for keeping the risk level appropriate by buying and selling different assets as needed. This means that investors only need to determine their desired risk level and buy the appropriate fund while the fund manager takes care of the rest. When investing in a multi-asset fund, there are two types to consider. The first is active, where a fund manager chooses investments daily and aims to outperform the market index. Alternatively, there are passive multi-asset funds, which have lower management fees and buy tracking funds to follow the index. When choosing a multi-asset fund there are different factors to consider such as an existing pension or starting with an ISA. It's important to look out for keywords such as managed, portfolio, active, passive, cautious, moderate, balanced, or adventurous. And while stocks and shares typically make the most money over time, other assets such as bonds, guilts, and property, are included in the fund to help balance risk and volatility. Asset allocation refers to deciding how much of the fund is allocated to each asset, with stocks and shares being the asset class with the greatest impact on the level of risk and volatility. Ultimately, multi-asset funds are a great option for anyone looking to manage risk and achieve diversified returns while investing. By letting a fund manager handle the assets and making allocations based on your desired risk levels, it's a low-maintenance option that can save you time and stress in the long run. That's it for this solo episode of Women & Money Cafe. Be sure to tune in next week as we'll be discussing a brand new topic with a special guest. As always, thanks for listening and see you next time!YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

In this episode, we're diving into the controversial topic of what to do with a final salary pension. Many personal finance forum posts claim that providers require a letter from a financial advisor in order to transfer a pension, yet advisors seem unhelpful or charge a lot for the required letter. To help us understand this process, I'm joined by Michelle, a pension expert who will provide insights on the topic.Michelle talks us through exactly what's going on with these pensions. And we touch on the cash equivalent transfer value (CETV) and how it's calculated. While the CETV can be appealing, Michelle cautions that transferring the pension to another scheme can involve investment risk, charges, and the possibility that the pension could run out. In contrast, staying with a final salary scheme offers cast-iron guarantees.We also discuss scenarios where transferring a pension may be appropriate, such as when you have other guaranteed sources of income or  in ill health. However, advisors need to do a lot of background and data gathering before signing the letter required by providers, as it holds a lot of responsibility for saying that the transfer is the right thing to do. Most generally advise against moving transfer values for those under 50 years old, as too much can happen between then and retirement.Throughout the episode, Michelle offers valuable insights into the pension transfer process, and we cover a range of situations that might influence someone's decision when it comes to a final salary pension.As always, we're here to educate and inform - it's important to remember that the podcast does not constitute personal financial advice. If you have any questions or want to learn more, we recommend reaching out to Michelle on Instagram at Michelle Lambel Money or your financial advisor. Thanks for tuning in, and don't forget to take care of yourselves!02:29 "Pension Transfer Advice: Qualifications and Regulations Explained"05:26 "Understanding Final Salary Pensions: A Gold-Plated Guarantee"12:28 "The 12-week window for pension transfer values"14:58 "Empower Women Financially: Share This Episode Now"21:46 "Scenarios for Transferring Pensions: When to Consider"26:27 "Customizing Your Retirement: Options and Considerations"29:09 "Contact Michelle for Final Salary Pension Questions"YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSMichelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

The idea behind today's episode is to help our listeners who have multiple pensions and don't know what to do with them. We're going to discuss an approach that you can take, and share stories to illustrate it.We'll be explaining the term "consolidation," and discussing when it's appropriate to use it and when it's not.  We'll also talk about the technical reasons why pensions should be kept separate in some cases.We'll also be sharing stories from people who have multiple pensions and were able to consolidate them successfully. One whose pension was difficult to sort out due to numerous employments, but with our tips, she was able to consolidate and organize her pensions more efficiently.Another came to us with ten different pensions and had no idea about their value and nature. They initially thought they had only tens of thousands saved, but actually had a few hundred thousand in a pension pot. By bringing all the pensions together, they was able to plan for their retirement, providing them with well-being and reducing the need for full-time work.By the end of the episode, you can declare "paperwork bankruptcy" on some of your pension paperwork. We hope that this episode helps you understand your finances better and gives you some strategies for managing multiple pensions. So grab a cup of coffee, and let's dive into the world of pensions.

We're joined by Beck Harrison, a post-traumatic growth coach. We dive into the impact of trauma on one's relationship with money. Beck shares personal experiences, including a humorous encounter with Noel Gallagher, and highlights the importance of being honest with oneself about bad money habits and recognizing the presence of protective mechanisms. Beck delves into techniques like internal family systems and brain spotting that can help process trauma stored in the body. Listeners will come away with a new perspective on their own relationship with money and trauma.Must read book - Body Keeps the Score04:42 Deeper Trauma Work Reveals Underachieving and Overspending05:55 Learning for Empowerment: Overcoming Debt and Perfectionism15:24 Recognizing and breaking your hidden money patterns19:40 Brain spotting: The subtle practice tackling trauma21:48 Silencing the Mind Monkeys: The Power of Physiology26:33 Battling shame: Compassion and understanding can help31:46 Talking to Your Inner Self: Overcoming Trauma38:28 Noel Gallagher Falls Asleep on Music EditorSPECIAL GUEST: BECK HARRISON is a trauma healing expert who focuses mainly on helping women to unlock and overcome hidden childhood trauma. Her mission is to change people's perception of trauma, as many believe it only stems from severe incidents such as abuse. Beck believes that everybody carries some type of trauma and aims to educate and bring awareness to the topic. In addition, she emphasizes the importance of discussing financial matters as it is a significant source of emotional distress for many individuals. Beck's work sheds light on often neglected or overlooked topics and paves the way for individuals to lead more fulfilling lives.Instagram | Facebook | LinkedInYOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram | LinkedInCO-HOST:Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | FacebSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

On this episode of Women & Money Cafe, host Julie Flynn dives into the world of investment risk and how to determine personal risk for investments. Julie shares insights on how higher investment risk often leads to higher returns and how investing in multi asset funds or purpose-built portfolios can help reduce the risk of losing all your money. She also reveals how financial scams and unexpected global events impact investments and offers practical advice on how to create a balanced investment portfolio based on your time horizon. Along with that, she shares a scoring system based on level of experience, competence, and time frame and emphasizes why the biggest determining factor of how much money one makes or loses in investments is their own behavior. So join Julie Flynn on Women & Money Cafe as she demystifies investment risk and offers valuable insights and advice on understanding, measuring, and dealing with risk. [00:00:05] "Women of Money Cafe: Decoding Investment Risks"[00:00:57] "Understanding Risk: Key Factors for Investing"[00:02:26] "Understanding Investment Risks: Don't Fear Losses"[00:03:48] "Your Workplace Pension: Safe from Financial Turmoil"[00:05:23] "The Real Risk in Investment? It's You."[00:06:52] "Scoring Your Investment Knowledge: A Simple Guide"[00:08:00] "Scoring Your Investment Experience: 2 to 8"[00:10:38] "Choosing Investment Labels: A Guide for Timelines"[00:11:24] "Maximize Your Investment Returns With Portfolio Diversification"[00:12:08] "Black Swan Events: Don't Panic, Stick With Diversification"Find out which banks share a licence for FSCS purposes hereLearn more about the Financial Services Compensation Scheme (FSCS) hereReally serious about it, check out FinaMetricaYOUR HOSTJulie Flynn is an experienced independent financial adviser and ICF coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

90% of people in a work place pension in the UK are in a ‘default' fund. Which may not be the right place for you. In this episode we are going to walk you through how to be intentional with your choice of pension fund.We will share the 3 key pieces of information you need to start with.Know if your pension has “lifestyling” and why you might want to change that.You will then be able to narrow down what initially seems like an incomprehensible list of funds to a few choices.This is the 2nd episode in our pension series. The team provide valuable insights into the various types of pension funds available, such as defined benefit plans and defined contribution plans. Julie  will give you the key words and phrases you are looking for. And some top tips on how to identify which funds you should consider, and which ones to avoid. Kat shares some tips on how to understand the charges for each fund. Because we want low charges, so you get to keep more of the investment growth! And Emily talks about your options for sustainable and ethical funds. And shares Tumelo with us. While Michelle explains the difference between passive and active funds. We end with the message of how to take action and not to fear getting it “wrong”. Follow our steps and you can't get it wrong. GUEST: Kat Lowers We were joined in this episode by financial planner, Kat Lowers. Kat is a financial planner at Colmore Partners. I wish I could say something fun like I am part of the circus but alas, I live a relatively simple life that involves going to the gym; going out to eat and drink with friends and family; and helping clients with their financial goals - although, not necessarily in that order!YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

Ready to take charge of your future? In this power-packed episode of the Women & Money Cafe we unveil the ultimate guide to starting a pension and securing a rock-solid retirement plan. If you've been wondering where to begin, this is the episode you can't afford to miss! We break down the daunting task of starting a pension into simple, actionable steps. From unravelling the complex jargon to providing practical advice, this episode leaves no stone unturned. We dive deep into the different types of pension plans available, whether it's a personal pension, a self-invested personal pension (SIPP), or a robo pension. Discover the pros and cons of each option and choose the one that works for you. But it doesn't stop there! We unveil strategies for determining the ideal contribution amounts and tips for maximizing your pension contributions, ensuring you're on track to achieve the retirement lifestyle you've always dreamed of. We also address the burning questions you might have about pensions. Say goodbye to confusion and gain the clarity you need to make informed decisions about your pension. The episode wraps up with a discussion on monitoring and adjusting your pension plan as life evolves. We shed light on the importance of regular reviews, ensuring your pension remains aligned with your changing circumstances and aspirations.Compound interest calculator to see how £50 can grow!Money Helper pension calculatorAnd if you want the spreadsheet, drop Julie a message.YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCO-HOSTS:Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | FacebookSupport the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.