Podcast appearances and mentions of abraham okusanya

Podcast: Adviser 3.0: The PodcastEpisode: Ep 80: Passing the Torch - Exploring Internal Succession Triumphs with Nik MarshPub date: 2024-03-27 Nik Marsh, the managing director of Ashlea Financial Planning, shares his journey of transitioning from a career in high finance to financial planning and navigating the process of internal succession planning. He discusses his background, the challenges he faced, and the importance of finding a different way to provide financial advice. The conversation explores the role of Diane Weitz, the founder of Ashlea Financial Planning, and her desire to ensure the continuity of the business and the well-being of her clients. The chapter concludes with the restructuring of the management buyout and the future succession plans for the firm. In this conversation, Nik Marsh discusses the challenges of business transition and the need for a suitable model for financial planners. He shares insights on transitioning to the next generation and the difficulties of seller financing in management buyouts (MBOs). The conversation also covers the use of preferred shares and the importance of setting up the next generation of owners. Nik Marsh talks about the structure and team of Ashlea, as well as the technology stack and CRM challenges faced by the firm. The conversation concludes with a discussion on future plans and success.The podcast and artwork embedded on this page are from Abraham Okusanya, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Podcast: Adviser 3.0: The PodcastEpisode: Ep 80: Passing the Torch - Exploring Internal Succession Triumphs with Nik MarshPub date: 2024-03-27 Nik Marsh, the managing director of Ashlea Financial Planning, shares his journey of transitioning from a career in high finance to financial planning and navigating the process of internal succession planning. He discusses his background, the challenges he faced, and the importance of finding a different way to provide financial advice. The conversation explores the role of Diane Weitz, the founder of Ashlea Financial Planning, and her desire to ensure the continuity of the business and the well-being of her clients. The chapter concludes with the restructuring of the management buyout and the future succession plans for the firm. In this conversation, Nik Marsh discusses the challenges of business transition and the need for a suitable model for financial planners. He shares insights on transitioning to the next generation and the difficulties of seller financing in management buyouts (MBOs). The conversation also covers the use of preferred shares and the importance of setting up the next generation of owners. Nik Marsh talks about the structure and team of Ashlea, as well as the technology stack and CRM challenges faced by the firm. The conversation concludes with a discussion on future plans and success.The podcast and artwork embedded on this page are from Abraham Okusanya, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Podcast: Adviser 3.0: The PodcastEpisode: Ep 72: How to solve the scale problem (in financial planning businsesses) with Brett DavidsonPub date: 2023-11-24Join us on an exciting journey in this podcast episode, as Abraham Okusanya delves into Brett Davidson's groundbreaking whitepaper, 'How To Solve The Scale Problem (in financial planning businesses)'. The duo cover: making an impact, scaling up your business and rewriting the status quo. You won't want to miss it! ✨

Podcast: Adviser 3.0: The PodcastEpisode: Ep 72: How to solve the scale problem (in financial planning businsesses) with Brett DavidsonPub date: 2023-11-24Join us on an exciting journey in this podcast episode, as Abraham Okusanya delves into Brett Davidson's groundbreaking whitepaper, 'How To Solve The Scale Problem (in financial planning businesses)'. The duo cover: making an impact, scaling up your business and rewriting the status quo. You won't want to miss it! ✨

In this episode of the Maven Money Personal Finance Podcast… Andy revisits an earlier episode - To Pay or Not to Overpay Your Mortgage.   Links:    Humans Under Management   Andy Hart   Patreon   Leave a review!     Don't forget to check out the Maven Adviser website for more great content.   So sit back and enjoy unrivalled words of wisdom from Andy Hart - host of the UK's premier personal finance show.   Is there a topic you'd like Andy to cover? We'd love to hear from you! Contact Andy Hart directly with any comments / feedback on team@mavenadviser.com. Alternatively you can reach out on Twitter @MavenAdviser. 

Podcast: Adviser 3.0: The PodcastEpisode: Ep 58: The Million Pound Solo Practice with Paul Cleworth, Warren Shute & Kate PhillipsPub date: 2023-06-21This podcast episode is led by two wildly successful financial planners, Paul Cleworth and Warren Shute, who themselves are walking the walk by creating bigger, better futures for their teams and clients. From client acquisition to marketing and team building, they will let you in on their playbook for creating a million pound solo practice.  The session is moderated by Timeline's very own Kate Phillips and provides meaningful discussion and an interactive Q&A to fuel your growth with ideas and practical tips.  Recorded at Adviser 3.0: Change Agents. The podcast and artwork embedded on this page are from Abraham Okusanya, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Podcast: Adviser 3.0: The PodcastEpisode: Ep 58: The Million Pound Solo Practice with Paul Cleworth, Warren Shute & Kate PhillipsPub date: 2023-06-21This podcast episode is led by two wildly successful financial planners, Paul Cleworth and Warren Shute, who themselves are walking the walk by creating bigger, better futures for their teams and clients. From client acquisition to marketing and team building, they will let you in on their playbook for creating a million pound solo practice.  The session is moderated by Timeline's very own Kate Phillips and provides meaningful discussion and an interactive Q&A to fuel your growth with ideas and practical tips.  Recorded at Adviser 3.0: Change Agents. The podcast and artwork embedded on this page are from Abraham Okusanya, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Podcast: Adviser 3.0: The PodcastEpisode: Ep 56: Navigating your financial journey with Berry & OakPub date: 2023-05-24Join Abraham in a captivating conversation with Andrew and Sarah Elson, owners of Berry & Oak. From their humble beginnings in a bank to running their successful business, they share their journey, discuss the power couple dynamics, team growth, operations, marketing strategies, financial planning, and exciting plans for the future. Tune in for inspiration and valuable insights into the thriving world of Berry & Oak. The podcast and artwork embedded on this page are from Abraham Okusanya, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Podcast: Adviser 3.0: The PodcastEpisode: Ep 56: Navigating your financial journey with Berry & OakPub date: 2023-05-24Join Abraham in a captivating conversation with Andrew and Sarah Elson, owners of Berry & Oak. From their humble beginnings in a bank to running their successful business, they share their journey, discuss the power couple dynamics, team growth, operations, marketing strategies, financial planning, and exciting plans for the future. Tune in for inspiration and valuable insights into the thriving world of Berry & Oak. The podcast and artwork embedded on this page are from Abraham Okusanya, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Summary In this episode of the Human vs Retirement podcast, Dan interviews author and fintech founder Abraham Okusanya. Abraham is the founder and CEO of Timeline, a technology platform designed to help retirees invest and spend with confidence, and author of Beyond the 4% Rule. Dan and Abraham discuss the obstacle of spending money with freedom in retirement, and how retirees are on the whole far too conservative when it comes to spending their savings, particually during their best years.  What You'll Learn The listener will learn about retirement planning, including overcoming behavioural, emotional, and financial challenges. The episode covers topics such as the importance of not being too conservative with spending, the cautionary nature of human beings, the myth of U-shaped spending, the fear of unmanageable care costs, giving during one's lifetime, aligning money and time with values, and the role of human financial advisors. The episode also discusses the 4% rule for retirement spending, improvements to the rule, and a more dynamic approach to retirement spending.  About My Guest Abraham is the founder and CEO of Timeline, a financial technology company on a mission to help millions of people face retirement with confidence. The company currently manages over £2bn in client assets. He is the author of ‘Beyond the 4% Rule: the science of retirement portfolios that last a lifetime' and has delivered talks to the Financial Conduct Authority (FCA), Personal Finance Society (PFS), The Association of British Insurers (ABI), Chartered Institute for Securities & Investment (CISI) and conferences in around the world.  He holds a master's degree from Coventry University and an alphabet soup of designations, including the Investment Management Certificate (IMC), Certified Financial Planning, Chartered Financial Planner and Chartered Wealth Manager. Find out more: www.humansvsretirement.com

Podcast: Adviser 3.0: The PodcastEpisode: Ep 54: Anatomy of a Million Pound Lifestyle Adviser PracticePub date: 2023-04-26Abraham chats to the vibrant multi award-winning Warren Shute, covering: Where he started out, studying accountancy & early career The beginning of Lexington Wealth Management How to deliver a congruent service to clients The importance of proactive communication Why Warren is not looking to sell his business The launch of Warren's new financial planning coaching programme ChatGPT, AI & what it can do What the future holds for Lexington Wealth The podcast and artwork embedded on this page are from Abraham Okusanya, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

Podcast: Adviser 3.0: The PodcastEpisode: Ep 54: Anatomy of a Million Pound Lifestyle Adviser PracticePub date: 2023-04-26Abraham chats to the vibrant multi award-winning Warren Shute, covering: Where he started out, studying accountancy & early career The beginning of Lexington Wealth Management How to deliver a congruent service to clients The importance of proactive communication Why Warren is not looking to sell his business The launch of Warren's new financial planning coaching programme ChatGPT, AI & what it can do What the future holds for Lexington Wealth The podcast and artwork embedded on this page are from Abraham Okusanya, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.

In this 166th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Abraham Okusanya, CEO and Founder of Timeline. Timeline is an online platform that allows people to stress test the decumulation phase of their life and come up with a plan to deal with it!Episode Highlights:0:34 – Abraham Okusanya introduces Timeline.1:18 – Jason discusses the conflicting aspects and uncertainty of decumulation.1:52 – What was Abraham’s journey that led him to start Timeline?5:47 – Jason explains his biggest problems with financial plans.6:27 – What are the client inputs and outputs involved when working with Timeline?10:36 – Abraham explains how Timeline compares client expectations to reality.12:31 – What are the various spending rules that Timeline uses to adjust based on reality?16:54 – How does Timeline’s Floor and Ceiling rule work?18:39 – Abraham compares Timeline’s Floor and Ceiling rule to Michael Kitces’s Ratcheting rule.22:13 – Jason and Abraham discuss the benefits of discussing the realities of volatility with the client.23:02 – What is a withdrawal policy statement and what does it tell people?25:42 – If Abraham could change one thing about his industry, what would it be?26:32 – What has been the biggest challenge in getting Timeline to where it is today?27:51 – Abraham shares what excites him the most about his industry.3 Key PointsTimeline is a retirement income platform that helps financial planners and enterprises create simple withdrawal strategies for their clients by applying extensive data.Right now, most people are expected to run out of money ten years short of the average life expectancy.Timeline’s Floor and Ceiling rule affects how you increase your withdrawal based on inflation and portfolio performance.Tweetable Quotes:“Ultimately, our mission is to create retirement income plans where the money outlives the people.” – Abraham Okusanya“The Law of Gravity is a law because it’s an observed law and we know it’s going to work. The 4% rule is not a law, it’s an observation.” – Jason Pereira“That’s the worst thing, an academic or a researcher will create something that a marketing department will run rampant with.” – Jason Pereira“All we can do is to bring the reality of volatility straight in front of them because they are far better prepared for it.” – Abraham Okusanya Resources Mentioned:Facebook – Jason Pereira’s FacebookLinkedIn – Jason Pereira’s LinkedInFintechImpact.co – Website for Fintech ImpactJasonPereira.ca – Sign up for Jason Pereira’s newsletterWoodgate.com – Website for Woodgate FinancialTimelineapp.com – Website for TimelineKitces.com – Website for Michael Kitces See acast.com/privacy for privacy and opt-out information.

Spending is one of the biggest levers in our control. When we're building wealth, well….we won't build wealth unless we control our spending. When we approach retirement, it's really important to understand what our likely spending patterns might be so we can plan accordingly. Today I bring back repeat guest, the ever-popular Abraham Okusanya of Timeline, who has literally written the book on retirement spending and investing called Beyond the 4% Rule (link below), and continues to do great work in this field.

Episode two of our National Advice Forum Podcast featuring Abraham Okusanya.

In this episode of the Maven Money Personal Finance Podcast… Andy is joined by long term repeat co-host, Abraham Okusanya.   Quick Preview of the Podcast:   What we have witnessed in 2020 investments and media Tech stocks and long term capital returns The "no brainer" portfolio Overcomplicating simple ideas   Links:   Patreon    Humans Under Management   Andy Hart   Leave a review!     Don't forget to check out the Maven Adviser website for more great content.   So sit back and enjoy unrivalled words of wisdom from Andy Hart - host of the UK’s premier personal finance show.   Is there a topic you’d like Andy to cover? We’d love to hear from you! Contact Andy Hart directly with any comments / feedback on team@mavenadviser.com. Alternatively you can reach out on Twitter @MavenAdviser.   

This week I speak to fintech entrepreneur Abraham Okusanya. From growing up in relative poverty in rural Africa. 3am starts working in the family business while still at school. And obtaining a scholarship to study in the UK. Abraham shows that where you start need not hold you back. A dalliance with consumer debt, at the same time as he was made redundant at the height of the financial crisis, galvanised Abraham to recalibrate his life. Honest money conversations with his new wife, learning new money skills and starting his own consultancy were all part of his money recovery plan. An epiphany during his consultancy work led Abraham to start a financial software company, Timeline App. Today Abraham and his team help people answer the toughest question we all have, 'Am I going to be OK financially?' This is a lovely conversation, full of humility, honesty and good humour, which touches on so many aspects of our relationship with money.

Humans Under Management is an international conference focussed on better client outcomes for financial advisers.     This is a talk from one of our previous events. For more information on upcoming conferences visit: humansundermanagement.com

His background and Journey in FS? Why did he start finalytiq and what does it do? His core beliefs when it comes to financial planning and investment management What is timeline and how can it help? His advice to the Next Generation

If you are a regular listener to the podcast – firstly, thank you for joining me again this week – and secondly, you will probably be aware that the podcast is sponsored by Timeline App.   Each week, I give a brief explanation of the TimelineApp software and how it helps financial planners like me bring your retirement journey to life and answer your big retirement income questions.    But Timelineapp really comes into its own at this time of high market volatility, so I am delighted to welcome back to the show today founder and CEO of Timelineapp, Abraham Okusanya.    I have known Abraham for a number of years and watched in admiration as he has continued to bring cutting-edge technologies to the financial advice market, become a published author and host the highly successful Science of Retirement Conference.   Abraham is here today to help us understand the current stock market performance as a result of the coronavirus and put it into the context of historical events over the past 100 years.   Listen here on episode 076 of The Retirement Café Podcast

Humans Under Management is an international conference focussed on better client outcomes for financial advisers.     This is a talk from one of our previous events. For more information on upcoming conferences visit: humansundermanagement.com

Humans Under Management is an international conference focussed on better client outcomes for financial advisers.     This is a talk from one of our previous events. For more information on upcoming conferences visit: humansundermanagement.com

Welcome to Informed Decisions Podcast, Ireland's #1 Finance Blog & Podcast.  As we continue out focus on managing and optimising pension and retirement income in Ireland we are delighted to bring you one of the leading lights in the academic research of this topic, Abraham Okusanya. As the creator of Finalytiq in the UK, author of 'Beyond the 4% Rule', and host of the 'Science Of Retirement' Conference there is not much that he does not know about delivering results for customers in their investing and retirement planning. Sit back and enjoy! Paddy Delaney P.S. apologies for the dodgy sound quality when I am speaking - my fault entirely. Will sort it for the next interview!  

Since George Osbourne pronounced the words “No one will have to buy an annuity again” in 2014, the retirement market has changed from a safety-first environment to one full of risk and responsibility. No longer forced to convert your hard-earned savings into an annuity – a guaranteed income for life in exchange for your pension pot – pension freedoms legislation allows you more freedom on how to spend your retirement savings. Fundamentally this means more people decide to invest their retirement savings and take an income to meet their expenditure needs. My guest on The Retirement Café Podcast this week is Abraham Okusanya – an intelligent chap who recognised how difficult it was for financial planners to help clients work out the best way to take an income from their investments. There are so many factors to consider, such as the inflation risk, longevity and market performance. Abraham runs a research and consultancy firm called FinalytiQ, who provides investment and technical support to financial planners working with retirees. He is also the founder of the Timeline software. Timeline enables financial planners like us help their clients work out how to ensure their pension savings last a lifetime. Here's my interview with Abraham Okusanya, in episode 012 of The Retirement Café Podcast.

In this episode of the Maven Money Personal Finance Podcast… Andy is joined by repeat guest, Abraham Okusanya. Together they discuss their mutual hero, Jack Bogle, and lessons to be learned from him.   Quick Preview of the Podcast:   Purpose and impact vs wealth Overview of Bogle's 8 basic rules Arguing for simplicity and common sense Key teachings from the legendary Jack Bogle   Links:   Humans Under Management   Andy Hart   Leave a review!     Don't forget to check out the Maven Adviser website for more great content.   So sit back and enjoy unrivalled words of wisdom from Andy Hart - host of the UK’s premier personal finance show.   Is there a topic you’d like Andy to cover? We’d love to hear from you! Contact Andy Hart directly with any comments / feedback on team@mavenadviser.com. Alternatively you can reach out on Twitter @MavenAdviser.   

In this episode of the Maven Money Personal Finance Podcast… Andy is joined by repeat co-host and brother from another mother, Abraham Okusanya.   Quick Preview of the Podcast:   What is multi asset investing? Key findings of the "Dysfunctional Families" report. Understanding the "no brainer" approach. A prize for a lucky listener!   Links:   Leave a review!     Don't forget to check out the Maven Adviser website for more great content.   So sit back and enjoy unrivalled words of wisdom from Andy Hart - host of the UK’s premier personal finance show.   Is there a topic you’d like Andy to cover? We’d love to hear from you! Contact Andy Hart directly with any comments / feedback on team@mavenadviser.com. Alternatively you can reach out on Twitter @MavenAdviser.   

In this episode of the Maven Money Personal Finance Podcast… Andy is joined by repeat co-host, Abraham Okusanya. Together they discuss the topics surrounding Abraham's new book - Beyond the 4% Rule: The Science of retirement portfolios that last a lifetime.   Quick Preview of the Podcast:   Respecting longevity in your retirement plans. Defend against the thief that keeps on taking. Understanding your spending patterns during retirement. A brief and wise interjection from Grand Master Yoda.   Links:     Beyond the 4% Rule   ​Leave a review!       Don't forget to check out the Maven Adviser website for more great content.   So sit back and enjoy unrivalled words of wisdom from Andy Hart - host of the UK’s premier personal finance show.   Is there a topic you’d like Andy to cover? We’d love to hear from you! Contact Andy Hart directly with any comments / feedback on team@mavenadviser.com. Alternatively you can reach out on Twitter @MavenAdviser.       

In this episode, I'm joined by Abraham Okusanya, author of a new book called Beyond The 4% Rule: The science of retirement portfolios that last a lifetime. Regular (and loyal) listeners to this podcast will remember Abraham from episode 11, back in February 2015, and more recently in episode 114, in September 2016, when we spoke about 'brainless portfolios'. Abraham is hosting a conference in London next week called The Science of Retirement, and he's just published a new book called Beyond The 4% Rule: The science of retirement portfolios that last a lifetime. Before I share our conversation with you, here's the blurb from the book, to give you some context: "Retirement income planning used to be so simple. Most people never had to worry about how to convert their retirement savings into income for the rest of their lives. Today's low annuity rates, closure of increasing numbers of defined benefit schemes and the Pension Freedoms, introduced by the UK Government in 2015, ripped up the retirement income planning rulebook. "The book confronts the challenge of how to secure a sustainable income that lasts a lifetime from your portfolio. It delves into the detail of the various withdrawal strategies, asset allocation and the unavoidable question of how long before you pop your clogs. This book helps retirees and their advisers navigate the treacherous retirement income landscape, using sound empirical evidence and practical application." The reason I wanted to chat to Abraham about his book was because we often refer to the 4% rule and it's become one of those throwaway financial rules of thumb, often mentioned without really digging into the details. As Abraham will explain in a moment, the rule is based on really robust science, but there's more to consider for individuals - in particular, the impact of fees, the underlying asset allocation and the assumption that retirement income will stay at the same level for the rest of life - spoiler alert, it doesn't!

Fresh off the stage after his conference speech about the science of retirement income, Martin chats to Abraham Okusanya from FinalytiQ. Abraham is the principal at FinalytiQ, a research firm specialising in investment propositions, pensions and platforms. He sits on the investment committees of several financial planning firms, and he’s frequently sought by asset managers, pension and platform providers looking to build products and propositions that are fit for purpose. @AbrahamOnMoney

In this episode of the Maven Money Personal Finance Podcast… Andy is joined by Co-Host Abraham Okusanya to discuss the big question - should you overpay your mortgage? Quick Preview of the Podcast: How to most effectively allocate your resources The financial vs emotional aspects of this question Is it a no brainer to pay your mortgage off? Passionate and opinionated insights from two experts in the field. Links: Andy's Podcast Recommendation https://finalytiq.co.uk/author/abraham/   Don't forget to check out the Maven Adviser website for more great content. So sit back and enjoy unrivalled words of wisdom from Andy Hart - host of the UK’s premier personal finance show. Is there a topic you’d like Andy to cover? We’d love to hear from you! Contact Andy Hart directly with any comments / feedback on team@mavenadviser.com. Alternatively you can reach out on Twitter @MavenAdviser.     

What we discuss: His background and Journey in FS? Why did he start finalytiq and what does it do? His core beliefs when it comes to financial planning and investment management What is timeline and

Last week I had a great conversation with Abraham Okusanya about the vital subject of investing in retirement. We covered a lot of ground, and mentioned lots of practical stuff. This week I want to pick out the main points and give you the actionable steps you need to take.   Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk Managing Cashflow In Drawdown If you haven't listened to last week's conversation with Abraham, I strongly suggest you do that now. Abraham is super-passionate about the subject of investing in retirement, and the serious effects of getting it wrong. His passion is backed up with data, and he covers a lot of that in last week's show. If you have listened to that show, stick with me now as I cut to the main things you need to DO (Consider last week as what you need to KNOW) In this session you will learn: Why it is important to map out the first few years' drawdown What planning your withdrawal strategy really means Why planning round the tax allowances is all-important Why I believe you should NOT increase your risk in retirement When diversification isn't really diversification Why you should keep cash, and how much to keep, when The importance of ongoing review The power of a long-term view   Resources Podcast: How To Choose A Multi-Asset Fund   Share the love If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:  

I'm delighted to welcome back Abraham Okusanya of Finalytiq to help me cover a topic which is so important - investing in retirement. It's important because if there's one time in your life you really can't afford to get it wrong, then it's in retirement.   Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk Investing in Retirement The traditional view of investing in retirement is to reduce the risk of your pensions and other investments as you approach the great transition, and then cruise through retirement, being fairly cautious, hopefully not spending too much. These days, there is quite a bit to think about, particularly thanks to the pensions freedoms which mean more people than ever are opting not to secure an income with an annuity but opt for unsecured income drawdown instead. In this session you will learn: The key considerations for investing in retirement Why the Pensions Freedoms of 2015 are so important and what they mean for you The difference between a chicken and an egg The dangers of sequencing risk Some strategies for mitigating that risk Some ideas as to the order in which you should spend your money The difference between investing for natural income or total return, and why it matters Resources Website: Abraham's company, Finalytiq App: Timeline - The Safe Withdrawal app Social: Abraham on Twitter   Share the love If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

Two weeks ago we talked about securing an income in retirement. Today I'm going to look in-depth at unsecured income, or what ordinary people call Income Drawdown.   Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk Income Drawdown The difference between secured and unsecured drawdown is essentially about who takes the risk. With a secured income you have someone else guaranteeing to provide you with the specified income, and it is up to them to do whatever is necessary to meet their obligations. With unsecured income drawdown, you are in control, and on your own head be it. If you run out of money, too bad. If you still have too much money left when you die, then you haven't spent enough! The investment risk, the withdrawal rate, the asset mix, is all down to you. So this week I want to look at the mechanics of income drawdown, and then next week, I'm bringing back friend of the show Abraham Okusanya to give us a steer as to how to withdraw money and how to invest for retirement. In this session you will learn: That Income Drawdown is not just about pensions Why the Pensions Freedoms of 2015 are so important How income tax works in pension drawdown Why death benefits should always be front of mind when planning your drawdown strategy Why it is worth checking ahead of time whether your own pensions are flexible Why consolidation of your pensions makes life easier And why you should be very careful doing so Why you should check your expression of wishes on your pensions   Transcript As always there is a transcript available for the entire show. you can get it by clicking the huge blue button below: [Coming Soon]   Share the love If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

It's session number 103, and for the first time ever, I'm bringing back a guest who isn't Justin Urquhart Stewart! You may remember Abraham Okusanya from session 74, the most downloaded episode of all time. Well, I've brought Abraham back on to talk about the dangers of what he calls pound cost ravaging on portfolios in retirement. Stay tuned for more…

In epsiode 11 of the Informed Choice Podcast, Martin interviews Abraham Okusanya about his new white paper, Pound Cost Ravaging. He also talks about five misconceptions about retirement and answers a question from listener Angela about care fees planning for her elderly parents. As usual, there's an update on the books Martin has been reading and some new podcast discoveries. He's also been giving blood and walking to work every day.

In this episode of the Informed Choice Podcast, Martin test drives the new BBC cost of care calculator. He talks about the new retirement advice directory from the Money Advice Service and looks at the latest statistics for investment fund inflows for 2014, which show a growing popularity of index tracker funds. Martin also plays a short clip of an interview between Abraham Okusanya and Justin King, about the book Ready, Steady, Retire! Martin gives a short recap of his week so far, the books he is currently reading and what is coming up next week, with a trip to London for the Unbiased Media Awards 2015.