Podcasts about isas

The government has announced that it's replacing the lifetime Isa with a new savings product specifically to help first-time buyers. But what will it look like?In this episode, we're joined by our mortgages and property expert Sam Wilson who outlines what the Lisa is, how it's helped first time buyers, but also how it's hampered certain house-buyers from accessing the government bonus because their property was too expensive.The new account will only be targeted towards first-time buyers, removing the element of the Lisa that helps those save for retirement. Rachel Vahey from AJ Bell shares her concerns that the self-employed will need more support to save money for later life.Read our reviews of the best lifetime Isas on our website & sign up for our free weekly Money newsletterGet in touch with us via email - podcasts@which.co.ukPodcast listeners can get 50% off an annual Which? membershipBecome a Which? Money member to access 1-to-1 guidance and receive the Money magazine

A shake up is happening in the world of DIY investing. Some of the biggest investment platforms are overhauling their fees ahead of Rachel Reeves' big push to get Britain investing - and under pressure from upstarts offering much cheaper services.The biggest name of all, Hargreaves Lansdown, has cut its prices for most investors, yet this seems to have triggered a chunk to jump ship. So, why are some HL investors moving if things are getting cheaper - and is it time we all looked at our investment platform fees?Georgie Frost, Rachel Rickard Straus and Simon Lambert discuss the latest DIY investing battle and what it means for your portfolio - plus what you should look for if you do want cheaper investing or a helping hand.With nearly £1trillion in Isas, how did people build up such big pots and could they end up being a target for a tax raid.What's going on with the civil service pension meltdown?And finally, the most applied for jobs and the apprenticeships that can people dodge a massive student debt.

Understanding Lifetime ISAs for Young Investors and Pension Tips for Women Over 45 - Ask Becky Anything - Ep. 135. Take our quiz to get your perfect playlist to help you on your wealth journey: https://rebecca-jpk9bhtb.scoreapp.com/ In this Ask Becky Anything episode of Accelerating Your Wealth, Rebecca Robertson answers listener questions about Lifetime ISAs and how to start saving for retirement later in life. Gives clear, no-nonsense advice on saving for the future and making smart financial decisions. In this episode we cover... What Lifetime ISAs are and how they work for young adults The benefits and limitations of LISAs compared to traditional ISAs and pensions Strategies for saving a deposit for your first home Advice for women who are starting to think about pensions in their 40s Practical steps to begin your investment and retirement planning journey now Chapters 00:00 "ISA and LISA Explained" 03:15 Saving Strategies for Home Deposits 08:10 "Start Small, Plan for Stability" 09:52 "Starting Small with Investing"   ----------------------------------------------------------------------------------------------------------- Connect with Rebecca Robertson and the Podcast: Subscribe for weekly wealth-building strategies: https://www.youtube.com/@rebeccarobertsonifa  Instagram: https://www.instagram.com/rebecca_robertsonifa  https://www.instagram.com/acceleratingyourwealth LinkedIn: https://www.linkedin.com/in/rebecca-financial-advisor Facebook: https://www.facebook.com/RebeccaRobertsonwealth  www.evolutionfinancialplanning.co.uk Disclaimer: This content is for educational and informational purposes only and should not be construed as financial advice. Podcast produced by https://podforge.co.uk

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With new ISA changes announced in the Autumn Budget and updates to cash ISA limits on the horizon, now is the perfect time to get clear on how these powerful, tax-efficient savings and investment tools can help you build long-term financial confidence. In this episode of A Little Bit Richer, our host Iona Bain is joined by Paula Hughes from L&G to demystify the world of ISAs and help you understand how they can work for you at every stage of life. Together, they explore the different types of ISAs available and how to choose the best one for you. They also discuss the “use it or lose it” rule and what the upcoming changes could mean for savers and investors. So whether you’re saving for your first home, building long-term wealth, or simply trying to protect your money from inflation, this episode will help you decide how to make your ISA allowance work harder for you. Because when it comes to tax-efficient growth, the earlier you start, the bigger that snowball can get for a future that’s a little bit richer. You don’t pay tax on the interest, income or capital gains you make inside an ISA. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.See omnystudio.com/listener for privacy information.

Pete and Roger answer six listener questions covering Coast FIRE strategies with GIAs, US 401(k) tax implications in the UK, record keeping for IHT-exempt gifts, Australian pension taxation for UK residents, pension contributions to avoid the £100k tax trap, and managing a £2M portfolio as Power of Attorney. Shownotes: https://meaningfulmoney.tv/QA39    01:17  Question 1 Hi Pete and Roger, I'm 29 and working towards Coast FIRE within the next 2–3 years so I can begin a digital nomad lifestyle — working remotely while knowing my long-term retirement is taken care of. Right now, I've got: - £45k in a Stocks & Shares ISA - £25k in a workplace pension (via salary sacrifice) - A Lifetime ISA for a future house deposit (or later retirement) - A fully funded emergency fund I've already maxed out my ISA for this tax year and plan to continue doing that every year. But I have more money to invest now, and I know that to reach Coast FIRE on my timeline, I need to start using a General Investment Account (GIA). Here's where I'm stuck: I want to keep things simple and tax-efficient, but I feel a bit nervous about GIAs. I keep hearing about the "bed and ISA" strategy but don't really understand how it works in practice or how to implement it over time. Could you explain: - How best to use a GIA alongside an ISA when working towards FIRE? - How to manage capital gains and dividend tax efficiently? - And how the bed and ISA approach actually works — especially for someone trying to keep things simple? Thank you both so much — your podcast has been an incredible resource and a big part of why I've been able to take control of my finances. Warmly, Pauline 12:22  Question 2 Hello Pete & Roger I am very late convert to the podcast but have been ploughing through the Q&A for a few days now. I think I only have another 592 episodes to get through so should be up to date by the end of the week !! I am not sure whether this has been covered or not. I have a 401K plan that has been hibernating in the USA for 20 years. I have only recently started looking at it and now need to understand the tax implications. I have tried to read HMRC guidelines on tax treaties etc but get even more confused than before. My current belief is that the provider will pay this money out by means of US issued cheque (not a problem) but withhold 30% tax (a problem). How will HMRC treat this? The usual sources http://unbiased.co.uk for one run for the hills on finding information about this, is this an area you can provide guidance, but obviously not advice as I know you cannot through the podcast. Regards, Stephen 16:10  Question 3 Hi Pete & Roger, Like so many people I am really impressed, not just with your knowledge and great communication skills, but that you put out such life changing content. You're providing us with the means to help ourselves in this financial world as well as letting us know when to seek professional help. On to my question: we're (wife and I) retired (late-60s) and are lucky enough to have more than enough to comfortably live on, thanks to DB & state pensions, house price inflation etc. Not really through any financial planning but just having been born at the right time! So we do now have an IHT liability. We have a joint second death Whole Of Life policy (in trust) in place for potential IHT and have given help with house deposits for our children. We also are gifting to the kids out of our excess income and would like your thoughts on the type of record keeping needed for this. We have letters stating the intention to give the gifts, recording who to etc. We keep completed IHT403 forms which we update annually. We also have a monthly/annual spreadsheet of income/expenses which demonstrates our surplus and keep track of expenses with the MeMo transaction tracker (thanks for that). These are all in our 'WID' file (again thanks to you for that). What we're not sure about is any documentation that might be needed to evidence the figures. Income is straightforward with P60s, statements of interest/dividends. However, what is required for expenses? Can't really keep all supermarket receipts etc and even bank/credit card statements would be quite bulky over several years. Not sure if we're overthinking but don't want to leave a difficult task for our kids when we're gone. Thank you both again for all the good you are doing Simon 20:33 Question 4 Brian (in Australia) Thank you for all your podcasts and videos but I think I may have to sign up to the academy to fully get my head around all the UK rules. We are looking to move to the UK from Australia - we have no UK govt pension entitlements but are retired with personal Australian private superannuation account pensions. The pension income payments and withdrawals are all tax free in Australia but will the UK government apply a tax on these pension payments once we are UK residents?   Thanks again for all your useful information. Regards, Brian 22:55  Question 5 Hi Roger (and Pete), I had a question which is boiling my brain far more than it should and I was hoping you could include it in one of your Q&A episodes. I'm in the fortunate position of being caught by the £100k 'tax trap' due to being paid a bonus for the first time in a number of years. This particular first-world problem is being made all the worse because my daughter will start nursery next year so in addition to the 60% tax charge on my bonus, we would also lose the 30 free hours of childcare we currently have access to. I currently salary sacrifice roughly £5,000 of salary into my pension (which my employer matches) and this holds my income at £99,000. However there is no option for me to do any kind of 'bonus sacrifice'. My only choice is to receive the bonus payment net of tax & NI through PAYE and then make a payment into my personal pension (a Vanguard, low cost multi-asset fund, just like you taught us!). I think I'm right in saying my pension provider will claim back the basic rate tax automatically for me, and I can then claim back the other 20% via my tax return with HMRC paying this extra 20% back to me directly. So far so easy, but what I can't work out is just how much I have to pay in to my pension in order to take all of the bonus payment out of my taxable income. Presumably its not the net amount extra that gets paid into my bank account on the month my bonus is paid because this will also be net of NI, meaning I wouldn't have paid enough in to avoid the £100k trap. Assuming my bonus payment was £10,000 (I don't know the exact figure yet but its likely to be around this amount), could you talk through how to calculate the net payment I need to make into a personal pension to achieve the desired result? As a follow up to this, if HMRC send me a cheque (very 1990's) for say £2000 of refunded higher rate tax, do I need to pay this into my pension in the next tax year to avoid having it counted towards my taxable income in that financial year? Please keep up the great work that you both do, you've really helped me get my financial life in order after an extremely difficult period in my life. Thank you both! Jimmy 27:29  Question 6 Hi Pete and Rog, Firstly, a huge thank you for all the insight and support you continue to offer. The impact of the Meaningful Money Podcast is immense—I've personally benefited so much from your free content over the years. I'll keep this as brief as I can: My great aunt (now 84) has built a substantial portfolio over decades—about £2 million across ~60 individual company shares, with approx. £1.3 million in a GIA and the rest in S&S ISAs. She also holds £400k in fixed-term bonds, savings accounts, and premium bonds. Sadly, she was diagnosed last year with dementia and Alzheimer's and now resides in a care home. I am her Power of Attorney and want to act in her best interests—simplifying her affairs and ensuring tax efficiency, especially regarding her legacy. She has no spouse or children but wishes to leave money to nieces, nephews, and charities. Here's my working plan: - Offset gains in the GIA by selling loss-making investments (totalling £30k–£40k) alongside some of the profit making investments to reduce market exposure without incurring CGT costs.     - Liquidate all shares in her S&S ISAs and transfer funds into cash ISAs with decent interest rates - Leave most of the GIA portfolio untouched to benefit from the CGT uplift on death Am I broadly on the right track for tax efficiency and sensible financial planning? Should I seek formal advice to ensure I'm doing the best by her? Thanks again for all you do—it really matters. Best regards, Josh  

Do you need an ISA? When? How do you comp them? What if they want to be agents? What if they're overseas?Should your team follow scripts? How closely? Where are the non-negotiables and where do you find room to stay human?How do we uncover motivation and handle objections in a helpful way that improves client experience?Nikki Pais is here to address all that and more. She brings years of experience as an EA, ISA, and Director of Inside Sales, as well as years of experience coaching ISAs, agents, and team leaders across North America on better conversations, effective nurturing, and more closings.Watch or listen for Nikki's insights into:Why to apply what you learn without waiting, without tweaks, and without doubtsThe most common problem among the teams she's coaching: exceptions (plus when to turn an exception into a tier)The difference between coaching and training - and how to figure out what you needTop signs that you'd benefit from an ISAWho makes a great ISA (domestic vs international, aspiring real estate agents, current agents)How to comp ISAsManaging handoffs and the division of labor between agents and ISAsWhy to treat every new lead as a buyer (yes, even sellers)How to uncover motivation in a meaningful wayThe right way to use scriptsThe difference between objections and conditions - and how best to handle objectionsTaking notes vs relying on AI summariesFacing the challenge of sales skepticismLeveraging AI calls and texts for the right reasonsAt the end, learn about an inherited team, soaps you don't like, well-traveled boxes, and 50 audiobooks for 50 ideas to apply immediately.Other episodes you'll enjoy:→ More Deals from Your Database With (or Without) an ISA with Travis Halverson https://www.realestateteamos.com/episode/travis-halverson-deals-database-isa-inside-sales→ From ISA to Director of Opportunities with Lisa Ryan https://www.realestateteamos.com/episode/inside-sales-manager-isa-real-estate-opportunities-lisa-ryan→ How to Drive Per-Agent Productivity with Jonathan Campbell https://www.realestateteamos.com/episode/how-to-drive-per-agent-productivity-jonathan-campbellConnect with Nikki Pais:→ https://www.facebook.com/nikki.shanelle.pais→https://www.ezdials.com/shut-up-and-dialConnect with Real Estate Team OS→ https://www.realestateteamos.com→ https://linktr.ee/realestateteamos→ https://www.instagram.com/realestateteamos/

PocketSmith is proud to sponsor this episode of Medics Money. If you want clarity and confidence in managing your money, plus 50% off your first two months of PocketSmith, head to: https://www.pocketsmith.com/medics-money/   In this episode of the Medics Money podcast, Matthew and Ed address various financial questions from doctors, focusing on topics such as cash ISAs, trading allowances, adjusted net income, self-assessment tax returns, and claiming professional expenses. They provide insights into the implications of recent changes in tax laws and offer practical advice for navigating the complexities of financial management in the medical profession.   00:00 Introduction to Financial Queries for Doctors 01:12 Understanding Cash ISAs and Future Changes 05:40 Exploring the Trading Allowance and Miscellaneous Income 09:02 Adjusted Net Income and Its Implications 11:43 Self-Assessment Tax Returns: Who Needs Them? 16:35 Claiming Professional Expenses and Tax Rebates 21:35 Navigating HMRC Tax Relief and Subscriptions   Want the latest financial tips for doctors and exclusive invites? Join 64,000 doctors here https://www.medicsmoney.co.uk/join-medics-money/ Want a free assessment of your finances? Click here https://medics-hnz5twj1.scoreapp.com Want to improve your finances fast? Then come on our course https://www.medicsmoney.co.uk/medics-money-financial-wellbeing-course/ GP partner looking to improve your practice/ Then come on our course https://www.medicsmoney.co.uk/gp-partnership-programme/ Follow us on Instagram Follow us on Twitter Disclaimer: The information provided in this content is for educational and informational purposes only and does not constitute financial advice. You should not rely on this content as a substitute for professional advice tailored to your specific financial situation. The value of your investments can go down as well as up. Past performance is not indicative of future results.

Student loans look like another mess that has reached a tipping point in Britain's shonky financial system.There are three different types of student loan plan that graduates could currently be on and one of them offers a particularly bad deal.Those who took out Plan 2 student loans, between 2012 and 2022, suffered fees being hiked to £9,000, face interest rates of RPI plus 3 per cent, and have seen the repayment threshold above which they lose 9 per cent of their income bounce around at the whim of governments.Meanwhile, lots of graduates are staring down the barrel of decades of a big extra chunk coming out of their wages, but then never actually clearing the debt before it gets written off after 30 years.As the reality bites of the student loans they signed up to at 18 - for an average post university debt of £50,000 - without properly realising the consequences, many late 20 and 30somethings are increasingly angry.Do they have a point and what can we do? On this week's podcast, Georgie Frost, Helen Crane and Simon Lambert talk student loans, what might happen, what we could do - and who should pay for university.Plus, what does the Bank of England holding rates mean for borrowers and savers.For those who aren't losing their spare cash to a student loan and have got on the property ladder, should you overpay your mortgage?The man who got his mortgage paid off in four years - and how he did it.What on earth is happening to bitcoin and why is it crashing?And finally, what are the rules on flexible Isas and putting money back in?

In this special joint episode of The Consumer Finance Podcast and Payments Pros, guest host Taylor Gess talks to Troutman Pepper Locke colleagues Stefanie Jackman, Caleb Rosenberg, and Jeremy Sairsingh about student lending and income share agreements (ISAs). They highlight the "One Big Beautiful Bill" and its sweeping overhaul of federal student loan repayment options and borrowing caps, break down differences between ISAs and traditional loans, and explain why state lawmakers and regulators are increasingly focused on these products. The episode also includes practical takeaways on licensing, servicing, and the potential future of credit reporting for private student loans and ISAs, offering industry participants a roadmap for navigating both federal and state-level changes. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In one of the rawest and most inspiring episodes yet, James and Keith sit down with Jeffery Mcgonigle, co-founder of Power Real Estate Group. From crying in his car to closing 560 deals and leading a 160-agent team, Jeffery shares how grit, structure, and clarity fueled his rise—and why "feelings aren't real" might be your new mantra.   They go deep on: The 3-2-1 method that every agent should be using Why most agents live in a fog of activity (and how to clear it) How he scaled with virtual assistants, ISAs, and dashboards Why clarity, not complexity, drives accountability The power of ambition and choosing the harder path on purpose   Whether you're brand new or running a big team, this episode will leave you fired up and focused on what matters.   Give your clients the competitive edge with Zillow's Showcase. Discover how this exclusive, immersive media experience featuring stunning photography, video, virtual staging, and SkyTour helps agents drive more views, saves, and shares. Agents using Showcase on the majority of their listings on Zillow list 30% more homes than similar non-Showcase agents. Learn how to stand out and become the agent sellers choose. https://bit.ly/4jIetOp   Zillow Zeitgeist 2025 https://www.zillow.com/learn/zeitgeist-2025/   Connect with Jeffery on LinkedIn.   Learn more about Power Real Estate Group on YouTube - Instagram - LinkedIn - Facebook or online at powerreteam.com.   Subscribe to Real Estate Insiders Unfiltered on YouTube! https://www.youtube.com/@RealEstateInsidersUnfiltered?sub_confirmation=1   To learn more about becoming a sponsor of the show, send us an email: jessica@inman.com You asked for it. We delivered. Check out our new merch! https://merch.realestateinsidersunfiltered.com/   Follow Real Estate Insiders Unfiltered Podcast on Instagram - YouTube, Facebook - TikTok. Visit us online at realestateinsidersunfiltered.com.   Link to Facebook Page: https://www.facebook.com/RealEstateInsidersUnfiltered Link to Instagram Page: https://www.instagram.com/realestateinsiderspod/ Link to YouTube Page: https://www.youtube.com/@RealEstateInsidersUnfiltered Link to TikTok Page: https://www.tiktok.com/@realestateinsiderspod Link to website: https://realestateinsidersunfiltered.com This podcast is produced by Two Brothers Creative. https://twobrotherscreative.com/contact/  

Top-producing real estate agent and team leader Corinne DeFilippis returns to the REDX Podcast to break down a smarter, more scalable way to use ISAs without burning out or losing control of your business. With over $100M in closed production and a business built primarily on outbound prospecting, Corinne reveals how she uses an ISA to pre-qualify expired listings so she can focus exclusively on high-level conversations and conversions. In this pre-recorded episode, agents will learn how to design an ISA system that protects time, increases quality conversations, and creates real leverage, whether you're a solo agent or building a team.Here's what you will discover in this episode…How to use an ISA to qualify expired listings so you speak with more motivated sellers in less time.Why agents must master outbound prospecting themselves before delegating if they want consistent results.How to scale from solo agent to team leader by aligning systems, roles, and personal capacity.JUMP TO THESE TOPICS

In this episode, Sara and Heather-Ravelworks kick things off with real talk before diving into one of the most misunderstood parts of real estate operations: Inside Sales Agents (ISAs) and Virtual Assistants (VAs). As hosts of the “F-word” podcast focused on real estate trends, they unpack what actually works—and what doesn't—when it comes to building and managing support teams. They share real client stories that highlight the importance of accountability, tracking outcomes, and setting clear expectations. From failed high-volume call strategies to overwhelmed agents drowning in leads, Sara and Heather explain why systems, SOPs, and intentional follow-up matter more than sheer activity. The conversation also explores client fit, boundary-setting, purposeful appointment setting, and how to treat ISAs as revenue partners—not task robots. Packed with practical frameworks, mindset shifts, and leadership insights, this episode is a must-listen for agents looking to scale sustainably, avoid burnout, and get real results from their ISA and VA teams.

It's another Meaningful Money Q&A, taking in the £100k tax trap, splitting pensions on divorce, safely switching investment platforms and much more! Shownotes: https://meaningfulmoney.tv/QA38    01:59  Question 1 Hi Roger and Pete, Long time listener, first time questioner. My wife and I have both earned in excess of £100k for a few years now, meaning I am acquiring a peculiar set of skills on the various ways to use pension contributions, rollover allowances, gift aids, etc to keep us both below the (entirely bananas) £100k cliff-edge each year. My question is on the £60k pension annual allowance. Does it only apply to the amount of pension savings in a given year which can be made without paying a tax charge, or does it also count as the maximum amount of pension deduction which can be taken to calculate net adjusted income as part of completing our tax returns? The (slightly over-simplified) situation in my mind is that if I earned £160,500 in a given year, I would prefer to pay £61k into a pension, thereby reducing my net adjusted income to £99,500 to stay below the cliff-edge, even if I had to pay 40% tax on the extra £1000 above the pension annual allowance. As a fun aside, I asked this to my preferred AI - and I leave a link to see if you agree with it's answer or not  - https://g.co/gemini/share/8c23e91cb658 Stephen 07:58  Question 2 Hello Pete & Roger Listen and enjoy all your podcasts regularly but every now and again you get one that addresses specific points to the individual listener. For me it was Podcast QA18. A really great podcast. 1. The 2015 changes to pensions made  significant differences to pensions and most financial experts have rightly advised using your pension as one of the best places to put savings. It does seem unfair that you plan your savings and pensions well in advance for retirement based on government rules. and then you you find you are likely to have a sizeable IHT bill. At 78 it is difficult to turn the ship around quickly. Many more people will be affected by this over the next decade. The main reason however for my question relates to ways to reducing the effects of this IHT change. The general allowances and the 7 year rule are all clear. However the main exemption that could help is the little used Gifts form Excess Income. I have read up as much as I can and the whole system seems rather vague and many things open to interpretation, even by financial experts. There is no clear and precise set of rules whereby you can be certain something is capital or income. Your executor will have to understand all this and have all the back up documentation to convince HMRC that the gifts are justified.  I do have excess income and spent significant time over the past weeks analysing all our expenditure and income sources ending up totally confused and with a severe migraine. Any advice on how best to handle this can of worms would be appreciated. 2) So many of us these days have children living in different countries with their families. All with different citizenship and residency situations in different countries. There seems to be very little information about  IHT and general tax issues in relation to gifts and inheritance of money and pensions for children and grandchildren in this situation.  Best regards, Peter   16:52  Question 3 Hello Roger and Pete, Thanks for a great series of podcasts. Some of them confirm what I already know and some give me insights, ideas and an understanding I didn't have. You provide a great service. My wife and I are 54 and 55. We are getting divorced. The divorce is amicable and we want to share everything evenly. I take home £5k/month and she takes home £2.3k. We will split this evenly as long as we both work. Our pension funds are not of equal value. I have DCs and SIPPs worth £800k and ISAs worth £100k. I also have a small DB pension that will pay out about £3k/year in today's money at age 67. My wife has a DC pension worth £210k and ISAs worth £220k. She has a DC pension that will pay about £2.5k/year in today's money at age 67. As you can see, the majority is in my name. This makes sense as I have worked whereas she has taken time off to raise our children. We have equal claim to the money in my mind. I think the ISAs are straight forward. We can balance the value by selling some of hers and investing more in my name. The DC pensions are more difficult. By right I should give her £295k to make them of equal value but how do we do this? We want to avoid expensive solicitors and accountants but are not sure if we can DIY this. Please share any advice you can give. Regards, Jay   25:43  Question 4 Hi Pete and Roger, Thanks so much for what you do with the podcast. It's completely changed my approach to my finances, especially over the last year which has felt even more important after the birth of my son. I have a question about investment platforms. I currently have about £70,000 invested in passive world index trackers via a platform. I estimate my total annual fees including fund and platform fees to be about 0.66% pa. I don't think this is terrible but I think it could be less. I'm considering transferring my investments (which is a mixture of stocks and shares ISA, LISA and (very small) SIPP) to a cheaper platform. Do you have an advice on the transfer process, especially in whether to transfer all the funds in one go or is there a strategy you'd recommend to avoid falling foul of market fluctuations? Thanks, Jack 30:47  Question 5 Hi Pete and Roger, You guys are the best. You've given me my only financial education. Never underestimate what a difference you are making to ordinary people's lives. THANK YOU. I am 42 years old saving into my workplace DC pension. I have a bit of a gap because I started late and then freelanced for a few years, so playing catch up, but thanks to you both, seeing the positives in this, rather than beating myself up. I am basing the 'gap' on not quite having 3x salary saved by age 42 - is that a decent rule of thumb? As you both say, arming people with knowledge can be a good thing and a bad thing, because armed with this new knowledge we can go off and overcomplicate things. I decided to pull my pension from the default fund and pick 6 funds. What's the best route for working out if I am paying too much in fees, if I have got too much crossover across funds, and if the more pricey ones are worth it?  Do I need to get financial advice or could I do this myself (being a complete layman obvs)?  Do you have any tips on the process of comparing, finding inefficiencies and consolidating? What's a reasonable number of funds would you say? 3? 1?  BTW I've done the same thing with my ISAs since they let us have more than one. How do you just pick one and stick with it, and not get distracted by the new shiny providers? It seems like newer, better products and platforms come out all the time. Or am I worrying unnecessarily and might it be ok to have fingers in many pies? Thanks again for all you do. Hayley 37:47  Question 6 Thanks for all the content, I listen to every episode and often share the pod with others to share the good word! My partner will soon be able to get her NHS pension. While we were looking at the numbers, I began to wonder whether there is any benefit in taking the maximum lump sum and investing it outside of the pension. My thinking was that she would probably be able to generate the same amount of income from investing it in the stock market, but that when she dies she will be able to pass the capital on, whereas her pension will just stop paying out. I think the maximum she can take is about £70k. Presumably she could put this in a GIA and feed it into an ISA over a few years, accepting that any gains in the GIA would be subject to tax. I just wondered if there were any other tax implications that I hadn't considered? If not, then presumably it's just a case of comparing the drop in the annual pension payment against the expected returns (after tax) from investing outside the pension? Would love to know your thoughts on this. Thanks again, and keep up the good work. Tim

Probate real estate leads respond better when your business follows a clear path instead of a mix of unfinished setups. If your leads keep coming in but your system to handle them still feels halfway built, this call helps you see what a complete structure can look like.This session walks through three clear paths for a probate business, the numbers behind a full partnership model, and what happens when a pipeline runs long enough to compound. You will hear how agents  and investors  can plug in their own data, how old lists can still support early months, and what changes around month six when systems, coaching, and lead flow all point in the same direction.This call fits you if...➡️ If you already have probate real estate leads and no clear follow through, then you need a simple way to see where each contact stands.➡️ If you keep going back and forth between building alone or joining a partnership, then you need to hear the economics explained in clear terms.➡️  If you want a business that can keep moving even when you are not prospecting at full speed, then you need to see how ISAs, mail, and resource packages support that outcome.Highlights and Hot Takes: 1:19 Three paths to running a probate business and how each one handles time, money, and support22:20 Using your existing data inside the system and what needs to be true about those leads26:08 Pipeline on autopilot, how calls, mail, and resources keep probate leads moving toward you39:15 Monthly economics for a full partnership and what that looks like in practical numbers46:00 Options for partners who stay beyond six months and how expenses can shift as results grow48:28 Split structure for investors who move deals through this model49:54 What happens if you decide to end mentorship or partnership once systems are in place53:14 Paths for running a lighter version of this setup when you want lower spend1:07:22 Expected outcomes once these systems are implemented and given time to workWhen this matches where you are with your probate real estate leads, watch the call with your own market in mind and decide which path you want to commit to next.

In another blow long suffering UK landlords, Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rental income profits in her budget, which will see the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher than the basic and higher rates of tax from April 2027. Frozen threshold bands until 2030 means most of us will pay more tax due to ‘fiscal drag'. Savers, family businesses and pensioners will also be hit, whilst the welfare budget heads towards £2 TRILLION. Watch full video here - https://youtu.be/O38dvXPp22k There were a raft of hikes including a mansion tax on properties worth more than £2 million, mileage charge on EVs Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2.8 million private buy-to-let property landlords.  See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s What This Means for You These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here.  https://pure-gold.co/charles-kelly 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

Welcome to the first podcast of 2026 where Roger and Pete answer more of your varied and interesting questions, covering everything from what to do when you've maxed out your pension and ISA, to whether you should borrow on your mortgage to invest! Shownotes: https://meaningfulmoney.tv/QA37   01:30  Question 1 Hello to Roger and his trusty sidekick Pete, Only kidding Pete, but it will make Roger feel good briefly. I must credit the pair of you for your continued dedication and commitment to educating the wider population on all things financial.  I have gone from strength to strength in planning my retirement with the guidance and abundance of free information you have provided, the books you have written Pete, as well as signing up to the Meaningful Academy Retirement Planning and now planning to retire several years earlier than originally intended. Using the information provided and learnt, I have got my finances in order but more importantly, that decision is to align my future life (and that of my wife) to the finances we need and when our needs are likely to be met, hence the realisation retirement is not as far away as we had originally perceived, so I really appreciate what you have done for me and my family. My question maybe very simple, but it was sparked during a previous Q&A session Listener Question – episode 20 - 30th July – Question 2 – The question surrounded company Shares. I am employed by BAE and I purchase company shares each month, partially as a sensible Tax saving being a higher rate tax payer (purchase them pre Tax) but also for the first £75 worth each month I buy each month, the company will match, so effectively £150 worth of shares which technically costs less than £50 in real money each month.  Now whilst I do sell some shares along the way (after the 5-year maturity to avoid tax payment), I continue to have a reasonable amount invested (£35k subject to tax relief period on some). A statement you made during the above session was "as a sideline issue we tend to say to people that investing in shares for the company you work for is a bad idea at any scale, thus to avoid backing one horse and it's not a good idea to hold onto shares for a company you work for." Now I thought I was onto a winner and being tax efficient and building an amount of money which I tap into on an occasional basis as well as additional source of income once retired, but are you implying, as you did to that listener, I might consider cashing some in and transferring the money else where? Perhaps in this instance it is suffice leaving it there, as the examples you gave were for smaller companies (in comparison) that folded, whereas BAE one of the larger Defence industry companies, doesn't appear to be going anywhere soon?  I do have a Royal Naval DB pension already paying out, as well as a part DB and part DC pension with BAE (continuing to build), so I'm not reliant upon the money, which is another factor why I've not considered moving them away or am I doing myself a bad deal, id value your opinions (not advice ha ha)? Thank you for your time Regards, John 08:02  Question 2 I'm 39, a basic rate taxpayer and I have a Lifetime ISA and a SIPP with HL. Can I save for retirement in my Lifetime ISA and invest in the same funds as my Pension after receiving the 25% bonus to achieve similar growth. Then at age 60, withdraw all that money tax free and pay it into my pension (up to my allowances and possibly using previous years) to gain the 20% tax relief just before I draw the pension? I would also save some money on platform fees as the LISA is 0.25% vs the SIPP at 0.45%. I know I can get cheaper platforms elsewhere but I find HL easy, intuitive, and feel like I can trust them with my money, which really encourages me to save in the first place. Thanks, Robert 13:40  Question 3 Hi Pete and Roger, Longtime fan and listener, thanks for all the great work you do! I'm 40 years old and a member of the LGPS DB pension scheme, which I've been paying into since my early 20s. My partner is also in a DB scheme (Central Government). We have no debt other than our mortgage. We currently live in a modest home we bought for £89k, but are thinking about upgrading to a bigger property for more space and comfort (no plans to have children). That said, we've enjoyed the low cost of living here. We've built up around £160k in savings, split roughly 40% in a Stocks & Shares ISA and 60% in Premium Bonds and cash. I've tried to keep the ISA intact as a form of flexibility/security around retirement, potentially to retire early or reduce hours in the future. The dilemma is: 1. Do we spend most of the savings on a better house and accept working longer? 2. Or do we stay where we are, keep our financial flexibility, and potentially one of us works less or retires earlier? 3. Or is there a sensible middle ground, spending some of the cash to improve our living situation while still preserving part of our financial cushion for future flexibility? We're just trying to balance quality of life now with freedom and options later, and would love to hear your take on it. Is there anything else we haven't thought about? Thanks so much for your thoughts! Gez   19:25  Question 4 Hi Pete and Rog, big fan of the show and I appreciate the helpful topics you cover. I am currently going through a remortgage and am extracting equity from our house to invest. The new mortgage rate is around 4% and our LTV will be around 80%. The additional monthly costs are within our budget too. My strategy is to invest the extracted amount in a stocks and shares ISA with my wife, utilising the £20k allowance each per tax year. This will be invested into globally diversified index funds. I have ran calculations on how much I will be paying in additional interest vs how much is probable from stock market returns. Over 25 years, the additional interest paid on £50k extracted at 4% is £29k Over 25 years, having invested £50k, I would need to return 1.84% to break even from this deal. This is due to the way mortgages are amortised via repayment vs the investments compounding positively. With conservative returns of 7% used, this will net £236k of interest. Am I missing anything here? Keep up the great work and I'm very interested to hear whether you have done this in the past. Stephen 26:40  Question 5 Hi Pete and Roger, Recent discoverer and now big fan of the show here - I have now caught up on all the Q&A episodes and am continuing to work my way through the back catalogue: a lot of material! My questions centre on tax-efficient options once ISAs and pensions are maxed out, and how to "bridge" savings if retiring before pension-age. I am 36, married and have 2 young daughters who are the apple of my eye. We have a very manageable mortgage and I benefit from a very well paid job. However, an extremely stressful period last year sent me on the track of better understanding personal finance (and ultimately finding you) in order to achieve financial independence and not need to tolerate that kind of situation ever again, as well as be free to dedicate my time and energy to things without worrying about how much money they pay. 1) I am trying to get to functional financial independence (i.e. paid work is entirely optional) as soon as possible - I now max out my annual pension and ISA allowance each year and am likely to continue to in the future. Are there any other normal vehicles I can use for additional saving and investing? Giving money to my wife to use her ISA allowance? Anything else? I don't want to overpay the mortgage for the next several years as we managed to get a fixed rate that is below the current rate of inflation. 2) I have a good understanding of our essential and discretionary spending, and with a conservative annualised rate of return I could theoretically stop contributing to my pension pot in the next 7ish years and compounding would mean it would be big enough to fully support us once we can access it. My question is - is there a good rule of thumb or approach for working out how much I need to save outside the pension if I wanted to stop working for money before 57? Is it just a case of working out # years x expenses or is there anything more sophisticated to it? 3) bonus question - feel free to cut if it doesn't fit: I'm familiar with the idea of asset allocation and rebalancing to "smooth the ride" for my portfolio. Most things I've read or listened to have focused on equities vs. bonds. When I was looking at a number of bond indexes recently the returns have been pretty flat, often 4% from a cash ISA, what's the point of the bonds? Am I missing something? Thanks so much for all the knowledge you put into the world, giving people the tools to look after themselves. The chat is pretty great too! Kind regards, Martin 37:18  Question 6 Hello Pete & Roger Thank you for your fantastic materials, so well explained. We're 62. We already have a standard pension pot Annuity and we have around £300,000 in savings in building society accounts. (We value peace of mind over the potential for big gains, so we're not really considering stocks and shares). We're wondering whether, rather than rely entirely on savings accounts, it would make sense to use a Purchase Life Annuity. With current annuity rates, it looks like that's a Yes, so we're curious what your expert view is on this. We're aware of the downside: that it leaves us without much of a savings pot for any unexpected very large need. Have watched the Annuities: Back from the dead? video - https://www.youtube.com/watch?v=alTTzrd2NbY -  which talked about buying an annuity with pension, but in our case it would be Purchase Life Annuity, so does that make a difference when purchasing an annuity? Thank you again! Moira  

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: how do I deal with my mounting debt? Is student loan paid before or after tax (and should I set up a direct debit if I'm close to paying it off)? Can someone take over my ISA allowance when I die? Plus, we have a student loan success story, and just how does Martin manage to do 26,000 steps a day? If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you've always wanted to know his favourite seaside town, if he'd ever go to space, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

In this week's AJ Bell Money & Markets podcast, Charlene Young and Laura Suter are joined by AJ Bell's markets expert Martin Gamble to unpack the biggest stories affecting investors. First, they look at Nvidia's latest moves on chip sales to China [01:22] and the escalating bidding war for Warner Brothers [03:10]. Martin also highlights the top stories in this month's Shares magazine [05:43].  Switching to personal finance, Charlene and Laura explain the changes to cash ISAs announced in the Budget [07:28], and Laura dives into new AJ Bell data revealing the nation's “secret spending” habits [15:17].  Finally, we bring you the next batch of Investival interviews: Dan Coatsworth talks to Russ Mould about the good, the bad and the ugly of 2025 markets and what he expects for 2026 [19:28], and Alex Wright from Fidelity Special Values on the UK market's strong performance, the banking sector, and a surprising investment in a sofa seller [25:22]. 

Martin Lewis tells you everything you need to know about ISAs - the Cash, Stocks and Shares, Help-to-Buy, and Lifetime varieties – as well as what ISA changes in the budget means for you. Martin talks about the government consultation on replacing the Lifetime ISA and tells you if it's still worth it. Plus, you tell us your cheap Christmas magic tips, Mastermind is all about car insurance renewal, and do you know where your stopcock is? If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you've always wanted to know his favourite font, what his go-to coffee order is, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.

It's episode 600 of the podcast, not that we're doing much to mark that milestone! We have some excellent questions today, taking in retirement planning, getting a mortgage if you have a new business and how flexible ISAs work! Shownotes: https://meaningfulmoney.tv/QA35  02:43  Question 1 Hi Pete, I'm a single household, due to pay my mortgage off in my early 50's….I have very little savings and pensions are everywhere and been 'balanced fund choices' as I either do self employed work or fixed term contracts. I'm really concerned I won't have 'enough' to retire.  Where do I start to know how much I need? I don't have an extreme fancy lifestyle but want to live comfortably with running a car, having a nice home and having a holiday every few years. I would also like to help my siblings out if possible when they need it. Also for your business…..have you thought of making it an 'employee owned trust' in the future?  This could be a good option if you don't want it swallowed up by larger organisations and want to keep a people focussed culture. Thanks, Anna 12:57  Question 2 Hi Pete and Roger Recently discovered the podcast and it's been really helpful in getting my thoughts straight about future planning - thank you! My job gives me a DB pension that as it stands will give me £4617 per year at 67 - for every year I work that will go up by one 54th of my salary, (£57k) so £1055 annually if I stay at the same grade. Increased by cpi plus 1.5% annually at the moment; and by CPI only once in payment. I can exchange part of this for a lump sum when I take it but that's a decision for another day! I'm projected for full SP at 67 after another 2 years contributing. I have £30k in a pensionbee that I'm adding to £100 a month, and after listening to the podcast I have started an AJ Bell SIPP (vanguard lifestrategy 60% equity) which I'm adding £200 a month to. Also working on the cash ladder/emergency fund - currently just £5k in a cash ISA I am hoping to get this up as much as possible. After overpaying mortgage and contributing to PensionBee/SIPP I can save £200 in a good month. I am aiming to retire as soon as I possibly can after 60, when the kids will all be in their 20s. I am sure this seems impossible but might as well aim high!!! So my priority is to build for the years between 60 and 67. And leave something for the kids, eventually! So…my question!! I have an old tiny deferred DB pension that I can take at 60, £3461 lump plus £1153 per annum (no option to take either a smaller or larger lump sum). I can't trivially commute this due to the rules of the scheme. As it's deferred there are no other benefits eg death in service. Or,  I can take this now (age 53) with a reduction for early payment so it would be worth £3076 lump and £869 per annum.  The pension increases each year by CPI while deferred and also when it's in payment. Does it make sense to take now, and put lump and monthly payment into either mortgage, or SIPP,  or cash ISA? And if so which - SIPP gets me extra 25% from the gov as it's under pension recycling amount? But £3k off my mortgage now might be better. Cant get my head around the maths of this...but my gut feel is it would be working harder for me in my hand despite the fact I'd be taxed on the annual amount? I'd make sure that with my work and personal contributions I stay in 20% tax band and reclaim from HMRC when I do my tax return. Sarah  19:39  Question 3 Hi Pete and Roger, great show and love the new format to allow listeners to ask lots of questions. My question is around pension inheritance. When a person dies and passes a DC pension to a spouse or child, does the inheritance remain in the pension wrapper when it passes on or does it lose its pension wrapper status which allows the person inheriting to use the cash as they want without the pension restrictions? Many thanks, Kavi   26:04  Question 4 Hi Pete I've been watching your videos and listening to your podcasts for about two years now and I'll start by thanking you (and the youthful Mr Weeks) for the public service you provide outside your paying work.  I have what I think is a simple question, but I don't seem to be able to find a definitive answer on-line. I retired about this time two years ago at the age of 62 so I'm 64 now.  I have a DC pension in the form of a SIPP which is currently worth a little more than £600k.  I also have a similar amount in savings (some in cash, some in an S&S ISA).  I live on a combination of the income provided by the cash and the S&S ISA, plus a series of small UFPLSs taken roughly quarterly from my SIPP throughout the tax year. At this stage the SIPP withdrawals are relatively modest (totalling maybe 12k a year, of which of course 3k is tax free).  My intention is to continue doing the UFPLSs at roughly the same rate, possibly increasing a little as a result of inflation.  State pension will add another 12k or so to my annual income in 3 years so that will likely reduce the need to increase my SIPP withdrawals for a while.  My SIPP is currently growing faster than my rate of withdrawal. I understand that the maximum tax free cash I can have out of my pension in my lifetime (under current legislation) is £268,275 and obviously at my current withdrawal rate, I'm not getting to that total anytime soon.  However if I've understood the rules correctly (and I may not have), I think my ability to have tax free cash once I reach the age of 75 goes away.  If that's true, presumably I need to crystallise my SIPP pot just before I reach age 75, taking a quarter of it or my remaining LSA (whichever is smaller) as a tax free lump sum, at which point the remainder turns into an entirely taxable (crystallised) draw down pot?  Alternatively, have I completely misunderstood what happens at age 75 and I can continue to do UFPLSs (with 25% tax free) until the cows come home, or I reach the LSA, whichever is sooner? I don't think it's relevant to my question above but just for background, I have a wife who inherits everything if she survives me, or a few nieces and nephews and charities that benefit if she doesn't.  We have no children of our own. Keep up the good work gentlemen. Regards, Robert   31:05  Question 5 Hi Pete My son, who has never been a saver (apart from workplace pension) and never seems to have any spare money (single dad, renter) is in the process of going self employed with a colleague. If all goes well, he has a chance to make a reasonable income, not be hand to mouth and periodically take lump sums as a company director. E. G £5k to £10k starting in a couple of years. My question is not about the viability of the business but this business will open up the prospect of my mid 30's son, David, owning a house while I am alive. As in, building up a deposit as dividends are paid. It may take several years and then, I assume, he would have to go through the pain of a self employed mortgage. An area that I know nothing about. In effect, he is just starting out, but we would be really interested in your thoughts about the longer term aim of buying a house. Many thanks again for your wonderful books and podcasts Helen   37:55  Question 6 Hi Pete & Roger, I continue to recommend your podcast to others.  Please keep up the excellent work.  My question is on the process of using flexible Cash ISAs.  I cannot find any worked examples online and a few IFAs I have approached suggested kicking back the question to the ISA provider but I would appreciate your thoughts. My wife and I have £200k in flexible cash isas.  We plan on using these funds for a house purchase.  Should I reduce the balance to zero, can I top the ISA back up to the full £200k provided the money goes in and out of a 'flexible' cash isa (and is within the same tax year)?  I would be in a position to do this following the sale of some investment property.. And the second part of the question would be can the money move freely between a stocks and shares isa and a flexible cash isa eg £200k in a flexible cash isa moved into a stocks and shares isa > then back to the flexible cash isa. We are both higher-rate tax payers and I won't drop a tax bracket in retirement so I feel the ISAs are the most useful savings bucket we hold. Take care and all the best. Stuart  

In the wake of an extraordinary Budget – leaked an hour before the Chancellor addressed Parliament – The Spectator brings clarity to a turbulent political and take stock of how the announcements will impact you.Michael Simmons speaks with John Porteous of Charles Stanley and James Nation, formerly of the Treasury and No. 10, to discuss how the events unfolded and the deeper implications for long-term financial planning, taxation and market confidence.The conversation explores whether the government's approach represents a credible fiscal strategy, what savers and investors should infer from changes to ISAs and pensions, and whether concerns about a growing UK ‘brain drain' are justified.This podcast was created in partnership with Charles Stanley; editorial control remained exclusively with The Spectator. Hosted on Acast. See acast.com/privacy for more information.

Today on the show - cash ISAs are changing following a much-anticipated reform announced in the Budget. What does it mean for savers, and where else might they have to turn to get the steady cash-like returns they’re seeking? Host Ed Monk is joined by Jemma Slingo to provide a well-balanced take on the latest financial developments together with expert insights to help you grow your capital, manage your investment portfolio and make the most of the money markets. Popular for its jargon-free approach, clear analysis and fresh perspective, The Personal Investor podcast helps shine a light on the latest market developments for the savvy UK investor.See omnystudio.com/listener for privacy information.

There isn't one formula for a Probate Real Estate Business...there's a landscape.Some agents lead with relationships and build steady referrals.Others prefer systems: consistent mail, structured calls, or ISAs managing first contact.Each path works for a different reason, shaped by personality, timing, and focus.In this discussion, Bruce Hill maps out five approaches that agents are using right now to build predictable probate pipelines:1️⃣ Referral-based partnerships2️⃣ Mail-focused outreach3️⃣ Call-forward strategies4️⃣ Combo models blending mail and calls5️⃣ Automated ISA setups for scaleYou'll hear where each model fits, what challenges come with it, and how other agents shape their business around it.By the end, you'll know which setup makes the most sense for how you actually like to work.⏱️ Timestamps4:23 — Different Business ModelsOverview of how five models fit into the Probate Real Estate Business landscape.28:36 — ISA Valuation & KPIsHow performance tracking keeps ISA roles fair and productive.47:44 — When Clients Can't Afford MaintenanceHow service-first gestures build credibility that leads to listings later.

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Thinking about leaving the UK for a better tax deal or a simpler life? We unpack the real calculations behind that decision—from inheritance tax worries and wage inflation to VAT shocks and the tightening margins that push many principals to the brink. Dan Klein, owner of Hive Accountancy in Cornwall, joins us to share what he's seeing across hundreds of dental clients: frustration is real, but so are the misconceptions about relocation and tax.We dive into why the “move and save” story is often oversold. There's no overnight fix; meaningful tax advantages tend to require multi‑year planning, residency commitment, and a clear picture of where you'll live, when you'll sell, and how you'll invest. We explore why some dentists commute from Dubai, where that model makes sense, and where it falls apart. If you're eyeing a big exit, timing and structure matter more than hearsay—and the best results come when your personal life actually fits the place you plan to call home.Not everyone needs to move. We talk candidly about dentistry's “middle age,” where easy growth has faded and operating discipline wins. For some, the smarter play is to stay, run a tight practice, or even step back to a high‑performing associate role while maximising pensions, ISAs, and diversified investing. We compare active vs passive approaches, how to avoid silver‑bullet thinking, and the mindset required to hold through market dips without panicking. Whether you stay or go, the path to a calmer, wealthier future comes from clarity, patience, and a plan you'll actually follow.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

As ever the big-picture choices in the Budget dominated media coverage - but some of the most interesting changes were buried in the detail. From electric vehicles to tourist tax, how much do these quieter tax shifts really matter?In this episode, we dig into the lesser-noticed policies: why the government is offering upfront EV grants while planning a per-mile tax, how tweaks to salary sacrifice and cash ISAs could shape saving behaviour, and what the changes to EIS and EMI mean for investment and entrepreneurship. Joining Helen are Stuart Adam and Ben Zaranko from the IFS to break down what's changed, why it matters, and what the “devil in the detail” tells us about the government's tax strategy.Become a member: https://ifs.org.uk/individual-membershipFind out more: https://ifs.org.uk/podcasts-explainers-and-calculators/podcasts Hosted on Acast. See acast.com/privacy for more information.

In another blow long suffering UK landlords, Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rental income profits in her budget, which will see the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher than the basic and higher rates of tax from April 2027. Frozen threshold bands until 2030 means most of us will pay more tax due to ‘fiscal drag'. Savers, family businesses and pensioners will also be hit, whilst the welfare budget heads towards £2 TRILLION. Watch full video here - https://youtu.be/O38dvXPp22k There were a raft of hikes including a mansion tax on properties worth more than £2 million, mileage charge on EVs Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2.8 million private buy-to-let property landlords.  See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s What This Means for You These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here.  https://pure-gold.co/charles-kelly 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

We're getting into the groove of doing video podcasts now, and today we have another mixed bag of questions. They include the tax implications of moving abroad, whether to start a pension in your 60's, whether it's possible for a pension fund to be too big and lots more besides! Shownotes: https://meaningfulmoney.tv/QA34    01:24  Question 1 Hi Pete and Roger Thanks for the fantastic podcast, YouTube videos (and book) I have learnt so much. My question is essentially about whether to overpay my mortgage or invest. I have watched Pete's videos on this subject but just wanted to check if my situation changes anything. I'm a 41 year old Firefighter and I am in the Firefighters Pension Scheme. I am recently divorced and as such have had to start again with a 25 year mortgage currently fixed for 5 years at 4.1%. Essentially should I focus on overpaying this mortgage so that it is definitely paid off by the time I am 60 (When I can retire from the Fire service) as I already have the DB Firefighters Pension. Or would I still be better to invest this money in a stocks and shares ISA and use it to pay off the mortgage at a later date? My disposable income for whichever option would be around £200 a month. Lastly I will probably continue working past 60 yrs old but it may be in a different profession as by that age I may not feel like dragging hose and climbing ladders anymore! Thanks again, James   05:33  Question 2 Hi Pete and Roger, I've been listening to your brilliant podcast since COVID, so around 5 years now and always look forward to the new episode coming out. I don't really have a financial related question for you, more some advice... I've tried to educate my daughter on personal finance and I think she now has a good grasp and is interested in becoming a financial advisor. She is now 19, has decent A levels and has just completed an Art foundation course. She has University offers for September which she has deferred as she really doesn't want to go! We live in West Kent (nr Tunbridge Wells) and I've been looking for trainee, bottom of the rung, Financial advisor jobs for her but I can't seem to find anything. She could commute to London, if required but would rather stay local if possible. Do either of you have any suggestions about how she might be able to get into the industry? We're happy to pay for courses of that helps her but not sure what would be best. Sorry for the long email, any advice would be very gratefully received. All the best and keep up the great work Matt and Belle Hart   13:23  Question 3 Hello to Pete and Rog, Thanks for the podcast so far, my family is in a much sounder financial footing since I've started putting into action some of the basics you've spoken about previously. ISAs, pensions and insurance all ticking along nicely now - thanks to you! I have a question about my pension, is it possible to add too much? My thoughts are, if my pension pot in today's money is worth £1.25m when I retire, I can take the 250k tax free and £40k a year thereafter, anymore than this and I would be paying 40% tax on my drawings. Are there benefits I'm missing of having a larger pot (say £2m)? Not one I need to worry about yet, if at all, but it's always puzzled me! Many thanks for the content, keep up the good work and enjoy the sunshine this weekend! Adam   18:30  Question 4 Hi Pete & Rog, Have been a long time listener and have loved your double act with the self effacing banter alongside sound, sensible guidance on the minefield that personal finance can often seem to be. Listening whilst walking the dog is like chewing the fat down the pub with a couple of great friends, So my situation is this... 47 years old, married with two kids (11/14). Myself and my wife both have good jobs, own jointly (own names) 8 x BTL properties generating a profit. Equity in Portfolio is about £400k Portfolio was built to provide additional income and to support us in retirement (either the income or by selling) We have our own home (mortgaged) and are in the process of moving to a bigger place as we're growing out of where we are. This will come with a bigger mortgage as we're scaling up so to minimise the increase in monthly payments we're increasing the term back to our state retirement ages (which is a bit depressing!). So our ideal plan is to have the "choice" to semi retire / work as much or little as we want by age 57 - so around 10 years from now but we are not sure whether this is realistic and the best way to set things up to achieve it if it is. We would probably still work part-time beyond 57 but would want to have other sources of income that could support a comfortable lifestyle. To add to the complexity, but in a good way, I'm also in the process of changing jobs and the new job comes with a £20k pa pay rise and a matched pension at 6%. This is obviously lower than my current employers scheme but I plan to at least match what currently goes into my current employer pension one way or the other. So after what must be one of the longest pre-ambles you've ever read here are my question(s): In terms of where we are now do you think getting to a position where we have a choice to retire/semi retire in 10 years is realistic and what are the key things we should be doing now ten years out taking into account our circumstances? How would you approach the pension situation with my change of employer, my thought was to make contributions to my private pension to cover the overall reduction (9% matched to 6% matched) between employers so that I'm still putting in 18% overall. I think I may be able to put as much as I like into my new employers scheme though (but they'll only match 6%) so would this be a better option? In terms of our mortgage in 10 years it will still be around £350k so we would want to reduce this significantly or even pay off in full at that point. My thought was to sell 5-6 of the BTL's over 5 years leading up to age 57 to pay it down however this obviously reduces our passive income from the portfolio and we'd pay a chunk of CGT along the way. Are there any better ways of achieving the same result? I hope I haven't broken any rules around length of email and number of questions, I can only hope you'll treat this with your customary humour and patience! Keep up the great work guys. Best Regards, Nick 25:15  Question 5 Hello Pete and Roger -I'd like to say how your podcast has really helped me to focus on preparing for retirement ,so thank you . My question is I'm in my early 60,s I have 2 x Db pensions which will pay about £22000 Pa immediately if I choose , a full state pension at 67 and I have no mortgage and cash savings of £235000 half of which is in cash ISAs. My DB Pensions and state pension will be enough for my life style . I may move home next year hence the large cash savings and also because I recently divorced and that's how the settlement added to that figure. It was a coercive relationship and I'm so worried now I hold too much cash as I never had my own money to invest in a pension. Prior to the marriage and children I did work and pay into a pension which will provide half of the DB pension as stated earlier but that all stopped when I married. Should I start a personal pension now so close to retirement if I know I'll have spare cash to pay the max £3600 inc tax relief to take advantage of the tax relief and build up a pot not for income necessarily but for care home fees /inheritance tax costs for my two young adult children? Or shouldn't I worry? Many thanks for your help. Charlotte. 30:13  Question 6 Dear Pete and Rog, Thank you so much for your incredibly valuable podcast. I've learned a great deal from it and really appreciate the clarity and insight you bring to complex financial topics. Can't wait for the Youtube version to finally see what Rog looks like!  I had a question that I hope you might be able to shed some light on. My wife is from Slovakia, and we're likely to retire there in the future with our two children. I understand that capital gains tax and inheritance tax are both zero in Slovakia. However, I've read that UK-situs assets remain within the scope of UK inheritance tax even after leaving the UK, and that these would seem to include UK-domiciled OEICs such as the Vanguard LifeStrategy 100% fund, which I currently hold in a general investment account. Would it therefore make sense to consider switching from the LifeStrategy 100% UK domiciled fund to an Ireland-domiciled ETF such as the Vanguard FTSE All-World UCITS ETF (VWRP)? Would doing so resolve the issue of UK IHT exposure on those Situs assets? Or transferring the UK OEICs to a global investment platform, would that work (seems too easy to be true)? Any other tips to look into before making the big move abroad? Thank you very much again for your time, and for all the invaluable information you share! Please keep it going ! Best regards, John  

Buried in the Budget's “boring” fine print is a sweeping overhaul of ISAs, new stealth taxes, and rule changes designed to squeeze anyone living off their assets. So, what's really changing and what can you do to protect your money? And in today's Dumb Question of the Week: Is now the time to emigrate? --- Thank you to Trading 212 for sponsoring this episode. Claim free fractional shares worth up to ‎£⁠100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link: Sponsored Link. Terms apply - trading212.com/join/RAMIN When investing, your capital is at risk and you may get back less than invested. Past performance doesn't guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply. ---Get in touch

Webinar: See what your contacts are doing on Zillow - Mon, Dec 8 - https://followupboss.zoom.us/webinar/register/WN_-jOL8Gu3TZ2IWR_atbijlA#/registrationWhat if your biggest mistakes became the blueprint for your next business?That's exactly what Marissa Canario is doing with Apex Realty Group, which she's building from Milwaukee, Wisconsin. After building a 7th-level insurance agency and after opening 168 markets (yes 168!) as a real estate leader on a national expansion team, Marissa's now taking lessons learned to build again - with deeper obsession and a clearer value prop.She shares the key to improving both agent experience and client experience. She details her segmented approach to onboarding (and re-onboarding) agents. She explains the pitfalls to avoid in market expansion and when to know if you're ready. And she shares a vision of teams getting larger and larger in the years ahead through mergers and acquisitions.Watch or listen for Marissa's insights into:Why obsession with agent experience and client experience drives successWhat was required and what was learned by opening 168 markets in a real estate team expansionHow to improve communication and get more done by meeting people where they areHow to turn past mistakes into a tighter, more focused model with a clearer value propositionHow Marissa's segmenting and improving “one of the most important factors of your entire foundation and one of the most difficult to get correct” … agent onboardingWhy to celebrate more (and more specific) agent milestonesAI and ISAs as new leverage points for real estate teamsWays to make technology amplify rather than replace real estate agents (and what that means they should focus on)How self-awareness, network strength, and sufficient capital set you up for market expansion successWhy mergers and acquisitions will drive larger teams and what your participation in that growth might look likeAt the end, learn about the value of integrity, the ends of toilet paper rolls, the bottoms of shampoo and ketchup bottles, and fewer business books.Episodes mentioned:→ AI Voice and Texting with Kyle Draper and Tiffany Gelzinis→ Redefining the Role of the Real Estate Team Leader with Keith Anderson→The Roll-Up Strategy for Business Growth with Sam KhorramianConnect with Marissa Canario:→ https://www.instagram.com/marissacanario/Connect with Real Estate Team OS:→ https://www.realestateteamos.com→ https://linktr.ee/realestateteamos→ https://www.instagram.com/realestateteamos/

In this Mark and Pete Budget Special, our intrepid duo dive into the chaos, comedy, and quiet despair of Britain's latest economic rumblings. First up: the OBR leak that spilled early forecasts across Westminster like a carelessly opened hymnbook, revealing sluggish growth, stubborn borrowing, and a government hoping nobody notices the fine print. Then it's on to the endlessly controversial mansion tax, where homeowners panic, politicians posture, and Mark calmly explains why half the country is suddenly checking their Zoopla valuation with sweaty palms.Pete brings the theological lens, Mark brings the economic logic, and together they explore the growing maze of ISAs, the rise of salary sacrifice, and the lingering chill of the threshold freeze — Britain's favourite stealth tax. Along the way, expect dry humour, a touch of pulpit wisdom, and a brutally honest look at how ordinary people will fare as the nation stumbles forward.Finally, the pair unveil their fateful fiscal forecast: a wry yet hopeful prediction of Britain's economic future, mixing biblical perspective with British grit. Faith meets finance, wit meets wisdom, and listeners get a sharply insightful guide to navigating the quirks of the UK economy.

Morse code transcription: vvv vvv Extraordinary discovery at Orkneys Ness of Brodgar Neolithic site Nine ways the Budget could affect you if youre under 25 The real reason Reeves is making you pay more tax US suspends immigration requests for Afghans after National Guard shooting Celebrity Traitors star Ruth Codd recovering after second leg amputation Budget analysis Chancellor chooses to tax big and spend big Isas, cars and pensions how the Budget affects you and your money Paul Doyle Nice neighbour behind Liverpool parade carnage Australia shark attack Woman killed and man injured in New South Wales Asahi says more than 1.5 million customers data potentially leaked in cyber attack

Morse code transcription: vvv vvv US suspends immigration requests for Afghans after National Guard shooting Celebrity Traitors star Ruth Codd recovering after second leg amputation Nine ways the Budget could affect you if youre under 25 Paul Doyle Nice neighbour behind Liverpool parade carnage Isas, cars and pensions how the Budget affects you and your money Extraordinary discovery at Orkneys Ness of Brodgar Neolithic site Australia shark attack Woman killed and man injured in New South Wales Budget analysis Chancellor chooses to tax big and spend big The real reason Reeves is making you pay more tax Asahi says more than 1.5 million customers data potentially leaked in cyber attack

Morse code transcription: vvv vvv The real reason Reeves is making you pay more tax Budget analysis Chancellor chooses to tax big and spend big Extraordinary discovery at Orkneys Ness of Brodgar Neolithic site Paul Doyle Nice neighbour behind Liverpool parade carnage US suspends immigration requests for Afghans after National Guard shooting Celebrity Traitors star Ruth Codd recovering after second leg amputation Australia shark attack Woman killed and man injured in New South Wales Isas, cars and pensions how the Budget affects you and your money Asahi says more than 1.5 million customers data potentially leaked in cyber attack Nine ways the Budget could affect you if youre under 25

Morse code transcription: vvv vvv Paul Doyle Nice neighbour behind Liverpool parade carnage Nine ways the Budget could affect you if youre under 25 US suspends immigration requests for Afghans after National Guard shooting Isas, cars and pensions how the Budget affects you and your money Extraordinary discovery at Orkneys Ness of Brodgar Neolithic site Australia shark attack Woman killed and man injured in New South Wales Asahi says more than 1.5 million customers data potentially leaked in cyber attack Celebrity Traitors star Ruth Codd recovering after second leg amputation Budget analysis Chancellor chooses to tax big and spend big The real reason Reeves is making you pay more tax

What to Expect in the November UK Budget — And 5 Tax Hikes Rachel Reeves Might Impose to fill her ‘BLACK HOLE' As Chancellor Rachel Reeves prepares to unveil the November 2025 UK Budget, all eyes are on her to plug a fiscal black hole of £20–30 billion through tax rises and spending cuts. (Reuters) Despite Labour's manifesto pledges not to increase income tax, National Insurance (NI), or VAT, Reeves has already hinted that taxes on the wealthy will “be part of the story.” (The Guardian) The Institute for Fiscal Studies warns against a “dash for revenue,” urging her to use smart, targeted reforms. (The Guardian). Below are 5 likely tax rises she might deploy: Capital Gains Tax (CGT) Increase or Removal of ReliefsReeves may bring CGT rates closer to income tax levels or abolish favourable reliefs, especially for high-value assets. (The Guardian) National Insurance on Rental Income / Professional ProfitsApplying NI contributions to landlord earnings or profits from legal firms and consultancies is under consideration to broaden the tax base. (The Guardian) Inheritance Tax (IHT) ReformsProposals include removing the residence nil-rate band, narrowing exemptions, and taxing agricultural estates more heavily. (The Guardian) Cash ISA Allowance ReducedReeves could cut the tax-free cash ISA limit from £20,000 to £10,000 or restructure cushions to funnel savings into investments. (MoneyWeek) Council Tax Surcharges & Higher BandsIntroducing surcharges on high-value properties or adding new bands (G/H) is on the table to raise billions without touching core rates. (Institute for Fiscal Studies) What This Means for You These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. Watch full video - https://youtu.be/jITL4nOmBEo The Chancellor could also tinker with pension allowances and the tax free cash element of pension pots, which would be disastrous for savers approaching retirement age. Watch our upcoming episode on the Charles Kelly Money Tips Podcast where I break down each tax move, what it means for you, and how to legally protect your wealth. Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here.  https://pure-gold.co/charles-kelly 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

After another momentous tax-raising fiscal event from Rachel Reeves, this week we're running the rule over the 2025 Budget, with its further freezes to tax thresholds, the scrapping of the two-child limit on benefits, reforms to savings, pensions and ISAs, as well motoring and property taxes, and a host of cost-of-living measures too.Oh and the fact the whole thing was leaked by the OBR half an hour before the Chancellor stood up in the Commons to deliver the thing...To discuss all that and much more on this bumper episode we're going to hear from the Shadow Chancellor Mel Stride, Treasury minister Lucy Rigby, economists James Smith from the Resolution Foundation and Carsten Jung from the IPPR think tanks, as well as Labour MP Yuan Yang, who sits on the Treasury select committee.To sign up for our newsletters click herePresented by Alain Tolhurst, produced by Nick Hilton and edited by Ewan Cameron for Podot

Morse code transcription: vvv vvv Paul Doyle pleads guilty to Liverpool parade charges We make 100,000. The cut to cash Isa limit is a big blow Hong Kong residents react as deadly fire tears through housing estate The real reason Reeves is making you pay more tax Income tax thresholds How the chancellor just took a chunk out of your future pay Mystery over flood disaster leaders missing hour in Spanish car park Isas, cars and pensions how the Budget affects you and your money Arrests at farmers central London tractor protest When is the Budget and what could Rachel Reeves announce Millions to pay more in tax as Reeves says Budget is tackling cost of living

Morse code transcription: vvv vvv Isas, cars and pensions how the Budget affects you and your money We make 100,000. The cut to cash Isa limit is a big blow Income tax thresholds How the chancellor just took a chunk out of your future pay Millions to pay more in tax as Reeves says Budget is tackling cost of living When is the Budget and what could Rachel Reeves announce Paul Doyle pleads guilty to Liverpool parade charges Mystery over flood disaster leaders missing hour in Spanish car park The real reason Reeves is making you pay more tax Hong Kong residents react as deadly fire tears through housing estate Arrests at farmers central London tractor protest

Morse code transcription: vvv vvv The real reason Reeves is making you pay more tax Hong Kong residents react as deadly fire tears through housing estate When is the Budget and what could Rachel Reeves announce Millions to pay more in tax as Reeves says Budget is tackling cost of living Mystery over flood disaster leaders missing hour in Spanish car park We make 100,000. The cut to cash Isa limit is a big blow Isas, cars and pensions how the Budget affects you and your money Arrests at farmers central London tractor protest Income tax thresholds How the chancellor just took a chunk out of your future pay Paul Doyle pleads guilty to Liverpool parade charges

Morse code transcription: vvv vvv The real reason Reeves is making you pay more tax Paul Doyle pleads guilty to Liverpool parade charges Mystery over flood disaster leaders missing hour in Spanish car park Arrests at farmers central London tractor protest Isas, cars and pensions how the Budget affects you and your money Income tax thresholds How the chancellor just took a chunk out of your future pay Millions to pay more in tax as Reeves says Budget is tackling cost of living When is the Budget and what could Rachel Reeves announce Hong Kong residents react as deadly fire tears through housing estate We make 100,000. The cut to cash Isa limit is a big blow

Welcome to another show full of questions form you, the audience and hopefully some meaningful questions from Pete & Roger. This week we have questions about paying school fees, becoming a financial adviser, how to invest an inheritance and lots more! Shownotes: https://meaningfulmoney.tv/QA33    01:15  Question 1 Good morning Pete & Roger, Thank you for a great podcast, been really enjoying it over the years and it's been no end of help for me. My question concerns my grandchild. She was born in America but now lives in the UK, is duel nationality. As grandparents we were hoping to put money aside into a savings account for her. Now obviously we thought the JISA but as she is born in America we can't do that.  Is there any advice for how we can save for her in the most tax efficient way for her, conscious that she is quite young. If we can put some money away now regularly, it could build up into a nice little nest egg for her.  Also hoping to do this for other grandchildren, not necessarily born in America.   Any advice gratefully received. Mike. 05:48  Question 2 Hello Pete & Rog Wow these Q&As just keep delivering incredible value -keep up the great work!   I'm 52 and my wife is 43. We're both higher-rate taxpayers contributing to a DB-DC hybrid via salary sacrifice. We'd like to retire together in 12 years (me at 64, my wife at 55—she has a protected pension age). We both have a DB pension and a DC pension. Combined we have emergency fund of £30k in Cash ISA, no S&S ISA. Observations: - Once both DB & State Pension are in payment pay, planned spending of £60k p.a. is fully covered. - My ability to draw DC within the basic-rate band post-State Pension is limited, as DB 33k p.a. - My wife has much more scope to use her DC tax-efficiently before her DB/State Pension start. - Likely outcome: large residual DC balances if we only withdraw what's needed to spend. Question: Would it be sensible to draw more from DCs early (using UFPLS at ~15% effective tax) and reinvest the surplus in S&S ISAs? This could: - Lock in withdrawals at basic-rate tax before DB/State Pension restrict allowances - Reduce the chance of paying higher-rate tax later - Diversify across ISAs (which we intentionally lack currently) Am I letting the "tax tail wag the investment dog," or is this just  pragmatic tax-efficient planning? Cheers, Dunc   09:05  Question 3 Hi, Thank you both for your financial wisdom! It has definitely lit a fire under me! My husband and I (41) would like financial independence at 50. We have received £120k early inheritance gift and also plan to sell 2 rental properties over the next 5 years to reduce commitments (a further approximate £250k post CGT) We are mortgage free and I have since filled our stocks and shares LISA and ISA, investing in 100% equity low cost global trackers. Other than investing the remaining in a GIA and transferring to ISAs each year are there any other options to help money grow over the next 9 years. We may continue to work at 50 but under our terms. We need sufficient to tide us over from 50-57 when we can consider access to Pensions and the LISA at 60. Thanks Amy 12:18  Question 4 Dear Pete & Roger, Thank you so much for all the work you do on YouTube, on the Website and on the Podcast, it really does make a difference to people's lives and long may it continue! I'm 36 years of age, and I currently work as an Aircraft Technician, which I somewhat enjoy. However I find the older I get, the harder it is to keep up with the physically demanding nature of the job, and fear this may become more of an issue further down the line. This has prompted me to think about my future employment. Engineering has been my whole life, and my curiosity for learning and my persistent quest for personal development has resulted in me becoming a fully qualified Car Mechanic and Aircraft Technician. I have also achieved a BSc (Hons) in Motorsport Engineering & Design! However, my race car days are over, and in a way I feel like I have "completed engineering" to the best of my ability, and I am eager to take on a new challenge! I have always been interested in finance (some would say I talk about nothing else!). I've always kept on top of my own personal finance (thanks to yourselves), and try to encourage/empower others to take control of theirs. The past few months I have been thinking of self-studying (whilst remaining in my current employment) for the AAT Level 2+3 in Accountancy, however the more I think about it perhaps Financial Planning is more my cup of tea? I love working with numbers, working with and helping people, planning for the future etc, however I worry I lack the necessary confidence and people skills to become a successful advisor. So I guess my questions are: 1. How do you become a Regulated Financial Planner? 2. Is it possible to self-study for the CII Level 4 in Regulated Financial Planning whilst remaining in employment? Or would you advise against this?  3. Are there any pre-requisites to studying for the CII L4 in RFP?  4. Would an Accountancy role be more suited to someone who does not possess great people/communication skills? 5. Could a RFP qualification open doors to work in industry as a FP&A as oppose to personal finance?  6. Anything else you wish to add for clarity?  Both your opinions are highly regarded. Keep up the great work! Kind Regards, Tom 23:55  Question 5 To the wonderful Pete and Rog I am a long time listener with my husband .  the podcast and videos have been invaluable in developing our understanding of personal finance  - translating complex issues into an accessible format so that people like me can get to grips is a real skill and thank you sincerely! My husband and I are 53 and have quite late become parents to beautiful twin daughters who just started secondary school (and are learning how to slam doors and stamp feet... you know that age...) anyway back to us, we are both employed, my husband is a higher rate tax payer and I am on the lower rate band. Because of some specific issues with the kids development needs we have decided to prioritise their education and to put them in our local small independent school where there is excellent specific support for them.  They started in September and were paying £45k per annum.  just typing that number scares me! To support the fees we moved house and extended our mortgage.  This given us c100k for fees and alongside significant monthly savings out of our income (1.5k) has given us capacity to support the fees for the next three years, however it won't be enough to take them through to GCSEs. We're feeling weighed down by our mortgage which is now significant although supportable because of our salaries.  It leaves us very little capacity for savings or luxuries like holidays. We realise this is our choice! Up until this point we have been relatively disciplined paying into pensions.  My husband has DB pension scheme which will pay circa 50k a year from the age of 61 (he has been paying in since 21) and one of those good, connected DC pots which should have circa £350,000 in by 61.   the 350k can be used to provide the TFLS as it is connected to the DB scheme.  So, we know when my husband retires, we will have capacity to clear the current mortgage.  But this can only be accessed at 60+.  I have a smaller pot which is £180k currently.  I'm paying in £150 month which is as much as I can afford. We need to make a planning decision about how do we afford the 5 years of fees not just the next 3?  the decision is imminent as we have to renew our mortgage in the coming months.  We have we think two options (excluding selling a kidney or two). 1. To further extend the mortgage. This will mean we push back possibility of retirement even further and will certainly use up all £265k of TFLS from husbands pension.... and gives us a problem of repayments - further squeeze. or 2. we wondered whether we could use my pension fund? The idea we had was to use tax-free cash from my pension to support the fees. I will be 55 in November 2027 and we think we might be able to get c £50,000 to use as a TFLS. - Is the drawing my tax-free lump sum a real option? It feels like the only way we might access funds other than the mortgage. - what impact would that have on my pension does it mean I can't continue to contribute to the pot? - Finally, how might we evaluate the pros and cons of the two options? we suspect there is no right or wrong answer but if anyone can offer a few wise words it would be the dynamic duo - thank you're the best. Katherine 31:50  Question 6 Hi Pete and Roger I love this show. There's so much great information and it brings me comfort to know so many people are making similar decisions to me and I seem to be on the right path! My question is about property vs index funds. I am about to inherit about £100k and am wondering what to do with it. I invest in global index funds every month so would be comfortable DCA-ing (pound cost averaging) it in over a few months. But, I do not own a property. So, I could buy a 2-3 bed property in Kent with approx. £150k mortgage and rent out a room to take advantage of the rent-a-room scheme. I am fortunate that my job provides my accommodation so I do not pay ridiculous rent and so do not need a property. Would you choose index funds or property for growth over the next 10-15 years? I'm located in Kent. Thanks for sharing your thoughts. Ceara

The Chancellor, Rachel Reeves, has announced tax rises worth £26-billion in her Budget, which will take the government's overall tax take to record levels by the start of the next decade. Also: There's a hit on pension contributions, cash ISAs and high-value properties in England. And Ms Reeves confirms the abolition of the two-child benefits cap, in an attempt to lift children out of poverty.

In this episode of the REDX Podcast, we feature Frederick Howard, Assistant Team Leader at Keller Williams South Bay in Los Angeles. With over 20 years in real estate and a passion for technology, Frederick reveals how AI is transforming agent productivity and client communication. From automating inbound and outbound calls to creating seamless appointment systems, he shares how embracing AI can free agents to focus on higher-value tasks and scale their business faster than ever.Here's what you will discover in this episode…How AI-driven phone systems can help real estate agents capture every lead and never miss a call again.Why integrating AI into your real estate business gives you a competitive edge in efficiency, follow-up, and client experience.The proven three-part formula Frederick teaches agents to grow their business—waiting for it, paying for it, or going after it.JUMP TO THESE TOPICS00:40 –

The ISA isn't the answer. It's the question.

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: how to open savings accounts with limited ID, is there a way to make more cash from ISA bonuses, can I end my broadband contract if I'm moving house and does Martin prefer spaghetti hoops, or alphabetti spaghetti? If you've got a question for Martin on absolutely anything and everything, you can ask him in his Question Time podcast! Email your question to MartinLewisPodcast@bbc.co.uk.

Some excellent questions this week, as always, and with the added bonus of moving the podcast onto YouTube! Join Pete and Rog as they answer questions about finance management apps, investment platform selection and transitional tax-free allowance certificates! Shownotes: https://meaningfulmoney.tv/QA32  01:39  Question 1  Hi Pete and Roger    Thanks so much for all the work you do, I've only found the podcast recently but already enjoying learning more and thinking about things differently.   My question relates to saving for retirement and specifically the period leading up to retiring.  Nearly all of our (mine and my husband's) pensions are in SIPPs where we have been happy to be 100% equity, in global index funds. We are now maybe 7-10 years from the point where we could retire, and I've been able to research withdrawal strategies to the point where I'm confident managing that when we get there.  We have determined our target asset allocation split between equities / bond funds / individual gilts and money market funds for the start point of retirement. I haven't been able to find much information about the period of transition from 100% equity to the asset allocation we want in place for the start of retirement.  Obviously it's a balance between reducing exposure to volatility as we approach retirement and accepting a drag on the portfolio caused by the increasing allocation to cash and bonds and my instinctive (but not evidence-based!) approach would be to gradually move from one to the other over a number of years.  So my question is this - is there a better approach than just a straightline shift from one to the other?  How far out from retirement is it appropriate to start making the transition?  The best advice I can find online is just to pick whatever makes you feel comfortable and do that but surely there must be some more robust guidance out there?  I appreciate it might not be a one size fits all answer but would appreciate your thoughts on how to approach this. The one piece of advice I do seem to have found is that however we decide to do it, to stick to a predetermined schedule to avoid temptation to try to time the market - does that sound sensible or have I missed the mark on that? Thanks so much for any help you can give. Fran   08:28  Question 2 Hello I listen to your show when out on walks and find it helpful for somebody who struggles at times with pension planning I am 55 and myself and colleagues were told we had to leave the Final Salary pension scheme in 2019, the flipside being we would still have employment and our final salary pension would be triggered at reduced age of 50, although we would only get the years paid into rather than the magic 40 years which would give 40/80ths of your final salary. So, for me , mine was triggered in 2020 and it was around 32/80ths (paid in since age 17), and I still remain in employment. At this time I received a statement saying my pension had triggered, I had opted for the smaller lump sum (we had two options and some took the larger sum).  There was no option to not take a tax free lump sum. I received a statement from the pension provider and it stated I was using 57% of the LTA Now,  since 2024 the P60 I receive from the pension provider annually now shows how much of the LSA I have used, this shows an amount of £153k , which equates to the same 57% , this time of the tax free lump sum allowance of £268k   (I have rounded the figures). However, the actual lump sum I received was £80k - so should I not have £199k left to use up ? As I got my lump sum prior to 2024 and it is far lower than the standard calculation used to generate £153k used figure , do I not have any protected rights and able to dispute this ?   It seems unfair that others who opted for double the tax free lump sum I received will be treat the same as myself regarding what tax free lump sum they can get in future  (We all pay into a company DC scheme these past 6 year, with a different provider). I have read about Transitional Tax Certificates but unsure if they are relevant to my scenario. I was unsure if the onus is on myself to take some action, or if the above is correct and that is how it works. Any advice would be appreciated and may help others in a similar scenario also. Many thanks, Jason   13:15  Question 3 Hi both, Thank you for all the great content, my question relates to financial planning as a couple. My partner and I are getting married next year and plan to combine finances at that time. We will also be looking to buy our first home in the next few years. Aside from some lifestyle creep, we are both 'good' with money and have worked with monthly budget systems before. We are looking for a system to help us manage our *total wealth/finances* on a larger scale as opposed to the majority of online finance spreadsheets which focus more on monthly budgeting. Do you have any recommendations for spreadsheets or software to help us keep track of the 'big picture' i.e. emergency fund, pensions, ISAs, investments. We WILL be seeking financial planning but are keen to keep track of this stuff ourselves. We would be happy to update spreadsheets quarterly, but not get bogged down in tracking specifics of bills etc! Best, Maddie   18:44  Question 4 Hello Pete and Roger, The older of my 2 sisters has been diagnosed with a terminal illness at the early age of 46 and because of the late stage diagnosis the timescales could be as short as 3-6 months without treatment. Myself and my other sister have been looking through her work pension/ finances to sort out her estate to get everything looked after for her only daughter, who is under the age of 18. She works for a government department and after reading the small print with her pension/ employment contract her estate would be about £130k worse off if she continued to be on sick leave but employed compared to taking medical early retirement. We have advised and started the process to get the lump sum and early retirement pension for my sister, as she is unlikely to benefit from the higher yearly pension payouts of around 23k vs 15k with £100k lump sum. My younger sister is applying for power of attorney as my older sister is too unwell to deal with all the admin and is becoming very forgetful with her condition and medication. My sister's entire estate will be around  £300k, we are concerned about my niece inheriting such a large lump sum at the age of 18. We are considering setting up a trust so that the money can be fully invested and paid out in smaller staggered lump sums to her on a 6 month or 12 month basis, just to get her used to dealing with larger sums of money and when she needs a Deposit for a house etc this will be available. Are there any reasons not to go down the Trust route and would this even be practical? Are there other options? We have been thrown into the deep end trying to make the best decision and could use your advice. I'm 38 and if I'd have inherited such a large lump sum at the age of 18, I probably would have blown it on expensive cars and motorcycles and have had some great fun in my 20's, but probably would have little left to show. Regards Mark   24:03  Question 5 Hi Pete and Rog Long time fan here! Love the accessibility of your information in the pod and the books! I've learnt a huge amount. But.... I still have a probably rather stupid question... I have a SIPP with funds in a Vanguard Global Index fund with Interactive Investor. It's taken a bit of a battering, but I'm hopeful it will grow in the next 10 years! My question is, how does it grow? I keep reading about interest and the magic of compounding, but it seems to me that there is no interest in an index fund? I dabble for a while with a dividend specific pie on Trading 212 and clearly saw dividends being paid to me on a regular basis, but this doesn't seem to happen with the Vanguard fund. What is it that's compounding? Please can you explain (as if I was a child!) how and why the fund grows and (hopefully) keeps gaining value over the long term? Many thanks! Alex  29:34  Question 6 Hello Pete and Roger, Great podcast! We are all very aware of costs eroding returns over time. On reading the Sunday Times review of investing platforms (8th June 2025 entitled, *'Switch investing platform and save £30k*'), this would seem to advocate changing platforms as funds increase to minimise costs. However, what this article doesn't go into is the flexibility on each platform to invest in individual shares / ETFs etc. Please could you and Roger give your insightful views about investment platform selection and particularly keeping with the most cost effective platforms as invested funds grow in value.  Thank you for helping so many of us! Ivana

Merryn Somerset Webb sits down with Richard Staveley, manager of the Rockwood Strategic, to unpack why UK smaller companies are so unloved—and why that may be a big opportunity. Richard explains Rockwood’s playbook: concentrated, benchmark-agnostic, value investing with hands-on “constructive engagement” to unlock change. They cover liquidity myths, the impact of passives and private equity, and where he sees near-term catalysts—plus what could reignite IPOs and domestic flows (think ISAs, pensions, and momentum).See omnystudio.com/listener for privacy information.

Martin Lewis gives you his savings interest Masterclass, helping you maximise every penny. He covers cash ISAs, fixed savings, regular savers, putting money away for a home, how savings tax works, how safe savings are, and more! If you have a question for Martin, you can ask him in his Question Time podcast! Email your question to MartinLewisPodcast@bbc.co.uk and you could be on the show!

Send us a textSir Lancelot Lennard shares his journey from arriving in America with just $300 to building a real estate empire with over 200 deals and $100 million in sales in Florida. He reveals the systems and mindset shifts that transformed him from an overworked agent handling every aspect of his transactions to the CEO of a growing real estate organization.• Arrived in America with just $300 after working on cruise ships where he met his wife• Built a real estate business doing up to 48 deals per year as a solo agent• Experiencing physical stress symptoms from handling every aspect of transactions personally• Transitioning from agent to CEO by implementing systems and strategic delegation• Creating a business structure with ISAs, buyer's agents, and transaction coordinators• Prioritizing morning routines with 5:30 AM gym sessions followed by sauna• Using real estate investing to create a lifestyle allowing his wife to be a stay-at-home mom• Generating business through consistently working his database of 6,000-7,000 contacts• Expanding into contracting to diversify his real estate-focused business modelFind Sir Lancelot on social media as Sir Lancelot the Realtor or The Sir Lancelot Group, and check out his podcast, The Real Estate Round Table. Thanks again for listening. Don't forget to subscribe, share, and leave a FIVE-STAR review.Head to Dwanderful right now to claim your free real estate investing kit. And follow:http://www.Dwanderful.comhttp://www.facebook.com/Dwanderfulhttp://www.Instagram.com/Dwanderful http://www.youtube.com/DwanderfulRealEstateInvestingChannelMake it a Dwanderful Day!