Podcasts about isas

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.

This episode looks at the private client impact of the Autumn Budget, featuring Jodie Barwick Bell, Private Client Partner at Azets. Jodie explains how the changes affect property owners, wealthy families and business owners, exploring what the new rules mean for investments, inheritance tax and the broader planning landscape. The conversation covers cover property income tax increases, structuring options, investment portfolios, ISAs, family investment companies, dividend changes, EIS opportunities, the new council tax surcharge, inheritance tax reform, estate planning, trusts, pension changes and what families need to prepare for ahead of April 2026. +++ Fresh Perspectives is the business podcast from Azets – where advisers, experts, and leaders share fresh thinking to help you move forward with confidence. Each episode explores real-world challenges and opportunities for business owners and entrepreneurs, from finance and growth to leadership and technology. Formerly Bang The Drum, the show continues Azets' commitment to sharing practical advice, new ideas, and inspiring stories from across the business community. This podcast has featured at #1 in the Apple Podcast charts for Management podcasts and #19 in the Apple Podcasts charts for Business podcasts. Follow and subscribe to Fresh Perspectives on your favourite player, leave a review and share it with others who you think might enjoy it. Find more about Azets at www.azets.com. Contact us at podcast@azets.co.uk.

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

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.

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

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

Should I overpay my mortgage or invest? Should I prioritise my pension or my ISA? And how can I move money between different ISA accounts?We'll be answering all these, and much more, on today's episode - we hope you find it helpful!---⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Want to feel confident investing from the UK?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Now, I know that it's not easy to start investing with confidence.We both made mistakes at the start of our investing journeys that cost us thousands of pounds.This is why we poured all the knowledge accumulated over the years into creating the 6-week investing roadmap that we wish we had at the start.We've already helped over 2,500 people feel confident with their investments.

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.

In this episode of the STARTrading Podcast, Lewis and Sophie dive into how trading can be tax-free in the UK and what taxation looks like in other countries. Lewis is clear he's not anti-tax, but anti over-taxation and the mismanagement of public money, and explains that UK traders can legally trade tax-free either through certain ISAs (within annual limits) or, more powerfully, via spread betting accounts where you don't own the underlying asset, so profits are treated as gambling and not taxed. They highlight that this tax-free treatment applies to personal accounts rather than company accounts, that there's a grey area if trading becomes your only income, and strongly encourage listeners to speak to a tax advisor about their own situation. They also touch on how different countries tax trading (often via capital gains after a tax-free allowance), how some places offer low or zero tax with the right structures, and why the main focus should always be learning the skill of trading first, with tax efficiency as an added advantage. Throughout, they link trading back to freedom, choice of where and how to live, and the idea that for most people in their community, trading is a powerful, often tax-efficient side income alongside their normal job or business. Hosted on Acast. See acast.com/privacy for more information.

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

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

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

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

In this special Budget edition of Let's Talk Finance, Gary and Marcus cut through the speculation and noise to focus on what the Autumn Budget really means for your money.With rumours swirling in the days before the statement, they explain which changes actually landed, which never materialised, and why this Budget is best understood as a slow-burn set of reforms rather than a sudden shock.They explore the quiet impact of frozen income tax thresholds, why fiscal drag will affect far more people than many expect, and how pensions remain one of the most powerful planning tools despite years of headline anxiety. From salary sacrifice and childcare thresholds to tax-free cash, ISAs, dividend tax and savings income, this episode brings clarity to some of the most misunderstood areas of personal finance.There is also a close look at property and rental taxation, the new high-value homes surcharge, and the sudden change to employee-owned trust exits for business owners. Finally, Gary and Marcus return to inheritance tax, outlining what did not change, what remains in motion, and what families should now be doing before future reforms arrive.Measured, practical and grounded in real-world planning, this episode is about replacing fear with facts and using the next twelve months wisely.To discuss your own circumstances, visit kdw.co.uk or speak to an independent financial adviser.Disclaimer: This podcast is for information only. Please seek independent financial advice tailored to your personal situation.For tailored advice and support, visit kdw.co.uk or come and see us in the heart of St Albans. Hosted on Acast. See acast.com/privacy for more information.

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

Explore what the Autumn Budget 2025 means for you, from tax freezes and ISA cuts to changes in savings, dividends, pensions and key investor updates.This podcast isn't personal advice. If you're unsure what's right for you, seek financial advice. Pension and tax rules can change, and benefits depend on personal circumstances. Investments can fall as well as rise in value, so you could get back less than you invest. Hosted on Acast. See acast.com/privacy for more information.

This week, a special episode as we react to The Budget with a practical, business-owner lens, plus some light-hearted “Chancellor's Tipples” trivia before diving in. Key takeaways: a 2% rise in dividend tax and a 2% rise on property and investment income; cuts to the Employee Ownership Trust (EOT) capital gains relief; changes to pension salary sacrifice arrangements; frozen income tax and NI thresholds that create stealth tax rises through inflation; a significant national minimum wage increase; tweaks to apprenticeship funding; and tighter rules on cash ISAs for under-65s. We explain how these measures affect profit, cash flow and business strategy—highlighting that many changes penalise personal wealth drawn from businesses, could push landlords toward limited companies, and make tax planning and accountant conversations more urgent than ever. Overall verdict: while the Budget wasn't as harsh as feared, it signals a shift toward taxing personal wealth and freezing thresholds that will squeeze business owners and employees over time; the episode closes with listener-focused next steps.   ⭐ Rate, Review & Share this episode with fellow business owners, and let's grow together! ⭐ Subscribe to the weekly newsletter to get Expert Advice Straight to Your Inbox: https://www.profitcashgrowth.com/subscribe ⭐ Get a Free copy of Claire's book Profit By Numbers: https://www.profitcashgrowth.com/book   VALUABLE RESOURCES Website LinkedIn YouTube Facebook ABOUT THE HOST: Claire Hancott through Profit Cash Growth helps 6 & 7 figure business owners to increase their profit, improve their cashflow and grow their business using their numbers. As a finance director & chartered management accountant, Claire has nearly 20 years' experience in finance and running businesses of her own. This gives her a unique insight into the information and support business owners need to grow a financially successful business. Claire passionately believes that every business should be run by the numbers because the numbers in your business are telling you a story about what is and isn't working and where your opportunities lie. Claire's mission is to provide insightful management accounts, reports and advice to business owners and support them to make smarter decisions.    *The content of this podcast is for entertainment purposes only and does not constitute professional advice.

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 Medics Money podcast, Ed Cantelo and Andy Pow discuss the recent budget announcements made by Chancellor Rachel Reeves. They delve into the implications of tax changes for healthcare professionals, including income tax thresholds, property income tax rates, and changes to ISAs. The conversation also covers NHS spending plans, pension taxation, and the introduction of new vehicle exercise duties. Ed and Andy provide insights into how these changes may affect listeners, particularly those in the medical field. 00:00:00 Introduction and Overview 00:00:00 Income Tax Changes 00:00:00 Property and Dividend Tax Updates 00:00:00 ISA Allowance Adjustments 00:00:00 NHS Spending and Pension Updates 00:00:00 Vehicle and Council Tax Changes 00:00:00 Conclusion and Listener Impact

The long-debated Renters' Rights Bill has finally become law in the UK, marking one of the most significant shake-ups in the private rental sector for decades. The new Renters Rights Act 2025, which received the Royal Assent on 27 October 2025, gives tenants stronger protections, abolishes Section 21 ‘no-fault' evictions, and introduces stricter rules on property standards and rent increases.  Local authorities will have new powers to demand documentary evidence of compliance and enter a landlords rented residential accommodation (without a warrant in some cases) within two months of the new Act say the NRLA.  Watch full video - https://youtu.be/L6j4EXV1_Cs Other new rules coming in because of the Act include:  Introduction of 15 new offences that can see landlords issued with civil penalties.  Increase in the maximum civil penalty fine that can be imposed of up to £40,000.  Six new offences that can result in landlords facing a rent repayment order.  Increase in the maximum claim period for such orders, with tenants now able to claim back up to two years of rent payments for breaches.  Key Implementation Dates: Investigatory rights for local authorities  From 27th December 2025  Part 1 – changes include, end of fixed terms and Section 21, new possession grounds From 1st May 2026 PRS Database and Ombudsman Late 2026 estimated Decent Homes Standard Date to be confirmed Here are 5 things landlords can do to survive the Renters Rights Act: Review Your Tenant Agreements – Ensure all tenancy contracts comply with the new legal framework. Outdated clauses could make you non-compliant and exposed to penalties. Focus on Quality Tenants – With longer tenancies likely, good tenant relationships are vital. Screen tenants carefully and maintain communication. Incorporate Your Property Business – Many landlords are now using limited companies for tax efficiency, expense flexibility, and better mortgage options. Diversify Your Portfolio – Consider shifting into HMOs, serviced accommodation, leasing to a company or local authority or commercial units for stronger returns and lower regulatory impact. Seek Professional Advice – For instance by joining the NRLA. Stay informed. Property tax planning and compliance advice can save thousands each year under the new regime. Is the buy-to-let rental property sector dead? Wounded by successive ‘landlord bashing' governments, but NOT dead! The Renters Rights Act may be challenging, but proactive, informed landlords can still prosper by adjusting early and managing smarter. 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 See also: Brace Yourself: 5 Tax Hikes Coming in the UK Budget 2025 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 If you are stuck in the Section 24 trap and need professional advice, email Charles@CharlesKelly.net #RentersRightsBill #RentersReformAct #UKLandlords #BuyToLet #PropertyInvesting #LandlordTips #PropertyTax #Section21 #UKHousingMarket #CharlesKellyPodcast #MoneyTips #rentersrightsact2025

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 –

Steve Caplin discusses the way the University of Vienna got details of 3.5 billion people from Whatsapp in the largest data leak in history. He was mystified by the in-built questions for Laura, Skoda's in-car AI. More worrying is the misleading financial advice AI has been giving about ISAs and travel insurance. Among gadgets Steve does not recommend are a tiny Kodak camera for a keychain, a Swiss Army knife for baristas and an acoustic camera that detects the source of a sound. And, disconcertingly, he reports that one in five teens apparently find it easier to talk to chatbots than they do to people. Learn more about your ad choices. Visit podcastchoices.com/adchoices

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!

Martin Lewis takes you through the seven banks willing to pay you to switch, what it means for your credit score, joint bank accounts, overdrafts and how some make £1,000s doing it. Plus, you tell us if university was worth it. We discuss rumours that the Chancellor may cut the cash ISA limit, plus an update on car finance misselling. You can get in touch with the team by emailing martinlewispodcast@bbc.co.uk – make sure to send in your burning questions and any successes you've had following Martin's advice

You need a cross-border advisory team to navigate complex international tax laws before it's too late. Investing in pre-planning before moving to a new country is crucial to avoid financial pitfalls. This week, you'll hear from Holly Caulder - dual-qualified U.S. and U.K. tax advisor at Buzzacott, and Aidan Grant – U.K. tax and estate planning attorney at Collyer Bristow as they unpack the financial logistics of moving between the U.K. and the U.S.   Host Richard Taylor - dual U.K./U.S. citizen and Chartered Financial Planner leads a conversation alongside Holly Caulder and Aidan Grant, delving into the complexities faced by British expats navigating the U.S.-U.K. cross border financial landscape. They explore common planning opportunities and the essential role of a coordinated cross-border advisory team.   In this episode, Richard, Holly & Aidan explore: When residency for tax purposes starts. The critical timing of tax and legal planning before moving to the U.S. Reporting requirements for non-U.S. financial accounts and the consequences of ignoring them. The issue of Passive Foreign Investment Companies (PFICs) and how they are taxed. Challenges with holding ISAs in the U.S. and unexpected U.S. tax implications. Complications and opportunities in estate planning across borders, especially involving trusts.   More about We're The Brits In America: With the right financial advice, landmines that threaten expat wealth can be avoided. Often encountered by U.S. -connected expats, these financial landmines are more numerous, more hazardous, and less understood than almost anywhere else in the world. As a result, non-cross-border professionals, wealth advisors, and even international advisors are often unaware of them. But don't worry, We're The Brits In America has you covered.  We're The Brits In America is dedicated to helping ambitious U.S.-connected expats and immigrants navigate those challenges — and thrive. Whether you've moved to the U.S. for opportunity or are an American seeking adventure and growth abroad, our job is to equip you with the tools and insights you need to succeed. -- We're The Brits In America is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas.

British business Volution (FAN) provides ventilation and air systems, and its shares have increased by a fifth thanks to the acquisition of an Australian business Fantech. Michael Fahy unpacks how investors reacted to the latest results, what is driving demand, and its broad geographical spread. The CMA investigation into the veterinary market is still ongoing, and CVS (CVS) has paused its UK acquisition programme while it ticks on. Julian Hofmann examines the company's results, its strategies for maintaining business growth, and its current valuation. Last up, Alex Newman delves into the world of bitcoin, the topic of this week's Big Read. From the FCA's reversal on DIY investors buying and selling crypto exchange traded notes (ETNs), to the eligibility in Isas and Sipps, listen to find out everything you need to know about bitcoin buying.Timestamps 01:14 Volution07:17 CVS15:49 BitcoinCVS pivots to Australia as UK expansion stalls amid CMA probeThere's a new way to buy bitcoin – but is it safe? Hosted on Acast. See acast.com/privacy for more information.

Brits poured more than £100 billion into ISAs last year — yet two-thirds is just sitting in cash. Are we simply risk-averse or are there structural problems discouraging us from investing? And in today's Dumb Question of the Week: Does cash have zero volatility? --- Thank you to Lightyear for sponsoring this episode. Sign up for a new account on Lightyear and get up to $115 worth of a US fractional share of your choice! Claim your reward when you use this link: lightyear.com/pensioncraft or enter the code PENSIONCRAFT manually in the Promotions section. Capital at risk. ISA rules apply. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms. ---Get in touch

Turning Savings into Wealth — Inside Chip's Fintech Playbook UK fintech is entering a new chapter. While funding slows, savers poured £103bn into ISAs — proving that trust, not downloads, is the real currency.In this episode, Arjun speaks with Alex Latham, Co-Founder & CMO of Chip, one of Europe's fastest-growing fintechs, on:- The future of UK fintech beyond banking apps- How Chip grew from a crowdfunded startup to a wealth platform managing billions- Why trust, community, and AI will shape wealth management

When most agents think about increasing their online lead conversions, they picture tech: CRMs, ISAs, AI automations, and endless drip campaigns.  But the uncomfortable truth is, none of it has actually moved the industry's conversion rate. Despite all the shiny new tools, agents are still struggling to turn leads into clients. The real problem isn't the lead source, or the CRM or the tech you're not using. It's your mindset and activity. Too many agents label leads as “bad” because the timeline is longer than they'd like. Too many make one or two attempts, then drop the lead into automation and wait. And too many assume the next CRM or campaign will be the breakthrough.  Buyers don't want better drip emails; they just want more contacts. How can you increase lead conversion without spending more money?  In this episode of Level Up, we unpack the counterintuitive secret to online buyer lead conversion. It's not about better tech, and it's not about finding the perfect lead source.    Things You'll Learn In This Episode  “Bad leads” aren't bad, just mistimed Most leads labeled as bad are really just further out in their timeline. What happens when you stop dismissing long-term leads and start treating them as future clients? Attempts beat apps every time Conversion skyrockets when you commit to 10+ real contact attempts instead of relying on automation. How much money are you leaving on the table by stopping at two calls? Speed to lead closes deals 73% of buyers hire the first agent they speak with. How do you build a system so you're always the one answering first? Real ROI comes from activity, not tech Tech tweaks give you fractions of improvement. Human persistence gives you multiples. Why are agents chasing 0.2% bumps instead of 5x results?   About Your Host Greg Harrelson is a real estate agent, coach, trainer and owner of Century 21 The Harrelson Group. He has been in the real estate business for over 30 years and has been professionally trained by coaches like Mike, Matthew, Tom Ferry, Chet Holmes and Tony Robbins. He is in the top 1% of all Realtors nationwide. His goal is to empower his clients with the information necessary to make sound financial decisions while being sensitive to the experience one is looking for in real estate ownership. The Harrelson Group has been the leading office in the Myrtle Beach real estate market for years and they have recently added a new office in Charleston, SC.   Guest Host Abe Safa is a highly experienced real estate expert with over two decades in the industry. He is a key leader at Century 21 The Harrelson Group, where he specializes in helping clients navigate complex real estate transactions with ease. In addition to his role at Century 21, Abe is a sought-after mentor and speaker, sharing his expertise through seminars and coaching programs to help other agents succeed in the competitive real estate market.   Check out this episode on Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you! 

It's another packed and mixed bag of questions here on Meaningful Money. Today we deal with Seafarer's pension contributions, tax-free cash on DB pension schemes and annual allowance calculations. Plus we give some thought to the evolution of the show… Shownotes: https://meaningfulmoney.tv/QA25    01:10  Question 1 Hi Pete and Roger Many thanks for all that you do.  I am a long time podcast listener and happy client of Jacksons. I am currently playing catch up on the current series and have a couple of thoughts on points raised in two episodes. In episode 3 - there was a question on pensions and the answer included the point that when making contributions to a scheme they are generally paid net and the scheme reclaims basic rate tax from HMRC.  Just to say that this is not always the case.  My employer recently moved its scheme to an Aviva master trust.  I wanted to make a lump sum co tribute. Ahead of the tax year end.  However I found that the scheme could only accept gross contributions and I would have to reclaim the tax myself.  As it was quite a decent sum and I preferred not to wait for the tax I made the contribution into a different scheme. In episode 7 you had a question about moving abroad.  The point we made that you can't continue to contribute to UK tax favoured schemes when abroad which is correct.  However there is another watch out in that ISAs in particular may be subject to income tax in the new country of residence - as they were when j lived in the US.  It is therefore critical to get advice so you can make the right choices when moving abroad All the best, Richard 05:06  Question 2 I have been listening to your podcast for the last 5 or 6 months. Like so many of your listeners, I have spent many hours catching up on your early episodes, no longer do I watch movies or drama series or wildlife programmes. I listen to Pete. Your advice has been priceless. However, I do have a question that I seemingly cannot find the answer to. Perhaps, I already know the answer, but am putting my head in the sand because I do not like it. I know that the pension tax free lump sum is limited to £268,275 and I believe that this applies to the total taken from multiple pensions. I retired from the police in 2013 as a chief inspector. I took the maximum lump sum available at the time which was £206,000. I started a new job with the NHS and am paying into the NHS 2015 scheme. My projection on retirement from the NHS at age 67 suggests that I can expect a lump sum that combined with my police pension lump sum will take me well beyond £268,275. I have seen some articles on line about lump sum protected allowances, but do not know if this is something I can access. Clearly, if all I can take from my NHS pension is £62,275 I will be paying 40% on a greater proportion of my pension in payment. I suspect there may be others like me that maxed our their lump sum when first retiring and have gone on to further employment and have built up a tidy pension that has the potential to pay out another handsome lump sum. Your advice is gratefully appreciated. Kind regards, John 11:25  Question 3 Hi Pete and Rog Always a delight when a new episode comes out – I hope Rog is getting fairly compensated for his efforts! I have been a keen listener for a number of years though until recently had lived outside of the UK, so while not everything was applicable (ISAs or pension contribution limits etc), the podcast has always been a valuable tool as I improve my personal finances I have a question I was hoping you could clarify for me which relates to questions you answered on previous podcast Q&A. Trying to keep it short but failing: On a couple of occasions when talking about pensions there seems to be an assumption that your income will fall in retirement and so income tax on the way out of the pension is less relevant. You recently had a question around moving money from a Lifetime ISA to a SIPP for a higher rate tax payer who was moving abroad and the calculation / discussion went something like: Invested 4k, got the extra 1k but have to take a 25% penalty when taking the money out so down to 3.75k. Then when investing that back into a SIPP you get tax relief so back up to 4.7k or even 6.25 with higher rate relief. Then the discussion seemed to suggest in such a case you might even be better off than if you had left it in the LISA. However, doesn't this depend on what your tax rate is on retirement / withdrawal? Now on to my question: Similarly, you had someone who had maxed out their annual pension contribution limit and they were trying to decide whether to pay more in to their pension (foregoing the tax relief) or to put it in to a GIA. This is a situation I find myself in and the Q&A discussion seemed to suggest it doesn't make much difference. There were comments that an ISA would be better than a GIA but assuming the ISA allowance was already fully used then there was little difference. This confused me and brings me to my question. If I overpay into a pension and so get no tax relief, don't I still pay income tax when I withdraw the money from the pension? So for any contribution above the annual limit I receive no tax relief initially (ie I have effectively paid tax) but then future withdraws from a pension are taxable so I pay tax again when I retire. Is this the case or is there some way the pension knows what proportion of the pot received tax relief and what proportion didn't? If no such split exists then surely a GIA is a far better option where I will only pay CGT on any growth in the investment (or income tax on dividends). Imagine a situation where there is no growth or dividends then in a GIA I take the initial money back out with no tax to pay, in the pension I still pay income tax on the withdrawal. What am I missing here? Kind regards, Matt 17:02  Question 4 Hi - love the podcast and really enjoying the Q&A series! Keep up the great work! I was hoping you can assist me. I have a pretty simple salary structure and lucky to earn annually (salary and bonus) around 190k. I'm looking at what I can add to my pension and very aware of the 60k limit and also the 200k income threshold. Is it as a simple as if my only income stream is from employment, that by definition in the above scenario I'm below the £200k. Or am I missing anything else that feeds into this as a consideration? Thanks, Steve 20:20  Question 5 Thank you Pete & Roger for an amazingly insightful informative podcast. This has given me a giant springboard to the next level of financial literacy. My question is: I am a seafarer and all of my income from it is subject to seafarers earnings deductions (SED). My annual salary is £79,000. How much can I pay into a SIPP claiming the full amount of tax relief given that all of my income is subjected to SED? Thanks very much for everything you do. Kind regards, Benjamin 24:00  Question 6 Absolutely love the podcast - always look forward to driving home on a Wednesday so I can listen to it. I'm 47 and my husband is 55 and we have 2 fabulous children aged 13 & 11. I am an additional rate taxpayer and have a good DB pension for the future (NHS consultant). My husband did the tougher job of being a full time Dad so only has a small SIPP at present worth about £50,000 which we add £2880 to each year. I am hoping to retire early so we are building our Stocks & Shares ISAs each year to bridge the gaps between my retirement and state pension etc although we don't use the full allowance at present although may do in the future as my pay increases. We just wanted advice about the best way to extract the money from my husbands SIPP. He works a few hours now making approximately £5000 per year so is a non-taxpayer (and all our emergency cash is in his name!). We had planned to start drawing down his pension in a few years once fully retired to try to get it all tax free before his state pension kicks in but we don't actually need the cash and thus it would be reinvested into his ISA. Is there any reason not just to start that process now so we put the money in the ISA gradually over the next few years (bearing in mind that we may be able to fill our ISAs in the future)? Can we still top up with £2880 each year one this process has started? Maybe this sounds like an obvious thing to do but just can't work out if its the correct path? Thanks so much, Ciara Mulligan   30:10  Podcast and Video plans.  

In this special episode, Gary Ashton and Debra Beagle, the leaders of the number one RE/MAX team in the world, share a masterclass on building a real estate empire, revealing their unconventional journeys and the secrets to their success. Learn how a team of over 200 agents and 40 staff generates a billion dollars in annual sales by focusing on a long-term, data-driven strategy and a unique approach to lead follow-up.   Follow this link for Gary and Debra's TechStack: https://content.nexthome.com/reiu/TAREGTechStack.pdf   Connect with Gary on - LinkedIn - Instagram - X - Facebook. Connect with Debra on - LinkedIn - Facebook.   Learn more about The Ashton Real Estate Group of RE/MAX Advantage: www.NashvilleRealEstate.com www.TNRealEstate.com www.NashvilleLuxuryHomes.com www.GaryAshton.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/  

This week we have a bunch of questions on the subject of inheritance tax, trusts and estate planning. Fair to say, these stretched us quite a bit and we had some surprises as we researched the answers! Shownotes: https://meaningfulmoney.tv/QA23  01:45  Question 1 Hi Pete & Rodger Love the podcast as it has loads of useful information and you make it very simple (as it can be) and clear. Love how you bounce off each other and make it easy to listen to. My question is - I have a reasonably large SIPP that will if added to my house value push me well over the 1 million level. I see a lot of press articles about how it would be good to start reducing estates that are in this position to mitigate possible IHT. My stance is that I am only 60 married and feel that - 1. It's too early to know what the new rules will look like 2. If I die before 75 and my SIPP goes to my wife she can pull whatever out tax free (currently) and gift some IHT free, as long as she lasts 7 years. 3. If my wife dies first I can do some gifting at that stage to reduce estate / possible house downsize to give large gift again with the 7 year IHT rule. Why do anything at this stage that would incur a tax charge? Your thoughts on this approach would be very much appreciated. Kind regards, Jules 07:08  Question 2 Gents, Outstanding podcast which I have listened to for years from overseas in the Middle East. The thing I like most is your consistent message about simplicity, being intentional and using low cost funds. Every season reinforces financial education and I never tire of listening to you. Thank you. I have a general question that I thought might possibly apply to other listeners regarding income drawdown ie should I use my pension pot or ISA money first? My situation is slightly complicated as my personal allowance will be used up by a DB pension. I will have a DB pension at age 55 (approx £30k) plus I have a DC pension pot plus an ISA. If I would like a retirement income (pre-tax) of say £60K (ie over the current 40% tax rate threshold), what is the most tax efficient way of drawing the income? I'm aware that in future my pension will be liable to IHT so in essence could take a 40% hit on death. Should I take all additional income from my ISA until that runs out or take money from the pension pot up to the 40% tax rate band (approx £50k) and use the ISA thereafter to save me paying 40% tax on any pension pot money? Are there any online calculators that can help as I guess it's partly just maths? Many thanks, Ian 13:48  Question 3 Dear Pete and Roger, My mum passed away over a decade ago and since then my dad has met a new partner. They live together and own their own home, split 60% (my dad), 40% (his partner). He has said a “trust” has been set up so that should one of them die, the other can live it for as long as they want before it is sold and the money passed to their children. With some research, I think he might just mean a “declaration of trust” but I am unsure. I just want to know if there is anything I should be aware in terms of inheritance tax to make sure his (and my mum's) residence nil rate bands are still in place, as I remember you saying on a previous episode of the podcast that if a house is left “in trust”, it would wipe out the residents nil rate bands. The house is valued at approximately £725k and my dad's assets (including his share of the house) would be about £850k. Thanks for sharing all your knowledge, really enjoy the podcast. Steven 21:40  Question 4 Hello Pete & Roger Listening to you both has completely turned my future retirement around!  My trajectory is now very positive as I'm building a decent DC pot to supplement my DB pension several years before I qualify for state pension. That's not just great financial progress, it's the life enhancement of  4 additional  years of  retirement at a time when im most likely able to make the most of it! Complete game changer with some knowledge and commitment to build a better future. Now,  a query on the definition of income from the perspective of the gifts from surplus income exemption from IHT…….. Does regular (quarterly) UFPLS withdrawals count as income for these purposes? I know these gifts need to be from income-they can't be from capital withdrawals. However, when I take regular UFPLS withdrawals, am I taking capital withdrawals? I'm effectively selling down assets to get the UFPLS payments so really don't know if this is income or capital withdrawal for gifting purposes. Keep up the fabulous work. Thanks, Duncan 24:20  Question 5 Hi There Pete and Rodger, Long time listener, first time caller - been listening to and recommending your podcast to friends, family and colleagues for some time now! Keep up the great work! My question relates to Inheritance tax and is a question my mother has been wrestling with for some time. Long story short, my parents emigrated to south Africa from Scotland in the 80's where I was born - sadly my father past away when I was an infant. My mother remarried a South African gent and we all then came back to the England on a business secondment that never ended. My mother and adoptive father then divorced - over 20 years ago now! (Maybe not so short!) My mother has been getting her affairs in order (not due ill health - more my nagging after your fine education via the podcast). She discovered that due to the value of her house and savvy savings she may have an IHT issue. (I've told her to spend the lot!) The question she has been trying to get a straight answer about is whether she would be eligible to transfer the unused portion of my late father's basic threshold to limit her IHT exposure. Not sure this is in your wheelhouse given the complexities of foreign countries, remarriage etc. but hoped you might be able to point us in the right direction. She is hoping to get something in writing which solicitors seem to be reticent to do. Thanks again for the sterling work and look forward to many more episodes in the future! Kind regards, Craig Bell 31:18  Question 6 Hi there, thanks for a great podcast. I am a 67 yr old single woman with no children. I have 2 DB pensions + state pension, on which I live comfortably and can afford holidays etc. I have always been an investor and have £270k in stocks & shares ISAs. My house is worth  £250k. As there are no direct descendants my estate will be liable for IHT under the new rules. Obviously I'd like to avoid that or reduce the amount payable, if possible. I have nieces and nephews who are at that stage of life at which a financial helping hand would be a great benefit, so can I do that without falling foul of the taxman? I do use the £3k gift tax allowance, but (ideally would like to give away £100 k). Is there a tax efficient way of doing that? Thanks for your help. J Harvey

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!