Podcasts about Pension

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this bonus episode we hear from PensionBee customer, Tony, as he tells us his pension story. Now in his early sixties, Tony's working part-time as a handyman to top up the income he's receiving from his pension savings. With the help of pension pro, and VP Brand and Communications at PensionBee, Rachael Oku, we'll unpack the tips you might want to take from Tony's story. This episode offers especially useful lessons for older savers approaching retirement, helping you make sense of what a 'phased retirement' could mean for your finances.   Episode breakdown 01:07 The popularity of phased retirement 03:57 Balancing mortgage payments and pension contributions 08:12 Navigating different allowances for different accounts 11:28 Waiting on the State Pension to fully retire   Further reading, listening and watching To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee: E45: The rise of micro-retirements (Podcast) Bonus episode: Personal finance tips for the self-employed (Podcast) E4: Should you pay more into your mortgage or pension? (Podcast) How do I top up my pension? (Article) Inheritance Tax guide (Article) Should I take a lump sum from my pension? (Article) What is flexi-access drawdown? (Article) Can I take my pension at 55 and still work? (Article)   Other useful resources Check your State Pension age (GOV.UK) Pension Calculator (PensionBee) Retirement Living Standards (Pensions UK) The money purchase annual allowance (MPAA) for pension savings (MoneyHelper) The new State Pension (GOV.UK)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

In this week's Talking Money, Jessica discusses pensions, what they are, and the best options for long term saving.

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

Kelley discusses the essential components of a happy retirement, emphasizing the importance of planning, budgeting, and maintaining strong relationships. She highlights the need for a structured income strategy, the significance of health and wealth, and the necessity of effective communication between partners regarding finances. The conversation also covers practical strategies for managing investments, preparing for emergencies, and navigating tax implications when selling assets. Listeners are encouraged to take proactive steps in their retirement planning to ensure a fulfilling and secure future. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

A Tokyo man in his 50s who was forced to quit his IT job after developing Parkinson's disease faced difficulties obtaining Japan's disability pension due to the system's requirement to prove the date of first medical consultation, highlighting structural hurdles for applicants. Kenichi Sato (pseudonym), 54, was told he needed to verify an initial clinic visit from about 20 years ago, but records had been discarded under the legal five-year retention rule for medical charts. Episode notes: ‘Japan's ‘first visit date' rule shows gaps in disability pension system': https://barrierfreejapan.com/2026/02/13/japans-first-visit-date-rule-shows-gaps-in-disability-pension-system/

Tactical Transition Tips Round 110 of the Transition Drill Podcast offers practical guidance and career readiness for veterans and first responders, organized based on how far out your exit is. In this episode, learn how a guaranteed paycheck can shift your mindset from building your future to coasting toward it.You've earned the right to think about your pension. You've put in years most people will never understand, and the idea of a guaranteed check waiting on the other side can feel like proof you did it right.But that same calm can quietly take the edge off your preparation.In this episode, it's about the trap that shows up in small, normal decisions while you're still serving: you stop pushing to build civilian skills, you delay the resume, you don't study the market, and you start thinking, “I only need a little extra income.” It doesn't feel like avoidance in the moment. It feels like patience. Then the interview comes, and someone asks what value you bring, and you realize you never practiced answering that question outside your current system.This isn't anti pension. It's pro strategy. A pension is supposed to reduce catastrophic risk, not replace ambition. It's a safety net, not a ceiling.Transition tips by group:Close Range Group (less than a year out): Don't accept a low civilian salary because “you have a pension.” One sentence why: If you start your negotiations low because you feel financially safe, you can lock yourself into a lower earning trajectory for years.Medium Range Group (a few years out): Build your lifestyle on today's money and invest tomorrow's. One sentence why: If you mentally spend your pension now and raise your lifestyle early, you lose flexibility, and flexibility is what protects you during transition.Long Range Group (at least a decade away): Treat your pension like the ground floor of your financial building, not the penthouse. One sentence why: You've got time to stack income sources and financial skills now, so your pension becomes one piece of your plan, not the whole plan.Get additional resources and join our newsletter via the link in the show notes.CONNECT WITH THE PODCAST:IG: https://www.instagram.com/paulpantani/WEBSITE: https://www.transitiondrillpodcast.comLinkedIn: https://www.linkedin.com/in/paulpantani/SIGN-UP FOR THE NEWSLETTER:https://transitiondrillpodcast.com/home#aboutQUESTIONS OR COMMENTS:paul@transitiondrillpodcast.comSPONSORS:GRND CollectiveGet 15% off your purchaseLink: https://thegrndcollective.com/Promo Code: TRANSITION15Blue Line RoastingGet 10% off your purchaseLink: https://bluelineroasting.comPromocode: Transition10#tacticaltransitiontips #militarytransition #firstresponders

Changes are coming to UK inheritance tax legislation. From April 2027, many expats with UK Self-Invested Personal Pensions (SIPPs) could face a 40% UK inheritance tax hit on pension values above the £325,000 nil-rate band, but the way the new rules are drafted may allow non-long-term UK residents to structure their SIPPs so that non-UK underlying assets sit outside the UK inheritance tax net.    Richard Taylor, dual UK/US citizen and Chartered Financial Planner, is joined by Tobias Gleed-Owen, Senior Associate at Birketts, to discuss the upcoming changes to SIPPs and inheritance tax. This episode of Expat Wealth explores how UK expats, or future recipients of a UK inheritance or pension, can prepare for the April 2027 changes. Richard and Tobias unpack how the draft UK rules will treat pensions for inheritance tax, why the position most people have assumed is likely wrong, and how looking through to the underlying investments in an SIPP may keep large portions of a UK pension outside the UK inheritance tax net.    In this episode, Richard and Tobias take a detailed look at:    The big picture: An overview of the 2027 UK inheritance tax change on pensions.    Practical planning opportunities: How to structure or restructure your SIPP investments.    What to do if you have an old defined benefit pension.    Pension Commencement Lump Sums: Whether or not the UK 25% “tax-free lump sum” is tax-free in the US.     --    Expat Wealth is supported by Plan First Wealth. Plan First Wealth is a Registered Investment Advisor serving fellow expatriates and immigrants living across the US on matters such as retirement planning, investment management, tax planning and non-US asset management.    https://planfirstwealth.com/    --    Expat Wealth 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. 

Let's talk about something that doesn't get people excited. No machines, nothing about forklifts, and no mention of productivity or numbers. I'd like to talk about paperwork. I know I know, but this isn't boring paperwork. This is the paperwork of life. The kind of documents that quietly follow you from your first job all the way to retirement. The kind that, when handled correctly, makes life easier, and when ignored, can create stress, delays, lost money, or even lost opportunities.  I was looking for the right word here, I highlighted the words personal responsibility, and that's not what I'm looking for, but there are things we, ourselves, need to make sure we get right. So instead of harping on what we need to do I'll just speak to it in an, “I've seen how this plays out” kind of way. Because here's the truth, no company, no HR department, no recruiter, no government agency cares about your paperwork more than you do, and they never will.  When someone gets a job offer, they're excited. And they should be. But onboarding isn't just about orientation videos and a badge. From day one, you're asked to complete documents like I-9 employment verification, W-4 tax forms, Direct deposit information, Benefit elections, Emergency contacts, Policy acknowledgments. And these aren't just forms. These documents determine whether you can legally work, how and when you get paid, how much tax is withheld, whether you have insurance, and who gets called if there are any problems or emergencies.  When onboarding paperwork is filled out incorrectly, or rushed through, problems can start immediately. Delayed paychecks. Incorrect tax withholdings. Missed benefits. And the worst part? Most of those problems are preventable. Here's a tip or an opinion I guess, if a document affects your pay, your health, or your job security, slow down. Ask questions if you do not understand something. Especially anything like deductions. Read what you're signing. If you don't understand a box, don't guess. Guessing on official paperwork almost always comes back around to us.  The I-9 form is one of the most misunderstood documents in employment, and one of the most important. This form verifies your identity and your legal authorization to work in the United States. It requires specific documents, completed within a specific timeframe. If our hiring agent doesn't properly complete the I-9 you may not be allowed to start work. Your employment could be delayed, or you could be terminated, not for performance, but for a compliance issue. This isn't personal. It's just the law. As a worker, our responsibility is simple but serious. We need to bring valid, acceptable documents, make sure names match exactly, and pay attention to dates and signatures. Just this week I've heard about 3 individuals that met all the qualifications for a position, interviewed great, was offered the position, only to say that they didn't bring 2 forms of I.D. Their hiring process was delayed until they could return with their documents. For one of them the position was filled before she could return. And to our recruiter, being unprepared for an I-9 and the onboarding sends a message, fair or not, that you didn't take the process seriously.  Taxes are another area where people often say, I'll just fill it out the way I always do. That mindset can cause problems for us. Your W-4 determines how much money is withheld from each paycheck. Too little withheld? You might owe money at tax time. Too much withheld? You're giving the government an interest-free loan all year. And it's important to remember that life changes, marriage, kids, second jobs, side work, all affect how your W-4 should be filled out. Here's another tip or opinion! Our paycheck is our responsibility. If something looks off, ask about it immediately. Waiting six weeks doesn't fix it, it only multiplies the problem.  I want to mention a bit on our personal records too. Health records, Immunizations, Vaccinations, Physicals. In warehousing, manufacturing, transportation, and logistics, these come up more than people realize. Certain jobs, sites, or clients may require proof of Tetanus shots, Hepatitis vaccinations, physical capability exams or ergonomic testing, even drug screening history. Yes, these request or needs are rare in our field, but if you can't produce records, you may be delayed from starting a job, or even be excluded from certain assignments or have to repeat tests at your own expense. Keeping copies of our health records is important, it's about preparedness. Create a simple system, a physical folder at home, or digital copies on a secure drive with clear file names and dates. This is one of those, future you will be thankful for, habits.  Oh and many people assume education records don't matter once they're working. That's not always true. High school diplomas, GEDs, college transcripts, certifications, licenses, these documents can come up when applying for leadership roles, moving into safety or compliance positions, transitioning into office or management roles and applying for specialized training. Saying I completed it is not the same as proving it. If you've earned something, keep the documentation. You worked for it. Don't let missing paperwork slow your progress later.  And here's another free opinion! Your resume should never be written in a panic. It should be updated after each role, after learning new equipment, when gaining certifications, and after taking on leadership tasks. Too many people try to rebuild their entire work history the night before applying for a job, and details get lost. Dates get fuzzy. Job titles blur and we'll leave off some of our accomplishments. A resume isn't just for job hunting. It's a record of our career. Here's another unsolicited opinion of mine! Keep a running document. Add bullet points as you go. That away when opportunity shows up, you'll be ready.  Now let's talk about open enrollment, this is where people can get hurt financially. Open enrollment windows are like written in stone. Miss them, and you may be locked out of Health insurance, Dental and vision, Life insurance or Disability coverage until the next enrollment period. Saying “I didn't know” doesn't reopen the window. This happened to me last year. I asked about the dental and vision offerings, but I didn't follow up when no one got back to me. So I didn't have dental and vision insurance! Understanding your benefits isn't optional adulthood, it's more like survival planning. If you don't understand a benefit, ask HR. That's what they're there for. And don't hesitate to follow up if you haven't heard back. Ignoring enrollment because it feels overwhelming can cost thousands of dollars later.  Here is a hard truth, deadlines don't care about your schedule, your stress, or your intentions. Miss a form deadline and benefits don't activate, our coverage can lapse, pay adjustments don't happen. Professionals respect deadlines, even when the task isn't exciting. And we are professionals, right? That's part of being dependable.  And all this documentation follows us right into retirement as well. At the end of your career, paperwork doesn't stop, believe it or not it actually increases! Retirement accounts. Pension records. Social Security documentation. Healthcare elections. People who kept records throughout their career transition more smoothly. People who didn't often scramble at the worst possible time. Your future self deserves better than all that last-minute chaos!  I recently read something by a government agency. It said that paperwork isn't the enemy, neglect is. It made me think a bit!  The paperwork of life isn't glamorous, but it is important. Careers don't fall apart because of one bad day on the floor. They fall apart because of missed details spread out over time. Let's all be sure to handle our paperwork with the same pride we bring to our work ethic.  Oh, and I mentioned retirement a minute ago. One of the biggest myths is that retirement planning begins when you're close to retirement. It doesn't. It begins with your first benefit election, and your first 401(k) form, and your first beneficiary designation. The people who retire smoothly didn't magically get organized at 60, they stayed consistent for decades. Every form you complete correctly today reduces stress tomorrow. Every document you keep track of becomes a gift to your future self.  Let me leave this part with something simple and honest. Paperwork is how the world keeps score. It records who you are, what you've earned, what you're entitled to, and how you're protected. Ignoring it doesn't make it go away, it just hands control to someone else. So lets take ownership of it, ask questions, respect those deadlines, and keep records.   Ok, I'll leave it at that. I don't want it to sound like I'm standing up on a soap box here, but I've seen so many people struggle and take financial hits over the very things we discussed today. If you have any questions about anything I brought up, check with your HR department or a member of your management team, ask questions. And as always, feel free to send us an email to hose@warehouseandoperationsasacareer.com and I'll help find you an answer. Thanks for checking in and as always, please be safe in all you do.   

✈️ Retire Pilots the Right Way!

HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 02/14/26 – HERO’S Talk Radio Read More » The post 02/14/26 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

My guest this week is Kris Sims, Alberta Director of the Canadian Taxpayers Federation. This week, we discuss the out-of-control cost to taxpayers of Canada's current Governor-General, Mary Simon, and even the ongoing expenses of former Governors-General. The Office of the GG—including upkeep on Rideau Hall, expensive trips abroad, clothing allowances and other perks—is over $30 million annually! Kris and I also discuss the need to get federal bureaucrats on a “sunshine” list so that Canadians have a better idea where their tax dollars are going. Learn more about the Canadian Taxpayers at: https://www.taxpayer.com 

William McGrath is CEO of C suite pension strategies. He has a financial and industrial sector background and was a longtime CEO of AGA range master. He has an honorary doctorate from Birmingham City University for work to sustain the relevance of the Midlands industrial heritage. He returned to the financial sector after 25 years working in industry.In our discussion we trace William's own career path and the source of his interest in pensions and the financial sector more generally. Moving then to his current perspective on pension funds at  C Suite Pension Strategies, he discusses the importance of corporate pensions, emphasizing that they should be seen as a corporate wealth fund rather than a burden. He highlights that there is still £1.2 trillion in private sector investments in the UK, advocating for a "run on" strategy over "buyout." William criticizes the lack of scrutiny in actuarial work and calls for better regulation and oversight of some of the workings of this sector. Overall he emphasizes the importance of a "members first" approach which puts member interests at the center of pension fund governance.   We move then to broader governance issues and we talk in some detail about his experience in leadership at Aga and getting back to his love of history and the industrial heartland refers us to “Aga, Allied and Ogilvy – The Management of Groups”, which contains remarkable Boardroom records of a group of allied iron founders seeking to integrate businesses between the 1930s and 1950s – https://homehearthistory.files.wordpress.com/2015/12/aga-allied-ogilvy-book.pdfThis podcast is kindly sponsored by Evanston Capital and Alvine Capital. For over 20 years Evanston Capital has had a key focus in identifying early-stage investment managers it believes are capable of generating long-term, value-added returns in complex, innovative strategy areas. Alvine Capital is a specialist investment manager and placement boutique with a particular focus on alternative assets with significant presence in London and Stockholm.

The Canadian Pension Plan Investment Board (CPPIB) has invested nearly half a billion dollars in xAI, the artificial intelligence company behind Elon Musk's AI chatbot - Grok.The chatbot and its owner have received mounting criticism following the recent influx of deep-fake pornographic content of women and children on X's feeds - a catastrophe that Musk has contributed little to no resources to fix.Host Caryn Ceolin speaks to Jan Mahrt-Smith, associate professor of finance at the University of Toronto, to discuss the risks associated with investing in Musk's chatbot, how the 22 million Canadian investors could be feeling about the move, and whether or not Canadians still trust the government institution to handle their money. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstory.bsky.social on Bluesky

We examine a realistic scenario for a client with a $750,000 TSP/401(K) and a $40,000 pension, focusing on adjustments in fund allocation, and a financial scenario for "Bill" vs. "Jack", one begins withdrawing $3,000 monthly from his TSP and takes Social Security at 62. Understanding crucial aspects like TSP distributions, retirement income, and tax planning is key, and we explore how a bucket strategy retirement approach can help manage these changes effectively.

No matter how far away you are from retiring, you've probably given some thought to how you'll spend your time when you get there. But thinking about how you'll afford that dream retirement lifestyle isn't quite as much fun. In the first episode of our four-part podcast series, we go back to basics to explain how a pension differs from a normal savings account, and how you can best prepare your finances for the future. Which? Money editor Jenny Ross is joined by experts from across the industry, as well as people at different stages of retirement planning. The remaining episodes in the series will be released weekly on Mondays. Read more of our pensions news and advice on our website & sign up for our retirement planning newsletter Podcast listeners can get 50% off an annual Which? membership Become a Which? Money member to access 1-to-1 guidance and receive the Money magazine

The South African Municipal Workers Union, SAMWU says the Ditsobotla Local Municipality in the North West has not paid employees' pension contributions for 14 months. Last August, workers also went three months without salaries after Treasury withheld the municipality's equitable share grant to enforce financial compliance, including payments to creditors such as Eskom and water boards. At the end of the 2024/25 financial year, the municipality's liabilities exceeded its assets by R295 million, leaving it effectively bankrupt. It was placed under national administration last September after eight previous provincial interventions failed to curb maladministration. Elvis Presslin spoke to SAMWU Provincial Secretary, Vincent Diphoko

The governor is looking ahead on the state's pension debt as he prepares to present his next budget proposal.

En este episodio de La Güera y El Callado El Chou sacamos la libreta negra

The Moneywise Radio Show and Podcast Wednesday, February 4th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

Welcome to the CRE podcast. 100% Canadian, 100% commercial real estate. What if international pension fund investment could unlock Canada's housing crisis? In this episode of the Commercial Real Estate Podcast, hosts Aaron Cameron and Adam Powadiuk are joined by Mark Siezen, CEO of Bouwinvest, to unpack why Dutch institutional investors are increasingly focused on... The post How Dutch Pension Capital Could Unlock Canada's Housing Supply Shortage with Mark Siezen, CEO of Bouwinvest appeared first on Commercial Real Estate Podcast.

HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 02/07/26 – HERO’S Talk Radio Read More » The post 02/07/26 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

Mehr von Bettina. Mehr von Brit. Viele Tierhalter kennen das Gefühl, dass ihr Tier plötzlich nicht mehr so fröhlich oder aktiv wirkt wie sonst. Aber können Tiere depressiv werden? Und wenn ja, woran erkennt man das? In diesem Webinar gehen die Tierheilpraktikerin Brit Kröger und die Besitzerin einer Pension für Pferde im Ruhestand („Haslhof“) Bettina Hottner der Frage auf den Grund, ob und wie Depressionen bei Tieren auftreten können. Sie beleuchten mögliche Ursachen wie Stress, Trauer, Umweltfaktoren und gesundheitliche Probleme. Außerdem geht es um die Symptome, die auf eine depressive Verstimmung hindeuten können und welche Möglichkeiten es gibt, betroffenen Tieren zu helfen – von der Anpassung der Lebensumstände über naturheilkundliche Ansätze bis hin zu therapeutischen Maßnahmen. Präsentation

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

A candid conversation with Eric Brotman on why retirement planning needs structure, flexibility, and fewer assumptions. One of the things I've learned after years of retirement planning conversations is that most people aren't short on opinions — they're short on clarity. They've heard plenty of rules.They've absorbed countless headlines.They've picked up advice from coworkers, friends, and financial media. But when you slow things down and ask a simple question — “Why are you doing it this way?” — the answer is often some version of, “That's just what I've always heard.” I recently sat down on the “Don't Retire… Graduate!” podcast with host Eric Brotman (author of “Don't Retire, Graduate” and previous guest of my podcast back in the “Retirement Revealed” days) to discuss why building a better retirement plan starts with asking better questions. Eric is the author of Don't Retire, Graduate, and his core message is relatable to everyone entering retirement: retirement isn't a finish line. It's a transition — and transitions deserve thoughtful planning, not assumptions. As Eric put it during our conversation, “Most people think retirement is a decision. It's not. It's a process.” Why One-Time Decisions Matter So Much to a Retirement Plan When you're working, mistakes are usually correctable. Save too little one year? You can increase contributions later. Invest poorly early on? Time often smooths things out. Retirement doesn't work that way. Retirement is full of one-way doors — decisions you can't easily undo. Social Security claiming. Pension elections. Medicare choices. Tax strategies.  Once those decisions are made, you often live with them for decades. This is where many retirement plans quietly fail. Not because the investments are bad, but because the planning skipped the hard questions upfront. The Quiet Problem of Underspending One of the most interesting threads in our conversation was something I see often with clients but rarely see addressed directly: underspending. People spend decades being disciplined savers. They're rewarded for delaying gratification. Then retirement arrives — and suddenly they're supposed to flip a switch and start spending confidently? That transition is harder than most people expect. Eric described it bluntly: “A lot of retirement plans are designed to avoid failure, not to support a great life.” When plans are built entirely around extremely high “success rates,” the tradeoff is often living smaller than necessary. Retirees follow conservative rules, spend cautiously, and end up with more money at the end of life than they started with — not because they needed it, but because no one ever gave them permission to use it. That's how an effort to preserve your money in retirement can turn into a missed opportunity. Why Rules of Thumb Aren't Enough Rules like the 4% withdrawal guideline exist for a reason — they're simple and memorable. But that simplicity comes at a cost. Rules of thumb can be useful starting points, they become problematic when people treat them as guarantees rather than guidelines that require context. Markets change. Taxes change. Spending changes. Life changes. A retirement plan that assumes constant spending and ignores flexibility is solving a math problem that doesn't exist in the real world. What works better is a framework that expects adjustment — not perfection. Retirement as a Graduation, Not an Ending The phrase “Don't retire, graduate” isn't about working forever. It's about intention. Some people want to fully step away from work. Others want to consult, volunteer, or stay mentally engaged. Neither approach is right or wrong — but drifting into retirement without deciding is where dissatisfaction often starts. What makes a difference for most retirees? Having a purpose to your life in retirement as a new chapter, not a conclusion to the entire book. When you treat retirement as a graduation into something new, the planning naturally becomes more thoughtful. Spending decisions align with values. Time gets treated as intentionally as money. And confidence replaces guesswork. The Real Goal of Retirement Planning At its core, this conversation wasn't about beating markets or optimizing spreadsheets. It was about aligning math with real life. A good retirement plan doesn't just aim to avoid running out of money. It aims to help you live well — without constant second-guessing. For many, effective retirement planning isn't about dying with the most money. It's about using the money you've earned to live well, without fear or constant second-guessing. That's a goal worth planning for. If you're approaching retirement — or already there — this episode will challenge some comfortable assumptions and help you think differently about what your plan is actually designed to do. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Eric Brotman on LinkedIn “Don't Retire…Graduate!” podcast “Don't Retire…Graduate!” on Amazon BFG Financial Advisors BFG University on YouTube Build Your Retirement Master Plan in 5 Simple Steps Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Yesterday, POWER convened a housing affordability assembly at Mother Bethel A.M.E. The sanctuary was full—overflowing, really—with more than 1,000 people from across Philadelphia, representing churches, faith communities, and concerned residents gathered under one shared anxiety: a city in the grip of a housing crisis.Rising rents. Shrinking housing stock. A looming reduction in federal funding as Washington signals cuts to already strained city budgets. The moment demanded boldness.Several elected officials were present. Isaiah Thomas attended, along with one at-large City Council member and a representative for a district council member, all there to listen, respond, and engage. State Senator Sharif Street also attended, though he did not sit on the panel.And yet—despite the size of the crowd and the urgency of the issue—the conference, in my estimation, offered no real solutions. What we heard instead were recycled ideas, familiar refrains, and policy comfort food that no longer nourishes a city this hungry.First, there was the call for nonprofits—particularly large institutions like the University of Pennsylvania—to do more, or to pay taxes. But nonprofits are already doing a great deal. They employ a significant portion of the city's workforce—workers who pay taxes, rent homes, and sustain the local economy. To suggest nonprofits simply “do more” ignores both their existing contributions and the structural limits of that sector.Second, a council member suggested taxing billionaires more. This has become a political cliché—emotionally satisfying, rhetorically popular, and practically unproductive. In reality, such policies often accelerate capital flight, pushing wealth—and investment—out of the city. At the same time, Philadelphia maintains a large social welfare population. That contradiction cannot be ignored. How do we justify ever-higher taxes on a shrinking base while relying on redistribution without first expanding the economic pie?If anything, the city should be working with billionaires and high-net-worth investors—creating incentives, credits, and opportunities for them to invest more deeply in Philadelphia. The city lacks a robust ecosystem of lucrative business investment. Outside of Comcast (Xfinity), Philadelphia has very few major corporations anchoring its economy. That should concern us.Third, Philadelphia is in direct competition with Delaware, a neighboring state that offers business-friendly tax structures and aggressive incentives. Businesses notice this. Investors notice this. Capital moves accordingly. If Philadelphia wants to win, it must compete—by reducing taxes, waiving fees, and offering meaningful credits to attract for-profit businesses and corporations. That is how cities grow revenue sustainably, not by squeezing the same sources harder.Finally, one of the most striking revelations was that the city reportedly has over one billion dollars sitting in reserve. Why not deploy financial expertise to grow that money? Why not invest a portion of it in high-yield instruments—government bonds, fixed annuities, or other secure investment vehicles—to generate returns that can fund housing initiatives long-term? Cities invest. Universities invest. Pension funds invest. Why shouldn't Philadelphia?Instead, the meeting largely circled back to asking those already doing much to do even more, while calling for new policies and bills that repeat old thinking. There were no out-of-the-box ideas, no structural economic reimagining, no serious engagement with how capital is created, attracted, and sustained.Philadelphia does not have a housing problem alone—it has an investment problem. Until we are willing to confront that honestly, assemblies will remain full, speeches will remain passionate, and solutions will remain painfully absent.The crisis deserves better. The people deserve better. And the city—this city of grit, history, and possibility—can do better, if it dares to think differently.

Today on the show - Tom Stevenson is here to tell us how he’s planning on using his pension in retirement to generate an income. The assets he’s buying, the amounts he’s taking and the risks to his plan going wrong. We’ll cover it all. Ed Monk is joined by Tom Stevenson 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.

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: why do I pay interest even if I pay off my credit cards in full? Where's the best place to save and invest for my young children who have pension income from my late husband? I've got two mortgages on my house, which should I overpay? What's the best place for me to start a new pension aged 50? Plus, would Martin rather be locked in an empty shopping centre for 24 hours with 1000 snakes, or one angry gorilla? Listen to find out!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 if he's got a favourite marsupial, how many miles he could walk backwards, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

Le nouvel épisode du  @Legal Club Sandwich est disponible ! Laissez-vous captiver par cette rencontre inédite avec @Julien Monnier, avocat en droit de la famille, l'invité de nos chroniqueurs @Audrey Déléris, @Lyndia Lesauvage, @Pierre Landy.Julien Monnier nous ouvre les portes de son métier, une vocation qui le plonge au cœur de l'intimité de ses clients. Il nous explique combien l'écoute est pour lui une clé essentielle pour accompagner les personnes dans des moments souvent difficiles de leur vie : divorces, successions, tutelles mais aussi, adoptions…  Il nous parle de ce qui se joue derrière les portes : les ambiances « volcaniques » des échanges ou encore les préjugés des parties prenantes.Sa conclusion ? « C'est mieux après… ». LCS #89 : Amour, Gloire et Pension alimentaireUn épisode passionnant à voir aussi ici : 

Hans and Robby are back again this week with a brand new episode! This week, they discuss monthly income for life - turn part of your 401k into a pension recording 1  Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

Too many retirees make one pension decision they can't undo and it reshapes their entire financial future. We break down the real trade-offs hiding behind payout options, survivor benefits, and the lure of a lump sum, then show you how to weave your pension together with Social Security and investments to build a calm, resilient retirement plan.We start by reframing the pension as a supercharged bond; steady, predictable income that can cover the must-haves and free your portfolio to fund the fun stuff. You'll learn a simple two-column method to map fixed expenses against guaranteed income, why 80 to 100 percent coverage is a powerful target, and how that floor helps you sleep at night when markets get rough. From there, we unpack the key payout choices: single life for maximum income, joint-and-survivor to protect both lives, and variations with different survivor percentages. We explain how to stress test each option against age, health, tax implications, and timing your Social Security benefits.A candid case study shows the cost of chasing the biggest monthly number and leaving a spouse with too little income. We also walk through when a lump sum can work; low fixed expenses, solid guaranteed coverage, strong legacy goals, and the discipline to manage market risk after rolling to an IRA. To keep you out of trouble, we highlight common mistakes like ignoring inflation, misreading the pension's bond-like role, and making decisions in silos instead of as a system. By the end, you'll have a clear framework: cover essentials with guarantees, fund goals with growth, and choose a payout that protects the person you love most.If this helped you think more clearly about your pension, subscribe, share it with someone who needs it, and leave a quick review. Your support helps others find the show and make smarter, safer retirement choices.

If you have a defined benefit pension, everything from when you claim Social Security to how you draw your TSP/401k changes — because guaranteed income becomes your foundation for smarter retirement planning.

n the first of this year's podcasts exploring our survey findings, John Harney is joined by Alastair McIntosh and Matthew Arends to discuss the key takeaways for both defined benefit and defined contribution schemes. Explore the UK Results of Aon's Global Pension Risk Survey 2025/26 Email us your topic suggestions, comments and questions to TalkToUs@aon.com

HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 01/31/26 – HERO’S Talk Radio Read More » The post 01/31/26 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

This week on Look Forward, the guys return to discuss another episode of "TACO" this time it's Greenland edition, Europe pushes back strong against Trump, speeches at Davos, ICE thinks it can violate the 4th amendment, judge will not allow feds to go after Don Lemon, US House approves $30 million for increased SCOTUS security, Jack Smith testifies publicly to the House, pension funds start to dump US treasurys, DOGE access social security data to help overturn elections, Trump pushes further on his Board of Peace aka his evil UN alternative. Big TopicTACO: Greenland EditionSpeech at DavosFrom TrumpFrom the rest of the worldEurope's responseNews You NeedICE says they can violate your 4th amendment rightsAnd they're literally kidnapping childrenJack Smith testifies to Congress on his investigationJudge declines to sign off on charges against Don LemonUS House approves additional $30 million for Supreme Court securityPension plans selling off US TreasurysFast Corruption and Faster Screw-UpsDOGE accessed your social security information illegally, but that's just the startThe “Board of Peace” is like the loser table in the cafeteria

A chaotic but revealing game-show-style opening leads into a sharp lesson on why market trivia doesn't matter nearly as much as discipline. Tom and Don walk through eye-opening 2025 market stats, including the real impact of the Magnificent Seven, international stocks' outperformance, and a surprising Bitcoin result, before pivoting to listener calls on risk aversion in retirement, tax drag in fixed income, ETF vs. mutual fund structure, pensions as “bond substitutes,” and the fear of poorly timed rollovers. The episode reinforces a consistent theme: markets anticipate, investors overthink, and long-term success comes from diversification, cost control, and building portfolios around real human behavior—not headlines. 0:04 Cold open and chaotic “What Do You Know?” game show setup 1:58 S&P 500 return vs. performance without the Magnificent Seven 5:16 Magnificent Seven's staggering 10-year return 5:48 International stocks outperform U.S. stocks in 2025 7:35 Retired caller weighs SGOV vs. VTEB and tax efficiency 10:01 Risk aversion, inflation fears, and when bonds actually belong 13:11 CD ladders as a stability alternative to bond funds 14:27 Clean energy ETFs rise despite negative policy headlines 16:41 Colombia emerges as best-performing global stock market 18:02 Bitcoin's surprising full-year decline in 2025 19:02 Why none of this market trivia actually matters 20:28 ETFs vs. mutual funds explained simply and clearly 24:44 Why fund companies resist ETF conversions 27:13 Pension income vs. bonds in portfolio construction 31:20 AI voice experiment and margin rate reality check 32:02 Fear of rolling over 401(k)s and “hodgepodge-itis” Learn more about your ad choices. Visit megaphone.fm/adchoices

Alternative assets are getting a greater share of investor allocations as they seek higher yields and less volatility. Pension funds, endowments and other large institutions are directing more dollars to these assets in order to increase overall yields in their portfolios and to hit mandated returns. Kim Flynn, President of XA Investments, specializes in Private Credit interval funds, some of which generate higher than 10% yields. Kim is responsible for all product and business development activities plus the firm's proprietary fund platform and consulting practice.

If you are thinking about retiring in 2026, or even easing back from full time work, this is the year where small decisions start to matter a lot. In this week's episode, I look at how to check if retirement is actually realistic, which pension moves still make sense, and how to think about income rather than just fund size. This is about clarity, not hype. And avoiding expensive mistakes!   Key talking points   • Why the year before retirement is the most valuable planning window • The five numbers you must know before saying "I'm nearly there" • Why income planning beats obsessing over pension fund size • Pension contribution and AVC opportunities that disappear if you delay • Cash buffers and why they reduce stress more than people expect • When investment risk becomes your friend and when it becomes a problem • Sequence risk explained in plain English • Common mistakes we see from people one to two years out from retirement • What you should have ready before speaking to a financial planner   I hope it helps!

The Retirement Commissioner is asking for a careful and considered approach for changing the retirement age. During his State of the Nation speech yesterday, the Prime Minister said increasing the retirement age was inevitable. Christopher Luxon says as life expectancy rises, the pension age of 65 is too low. Jane Wrightson told Mike Hosking it's good it is now on the political agenda, so the people can hear ideas from all parties. She says political parties will need to discuss what the next decade will look like, and they need to carefully look at how all people will be affected by any changes. LISTEN ABOVE See omnystudio.com/listener for privacy information.

ITALY STABILIZES PENSION COSTS AND CELEBRATES PASTA TARIFF CUTS Colleague Lorenzo Fiori. Lorenzo Fiori reports that despite high pension costs, Italy's economic reforms under Prime Minister Meloni have stabilized the system by increasing employment. Fiori notes that Italy's deficit and inflation have dropped significantly, and he celebrates the US decision to slash tariffs on Italian pasta imports. NUMBER 61945 VJ DAY

Every country where your foreign pension faces single-digit taxation or less. Covers dedicated retiree flat-tax regimes, 29 territorial tax jurisdictions, and the EU's 10% flat-rate options in Romania and Bulgaria.View the full article here.Subscribe to the IMI Daily newsletter here. 

Hana's mom is 92. Mom's husband is 74, and after years of trying to help a family member, nearly a million dollars is gone. How do they stop the bleeding before it's too late, and how much can they spend each year from what's left? That's today on Your Money, Your Wealth® podcast number 564 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, "Peter and Gwen" from Virginia have a pension, Roths, and a shrinking IRA. With the new tax law, IRMAA, and Social Security decisions all colliding, should they keep converting to Roth, and when should they actually collect Social Security? Also, does it make sense for "Mr. and Mrs. Scarecrow" to claim Social Security early and invest it? Finally, "Rosie and Astro" from Pennsylvania ask if they can retire in just three years with $1.3 million, and whether it's time to hire an advisor to help them get there. Free Financial Resources in This Episode: https://bit.ly/ymyw-564 (full show notes & episode transcript) Social Security Handbook Retirement Readiness Guide 6 Biggest Financial Pitfalls in America (Avoid These Traps!) - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 02:21 - Family Wrecking Retirement: How Much Can Benevolent Retirees Afford to Spend? (Hana) 10:30 - We Have a Pension. Should We Do Roth Conversions After the OBBBA? When to Claim Social Security? (Peter Parker & Gwen Stacy) 23:29 - Should We Claim Social Security Early and Invest It? (Mr & Mrs Scarecrow) 29:56 - We're 60 and 57 with $1.3M. Can We Retire in 3 Years? Should We Hire an Advisor? (Rosie & Astro, PA) 41:04 - Outro: Next Week on the YMYW Podcast

Allen Farrington is an investor at Axiom BTC Capital and a writer known for sharp, contrarian takes on bitcoin and adjacent topics like bitcoin venture capital, fiat “plumbing,” and stablecoins. With Axiom, Allen uniquely focuses on clients' returns not coming from financial engineering, but from productive deployment of capital to solve real world problems.In this episode, Allen joins The Bitcoin Frontier to share how bitcoin exposes the fiat distortions inside venture capital, why clear lines between saving and investing change founder and limited partner (LP) behavior, and what a bitcoin-first stack means for payments and stablecoins. We dig into local capital allocation on a sound-money standard, free/open-source dynamics and moats, and why lightning + ecash may be the endgame for stablecoins.SUPPORT THE PODCAST: → Subscribe → Leave a review → Share the show with your friends and family → Send us an email: podcast@unchained.com → Learn more about Unchained: https://unchained.com/?utm_source=you... → Book a free call with a bitcoin expert: https://unchained.com/consultation?ut...TIMESTAMPS:0:00 – Intro & disclaimer; setting up VC in a world of finite money2:12 – Bitcoin as “fixing the plumbing”: unwinding fiat distortions vs fantasizing about the end state4:45 – How artificially low rates monetize other assets and push allocators out the risk curve7:28 – Pension funds, liabilities, and why flows into venture decouple from fundamentals9:46 – “Thousand-x or bust”: why LP incentives shape VC behavior (and fund crypto)12:02 – Saving vs investing: why buying bitcoin ≠ venture investing (and Axiom's thesis)16:05 – Local investing on a sound-money standard and higher opportunity costs for founders20:52 – Measuring in bitcoin terms: hurdle rates, returns, and what “outperforming bitcoin” really means27:15 – Trusted third parties are security holes… so where do businesses add value? (non-custodial services)32:06 – Moats in a FOSS world: compete by delivering value, not lock-in36:50 – “Zero to One,” monopolies, and why ruthless excellence beats user exploitation41:10 – Open vs closed source: the healthy tension in bitcoin-native companies44:22 – Allen's “half-baked” stablecoin thesis: why new “stablecoin blockchains” are a dead end47:06 – The Genius Act: fully reserved dollars, surveillance tradeoffs, and limited real-world impact so far48:55 – Lightning as settlement layer for fiat tokens; taproot assets / RGB today, ecash tomorrow55:00 – Could fully reserved rails hollow out small banks? Centralization pressures and unintended consequences56:44 – Closing: where to find Allen and Axiom BTCWHERE TO FOLLOW US: → Unchained X: https://x.com/unchained → Unchained LinkedIn: https://www.linkedin.com/company/unchainedcom   → Unchained Newsletter: https://unchained.com/newsletter → Allen Farrington's Twitter: https://x.com/allenf32    → Timot Lamarre's Twitter: https://x.com/TimotLamarre → Jose Burgos (Director of Media Production): https://x.com/DeFBeD

In this episode of Retire with Style, Wade Pfau and Alex Murguia break down key concepts in retirement income planning, including present value, discount rates, and internal rates of return. They explain how these tools apply to real-world decisions such as Social Security claiming and choosing between a pension and a lump sum. The conversation highlights the importance of understanding cash flows and using sound mathematical analysis to inform decisions, while still accounting for personal preferences and risk. Listen now to learn more!   Takeaways Present value and breakeven analysis are crucial for financial planning. Understanding discount rates helps evaluate future cash flows. Internal rate of return is essential for comparing investment options. Financial decisions often boil down to present value calculations. Social security optimization relies on present value analysis. Pension versus lump sum decisions require careful discount rate consideration. Cash flow evaluation is key in retirement planning. Investment decisions should factor in opportunity costs. The relationship between interest rates and present value is significant. Financial planning is both a mathematical and an artful process. Chapters 00:00 Introduction to Retirement Income Planning 03:49 Understanding Present Value and Discount Rates 06:40 Evaluating Cash Flows and Internal Rate of Return 09:32 Applications in Financial Planning 12:46 The Impact of Interest Rates on Valuation 15:30 Real-Life Financial Decisions and Break-Even Analysis 18:53 Social Security and Pension Decisions 22:05 The Funded Ratio Tool and Its Importance Links Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”

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

Have I saved enough to retire now, and if so, should I take a lump sum pension from my employer or the lifetime annuity? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices