Podcasts about Pension

For investors nearing retirement, decisions surrounding pension elections and portfolio discipline require careful analysis. In this episode, we examine two foundational areas of retirement planning.First, we discuss the mechanics of portfolio rebalancing and its role in maintaining intended risk levels over time. Second, we analyze a real world pension scenario involving a $60,000 lifetime annuity versus a $1.2 million lump sum. The conversation explores income durability, estate impact, Monte Carlo outcomes, liquidity considerations, and how a personal pension strategy can alter long term results.This episode is intended to provide structured perspective for those evaluating significant retirement decisions.Learn more at swpconnect.com

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with football season excitement - Saints vs Dogs, tickets locked in for June 21, 2026, and the inevitable complaining about obscene player salaries. The Boomer Briefing tackles two critical topics: Q Super's Retirement Bonus - What it is, how it works, eligibility criteria, and whether it's actually worth it or just marketing spin. Selling down assets: Accumulation vs Pension phase - The massive tax differences that could save or cost you tens of thousands. When should you sell? What's the optimal timing? This is pure gold for anyone approaching retirement. Then comes the main event - "Unclench-CtrlAltRetire's" epic question: "I'm 62, currently staring terrified into the retirement abyss with $2M in cash. 50% in a bank at 4.25%, 50% in super on the Members Direct platform, treating the 'Buy' button like it's a detonator. I am paralysed by sequencing risk and overwhelmed by options, resulting in total inaction. Drew and James deliver a masterclass on: - Franking credit refunds in pension accounts (the actual mechanics) - CGT exemptions in pension phase (what IS and ISN'T covered) - Geared ETFs reality check (risk vs reward in retirement) - Dollar-cost averaging strategies to overcome analysis paralysis - Core portfolio construction for retirees - How to finally press the "Buy" button without panic This episode is essential for anyone frozen by fear with cash earning nothing while markets move. If you like this Australian Retirement Podcast episode on pension phase tax strategies and overcoming investment paralysis, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Många kan inte betala elräkningen / Flera barn heter Jihad trots att Skatteverket ej ska godkänna det / Forskning: Stormar över havet kan dämpa klimatförändringar / Pensionärer börjar spela musik tillsammans Lyssna på alla avsnitt i Sveriges Radios app. Reportrar: Jenny Pejler & Nina Muossa.

Ireland faces a looming "pensions timebomb", with the ratio of workers to over-65s set to more than halve by 2065 without policy reform. That was the warning from officials at the Department of Finance in their appearance before the Oireachtas housing committee yesterday. To discuss this further Anton spoke to Dr Emma Howard, Economist and Lecturer at TU Dublin.

Philippe Besson vous présente son ouvrage "Une pension en Italie" aux éditions Julliard. Entretien avec Sylvie Hazebroucq. Rentrée littéraire janvier 2026.Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Guest: Barbara October | GroundUp deputy editor The Independent Electoral Commission (IEC) has made a commitment to make voting easier for those with disabilities; a former Lottery boss found guilty of corruption has gone to court to fight to get his pension back; a look at some of the demands from civil society ahead of budget speech. Lester Kiewit speaks to Barbara October of GroundUp News about these stories. Good Morning Cape Town with Lester Kiewit is a podcast of the CapeTalk breakfast show. This programme is your authentic Cape Town wake-up call. Good Morning Cape Town with Lester Kiewit is informative, enlightening and accessible. The team’s ability to spot & share relevant and unusual stories make the programme inclusive and thought-provoking. Don’t miss the popular World View feature at 7:45am daily. Listen out for #LesterInYourLounge which is an outside broadcast – from the home of a listener in a different part of Cape Town - on the first Wednesday of every month. This show introduces you to interesting Capetonians as well as their favourite communities, habits, local personalities and neighbourhood news. Thank you for listening to a podcast from Good Morning Cape Town with Lester Kiewit. Listen live on Primedia+ weekdays between 06:00 and 09:00 (SA Time) to Good Morning CapeTalk with Lester Kiewit broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/xGkqLbT or find all the catch-up podcasts here https://buff.ly/f9Eeb7i Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk5See omnystudio.com/listener for privacy information.

Ireland faces a looming "pensions timebomb", with the ratio of workers to over-65s set to more than halve by 2065 without policy reform. That was the warning from officials at the Department of Finance in their appearance before the Oireachtas housing committee yesterday. To discuss this further Anton spoke to Dr Emma Howard, Economist and Lecturer at TU Dublin.

Joe and Big Al spitball two sides of the retirement equation, today on Your Money, Your Wealth® podcast number 570. Daniel in Texas is 40 and worrying about how to support Mom and Dad if their money runs out. Can he build some kind of financial safety net for them without ruining his own retirement? Jemma's 82-year-old mom is drawing down her portfolio. Is locking in guaranteed income with an annuity a smart move, or could that create new problems down the road? Plus, "Cookie and Gerry" want to walk away from work before 50 with a big brokerage account and a pension. Are they positioned correctly? How can they avoid pulling the wrong levers at the wrong time? And "Fred and Wilma" are staring at a potential multi-million-dollar ESOP payout. What levers do they need to pull so they can retire at 46 and shout "Yabba Dabba Doo"? Free Financial Resources in This Episode: https://bit.ly/ymyw-570 (full show notes & episode transcript) 10 Steps to Improve Investing Success - free download What to Do When the Stock Market Gets Crazy - 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 00:57 - Can I Afford to Be My Parents' Retirement Plan? (Daniel, Texas) 07:07 - Will an Annuity Really Save Mom From Running Out of Money? (Jemma) 15:07 - Can We Retire in Our Early 50s With a Pension and a $190K Spend? (Cookie and Gerry) 30:39 - Can We Retire Early at 46 With a $4M ESOP and a $210K Spend? (Fred and Wilma, CA) 44:23 - Outro: Next Week on the YMYW Podcast

Nhiều người Úc gốc Việt ấp ủ kế hoạch trở về Việt Nam sinh sống lâu dài sau khi nghỉ hưu. Chi phí sinh hoạt thấp hơn, gần gũi gia đình, văn hóa quen thuộc, tất cả đều là những yếu tố hấp dẫn. Tuy nhiên, câu hỏi lớn nhất vẫn là: Age Pension có tiếp tục được trả khi sống tại Việt Nam hay không, và nếu có thì được bao nhiêu?

Mandy Wiener speaks to MK Party’s acting parliamentary leader, Des van Rooyen about MK Party bid to strip former NDPP,Adv Shamila Batohi, of her pension. The Midday Report with Mandy Wiener is 702 and CapeTalk’s flagship news show, your hour of essential news radio. The show is podcasted every weekday, allowing you to catch up with a 60-minute weekday wrap of the day's main news. It's packed with fast-paced interviews with the day’s newsmakers, as well as those who can make sense of the news and explain what's happening in your world. All the interviews are podcasted for you to catch up and listen to. Thank you for listening to this podcast of The Midday Report Listen live on weekdays between 12:00 and 13:00 (SA Time) to The Midday Report broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk https://buff.ly/NnFM3Nk For more from The Midday Report go to https://buff.ly/BTGmL9H and find all the catch-up podcasts here https://buff.ly/LcbDdFI Subscribe to the 702 and CapeTalk daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

Catch Up on the latest leading news stories around the country with Mandy Wiener on Midday Report every weekday from 12h00 - 13h00. The Midday Report with Mandy Wiener is 702 and CapeTalk’s flagship news show, your hour of essential news radio. The show is podcasted every weekday, allowing you to catch up with a 60-minute weekday wrap of the day's main news. It's packed with fast-paced interviews with the day’s newsmakers, as well as those who can make sense of the news and explain what's happening in your world. All the interviews are podcasted for you to catch up and listen to. Thank you for listening to this podcast of The Midday Report Listen live on weekdays between 12:00 and 13:00 (SA Time) to The Midday Report broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk https://buff.ly/NnFM3Nk For more from The Midday Report go to https://buff.ly/BTGmL9H and find all the catch-up podcasts here https://buff.ly/LcbDdFI Subscribe to the 702 and CapeTalk daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Prof Andre Roux, Economist at Stellenbosch Business School joins Clarence Ford on air ahead of Budget 2026. Views and News with Clarence Ford is the mid-morning show on CapeTalk. This 3-hour long programme shares and reflects a broad array of perspectives. It is inspirational, passionate and positive. Host Clarence Ford’s gentle curiosity and dapper demeanour leave listeners feeling motivated and empowered. Known for his love of jazz and golf, Clarrie covers a range of themes including relationships, heritage and philosophy. Popular segments include Barbs’ Wire at 9:30am (Mon-Thurs) and The Naked Scientist at 9:30 on Fridays. Thank you for listening to a podcast from Views & News with Clarence Ford Listen live on Primedia+ weekdays between 09:00 and 12:00 (SA Time) to Views and News with Clarence Ford broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/erjiQj2 or find all the catch-up podcasts here https://buff.ly/BdpaXRn Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

The uMkhonto weSizwe Party has lodged an urgent application in the Gauteng High Court to halt former NDPP Shamila Batohi's pension and post‑term gratuities pending a review. The party also wants to reverse funding for her legal costs in the Nkabinde Inquiry, arguing payments must be lawful and rational amid alleged misconduct. The MK says concerns raised during Batohi's testimony at the inquiry require scrutiny before any benefits are disbursed. The three‑part case is scheduled for hearing in March. For reaction and analysis on the merits of the case, Elvis Presslin spoke to Mametlwe Sebei, Lecturer in the College of Law at University of South Africa, UNISA

What happens when career burnout slowly erodes your identity, energy, and mental health even in a stable, pension-backed role? After decades in city planning, Cathy realized that job security wasn't worth sacrificing her wellbeing. In this episode, she shares how she confronted scarcity beliefs, walked away from stability, and rebuilt her life around autonomy and alignment.   What you'll learn How to recognize when burnout is tied to identity, not just workload Why job security and pensions can become avoidance mechanisms The hidden cost of masking and over-functioning at work How scarcity beliefs influence career decisions What it really takes to leave a "stable" job and rebuild on your own terms   Our book, Happen To Your Career: An Unconventional Approach To Career Change and Meaningful Work, is now available on audiobook! Visit  happentoyourcareer.com/audible to order it now! Visit happentoyourcareer.com/book for more information or buy the print or ebook here! Want to chat with our team about your unique situation? Schedule a conversation   Free Resources What career fits you? Join our free 8 Day Mini Course to figure it out! Career Change Guide - Learn how high-performers discover their ideal career and find meaningful, well-paid work without starting over.   Related Episodes Changing Careers (When You Don't Know Your Next Job Title) (Spotify / Apple Podcasts) Executive Burnout: Making A Midlife Career Change (Spotify / Apple Podcasts)  

Pj chats to John Bowen who explains why CIÉ pensioners are marching in Cork for an agreed raise that still hasn't landed. Hosted on Acast. See acast.com/privacy for more information.

PJ hears about Retired CIÉ workers who have gone 18 years without a pension rise, Cork success at the IFTAS, and two cars stolen from Maryborough Avenue! Hosted on Acast. See acast.com/privacy for more information.

Politikerne frygter, at flere danskere vil trække sig fra arbejdsmarkedet før den officielle pensionsalder, men det er en dyr fornøjelse, hvis man ikke har staten med som finansiel bagstopper. Nykredits formueekspert forklarer i denne udgave af podcasten, hvordan man sikrer sig, at man i hvert fald har fleksibiliteten til at trække sig tidligt, så beslutningen handler om lyst og ikke nød. Gæst: Jeanette Kølbek, formueekspert i Nykredit Vært: Heidi Birgitte Nielsen, økonomisk redaktør på Finans Redigering: Kasper Søegaard, podcastredaktør på Finans.See omnystudio.com/listener for privacy information.

In this episode: employers in Northern Canada are developing and retaining talent through earn-and-learn models, federal public servants seeking legal advice amid layoffs, younger workers are reshaping career progression beyond the traditional corporate ladder, when it is time to quite side hustle, and other topics.Follow us on: X @cadHRnews; LinkedIn @ Canada HR News Podcast to get the latest HR updates.Childcare employment in Canada has grown significantly since the launch of the Canada-wide Early Learning and Child Care program in 2021 | Childcare Employment Is Up Since 2021 but Has Further Room to Grow - Indeed Hiring Lab Canada Employers in Northern Ontario, Yukon and Nunavut are confronting rising demand for skilled workers | How employers in Northern Canada are approaching workforce development amid increasing demand for skilled workers | Benefits Canada.com Federal public servants seek legal and union support amid significant job cuts and workforce adjustments | Federal public servants seek legal advice as they face job cuts | Politics | thecanadianpressnews.ca Ontario's Pay Equity Office is spotlighting a recent report on Canada's gender pension gap | Ontario's Pay Equity Office Reflects on Groundbreaking Report: "The Gender Pension Gap" | Pay Equity Office Younger workers in Canada are increasingly rejecting the traditional corporate ladder | Young workers taking different approach to corporate ladder Many Canadians juggling side hustles are finding that they turn into a drain on energy, time and well-being | Side hustles: How to know it's time to quit If you would like to be a guest on the podcast, send us a message at LinkedIn or X @CadHRNews

This week the new "scheme pays" option for UK pension scheme transfers to QROPS, Inland Revenue is consulting on banking taxation changes, and an interesting and useful Taxation Decision Review relating to foreign investment funds

Marty discusses the quiet fears surrounding retirement that many individuals face. He emphasizes the importance of building financial confidence through comprehensive planning, addressing the emotional transitions that come with retirement, and overcoming spending anxieties. The conversation also touches on the disciplined saver mindset, the significance of feeling prepared for retirement, and strategic planning for unexpected life events. Questions are answered, providing insights into maximizing social security benefits and budgeting for healthcare costs. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

#ThisMorning | #Public #Pension #Debt Should be Scrutinized Like Other Types of #Government Debt | Rod Crane, JD, Reason Foundation  | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

Welcome to the Speaking Podcast. Guest Vlad Tayman went from spending 20 years climbing the corporate ladder to total burnout, losing $150K trying to escape, and finally finding a trading strategy that let him replace his $250K salary trading just a few times a month. All Episodes can be found at ⁠⁠⁠https://www.podpage.com/speaking-podcast/⁠⁠   All about Roy / Brain Gym & Virtual Assistants at ⁠⁠⁠https://roycoughlan.com/⁠⁠⁠   #VladTayman #trader #investment    Bio of Vlad Tayman Vlad Tayman is the founder of Trader Foundation, a trading education platform built on a radical premise: busy professionals can learn to generate consistent income without chaining themselves to screens or gambling their retirement savings.His path there wasn't typical. After immigrating from Ukraine and climbing to Director-level positions over 20 years in corporate America, Vlad hit a wall—severe burnout, health issues, and the realization that success without wellbeing wasn't success at all. Trading offered an escape, but he saw most people approaching it wrong: chasing hot tips, trusting bots, or handing money to strangers who didn't care.So he built Trader Foundation differently. Drawing on his background as a training director, he stripped trading down to essential patterns anyone could follow. The model combines one-on-one coaching , unlimited support, paper trading until you're ready, and a written money-back guarantee. Six years and 100+ students later, the focus remains the same: teach people to fish, don't fish for them.   What we Discussed:   00:00 Who is Vlad Tayman   01:30 His Career to date   03:47 He does not take people's money butteaches them skills   05:50 Some people trade to make money for themselves and not their clients   06:30 Their Trust Pilot Reviews   07:00 The Process of how they work   09:40 Their Coaches trained with them   11:54 How he can simplifies the Metrics   14:21 Example with Netflix   15:00 Why you should   18:10 Can you trade with Ai bots   20:50 People Glued to their PC when Trading   23:20 Letting your Emotions get in the way of Trading   26:45 The Metrics and Training to simplify it   29:00 The Different Plans they offer   31:50 Using your Pension to Invest   33:30 93% Chance of Winning   34:50 What things can go wrong   38:45 His Trader Foundation Podcast   40:05 Social Media influencers are not the ones you take advice from   42:50 Should we track Pelosi   45:05 How the Coaches work   49:05 They share a lot of valuable information on Social Media   50:00 People are Skeptical of Trading   51:30 Positive reviews for the company   54:15 Where they can find Vlad   How to Contact Vlad Tayman   ⁠https://trader.foundation/⁠     All about Roy / Brain Gym & Virtual Assistants at ⁠⁠⁠https://roycoughlan.com/⁠⁠⁠  

This conversation delves into the intricate world of behavioral finance, exploring how emotions and biases can significantly impact financial decisions, particularly in retirement planning. Kelley emphasizes the importance of having a structured financial plan, the role of professional wealth management, and the necessity of educating future generations about financial responsibility. The discussion also highlights common pitfalls in financial decision-making and the importance of communication in legacy planning. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

The Fukushi Shimbun reported on February 19th that the Japan Federation of Bar Associations (JFBA) said Jan. 30 it had submitted a statement to the Health, Labor and Welfare Ministry calling for fair disability pension certifications, criticizing a ministry probe that found no improper handling in cases where initial certification reports were rewritten, discarded and reassessed. Regarding the ministry's Jan. 16 report, the JFBA said it was “clearly unreasonable” to describe the rewriting of certification reports as merely correcting deficiencies. Episode notes: ‘Japan Federation of Bar Associations calls Welfare Ministry's Disability Pension report “clearly unreasonable” ‘: https://barrierfreejapan.com/2026/02/20/japan-federation-of-bar-associations-calls-welfare-ministrys-disability-pension-report-clearly-unreasonable/

C'est un bilan paradoxal de Bpifrance qui injecte 72 milliards d'euros dans l'économie, tout en réduisant ses aides directes à l'innovation. Alors que le plan France 2030 touche à sa fin, l'urgence d'un "France 2040" se confronte à la réalité du terrain : l'État peut-il rester l'unique moteur ?La France doit-elle désormais mobiliser l'épargne privée et les fonds de pension pour espérer rivaliser avec les géants américains et l'offensive allemande ? Réponse avec Julien Khaski, rédacteur en chef de Maddyness. Ecorama Tic Tech du 20 février 2026, présenté par David Jacquot sur Boursorama.com. Hébergé par Audion. Visitez https://www.audion.fm/fr/privacy-policy pour plus d'informations.

Tackling the Gender Wealth Gap: Strategies for Women to Secure Retirement - Ep. 136. Buy Becky's book here: https://www.amazon.co.uk/Ten-Ways-Accelerate-Your-Wealth/dp/B09GJGH272 Discover the realities behind the gender wealth gap and what women can do right now to secure a stable retirement. In this solo episode, Rebecca Robertson breaks down the facts, challenges and practical solutions for closing the gap. In this episode you will learn:  Key statistics from the Scottish Widows Women in Retirement report The impact of career breaks on women's pensions and retirement income Practical steps couples can take to reduce pension gaps Financial planning tips for women navigating family and career Why starting early is crucial for avoiding poverty in retirement Chapters 00:00 "Gender Pension Gap Widens" 05:11 "Pension and Gender Pay Gap" 07:19 Delayed Financial Planning Costs 10:25 Shared Finances and Pension Planning 13:30 "Maximising Finances for Businesswomen" ----------------------------------------------------------------------------------------------------------- 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  

As fiduciaries, when we review a $1 million TSP portfolio, our first priority isn't performance — it's protecting retirement income from sequence of returns risk, inflation, and unnecessary tax exposure.”

Die Schweizer Bevölkerung wird immer älter. Vor einem Vierteljahrhundert kamen auf 100 arbeitende Leute 25 Pensionäre, über 65 Jahre. Heute sind es schon 32 und in 15 Jahren werden es 46 Pensionäre sein.Diese Entwicklung bringt den Staat finanziell zunehmend unter Druck. Schon heute gibt der Bund mehr Geld für die AHV aus als für jeden anderen Bereich. Gleichzeitig scheinen Steuer- und Rentenaltererhöhungen an der Urne nicht mehrheitsfähig – was die Lage zusätzlich verschärft.Was kostet es den Staat, wenn alle immer älter werden? Welche Lösungen bleiben dem Bund noch? Und ist das ein klassischer Generationenkonflikt?Darüber spricht Konrad Stähelin, Wirtschaftsredaktor im Bundeshaus, in der neuesten Folge vom täglichen Podcast «Apropos».Host: Philipp LoserProduzentin: Valeria MazzeoMehr zum ThemaKonrad Stähelins Analyse zur finanziellen Schieflage durch die ältere GenerationBevölkerung soll freiwillig länger arbeiten: So will der Bundesrat die AHV umbauenDas Rentenalter muss rauf: Meinung von Konrad Stähelin zur AHV-Krise Unser Tagi-Spezialangebot für Podcast-Hörer:innen: tagiabo.chHabt ihr Feedback, Ideen oder Kritik zu «Apropos»? Schreibt uns an podcasts@tamedia.ch Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Host: Amparo DomingoCris Walker - SpainWhat happened to the 2015 maternity benefit in Spanish pensions to turn it into a "paternity" benefit in 2025?Talk: In 2015, the Spanish government introduced a maternity benefit in women's pensions by law with the aim of narrowing the gender gap. Ten years later, men are receiving it en masse because the European Court of Justice ruled that the measure was discriminatory against men.I am a 60 yo Spanish feminist translator. I translate mainly texts by Lesbian Radical Feminists authors but also essays on prostitution or articles on a variety of (feminist) subjects. As a dear friend told me days ago, my translating is an act of love. I love the texts and I love to spread them among my Spanish speaking sisters.I can no longer work for a salary due to a chronic illness so I have a lot of time. I love going for walks on the countryside, meeting my feminist friends and connecting women whenever I can. I offer my help when needed. I love women.Gill Kirkup EnglandWhy I signed the Declaration on Women's Sex-Based RightsA brief biography. How I became a feminist in the 1970s, had an academic career that involved working on university 'Womens/Gender Studies' courses as well as researching women and technology. Being blindsided by the movement to promote gender self-ID and the denial - especially by 'feminist' organisations - that this would have any negative impacts on women or conflict with women's sex-based rights.♀♀♀♀♀♀♀♀♀Enjoying our webinars? If you are a position to make a one-off or recurring donation to support our work, you can find out how to do so (and see our financial reports) at https://www.womensdeclaration.com/en/donate/ - thank-you!♀♀♀♀♀♀♀♀♀Women's Declaration International (#WDI) Feminist Question Time is a weekly online webinar (Saturdays 3-4.30pm UK time). It is attended by a global feminist and activist audience of between 200-300. The main focus is how gender ideology is harming the rights of women and girls. See upcoming speakers and register to attend at https://bit.ly/registerFQT. There is also a monthly AUS/NZ FQT, on the last Saturday of the month at 7pm (Canberra, Melbourne, Sydney)/9pm (NZ). Register to attend at https://bit.ly/registerFQTAUSNZ.On Sundays (10am UK time), our webinar series, Radical Feminist Perspectives, offers a chance to hear leading feminists discuss radical feminist theory and politics. Register at https://bit.ly/registerRFP.WDI is the leading global organisation defending women's sex-based rights against the threats posed by gender identity ideology. Find out more at https://womensdeclaration.com, where you can join more than 30,000 people and 418 organisations from 157 countries in signing our Declaration on Women's Sex-based Rights. The Declaration reaffirms the sex-based rights of women which are set out in the Convention on the Elimination of all Forms of Discrimination against Women adopted by the United Nations General Assembly on 18 December 1979 (#CEDAW).Disclaimer: Women's Declaration International hosts a range of women from all over the world on Feminist Question Time (FQT), on Radical Feminist Perspectives (RFP) and on webinars hosted by country chapters – all have signed our Declaration or have known histories of feminist activism - but beyond that, we do not know their exact views or activism. WDI does not know in detail what they will say on webinars. The views expressed by speakers in these videos are not necessarily those of WDI and we do not necessarily support views or actions that speakers have expressed or engaged in at other times. As well as the position stated in our Declaration on Women's Sex-based Rights, WDI opposes sexism, racism and anti-semitism. For more information, see our Frequently Asked Questions (https://womensdeclaration.com/en/about/faqs/) or email info@womensdeclaration.com.#feminism #radicalfeminism #womensrights

Seit über 30 Jahren leitet Thomas Bucheli die SRF-Wetterredaktion. Ende Frühling geht er in Pension. Wie hat sich die Qualität der Prognosen verändert? Wann hat er sich verschätzt? Wie geht er mit dem Druck aus der Öffentlichkeit um? Und wie aussergewöhnlich sind die aktuell starken Schneefälle? Seit 1992 arbeitet Thomas Bucheli als Meteorologe bei SRF, seit 1995 leitet er die Wetterredeaktion. Die Prognosen seien heute deutlich besser als zu seiner Anfangszeit. Er wisse nicht, ob er die damaligen Prognosen heute noch verbreiten würde, schmunzelt er. Es habe sich viel verändert, auch die Stellung des Wetters. Heute sei es politisch aufgeladen. Bucheli macht seine Arbeit mit grosser Leidenschaft. Zu wissen, dass es nun bald vorbei ist, fällt ihm nicht leicht. Er moderiert am 27. Mai seine letzte Sendung. Thomas Bucheli ist zu Gast bei Simone Hulliger.

The Neighbourhood Crotch saga... @mehiganmark on Instagram for all roast suggestions.

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, … 02/21/26 – HERO’S Talk Radio Read More » The post 02/21/26 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

Listen to this next - ⁠ EVERYTHING You Need To Know About Pensions (State, Workplace, SIPPs & more)In this podcast episode, we answer a great question:'Should I use a workplace pension, SIPP or Stocks & Shares ISA?'In really comes down to tax optimisation vs flexibility.In this episode we break down the key differences, when each one makes sense and the simple framework I use to decide which one to focu on.Listen to the podcast episode for the full details.And thanks for the question Craig! If you have a question, feel free to email me: makingmoneysimple1@gmail.com -----------------------------------------More Investing:

In our third episode of the season, Tom Fraser, a union researcher and author of Invested in Crisis: Public Sector Pensions Against the Future, and Becca Steckle, a research and policy analyst with Just Peace Advocates, join us to discuss how Canada's public sector pensions are funding crises from housing to genocide, the restructuring of Canadian retirement security into capital funding for militarism and welfare erosion around the world and the urgent need for divestment toward a radical pension politics. According to Fraser: "What I see as specifically contradictory about the structure of the pension fund is that in an age of de-industrial capitalism returns on investment and ..profits ..are directly contradictory with the point of the pension itself … [which] is to enable the continued life of the worker after retirement. But the structure of that sort of capital accumulation necessitates taking value from those same sorts of necessities. There is a basic level contradiction in terms between the pension as finance and the pension as welfare. And they ultimately hit their collision point in the moment we call retirement." Reflecting on what pensions are funding, Steckle says: "If you look at most of all eight of those pensions … there is a significant percentage of those investments in companies that are actively funneling money, whether the companies themselves are participating in war crimes, genocide, armed conflict … For example, if you look at CPP, the Canadian Pension Plan. They had in 2025 an estimated $27 billion just invested in companies complicit in the occupation, apartheid genocide in Palestine by Israel … That doesn't include how the companies are violating Indigenous rights here in so-called Canada. That doesn't include Sudan. That doesn't include Haiti … That is just looking at Palestine." About today's guests:  Tom Fraser is a researcher based in Toronto. His book on the political economy of Ontario's pension funds, Invested in Crisis: Public Sector Pensions Against the Future, was released by Between the Lines in February 2025.  Becca Steckle (she/they) holds a law degree from Osgoode Hall Law School and is a registered nurse (RN, non-practicing). As a research and policy analyst at Just Peace Advocates (JPA), Steckle helps to analyze and expose institutional complicity, particularly Canadian institutional complicity in occupied Palestine and Kashmir. As part of JPA's work, they have analyzed the investment portfolios of more than 15 entities to identify companies complicit in Israel's occupation, apartheid, and genocide in the report Our Pensions Are Funding Genocide. She is deeply committed to local organizing efforts and believes in Disability Justice as a daily praxis.  Transcript of this episode can be accessed at georgebrown.ca/TommyDouglasInstitute.  Image: Becca Steckle, Tom Fraser / Used with permission. Music: Ang Kahora. Lynne, Bjorn. Rights Purchased.  Intro Voices: Ashley Booth (Podcast Announcer); Bob Luker (Tommy)  Courage My Friends podcast organizing committee: Chandra Budhu, Ashley Booth, Resh Budhu.  Produced by: Resh Budhu, Tommy Douglas Institute of Labour and Social Justice and Breanne Doyle, rabble.ca.  Host: Resh Budhu. 

Faheema Adia from Momentum Securities on Telkom's upbeat update – and whether the telecoms sector still has room to run. Seithati Bolipombo of Mulilo on what lies ahead for South Africa's renewables as they move from backup solution to the backbone of the energy mix. 10X Investments's Caroline Naylor-Renn with the latest on two-pot withdrawals, and Treasury's plans to introduce auto-enrolment for pension funds across the workforce.

Wer das Pensionsalter erreicht hat, setzt sich zur Ruhe. Ist dann ein gutes Leben möglich? Das beantwortet die Ökonomin und Pensionsexpertin Heike Lehner.Ein Podcast von Pragmaticus.Das Thema:Wie sicher sind Österreichs Pensionen – und was bedeutet das für folgende Generationen? Im Gespräch mit der Ökonomin Heike Lehner, Generalsekretärin der „Aktion Generationengerechtigkeit“, diskutieren wir die Schwächen des derzeitigen Umlagesystems, die steigenden Budgetzuschüsse und die Risiken, die sich daraus ergeben. Lehner erklärt, warum sie eine Stärkung der zweiten und dritten Säule fordert, welche Reformen sie für unvermeidlich hält und wieso finanzielle Bildung für jede und jeden zur Pflicht werden sollte. Ein Podcast über ehrliche Bestandsaufnahmen, mögliche Auswege – und die Frage, was wir jetzt tun sollten, damit wir im Alter wirklich gut leben können.Unser Gast in dieser Folge: Heike Lehner ist freiberufliche Ökonomin und Generalsekretärin der „Aktion Generationengerechtigkeit“, einem Verein, der sich für ein nachhaltiges Pensionssystem einsetzt. Sie hat Volks- und Betriebswirtschaft an der Universität Wien und Wirtschaftsuniversität Wien studiert, sowie ihr Masterstudium in St. Gallen absolviert. Dies ist ein Podcast von Der Pragmaticus. Sie finden uns auch auf Instagram, Facebook, LinkedIn und X (Twitter).

In this episode of The Aspiring Psychologist Podcast, we explore what it's really like working as a UK-trained Clinical Psychologist in the UAE. If you've ever wondered about relocating abroad, practising outside the NHS, navigating private healthcare systems, or balancing career progression with lifestyle changes, this conversation offers a realistic and informed perspective.I'm joined by Dr Jack Nejand, a UK-trained Clinical Psychologist who moved from South London to Abu Dhabi. We discuss visas, licensing, tax differences, CAMHS-style work in the UAE, insurance-based healthcare models, relocation logistics, career development abroad, service development opportunities, and what life actually feels like on the ground.Whether you're considering working as a psychologist overseas, exploring expat life, or simply curious about international career pathways in clinical psychology, this episode provides clarity without selling a fantasy.This conversation is especially relevant for:UK Clinical Psychologists considering relocationDClinPsy applicants thinking long-term about career optionsPsychologists navigating burnout or financial pressuresAnyone curious about working in private healthcare abroadTimestamps: 00:00 – Why psychologists are considering working abroad04:03 – How the opportunity to move to the UAE emerged06:51 – Telling family and friends about relocating08:27 – Why more young professionals are leaving the UK10:00 – The lifestyle reality of living in Abu Dhabi15:39 – Cohabitation laws and cultural considerations17:00 – What CAMHS looks like in the UAE21:02 – Insurance-based healthcare explained25:15 – Clinical severity and thresholds compared to the NHS27:27 – CPD, conferences and career development abroad28:48 – Visas, licensing and Emirates ID31:13 – Pension, leave and employment differences34:52 – Bringing UK service models into UAE schools38:37 – Assistant Psychologist roles and early-career pathwaysLinks:

We're taking a look at Santander's 98% Deposit Mortgage for First Time BuyersWhat it is Who it's forThe term and rateLoan to Value considerationsThoughts to considerEach week, the podcast will focus on:one signal worth unpackingone calm conversationand one small adjustment to considerSome episodes will be anchored to the news.Others will focus on behaviour or seasonal pressures.The format stays the same.The podcast mirrors the thinking in the weekly newsletterIt often sets up conversations inside the communityBut it's designed to be useful on its ownYou don't need to listen to every episode.You don't need to take notes.If one idea helps you think more clearly about your money, it's done its job.Submit your question - https://forms.gle/RHLjdE9BuU92ersr6Join the community waitlist - https://subscribepage.io/PrYX78Full viewer question on YouTube - https://youtu.be/uw7gNRLJmgM

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.

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!

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.

Episode Summary: Forget everything you thought you knew about pension plans being just for government workers. In this episode, pension lawyer Jean-Pierre (JP) Laporte, Pension Lawyer and Founder, Integris Pension Management, joins host Colleen O'Connell-Campbell to share a series of powerful, real-life case studies showing how registered pension plans - including Individual Pension Plans (IPPs) and Personal Pension Plans - are quietly and dramatically transforming the wealth trajectories of incorporated business owners across Canada. From a 73-year-old founder who saved his family $4 million in a single phone call, to a lawyer who discovered his pension was exempt from departure tax when relocating abroad, these are stories of what happens when the right strategy meets the right advisor. JP also breaks down the seven tax deductions available through a registered pension plan, the 2020 Ontario regulatory changes that removed the biggest barriers to entry, and why the only thing standing between most business owners and better retirement outcomes is awareness.   Key Takeaways   Since December 8, 2020, Ontario eliminated provincial registration requirements for connected persons, removing mandatory contributions, locking-in rules, and provincial fees - a major change for business owners.   Registered pension plans offer up to seven corporate tax deductions, compared to the single annual RRSP contribution - including past service recognition, higher annual contributions (up to ~30% by age 64), special catch-up payments, investment management fee deductions, loan interest deductions, and terminal funding contributions for early retirement.   Family business owners can add children to the pension plan once they are employed, creating a multigenerational wealth transfer vehicle with no 21-year deemed disposition rule (unlike family trusts).   Business owners holding passive investments inside their corporation can sell capital properties to fund the pension plan, offset the capital gain with the pension deduction, and generate tax-free capital dividends - creating a "corporate TFSA" effect.   Pension assets are exempt from departure tax when a business owner becomes a non-resident of Canada, and cross-border pension income is taxed at just 15% under most tax treaties (versus 25% for RRSP withdrawals).   Upon death without a spouse, pension plan assets can be split among multiple beneficiaries (including charities), with each taxed only on what they receive - a significant income-splitting advantage over RRSPs.   Pension plan assets enjoy creditor protection in Ontario, unlike RRSPs held outside of insurance companies.   Ideal Candidates: Family business owners with multiple generations, C-suite executives earning high T4 income, and incorporated professionals (doctors, lawyers, accountants, pharmacists).   If you are an incorporated business owner  An IPP can be a tax smart retirement engine for the right incorporated owner, but it comes with rules, admin, and costs that need to be understood up front. You can fund with more flexibility as you age, but access is not as instant as an RRSP unless you plan for wind-up timing and implications. The structure can support creditor protection and estate or succession planning in ways many founders do not consider early enough. Book a one on one Wealth Gap Analysis with Colleen O'Connell-Campbell to pressure test whether your personal plan is aligned with your exit and retirement strategy.  

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