Podcasts about Pension

Is it foolish if I spend $300k on a renovation project during retirement? 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

Why are everyday pensioners being forced through 'paperwork warfare' while the Prime Minister and public servants enjoy guaranteed defined benefits? Gary Hardgrave called out this 'systemic elder abuse' and argued for a system that treats all older Australians with dignity.See omnystudio.com/listener for privacy information.

Vergangenen Samstag hat er einen Drohnenangriff in der Ukraine nur haarscharf überlebt: Christian Wehrschütz, der diese Woche auf Kurzbesuch nach Österreich gekommen ist. Diesmal ist der Kriegsreporter zu Gast in Ö3-„Frühstück bei mir“. „Die Anteilnahme im ganzen Land bewegt mich zutiefst.“, sagt Wehrschütz auf Ö3. Tausende Reaktionen sind auf allen Kanälen gekommen. Im Gespräch mit Claudia Stöckl spricht Wehrschütz über seinen Umgang mit Gefahr ("Ich bin kein Abenteurer"), sein Glaube an Gott und sein Leben im Kriegsgebiet. Und er bestätigt, im Dezember 2026 in Pension zu gehen und plant eine Weltreise mit seiner Frau: "Der Friedhof ist voller unersetzlicher. Ich werde meinen Vertrag sicher nicht verlängern." (Dieser Beitrag begleitet das "Frühstück bei mir", Ö3, 16. November 2025)

On this episode of the AJ Bell Money and Markets podcast, Laura Suter delivers some good news on pension tax free cash after it's reported that the Chancellor won't alter allowances at the Budget. [2:10] But with a merry-go-round of speculation every year impacting savers' decisions, AJ Bell is calling for the government to take seriously its calls for a pension tax lock. As the FTSE 100 breaks more records and edges closer to the psychologically important 10,000 mark, Danni Hewson digs into what's behind this latest run of good form. Spoiler: it's not all good news. [4:40] An anticipated end to the US government shutdown has helped offset renewed nerves about an AI bubble after Softbank sold its entire stake of Nvidia. [9:32] And former Tesco boss Dave Lewis will be hoping every little can help him turn around the fortunes of drinks maker Diageo. [13:30]  Tom Sieber joins the team to talk about changes to AJ Bell's Shares magazine [16:30] With talk about potential changes to the cash ISA limit to try and get more of us to move away from cash savings and into investing, Laura's been crunching the numbers to find out exactly how investing in cash or stocks and shares compares over time [21:30]. Plus HMRC has been clamping down on benefits fraud – but they've not always been getting things right. [28:30] And our guest interview this week is a catch up with Ayush Abhijeet, Investment Director at Ashoka India Equity, who explains why returns have been a bit lacklustre over the past year and why that creates an opportunity for investors. [30:30]

Kelley discusses various strategies for managing 401k plans, including tax-saving techniques and the role of annuities in retirement planning. She emphasizes the importance of having a comprehensive financial plan that includes tax strategies, estate planning, and risk management. The conversation also addresses common misconceptions about annuities and the need for proper diversification in investment portfolios. Listeners are encouraged to take proactive steps in organizing their financial houses and to seek professional guidance for their unique situations. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty emphasizes the critical importance of having a structured retirement plan to alleviate financial stress. He discusses modernizing retirement strategies, the significance of understanding 401(k) options, and the nuances of managing debt in retirement. The conversation also addresses listener questions, providing insights into long-term care insurance and effective strategies for utilizing unexpected windfalls. Reach Marty aT 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

In this first episode of Season 2 of the ESG: Global podcast, Jamas Hodivala KC looks back a the 10 year anniversary of Mark Carney's "Tragedy of the Horizon" speech, which considered the links between climate change and financial stability. His guest, Professor Iain Clacher, is a pensions expert and they discuss the effects of the speech on the pensions sector, including exploring the role that long-term investment decisions made by pension funds can have on climate change.

In this episode of The Money Scope Podcast, Benjamin Felix and Dr. Mark Soth (The Loonie Doctor) take a deep dive into the complex world of pensions for incorporated professionals. They unpack the pros and cons of the various pension structures available in Canada—from RRSPs and IPPs to MEPPs—and explain how these compare in terms of tax treatment, investment flexibility, creditor protection, and long-term retirement security. Through their discussion, Ben and Mark illuminate how pensions really work for business owners who are both employer and employee, why "pension envy" can cloud rational decisions, and how evidence and math—not marketing—should guide your retirement planning. They also explore the behavioral and psychological side of pensions: why risk pooling matters, how defined benefit plans manage longevity and sequence risk, and when the added complexity of an IPP or MEPP might actually be worth it. This is one of the most comprehensive overviews of pensions you'll hear—combining research, real-world application, and practical insight for anyone trying to optimize their corporate retirement strategy.   Key Points From This Episode: Why pensions matter for Canadian business owners—and why this episode took a while to make. (0:01:20) Canada's three-pillar retirement system: public pensions, employer-sponsored pensions, and personal savings. (0:02:16) The pension landscape: RRSPs, individual pension plans (IPPs), and multi-employer pension plans (MEPPs). (0:03:19) Defined contribution (DC) vs. defined benefit (DB) pensions—who bears the investment risk. (0:06:24) How MEPPs like Medicus and HOOPP allow incorporated professionals to join group plans. (0:08:54) The truth behind branded pension products—why the legislative structure is what really matters. (0:10:20) Pension envy and the economics of compensation: who actually pays for "employer contributions." (0:12:27) Comparing RRSPs and pensions: tax deferral, limits, and liquidity differences. (0:14:55) RRSP flexibility vs. pension restrictions in withdrawals and contributions. (0:17:54) Defined benefit vs. defined contribution pensions—how risk and control shift between employer and employee. (0:22:57) Why small business owners often prefer IPPs after age 40. (0:25:20) What happens to pensions in retirement: RRSPs → RRIFs, pensions → LIRAs/LIFs. (0:29:06) Group pensions vs. individual pensions: pooling risks and costs. (0:31:34) Do big pensions really have investment advantages? A data-driven look at costs and active management. (0:33:18) Why institutional investors often underperform passive portfolios—even with elite managers. (0:39:24) CPP Investments as a case study: $700B in assets, billions in fees, and lagging benchmarks. (0:42:24) Evaluating pensions on liabilities, not just returns—what "immunizing liabilities" means. (0:45:45) Sequence-of-returns and longevity risk: why pooling helps retirees sleep better. (0:48:46) Behavioral finance and the comfort of cash buffers in retirement planning. (0:53:48) The trade-offs of pooling mortality risk—winners, losers, and stability. (0:57:56) Individual Pension Plans (IPPs): what they are, how they're structured, and when they make sense. (1:02:10) Contribution limits and past-service buybacks—why IPPs become powerful after age 40. (1:05:40) How spouses can be included in an IPP—and the nuances of spousal RRSPs. (1:09:39) The importance of actuarial valuations and how contribution "holidays" or "top-ups" work. (1:11:27) IPPs in practice: shifting corporate pre-tax dollars into a tax-sheltered pension efficiently. (1:14:38)   Links From Today's Episode: Medicus Pension Plan — https://www.medicuspensionplan.com/  HOOPP (Healthcare of Ontario Pension Plan) — https://hoopp.com/  Canada Pension Plan Investments — https://www.cppinvestments.com/  PWL Capital — https://pwlcapital.com/  Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://x.com/LoonieDoctor Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/  Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Money Scope on YouTube — https://www.youtube.com/@MoneyScopePodcast

This week, we break down what to know before buying into a practice, rethink what "net worth" really means, explore how to best use an Air National Guard retirement paycheck from 57 to 65, and highlight important basics on Special Needs Trusts. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #445 03:28 Buying into a Physician Owned Practice 11:42 What to Include in Net Worth 17:00 How to Think About a Pension 21:36 Managing a Special Needs Trust

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, … 11/15/25 – HERO’S Talk Radio Read More » The post 11/15/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

I nat spørger vi hos Nattevagten, hvordan du forholder dig til at være på/skulle på pension. Måske sætter du aktivt penge til side til din pension, måske modtager du en pensionsydelse fra det offentlige - eller måske har du været nødsaget til at gå på pension tidligere end forventet. Hvad end du er førtidspensionist, folkepensionist eller bare i gang med at spare penge op til en dag i fremtiden at skulle gå på pension en dag i fremtiden, så vil vi gerne høre fra dig. Lyt med!See omnystudio.com/listener for privacy information.

A warning New Zealand needs to act quickly on strengthening our retirement income system. The Retirement Commission's income policy review has found a longer-term political focus is needed to ensure future generations' certainty. It makes 12 recommendations, including moving more quickly to implement KiwiSaver reforms, and harder strategies such as a new cross-party accord. Policy and Research Director Patrick Nolan told Kerre Woodham we now have people over 65 than we have under 15, so we need to act now. He says New Zealand is going to look very different into the future, so these conversations need to be had. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Babs Drougge på P3 Nyheter förklarar morgonens stora nyheter, alltid tillsammans med programledarna för Morgonpasset i P3: Linnéa Wikblad och Margret Atladottir. Lyssna på alla avsnitt i Sveriges Radio Play. Ebba Busch (KD) oväntade flirt med Magdalena Andersson (S) i SvD har inte tagits väl emot av moderater. Många tror att utspelet är ett sätt att skaffa sig förhandlingsutrymme inför valet – en strategi som riskerar att slå tillbaka mot KD själva, enligt MUF-ordföranden Douglas Thor.Sen pratar vi om det så kallade JLC-guldet. Nu har parterna i tvisten nått en förlikning, men ett gäng pensionärer kan eventuellt försvåra processen att guldet lämnas ut.

durée : 00:05:46 - L'invité de "ici Maine" - Alors que de nombreuses cérémonies vont commémorer l'Armistice mettant fin à la Première Guerre mondiale, ce 11 novembre, la collecte du Bleuet permet aussi d'accompagner les victimes d'attentats terroristes, rappelle la directrice de l'Office national des anciens combattants, en Sarthe. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

durée : 00:03:39 - Hôtel Pension "Gabrielle"! au théâtre alsacien de Soufflenheim Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

"Dinner or debt"; that's the choice some people receiving the pension say they're forced to make after taking on student loans later in life. One Taupo woman says she's still got a $58,000 student loan, from a business degree two decades ago. Her super's now being docked to pay the debt and she says she's sacrificing the basics just so she can pay for rent and power. It's prompted calls for better guidelines on student loan eligibility and better communication between Inland Revenue and older students. Bella Craig reports.

What does it take to design and deliver a £2 billion real-estate platform serving over a million UK pensioners - while keeping a long-term focus in a short-term world? This week, I sat down with Alistair Smith, Head of Real Estate at Border to Coast Pensions Partnership, to unpack his 30-year career spanning advisory, private-equity, and institutional real estate - and the leadership lessons learned through every market cycle. Alistair's journey includes senior roles at abrdn, where he led European real-estate investment management, before joining Border to Coast in 2022 to launch its UK Direct and Global Indirect Pooled Funds - now managing roughly £2 billion across 11 partner funds. We discuss navigating mergers, restructuring portfolios, and how to build enduring value in an industry defined by change. Key Topics Covered In This Episode ✅ From Advisory to Institutional - The path from chartered surveyor to head of real estate ✅ Mergers & Change - Lessons from the abrdn / Standard Life integration ✅ Redundancy & Resilience - How to rebuild and refocus after a career shock ✅ Building Border to Coast - How to pool 11 pension funds and create a £2 billion platform ✅ Long-Term Value - Why durable income beats short-term churn in real-estate investing ✅ Market Outlook - Where he sees opportunity as core real estate rebalances Oh, and one last thing… In every episode, I ask each guest: Who are the People, what Property, and which Place they'd invest in if they had £500 million at their disposal? Alistair's answer reflected discipline, clarity, and a decades-long belief in the power of durable income and quality assets

Der Fussballmatch der Legenden mit dem Brasilianischen Fussballstar Ronaldinho und die Bildungsmesse Zebi zogen am Sonntag viele Leute an. Dies sorgte für ein grosses Verkehrschaos rund um die Luzerner Allmend. Weder die Polizei noch der Stadionbetreiber FCL sehen sich dafür in der Verantwortung. Weiter in der Sendung: · Der Direktor der Luzerner Psychiatrie geht vorzeitig in Pension. · In Luzern ist erstmals die Alpenfledermaus nachgewiesen worden. · Rebekka Wyler aus Erstfeld, die eneue VPOD-Generalsekretärin im Interivew.

We're living longer, saving too little, and the state pension's under pressure. So, can we actually afford to retire in the future?  Our favourite pensions expert Tom McPhail joins us to chat through what's changing in the current pension system, what's not, and what it all means for your future.

Laut den neuen Klimaszenarien drohen der Schweiz mehr Überschwemmungen, Murgänge, Dürren. Ist das noch versicherbar und warum versichern Schweizer Versicherungen immer noch klimaschädliche Projekte? Kritische Fragen an Stefan Mäder, den Präsidenten des Schweizerischen Versicherungsverbandes. Die Klimaszenarien, die der Bund diese Woche – kurz vor dem Start der UNO-Klimakonferenz in Brasilien - vorgestellt hat, zeigen bei allen Unterschieden zwischen den möglichen Verläufen, dass mehr und intensivere Extremwetterereignisse auf die Schweiz zukommen wegen der Erderwärmung. Die klimabedingten Schäden sind auch in der Schweiz in den letzten Jahren deutlich gewachsen. Bleibt die Schweiz tatsächlich versicherbar, wie die Versicherungen sagen? Und zu welchem Preis? Warum sind Schweizer Versicherungen nach wie vor in Öl- und Gas-Projekte involviert, die nachweislich dem Klima schaden? Warum machen Sie nicht mehr mit bei internationalen Klima-Transparenz-Initiativen? Und, wie rechtfertigen sich private Versicherungsleistungen, wenn im Notfall trotzdem vielerorts der Staat einspringen muss? Der Versicherungsverband mischt sich seit einiger Zeit aber auch aktiver in die öffentliche Debatte um die Altersvorsorge ein. Nach der krachenden Niederlage der BVG-Reform vor einem Jahr setzt er auf mehr Information. Aber ist das Schweizer 3-Säulen-System tatsächlich reform- bzw. zukunftsfähig? Warum lassen die Versicherungen ihre Kunden nicht stärker an den Gewinnen auf den Aktienmärkten teilhaben? Der Bundesrat hat diese Woche den Mindestzinssatz auf 1.25 Prozent belassen. Und, ist es richtig, dass der Kapitalbezug nach der Pension steuerlich attraktiver ist als eine Rente? Stefan Mäder, Präsident des Schweizerischen Versicherungsverbands SVV und Vize-Präsident des Wirtschaftsdachverbands economiesuisse, nimmt Stellung in der Samstagsrundschau bei Klaus Ammann. Ergänzend zum Tagesgespräch finden Sie jeden Samstag in unserem Kanal die aktuelle Samstagsrundschau.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereShould you keep your pension—or build your own?If you've left a teaching or public sector job to start a business or invest independently, the idea of commuting your pension can feel intimidating. Do you trade the safety net of a predictable income for the freedom (and risk) of building wealth your own way? In this episode, Jon and Kyle break down the mindset and math behind pensions—revealing what most people misunderstand about “guaranteed” security and how business owners can create their own version of it. Whether you're missing the comfort of a defined benefit plan or wondering if those “golden handcuffs” were ever worth it, this conversation reframes what financial certainty can really look like.You'll discover:The real rate of return behind traditional pensions—and why they're not as generous as they appear.How to replicate pension-like security using a well-structured, high–cash-value insurance policy or other conservative strategies.A practical framework for balancing growth, flexibility, and risk so you can build your own financial “floor” without sacrificing upside potential.Press play now to learn how to design your own pension-style safety net—and take control of your wealth on your own terms.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Building lasting financial security in Canada starts with a clear Canadian wealth plan that integrates business ownership, financial planning, and tax-efficient investing. Through smart use of insurance, RRSP optimization, and corporate wealth planning, entrepreneurs can design a path toward financial independence Canada—balancing salary vs. dividends, managing personal vs. corporate tax, and leveraging investment strateReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

We talk the KMT getting a new leader, a legislative showdown over proposals to amend civil service pension reforms, the latest news about the African swine fever outbreak and more. -- Hosting provided by SoundOn

CT State Treasurer Erick Russell joins us to discuss a recent report that said that Connecticut has the second-highest pension debt per capita in the nation, trailing only Illinois. The report, based on the Foundation's annual pension solvency and performance findings, also ranked Connecticut 11th for its total unfunded pension debt liability.

A nuclear energy program with the US, the President's visit to Slovakia, cyberattacks on a loan service and an ice cream online store, a campaign to prevent illegal drone use, protests over possible job cuts in mining, and much more!Thanks for tuning in!Let us know what you think and what we can improve on by emailing us at info@rorshok.com. You can also contact us on Twitter & Instagram @rorshokpoland Like what you hear? Subscribe, share, and tell your buds.We want to get to know you! Please fill in this mini-survey: https://forms.gle/NV3h5jN13cRDp2r66Wanna avoid ads and help us financially? Follow the link: https://bit.ly/rorshok-donate

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, … 11/08/25 – HERO’S Talk Radio Read More » The post 11/08/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

The BBC's Panorama revives the Epstein scandal with unseen Virginia Giuffre footage as King Charles lets Andrew keep his Falklands medal—but the disgraced royal might soon be cashing in his trinkets and queuing for a £9K pension. Plus, new revelations from his California “Twit of the Year” tour prove he's been a royal mess for decades.Hear our new show "Crown and Controversy: Prince Andrew" here.Check out "Palace Intrigue Presents: King WIlliam" here.

Ireland's new auto-enrolment pension system is coming in 2026, with most of the public's focus on the January start date. However, Caroline Rowan, Head of Retirement Consulting at Aon Ireland, believes that it is actually now, the beginning of November, that is the critical window for the auto-enrolment rollout.

Are you a federal retiree still waiting for your first pension check? You're not alone—delays at OPM are leaving thousands in financial limbo. In this video, learn bridge strategies to cover expenses, avoid financial hardship, and what steps you can take now if your federal retirement payment is late.Your pension check might not be processed—so what are you going to do when no pension checks are being processed?

If you're contributing to a workplace pension or planning for retirement, this episode is a must-listen. Glory Gray explains the differences between Defined Benefit and Defined Contribution plans, what happens to your pension when you leave a job, and how a LIRA (Locked-In Retirement Account) fits into your retirement plan. Learn how to protect and maximize your pension benefits during your working years—and get ready for Part 2, where we'll cover turning your LIRA into income.Hosted by Glory Gray, BSc Finance, MFADOWNLOAD OUR FREE GUIDE

In Österreich wird zu wenig gearbeitet, meint der Ökonom Hanno Lorenz. Die Vorliebe für Teilzeitarbeit und der frühe Pensionsantritt sind strukturell bedingt – sie gefährden den Sozialstaat. Ein Podcast von Pragmaticus.Das Thema:Lange wird sich Österreich den Sozialstaat nicht mehr leisten können. Die Gründe liegen in den demografischen Gegebenheiten und in der Beschäftigungssituation. Zu viele Frauen arbeiten in Teilzeit, zu viele Menschen gehen zu früh in Pension. Die Gründe dafür sind mannigfaltig: zu wenige Kinderbetreuungsplätze, Kollektivverträge als Kostentreiber, aber auch strukturell-politische Rahmenbedingungen. Aus einer individuellen Perspektive zahlt sich Vollzeitarbeit schlicht nicht aus. Vom höheren Lohn bleibt wegen der Steuerprogression zu wenig übrig, sagt der Volkswirt Hanno Lorenz vom Thinktank Agenda Austria, und schlägt unter anderem eine Flat-Tax auf Lohn vor. Die ist zwar politisch betrachtet nicht populär, könnte aber auf lange Sicht den Wohlstand in Österreich retten. Denn der ist definitiv in Gefahr. Unser Gast in dieser Folge: Hanno Lorenz ist Ökonom und stellvertretender Direktor der Agenda Austria. Er lebt in Wien und arbeitet an Vorschlägen für eine bessere Zukunft Österreichs. Seine Schwerpunkte sind Arbeitsmarkt, Digitalisierung und Verteilung. Seit 2020 lehrt er am Raiffeisencampus Wien zur Rolle des Staates in der Wirtschaft.Dies ist ein Podcast von Der Pragmaticus. Sie finden uns auch auf Instagram, Facebook, LinkedIn und X (Twitter).

John-Paul Fraser – Team Lead: Cross-Border Taxation, Tax Consulting SA SAfm Market Update - Podcasts and live stream

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.

If you're retiring in Ireland with around €1 million in pension savings, one of the biggest questions you'll face is whether to take income from an ARF (Approved Retirement Fund) or to buy an annuity. In this episode, I break down both options in plain English — what they mean, how they work under Irish tax rules, and which might suit your lifestyle and risk appetite. Key Points: What's an ARF? What's an Annuity? Typical Income from a €1m Pension Taxation Pros and Cons   I hope it helps  

Pensionen sind ein viel und lang diskutiertes Thema in Österreich. Es gibt mehrere Varianten, wie man in Pension gehen kann. Aber ob man direkt aus einem Job oder aus etwa der Arbeitslosigkeit in Pension geht, entscheidet in vielen Fällen die Branche. Warum das so ist und in welchen Frauen besonders schlecht gestellt sind - und was ein mögliches Pensionssplitting bringen könnte - bespricht Studio KURIER-Host Caroline Bartos mit Innenpolitik-Redakteur Christian Böhmer. Guter Journalismus bringt Klarheit – und kostet Geld. Mit einem KURIER Digital Abo können Sie unsere Arbeit unterstützen.Alles klar? “Studio KURIER” - überall wo es Podcasts gibt und auch auf Youtube als Video-Podcast.Abonniert unseren Podcast auf Apple Podcasts oder Spotify und hinterlasst uns eine Bewertung, wenn euch der Podcast gefällt. Mehr Podcasts gibt es auch unter kurier.at/podcasts. Hosted on Acast. See acast.com/privacy for more information.

Cash now accounts for less than 10% of all the retail payments we make. New figures out this week UK Finance, which represents banks and others, show the latest in the long term decline of cash. Just over a year ago new rules from the regulator, the Financial Conduct Authority said banks had to ensure customers had access to their cash and could take their money out in cash, but at the same time the number of shops putting up the card only signs has increased. What does that mean for the future of cash?On Monday it will be 6 months until the state pension age begins to rise from 66 to 67. How will that transition work?The price cap on electricity and gas went up this week - affecting millions of households across England, Wales and Scotland. The energy regulator, Ofgem, says gas and electricity bills will increase by an average of 2% but it's the costs of electricity that's rising, not gas.And what can do to ensure that your pension is being invested ethically?  Presenter: Paul Lewis Reporters: Luke Wilson and Niamh McDermott Researcher: Eimear Devlin and Jo Krasner Editor: Jess Quayle Senior News Editor: Sara Wadeson(First broadcast 12pm Saturday 4th October 2025)

Deborah Sampson's remarkable story comes to life in this week's America's Founding Series. Disguised as a man under the name "Robert Shurtliff," she secretly served in the Continental Army for nearly two years. She fought, bled, and risked death to achieve America's independence. From her humble beginnings as an indentured servant to her courageous service in the Revolutionary War, this episode reveals how Sampson's unwavering self-reliance and devotion to liberty made her one of America's first female soldiers and a true symbol of the nation's founding ideals. Discover the forgotten patriot who proved that the courage to defend freedom knows no gender. Episode Highlights A Woman at War: How Deborah Sampson disguised herself as "Robert Shurtliff" and fought bravely in the Continental Army during the American Revolution. Courage Under Fire: The incredible moment she removed a musket ball from her own leg to protect her secret identity and continue serving. Legacy of Liberty: How Paul Revere's support helped her secure a military pension, and why her story embodies America's enduring ideals of courage, freedom, and self-reliance.

LDF eyes hat-trick win in 2026 assembly elections, with Kerala also set to witness local body polls in December. For the new steps, the govt will incur expenditure of Rs 10,000 cr.----more----https://theprint.in/politics/polls-on-horizon-pinarayi-govt-makes-big-moves-hikes-in-pension-asha-workers-honorarium-new-schemes/2773403/

Belinda Sullivan from Alexforbes unpacks South Africa's score in the 2025 Mercer CFA Institute Global Pension Index.

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, … 11/01/25 – HERO’S Talk Radio Read More » The post 11/01/25 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

"I'm 64 and retiring soon. I have the option to take a lump sum from my pension or monthly payments for life. How do I evaluate which one is better for us?" We're answering YOUR questions on this week's Get Ready For The Future Show! We're 67 and 65 and just paid off our house. We've heard that having a trust avoids probate, but our estate isn't that complicated. How do we know if a trust is worth the cost? We're in our early 60s and plan to sell a rental property in a few years. Should we be thinking about capital gains tax planning now, or wait until we're ready to sell? I'm 61 and recently divorced. I'm keeping the house, but it's still got a mortgage, and I have about $500,000 in retirement accounts. How do I rebuild my plan now that I'm on my own? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to show@getreadyforthefuture.com! Originally aired10/22/2025

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.

The lads are joined by special guest Helena Boland from Neptune Financial to put Kendy's mind at ease about his future moneys.

In questa puntata di Start parliamo dell'impatto dell'aumento dell'aspettativa di vita stimato dalla Ragioneria generale dello Stato, secondo cui l'età del pensionamento toccherà i 70 anni nel 2067; spazio agli incentivi alle auto elettriche, accessibili a persone fisiche e a microimprese ma solo a determinate condizioni; scopriamo poi un po' di più dello studio pubblicato su Cell Reports Medicine che accende le speranze di una nuova era dell'immunoterapia; infine, ti racconto la storia di Marco. Se vuoi dirmi le difficoltà e le sfide che, come giovane, incontri nella tua vita quotidiana o, semplicemente, la tua opinione sulle notizie che hai ascoltato oggi, puoi mandare un'email a angelica.migliorisi@ilsole24ore.comPer approfondire le notizie di oggi:- Learn more about your ad choices. Visit megaphone.fm/adchoices

A practitioner in China, retired from her government position had her pension revoked after being imprisoned for her faith. Despite facing numerous obstacles and rejections from various government agencies, she remained steadfast in her cultivation, eliminating attachments and seeking Master's guidance. Ultimately, she filed a complaint with the State Council, demonstrating her commitment to upholding […]

The papers still dangle the dream of a sun-dappled retirement. Yet millions have nowhere near the savings they'll need, while a fortunate few are amassing family wealth that could change Britain forever. Meanwhile the generational wealth gap is forcing younger people to forget about starting families. Is the old “work hard and you'll make it” model broken? And do we need a wealth tax to fix it? Will Snell of the Fairness Foundation joins Andrew and Hannah to discuss a growing crisis.   • Our partner pod American Friction  just won Best News and Politics show at the Independent Podcast Awards. Listen and see what you've been missing.   ESCAPE ROUTES   • Will recommends Chief of War on Apple TV+.   • Hannah recommends going to see Self Esteem, still just about on tour.   • Andrew went to see The Magnetic Fields perform their classic 69 Love Songs.    • Head to https://www.nakedwines.co.uk/ohgodwhatnow to get 6 top-rated wines from our sponsor Naked Wines for £39.99, delivery included. • Advertisers! Want to reach smart, engaged, influential people with money to spend? (Yes, they do exist). Some 3.5 MILLION people download and watch our podcasts every month – and they love our shows. Why not get YOUR brand in front of our influential listeners with podcast advertising? Contact ads@podmasters.co.uk to find out more  • Back us on Patreon at https://www.patreon.com/ohgodwhatnow for ad-free listening, bonus materials and more.   Written and presented by Andrew Harrison with Hannah Fearn. Audio and video production by award-winning Chris Jones. Theme music by Cornershop. Art direction: James Parrett. Produced by award-winning Chris Jones. Managing Editor: award-winning Jacob Jarvis. Group Editor: Andrew Harrison. OH GOD, WHAT NOW? is a Podmasters production.  www.podmasters.co.uk  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Join Jeff Malec and Jason Buck as they dive deep into the inaugural Return Stacked Symposium held at the CBOE in Chicago. They break down key presentations from institutional leaders like Jonathan Glidden and Roxton McNeal, exploring how portable alpha and return stacking are revolutionizing portfolio construction. Hear their candid insights on leverage, uncorrelated strategies, and why this approach might be the future of investing. From pension fund strategies to practical advice for RIAs, this episode offers a comprehensive review of the cutting-edge investment conference that's challenging traditional portfolio management.. SEND IT!Chapters:00:00-00:47=Intro00:48-07:13= Setting the Stage: Return Stacking Symposium Overview 07:14-14:21=Shane McCarthy's State of Portable Alpha: Panel 114:22-27:28=Jonathan Glidden: Transforming Delta Pension with Return Stacking: Panel 227:29-42:05=Patrick Kazley's Convex Overlays: Volatility, Trend, and Portable Alpha for the Taxable Masses: Panels 3 &442:06-50:10= A Gaggle of Advisors - RIAs in practice & side conversations: Panel 550:11-01:05:49= Behind the Curtain: Pension Fund Strategies and Institutional Investment Challenges and Roxton McNeal's Deep Dive: Orthogonal Return Streams and Portfolio Complexity: Panel 601:05:50-01:15:22= Wrap up: Advisor Panel Insights: Return Stacking in PracticeFrom the Episode:Secret Club that Runs the WorldReturn Stacked Podcast episode: Saving Delta's Pension with Portable Alpha - Jon GliddenOne River - Convexity Rebalancing Act whitepaperThe Derivative podcast episode with Homer Smith - Dunn Capital MGMT Whitepaper - High-VOL Trend FollowingAQR - Cliff Asness = Cliff's PerspectivesDon't forget to subscribe to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Derivative⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, follow us on Twitter at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@rcmAlts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and our host Jeff at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@AttainCap2⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ , and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sign-up for our blog digest⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Disclaimer: This podcast is provided for informational purposes only and should not be relied upon as legal, business, or tax advice. All opinions expressed by podcast participants are solely their own opinions and do not necessarily reflect the opinions of RCM Alternatives, their affiliates, or companies featured. Due to industry regulations, participants on this podcast are instructed not to make specific trade recommendations, nor reference past or potential profits. And listeners are reminded that managed futures, commodity trading, and other alternative investments are complex and carry a risk of substantial losses. As such, they are not suitable for all investors. For more information, visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.rcmalternatives.com/disclaimer⁠⁠⁠⁠

In today's Q&A episode, we're answering a bunch of questions from those on the threshold of retirement, getting into the nitty-gritty of age-difference planning, DB scheme reductions and all sorts! Shownotes: https://meaningfulmoney.tv/QA29    01:04  Question 1 Hi Pete I am really enjoying listening to the podcast, thank you. They make what can sometimes be a complicated subject much easier to understand. I have a question which I have asked my SIPP provider but even they don't appear to know the answer so here goes: If someone has a SIPP valued at say £1.2m and a DB pension valued at say £300k, in order to maximise the favourable annuity provided by the DB pension, is it possible to draw the full LSA (25% tax free cash) from the SIPP? Or is there a requirement to draw the LSA on a pro rata basis from both the SIPP and the DB pension? Thank you, AJ 07:07  Question 2 Hi Pete and Roger, Thanks to The Meaningful Money Handbook, The Meaningful Money Retirement Guide and listening to all of your podcasts, I'm now in the fortunate position to retire in three years at the age of 55. However, I have a couple of questions about building a Cash Flow Ladder: Q1 - Should I be moving my investments into the various rungs of the ladder now, or just wait until I retire? Q2 - Most of my investments are in a pension, but I also have an ISA for a bit of flexibility. Would it make sense to use the same ladder structure in both the pension and the ISA? Thanks for all your good work. Tim 11:17  Question 3 Hi guys Loving the podcast - helped me through the COVID years and it's been a staple ever since so thank you for that. My question is around investing in older age. At what point, if any, is it worth cashing out GIA investments if other sources of income such as state pension and DB pensions are more than enough to live off and I have sufficient other capital (cash isas) for those big things still ahead? I'm not planning to leave any sort of inheritance (unless I pop my clogs early !) so is there some rule of (age) thumb of when to cash out and spend investments? I sort of don't see the point of continuing to invest after a certain age and to spend the money. But I guess it's not easy switching from investing to spending. Thanks, Chris 16:33  Question 4 Hi Pete & Roger, Great show gents, always interesting and informative.  I've been an avid listener for a couple of years now and have been encouraged to write in on the off-chance that my question may have relevance to others with a similar dilemma. I fear you may feel it's too niche but here goes: I'm 59yrs old and for all intents and purposes retired, in as much as I quit my career in business 18months ago to take on the full-time parental care role of my 6yr old twins which enables my wife (15yrs my junior) to continue in the career she loves. We are fortunate that my wife is an additional higher rate tax payer (as was I before I quit), we live mortgage free in a ~£1.5m family house - all of which means I have no plans to draw a pension until my wife is also ready to retire, which despite her occasional gripe, is not likely to be until our children leave school (by which time we will be ~ 72 and 57 respectively). I have a small index-linked Public Sector DB pension that kicks in in a few months time when I hit 60 (£7k per year) and expect to get a full State Pension which should provide me with around £20k p.a. at todays values as a base income when I reach state pension age in 7 years time. I also have a Pension pot currently valued at around £1.2m, made up from £1m SIPP and £200k S&S ISA) and my wife's Pension pot is currently valued at around £520k (£400k SIPP & £120K S&S ISA).  I no longer contribute to my SIPP but my wife invests around £30k Gross in to her SIPP annually and we plan on continuing to fill both ISA allowances each year until she retires.  We are both 100% invested in equities using low-cost Global trackers to maximise their growth potential. Here's my question, I was burnt a few years back (before I started listening to podcast like yours to educate myself on how to manage my finances) when I was persuaded to join SJP and combine all my old workplace pensions into a single pot managed with them.  I even persuaded my wife to join and I opened Junior SIPPs for my twins when they were born (not their advice, my own) which we continue to pay the full amount into monthly to hopefully secure their future retirement. Long and the short of it, the more I learned about investing, the more I regretted my decision to tie myself into SJP and the more I begrudged paying their relatively high fees (for what turned out to be a lower return than much lower cost tracker options could / would have produced over that same time period). I eventually sucked up the exit fees and bailed out a few years back, taking my wife and children's accounts with me and whilst I haven't looked back, it has made me reluctant to spend money on financial advisors, given the perceived poor advice I felt I received last time. To that end, I'm currently planning on managing mine and my wife's finances through retirement without recourse to an advisor but have started to have niggling doubts as to the whether I'm being too arrogant in my own abilities. In simple terms, our aim to build a combined Pension Pot (incorporating a healthy ISA element to aid in tax-efficient drawdown, allow my wife to retire early(er) if she so desires and to cover one-off expenses that may from time to time will come up) that's large enough for us to live off comfortably based on a flexible 3-3.5% drawdown rate annually (index-linked).  The plan is also to remain 100% invested in equity throughout retirement with the exception of and maintaining, a 3-5yr cash-like buffer (invested in MM Funds / short term government bonds) from which to take our living expenses. My wife and I are not extravagant spenders and can easily cut our cloth according to circumstances, so my feeling is, with a small but decent guaranteed income that we will have as a foundation, when combined with what I hope/expect to be a sizeable joint Pension Pot and a relatively low and sustainable withdrawal rate that should see us right even through the harshest of winters (metaphorically speaking) this should provide all the income we'll need for a comfortable retirement with a good chance of leaving a fair amount left in the pot for our children at the end, without over complicating our portfolio or expensive management costs. The obvious concern I have is around IHT but even there, I feel like that's a concern to address further down the road once we know we are financially secure and when we know more about the needs of our children as they grow-up and can plan what to do with any excess cash we might have using the rules in place at that time. Sounds simple, but is it too simple?  Can you spot any obvious flaws in this plan or reasons why you think seeking professional advice would make sense that may not have considered? Thank you and keep up the good work! Regards, Aaron 27:42  Question 5 Hi both Love the podcast. I listen regularly and enjoy hearing the banter between the two of you,  as well as providing answers to thought provoking questions. As an additional rate taxpayer in Scotland, my marginal income tax rate is an eye watering 48%. So I get significant benefit from tax relief when topping up my pension. It can cost as little as £33,000 to enjoy a full input of £60,000 once I get money back on my tax return. I have been diligently stuffing my pension as much as I could afford for years now as it was always the prevailing financial advice. I'm now only a couple of years away from retiring at age 55. I am fortunate enough to be now over the old LTA (which is now of no consequence). However the tax free limit is still set at 25% of that old allowance (£268,273?). Given I am now NOT going to benefit from any further tax free money on the way out, I wonder whether continuing to contribute to my pension is a good idea anymore. My choices are either : 1) Pay into the pension and enjoy tax relief of 48% now, allow the fund to accumulate tax free over the coming years, then pay income tax on the way out at 40%. (I expect to be high rate , not additional or basic rate tax payer in retirement) 2) Take the tax hit now on income, don't contribute to pension, put the nett amount into a GIA, and pay 24% CGT on the gain on the way out. I did some numbers and while the pension wins out, it's not by much over a 10 year term assuming 5% growth. But tax rates could change, pension rules could change, and inheritance tax changes are pending. Can you compare the pros and cons of each approach to help me make a decision, or is there a third option to consider? (I hear Roger sometimes suggest a strategy of taking the tax hit now rather than later e.g better the devil you know) I hope this makes sense. Thanks, Martin   33:47  Question 6 I became an avid listener of the podcast during the first lockdown and have learned so much in the past 5 years. I really enjoy it and appreciate all the effort you put into it. My question is with regard to age gap relationships and planning for retirement. I'm 59 and am currently contributing to the NHS Pension Scheme. Part of my pension can be taken at  age 60, without deduction, and I hope to have an income of £16,000 plus a £50,000 lump sum. The rest of my pension I'll be able to take at age 67 and by the age of 63 I hope to have a further pension of £18,000 without a lump sum. In addition to this, from my career before the NHS, I have a SIPP and the current value is £400,000. 63 is the age by which I hope to have stopped working at my current level but it might be sooner. My wife is ten years younger than me and has not been working for most of her adult life. Currently she is paying into a local authority DB scheme but by the time she is 58 her pension entitlement might only be £5,000 per year, but this would need to be discounted by 40%-50% in order to take that income. By the time we are eligible I expect both of us to qualify for the full state pension. We have no other cash savings to speak of and our mortgage is due to be paid off next year, when I will be 60. My question is what advice do you have for couples who face this age gap issue. The plan is that we want to spend our retirement together while I am fit and active (well fit-ish). Once we both have the state pension, with my NHS Pension, we should have an income of £58,000 at todays values, which will be enough for our needs when I am in my late seventies, but might make me a higher rate taxpayer in requirement. Before then, we'd like to spend a bit more and we are planning to use my SIPP and my wife's DB scheme (when she is 58) to fund our pension, until it is replaced by the second NHS Pension and the state pensions. I never realised this would be so complicated to get my head around. When the mortgage is paid off, we'll have some money and should we concentrate in paying it into an ISA so that we can get an additional income without me having to pay higher rate tax, or should we set up a SIPP for my wife so that she can build up a pot of money that she can drawdown on from when she is 58. This would be with the aim of her utilising as much of her annual tax free allowance as possible. I've assumed there is no way that I can transfer part of my SIPP to her before I die. I very much hope that you can help. Best wishes, Steve