Podcasts about pensions

FREEDOM - HEALTH - HAPPINESSFor the full episodes, bonus content, back catalogue, and monthly Live Streams, please subscribe to either:The paid Spotify subscription here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://creators.spotify.com/pod/show/docmalik/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The paid Substack subscription here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://docmalik.substack.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Thank you to all the new subscribers for your lovely messages and reviews! And a big thanks to my existing subscribers for sticking with me and supporting the show! ABOUT THIS CONVERSATION: Alex returns on the show and blows the lid on wealth management, QE, bond markets and pensions, and how the rich and powerful enrich themselves at our expense. EnjoyDocLinks Website https://www.berkshirewilliams.com/MY CONSULTATION SERVICEIn a world of rushed consultations and endless referrals, I offer you something rare: time, context, and clear guidance.I can help you:• Understand your diagnosis in plain English• Simplify treatment plans and medical jargon• Prepare for surgery and optimise recovery• Improve chronic illness through lifestyle and mindset• Explore holistic approaches alongside conventional care• Ask better questions and get unbiased guidance• Obtain an independent second opinionReady to Take Control?Book here today ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://docmalik.com/consultations/ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out my AFFILIATE LINKS - visit my website ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://docmalik.com/affiliates/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for more detailsSeagreenUse the code DOCMALIK⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://seagreens.shop/go/docmalik/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Heracles Wellness SaunaUse the code DOCMALIK3 at checkout to get 3% off all products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://heracleswellness.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Hunter & Gather Foods⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://hunterandgatherfoods.com/?ref=DOCHG BUY HERE TODAY⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Use DOCHG to get 10% OFF your purchaseNudum SkincareUse my code DocMalik10 at checkout to get 10% off your order.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.nudumskincare.co.uk/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Greenscents Laundry LiquidUse code GSAHMADMALIK when ordering to receive a discount.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://greenscents.co.uk?bg_ref=pmW7ecKqjq⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠IMPORTANT NOTICEIf you value my podcasts, please support the show by making a one-off donation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.buymeacoffee.com/docmalik⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Grand meeting du Reform Party : Roshi Bhadain promet des révélations sur la réforme des pensions ce dimanche by TOPFM MAURITIUS

In this episode of V-FM Pensions, hosts Darren and Nico chat to The Pensions Regulator's Ben Gunnee. As well as being an Arsenal fan, Ben is TPR's Executive Director for Market Oversight and is responsible for TPR's engagement and interaction with industry. In a wide ranging discussion we chat about TPR's Corporate Strategy, DB endgame and surplus release, Collective Defined Contribution, and some of the key themes in DC, picking up a discussion on private markets. We also hear how Ben ended up at TPR and, of course, find out what value for money means to him. The key question though... which the podcast didn't quite resolve... egg on pizza? Is Nico a lone egg man, or are there others out there?

Marty and the Allegheny County Treasurer discuss pensions full 346 Thu, 16 Jul 2026 15:50:27 +0000 3ycFYsiTsjOGI3IUPkeS9eROPEkYSWOx #emailnewsletter,news Marty Griffin #emailnewsletter,news Marty and the Allegheny County Treasurer discuss pensions On-demand selections from Marty's show on Newsradio 1020 KDKA , airing weekdays from 10 a.m. to 2 p.m. 2024 © 2021 Audacy, Inc. News https://player.amperwavepodcasting.co

In this special I Don't Get Money edition of The Martin Lewis Podcast, Martin goes right back to basics, tackling the financial concepts listeners have always found confusing but were perhaps too embarrassed to ask about.From understanding exactly how pensions work and what an energy ‘unit' actually is when it appears on your bill, to unpicking the difference between saving and investing (and whether investing is really just a form of gambling), Martin breaks down the jargon and explains the fundamentals in plain English.Along the way, he answers listeners' questions on why Section 75 credit card protection doesn't extend to additional cardholders, why car insurance premiums can rise even after a no-fault accident, and whether responsibility for faulty goods lies with the retailer or the manufacturer.Plus, Martin demystifies one of the most misunderstood financial products of all: bonds. What are they, how do they work, and are they right for you?Whether you're baffled by pensions, puzzled by investing, or simply want a clearer understanding of the financial rules that affect everyday life, this is a back-to-basics guide to money that aims to make the complicated simple.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you've always wanted to know why he speaks so quickly, if he organises his wardrobe by colour or garment type, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.

FMI : le coût des pensions et la dette placent Maurice face à l'urgence des réformes by TOPFM MAURITIUS

This evening, we wrap up the day's market movements with Otto1890, reflect on the return of global tensions on agricultural sector ahead of planting season with Wandile Sihlobo, explore the new partnership with NPA on unpaid pensions with FSCA, discuss finding value beyond precious metals with Allan Gray, and, in this week's Executive Lounge, we follow the journey of Sitoyo Lopokoiyit from ABSA SAfm Market Update - Podcasts and live stream

This podcast is our final podcast released and produced by the Always a Pensions Angle podcast series by DG Publishing. While the recording was made earlier in the Spring, the governance concerns remain pertinent and in flux for the LGPS. Clair Alcock is a highly respected leader in UK public service pensions, with over 20 years of experience dedicated to making pension systems more transparent, fair, and accessible. She currently serves as Head of Pensions at the Local Government Association (LGA) and Secretary to the LGPS Advisory Board, where she plays a pivotal role in shaping the future of public sector pensions.We speak in particular about the challenges of certain governance changes - the introduction of the independent person role as well as the Senior Officer within every Administering Authority. We discuss training, the importance of knowledge sharing and upgrading the skill network. We look to the future finally, to determine the direction that many of these pooled entities are likely to take. The Fiftyfaces Podcast is supported by Franklin Templeton and Alvine Capital. Franklin Templeton is a global investment management firm that provides a broad range of investment solutions, including mutual funds, ETFs, alternative investments, wealth management, and technology-enabled financial services. Founded in 1947, the firm manages approximately $1.8 trillion in assets under management (AUM) and serves individual and institutional investors across more than 150 countriesFounded in 2005, Alvine Capital is a European focused private capital advisory and placement agent that provides capital raising services to investment managers. From its base in London and its office in Stockholm it creates bespoke capital raising programs that blend appropriate investor targeting and sophisticated marketing to deliver a fundraise aligned with institutional expectations

On Monday 13 July 2026 representatives from across the sight loss sector along with a number of employers and visually impaired people came together at the House of Lords for the launch of the Employment Gap Report: Out of Sight – Out of Work by Lord Holmes which is making recommendations for Government and the Department of Work and Pensions to bridge the gap in employment for blind and partially sighted people. RNIB Connect Radio's Toby Davey was at the launch event and caught up with Lord Chris Homes of Richmond MBE to find out more about the findings and recommendations of the report and what can be done to bridge that employment gap for blind and partially sighted people.(Image shows the RNIB Connect Radio logo. On a white background ‘RNIB' written in bold black capital letters and underlined with a bold pink line. Underneath the line: ‘Connect Radio' is written in black in a smaller font)

On Monday 13 July 2026 representatives from across the sight loss sector along with a number of employers and visually impaired people came together at the House of Lords for the launch of the Employment Gap Report:  Out of Sight – Out of Work by Lord Holmes which is making recommendations for Government and the Department of Work and Pensions to bridge the gap in employment for blind and partially sighted people. RNIB Connect Radio's Toby Davey was at the launch event and caught up with Diane Lightfoot from the Business Disability Forum to find out more about the BDF and her thoughts on the report and its recommendations.(Image shows the RNIB Connect Radio logo. On a white background ‘RNIB' written in bold black capital letters and underlined with a bold pink line. Underneath the line: ‘Connect Radio' is written in black in a smaller font)

On Monday 13 July 2026 representatives from across the sight loss sector along with a number of employers and visually impaired people came together at the House of Lords for the launch of the Employment Gap Report: Out of Sight – Out of Work by Lord Holmes which is making recommendations for Government and the Department of Work and Pensions to bridge the gap in employment for blind and partially sighted people. RNIB Connect Radio's Toby Davey was at the launch event and caught up with Josh Feehan, Head of Internships, Thomas Pocklington Trust who gave a presentation at the event.(Image shows the RNIB Connect Radio logo. On a white background ‘RNIB' written in bold black capital letters and underlined with a bold pink line. Underneath the line: ‘Connect Radio' is written in black in a smaller font)

On Monday 13 July 2026 representatives from across the sight loss sector along with a number of employers and visually impaired people came together at the House of Lords for the launch of the Employment Gap Report: Out of Sight – Out of Work by Lord Holmes which is making recommendations for Government and the Department of Work and Pensions to bridge the gap in employment for blind and partially sighted people. RNIB Connect Radio's Toby Davey was at the launch event and caught up with Khadija Raza, RNIB Policy Lead on Accessibility who also gave a presentation at the event.(Image shows the RNIB Connect Radio logo. On a white background ‘RNIB' written in bold black capital letters and underlined with a bold pink line. Underneath the line: ‘Connect Radio' is written in black in a smaller font)

On Monday 13 July 2026 representatives from across the sight loss sector along with a number of employers and visually impaired people came together at the House of Lords for the launch of the Employment Gap Report:  Out of Sight – Out of Work by Lord Holmes which is making recommendations for Government and the Department of Work and Pensions to bridge the gap in employment for blind and partially sighted people. RNIB Connect Radio's Toby Davey was at the launch event and caught up with Laura Davies from the British Association for Supported Employment who gave a presentation at the event.(Image shows the RNIB Connect Radio logo. On a white background ‘RNIB' written in bold black capital letters and underlined with a bold pink line. Underneath the line: ‘Connect Radio' is written in black in a smaller font)

Manif contre la réforme des pensions : « Une réaction citoyenne face aux inquiétudes », estime Jugdish Joypaul by TOPFM MAURITIUS

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: is it worth overpaying my mortgage, and when's the perfect time to do so? I'm worried bank switching will kill my credit score, will it? I've got a Plan 2 and Plan 5 student loan; how do the repayments work? What's the easiest way to track my husband's lost pensions from various jobs? Plus, what's the most unusual place Martin's been asked a financial question? If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you've always wanted to know why he speaks so quickly, if he organises his wardrobe by colour or garment type, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.

Réforme des pensions : les observateurs politiques analysent le message envoyé au gouvernement by TOPFM MAURITIUS

Koze Do Mo Pep : les auditeurs critiquent l'ancien gouvernement sur la réforme des pensions by TOPFM MAURITIUS

Après la manifestation contre la réforme des pensions, les syndicats maintiennent la pression et n'excluent pas une grève générale by TOPFM MAURITIUS

Réforme des pensions : La Platform Komun Syndikal appelle à une mobilisation nationale à Port-Louis cet après-midi by TOPFM MAURITIUS

Réforme des pensions : Haniff Peerun accuse Ashok Subron de semer la confusion avant la manifestation syndicale by TOPFM MAURITIUS

In this episode of V-FM Pensions, hosts Darren and Nico are joined (again) by Matt Roberts, Head of Alternative Solutions, at Fulcrum Asset Management. As well as Darren ranting about FIFA and the lack of democracy in the UK, the podcast discusses resilience, value for money and why the future of pension investing is about far more than chasing returns. We chat about whether productive investment can help create a virtuous circle of stronger economic growth and better retirement outcomes, what the UK's shrinking public markets mean for DC savers, and challenge some of the assumptions driving the private markets debate. In a wide ranging episode, we also discuss natural capital, venture capital, governance, and systemic risk.

Retraites : pourquoi le gel des pensions jusqu'en 2030 refait surface pour réduire le déficitHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

A new study says the average retired couple needs $1.16 million to retire comfortably. Scary headline — until you do the math. Because retirement was never about reaching a number. It's about the paycheck that number can produce.In this week's Money On Tap, Ben Brayshaw and Dan Michelon take the "magic number" apart piece by piece. They trace where $1.16 million actually comes from — $84,000 in average spending, $37,700 in Social Security, and a 4% withdrawal covering the gap — then show what the headline can't see: sequence of returns risk, the tax code, health events, and the market's habit of dropping 25–30% when you can least afford it. The centerpiece is a tale of three couples: Couple A with $1.8 million and no guaranteed income beyond Social Security, Couple B with $950,000 and a teacher's pension, and Couple C with $900,000 who built their own pension with an annuity — and ended up more secure than the couple with twice the money.What you'll learn:Where the $1.16 million figure really comes from — and why the study converts it to income immediatelyWhy the race-to-a-number mindset is programmed into us, and why it fails in retirementThe tax reality: 12% vs. 22% brackets, Social Security taxation, RMDs at 73, Medicare's hidden 3–5% "tax," and climbing capital gains ratesThe bucket strategy: cash for years 0–3, buffered strategies and dividends for 3–7, growth for 7+Why 1% of inefficiency on a 4% drawdown is really 25% of your incomeCouple A vs. B vs. C: how guaranteed income beats a bigger portfolioThe timing trap: why buying the annuity after the crash locks in the lossRewriting the 4% rule with 5–7% joint lifetime annuity payoutsPlus Money In The News:SpaceX goes public: Wall Street's sky-high price targets, the trillion-dollar valuation, and why investors stay cautiousTrump floats an Australian-style retirement system with 12% employer contributionsThe IRA saver's match arriving in 2027: who qualifies, and why the income limits are so tightRead the companion blog: https://www.brayshawfinancial.com/blogSchedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsultaBrowse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comSecurities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company.If the S&P 500 is up 10%, why isn't my portfolio?Because the S&P 500 is cap-weighted: seven stocks absorb about a third of every dollar, and the top 10 holdings make up 35–55% of most S&P funds. In 2026 those mega-caps lagged — the Mag Seven are collectively negative — while sectors like energy (+28.1%) and technology (+26.8%) led. If your ETFs overlap in the same top names, you own the laggards several times over. The fix starts with knowing what you actually own.

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth continue the conversation in part two of their deep dive into the 2027 pension and inheritance tax changes. If part one set the scene, this episode explores what happens when those changes start to interact — and where the real impact begins to show for financial planning. They take a closer look at how pensions, inheritance tax and wider estate strategies don't operate in isolation, and why these changes can create knock-on effects across an entire financial plan. Like bumper cars colliding, one adjustment can send ripples through everything else. Warren and Paul discuss how different elements — from trusts and gifting to income strategies and asset positioning — can influence each other under the new rules. As always, the focus is on clarity and control. This episode looks at how planners can navigate these moving parts with confidence, helping clients avoid unintended consequences while making the most of the opportunities available. The message is simple: when the rules start to collide, thoughtful planning becomes more important than ever. ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ==========================

Lisa Dees is joined by Louise Lindsay (SAUL), Simon True (Clara Pensions) and Adrian Boulding (Vesta Pensions) to compare the benefits, challenges and trade-offs of open defined benefit (DB) schemes, superfunds and collective defined contribution (CDC) arrangements.The discussion considers each model from both a member and employer perspective, covering retirement outcomes, risk-sharing, affordability, consolidation and the role these approaches could play in the future pensions landscape.Hymans Robertson disclaimer This podcast has been prepared by Hymans Robertson LLP, and is based upon our understanding of events as at release date. It is designed to be a general summary of topical investment matters and is not specific to the circumstances of any particular employer or pension scheme. The information contained in this podcast should not be construed as advice and not be considered as a substitute for specific advice as the information is generic in nature. Where a podcast refers to legal matters please note that Hymans Robertson is not qualified to provide legal opinion and therefore you may wish to obtain independent legal advice to consider any relevant law and/or regulation. Hymans Robertson LLP accepts no liability for errors or omissions. Your Hymans Robertson LLP consultant will be pleased to discuss matters raised in this podcast in greater detail. Guests views are separate to that of Hymans Robertson. The information provided in this broadcast is not financial advice. Past performance is not a guide to the future. Please note the value of investments, and income from them, may fall as well as rise. This includes but is not limited to equities, government or corporate bonds, derivatives and property, whether held directly or in a pooled or collective investment vehicle. Further, investments in developing or emerging markets may be more volatile and less marketable than in mature markets. Exchange rates may also affect the value of investments. As a result, an investor may not get back the full amount of the original investment. Past performance is not necessarily a guide to future performance.  Hymans Robertson LLP is authorised and regulated by the Financial Conduct Authority and Licensed by the Institute and Faculty of Actuaries for a range of investment business activities.This episode includes AI-generated content.

Are you determined to finally get on top of your finances once and for all?For many, looking at your bank account is something you dread, but how should we best manage what's coming in and what's coming out?For this edition of Finance Matters, Andrea is joined by Paul Merriman of Ask Paul to discuss everything you need to know about pensions.

Markets have navigated a volatile first half of 2026. Equity markets have rebounded strongly, interest rate expectations have shifted, and artificial intelligence (AI) continues to reshape investment opportunities across the globe.In this episode, Ross MacLeod is joined by Chris Arcari and John Roe, Head of Multi-Asset at Legal & General - Asset Management. Together, they explore the major developments shaping investment markets in 2026, from the continued impact of the AI investment cycle and changing interest rate expectations to evolving opportunities and risks across public and private markets.The discussion looks at how investors are positioning portfolios against a backdrop of elevated equity valuations, tight credit spreads and persistent inflation uncertainty. Chris and John also examine developments in private credit and private equity, highlighting where stresses are beginning to emerge and why manager selection remains critical. The conversation finishes with a look at the long-term investment implications of AI and the outlook for China as its economy continues to evolve.If you have any questions on anything covered throughout the episode, please get in touch. Hymans Robertson disclaimerThis podcast has been prepared by Hymans Robertson LLP, and is based upon our understanding of events as at release date. It is designed to be a general summary of topical investment matters and is not specific to the circumstances of any particular employer or pension scheme. The information contained in this podcast should not be construed as advice and not be considered as a substitute for specific advice as the information is generic in nature. Where a podcast refers to legal matters please note that Hymans Robertson is not qualified to provide legal opinion and therefore you may wish to obtain independent legal advice to consider any relevant law and/or regulation. Hymans Robertson LLP accepts no liability for errors or omissions. Your Hymans Robertson LLP consultant will be pleased to discuss matters raised in this podcast in greater detail. Guests views are separate to that of Hymans Robertson.The information provided in this broadcast is not financial advice. Past performance is not a guide to the future. Please note the value of investments, and income from them, may fall as well as rise. This includes but is not limited to equities, government or corporate bonds, derivatives and property, whether held directly or in a pooled or collective investment vehicle. Further, investments in developing or emerging markets may be more volatile and less marketable than in mature markets. Exchange rates may also affect the value of investments. As a result, an investor may not get back the full amount of the original investment. Past performance is not necessarily a guide to future performance. Hymans Robertson LLP is authorised and regulated by the Financial Conduct Authority and Licensed by the Institute and Faculty of Actuaries for a range of investment business activities.

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Who Owns South Africa: Private Pensions-Cheriese Dilrajh by Radio Islam

Watch the Interview on Youtube for Visuals - https://youtu.be/TS_RTVc3PL8Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Intro 01:21 - The "Mountain" Analogy: Accumulation vs. Distribution 04:53 - Reversing Engineering Income Over Net Worth 07:25 - The One Economic Power Approach 09:12 - Impact of Sequence of Returns on Retirement Assets 10:02 - S&P 500 Historical Data Case Study (1999-2024) 14:40 - Two Economic Powers: Accumulation and Distribution16:04 - Historical Context: The Shift from Pensions to 401(k)s 18:08 - Integrating Investments and Insurance for Efficiency 23:29 - The Three Functions of Money in Retirement: Income, Liquidity, Legacy 27:09 - The Waterfall Effect: Optimizing for Paycheck First 32:23 - Customizing Retirement Packages Based on Personal Preference 35:37 - The "One-to-One" Ratio Concept and Balancing Powers 38:01 - Volatility Buffers and Mitigation Strategies 41:34 - Analyzing Life Insurance: Whole Life vs. Indexed Universal Life (IUL) 46:55 - The Reality of Taxes and Market Efficiency 52:25 - Conclusion and Future Cash Flow PlanningDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

This week, Megan and Konrad prove they are fully integrated in German society by showing too much interest in the government's pension plan reforms. Honestly, they'll be leaving passive-aggressive notes in your Briefkasten next. Meanwhile, it looks like the Bundestag wants to catch up with the rest of Europe when it comes to organ donations, a very generous energy company decides it won't need the coal under Germany's last bit of old-growth forest after all, and don't get Megan started on Julian Nagelsmann… actually do. Football!Music by Eden Ottignon from ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Planet OTT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Buy us a mega: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/megansmegacan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or buy us a Ko-Fi: ⁠⁠https://ko-fi.com/megansmegacan⁠⁠Or email us: hallo@megansmegacan.comOr follow us on whichever psychotic billionaire's data-fracking machine you prefer:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/megansmegacan/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/MegansMegacan⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.megansmegacan.com

Will Bain is joined by Nga Pham in Jakarta and Carsten Brzeski in Frankfurt to take stock of the week's business stories.They discuss the economic impact of heatwaves around the world, as extreme temperatures affect productivity, energy demand, and economic growth. The panel also examines Germany's plans to reform its pension system and what they could mean for Europe's largest economy.Plus, a dispute over fruit imports is raising fresh tensions between China and Taiwan, as Beijing's purchases of custard apples spark concerns on the island. And after a volatile week for technology shares, including sharp movements in SpaceX stock, the panel asks whether investors are becoming more nervous about the future of the tech sector.Presenter: Will Bain Producer: David Cann Executive Producer: Justin BonesYou can email the team: businessdaily@bbc.co.ukPhoto: People cool off in the Trocadero fountain in front of the Eiffel Tower as temperatures rise in Paris during a heatwave affecting a large part of France, June 23, 2026. Credit: REUTERS/Abdul Saboor)

Newly released research seen exclusively by this programme suggests a quarter of the UK's nearly 6 million carers have paused or stopped paying into their pension because of the financial pressures of caring for a loved one. Most often, that loved one has complex needs and the costs of caring for them can be high. In the same research, from Carers UK, three quarters of carers said they're worried about their financial futures. An independent review is to take place into how the closure of bank branches affects people who rely on being able to physically go into their bank and speak to someone. The government says it wants to make sure those needing access to in-person service are protected. It has appointed Richard Lloyd, a former Director at Which?, to review face-to-face banking.On Wednesday National Savings and Investments will start a year-long process of contacting the executors and personal representatives of 34,000 former customers whose money it had kept after they died, some as long ago as 2008. How will that work?And a new report looks at the quality of financial guidance being offered by some social media posts.Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Catherine Lund and Jo Krasner Editor: Jess Quayle Senior News Editor: Sara Wadeson(First broadcast at 12 noon on Saturday 23rd May, 2026)

Maria Keena has more about the 72-million-dollar budget cut to the blind pension fund.

#thismorning | From 9% to 90%: How #WestVirginia Saved Its #Pensions and Rewrote #Retirement #Rules | Jeffrey Fleck, Executive Director, West Virginia Consolidated Public Retirement Board | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

Happy Father's Day! Adam walks through the money lessons a lot of us picked up from our dads and grandfathers. The advice came from a good place and from real experience. The trouble is that the world they lived in looked almost nothing like the one we are retiring into now. Pensions are mostly gone, people are living longer, healthcare costs keep climbing, and the tax code is more complicated than it has ever been. Adam goes through the old rules one at a time. Cash is king. All debt is bad. Never touch the principal. Social Security has you covered. The stock market is a casino. He explains what still holds up, what quietly works against you today, and where a fiduciary actually earns their keep. There is plenty here for everyday savers and a few good reminders for advisors too. It is a warm, honest conversation, and a pretty fitting tribute to Dad. Episode Timestamps 00:00 – Why following outdated money advice can quietly cost you 01:00 – Father's Day setup and how Dad's financial era was different 02:00 – "Cash is king" and the hidden cost of inflation 02:40 – Why hating all debt can work against you 03:30 – "Never touch the principal" and modern income planning 04:30 – What Social Security was really designed to do 05:30 – The market scar that became a family money philosophy 06:30 – Why retirement doesn't reward improvising 07:30 – Honoring Dad by getting your own house in order Key Takeaways

Cam Newton recently discussed on ESPN's First Take the biggest money mistake that pro athletes make. In this episode, Ethan Glasgow reveals the hidden tax traps that both athletes and everyday Americans face after their careers. Discover why retirees are among the most unfairly taxed groups, how Social Security, pensions, and IRAs can impact your bottom line, and which strategies can help you keep more of your hard-earned money. Whether you’re five years from retirement or already planning your next chapter, this conversation will help you understand the real cost of retirement and how to prepare for it. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

In a recent interview with Alan Skorski, Dr. Jacob Agronin, a cardiology fellow, detailed the antisemitism he and other Jewish physicians face within their union — the Committee of Interns and Residents (CIR) — and explained why he felt compelled to testify before Congress. Dr. Agronin appeared before the House Subcommittee on Health, Employment, Labor, and Pensions to highlight what he described as the union's adoption of positions aligned with Hamas and Hezbollah supporters, amid broader concerns about antisemitism infiltrating healthcare — a field many expected to remain free of political and religious conflict. CIR, which represents more than 37,000 physicians and is affiliated with the Service Employees International Union (SEIU), has passed resolutions declaring Israel guilty of “apartheid” and “genocide,” endorsing the Boycott, Divestment and Sanctions (BDS) movement, and directing the union to oppose candidates who support legislation criminalizing BDS. The resolutions also reject equating antisemitism with anti-Zionism and claim that concerns over rising antisemitism are being exploited to stifle anti-Zionist organizing, according to Agronin's testimony. The union has also expressed support for figures associated with Hamas and Hezbollah, including Mahmood Khlail, a former Columbia University student targeted for deportation by the Trump administration. In his interview with Skorski, Agronin recounted noticing troubling signs about the union approximately a year ago when his hospital voted to join CIR. He described being disturbed by the organization's focus on anti-Israel positions that have nothing to do with patient care or medicine. When asked what motivated him to testify, Agronin told Skorski: “I didn't want any of this… but someone had to stand up and say something.” Agronin, a cardiology fellow at Temple University Hospital in Philadelphia, emphasized two primary concerns for Jewish doctors: being forced to pay dues to a union they did not choose that targets them and Israeli colleagues, and the politicization of medicine. He argued that CIR's resolutions align it with activists who disrupted college campuses following the Hamas-led Oct. 7, 2023, massacre in Israel. In the interview, Agronin noted that he first became aware of rising antisemitism on college campuses about 10 years ago and was surprised to see it extend into healthcare. He connected with the American Jewish Medical Association and the National Right to Work Legal Defense Fund for support before his congressional testimony. The testimony and interview come as reports of antisemitism in medical settings — including calls to exclude Israeli doctors and hostile environments for Jewish patients and providers — have increased since Oct. 7 -VIN News Watch the interview on YouTube: https://www.youtube.com/watch?v=Ni9pERXNv2Q Alan Skorski Reports 14JUNE2026 - PODCAST

In this episode of the Crazy Wisdom Podcast, host Stewart Alsop sits down with client strategist Amadeus Huff to cover a wide range of topics that wind their way from the nuts and bolts of recruiting and payment models to the rapidly shifting landscape of AI adoption in business. The two dig into how AI tools are reshaping client success roles, the murky territory of recording laws and privacy in a globalized world, the geopolitical implications of oil supply chains, sanctions, and the rise of domestic tech ecosystems in countries like Russia and Argentina, and what all of this means for the future of human connection and the nation-state. Amadeus closes on an optimistic note, arguing that as AI takes over bureaucratic busywork and erodes trust online, people will increasingly hunger for genuine human relationships and third spaces. You can connect with Amadeus Huff on LinkedIn.Timestamps00:00 - Stewart introduces Amadeus Huff, diving into recruiting as building connections between job seekers and employers with minimal variance.05:00 - Amadeus discusses AI adoption pitfalls, comparing aggressive growth strategies to Amazon's early model, questioning whether tools deliver promised results.10:00 - Conversation shifts to AI notetaking versus human perception, exploring probabilistic interpretation differences between humans and machines.15:00 - Recording consent laws debated across states, touching on Waymo surveillance, Uber data collection, and public versus private space definitions.20:00 - Global privacy landscape examined, covering Swiss banking secrecy erosion, ProtonMail's departure, and RISC-V semiconductor development escaping US jurisdiction.25:00 - Sanctions creating domestic innovation ecosystems discussed through Russia's example, paralleling Argentina's emerging commerce evolution.29:00 - Closing reflections on AI replacing bureaucracy while preserving human purpose, optimism about meaningful work and deeper personal connections emerging.Key Insights1. Recruiting is fundamentally about reducing variance between what job seekers want and what employers offer. The most ethical payment models in recruiting are tied to proven success, such as waiting three months to confirm a hire is working out, rather than collecting fees the moment a contract is signed.2. Business thinking has shifted from shareholder value to stakeholder value, meaning companies now consider the wellbeing of employees, families, and communities, not just stock price. This shift is accelerating due to AI overpromising and underdelivering, making value-based measurement more important.3. AI is most useful when it handles administrative tasks that provide no direct value to customers, such as transcribing meetings and populating CRM systems. This frees up workers to focus on meaningful relationship-building and intellectual work rather than bureaucratic busywork.4. There is an important distinction between recorded and unrecorded conversation in professional settings. Building trust through informal off-the-record dialogue before switching on a transcription tool creates clearer boundaries and stronger relationships with clients.5. Sanctions tend to follow a bell curve of effectiveness. Over time they force sanctioned countries to build domestic alternatives, which gain adoption and loyalty, ultimately reducing the influence of the original foreign companies once sanctions lift.6. AI is degrading trust in online information to the point where people will increasingly crave authentic human connection, physical gathering spaces, live experiences, and real relationships rather than algorithmically generated content.7. AI is quietly improving intergenerational relationships by removing codependency. When elderly parents learn to use AI for technical help, their calls to family members shift from problem-solving to genuine connection, which strengthens the relationship.

June 11, 2026 ~ Detroit News reporter Beth LeBlanc talks with Paul W about how 41 former Michigan lawmakers are collecting six-figure 'Cadillac' pensions. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this Meaningful Money Q&A episode, Pete and Roger answer six listener questions on pensions, retirement planning and tax for a UK audience. We cover whether to put life insurance into trust, how to reduce the 60% marginal tax trap around £100k income, and whether taking a defined benefit pension early can make sense when health is a factor. Plus, we explain the Royal Mail Collective Defined Contribution (CDC) pension, share practical guidance on dealing with overseas pensions, and discuss when to take 25% tax-free cash for the best outcome. Shownotes: https://meaningfulmoney.tv/QA51    01:36  Question 1 Hi both, I have a question relating to discretionary trusts for life insurance policies. I'm from Scotland, 37, married with 2 young children and have a life assurance policy with Vitality which is currently not in trust. I was considering putting into a trust for the benefits associated to inheritance tax but was looking to get your opinion on whether it was necessary or not, and what the pros/cons are. Thanks, Marc 05:46  Question 2 Hi Pete and Roger I am a relatively latecomer to the podcast - its been a year or so now but your work makes the complications of planning for retirement so much more understandable so thank you for bringing clarity to a very difficult subject. I have two first world questions if I may.  Neither are time critical. I am in a fortunate position.  DB pensions will kick in over the next 2 years (I am 63) totalling circa £75K pa and with the state pension at 67 it won't be very long - if tax thresholds and rates don't change - before I will be hitting the 60% effective rate.  So to delay the inevitable, I am thinking I will need to contribute to a DC pension!  As I understand it, if I have a DC scheme for three tax years and presumably contribute to such a scheme each year (say £100?) in the year I hit the £100K income, I will be able to contribute gross £3600 x 4 (so £2160 pa or £8640 in total, less any annual contributions along the way) in the first year or with care spreading that amount over 2-3 years to ease the tax burden.  I realise when the money is withdrawn it will still be taxed at my marginal rate, but maybe the 60% marginal rate will have been removed by then - I can hope!  Is that right?  Have I missed anything or are there any other techniques generally available? I am also in a position that when my wife and I both die, unless carehome fees have eaten into the estate, there will be inheritance tax to pay as our combined wealth is well over £1m and we have already given away what we reasonably can to our children.  As I understand it, inheritance tax is payable 6 months after death but all being well probate will be granted well before that so our bank accounts can be used to pay the tax (our children have financial and health powers of attorney but they are irrelevant on death).  Apart from incredibly expensive life assurance or a lifetime gift of cash for this purpose, is there anything else we can do to facilitate payment (the nature of our affairs means there's not much more we can do to mitigate the liability itself, ie the vast majority of the value is in the family home!) Many thanks, David   11:46  Question 3 Hi Roger and Pete,   First of all thank you for all the content you provide, it has been incredibly useful as I start to really take the idea of early retirement seriously.   I am 49 and looking to retire as early as financially possible as I have medical issues that mean my life expectancy is somewhat curtailed - though I plan on defying the inevitable for as long as possible.   I have a DC pension which I plan to access as soon as I stop working in hopefully 10 years' time. I also have an index-linked deferred DB pension which provides a 50% widows pension as one of the benefits.   I am torn between accessing this 6 years early (with a 25% reduction) as I start drawing from my DC pension, or delaying so that my wife is better taken care of later in life. Whatever I choose, all the projections seem to stack up that my DC pension should last into my 90s, but I'm acutely aware that I will probably want to go a bit overboard when I first retire and try to maximise travel and experiences.   My question is, am I missing something in the DB trade off?  Assuming I live a while after retiring, accessing the pension early will take a decent amount of time before we're financially worse off than we would have been if we'd waited (~13 years). However the combined loss of my state pension and the smaller DB income could leave my wife short of funds.   I would really appreciate your perspective on this scenario and anything else you think I might want to consider, many thanks again for all of your words of wisdom, Dan Meaningful Academy Retirement Planning: https://meaningfulacademy.com/retirementplanning  19:40 Question 4 Hi Pete and Roger! My partner works for Royal Mail, she is under the new starters contract and started in 2022, at which point the pension scheme was a typical defined contribution scheme with very generous contribution levels from the employer of 10% with a 6% contribution from the employee. This was 'easy' to make assumptions on for compound calculations to plan for our very far away retirement as we are both currently 27 years of age. Now this brings me to today's pension scheme, which is known as a Collective Defined Contribution plan. I'm struggling to find any information on this type of scheme as it seems to be the first of its kind in the UK, and seems to have been used for a while in the Netherlands. Now the wording of the scheme seems to be worded as if it's a Defined Benefit scheme with a lump sum being paid at retirement age and a 'Guaranteed income for life' amount being paid each month, however it has the caveat that the payout per month may decrease if investments do not perform as expected for better or for worse, so this is not a guaranteed amount at all in reality. The issue I have with this is that with a standard DC scheme like my own, if I was to die either before or during retirement, the remaining money in the pot would be inherited by my surviving spouse or if she was to pass away before I do, it would go to the next nominated beneficiary. With the Collective DC scheme, it's worded that if my partner was to die before she claimed it then I would receive the 'income for life' portion at a reduced rate of 50% and lose out on the lump sum entirely or if she was to pass away after claiming it then she would clearly receive the lump sum and I would remain to collect 50% income for life for as long as I remain alive. This seems to be very unfavourable for anyone receiving the benefit of this scheme on the whole. Now with some calculations, not using exact figures but somewhere close, I've just done some comparisons as the new Collective DC plan was sold as far and away a better option than the old DC Plan, but I cannot find a way for it to make sense. It's hard to see how this new scheme is better in any way compared to the old scheme, even if the contributions from the employer look more generous on paper. Is there something I am completely missing or misunderstanding with this new type of pension scheme? I have not seen much content online about it at all and would love for this to be featured in a podcast episode or video or even just for a chat on this matter as I feel very underwater with this. I can't seem to find a good way to factor this pension into our plan as we do plan to retire before the age of 67, this is just the age stated on the CDC scheme for payout so this is the assumption I am working with. There is an option to opt out of the CDC plan and join a regular NEST DC plan instead but this only has 4% employer contributions on top of the 5% employee giving a yearly contribution of x per year. I suppose my main gripe would be how much you would lose out on if the worst was to happen as traditionally this would remain as a pot for next of kin to inherit, however if my partner and I both passed away at age 70 (I certainly hope not!) and didn't have kids under the age of 18, the entire amount of money would be lost. This is the part I'm struggling to wrestle and the NEST pot even looks appealing with this in mind. I know the future is uncertain and we could live to 100, but the chances are relatively low. Apologies this got a bit long and ranty, I would appreciate any feedback. Keep up the amazing work and I have learned loads from your content over the years. Many Thanks, Joe 29:56 Question 5 Hi Pete and Rodger, Like many people these days, I spent part of my career working overseas. I'm now 52 and have been thinking about how best to deal with personal pensions I accrued while working abroad, in my case, in Japan and the United States (both broadly equivalent to 401(k)-type schemes). While working overseas, I didn't accrue sufficient qualifying years to receive any state pension benefits, but I did build up some company personal pension entitlements. The amounts are relatively small (less than £100k in total), which makes me question whether it's worth the time and cost of seeking formal financial advice. My UK-based pensions and ISAs are relatively straightforward and well organised, but these overseas pots feel more cumbersome by comparison. I imagine there must be many people in a similar position, holding small overseas pension pots and unsure what the most sensible approach is. From an administrative perspective, it feels as though the simplest option may be to access these pensions as soon as I reach the relevant retirement ages, rather than continuing to manage them long term. That said, I'd welcome any general thoughts or guidance on typical approaches people take in this situation, and any obvious pitfalls to be aware of. Many thanks, Lawrence Perceptive Planning - https://www.perceptiveplanning.co.uk     34:20  Question 6 58 now and both thinking of retiring at 61 with no mortgage and kids self sufficient. At age 61 we will have around £300k in savings (inc stocks n shares ISAs, cash ISAs, Premium Bonds and Bank Accounts) and between us will have around £450k in Pensions at age 67 and the wife will get a £7k a year NHS DB pension. Our idea is to live off the cash first from age 61 till age 67 to let the pension pot grow to its absolute max and then draw down the 25% tax free to add to state pension at age 67 then live off the rest at about 4% per year BUT others say take the tax free 25% before 67 because if do it at 67 it will add to the state pension taking you over the personal allowance! We want to let the pot grow more for actual retirement age of 67 onwards and leave more for the kids inheritance long term if we don't use it all so unsure what to do. For clarity, it's our intention to lump sum some money in to our pensions and ISAs in April with some of our 'available cash' and may also lump sum in to my Stocks n Shares ISA to leave it growing for say between 8 to 15 years until we need it. Any advice welcome, Steven. James Shack video on Withdrawal Strategy  https://www.youtube.com/watch?v=d4MDvcEcHXI   

On Wednesday's Morning Focus, Alan Morrissey was joined live in-studio once again by Tommy Corbett of Carey Corbett Financial Solutions. Tommy Corbett spoke about financial considerations for co-habiting couples when it comes to life insurance and pensions. Image (c) Clare FM

Part 2 of our UK pensions series, this episode covers everything you need to DO if you want to simplify your pensions without making expensive mistakes. You'll learn how to take stock of every pot, spot safeguarded benefits you should never move casually (like DB pensions and protected tax-free cash), and compare charges and platforms properly. We also break down transfer mechanics and the big decision: how simple you actually want your setup to be, while keeping your investment strategy and beneficiaries up to date. If you want a calmer, practical guide to pension consolidation in the UK, this is for you. Shownotes: https://meaningfulmoney.tv/session624 01:16 Summary of KNOW 06:26 DO - Take stock 08:18 DO - Identify what should NEVER be moved casually 13:21 DO - Compare charges properly 15:30 DO - Assess the quality of each existing provider or platform 18:55 DO - Decide what level of simplicity you actually want 19:44 DO - Understand transfer mechanics 24:13 DO - Be deliberate about investment strategy AFTER consolidation 25:45 DO - Update beneficiaries and records 27:20 DO - Decide YOUR threshold for "tidy enough" 29:40 Summary of DO Pension Consolidation Checklist - https://meaningfulmoney.tv/consolidationchecklist   

This podcast is released as part of a collaboration between Fiftyfaces Productions and the Always a Pensions Angle Podcast produced by DG Publishing.  Nick Dixon is Head of Pensions, Avon Pension Fund, which he has led since 2022.  Avon Pension Fund serves c.140,000 members in the public sector across Bristol, Bath and surrounding areas and is now a partner fund of Local Pensions Partnership.  Previously Nick advised private sector wealth platforms on their pensions and investment proposition. He was CIO of Aegon UK from 2013-21, focused on DC workplace pensions. From 2001-13 Nick was Marketing Director for wealth & pensions platform Quilter.Our conversation has a particular focus on an engagement exercise that Avon conducted around the fund's investment in aerospace and defence companies. Nick explained that during 2024 and 2025 the fund received a lot of petitions from its members who were deeply concerned about the war in Gaza, and the indirect role of aerospace and defence companies in supplying Israel. In response to that, a critical stakeholder issue, they conducted a survey of all members. We opened up the issue to bring out a set of trade-offs, including the importance of NATO defence, the concern about arms impacts on the environment, the fact that they kill innocent civilians. The consultation had reasonable engagement - with 11% of the fund members responding, and the result was that 42% wanted to divest, about 47% said they'd like to remain invested, and about 11% said they didn't know. The fund did not consider this a clear mandate to divest – and therefore decided to remain invested.We discuss the importance of engagement generally as well as this critical, sometimes emotive, issue, which has emerged for many local authority pension funds. We reflect on whether surveys and engagement in this way could be a way forward for other funds in the future as these issues continue to gain traction with the underlying beneficiaries and stakeholders. 

The Department for Work and Pensions is in the process of hiring nearly 500 new members of staff to help clear the Access to Work backlog and tackle long delays. The Access to Work scheme can help disabled people gain and maintain employment by providing funding for things like support workers and assistive tech. A review of the scheme is currently underway which aims to reform the scheme as it is struggling to keep up with rising demand, these new recruits are a separate measure by the department which aims to quicken the processing of people's claims. In Touch speaks to Minister for Social Security and Disability Sir Stephen Timms about these new roles. For the first time, the UK communications regulator Ofcom is introducing access requirements for streaming services like Amazon Prime Video, Disney Plus and Netflix. This is following the Media Act 2024, and Ofcom's proposals will not only apply for audio description, but also for subtitling and signing. Cathy Taylor is part of Ofcom's Broadcasting Team and describes to In Touch what these new requirements could look like, and about a consultation which is seeking the views of access service users. Contact details for Ofcom's consultation are below: General advice telephone number: 0300 123 3333 Consultation email address: Tier1accessibility@ofcom.org.uk And the consultation web page: https://www.ofcom.org.uk/tv-radio-and-on-demand/accessibility/tier-1-accessibility-code Closing date for responses: 7th August 2026Presenter: Peter White Producer: Beth Hemmings Production Coordinator: Helen Surtees Website image description: Peter White sits smiling in the centre of the image, wearing a dark green jumper. Above Peter's head is the BBC logo (three individual white squares house each of the three letters). Bottom centre and overlaying the image are the words "In Touch"; and the Radio 4 logo (the word Radio in a bold white font, with the number 4 inside a white circle). The background is a bright mid-blue with two rectangles angled diagonally to the right. Both are behind Peter, one of a darker blue and the other is a lighter blue.'

Nick Bruining, independent financial adviser, joins Nightlife regularly to talk about the ever-changing world of business and finance and what these changes mean for you.

Don celebrates the continued success of the Friday Q&A format and the encouraging first week of sales for his novel The Line Uncrossed, including a strong Kirkus review, before tackling a series of listener questions centered on retirement income and fixed income investing. He explains how his combination of cash reserves, a CD ladder, and bond funds supports a disciplined withdrawal strategy, discusses why diversified bond funds like BND still play an important role in reducing portfolio volatility, rejects the idea that Social Security and pension income should be counted as bond allocations within an investment portfolio, argues against the concept of a reverse glide path that increases stock exposure later in retirement, and shares lessons learned from decades of entrepreneurship about balancing investments in a business versus the market. Throughout the episode, he emphasizes diversification, discipline, investor behavior, and the importance of managing volatility rather than chasing returns.0:05 Why listener questions remain Don's favorite part of talk radio after 40+ years1:16 Friday Q&A episodes continue to be the most downloaded shows each week1:50 Easier ways to submit questions through the redesigned Talking Real Money website2:42 First-week sales update on The Line Uncrossed and reader support3:21 Positive Kirkus review and details on the ebook bundle4:48 How Don uses cash, bond funds, and a CD ladder during retirement8:00 Why BND and total bond market funds remain useful fixed income tools11:22 Should Social Security and pensions count as bonds in your allocation?14:26 Why Don believes reverse glide paths are a bad retirement strategy17:34 Investing in your own business versus investing in the market21:23 Why compliance reviews delay listener questions from airingQuestions? Comments? Click!

This podcast is the latest in our collaboration with the Always a Pensions Angle podcast produced by DG Publishing. Peter Wallach is Director of Pensions at Merseyside Pension Fund, a position he took up in April 2007. He started his career in private banking, where he worked in the City for 12 years. In 1997 he joined Close Wealth Management as an investment manager, and in 2004 he joined Merseyside Pension Fund. Our discussion, which is Peter's first time being interviewed by Aoifinn Devitt, so his first appearance on the podcast, was a long time coming, in that Peter has been a long-term steady hand in the LGPS, combining investment acumen with operational insight.  Our discussion focused on the evolution at Northern LGPS and we asked what needed to evolve there to meet the new demands of pooling. Peter cites the benefits of collaboration between pools an effective way of delivering the government's agenda and he mentions both GLIL, as well as a housing initiative that Northern is working on with LPPI. He also mentions the potential for collaboration with DC master trusts as they grow in scale. We touch then on the fund's responsible investment policy and how that will evolve under pooling and Peter mentions the fund's baseline as well as its interim milestones. He discusses the importance of targets not being too rigid while still being ambitious.

In this episode (Part 1 of 2), Pete and Roger unpack the big question: should you consolidate your pensions and investments, or can you oversimplify and accidentally make things worse? We break down what pension consolidation really means in the UK, the strongest arguments for and against it, and the key benefits and risks to watch for (including charges, safeguarded benefits, and 'all eggs in one basket' concerns). If you are approaching retirement planning and want more clarity, confidence, and fewer moving parts, this is a practical guide to help you think it through properly. Part 2 will focus on what to actually do next, step by step, if you decide consolidation might be right for you. Shownotes: https://meaningfulmoney.tv/session623  02:42 KNOW - The emotional pull of consolidation 08:16 KNOW - What consolidation actually means 10:56 KNOW - The strongest arguments FOR consolidation 25:00 KNOW - The strongest arguments AGAINST consolidation 44:35 KNOW - When consolidation is usually a very good idea 47:16 KNOW - When caution is essential 48:36 KNOW - The "good enough" middle ground 50:10 Summary  

All Home Care Matters and our host, Lance A. Slatton were honored to welcome Elizabeth Field as guest to the show.   About Elizabeth Field, Chief Operating Officer at the Elizabeth Dole Foundation:   Elizabeth Field joined the Elizabeth Dole Foundation in February 2024 as its first Chief Operating Officer. Prior to that, she served as a Senior Executive Director in the Government Accountability Office's (GAO) Defense Capabilities and Management Team, where she led a broad body of work related to military quality-of-life issues, as well as defense management, business operations, and reform.   A recognized expert on the Department of Defense, she has testified several times before Congress, and her work has been featured by various news outlets, including National Public Radio, CNN, and The New York Times. Before joining GAO in September 2017, Ms. Field served as Chief of Staff and Senior Advisor to the Under Secretary of State for Civilian Security, Democracy, and Human Rights. Ms. Field also previously served as Assistant Inspector General for Audits and Inspections at the Office of the Special Inspector General for Afghanistan Reconstruction, which was charged by Congress with conducting audits, inspections, and investigations to improve the effectiveness and efficiency of the Afghanistan reconstruction effort and to detect and deter waste, fraud, and abuse.   Ms. Field's first tenure with GAO lasted from 2002-2010, during which she worked primarily as a Senior Analyst in the International Affairs and Trade Team and conducted fieldwork in the Middle East, Africa, Asia, and Latin America. From 2000-2001, she served as a Jacob K. Javits Fellow on the Public Health Subcommittee of the U.S. Senate Committee on Health, Education, Labor, and Pensions. Ms. Field holds a Master's Degree in Public Policy from Duke University and a Bachelor's Degree in History from Davidson College, where she graduated cum laude.   The proud daughter of an Army veteran, she lives in Washington, D.C. with her two sons, Graham and Henry (a West Point cadet), and their rescue dog, Maisie.     About the Elizabeth Dole Foundation:   The Elizabeth Dole Foundation is the preeminent organization empowering, supporting, and honoring our nation's 14.3 million military and veteran caregivers—the spouses, parents, family members, and friends who care for America's wounded, ill, or injured service members and veterans. Established by Senator Elizabeth Dole in 2012, the Foundation works to empower military and veteran caregivers, their families, and their communities through programs, partnerships, and advocacy that drive innovative, impactful, and sustainable solutions.   About the 11th Annual National Convening:   Registration is now open for the Elizabeth Dole Foundation's 11th Annual National Convening – and you won't want to miss it!   Join us on May 19, 2026, in Washington, D.C., at the iconic Ronald Reagan Building and International Trade Center, where leaders, advocates, and caregivers from across the country will come together for a powerful day of connection, conversation, and action. If you are unable to join us in-person, you can register for virtual attendance using the same link.   Last year, Convening attendees helped us begin to develop the National Blueprint for Action—a practical, solutions-driven roadmap designed to strengthen support for the 14.3 million military and veteran caregivers nationwide. Now, as we officially launch that Blueprint, we commit to act—bringing together caregivers, business and industry leaders, and policymakers to advance a nationwide Culture of Caregiving. Inspired by thought-provoking plenary speakers, you will participate in interactive working sessions and breakout discussions to learn how you can make a difference.   In-person attendees will also experience our dynamic Innovation Expo, featuring more than 30 organizations across military and veteran services, healthcare, and beyond. There, explore valuable resources, spark meaningful connections, enjoy a complimentary headshot, and take a moment for yourself at our chair massage station.