Podcasts about pensions

On this episode of CFO at Home, Vince's guest is Frank Buchholz, a seasoned financial expert with over 40 years of experience, and the author of The Investor's Golden Playbook, 12 Rules for Achieving Real Wealth. Frank shares his personal financial journey, building an impressive retirement savings of over $8 million, beginning with modest contributions to his 401(k) in the early 1980s. He discusses the importance of maxing out contributions, the critical decisions he made during market downturns, and the lessons learned from navigating the Great Recession. Frank also emphasizes the significance of understanding investment strategies and the need for guidance in today's investment landscape. For more about Frank and The Investor's Golden Playbook, visit investorsgoldenplaybook.com Key Topics: Frank's Journey: From $2,000 Contributions to $8 Million in Savings The Importance of Maxing Out Your 401(k) Navigating Market Downturns: Lessons from the Great Recession The Shift from Pensions to 401(k)s: A New Era of Retirement Planning Building a Legacy: Passing Wealth and Knowledge to the Next Generation Understanding the Need for Investment Guidance Key Links: Investors Golden Playbook Contact - Investors Golden Playbook Contact the Host - vince@thecfoathome.com  Want to be a guest on CFO at Home? Send Vince a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1628643039567x840793309030672500

Welcome back to The Midlife Mentors! We're shaking things up with a brand new format we're calling Hot Topics.Each month we'll take a look at some of the stories making headlines that we think matter most to us in midlife - whether that's health, money, culture, or just things that get us talking.This week we're diving into the shocking Mounjaro price hike and what it means for people trying to look after their health, the growing Gen X pension gap, and the controversy around L'Oréal hiring an OnlyFans model for a major campaign.Plenty of food for thought, a bit of debate, and of course, our take on what it all means for midlifers like you. So let's get into this month's Hot Topics.Ibiza Retreat: https://themidlifementors.com/retreats/The Midlife Male Handbook available now:AmazonWaterstonesWH Smith Please remember, if you find the show helpful or it makes you laugh, motivates and inspires you - please do like, share and rate us. We don't run ads on the podcast or for the show, because we want to keep it as enjoyable for you to listen as possible. So if you can help us spread the word, we'd be incredibly grateful.For more information about The Midlife Mentors, click the below link:https://linktr.ee/themidlifementors.comTik Tok: @themidlifementorsIG: @midlifementors

The UK government is coming for everything you've got. In this urgent episode, we break down the shocking new tax laws being passed quietly during periods of political chaos. We detail how your pension, your savings, your home, and even your children's inheritance are now squarely in the crosshairs to fill a £50 billion budget black hole. This isn't speculation—it's official. We'll explain the massive inheritance tax trap threatening to steal an average of £82,000 from homeowners and how the new "National Wealth Fund" aims to mobilize your pension. But it's not all doom and gloom; we also provide crucial guidance and legal strategies, from trusts and allowances to spousal transfers, to help you protect your wealth before it's too late. This is essential listening for every UK taxpayer.Support the showThanks for listening. For more commentary, join my newsletter! To Stay In Touch: Click Here To Subscribe To My NewsletterSee you next time!

Daily life depends US-based cloud computing. What happens if Trump decides to use it as a weapon against his enemies, as he does with tariffs? Just three American firms – Google, Amazon, and Microsoft – control around two-thirds of Europe's cloud infrastructure including the UK's Home Office, HMRC, Department for Work and Pensions, and MoD. Could Trump order his cowed techbro allies to simply cut us off? And is anyone preparing for moment when America could hold us to digital ransom? Kieron  O'Hara – computer scientist, philosopher and co-author with Wendy Hall of Four Internets – talks to Andrew Harrison.  • Buy Four Internets through our affiliate bookshop and you'll help fund The Bunker by earning us a small commission for every sale. Bookshop.org's fees help support independent bookshops too. • Support us on Patreon for early episodes and more. • We are sponsored by Indeed. Go to indeed.com/bunker to get your £100 sponsored credit. • 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. Written and presented by Andrew Harrison. Audio production by Robin Leeburn. Music by Kenny Dickinson. Art by Jim Parrett. Managing Editor Jacob Jarvis. Group Editor Andrew Harrison. THE BUNKER is a Podmasters Production www.podmasters.co.uk Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week's Summer Series is with Ash Williams, the former CIO of the Florida State Board of Administration, where he oversaw one of the largest state pension funds in the US. Ash was an innovator in the space, modernizing the compensation scheme, asset allocation, and governance in a public pension fund – a notoriously tricky political seat. Original Release Date: July 7, 2019 Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership

Réforme des pensions, prix des carburants inchangés : Nando Bodha dénonce un gouvernement en crise et un bilan décevant après neuf mois au pouvoir by TOPFM MAURITIUS

A.M. Edition for Aug 8. Wall Street is finally getting what it's long hoped for - the ability to invest pension funds in assets like real-estate, crypto and private equity. But as WSJ deputy editor Quentin Webb explains, that doesn't come without its risks. Plus, Israel's cabinet approves Prime Minister Benjamin Netanyahu's controversial plan to take over Gaza City. And, why using old-school ways to land a job might be more effective than using AI to spray your resume all over the net. Azhar Sukri hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Christian and Kevin revisit the hot topic of the government's proposed inheritance tax (IHT) changes affecting pensions from 2027. Following a surge in listener interest, they clarify what's changed, who's now responsible, and what practical steps listeners must take to protect their wealth and family.Key Discussion Points:Background:The government plans to tax pensions on death, a major shift from past policy.The responsibility for reporting and paying this tax will now fall on personal representatives (executors), not financial services companies.Why This Matters:Most executors are chosen for trust, not financial knowledge.Executors are now legally liable for getting it right – mistakes could mean personal financial penalties.Practical Risks:Many people don't know where all their pensions are or which are taxable.Appointing a professional executor (like a bank) could cost families a significant portion of their inheritance, sometimes unnecessarily.Action Steps:Review your will and your choice of executors.Ensure your executor is financially savvy or has access to professional advice.Consolidate pensions where sensible for simplicity and clarity.Avoid defaulting to professional institutions as executors without understanding the costs.WealthBuilders' Support:WealthBuilders is creating two practical guides:For those making a will (how to choose an executor)For executors (what their new responsibilities entail)Guides will be available soon at wealthbuilders.co.uk/IHT and wealthbuilders.co.uk/executorFinal Advice:Awareness is key: know your assets, your will, and your executor's readiness.Take action now—don't wait until it's too late.Call to Action:Sign up for the forthcoming guides at wealthbuilders.co.uk/IHTReview your will and executor choicesShare this episode with anyone who has a pension and a familyContact WealthBuilders with questions or to book a call via the websiteResources Mentioned:Download our free guide on inheritance tax changes for pensions: wealthbuilders.co.uk/IHT Be the first to access our upcoming Guide for Executors — register your interest here: wealthbuilders.co.uk/executorCatch up on WealthTalks episode on IHT changes: How to Protect Your Pension from Inheritance Tax Changes Coming in 2027Connect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.For more inspiring stories and actionable tips, subscribe to Wealth Talk and leave us a review!Next Steps On Your WealthBuilding Journey: Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!If you enjoyed this episode, please rate and review WealthTalk on your favourite podcast platform

What if your federal pension is small and you're not relying on it—should you still elect survivor benefits? In this episode, John and Tommy respond to a listener's detailed YouTube question about pensions, TSP, and survivor benefits when service time is short and other retirement savings are strong. They break down the real value of keeping survivor benefits, even when your pension isn't your main income stream. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn:  LinkedIn John Mason: LinkedIn Federal Employees - DO NOT Decline Survivor Benefits! 

Chaque jour, retrouvez les journaux de la rédaction d'Europe 1 pour faire le tour de l'actu.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Chaque jour, retrouvez les journaux de la rédaction d'Europe 1 pour faire le tour de l'actu.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Reform of the state pension, auto-enrolment into company pensions and consolidation of small pensions spread across several providers are proposed this week in a major report on the future of pensions. It says major changes are are necessary to ensure today's workers have an adequate income in retirement. The conclusions come at the end of a two year study by the independent research organisation the Institute for Fiscal Studies, we'll speak to them about the report.Hundreds of thousands of people whose homes are heated using communal heat networks are less than 6 months away from greater protection as the industry gets ready to come under Ofgem regulation for the first time. Up until now people in homes that are on heat networks, which use a single heat source to pipe hot water to multiple households, have not had the same rights as those on mains gas or electricity, but that is about it change. What difference could the new regulations make?How could the way you get financial advice change in the future? We'll discuss new proposals by the regulator the Financial Conduct Authority aimed at helping more people get financial advice.And, what would you like to see on a new bank note from the Bank of England? Email us now moneybox@bbc.co.uk Presenter: Paul Lewis Reporters: Dan Whitworth and Jo Krasner Researcher: Eimear Devlin Editor: Jess Quayle(audio credit British Pathé)(First broadcast 12pm Saturday 5th July 2025)

Anne Kinsella, Agricultural economists at Teagasc

Hosts: Dr. Ashlee Gethner, LCSW – Child of a Police Officer Jennifer Woosley Saylor, LPCC S – Child of a Police Officer Guest: Brian Box CFS, Retired US Army & Police Sergeant Episode Overview: In this enlightening episode, Ashlee and Jennifer welcome Brian Box—former army officer, police sergeant, and now financial advisor—to unpack the unique financial challenges and opportunities faced by first responders. The conversation weaves Brian’s personal journey from military to law enforcement and eventually into financial planning, illustrating firsthand how these careers impact financial wellness, family life, and long-term stability.   Key Topics Covered Brian’s Journey: Brian shares his background from Texas A&M to the U.S. Army, his years as a police officer, and ultimately the career pivots and financial planning that led him into advising other first responders. Unique Financial Challenges for First Responders: The trio discusses overtime as a built-in option for many first responders, the trap of “lifestyle creep” with higher base pay, and the stress of balancing multiple roles at home and work. Financial Wellness & Family Impact: How money stress contributes to marital strain and higher-than-average divorce rates among first responders, and practical tips for healthy budgeting. Budgeting & Debt: Brian dives into why a budget is your top wealth-building tool, the debt snowball method, and how to break the paycheck-to-paycheck cycle common in 80% of U.S. households. Retirement & Pensions: Explanation of first responder pension systems, their limits, and what planning for retirement really looks like—especially for those entering the field later in life. Teaching & Resources: Details about the financial education classes Brian and his team provide to academies and departments, plus online resources like their “Legacy Go Bag” for organizing wills and vital documents. Success Stories & Impact: Brian shares small but important victories—helping first responders pay off debt, retire with confidence, and break destructive financial cycles for good.   If this episode resonated with you or if you have stories to share about living with a first responder, reach out to Ashlee and Jennifer on their social media platforms!   Thank you for tuning in! Don't forget to subscribe, rate, and review "When The Call Hits Home" on your favorite podcast platforms!   Follow Us: - Facebook: When The Call Hits Home Podcast - Instagram: @whenthecallhitshome - Whenthecallhitshome.com --- This podcast does not contain medical / health advice. It is not intended to be a substitute for professional medical or mental health advice, diagnosis or treatment and should not be relied on as health or personal advice. The information contained in this podcast is for general information purposes only. The information is provided by Training Velocity LLC and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the Podcast or the information, products, services, or related graphics contained in the podcast for any purpose. Any reliance you place on such information is strictly at your own risk.  WE ARE NOT RESPONSIBLE NOR LIABLE FOR ANY ADVICE, COURSE OF TREATMENT, DIAGNOSIS OR ANY OTHER INFORMATION, SERVICES OR PRODUCTS THAT YOU OBTAIN THROUGH THIS PODCAST.  Always seek the advice of your physician or other qualified health care provider with any questions you may have regarding a medical condition or treatment and before undertaking a new health care regimen, and never disregard professional medical advice or delay in seeking it because of something you have heard on this podcast.

Charisse explores what may be the most important factor for you to have the retirement you’re dreaming of. Like this episode? Hit that Follow button and never miss an episode!

Bernie goes big and introduces the Pensions for All Act. Republicans are working hard to block it. Cult Alert! Trump cult followers dismiss Epstein files because it's "human nature" to molest children. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

There are a record number of people turning 65 this year and they are wondering if they are ready to retire. Charisse goes through her list to give you the green light. Like this episode? Hit that Follow button and never miss an episode!

In this week's Money and Markets podcast, Tom Sieber and Charlene Young discuss the latest twist in the tariffs saga as the US and Japan announce a deal and explore the early results from the US earnings season, with updates from JPMorgan, Citi, Coca-Cola and Netflix [04:04].   They also look ahead to what investors can expect from the big tech names due to report next week, including Microsoft, Apple, Amazon and Meta [10:12].  They also discuss a major proposal from the London Stock Exchange to introduce 24-hour trading and what that could mean for retail investors [12:20] and there's boardroom news at BP as the energy giant appoints a new chair [14:04].  Back in the UK, the government has announced the final proposals around pensions and inheritance tax [16:08], and the State Pension age is also under review again [24:02].  This week's episode also features two interviews: Martin Gamble speaks to Jacopo di Nardo from Latitude Investment Management about Diageo and the impact of the recent CEO departure [27:27], and Dan Coatsworth talks to Schroder Asia Pacific portfolio manager Abbas Barkhordar about the vibe in Asia around those US tariffs [40:44].  Finally, with summer holidays in full swing, Tom and Charlene look at a story involving Ryanair, oversized luggage, and a rather inventive employee bonus scheme [51:47].  Note: The podcast is taking a short summer break and will return in early September. 

In our latest edition of  Pensions in a pod UK, Emma King is joined by Simon Daniel and Jen Green to what the reforms contained in the Pension Schemes Bill are likely to mean for hybrid schemes.

Is the UK heading for a fiscal crisis? Or can policymakers still steer the public finances back to a sustainable path?The Office for Budget Responsibility's latest Fiscal Risks and Sustainability report warns that, without action, UK government debt could climb above 270% of GDP by the 2070s - driven by rising borrowing, an ageing population, and the fiscal impacts of climate change.In this episode of IFS Zooms In, Helen Miller (Director, Institute for Fiscal Studies) is joined by Richard Hughes (Chair, OBR) and Ben Zaranko (Associate Director, IFS) to explore the forces shaping the long-term outlook for the public finances, the 50 risks highlighted by the OBR, and what can be done now to avoid a crisis later.Become a member: https://ifs.org.uk/individual-membershipFind out more: https://ifs.org.uk/podcasts-explainers-and-calculators/podcasts Hosted on Acast. See acast.com/privacy for more information.

PREVIEW: UK TAXES Colleague Joseph Sternberg comments on the Labour government's plan to raise taxes, including a tax on pensions—living or not. [MORE] 1653 REGICIDE

The aim of the government's Access to Work scheme is to provide support for disabled people to get into and stay within employment. It can provide support with things like specialist equipment, support workers and transport to and from work. But over the past few months, there have been rumours circulating that there are proposed cuts to parts of the scheme which is causing uncertainty amongst disabled people. In Touch attempts to dig a little deeper into what could be happening to the scheme. The Work and Pensions committee is calling for disabled people's experiences of seeking employment and support into work. If you would like to submit your experiences, you can do so via the committee's online form: https://committees.parliament.uk/work/9270/employment-support-for-disabled-people/ or call 020 7219 8976.Presenter: Peter White Producer: Beth Hemmings Production Coordinator: Liz Poole Website image description: Peter White sits smiling in the centre of the image and he is wearing a dark green jumper. Above Peter's head is the BBC logo (three separate 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 of a white circle). The background is a bright mid-blue with two rectangles angled diagonally to the right. Both are behind Peter, one is a darker blue and the other is a lighter blue.

For this week's Ask the Expert, Andrea is joined by Paul Kenny, Ireland's former Pensions Ombudsman and Course Leader with the Retirement Planning Council of Ireland to answer all of your pension questions!

Is the Epstein story a distraction from the real issues and the oligarchy's move to end Trump?. Sanders proposes 'Pensions for All' as Trump aims to open 401(k)s to private equity vultures.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

Can a pilot really be the change-maker who helps us to holiday nearer home? Why aren't governments and institutions doing more to help climate activists? And can climate progress happen without sacrificing prosperity, especially in countries like Brazil?Christiana Figueres, Paul Dickinson and guest host Fiona McRaith (Director of The Climate Pledge at Global Optimism) are back with more of the knottiest and most urgent questions you've ever sent us.Plus: are the world's biggest financial institutions abandoning climate action? Sue Reid (Climate Finance Advisor at Global Optimism) explains how banks and insurers are reacting to political pressure, why some net zero alliances appear to be fracturing, and why “green hushing” doesn't mean giving up entirely.And: from climate visas to sponge cities, adaptation is finally rising on the global agenda - but is it fast or fair enough? Irene Suárez Pérez (Senior Advisor to Groundswell) walks us through some of the global hotspots of climate resilience, and why adaptation isn't a consolation prize.Learn more Listen back to episodes referenced in this Q&A, including:⏳ Momentum vs Perfection, where Fiona joins Tom to explore different theories of change within the climate movement.

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions! They talk about relying on pensions during retirement, investing throughout college, mortgages in Australia, accessing investments before 59.5 years of age, when it's appropriate to begin talking about money with your partner, saving for a down payment for a new duplex, and driving Uber full-time to fund an IUL. ---

In recent memory, the story of Waspi women has brought into sharp focus the issues surrounding women and their pensions. With many women spending some time out of full-time employment for a variety of reasons, but most notably due to childcare, pensions contributions are often neglected but vitally important to financial security in later life. In this episode of Women and Wealth, the video podcast series from Investors' Chronicle, we look at the topic.Personal finance editor, Val Cipriani and digital production journalist, Madelaine Apthorpe discuss the topic that feels far away but should be in any young woman's thoughts as they enter the workforce. The Pensions and Lifetime Savings Association estimates that in order to retire on a moderate standard, not even a comfortable one, you need £31k a year if you are single and almost £22k each as a couple. This assumes you have already paid off your mortgage by the time you retire and it's after tax. Scarily, AJ Bell calculated that that is the equivalent of a pension pot worth £490,000 for a single person, or a combined £515,000 for a couple.That's why in this episode, Val and Madi look at ways to maximise your pension pot. They discuss how your employer can help with pension contributions and what you should be doing to boost your retirement income now. Val also answers our reader's question on how you can invest your pension and make sure it's managed correctly. Val explains time horizons, decoding your pension statements and ways to benchmark performance.Women and Wealth is a six part podcast series from Investors' Chronicle. You can listen and watch the episodes, alongside our other podcasts, on Apple, Spotify and YouTube.You can also find out more about pension planning with Investors' Chronicle pensions masterclass series. Hosted on Acast. See acast.com/privacy for more information.

C'est la question du jour du Figaro !Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

durée : 00:41:43 - Le Débat de midi - par : Camille Crosnier, Thomas CHAUVINEAU - 64 milliards d'euros alloués à la défense. C'est ce que souhaite le président de la République d'ici 2027. Mais alors que les finances publiques dérapent, faut-il sabrer les dépenses sociales pour réarmer la France ? Jusqu'où se serrer la ceinture ? On en débat. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

C'est l'un des chapitres les plus sombres de l'histoire irlandaise : le scandale des foyers pour mères et bébés. Pendant des décennies, en Irlande, des milliers de femmes tombées enceintes hors mariage ont été internées de force dans des institutions dirigées par l'Église catholique. Beaucoup de leurs enfants n'ont pas survécu et ont été enterrés en secret. À Tuam, dans l'ouest du pays, sur le site désormais tristement célèbre de l'un de ces foyers, les premières exhumations débutent ce mardi 15 juillet 2025.   À lire aussiIrlande: des experts vont exhumer les restes de 796 enfants morts dans des foyers religieux pour mères célibataires

Connect with Onramp // Onramp Terminal // Bitcoin Policy Institute // Zack Shapiro on X // Zack Cohen on X // State-Level SBR ToolkitThe Last Trade: a weekly, bitcoin-native podcast covering the intersection of bitcoin, tech, & finance on a macro scale. Hosted by Jackson Mikalic, Michael Tanguma, & Brian Cubellis. Join us as we dive into what bitcoin means for how individuals & institutions save, invest, & propagate their purchasing power through time. It's not just another asset...in the digital age, it's The Last Trade that investors will ever need to make.00:00:00 – Intro + Why This Episode Matters00:02:42 – BPI's Strategic Reserve Toolkit: Origin Story00:05:05 – Toolkit Design Philosophy: Modular, Open Source, Comprehensive00:07:05 – Why States (Not Just Feds) Should Lead00:09:14 – Execution Challenges: Buying, Custody, and Governance00:16:15 – The Case for Multi-Institution Custody00:19:05 – Custody Standards, QCs, and Onramp's Role00:25:30 – How States Can Actually Buy Bitcoin00:29:15 – Funding Sources: Taxes, Pensions, Bit Bonds00:35:15 – Toolkit as an Educational Resource00:54:15 – Bitcoin Opportunity Zones & Energy Development00:57:45 – Property Rights & Custody Protections01:01:45 – Why Self-Custody Is Non-Negotiable01:05:45 – Toolkit Implementation & State-Level Game Theory01:10:15 – Federal Landscape: Clarity Act, Bitcoin Act, Executive Path01:14:15 – Macro Backdrop: Debt Spiral & Fiscal Dominance01:21:37 – Outro + Where to Find the ToolkitPlease subscribe to Onramp Media channels and sign up for weekly Research & Analysis to get access to the best content in the ecosystem weekly.

The pressure on asset owners is mounting, but so is their influence.   With shifting regulations, growing data demands, and interest in alternatives, institutional investors across EMEA are being pushed to rethink their strategies from the ground up. In this episode, host Paul Fahey chats with Mark Austin, Pensions and Insurance Executive, EMEA at Northern Trust, … Read More Read More

On this episode of Your Retirement Radio Podcast, Kevin discusses the implications of potential tax changes on Social Security, the resilience of the economy amidst market volatility, and the importance of understanding investment risks in retirement. The conversation also covers the transition from traditional pensions to 401(k) plans and emphasizes the need for a sustainable retirement income strategy. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

In this special AMA Mailbag episode, Jean sits down with two thoughtful guests navigating how to prepare for the future as single moms. First up is Rebecca, a mom of two in Oregon, about 15 years out from retirement. She's wondering if she's doing enough to get there. Then we hear from Sarah, a mom in Virginia with a big question: If something happens to her, how can she ensure her assets go directly to her daughter, not her ex? 

Just after the clock struck midnight in Westminster all of the rumours and rumblings around the government's welfare reform plans to save £5bn came to a head as Work and Pensions Secretary, Liz Kendall, released a letter to MPs outlining a series of concessions to the plans. They include making no changes to existing deals people have and disability co-production, which means inviting disability organisations to the table to help shape some of the reforms, going forward. So, have the changes pleased everyone? Mikey Erhardt, from Disability Rights UK and Labour MP Ian Byrne give their take on what the concessions mean. And we hear from Minister for Work and Pensions, Liz Kendall. Presented by Emma Tracey Producer: Alex Collins Series producer: Beth Rose Editor: Damon Rose Sound design and mixed by Dave O'Neill

France’s efforts to reform its pension scheme remain at a standstill.See omnystudio.com/listener for privacy information.

With £31 billion in lost or unclaimed pensions in the UK, Martin tells you how to find your old pensions - which could be worth £10,000s! Plus, Martin's top holiday money need-to-knows to help you stop paying when you spend abroad and get the most bang for your (Vietnamese) dong. And you tell us the worst financial advice you were given by your parents and grandparents.

If you're an expat of means in America and you don't have a good cross-border team around you - financial, tax, and estate – there's a high chance you're in non-compliance. That's especially true with UK pension holders in the US. This week's Ask An Expert is with Holly Caulder, partner at Buzzacott. Holly specialises in planning and advice solutions for US residents with non-US pensions, shareholders of controlled foreign corporations and beneficiaries of non-US trusts. If this is you, you won't want to miss this episode. The potential landmines are significant, so you'll hear how Holly and Richard would advise you to:Report UK Pensions Correctly in the US If you have a UK pension, it must be reported on key US tax forms like the FBAR and Form 8938, even if it's inactive and no new contributions are being made. Holly stresses that failing to do this can lead to serious IRS penalties.Use the US-UK Tax Treaty to Your Advantage The US-UK tax treaty can help reduce your tax bill. Filing Form 8833 lets you claim treaty benefits, such as excluding UK pension growth from US tax. Richard points out that doing this every year can save money and avoid trouble.Plan Pension Moves Carefully Thinking about rolling over your pension or taking a distribution (e.g. transferring to a SIPP)? Talk to a tax advisor first. Holly notes that claiming treaty exemptions early and knowing state tax rules (like in California vs. New York) can prevent surprise taxes. Get advice before making any moves to stay compliant and minimise tax.If you're enjoying the show, please follow it wherever you're listening to it now, and consider leaving a 5 star rating and review to help the mission, which is to help expats and immigrants thrive in America. Visit planfirstwealth.com to learn more about our services and connect with Richard Taylor on LinkedIn.We're the Brits in America is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas.

Johannes Reck is the Founder and CEO of GetYourGuide, the $2BN company that started with a holiday to China and nothing to do. For the first two years, GetYourGuide received only 5 bookings. Today the platform does 33,000 per day and is worth $2BN. They have raised from some of the best, including an amazing story with Masa Son and Softbank.  In Today's Episode We Discuss: 01:45 – “I Regret Our Series A — Too Much Dilution” 03:50 – US vs Europe: Why European Founders Are Tougher 06:10 – “Germany Spends €100B on Pensions, €7B on VC – It's Insane” 08:40 – Why Europe Fails to Build $10B Startups 10:25 – 90% of Our Team in Berlin Aren't German. Here's Why. 12:20 – Recruiting Netflix's Head of Growth Nearly Killed Me 16:20 – “We Had 5 Bookings in 2 Years. 3 Were My Mum.” 18:00 – “I Asked My Parents to Remortgage Their House for a Pivot” 21:15 – The Vatican Tour That Changed Everything 23:30 – Why VCs Rejected GetYourGuide 100+ Times 28:30 – The $14M Series A That Nearly Killed the Company 31:00 – “I Hired All the Wrong People – Then Laid Off 30%” 36:30 – The $450M SoftBank Deal... Then COVID Hit 40:00 – “We Went to $0 in Revenue in 3 Weeks” 42:10 – The Sequoia Tree Mindset: Grow Through Fire 49:30 – What SoftBank's Masa Son Was Really Like in Person 52:00 – How He Thinks About Secondary, Wealth, and Not Losing His Soul 55:30 – “My Worst Hires Came from Listening to VCs Too Much” 58:30 – Angel Investing in Trade Republic and TravelPerk: My Lessons 01:01:00 – Do You Have to Work 7 Days a Week to Win?  

Pensions can provide a valuable source of retirement income, but deciding whether to stick with a job solely for the pension is more complex than it may seem. In this episode of A Wiser Retirement® Podcast, we give a breakdown of the key benefits and trade-offs of relying on a pension, and how to assess whether it's the right move for your financial future.Related Podcast Episodes:- Ep 137: Financial Planning in Your 50s Related YouTube Videos:- How Much is Social Security Reduced if I Have a Pension?- What's the difference between pensions and IRAs?Learn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

Neil dives into the often-overlooked topic of pensions, challenging the notion that they are boring. Drawing from his 26 years of experience in the tutoring and business world, Neil discusses the importance of taking control of your retirement funds and explores two key pension options for tutors: the Self-Invested Personal Pension (SIP) and the Small Self-Administered Scheme (SAS). He highlights the benefits and drawbacks of each, emphasising the potential for tax efficiency and investment flexibility. KEY TAKEAWAYS Understanding Pensions: Pensions are not boring; they can be exciting and dynamic financial tools that can significantly impact your retirement savings and tax efficiency. Types of Pensions: There are two main types of pensions discussed: Self-Invested Personal Pensions (SIPs) for sole traders and partnerships, and Small Self-Administered Schemes (SAS) for company directors and family businesses. Tax Benefits: Contributions to both SIPs and SASs can provide tax relief, allowing individuals to save on taxes while building their retirement funds. For example, basic rate taxpayers can receive a 20% contribution from the government for their SIPs. Control and Flexibility: SIPs offer a simpler structure with less control over investments, while SASs provide greater flexibility and control, allowing members to lend money back to their businesses and invest in commercial properties. Importance of Compliance: SAS schemes require careful administration and compliance with regulations, which can be complex and costly. It's essential to ensure that the scheme remains compliant to avoid losing tax benefits. BEST MOMENTS "If you want to stop me teaching, you're going to need a .357 and get at least three good shots in." "Pensions are not boring. They're exciting and dynamic. They're lovely." "If you haven't already done so, go online and search for your own forgotten pension." "The contributions into the SAS are a business expense, thus reducing profits and your corporation tax liability." "Just having that think could be worth tens or even hundreds of thousands of pounds to you." VALUABLE RESOURCES www.Neilcowmeadow.com info@neilcowmeadow.com HOST BIO Neil Cowmeadow is a maverick peripatetic guitar teacher from Telford with over 19 years' experience in the business of helping people. Learn how to start, grow and love your business with Neil's invaluable advice and tips without the buzzwords and BS! This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

In this interview, Kevin Whelan and Manish Kataria delve into the intricacies of SSAS pension, exploring how it can serve as a powerful financial tool for business owners. They discuss the importance of taking action in financial planning, the benefits of collaboration in wealth building, and the implications of inheritance tax on financial strategies. The conversation emphasises the need for financial education and the potential of SSAS pensions to create wealth now, rather than just serving as a retirement fund. In this episode, Kevin speaks about the importance of recurring income, effective financial planning, and the significance of protecting wealth through wills and insurance.  Key Takeaways:Momentum is Better than Meditation: Don't wait for the perfect time—take small actions now to build confidence and results.Nobody Will Ever Care About Your Money More Than You: Taking personal responsibility is at the heart of successful wealth-building.SSAS Pensions Offer Unique Control and Flexibility: Ideal for business owners looking to invest in property, business, or even lend to their own company.Keep It Simple: Simplicity in your finances and investment strategy often leads to better results than chasing complexity.Plan for Both Wealth Creation and Protection: Wills, powers of attorney, and insurance are essential tools for safeguarding your family's future.Focus on Recurring Income: Building assets that pay you every month is the key to long-term financial independence. Resources Mentioned In This Episode:Manish Kataria (LinkedIn)Government Pension Tracing Service (for lost pensions)Connect with WealthBuildersListen on Spotify, Apple Podcasts, YouTube, and all major platforms.For more inspiring stories and actionable tips, subscribe to Wealth Talk and leave us a review!Next Steps On Your WealthBuilding Journey: Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!If you enjoyed this episode, please rate and review WealthTalk on your favourite podcast platform.

Welcome to the ENT!Join this conversation with financial advisor, Chad Harmon, partner with A&I Wealth Management. Learn about what it takes to be successful in business, a few personal stories, and a great introduction to a key person in the A&I team. Learn about the culture here, and how the firm we attract talented young talent. What are the key values that determine the goals? How can our listeners deliver this in their own firms? Future workforce, learn about what we see in the future for the industry, the profession, the markets and more. Finally, what is the big financial mistake and how can we avoid it?——As a quick reminder, the Expert Network Team provides free consultations. We would love the opportunity to be of service to you or someone you care about. Just scroll the liner notes to contact one of our experts or today's guest. And please share this podcast with anyone who you think might find it interesting.As always, it is good to have an expert on your side.— Our guest:Chad HarmonPartner, A&I Wealth Management(303) 690.5070chad@assetsandincome.com Expert Network team provides free consultations. Just mention that you listened to the podcast. Nathan Merrill, attorneyWorking with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservationGoodspeed, Merrill(720) 473-7644nmerrill@goodspeedmerrill.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com Webcasts, Podcasts, Streaming Video, Streaming AudioA&I webcasts, podcasts, streaming video, or streaming audios are provided free of charge solely for use by individuals for personal, noncommercial uses, and may be downloaded for such uses only, provided that the content is not edited or modified in any way and provided that all copyright and other notices are not erased or deleted.All webcasts, podcasts, streaming video, or streaming audios are subject to and protected by U.S. and international copyright laws and may not be sold, edited, modified, used to create new works, redistributed or used for the purpose of promoting, advertising, endorsing or implying a connection with A&I.A&I reserves the right, at any time and for any reason, to stop offering webcasts, podcasts, streaming video, or streaming audios and to stop access to or use of webcasts, podcasts, streaming video, or streaming audio and any content contained therein A&I shall not be liable for any loss or damage suffered as a result of, or connected with, the downloading or use of the webcasts, podcasts, streaming video, or streaming audios. A&I Wealth Management is a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.The information presented is believed to be current. It should not be viewed as personalized investment advice. All expressions of opinion reflect the judgment of the presenter on the date of the podcast and are subject to change. The information presented is not an offer to buy or sell, or a solicitation of any offer to buy or sell, any of the securities discussed. You should consult with a professional adviser before implementing any of the strategies discussed. Any legal or tax information provided in this podcast is general in nature. Always consult an attorney or tax professional regarding your specific legal or tax situation.

It's time for another Listener Questions session! This week we cover commercial property in pensions, ethical investing, inherited pensions and so much more. Shownotes: https://meaningfulmoney.tv/QA16    01:02  Question 1 Hi Peter / Roger, Many thanks for all the wisdom plus superb book, you two really make my week with the banter. I always hear about DB and DC pensions but wondered if you'd ever cover the following: Many business owners like myself own buildings outright (as a pension) within a Commercial Sipp and then loop back into this rental payments. Also, within this using a GIA for diversified investments including cash lump sums for tax relief when possible. I'm heading North of sixty soon and feel its time to start thinking of the exit plus implications. It would be fantastic to hear your advice on these in the future. Best Regards, Steve 05:47  Question 2 Hello Pete Can ethical investing beat inflation? Myself and my husband are both 63.  We retired at the end of last year, having sold the business we have run for the majority of our working lives. We have some small DC pensions and a SSAS which includes a commercial property.  We both have cash ISAs. I've done some research, helped massively by your podcasts and YouTube videos, so thank you so much for these. From what I have learned I understand that  we need to invest the cash from the business sale in Global Equities.  We also need to look at the investments within the SSAS which, up to now, the SSAS provider has managed.  Cash in the SSAS also needs to be invested. Is there a way of picking a Global Index Tracker which is ethical and will beat inflation and that requires minimal management to keep fees low?  I realise that we need to look at our cash accounts too with this in mind. Many thanks for all your excellent resources and advice, the fog of financial planning is starting to clear and I'm feeling less panicked about being able to manage the money for our future. Kind regards, Rachel 12:52  Question 3 Dear Pete and Rog, Your podcasts have been a real source of steadiness for me over the past few years - a pair of reliable voices amidst the wider financial chaos. I'm writing with a question about nominee (beneficiary) pensions. Sadly, my father passed away recently, and I've inherited half of his private pension pot - around £70k from a total of £140k. It's been set up as a nominee pension, which I understand allows the money to remain invested and grow tax-free, with flexible access at any age. This has been a significant and unexpected legacy, and it's opened up the possibility of scaling back to part-time work well before the official retirement age. (I'm in my late 30s, so there's still a way to go, but it's a big deal for me and brings more options for me) I don't plan to draw from the pot for many years. My intention is to let it grow. The catch, however, is that the provider, without naming names, (let's just say three letters, last one P), is expensive compared to what I'm used to (I invest monthly in a Vanguard LifeStrategy ISA). When I've done some projections I can see that if leave the money where it is indefinitely, the fees will quietly erode a decent chunk of the long-term gains. There's a 6-year early exit charge, so for now I'm content to leave it be. I'm still dealing with bereavement and all the admin of being an executor, so pressing pause on any big financial decisions feels like the right call at this early stage. But when that 6-year period ends, I'll be weighing up whether to stick or twist. My question is: can nominee pensions be transferred to another provider without losing the key benefits, like the tax-free growth and the ability to access the funds flexibly before retirement age? I've looked into alternatives- transferring into my ISA would take years due to the annual limit; a general investment account loses the tax perks; and a conventional pension would lock the funds away until age 55+, which undermines the very flexibility that makes this pot so helpful for future semi-retirement plans. I'd be really grateful for any ideas or thoughts you might have on this. All the best, Alan 19:29  Question 4 Hi guys, I am 31 years old and currently investing 15% of my gross income into my retirement. 6.8% via my employer's DB CARE scheme, and the other 8.2% into my SIPP. My wife and I also contribute £200pm  into a S&S ISA for our son. We hope by the time he is 18 (3 months old now) this fund could pay for university, travel, driving - whatever he wants to do (within reason!). By age 60, I would like to be in a position to retire, whether I do that or not is another question, but I would at least like the option to. I often see YouTube videos titled "SIPP vs ISA which is better?" but I don't see much about how to use them in tandem. Do you have any advice on the optimal weighting between an ISA and SIPP given I'd like to retire before State/DB pension age and therefore, should I be splitting the 8.2% with a S&S ISA too? Thank you! John 24:08  Question 5 Hi Pete & Roger, I'm a big fan of the podcast, it's been a great source of advice for me - thanks for that. I'm currently 55 and probably not looking to draw down anything from my pension until I'm 60 at the earliest. I hadn't paid into my pension for a number of years and now trying to contribute as much as I can to catch up a bit. My main SIPP is £130,000 with Vanguard in a FTSE Global All Cap Index Accumulation Fund and is 100% equity as I'm looking for as much growth as possible over the next 5-10 years and beyond. I also have £25k in another SIPP, a small NEST workplace pension and approximately £60k in a Stocks & Shares ISA, all of which are in various global tracker funds. My main question is, is it a good idea to have everything in global index funds because of the heavy weighting to the USA, especially in tech stocks? I had considered changing my Vanguard fund to their LifeStrategy 100 fund which has a bit more of a UK weighting. I know you probably can't suggest specific products, but I wondered what your general advice would be on this, especially with all the uncertainty in the USA under the Trump administration? Thanks in advance, Alex Wilson 30:29  Question 6 Hi Pete and Rog, Love the podcast and I've been listening for a good few years now, so I thought I'd throw my hat into the ring with a question. I was hoping you could give a quick overview of Qualifying Corporate Bonds, what characteristics the bonds need to have to qualify, what the tax treatment is and where to invest etc. I'm in the fortunate position of having made my contributions in full to my ISAs and Pensions and I'm looking for a tax efficient way to invest an extra few £s. I've heard that they are effectively treated like Gilts but was hoping you could illuminate. Thanka, Adam from Skipton, North Yorkshire

Did you know that the first bacteria we encounter as newborns could shape our health for life? Or that retired police dogs in the UK might soon receive pensions? Welcome back to Adept English, the podcast https://open.spotify.com/show/7ixeOS7ezPTZSaISIx2TTw where you learn English through fascinating, real-world stories—from global news to wildlife conservation and scientific breakthroughs.Today's episode is a slow news special, four bite-sized stories in under 13 minutes, perfect for practising your listening https://adeptenglish.com/english/listening/ skills and expanding your English vocabulary. We'll cover everything from groundbreaking research on babies' microbiomes to an elephant in Thailand who ‘raided' a shop like a midnight snack enthusiast."Learning another language is not only learning different words for the same things, but learning another way to think about things." Flora LewisImprove your English with our podcast subscription! Every month, for less than your daily coffee, you get 8 new premium episodes designed to strengthen your listening skills with real-world language examples.

Joshua Brooks founded Exponential Advisors and is an Army Reserve Chaplain with nearly 20 years of distinguished service. Drawing on his military discipline, faith-based principles, and expertise in cuttingedge financial strategies like Bitcoin and AI, Joshua empowers families and organizations to achieve financial security and growth. #cryptop #blockchain #Ai================All Episodes can be found at www.thecryptopodcast.org All about Roy / Brain Gym & Virtual Assistants athttps://roycoughlan.com/------------------About my Guest Joshua Brooks:Joshua Brooks founded Exponential Advisors and is an Army Reserve Chaplain with nearly 20 years of distinguished service. Drawing on his military discipline, faith-based principles, and expertise in cuttingedge financial strategies like Bitcoin and AI, Joshua empowers families and organizations to achieve financial security and growth. With a mission to impact 250 clients over the next decade, he deliver stransparent, values-driven financial planning that fosters lasting change. Joshua's approach is grounded in humility, integrity, and the belief that sound financial planning is essential for everyone.What we Discussed: 00:18 Who is Joshua Brooks02:20 What is a Military Chaplain03:10 Joshua's Blockchain Journey04:40 Who Does he think Created Bitcoin05:50 His Exchange & Wallet Recommendations08:00 Are Filidety Involved in Blockchain09:45 My Thought on Blackrock and Larry Fink11:45 Market Manipulation13:20 How he uses Ai with the Business15:10 The jobs being lost with AI and Robiotics18:40 Why Universal Income Sacres me19:20 How Ai can be used for the Betterment of mankind21:10 We are Fighting Our Own Battles22:05 The Raplin Chaplain23:40 His Psychedelic Retreat 26:00 You do not going back after a Transformation27:45 Should a President be able to Create a Meme Coin29:15 How he got Scammed on Discord31:30 Lots of my guests got Scammed 33:10 How to Protect our Investments34:20 What to think when told a Person is a Financial Advisor37:40 Pensions are Taxable38:40 Army Veterans Pensions41:50 How often do they meet Clients as a Planner44:30 Teaching People not to Panic with Flucations47:40 Blackrock and Real Estate Investing51:25 Blockchain Mining Vs Electricity Cost55:40 The Different Times with Snow melted on roofs56:00 Ability to deal with International ClientsHow to Contact Joshua Brookshttps://www.exponentialadvisors.net/LinkedIn: www.linkedin.com/in/joshuabrooks1Substack: https://substack.com/@joshuabarrettbrooksX: @brookstweet2Instagram: https://www.instagram.com/brooksshot/------------------All about Roy / Brain Gym & Virtual Assistants at ⁠https://roycoughlan.com/⁠___________________

Caleb O. Brown hosted the Cato Daily Podcast for nearly 18 years, producing well over 4000 episodes. He has gone on to head Kentucky's Bluegrass Institute. This is one among the best episodes produced in his tenure, selected by the host and listeners.“Denial” is the single word that the Reason Foundation's Peter Constant uses to describe the attitude many state governments have taken toward pension finance problems. Hosted on Acast. See acast.com/privacy for more information.

Senator Josh Hawley (R-MO), who serves on the Senate Committees on the Judiciary; Homeland Security and Governmental Affairs; Health, Education, Labor, and Pensions; and Small Business and Entrepreneurship, joined The Guy Benson Show today to discuss the tragic murder of two Israeli embassy workers in Washington, D.C. by a pro-Hamas protester. He condemned the lack of response from Democrats like Ilhan Omar, calling out what he sees as a disturbing silence in the face of antisemitic violence. Hawley also weighed in on the passage of Trump's "Big Beautiful Bill," praising the widespread tax relief it delivers and outlining how he believes federal spending can still be cut without sacrificing Medicaid for truly struggling Americans. Listen to the full interview below! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Storm Rundd, President of Oklahoma Bitcoin Association, discusses the status of state Bitcoin strategic reserve bills, legislative processes, funding sources, and opportunity costs. The conversation also covers vibe coding and AI's impact on future business models.You're listening to Bitcoin Season 2. Subscribe to the newsletter, trusted by over 7,000 Bitcoiners: https://newsletter.blockspacemedia.comStorm Rund, President of the Oklahoma Bitcoin Association, joins us to discuss the state of Bitcoin Strategic Reserve bills across the US. Storm breaks down the complex legislative process, explains why many bills fail despite strong support, and compares treasurer vs. pension fund approaches. He introduces the opportunity cost tracker that shows how much money states have lost by rejecting Bitcoin. The conversation concludes with insights on vibe coding, AI productivity, and how these technologies will reshape business models.Follow our guests: @Storm_R0Notes:- Over half of US states have proposed SBR bills- Oklahoma SBR bill passed 77-15 then died in committee- Pension funds typically 4x larger than state funds- 5% Bitcoin allocation = $500M opportunity cost- Montana SBR had $50M cap with specific fund source- AI changing labor market in big tech companiesTimestamps:00:00 Start01:31 Current Bitcoin Reserve landscape03:31 Bill process07:05 Oklahoma example11:53 Funding these state SBRs12:43 Bill design matters17:55 Bill funding19:54 Treasury vs Pension funds27:03 Crafting better bills33:53 Opportunity cost tool43:50 Vibe coding49:07 AI changing business-