Podcasts about pensions

On this episode of the VOSD Podcast, host Scott Lewis sits down with Michael Zucchet, General Manager of the San Diego Municipal Employees Association, to unpack the city's decades-long pension underfunding problem, the failed 2024 sales tax measure, and a heated debate over whether San Diego's workforce is actually bloated — as right-leaning critics claim — or stretched thin by hundreds of new parks and services added since 2015. 0:00 Intro1:10 The City's Pension Underfunding History5:25 Revenue Measures: Trash Fee & Hotel Tax7:57 Sales Tax Attempts & the 2024 Measure11:25 Debating the City's Workforce Size15:50 Budget Cuts in the "Era of Austerity"24:15 Clarifying What Layoffs Really Mean27:20 The City's Reactive Budget Cycle30:31 New Revenue Ideas & Rollout Growing Pains35:46 Labor Costs, Pensions & Wages43:58 The "Lid Lifters" Trash Bin Controversy47:10 New Parks Without New Staff50:24 Port Commission & Harbor Island52:58 Closing & CreditsSee omnystudio.com/listener for privacy information.

What if that old pension you barely think about is secretly one of the most valuable assets in your retirement plan? Bill and Jackie welcome back financial planner and educator, Andy Panko for a deep dive into the increasingly rare (but far from extinct) world of pensions. They explore plans from private and government employers and why a seemingly small monthly check can dramatically change the work the rest of your portfolio has to do. This episode covers Why pensions are less common but still relevant to millions of workers What it actually means when an employer "freezes" a pension How to think about a pension as part of your overall retirement portfolio The risks behind private, federal, state, and municipal pension promises Lump sum versus lifetime monthly payments and the trade-offs of each Single-life, joint-and-survivor, period-certain, and inflation-adjusted pension options Why guaranteed income can give retirees psychological permission to spend When comparing an employer pension with a commercial income annuity may make sense  Andy's four-question framework for deciding whether lifetime payments fit your plan Jackie's pension options and her final decision to turn on lifetime monthly payments Where to find old or forgotten pensions from previous employers . === SUPPORT  THE  SHOW ===

The chairman of the Senate Committee on Health, Education, Labor and Pensions is investigating reports that a union representing roughly 600,000 workers is pushing to advance the interests of the Cuban regime. The committee is demanding information from the International Association of Machinists (IAM) about its possible links to the Cuban government. A report claims that IAM has traveled to Cuba, taken policy positions aligned with the regime, and union members have been addressed by a Cuban diplomat at a local union hall. FOX's Eben Brown speaks with Christine Balling, Senior Vice President & Adjunct Professor at The Institute of World Politics, who says its an influence campaign to sway American voters to support the foreign policy goals of a country hostile to the U.S. Click Here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

Now that budget season is over, NYC Comptroller Mark Levine offers his view on the health of the city's finances, plus talks about his view on the housing affordability crisis, the city's pension fund and more. New York City Comptroller Mark Levine speaks during the annual New York State Financial Control Board meeting on August 12, 2026 in New York City. Levine was joined by New York Gov. Kathy Hochul, New York City Mayor Zohran Mamdani, State Comptroller Thomas Dinapoli and other board members as they discussed the state's budget. (Photo by Michael M. Santiago/Getty Images) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Avec : Jean-Philippe Doux, journaliste et libraire. Baptiste des Monstiers, grand reporter en reconversion dans le paysagisme. Et Yaël Mellul, ancienne avocate. - Accompagné de Clément Gwizdz et sa bande, Charles Magnien s'invite à la table des français pour traiter des sujets qui font leur quotidien. Société, conso, actualité, débats, coup de gueule, coups de cœurs… En simultané sur RMC Story.

Avec : Jean-Philippe Doux, journaliste et libraire. Baptiste des Monstiers, grand reporter en reconversion dans le paysagisme. Et Yaël Mellul, ancienne avocate. - Accompagné de Clément Gwizdz et sa bande, Charles Magnien s'invite à la table des français pour traiter des sujets qui font leur quotidien. Société, conso, actualité, débats, coup de gueule, coups de cœurs… En simultané sur RMC Story.

Urgent action is needed to help people in their sixties on low incomes who face a delay of up to a year before they can claim their State Pension. That is the main recommendation of a new report from the Work and Pensions Committee. Pension age rises over the next two years from 66 to 67 and the committee of MPs fears some of the people affected by that delay face poverty unless the benefit rules are changed to give them more money. The Department for Work and Pensions says in February, 0.02% of the Universal Credit caseload was aged 65 or 66. It also welcomed the report saying it will consider the recommendations in due course. There's growing concern in the housing industry over the rise in a practice known as “gazundering”. It's when people selling homes are told by buyers just days before exchanging, that they must drop the agreed price by thousands of pounds or risk losing the deal. The Conveyancing Association says it's a growing problem and is urging the government to implement reforms which would stop the practice “without delay”. The government says it's stopping gazundering by introducing "legally binding agreements that prevent buyers from walking away at the last minute without a valid reason, with fines for those who do."Money Box has found that a grant which can be used to install a heating system than can also act as air conditioning is not up and running, despite being announced in November. We'll investigate why.Presenter: Paul Lewis Reporters: Dan Whitworth, Jo Krasner and Niamh McDermott Editor: Jess Quayle Senior News Editor: Sara WadesonPhoto Credit: Witthaya Prasongsin via Getty Images(First broadcast 12pm Saturday 18th July 2026)

TOPIC: Labor Issues PANEL: Marick Masters, Wayne State University; Kalea Hall, Reuters; Gary Vasilash, shinymetalboxes.net; John McElroy, Autoline.tv

A 10h, ce mercredi 12 août 2026, les GG : Laura Warton Martinez, sophrologue, Abel Boyi, éducateur, et Antoine Diers, consultant, débattent de : Retraites, faut-il geler les pensions les plus élevées ?

Former RMIT University professor of public policy David Hayward told Tom Elliott there is a petition before the upper house that calls for any politician who is found guilty of corruption to lose their parliamentary pension.See omnystudio.com/listener for privacy information.

In this Q&A episode of Retire With Style, Alex and Wade tackle several questions about building and managing a retirement income strategy, beginning with whether AI is ready to recommend optimal withdrawal strategies and where human expertise still matters. They discuss how retirees can assemble a coordinated team of financial, tax, and estate-planning professionals before turning to the role of reliable lifetime income in retirement portfolios. Wade explains why partially annuitized strategies can potentially improve spending outcomes and legacy wealth by reducing withdrawal pressure and sequence risk, while emphasizing that different retirement income styles call for different approaches. The episode closes by reframing the meaning of “risk” in retirement: rather than simply measuring investment volatility, retirement risk is ultimately about the probability and magnitude of failing to meet your financial goals. Listen now to learn more!   Takeaways AI isn't ready to manage complex retirement withdrawal strategies on its own. A financial advisor can coordinate the tax, estate, and investment pieces of retirement planning. Annuities can reduce portfolio withdrawals and help manage sequence risk. Pensions, Social Security, and annuities can create a reliable retirement income floor. Retirement risk is ultimately the risk of not being able to meet your financial goals. Withdrawal strategies should be compared using the same assumptions to get a true apples-to-apples comparison. Lifetime income can reduce withdrawal pressure and give the remaining portfolio more opportunity to grow. A “safe” investment can still be risky if it prevents you from meeting your retirement goals. Chapters 00:00 Introduction and episode overview 02:36 Can AI optimize withdrawal strategies? 04:20 Tools for retirement spending strategies 07:09 Role of human advisors versus AI solutions 08:28 Assembling a retirement planning team 15:52 Partial annualized portfolios outperforming total returns 21:17 Are pensions a form of income protection? 23:00 Defining risk in investment and retirement   Links

Réforme des pensions : Les syndicats maintiennent la pression by TOPFM MAURITIUS

On this week’s episode of More Than Money, Faisal Karmali and Rob Gerrie discuss the growing gap between public and private-sector pensions and whether governments should expand workplace retirement coverage. Then, Mario Canseco, President of Research Co., joins them to examine a new survey on whether health-care professionals should be allowed to object to participating in Medical Assistance in Dying. Next, microbiologist Jason Tetro “The Germ Guy”, explains why Alberta’s rising number of tick reports matters for retirees who enjoy gardening, golfing and spending time outdoors. To close the show, Faisal and Rob break down PKAG’s Growth Bucket, why retirees still need growth and how it supports future income.See omnystudio.com/listener for privacy information.

Don opens with a spirited defense of AI as a creative tool—especially when it makes ideas possible that would otherwise be too expensive or time-consuming. Technology changes the jobs around us, but learning to direct it responsibly can expand what one person can make.Then it's on to listener questions: how charitable giving from a retirement account might work better through an IRA and qualified charitable distributions, whether dividends and bond interest should be reinvested, and why money generally belongs at work instead of waiting in cash.Finally, Don weighs a COLA-adjusted pension against a lump sum, considers a low-cost new 401(k) versus an IRA, gives a hard no to illiquid Why Refi promissory notes, and compares simple flexible retirement withdrawals with advisor-managed guardrails.03:40 — AI as a creative tool07:01 — Charitable giving, IRAs, and QCDs09:55 — Reinvesting dividends and bond interest11:37 — Pension or lump sum? Plus the next 401(k)14:52 — Why Refi and the danger of “magical” returns17:56 — Flexible withdrawals versus guardrailsQuestions? Comments? Click!

Andy Burnham has made it clear that social care is at the top of his agenda, as are pensions. Michael Simmons is joined by James Heale and Spectator contributor James Kirkup to discuss so called 'death tax', cross party efforts on tackling social care, and whether the government can get round the thorny issue of who will pay for this.Become a Spectator subscriber today to access this podcast without adverts. Go to spectator.co.uk/adfree to find out more.For more Spectator podcasts, go to spectator.co.uk/podcasts.Contact us: podcast@spectator.co.uk Hosted on Acast. See acast.com/privacy for more information.

Over 280,000 loans were taken out in the 12 months up to March 2026 valued at 3 billion euro. This is according to the latest report from the Banking & Payments Federation. We get the details with Bernard Walsh, Head of Investments and Pensions at Fairstone Ireland.

Over 280,000 loans were taken out in the 12 months up to March 2026 valued at 3 billion euro. This is according to the latest report from the Banking & Payments Federation. We get the details with Bernard Walsh, Head of Investments and Pensions at Fairstone Ireland.

No one explained a 401(k) to Anita Battle. She had to ask a coworker, copy what the coworker did, and hope it worked out. In this conversation with host Syama Bunten on Getting Rich Together, human-centered leadership expert and board director Anita Battle talks about financial literacy for women of color and what gets lost when families never talk about money. Anita grew up in Oakland wanting to be a lawyer, then became a teacher instead. She later became the first woman of color in national sales at a major telecom company, learned golf because that is where deals happened, and saved her commissions while colleagues bought boats. Her path into financial literacy for women of color started with basic 401(k) advice for beginners and grew into hard-won money lessons for first-generation professionals with no family blueprint to follow. Anita also describes becoming her mother's caregiver. She explains how to prepare financially for caregiving long before it becomes urgent, and she offers guidance on trusts versus wills in estate planning, especially for homeowners in California. She also covers taking early retirement for women in corporate America, something she pulled off herself at 50. Financial literacy for women of color has to be visible to spread. If you never see anyone who looks like you, the bridge stays broken. Wealth Catalyst exists to build that bridge. Find a salon at wealthcatalyst.com/salons or join the Wealth Catalyst Summit in San Francisco on October 16.   Episode Breakdown: 00:00 Growing Up in Oakland and Early Money Lessons 03:49 Choosing Law, Then Choosing Teaching Instead 05:56 A Full-Ride Scholarship to Loyola Marymount 15:23 Breaking Into Telecom at GTE 17:41 Learning About 401(k)s as a First-Gen Professional 23:40 First Woman of Color in National Sales 29:21 Taking Early Retirement at 50 33:35 Becoming Her Parents' Full Time Caregiver 40:18 Pensions, Stock Vesting, and Retirement Surprises 48:16 Travel, Theater, and Giving Back Through Mentorship Find more from Syama Bunten: Your money story may be shaping your financial life more than you realize. After hundreds of conversations with women at all stages of their financial lives, Syama distilled the questions that helped her understand her own patterns into The Money Story Reset, a free guide featuring five guided reflections and personal stories from her journey. Download The Money Story Reset and begin uncovering the beliefs behind your financial decisions.   Attend a Salon near you: wealthcatalyst.com/salons Instagram: https://www.instagram.com/syama.co/ Join Syama's Substack: https://thewealthcatalystwithsyama.substack.com/ Website: https://wealthcatalyst.com Download Syama's Free Resources: https://wealthcatalyst.com/resources Wealth Catalyst Summit: https://wealthcatalyst.com/summits Speaking: https://syamabunten.com Big Delta Capital: www.bigdeltacapital.com Podcast production and show notes provided by HiveCast.fm  

What happens when one of the country's sharpest mathematical minds decides that being brilliant isn't enough, that the real work is holding power accountable?In this episode of B the Way Forward, host Brenda Darden Wilkerson sits down with Cathy O'Neil, mathematician, data scientist, founder of the algorithmic auditing firm ORCAA, and author of the landmark book Weapons of Math Destruction, which exposed how opaque algorithms amplify inequality across hiring, credit, criminal justice, and beyond.Cathy's path has been anything but linear: from PhD mathematician to Wall Street quant to Occupy Wall Street activist to public critic of the very systems she once helped build. She has spent the decade since her book's publication doing the unglamorous, legally constrained, financially risky work of algorithmic auditing, turning down lucrative clients whose ethics didn't pass the "can I tell my kids about this?" test, and founding a new nonprofit, Ocean, focused on AI child safety.Brenda and Cathy unpack what it actually costs to follow your conscience in tech, why urgency is a deliberate ethical bypass strategy, why AI is not a math problem, and why the window for federal AI regulation is coming faster than most people think. This is a conversation about accountability, clarity, and what it really means to channel something bigger than yourself.Connect with Cathy on http://mathbabe.org/contactWe Learned About:Why "big data" and "AI" are marketing terms engineered to evoke trust rather than describe something objective, and why that matters for how we regulate themWhat it felt like from the inside to work as a Wall Street quant building models that front-ran California teachers' pension funds, and why Cathy's body gave out before her brain caught upHow Occupy Wall Street taught a pure mathematician that race, sex, and class were not distractions from the financial crisis but the actual storyWhy the lack of accountability, not the technology itself, is the core problem with algorithmic systems deciding who gets a job, a loan, or a prison sentenceHow urgency is used as a deliberate strategy by the tech industry to bypass ethical reflection, and Cathy's triage framework for responding to it anywayChapters:0:00 Introduction & Season Theme1:00 Meet Cathy O'Neil, Author of Weapons of Math Destruction2:00 What "Big Data" and "AI" Actually Mean: Marketing, Hype, and Misplaced Trust4:00 The Lack of Accountability That Drove Cathy to Write Her Book5:30 Starting ORCAA: Trying to Make Algorithms Comply With Anti-Discrimination Law7:00 From Naive Quant to Activist: The Financial Crisis That Changed Everything8:30 What Occupy Wall Street Taught a Mathematician About Race, Class, and Power11:00 When Cathy's Body Knew Before Her Brain Did: Leaving Finance13:00 Front-Running Teachers' Pensions and the Moment It Became Real15:00 Practices and Boundaries That Keep Cathy Grounded Now16:00 The "Can I Tell My Kids About This?" Litmus Test17:30 Why Cathy Measures Herself in Deeds, Not Salary19:00 Is Urgency a Strategy? How the Tech Industry Bypasses Ethics20:00 The Triage Framework: Focus on the Worst Thing Happening Right Now20:30 Why Cathy Founded the Nonprofit Ocean and the Coalition for AI Child Safety21:00 Turning Down TikTok and the Qatar Government: What Integrity Actually Costs23:30 What Speaking Out Has Cost Cathy Professionally and What It Has Given Her25:00 The Patterns in Algorithmic Harm That Never Change Across Industries27:00 When Technical Brilliance Alone Isn't Enough: The Occupy Wall Street Turning Point28:30 "It's Not a Math Problem": Why Cathy Now Calls Herself a Mathematical Sociologist30:00 How Math Facilitates the Hard Human Conversations That Actually Need to Happen32:00 Tech Oligarchs, AI as God, and Why That Vision Won't Play Out33:30 The Humanities Deficit in Technical Education and Why It Matters35:30 How External Validation and Influence Show Up on Cathy's Internal Compass37:00 Why Cathy Did the TED Talk Anyway and Who She Did It For39:00 What to Do When Passion Meets the Long, Hard Reality of Actually Doing the Work40:00 The First Three Years With No Clients: Patience, Hustle, and Rightsizing Ambition41:00 Why Cathy Knits Blankets and What Completion Teaches You About Progress42:30 Advice for Early-Career Data Scientists Who Want to Change the System44:00 Algorithmic Auditing, Data Journalism, and the Legal Tech Pipeline Coming Fast46:00 Defining Leadership by Integrity, Not Influence49:00 The Way Forward: Keep Moving, Stay Curious, Make Room for Despair, Then Find Your Hope52:00 Closing Thoughts: Brilliance Without Wisdom Is Dangerous#BTheWayForward #WeaponsOfMathDestruction #AlgorithmicAccountability #AIEthics #WomenInTech #DataScience #ResponsibleAI #TechForGood

Réforme des pensions : l'inquiétude grandit chez les futurs retraités by TOPFM MAURITIUS

*This episode was originally published in July 2024 - some facts and figures may have changed* We can't talk enough about the pensions crisis. Most people aren't saving enough for the life they are going to want and something has to be done about it. We cover the big questions: why is there a problem, how much we really need to be saving and will the state pension even exist when you retire? Tom McPhail is a pensions industry expert. He no longer works for finance consultancy firm Lang Cat. If you want to watch me talk about my accident: https://www.youtube.com/watch?v=BKvUB0ks2BU 

Still guessing your prices? If you're a freelance hairdresser or salon owner who feels guilty raising rates, this episode is your permission slip—and your plan. In this How To Cut It panel, Georgia Bell, Ruth Lundstrum (Freelance Suite), Samantha Toogood, and Samantha Blues reveal why hair pros undercharge and how to price with confidence. We strip emotion from money, swap rigid menus for bespoke, hair-type packages, and build pricing that covers wages, tax/VAT, profit, pensions, sick pay, education, and cancellations. Ruth busts the “clients can't afford it” myth—spending is a choice—and shares real numbers, including intentionally outpriced services that prove value sells. Learn when to raise prices, how to stay booked, and the differences between salon and solo realities, plus the financial gaps NVQs leave behind. CHAPTERS 0:05: Pricing Playbook Kickoff 7:47: VAT, Value, and Priorities 11:19: Real Rates, Real Services 18:10: Fear, Packages, and Price Hikes 20:31: Money, Greed, and Freedom 24:40: Educate, Earn, and Level Up 25:54: Business Basics and Profit 27:34: Comfortable Living Defined 28:36: Property, Branding, and Pensions 31:16: Financial Education for All RESOURCES REGISTER TO JOIN SPOTD HERE FREELANCER SUITE CLICK HERE SAMANTHA BLUES CSI CLICK HERE GEORGIA BELL EDUCATION CLICK HERE @georgiagracebell/ @ruth__lund @samanthabluescolourcoach @toogood_hair_well_being_

Alyssa tells Morgan about a disreputable Illinois politician. Come for the corruption and the Legionnaires' disease stay for the shocking reveal. Show Notes: Capitol News Illinois: Former Sen. Tom Cullerton pleads guilty to embezzlement Chicago Tribune: Former Teamsters boss John Coli Sr. sentenced to 19 months in federal prison in extortion case Ballotpedia: Tom Cullerton Indictment Plea Agreement WTTW: Tom Cullerton NPR Illinois: A former Illinois State Senator convicted in corruption scheme gets a new job — state lobbyist Chicago Sun-Times: Ex-state senator who did prison time over job that required ‘little to no work' finds work on the outside — as a state lobbyist Capitol News Illinois: Sen. Tom Cullerton replaced as Labor Committee chair AP News: Sen. Thomas Cullerton quits, to plead guilty to embezzlement CBS Chicago: Former Illinois state Sen. Tom Cullerton sentenced to one year in prison in ghost-payrolling scheme WBEZ: Illinois State Senator Thomas Cullerton Indicted In Embezzlement Scheme Chicago Tribune: Here's what we know about Illinois state Sen. Tom Cullerton, who was indicted Friday ABC-7: Chicago judge believes he contracted Legionnaires' disease from Dirksen federal building water Learn more about your ad choices. Visit megaphone.fm/adchoices

Part two of our ‘I don't get money' podcasts. Martin explains your consumer rights when returning purchases, including what protection you have when goods are faulty, bought online, or simply not what you expected. He also guides listeners through the practicalities of starting to draw from a pension, covering the key decisions retirees face and common mistakes to avoid. Credit card borrowers ask about balance transfer deals, with Martin discussing when they can save money, what fees to watch out for, and how to use them effectively to tackle existing debt. The podcast also delves into several important later-life financial topics. Martin answers questions on inheritance tax, clarifying who may be affected and the rules families should be aware of, while also explaining the importance of setting up a Lasting Power of Attorney before it becomes urgently needed. With savings rates remaining a key concern, Martin discusses when interest earned on savings could become taxable, helping listeners understand allowances. He also examines the latest concerns around energy prices, what households should be prepared for. Plus, Martin looks at the changing role of cash in everyday spending. Finally, he highlights social tariffs for broadband, explaining how eligible households could significantly reduce their internet bills and how to check whether they qualify.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.

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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.

This week on Swimming with Allocators, Earnest and Alexa welcome Senia Rapisarda of HarbourVest, who walks through her journey from Italy and Wall Street to leading venture and growth efforts in Canada, first at BDC and now as a major LP. She explains how Canada's venture ecosystem has evolved, the creation and impact of the Venture Capital Action Plan, and why innovation capital is critical to national sovereignty. The conversation covers what makes great Canadian fund managers (curiosity, humility, team-building, and agility), how emerging managers should approach institutional LPs and avoid basic fund management mistakes, and why valuation discipline and non-greedy founders matter in down cycles. Also, Nick Cassin explains how continuation vehicles (CVs) give LPs a choice between liquidity and extended exposure to high-conviction assets when a fund's term and capital are running out. He describes how the market has broadened to more types of investors and fund sizes, and outlines the conflict-of-interest controls that make these GP-led secondaries work. Highlights from this week's conversation include: Senia's Background, Global Career, and Move to Canada (0:21) Moving to HarbourVest and Designing Canada Growth Strategy (4:00) Canada's “Perfect Storm” and Agriculture vs Geology Metaphor for Venture (5:42) What Canada Needs to Fully Capture Innovation Opportunity (8:04) How US Allocators Should Approach Canada and Diversification Benefits (11:21) Expectations of Emerging GPs and Importance of Fund Management Basics (17:59) When Continuation Vehicles Make Sense for Venture (21:39) Trends in New Money Capital and Expansion of CV Market (23:40) Managing Conflicts of Interest in GP-Led Continuation Vehicles (26:29) LP Behavior: Who Rolls vs Sells in CV Transactions (31:14) Four Filters for Durable Companies and Role of Founder Non-Greed (34:29) Longevity as an Asset Class and Implications for Pensions (37:03) Applying Longevity and Defense-Tech Themes in Manager Diligence (41:00) Innovation Capital as Part of Canada's Sovereignty and Late-Stage Capital Gaps (44:33) How Emerging Managers Should Approach HarbourVest and Build Track Record (47:12) Connecting with Senia and Parting Thoughts (51:01) HarbourVest Partners is a global private markets investment firm managing approximately $150B in assets, with a 45-year history and venture as a core part of its franchise. The firm operates as a multi-strategy, multi-manager platform — primary fund investments, secondaries, direct co-investments, and credit — across North America, Europe, and Asia. Senia Rapisarda leads HarbourVest's Canadian strategy from Toronto, deploying capital across funds and growth-stage companies and serving as a bridge between the Canadian ecosystem and HarbourVest's global LP and GP network. Sidley Austin LLP is a premier global law firm with a dedicated Venture Funds practice, advising top venture capital firms, institutional investors, and private equity sponsors on fund formation, investment structuring, and regulatory compliance. With deep expertise across private markets, Sidley provides strategic legal counsel to help funds scale effectively. Learn more at sidley.com. Swimming with Allocators is a podcast that dives into the intriguing world of Venture Capital from an LP (Limited Partner) perspective. Hosts Alexa Binns and Earnest Sweat are seasoned professionals who have donned various hats in the VC ecosystem. Each episode, we explore where the future opportunities lie in the VC landscape with insights from top LPs on their investment strategies and industry experts shedding light on emerging trends and technologies.  The information provided on this podcast does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this podcast are for general informational purposes only. HarbourVest Partners, LLC is a registered investment adviser under the Investment Advisers Act of 1940. This material is solely for informational purposes and should not be viewed as a current or past recommendation or an offer to sell or the solicitation to buy securities or adopt any investment strategy.  The opinions expressed herein represent the current, good faith views of the author(s) at the time of publication, are not definitive investment advice, and should not be relied upon as such. This material has been developed internally and/or obtained from sources believed to be reliable; however, HarbourVest does not guarantee the accuracy, adequacy or completeness of such information. There is no assurance that any events or projections will occur, and outcomes may be significantly different than the opinions shown here.  This information, including any projections concerning financial market performance, is based on current market conditions, which will fluctuate and may be superseded by subsequent market events or for other reasons. The information contained herein must be kept strictly confidential and may not be reproduced or redistributed in any format without the express written approval of HarbourVest. Nothing herein should be construed as a solicitation, offer, recommendation, representation of suitability, legal advice, tax advice, or endorsement of any security or investment and should not be relied upon by you in evaluating the merits of investing in HarbourVest funds or in any other investment decision. Learn more about your ad choices. Visit megaphone.fm/adchoices

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 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 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 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)

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.

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.

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.

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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)

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

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

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.

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   

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   

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!

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.