Podcasts about pensions

It's a listener question special, and grill master Jack is ready to push the pace. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

The topics, stocks and shares mentions / discussed include: Festive special with six special guests. Their winning stocks of 2025 & investing lessons Games Workshop / GAW Murray International Trust / MYI Blue Whale Growth Fund / Stephen Yiu Serabi Gold / SRB Gold McKesson Corp / MCK Warpaint London / W7L  Hercules Plc / HERC Bluefield Solar Income Fund / BSIF Broadcom / AVGO / Cisco / CSCO /  Taiwan Semiconductor Manufacturing Co / TSM / Adobe / ADBE JPMorgan China Growth & Income / JCGI The Renewable Infrastructure Group / TRIG Renewables / Risks / Discounts Digital 9 Infrastructure / DGI9 Investment Trusts Pensions Dividend Yields Income / Dividends Investment Strategy / Having a plan / Accumulation Phase Investing confidence Selling / Protecting profits Stop Loss / Discipline / Emotional Attachment / Detachment Technical Analysis Fundamental Analysis Investing psychology Menphys Charity Fundraise please donate what you can. Merry Christmas & wishing you all a healthy and fantastic 2026 ShareScope ShareScope landing page   special discount offer code : TwinPetes Harriman House books Harriman House – Independently minded publishing support the TwinPetesInvesting Challenge Investors' Chronicle sponsor Special Trial Offers (investorschronicle.co.uk) the TwinPetesInvesting Challenge Henry Viola-Heir's blog Home – The Ethical Entrepreneur Powder Monkey Brewing Co All Products – Powder Monkey Brewing Co 10% discount code : TWINPETES The 2025 TwinPetesInvesting MENPHYS Charity Appeal please make a donation on the TwinPetes Investing Charity Challenge 2025 Just Giving page here where  Peter Higgins & the TwinPetesInvesting podcast are fundraising for the children with disabilities charity, Menphys. The Twin Petes Investing podcasts will be linked to and written about on the Conkers3 website , on the Sharescope website and also on available via your favourite podcast and social media platforms. Thank you for reading this article and listening to this podcast, we hope you enjoyed it. Please share this article with others that you know will find it of interest.

This "Deep Dive" podcast focuses on official financial records for Newtown Township, documenting various expenditures and account activities throughout 2025. The provided Bills Lists detail payments to vendors for municipal services, including public works maintenance, police department equipment, and professional legal and engineering fees. Additionally, the records include fund transfer authorizations that move significant capital between the General Fund and specialized accounts for payroll, health benefits, and pension obligations. The sources also track infrastructure costs such as utility bills, road repair materials, and public lighting projects. Individual entries further reflect community programming expenses, ranging from summer camp supplies to recreational instructor fees. Collectively, these reports offer a transparent overview of the township's fiscal management and operational spending.

THE TOWNSEND PLAN, FATHER COUGHLIN, AND THE THIRD PARTY THREAT Colleague David Pietrusza. Dr. Francis Townsend's popular plan for old-age pensions pressured Roosevelt, who disliked "the dole," into creating Social Security. Concurrently, Father Charles Coughlin, the influential "Radio Priest," turned against Roosevelt after feeling used and ignored, specifically following a meeting at Hyde Park arranged by Joe Kennedy. Coughlin allied with Townsend and Huey Long's successor, Gerald L.K. Smith, to form a third party aimed at throwing the election to the House of Representatives. Despite their massive radio audiences, these political amateurs failed to get on the ballot in key states like New York and California. NUMBER 3

In this episode, Ben Farmer is joined by Simon Jones, Head of Responsible Investment here at Hymans and special guest John Hamilton, Chair of Trustees for the Stagecoach Group Pension Scheme, for a discussion on the unique journey of the Stagecoach pension scheme, recent industry dynamics and the practicalities of this transaction.The conversation offers valuable lessons for trustees and those managing pension schemes in a changing landscape, as they cover topics such as: Key changes in the pensions industry and specific updates from the Stagecoach scheme over the past year.How trustees have approached their responsibilities and the strategies considered to safeguard scheme members.A deep dive into the transaction process, challenges faced, and solutions implemented.We hope you enjoy listening. If you have any questions, on anything covered throughout the episode, please get in touch.Related contentInvestment – endgame planning, productive finance and the brave new world for DB pension scheme investmentThe investment impact of DB schemes choosing to run-onExcellence in EndgamesThe untapped potential of pensionsFoundations - Why Britain has stagnatedFiscal risks and sustainability – September 2024 - Office for Budget ResponsibilityChapters: 01.10 – Introduction 01.55 – The growth/pensions relationship and quick history of the Stagecoach pension scheme06.39 – Pensions industry dynamics and Stagecoach scheme developments in the past 12 months09.14 – “Preserve, protect, enhance” and trustees exploring their options13:57 – Practicalities of the Stagecoach-Aberdeen transaction19.55 – Investment considerations for the framework that's been put in place25:08 – Learnings from the process and calls to action for the future29.22 – Summary and wrap upHymans Robertson disclaimerThis podcast has been prepared by Hymans Robertson LLP, and is based upon our understanding of events as at release date. It is designed to be a general summary of topical investment matters and is not specific to the circumstances of any particular employer or pension scheme. The information contained in this podcast should not be construed as advice and not be considered as a substitute for specific advice as the information is generic in nature. Where a podcast refers to legal matters please note that Hymans Robertson is not qualified to provide legal opinion and therefore you may wish to obtain independent legal advice to consider any relevant law and/or regulation. Hymans Robertson LLP accepts no liability for errors or omissions. Your Hymans Robertson LLP consultant will be pleased to discuss matters raised in this podcast in greater detail. Guests views are separate to that of Hymans Robertson.The information provided in this broadcast is not financial advice. Past performance is not a guide to the future. Please note the value of investments, and income from them, may fall as well as rise. This includes but is not limited to equities, government or corporate bonds, derivatives and property, whether held directly or in a pooled or collective investment vehicle. Further, investments in developing or emerging markets may be more volatile and less marketable than in mature markets. Exchange rates may also affect the value of investments. As a result, an investor may not get back the full amount of the original investment. Past performance is not necessarily a guide to future performance. Hymans Robertson LLP is authorised and regulated by the Financial Conduct Authority and Licensed by the Institute and Faculty of Actuaries for a range of investment business activities.

In this episode of Money Scope, Benjamin Felix and Dr. Mark Soth take a deep look into pension options for Canadian incorporated professionals. Building on their previous pension episode, they analyze whether Individual Pension Plans (IPPs) or Multi-Employer Pension Plans (MEPPs) like HOOP make sense through real-world case studies. Financial planner Aravind Sithamparapillai joins to break down detailed modeling of HOOP and how it compares to RRSPs, IPPs, and RCAs. The conversation tackles tax implications, income planning, and behavioral factors that affect pension decisions—equipping listeners with a clearer framework to assess their own options.   Key Points From This Episode:   [00:00:12] Overview of pensions for Canadian business owners [00:01:44] Case studies preview: IPPs and MEPPs [00:03:34] Complexity of pension planning and HOOP analysis [00:05:09] IPP Case 1: High income but scaling back work [00:08:14] Modeling impact of IPP on flexibility and income stability [00:10:32] IPP Case 2: Dual high-income professionals and tax strategy [00:13:28] Use of different compensation types to manage RDTOH [00:15:05] IPP Case 3: Moderate income and $2.5M corporate portfolio [00:18:11] Incremental benefit of IPPs for this income bracket [00:20:35] Introduction of guest Aravind Sithamparapillai [00:23:49] Role of pensions in providing reliable income [00:26:59] Choosing the right MEPP: HOOP's track record [00:31:12] How HOOP benefits are calculated for physicians [00:36:44] Base case: RRSP vs. HOOP for a 30-year-old physician [00:41:01] Retirement certainty and estate value trade-offs [00:44:42] Impact of inflation indexing on HOOP's value [00:48:13] Conflicts of interest in pension advice [00:52:18] Summary of the case: HOOP increases certainty, reduces estate [00:58:19] Flexibility of joining HOOP later in a career [01:04:32] Modeling late-career contributions and outcomes [01:07:04] Internal rate of return benefits of contributing later Links From Today's Episode:   Dr. Mark Soth (The Loonie Doctor) — https://www.looniedoctor.ca/ Dr. Mark on X — https://x.com/LoonieDoctor Benjamin Felix — https://www.pwlcapital.com/author/benjamin-felix/  Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/

Bitcoin doesn't win by forcing everyone to run a node, it wins by fading into the background. In this conversation, Brandon Green sits down with Peter McKormack to discuss leaving What Bitcoin Did, Bitcoin UX, ETFs, and why invisible adoption matters most. From ETFs and pensions to media and football clubs, this episode breaks down how Bitcoin quietly integrates into everyday life.

In this end-of-year special, Sarah Coles and Helen Morrissey look back at the key money themes of 2025 and what they mean for savers, investors and retirees.They discuss how market volatility following global trade tensions tested pension investors' nerves and why taking a long-term investing approach matters.This podcast isn't personal advice. If you're unsure what's right for you, seek financial advice. Pension and tax rules can change, and benefits depend on personal circumstances. Investments can fall as well as rise in value, so you could get back less than you invest. Hosted on Acast. See acast.com/privacy for more information.

With pensions disappearing and future tax rates being always uncertain, it's important for folks to take retirement planning into their own hands.   Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-minute Consult: http://PathfinderChat.com Buy the book, Roadmap For A Stress-Free Retirement: https://amzn.to/4gwy7uG Find Out Your Tax Bill: https://whatismytaxbill.com/

In this podcast episode, Brian Skrobonja takes us on a thought-provoking journey through the evolving concept of retirement. As we dive into the past, present, and future of retirement, Brian helps us unravel the complexities of this modern-day concept which, though deeply ingrained in our society, is relatively new in human history. This episode is essential for anyone planning for retirement, offering a fresh perspective on how to approach this significant life stage in the context of rapid societal shifts, economic developments, and increasing human longevity. We start off by exploring the concept of retirement and its transformation from ancient societies to the modern era. The Industrial Revolution marked a significant shift from agrarian societies to industrial ones, influencing how people viewed work and retirement. It even shaped the way that families and communities lived together. The change in how work was done over the centuries resulted in the creation of a retirement system based on pensions, which was the precursor to modern-day retirement benefits. In the 1900's, Social Security was introduced which shifted the responsibility from families and communities onto the government. In a relatively short period of time, the concept of retirement has changed drastically, and the pace of change is continuing to accelerate. Based on the way technology and healthcare are developing, it's very likely that retirement will look very different in the future as well. As the Baby Boomer generation progresses toward retirement, it will put tremendous strain on programs like Social Security and Medicare due to a considerably lower worker-to-retiree ratio than ever before in history. The programs and retirement paradigm will change, similar to the way that pensions underwent change. Pensions used to be the default vehicle for retirement but have become scarce and relegated, mainly for those with government jobs. According to the Social Security Administration, benefits are projected to run negative by 2033. And according to the Congressional Budget Office, the national debt is projected to reach $52 trillion in 2033. Life expectancy also continues to rise, which puts pressure on the current retirement paradigm from another angle. With new breakthroughs in human longevity, the concept of retirement will have to adapt. Retirement was once considered a necessary transition when a person was no longer productive in their work and had a short life expectancy once retired. Today, people retire when they're still fully capable of working. That reality is widening the chasm between the number of workers and retirees, as well as the financial resources needed to sustain retirement for longer periods of time. Retirement needs to be redefined, since the reality of shorter lifespans is no longer the case for most people. There are three factors that contribute to success in retirement. The first is contribution. The longer you contribute, the better. Perhaps redefining expectations after the age of 60 and looking toward a second half of life with a meaningful career or business may be called for. The second is prevention. The longer your retirement is, the more risks are amplified and can have a significant impact. Finding ways to move things into your control helps prevent unforeseen problems that put your retirement at risk. Examples of this include: insurance, annuities, and tax-free investments. The third is delegation. Retirement planning is a team sport. You can delegate the heavy lifting of a retirement plan to financial advisors, attorneys, insurance agents and CPAs and then use that collective wisdom to implement the actual plan.     Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify   References for this episode: https://www.washingtonpost.com/technology/interactive/2023/aging-america-retirees-workforce-economy/ https://www.ssa.gov/OACT/TRSUM/index.html https://www.cbo.gov/publication/58946 https://www.econlib.org/library/Enc/IndustrialRevolutionandtheStandardofLiving.html#:~:text=On%20the%20other%20hand%2C%20according,come%2C%20it%20was%20nevertheless%20substantial https://www.ssa.gov/history/lifeexpect.html#:~:text=Life%20expectancy%20at%20birth%20in,and%20paid%20into%20Social%20Security https://www.macrotrends.net/countries/USA/united-states/life-expectancy#:~:text=The%20current%20life%20expectancy%20for,a%200.08%25%20increase%20from%202020 https://www.diamandis.com/blog/mark-hyman https://www.kiplinger.com/taxes/what-to-do-before-tax-cuts-and-jobs-act-tcja-provisions-sunset     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Our firm is not affiliated with or endorsed by any government agency.

durée : 00:02:10 - Le brief éco - La loi de financement de la Sécurité sociale pour 2026 entérine une revalorisation de 0,9% des minima sociaux et des retraites de base au 1er janvier, écartant toute "année blanche". Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

If a person who was unable to work dies, should their spouse/partner be declined bereavement support payments? Administrative Court Blog post: https://administrativecourtblog.wordpress.com/2025/11/20/the-supreme-court-discrimination-and-maximal-deference/ https://uklawweekly.substack.com/subscribe Music from bensound.com

How do you convince a client to consolidate their "shoebox" of old pensions when 59% are happy to just "leave it"? In this episode of The Money Marketing Podcast, in association with Royal London, we look at the actionable takeaways for advisers from the Workplace Pensions Report 2025.   Clare Moffat (Royal London) breaks down the barriers stopping clients from picking up the phone. We discuss the upcoming changes to salary sacrifice (and the new £2,000 NI cap), the confusion surrounding the "megafunds" proposals, and how to use the Retirement Living Standards to reset unrealistic income targets. We discuss: The "I'll do it later" problem: Strategies to move clients from inertia to action. Anchoring Expectations: Combating the "£58k income" myth. The Power of Advice: Data showing how advised clients are more likely to switch funds and boost contributions. Future Proofing: What the Pension Schemes Bill means for your clients. Read the full report: To see the full breakdown of consumer trends and stats, download the Royal London Workplace Pensions Report 2025 here.

What changed in the UK Budget for pensions and salary sacrifice? From 2029, a £2,000 annual cap will be introduced on National Insurance (NI) savings through pension salary sacrifice. Any pension contributions made via salary sacrifice above this cap will become subject to NI. In this episode of the People Agenda podcast, host Chris Howard is joined by reward experts, Mike Aldred and Jeremy HIll, to discuss the impact of this change in the budget on employees and organisations. They also explore how organisations can prepare for the upcoming changes.

Leslie is joined by Scott Kroona and Brad Lusk, members of Teamsters Local 120, which represents over 15,000 workers in Wisconsin, Minnesota, Iowa, North Dakota, and South Dakota. They discuss why their Union has authorized a strike at Actus Nutrition and Foremost Farms. They explain what has led to the strike, and how they and other dairy workers are pushing back against cuts to their health care, pensions, and other protections. The website for Teamsters Local 120 is www.TeamstersLocal120.org.

Leslie is joined by Scott Kroona and Brad Lusk, members of Teamsters Local 120, which represents over 15,000 workers in Wisconsin, Minnesota, Iowa, North Dakota, and South Dakota. They discuss why their Union has authorized a strike at Actus Nutrition and Foremost Farms. They explain what has led to the strike, and how they and other dairy workers are pushing back against cuts to their health care, pensions, and other protections. The website for Teamsters Local 120 is www.TeamstersLocal120.org.

In Belf's News Gallery, Greg Belfrage goes over the latest in trending news including farmers and tariffs, Marjorie Taylor Greene, Jasmine Crocket and the Senate, Nvidia and China, Medal of Honor recipients and pensions, ICE Block, Trump, and more...See omnystudio.com/listener for privacy information.

What does the benefits system look like in a post-Brexit world? https://uklawweekly.substack.com/subscribe Music from bensound.com

The Daily Telegraph's political editor, Ben Riley-Smith, analyses the latest developments at Westminster.Following further fallout from Rachel Reeves' Budget, and accusations that she misled the public about the state of the public finances, Ben speaks to two members of the Treasury select committee who have been investigating the issue: Labour MP, Yuan Yang, and Conservative MP, Dame Harriet Baldwin.After the Prime Minister signalled that the government would make a fresh attempt to reform the welfare system, Ben is joined by the Labour chair of the Work and Pensions select committee, Debbie Abrahams, and the former Conservative Work and Pensions Secretary, Sir Iain Duncan Smith, who introduced Universal Credit.Former Labour Home Secretary, Jack Straw, and former Conservative Justice Secretary, Alex Chalk, debate the government's proposals to reduce the number of jury trials.And the state of Anglo-German relations was in focus this week following a state visit by the German President. To discuss this Ben brings together two German-born British politicians: Former Labour MP, Baroness Gisela Stuart, and Wera Hobhouse, the Liberal Democrat MP for Bath.

Pensions continue to be an ongoing source of political instability in Germany and France, we unpack why. Then: Ireland, Spain, the Netherlands and Slovenia will boycott Eurovision 2026 over Israel's participation. Plus: we meet Anna Nash, president of Explora Journeys, at ILTM.See omnystudio.com/listener for privacy information.

Paul Kenny, Programme Leader at the Retirement Planning Council of Ireland, former Pensions Ombudsman

A guaranteed income for your retirement years, earned through your working life, with no need to worry about getting caught out by the vagaries of the stock market.  Sounds good, doesn't it? That's what a public sector pension delivers - and it's a far better deal than the retirement funds most people in the private sector save into. So, why do we want to make the good thing worse, rather than the bad thing better? Shouldn't we be doing things the other way round? And shouldn't the government be doing everything it can to improve private sector pensions rather than chip away at their already inferior benefits? On this episode of the This is Money Podcast, Georgie Frost, Helen Crane and Simon Lambert talk pensions - and the gulf between the public and private sector that is getting ever wider. Just how good is a public sector pension? Do many of those in line for them even realise how good they are? And how can we make the private sector catch up rather than trigger a race to the bottom? Plus, why the Budget was very bad news if you earn £52,000, can Argos be saved - and is reviving the catalogue the answer, why are food prices so high, and finally, have you got one of the names most likely to win the Premium Bonds?

In this episode, we break down the new U.S. law that triples lifetime pensions for living Medal of Honor recipients, raising their annual support to roughly the mid-$60,000 range to better match their real-world needs. We also explore what this change signals about how the nation values extraordinary heroism and how it might shape future conversations around benefits for other veterans. Get the top 40+ AI Models for $20 at AI Box: ⁠⁠https://aibox.aiSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

“Dead and rotting seagulls within the roof insulation” and “maggots literally raining down on to the lobby” - this quote from a court in South Tyneside sums up the state of our creaking judicial system. So what are we going to do about it? Cut jury trials. Deputy PM and Justice Secretary David Lammy is hoping to clear the court backlog by scrapping jury trials for crimes with sentences of less than three years - but stories like these make Nish and Coco doubtful it will be the silver bullet Lammy hopes. Is removing one of the fundamental building blocks of our justice system worth some sweet sweet efficiency gains?  Then - is this the next post office scandal? Nish and Coco are joined by Liz Sayce OBE to discuss her damning report into how the Department of Work and Pensions failed to notify unpaid carers that they were accruing enormous debt for years.  And Your Party had its founding conference this weekend… and surprise surprise… it was a spicy one. In the end, Team Zarah's collective vision for the party defeated Team Jeremy. Will this be a new chapter or - for a party prone to in-fighting - will this leadership model trip them up from the get go? Reminder to send in your questions for our mailbag special to psuk@reducedlistening.co.uk CHECK OUT THESE DEALS FROM OUR SPONSORS  AURA FRAMES https://www.auraframes.com Code: PSUK BABBEL https://www.babbel.com/PSUK  WISE https://www.wise.com GUESTS  Liz Sayce, OBE CREDITS BBC News Turn Left Media The Mirror  Pod Save the UK is a Reduced Listening production for Crooked Media. Contact us via email: PSUK@reducedlistening.co.uk BlueSky: https://bsky.app/profile/podsavetheuk.crooked.com Insta: https://instagram.com/podsavetheuk Twitter: https://twitter.com/podsavetheuk TikTok: https://www.tiktok.com/@podsavetheuk Facebook: https://facebook.com/podsavetheukYoutube: https://www.youtube.com/@PodSavetheUK Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Mark answers listener questions about preparing for retirement, navigating pension choices, maximizing charitable giving, and managing legacy assets like gold. Listeners will get practical financial insights and strategic tips for making the most of their retirement years. Tune in to hear expert advice tailored to real listener challenges. Here's some of what we discuss in this episode:

Kommunalvalget er ovre, og partierne har nu rettet blikket stift mod det Folketingsvalg, der skal komme om senest 11 måneder. Nogle af de store emner bliver klima og den grønne dagsorden, som det også var i mange kommuner med jævnlige oversvømmelser, truslen fra Rusland og behovet for flere penge til forsvaret, samt den helt store joker, som Statsministeren lancerede i august 2024 uden konkret indhold: Pension. Men har vi penge til det hele? Hvor står partierne i de spørgsmål? Og kan de overhovedet blive enige om noget – især i de tre regeringspartier? Martin Flink stille spørgsmålene i denne Borgen Unplugged Live på Forsikring og Pensions årsdag torsdag den 27. november, hvor Anders Langballe og Politikens politiske analytiker Elisabet Svane har svarene.

Speculation surrounding the UK budget hurt the UK pension industry, that's according to Mark Fitzpatrick, Chief Executive of St. James's Place, the UK's biggest wealth management company. He highlights how uncertainty in government policy has led to premature pension withdrawals, with many individuals acting on speculation rather than long-term strategy. Fitzpatrick also delivers a comparison between the UK and the USA investors saying there's a marked difference in cultural attitudes towards investing. He observes that Americans are more likely to discuss and celebrate investment, viewing wealth as a sign of progress and success, while in the UK, there is a greater tendency towards risk aversion and reluctance to talk about money. This cultural divide is reflected in the proportion of adults investing in stocks, with the US showing much higher participation rates. The conversation also turns to the role of technology and the potential for an artificial intelligence bubble and its impact on the investment world. He considers whether current enthusiasm for AI could lead to overvaluation and what measures they've taken to soften the impact of any AI bubble bursting. The interview explores the impact of AI on personal finance, the importance of human relationships in financial advice, and the need for balanced perspectives as technology continues to shape the future of investing and pensions.0:00 – Fliss and Sean welcome 2:30 – Mark Fitzpatrick joins the pod & discuss UK attitudes toward investing 10:00 – Growth of female investment 14:00 – Crypto investing & generational wealth 18:00 – Budget impact on pensions 27:00 – SJP fees issue and cultural changes 36:00 – Ai bubblePresenter: Sean Farrington Producer: Olie D'Albertanson Editor: Henry Jones

Partner Simon Daniel, Legal Director Jen Green, Legal Director James Ellis and Head of Market Strategy at Insight Rob Gall consider the key takeaways from the UK Autumn Budget announcement.

Welcome to another show full of questions form you, the audience and hopefully some meaningful questions from Pete & Roger. This week we have questions about paying school fees, becoming a financial adviser, how to invest an inheritance and lots more! Shownotes: https://meaningfulmoney.tv/QA33    01:15  Question 1 Good morning Pete & Roger, Thank you for a great podcast, been really enjoying it over the years and it's been no end of help for me. My question concerns my grandchild. She was born in America but now lives in the UK, is duel nationality. As grandparents we were hoping to put money aside into a savings account for her. Now obviously we thought the JISA but as she is born in America we can't do that.  Is there any advice for how we can save for her in the most tax efficient way for her, conscious that she is quite young. If we can put some money away now regularly, it could build up into a nice little nest egg for her.  Also hoping to do this for other grandchildren, not necessarily born in America.   Any advice gratefully received. Mike. 05:48  Question 2 Hello Pete & Rog Wow these Q&As just keep delivering incredible value -keep up the great work!   I'm 52 and my wife is 43. We're both higher-rate taxpayers contributing to a DB-DC hybrid via salary sacrifice. We'd like to retire together in 12 years (me at 64, my wife at 55—she has a protected pension age). We both have a DB pension and a DC pension. Combined we have emergency fund of £30k in Cash ISA, no S&S ISA. Observations: - Once both DB & State Pension are in payment pay, planned spending of £60k p.a. is fully covered. - My ability to draw DC within the basic-rate band post-State Pension is limited, as DB 33k p.a. - My wife has much more scope to use her DC tax-efficiently before her DB/State Pension start. - Likely outcome: large residual DC balances if we only withdraw what's needed to spend. Question: Would it be sensible to draw more from DCs early (using UFPLS at ~15% effective tax) and reinvest the surplus in S&S ISAs? This could: - Lock in withdrawals at basic-rate tax before DB/State Pension restrict allowances - Reduce the chance of paying higher-rate tax later - Diversify across ISAs (which we intentionally lack currently) Am I letting the "tax tail wag the investment dog," or is this just  pragmatic tax-efficient planning? Cheers, Dunc   09:05  Question 3 Hi, Thank you both for your financial wisdom! It has definitely lit a fire under me! My husband and I (41) would like financial independence at 50. We have received £120k early inheritance gift and also plan to sell 2 rental properties over the next 5 years to reduce commitments (a further approximate £250k post CGT) We are mortgage free and I have since filled our stocks and shares LISA and ISA, investing in 100% equity low cost global trackers. Other than investing the remaining in a GIA and transferring to ISAs each year are there any other options to help money grow over the next 9 years. We may continue to work at 50 but under our terms. We need sufficient to tide us over from 50-57 when we can consider access to Pensions and the LISA at 60. Thanks Amy 12:18  Question 4 Dear Pete & Roger, Thank you so much for all the work you do on YouTube, on the Website and on the Podcast, it really does make a difference to people's lives and long may it continue! I'm 36 years of age, and I currently work as an Aircraft Technician, which I somewhat enjoy. However I find the older I get, the harder it is to keep up with the physically demanding nature of the job, and fear this may become more of an issue further down the line. This has prompted me to think about my future employment. Engineering has been my whole life, and my curiosity for learning and my persistent quest for personal development has resulted in me becoming a fully qualified Car Mechanic and Aircraft Technician. I have also achieved a BSc (Hons) in Motorsport Engineering & Design! However, my race car days are over, and in a way I feel like I have "completed engineering" to the best of my ability, and I am eager to take on a new challenge! I have always been interested in finance (some would say I talk about nothing else!). I've always kept on top of my own personal finance (thanks to yourselves), and try to encourage/empower others to take control of theirs. The past few months I have been thinking of self-studying (whilst remaining in my current employment) for the AAT Level 2+3 in Accountancy, however the more I think about it perhaps Financial Planning is more my cup of tea? I love working with numbers, working with and helping people, planning for the future etc, however I worry I lack the necessary confidence and people skills to become a successful advisor. So I guess my questions are: 1. How do you become a Regulated Financial Planner? 2. Is it possible to self-study for the CII Level 4 in Regulated Financial Planning whilst remaining in employment? Or would you advise against this?  3. Are there any pre-requisites to studying for the CII L4 in RFP?  4. Would an Accountancy role be more suited to someone who does not possess great people/communication skills? 5. Could a RFP qualification open doors to work in industry as a FP&A as oppose to personal finance?  6. Anything else you wish to add for clarity?  Both your opinions are highly regarded. Keep up the great work! Kind Regards, Tom 23:55  Question 5 To the wonderful Pete and Rog I am a long time listener with my husband .  the podcast and videos have been invaluable in developing our understanding of personal finance  - translating complex issues into an accessible format so that people like me can get to grips is a real skill and thank you sincerely! My husband and I are 53 and have quite late become parents to beautiful twin daughters who just started secondary school (and are learning how to slam doors and stamp feet... you know that age...) anyway back to us, we are both employed, my husband is a higher rate tax payer and I am on the lower rate band. Because of some specific issues with the kids development needs we have decided to prioritise their education and to put them in our local small independent school where there is excellent specific support for them.  They started in September and were paying £45k per annum.  just typing that number scares me! To support the fees we moved house and extended our mortgage.  This given us c100k for fees and alongside significant monthly savings out of our income (1.5k) has given us capacity to support the fees for the next three years, however it won't be enough to take them through to GCSEs. We're feeling weighed down by our mortgage which is now significant although supportable because of our salaries.  It leaves us very little capacity for savings or luxuries like holidays. We realise this is our choice! Up until this point we have been relatively disciplined paying into pensions.  My husband has DB pension scheme which will pay circa 50k a year from the age of 61 (he has been paying in since 21) and one of those good, connected DC pots which should have circa £350,000 in by 61.   the 350k can be used to provide the TFLS as it is connected to the DB scheme.  So, we know when my husband retires, we will have capacity to clear the current mortgage.  But this can only be accessed at 60+.  I have a smaller pot which is £180k currently.  I'm paying in £150 month which is as much as I can afford. We need to make a planning decision about how do we afford the 5 years of fees not just the next 3?  the decision is imminent as we have to renew our mortgage in the coming months.  We have we think two options (excluding selling a kidney or two). 1. To further extend the mortgage. This will mean we push back possibility of retirement even further and will certainly use up all £265k of TFLS from husbands pension.... and gives us a problem of repayments - further squeeze. or 2. we wondered whether we could use my pension fund? The idea we had was to use tax-free cash from my pension to support the fees. I will be 55 in November 2027 and we think we might be able to get c £50,000 to use as a TFLS. - Is the drawing my tax-free lump sum a real option? It feels like the only way we might access funds other than the mortgage. - what impact would that have on my pension does it mean I can't continue to contribute to the pot? - Finally, how might we evaluate the pros and cons of the two options? we suspect there is no right or wrong answer but if anyone can offer a few wise words it would be the dynamic duo - thank you're the best. Katherine 31:50  Question 6 Hi Pete and Roger I love this show. There's so much great information and it brings me comfort to know so many people are making similar decisions to me and I seem to be on the right path! My question is about property vs index funds. I am about to inherit about £100k and am wondering what to do with it. I invest in global index funds every month so would be comfortable DCA-ing (pound cost averaging) it in over a few months. But, I do not own a property. So, I could buy a 2-3 bed property in Kent with approx. £150k mortgage and rent out a room to take advantage of the rent-a-room scheme. I am fortunate that my job provides my accommodation so I do not pay ridiculous rent and so do not need a property. Would you choose index funds or property for growth over the next 10-15 years? I'm located in Kent. Thanks for sharing your thoughts. Ceara

Key Topics Covered:1. What Changes in April 2027Unused pensions will count towards inheritance tax.Anything above the tax-free limit may be taxed at 40%.More families will be affected due to frozen allowances.2. Executors, Lost Pensions and Hidden TrapsNew burdens and risks for executors who must locate and report all pensions.The scale of “lost pensions” and how to track them down.When to consider consolidating multiple pots and when to seek advice.3. Income vs Capital and Smart GiftingIHT as a tax on capital, not income.Annual allowances, the 7‑year rule and “gifts with reservation”.How gifts out of surplus income can be unlimited and IHT‑free if well documented.4. Pensions, Annuities and Who's AffectedWhich pensions are not treated as capital (state, final salary, annuities).Which are caught by the new rules (personal pensions, SIPPs, SSAS, DC workplace schemes).Pros and cons of using annuities to swap capital for income.5. SSAS Pensions and Multi‑Generational PlanningWhat a SSAS is and who can qualify (limited company owners).Using SSAS to consolidate pots, invest entrepreneurially and involve adult children.Strategies like contributions for children, earmarking and loanback to shift value down the bloodline.6. Life Cover, Wills and the Family Wealth FortressWhy life insurance should be written in trust to avoid swelling your estate.Using whole‑of‑life, second‑death cover to fund an inevitable IHT bill.The basics everyone should have in place: will, LPAs, and an annual “estate stock take”.Actionable Takeaways:Assume the 2027 rules will affect you if you have pensions and other assets – start planning now.Calculate your current estate and repeat annually to see how close you are to IHT thresholds.Trace and tidy up old pensions; don't leave a mess for your executors.Learn the difference between gifting capital and gifting surplus income – and document income gifts carefully.Review life cover and trusts; consider SSAS if you're a business owner wanting to build and pass on wealth efficiently.Resources & Next Steps:Join the Waitlist and Get Your Free Inheritance Tax & Pensions Guide - Be the first to receive this essential guide as soon as it's readyWealthBuilders Membership: Free access to guides, webinars, and communityConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.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!

In the latest episode of the pod Andy's talking about the Labour Autumn budget, breaking it down into the stories that affect you and your money. Including:  The Cash ISA allowance cut Tax hikes Pensions, properties & more For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

George Graham is Director and Head of Fund at South Yorkshire Pensions Authority. He has spent a long career in public service, culminating in the last 8 years at SYPA, and prior to that he spent his career in various finance roles at Oxfordshire, Northamptonshire, Chorley, Lancashire and LPP. He is Governor and Vice Chair of Barnsley College as well as Independent Chair of the Local Pension Board at Lincolnshire County Council. George will be retiring from his role as Head of Fund at SYPA at the end of the year, and this discussion was an opportunity to reflect on a career in which public service dominated, and against which a dramatically changing market backdrop cast a long - and positive - shadow. We track his early insights into the challenges of local government, and how his finance roles started to overlap with the investment function. This sight of the investment function led him to be an early mover in local government pooling - starting with the Lancashire and LPFA merger a decade ago - and he explains why the rationale is, for him, so clear cut as the demands of institutional investing have grown.We speak too about his commitment to local investing as well as to a sustainability agenda, which, as in many of his endeavours has been bold and ahead of its time. Finally we reflect on learnings from a long and varied career, about the development of a leadership style, about learning to go against a natural tendency to be more introverted and deliberately reach out to team members to support them. We end with a discussion of legacy, which in George's case will be a long and impactful one. Series 5 of 2025 is kindly sponsored by Diamond Hill. Diamond Hill invests on behalf of clients through a shared commitment to its valuation-driven investment principles, long-term perspective, capacity discipline and client alignment. An independent active asset manager with significant employee ownership, Diamond Hill's investment strategies include differentiated US and non-US equity, alternative long-short equity and fixed income.

A new report into the Department for Work and Pensions blames repeated Tory failures for pushing hundreds of thousands of unpaid carers into debt and distress. Plus: Why right-wing slop is taking over social media. With Aaron Bastani, NoJusticeMTG, Dale Vince & Chris Bratt (PeopleMakeGames).

Millions of people are set to get a pay rise from April due to an increase in the minimum wage, the government has announced ahead of Wednesday's Budget. The hourly rate for over-21s will rise by 50p to £12.71, with workers aged 18-20 seeing an 85p rise to £10.85, and under-18s and apprentices getting 45p more to £8 an hour. However, businesses have warned that further increases to the minimum wages could result in hiring freezes. We hear from the Secretary of State for Work and Pensions.Also on the programme: US President Donald Trump is sending his envoy Steve Witkoff to Moscow to speak with Russian President Vladimir Putin, amid continuing talks to end the war in Ukraine.And a new BBC documentary recounts a little-known water contamination scandal that rocked communities in Cornwall in the 1980s.

Sir Steve Webb, former pensions minister and partner at LCP, tells MoneyWeek Talks how he is proud of the triple lock pension system, which gives the state pension a much-needed boost.Plus, he explains why young people should be able to release some of their pension savings to help them get onto the housing ladder and why renting in old age is not a good idea.Host: Kalpana Fitzpatrick, digital editor, MoneyWeek

We went live, the chat exploded, and a listener voiced what so many feel but rarely say out loud: “I've followed the rules—so why doesn't my Retirement Plan feel safe?” https://www.youtube.com/live/gFQYEJWlWpI Bruce gave me the look that says, “Let's tell the truth.” Because we've seen it over and over: neat projections, tidy averages, and a plan that works—until the world doesn't. Markets don't ask permission. Inflation doesn't use a calendar. Life throws curveballs, blessings, and bills. If your Retirement Plan only survives in a spreadsheet, it's not a plan—it's a hope. Today, let's trade hope for structure and anxiety for action. What You'll Gain From This GuideYour Retirement Plan Isn't Just Math—It's LifeRetirement Planning Risks You Can't IgnoreSequence of Returns RiskInflation and the Cost-of-Living SqueezeTaxes (The Leak You Don't See)Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a GuaranteeThe Cash-Flow ToolkitFoundations — Guaranteed Income in RetirementFlexibility — Cash Value Life InsuranceDiversifiers — Alternative Income InvestmentsRetirement Plan Buckets Liquidity / “Free” Bucket (safety net)Income Bucket (essentials)Growth / Equity Bucket (long-term engine)Estate / Legacy Layer (optional)Taxes: Design for Control, Not SurpriseBehavior, Purpose, and Work You LoveInfinite Banking—Where It Fits in a Retirement PlanWhat Makes a Strong Retirement Plan?Take the Next StepBook A Strategy CallFAQWhat makes a strong retirement plan?Is the 4% rule safe for my retirement plan?How do taxes impact my retirement plan?Can whole life fit into a retirement plan?What are retirement income buckets?How can I protect my retirement from inflation?What's the role of annuities vs bonds in a retirement plan?Who qualifies as an accredited investor? What You'll Gain From This Guide In this article, Bruce and I break down what actually makes a strong Retirement Plan for real families: Why accumulation-only thinking creates a false sense of security—and how to pivot toward reliable income. The big retirement planning risks to plan for: sequence of returns risk, inflation and retirement, and taxes. Why the 4% rule retirement guideline is a starting point, not a promise. How to use retirement income buckets—in the same language we used on the show—to avoid selling at the worst time. Where guaranteed income in retirement, cash value life insurance, and (when appropriate) alternative income fit. How Roth conversions, withdrawal sequencing, and structure put you back in control. You'll walk away with a practical framework to move from “big balance” thinking to a Retirement Plan you can live on—calmly. Your Retirement Plan Isn't Just Math—It's Life Static models vs dynamic lives.As Bruce said, no family is static. Monte Carlo averages over 50–100 years don't describe your next 20. Averages hide timing risk. If poor returns arrive early while you're withdrawing, “average” performance won't save the plan—cash flow will. From accumulation to income.Most of us were trained to chase a number. But the goal of a Retirement Plan isn't a pile—it's predictable cash flow you can spend without gutting your future. That shift—from “How big?” to “How dependable?”—changes the tools you choose and the peace you feel. Use the LIFE purpose filter.We run every dollar through a purpose lens: Liquid, Income, Flexible, Estate. When each bucket has a job, decisions get simpler and outcomes get sturdier. Retirement Planning Risks You Can't Ignore Sequence of Returns Risk How Your Retirement Plan Avoids Selling Low Sequence risk is the danger of bad returns showing up early in retirement. If your portfolio drops while you're taking income, you must sell more shares to fund the same lifestyle. That shrinks the engine that's supposed to recover—and can cut years off a plan. Your protection: hold dedicated reserves and reliable income so market dips don't force sales. (We'll detail our buckets in a moment—exactly as we discussed on the show.) Inflation and the Cost-of-Living Squeeze Build Inflation Awareness Into Your Retirement Plan Prices don't rise politely. Even modest inflation, compounded, squeezes fixed withdrawals. Bond yields, dividend cuts, and rising living costs can collide. Your protection: blend growth and income that can adjust, avoid locking everything into fixed payouts that lose purchasing power, and review spending annually so your Retirement Plan keeps pace with reality. Taxes (The Leak You Don't See) Retirement Plan Tax Strategy & Withdrawal Sequencing Withdrawals from tax-deferred accounts are ordinary income. That can: Push you into higher brackets Trigger IRMAA Medicare surcharges Increase the taxation of Social Security Complicate capital gains planning Your protection: design taxable, tax-deferred, and tax-free buckets; use Roth conversions in favorable years; and sequence withdrawals to manage brackets and RMDs—not the other way around. Is the 4% Rule Still Useful? The 4% Rule Is a Guide, Not a Guarantee Stress-Test Withdrawal Rates You Can Actually Live With We don't hate the 4% rule; we just refuse to outsource your life to it. Yields, inflation, fees, and timing change the math. When low-yield years pushed chatter toward “2.8%,” it proved the point. A better approach: Stress-test 3%–5% withdrawal rates. Add non-market income (pensions, annuities vs bonds, business/real-asset cash flow). Keep dedicated reserves so you don't sell at the bottom. Turn a rule of thumb into a plan. The Cash-Flow Toolkit Foundations — Guaranteed Income in Retirement Cover Essentials, Then Take Prudent Risk A predictable floor is priceless. Pensions, Social Security, and income annuities can cover core expenses so volatility doesn't dictate your grocery list. You trade some upside for contractual certainty—and many families prefer sleeping well to chasing every basis point. Flexibility — Cash Value Life Insurance Downturn Buffer, Tax-Advantaged Access, and Legacy Backfill Done properly, this can strengthen a plan: Downturn buffer: use cash value to fund spending during market slides—avoid selling equities at a loss. Tax-advantaged access: policy loans/distributions (managed correctly) can supplement income without spiking taxable income. Legacy backfill: the death benefit protects a spouse and replenishes assets for heirs, letting you spend with confidence. This is one reason infinite banking retirement thinking resonates: control and optionality matter when life isn't linear. Diversifiers — Alternative Income Investments Accredited Investor Rules, Liquidity, and Position Size For those who qualify under accredited investor rules, private credit, income-oriented real estate, or operating businesses can provide alternative income investments with lower correlation to public markets. They're not risk-free and often lack daily liquidity—so size positions prudently. The draw is simple: steadier cash flow vs accumulation. Retirement Plan Buckets We didn't frame them by time horizons on the episode; we framed them by purpose. Here's the exact structure we discussed and use with families: Liquidity / “Free” Bucket (safety net) Cash, money market, CDs, cash value life insurance.Purpose: fund spending and surprises without touching equities during a downturn; bridge timing gaps so sequence risk doesn't bite. Income Bucket (essentials) Social Security, pensions, annuity income, bond ladders, durable dividend payers.Purpose: dependable monthly cash flow for core lifestyle needs so markets don't control your paycheck. Growth / Equity Bucket (long-term engine) Broad equity exposure and other long-term growth assets.Purpose: outpace inflation and periodically refill income/liquidity buckets. Estate / Legacy Layer (optional) Life insurance death benefit, beneficiary designations, trusts.Purpose: protect a spouse and pass values + capital with clarity. Taxes: Design for Control, Not Surprise Roth conversions:Convert slices of tax-deferred money when brackets are favorable to grow your tax-free bucket. Withdrawal sequencing:Blend taxable/Roth/tax-deferred withdrawals to target bracket thresholds, manage IRMAA, and soften RMDs later. Give with intention:If charitable, consider appreciated assets or bunching strategies; align with your estate plan. We also coordinate tax buckets—taxable, tax-deferred, and tax-free (Roth/cash value)—so your Retirement Plan controls brackets, IRMAA, and RMDs rather than the other way around. A tax-smart Retirement Plan can add years of sustainability without asking for more market risk. Behavior, Purpose, and Work You Love Clarity about why the money matters anchors behavior when markets wobble. Travel with grandkids? Fund ministry? Launch a family venture? Purpose steadies the hand. And one more lever: if you enjoy your work, consider delaying full retirement. Each extra year can improve the math dramatically—more contributions, fewer withdrawal years, and potentially higher Social Security benefits. Infinite Banking—Where It Fits in a Retirement Plan Lenders profit from your lifetime financing. Strengthening your family's “bank” can keep more control in your hands: Finance major purchases through your system rather than outside lenders—recapture more interest. Maintain cash value as a volatility buffer. Use the death benefit to protect a spouse and fund legacy goals. It's not magic. It's discipline and design—complementary to the rest of your Retirement Plan. What Makes a Strong Retirement Plan? Built for dynamic lives, not static spreadsheets. Prioritizes cash flow you can spend, not just a big balance. Plans around sequence risk, inflation, and taxes—on purpose.

Shaun uncovers more government corruption - this time with the juges! PLUS, John Tamny, Political Editor of Forbes.com and author of Deficit Delusion: Why Everything Left, Right, and Supply-Side Tells You About the National Debt is Wrong, tells Shaun that capitalism will survive. And Martha Byrne, author of In The Interest of Justice: One Woman's FIght Against a Weaponized Justice Department to Save Her Husband, and her husband Michael McMahon tell Shaun how their family was ripped apart when Michael was falsely convicted of working for the Chinese Communist Party when in fact it was the Department of Justice who had partnered with our greatest enemy.See omnystudio.com/listener for privacy information.

Host Brian Walsh takes up ImpactAlpha's top stories with editor David Bank. Up this week: Beyond investments and guarantees, how Encourage Capital assembled the necessary pieces to unlock capital flows for the global clean energy transition; The missing markets for local builders and buyers of health, wealth, and vibrant communities (09:30); And, how European pension funds learn to stop worrying and love the companies making bombs (12:35).Story links:“⁠A case study in unlocking lending to small businesses to accelerate solar in India⁠,” by C3's Harvy Koh“⁠Making missing markets for local builders (and buyers) of health, wealth and vibrant communities⁠,” by David Bank and Roodgally Senatus“⁠European pension funds said ‘no' to defense investments. Then came Ukraine… and Trump⁠,” by Danielle Rossingh

Host Brian Walsh takes up ImpactAlpha's top stories with editor David Bank. Up this week: Beyond investments and guarantees, how Encourage Capital assembled the necessary pieces to unlock capital flows for the global clean energy transition; The missing markets for local builders and buyers of health, wealth, and vibrant communities (09:30); And, how European pension funds learn to stop worrying and love the companies making bombs (12:35).Story links:“A case study in unlocking lending to small businesses to accelerate solar in India,” by C3's Harvy Koh“Making missing markets for local builders (and buyers) of health, wealth and vibrant communities,” by David Bank and Roodgally Senatus“European pension funds said ‘no' to defense investments. Then came Ukraine… and Trump,” by Danielle Rossingh

Is your emergency account considered safe money? How does your pension fit in? One retiree is confused about the messages the financial industry is sending. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Choosing between a company pension and a lump-sum payout is one of the biggest financial decisions many pre-retirees will ever face—especially for workers in industries facing layoffs or restructuring, like the major oil companies in Houston right now. Lance Roberts & Danny Ratliff break down the key factors to consider when comparing a lifetime pension annuity versus taking a lump-sum distribution you can invest or convert into a private annuity. Using a real-world scenario from a viewer—age 64, a $700,000 lump-sum offer, and a sizable 401(k)—we explore the risks, trade-offs, and questions every retiree should ask before making the call. 0:00 - INTRO 0:19 - Why Nvidia Matters 2:53 - Yes, Virginia, Draw Downs Happen 9:50 - 2026 Economic Summit Preview 10:39 - It's Just a 3% Pullback 13:01 - The Risk Range Report explainer 16:56 - E-Mail Query: Lump Sum or Pension? 19:45 - Pensions are Going the Way of the Dinosaurs 21:29 - Do Not Have a Lump Sum Check Written to You 22:55 - Pensions have no COLA 25:01 - Plan for Higher Taxes in the Future 26:49 - The YouTube Poll 29:07 - Once You're Done, You're Done 33:58 - Lump Sums & Annuities: Be Careful! 38:30 - Understand Your Options

Choosing between a company pension and a lump-sum payout is one of the biggest financial decisions many pre-retirees will ever face—especially for workers in industries facing layoffs or restructuring, like the major oil companies in Houston right now. Lance Roberts & Danny Ratliff break down the key factors to consider when comparing a lifetime pension annuity versus taking a lump-sum distribution you can invest or convert into a private annuity. Using a real-world scenario from a viewer—age 64, a $700,000 lump-sum offer, and a sizable 401(k)—we explore the risks, trade-offs, and questions every retiree should ask before making the call. 0:00 - INTRO 0:19 - Why Nvidia Matters 2:53 - Yes, Virginia, Draw Downs Happen 9:50 - 2026 Economic Summit Preview 10:39 - It's Just a 3% Pullback 13:01 - The Risk Range Report explainer 16:56 - E-Mail Query: Lump Sum or Pension? 19:45 - Pensions are Going the Way of the Dinosaurs 21:29 - Do Not Have a Lump Sum Check Written to You 22:55 - Pensions have no COLA 25:01 - Plan for Higher Taxes in the Future 26:49 - The YouTube Poll 29:07 - Once You're Done, You're Done 33:58 - Lump Sums & Annuities: Be Careful! 38:30 - Understand Your Options

Ian McKnight is a long-time asset management CIO who currently holds a portfolio of roles, including as Chief Investment Officer of Tontine Trust, Senior Adviser of Cartwright, Hineni Capital and Giants Shoulders Capital as well as a series of other roles. He previously was Chief Investment Officer at Royal Mail for over 13 years.    Our conversation starts with Ian's start as an actuary and how he found himself gravitating towards pensions – his affinity for working with people and problem solving made him a natural fit. We discuss some of his core investment beliefs including how to take calculated risks, and use examples of some of the innovative strategies he employed while CIO at Royal Mail. We discuss how government regulation (and attitude to risk) can hamstring investment opportunities and what can be done to avert this. Ian explains Tontine Trust's potential to disrupt the annuity market by offering income for life with better returns. Ian also stressed the importance of networking, mentorship, and entrepreneurial spirit, advocating for a cultural shift in the UK to foster innovation and risk-taking.Series 5 of 2025 is kindly sponsored by Diamond Hill. Diamond Hill invests on behalf of clients through a shared commitment to its valuation-driven investment principles, long-term perspective, capacity discipline and client alignment. An independent active asset manager with significant employee ownership, Diamond Hill's investment strategies include differentiated US and non-US equity, alternative long-short equity and fixed income.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  The City of Chicago is staring down a $1.15 billion deficit, $53 billion in pension debt, and a credit downgrade—yet its treasurer, Melissa Conyers-Irvin, is making headlines for boycotting U.S. Treasury purchases to protest Donald Trump's immigration policies. Overseeing a $10 billion investment portfolio with a 3.6% annual return, Conyers-Irvin's move raises eyebrows as she pushes into a Congressional run while critics question her financial acumen, past ethics investigations, and unconventional résumé. Meanwhile, Mayor Brandon Johnson floats new taxes, high-interest borrowing schemes are shot down, and Standard & Poor's is sounding alarms. This segment dives into the political theatrics, the staggering fiscal reality, and the leadership choices steering one of America's biggest cities into deeper uncertainty.

France has one of the most generous pension systems in the world. But several governments there have collapsed over questions about how the government will fund it. All over the world, aging populations are forcing governments to rethink their assumptions. Today on the show, what France's political fiascos teach all of us about the economics of an aging population, and what a retirement expert's ideal retirement system might look like.Mercer CFA Institute Global Pension Index 2025Related episodes: What would it take to fix retirement? What does the next era of Social Security look like? When Retirement Advice Goes Viral For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.  Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

On this week's episode of "Financial Planning: Explained”, host Michael Menninger, CFP welcomes back Nick DeVito, CFP. Nick is a partner and financial planner at Menninger & Associates Financial Planning. This is the second episode of a two-part series on pension plans. In this episode, Mike and Nick talk about pension election options & survivor benefits as well as factors to weigh such as lump sum vs. annuities. This is a great episode for anyone with a pension plan. ​ For more information on Menninger & Associates Financial Planning visit https://maaplanning.com.

Nigel Farage promised to set out his fiscal stall in a major speech in the City of London, but what did he actually say? Pippa Crerar and Kiran Stacey discuss Farage's retreat from its election promise to cut £90bn of taxes, his failure to commit to the pensions triple lock and his desire to woo the wealthy. Meanwhile, Rachel Reeves continues to labour on the autumn budget. What's going on behind the scenes? Send your thoughts and questions to politicsweeklyuk@theguardian.com. Help support our independent journalism at theguardian.com/politicspod