Retire Well with Wealth of Advice

An educational podcast which focuses on helping you Retire Well, brought to you by Financial Planners at Wealth of Advice.We'll chat about our own experiences with clients, how we helped with their retirement journey and what you need to know to make sure you can Retire Well.Insights on pensions, investments, retirement plans and more, Retire Well hopes to make your retirement dreams a reality.Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909.

Retire Well with Wealth of Advice is a education podcast hosted by Wealth of Advice, with 83 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Wealth of Advice hosts Retire Well with Wealth of Advice, a education show with 83 episodes published.

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  Episode #83

  83: Have You Got Enough To Retire and Are You Making the Most of It?

  Aug 18, 202636 min

  Retirement isn't just about reaching the finish line. Once you've stopped working and settled into life after employment, a new set of financial questions begins to emerge. In this episode of Retire Well, Matthew and Joe explore what happens when retirement becomes reality. They discuss how retirees can reassess their financial position, determine whether they're spending enough to enjoy life, and identify opportunities they may be overlooking. Topics include: Why retirement plans should evolve over time The risk of becoming too cautious with spending How annual reviews can uncover new opportunities Tax-efficient ways to access retirement income Deciding where to take lump sums from Gifting money to children and grandchildren Inheritance tax planning strategies The role of trusts, surplus income gifting, and insurance Why wills and lasting powers of attorney should be regularly reviewed Using the ongoing case study of Alex and his spouse, Matthew and Joe explain how financial priorities often shift from accumulating wealth and generating income to thinking about legacy, family support, and estate planning. Whether you're recently retired or several years into retirement, this episode offers practical guidance on making the most of your hard-earned wealth while ensuring your plans remain aligned with your goals. Have a question for the podcast? Email us at: retirewell@wealthofadvice.co.uk Subscribe for more retirement and financial planning insights. -- CHAPTERS 00:00 - Introduction 01:29 - Revisiting & Reviewing Your Plan 07:56 - Excess Savings 10:40 - Benefits Of Taking Advice 18:28 - Decisions & Tax Consequences 21:11 - Early Stage Estate Planning 27:20 - Mechanics of a Loan Trust 28:56 - Wills & Lasting Powers of Attorney 31:38 - Case Study -- TALK TO US Call us: 0191 384 1008 Email us: retirewell@wealthofadvice.co.uk Website: www.retirewellpodcast.co.uk -- SUBSCRIBE TO OUR NEWSLETTER www.retirewellpodcast.co.uk --- Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

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  Episode #82

  82: Retirement Planning in Your 50s & 60s: Can You Afford to Retire?

  Aug 11, 202633 min

  Are you approaching retirement and wondering "Can I afford to retire?" In this episode of Retire Well, chartered financial planners Matthew and Joe explore the key retirement planning decisions facing people in their 50s and early 60s. Whether you're thinking about retiring at 55, 60 or 65, this episode covers how to assess your retirement readiness, make the most of your pension, and avoid common retirement mistakes. Topics covered: How much money do you need to retire? Retirement planning in your 50s Pension consolidation before retirement Cash flow modelling and retirement income planning Tax-free cash: when should you take it? Pension drawdown vs annuities Investment risk approaching retirement How to avoid running out of money in retirement Retirement lifestyle and life after work Gifting money to children and retirement planning Inheritance and legacy considerations Common pension mistakes to avoid We also discuss a real-world retirement case study involving a couple aged 58 with £900,000 in pensions and £120,000 in ISAs, exploring whether they can retire and how best to structure their income. If you're searching for guidance on retirement planning UK, pension drawdown, retirement income, how much pension you need to retire, or when to retire, this episode is packed with practical insights. Have a question for the podcast? Email us at: retirewell@wealthofadvice.co.uk Subscribe for more retirement and financial planning insights. -- CHAPTERS 00:00 - Introduction 02:48 - Pre-Retirement Planning 08:25 - Your Investments Pre-Retirement 13:10 - Using Your Pensions For Income 20:51 - Longevity and Estate Planning 25:00 - Psychology of Retiring 27:57 - Case Study: Planning at 58 Years Old -- TALK TO US Call us: 0191 384 1008 Email us: retirewell@wealthofadvice.co.uk Website: www.retirewellpodcast.co.uk -- SUBSCRIBE TO OUR NEWSLETTER www.retirewellpodcast.co.uk --- Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

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  Episode #81

  81: Your 30s & 40s - Smart Financial Decisions for Your Future

  Aug 4, 202633 min

  Are your 30s, 40s or 50s feeling like a constant balancing act between mortgages, family costs, career progression and saving for retirement? In this episode of Retire Well, Matthew and Joe explore the key financial decisions that often arise between ages 30 and 50. From navigating tax traps and childcare thresholds to deciding whether to overpay your mortgage, invest through ISAs or boost pension contributions, they break down the opportunities and challenges many families face during these crucial wealth-building years. Topics covered include: ✅ The £60,000 child benefit threshold and what it means for families ✅ The £100,000 income tax trap and how pension contributions can help ✅ Pension vs mortgage overpayments: which should come first? ✅ Cash ISAs vs Stocks & Shares ISAs ✅ Pension consolidation and changing jobs ✅ Protecting your family with emergency funds, life cover and income protection ✅ Real-life financial planning examples and retirement modelling ✅ How to balance today’s priorities with tomorrow’s retirement goals Whether you're climbing the career ladder, raising a family, managing a mortgage or simply trying to make smarter financial decisions, this episode will help you think more strategically about your money. Have a question for the podcast? Email us at: retirewell@wealthofadvice.co.uk Subscribe for more retirement and financial planning insights. -- CHAPTERS 00:00 - Introduction 02:21 - What Tax Traps To Look Out For 09:45 - How to Prioritise Your Goals And Funds 15:50 - Using Your ISA Allowance 18:53 - Cashflow Modelling & Estate Planning 24:30 - Life Insurance, Income Protection & More 26:47 - Case Study -- TALK TO US Call us: 0191 384 1008 Email us: retirewell@wealthofadvice.co.uk Website: www.retirewellpodcast.co.uk -- SUBSCRIBE TO OUR NEWSLETTER www.retirewellpodcast.co.uk --- Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

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  Episode #80

  80: Early Stages Planning - Age 18 to 30

  Jul 28, 202631 min

  What should you do with your first payslip? How much should you be paying into your pension? And how do you balance saving for a house, travelling, and enjoying life in your 20s? In the first episode of our new life stages mini-series, Matthew and Joe explore the key financial priorities for people aged 18-30. From understanding tax, National Insurance and workplace pensions to building an emergency fund and saving for your first home, they discuss the foundations that can set you up for long-term financial success. Using a practical case study, they examine how to prioritise competing goals such as paying off debt, building savings, travelling, and planning for the future, while highlighting why good financial habits matter more than getting every decision perfectly right. Whether you're starting your career, helping a son or daughter navigate their finances, or simply looking to refresh your knowledge, this episode offers practical guidance on making informed financial decisions in the early stages of adulthood. In this episode: Understanding your first payslip Tax, National Insurance and workplace pensions explained The value of employer pension contributions Building an emergency fund Saving for a first home and Lifetime ISAs Cash savings vs investing for shorter-term goals Protecting your income and future earning potential Finding the right balance between saving, spending and enjoying life -- CHAPTERS 00:00 - Introduction 03:10 - Understanding Your First Payslip 09:22 - Time Is Your Superpower 10:45 - How Should I Be Using My Money 15:30 - Saving For The Long Term 22:47 - How Do You Protect Yourself? 24:55 - Case Study: How to Prioritise 28:31 - What Matters Now and What Can Wait? -- LIVE Q&A Join our next live Q&A by registering on our website: https://www.retirewellpodcast.co.uk/events -- TALK TO US Call us: 0191 384 1008 Email us: retirewell@wealthofadvice.co.uk Website: www.retirewellpodcast.co.uk -- SUBSCRIBE TO OUR NEWSLETTER www.retirewellpodcast.co.uk --- Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

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  Episode #79

  79: 7 Irreversible Retirement Decisions

  Jul 21, 202637 min

  Retirement is full of choices, but some decisions are much harder to undo than others. In this episode of Retire Well, Matthew and Joe explore seven key retirement decisions that deserve careful thought before taking action. They discuss why taking tax-free cash without a clear plan could limit your future flexibility, how accidentally triggering the Money Purchase Annual Allowance (MPAA) can affect future pension contributions, and why timing matters when starting a defined benefit pension or purchasing an annuity. The conversation also covers the importance of planning as a couple, stress-testing your retirement plans against unexpected events, and putting essential estate planning documents such as wills and Lasting Powers of Attorney in place before they're needed. The episode finishes with a listener question about transferring a defined benefit pension and explains why some retirement decisions require specialist advice, even when they seem straightforward. Whether you're approaching retirement or already retired, this episode highlights the areas where taking a little more time to plan today could save a lot of regret tomorrow. Topics covered: Tax-free cash: when taking it makes sense and when it might not The Money Purchase Annual Allowance (MPAA) explained Annuities and defined benefit pensions: timing your decisions Planning for a surviving spouse or partner Stress-testing your retirement income strategy Wills, inheritance planning and Lasting Powers of Attorney Defined benefit pension transfers and why advice matters -- CHAPTERS 00:00 - Introduction 00:40 - Taking Tax-free Cash Without a Plan 04:45 - Accidentally Triggering the Money Purchase Annual Allowance 09:20 - Starting Guaranteed Income Too Early 16:58 - Ignoring Your Spouse When Planning 23:20 - Retiring Without Stress Testing 25:08 - Leaving Estate Planning Until Its Too Late 29:05 - Listener's Question -- LIVE Q&A Join our next live Q&A by registering on our website: https://www.retirewellpodcast.co.uk/events -- TALK TO US Call us: 0191 384 1008 Email us: retirewell@wealthofadvice.co.uk Website: www.retirewellpodcast.co.uk -- SUBSCRIBE TO OUR NEWSLETTER www.retirewellpodcast.co.uk --- Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

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