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In this special live edition of Retire Well, Matthew and Joe react to the Chancellor's latest Budget announcement and separate the headlines from the reality. They explore what the Budget means for retirees, investors, savers, business owners, landlords and anyone planning for their financial future. Topics include changes to the State Pension, ISA allowances, savings tax, rental income taxation, business asset disposal relief, inheritance tax planning and the continuing impact of frozen tax thresholds. The discussion also covers the Government's efforts to encourage investing, support first-time buyers, tackle the cost of living, and stimulate economic growth, while answering live audience questions throughout the session. Key topics include: State Pension and triple lock changesFrozen tax thresholds and fiscal dragCash ISA and Stocks & Shares ISA updatesNew first-time buyer savings incentivesHigher tax rates on savings interest and rental incomeBusiness exit planning and Capital Gains Tax changesPension and inheritance tax considerationsEnergy support measures and cost-of-living updatesWhat the Budget means for investors and retirees Whether you're already retired, approaching retirement, or simply want to understand how the latest Budget could affect your finances, this episode provides a practical, jargon-free breakdown of the announcements that matter most. Want personalised advice? Get in touch with the Wealth of Advice team to discuss how these changes could affect your financial plan and retirement goals. -- CHAPTERS 00:00 - Intro 01:15 - Growth & Inflation Outlook 03:51 - State Pension & Tax Allowance Changes 10:15 - ISA Changes 17:20 - Tax on Savings & Rental Income Increases 25:20 - Impact on Small Businesses 30:50 - Inheritance Tax & Help with Energy Bills 35:50 - What Wasn't Included In The Budget -- TALK TO US Call us: 0191 384 1008 Email us: [email protected] Website: www.retirewellpodcast.co.uk -- SUBSCRIBE TO OUR NEWSLETTER Subscribe to our newsletter for monthly retirement planning insights. 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.

In this listener Q&A episode of Retire Well, Matthew and Joe tackle some of the most common retirement and estate planning questions submitted by viewers and listeners. Drawing on real-life scenarios, they explain why defined benefit pensions are often considered the "gold standard" of retirement planning, when it may be appropriate to start estate planning, and how trusts can fit into a wider inheritance tax strategy. The conversation also explores the realities of gifting money to family, the often-misunderstood £3,000 gifting allowance, how the seven-year inheritance tax rule works, and why many retirees focus too much on tax efficiency at the expense of enjoying their retirement. Matthew and Joe discuss the importance of creating a clear financial plan before making significant gifts and share their thoughts on balancing legacy planning with personal financial security. They also answer questions about equity release, explain how these products work behind the scenes, and discuss whether one-off financial advice reviews can provide the same value as an ongoing advice relationship. In this episode: Why defined benefit pensions are so valuableWhen to start estate planning and inheritance tax planningTrusts vs direct gifting: what's the difference?Understanding the seven-year inheritance tax ruleCommon myths about the £3,000 gifting allowanceUsing equity release as an estate planning toolThe benefits of ongoing financial advice If you have a question you'd like covered in a future episode, leave a comment or get in touch with the Retire Well team. -- CHAPTERS 00:00 - Intro 00:57 - Why are Defined Benefits so good? 08:40 - When should you start paying into a Trust? 16:08 - How are different gifts treated for IHT? 24:43 - How does equity release work? 31:40 - Do you provide one off fixed fee reviews? -- JOIN OUR BUDGET Q&A 28th October 2026, 5:30 PM - 6:30 PM https://www.retirewellpodcast.co.uk/events -- TALK TO US Call us: 0191 384 1008 Email us: [email protected] Website: www.retirewellpodcast.co.uk -- SUBSCRIBE TO OUR NEWSLETTER Subscribe to our newsletter for monthly retirement planning insights. 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.

With the Autumn Budget approaching, speculation is once again dominating the headlines. But how much of it is worth worrying about?In this episode of Retire Well, Matthew and Joe cut through the noise to discuss some of the biggest budget rumours currently making the rounds. They explore potential changes to the State Pension, the future of the triple lock, tax-free cash from pensions, Capital Gains Tax, ISA reforms, and the upcoming inheritance tax changes affecting pensions from April 2027.More importantly, they explain why making hasty financial decisions based on newspaper headlines can often do more harm than good. Drawing on real examples from previous budgets, they discuss the importance of sticking to a long-term financial plan and focusing on what you can control rather than trying to predict government policy.Whether you're retired, approaching retirement, or simply wondering what the latest budget rumours could mean for your finances, this episode provides a balanced, practical perspective on what to watch, what to ignore, and how to stay focused on your long-term goals.In this episode:The latest speculation around the Autumn BudgetWhat Labour's proposed State Pension changes could meanWhy tax-free cash rumours continue to grab headlinesPotential Capital Gains Tax reformsPension inheritance tax changes coming in 2027New ISA rules and allowancesThe impact of frozen tax thresholdsWhy a solid financial plan matters more than budget speculation📅 Join Matthew and Joe live on 28 October at 5:30pm as they break down the Budget announcements and discuss what they mean for retirement planning.https://www.retirewellpodcast.co.uk/events--CHAPTERS00:00 - Intro02:30 - State Pension Triple Lock05:10 - Social Care08:00 - Pensions: Tax-Free Cash11:45 - Capital Gains Tax17:00 - Pensions & Inheritance Tax20:20 - ISAs25:05 - Frozen Allowances26:45 - Pre Budget Actions29:15 - Budget Webinar--JOIN OUR BUDGET Q&A28th October 2026, 5:30 PM - 6:30 PMhttps://www.retirewellpodcast.co.uk/events--TALK TO USCall us: 0191 384 1008Email us: [email protected]: www.retirewellpodcast.co.uk--SUBSCRIBE TO OUR NEWSLETTERSubscribe to our newsletter for monthly retirement planning insights.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.

For many people, speaking to a financial adviser feels like a big step. Whether you're approaching retirement, facing redundancy, receiving an inheritance, or simply wondering if you're on the right track, knowing when to seek advice can be difficult.In this episode of Retire Well, Matthew and Joe take you behind the scenes of the financial planning process. They discuss the life events that often prompt people to seek advice, what actually happens during a first meeting with an adviser, how recommendations are developed, and why financial planning is about much more than picking investments.The conversation explores the importance of goals-based planning, the value of having an experienced guide during major life decisions, and why good financial advice is often as much about asking the right questions as providing the right answers. Whether you've never spoken to an adviser before or you're considering seeking advice ahead of retirement, this episode offers a practical look at what to expect and how financial planning can help bring clarity and confidence to your future.📅 Join Matthew and Joe live on 28 October at 5:30pm as they break down the Budget announcements and discuss what they mean for retirement planning.https://www.retirewellpodcast.co.uk/events--CHAPTERS00:00 - Intro00:45 - What prompts someone to get advice?04:28 - What happens in the first meeting?13:09 - What should you bring?19:13 - What happens after a first meeting?28:24 - Who gets the most value from advice?29:40 - Who might not need a financial planner?35:20 - Closing thoughts--JOIN OUR BUDGET Q&A28th October 2026, 5:30 PM - 6:30 PMhttps://www.retirewellpodcast.co.uk/events--TALK TO USCall us: 0191 384 1008Email us: [email protected]: www.retirewellpodcast.co.uk--SUBSCRIBE TO OUR NEWSLETTERSubscribe to our newsletter for monthly retirement planning insights.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.

If you’re planning to retire before State Pension age, how do you fund the years in between? In this episode of Retire Well, Matthew and Joe explore how to bridge the retirement income gap by making the most of the different assets available to you. They discuss why retirement planning shouldn’t just focus on pensions, and how cash savings, ISAs, defined contribution pensions and defined benefit pensions can all play a role in creating a sustainable and tax-efficient income. They also look at using your Personal Allowance before the State Pension kicks in, whether it can make sense to take a defined benefit pension early, and why being tax efficient shouldn’t come at the expense of enjoying the retirement you’ve worked for. Plus, they explore how your financial plan may need to change once the State Pension starts, from investment decisions and gifting to inheritance and estate planning. Finally, Matthew and Joe discuss how potential inheritances should fit into a retirement plan and why regular reviews are so important as your goals, tax rules and circumstances change. -- CHAPTERS 00:00 - Intro 02:49 - What do you have available to fill the gap? 06:28 - Role of cash in retirement 08:11 - What tax-efficient sources you can use? 12:30 - How defined benefit pensions change your income need 18:40 - What changes at State Pension Age? 23:00 - Importance of Ongoing Advice 26:55 - Summary, Listeners Question and Outro -- JOIN OUR BUDGET Q&A28th October 2026, 5:30 PM - 6:30 PM https://www.retirewellpodcast.co.uk/events -- TALK TO US Call us: 0191 384 1008 Email us: [email protected] Website: www.retirewellpodcast.co.uk -- SUBSCRIBE TO OUR NEWSLETTER Subscribe to our newsletter for monthly retirement planning insights. 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.

How long could a £500,000 pension really last in retirement? And what could make your money last longer, or run out sooner? In this episode of Retire Well, Matthew and Joe explore what a £500,000 pension could mean for someone approaching retirement, looking at different levels of retirement income and the impact of the State Pension. They also discuss why investment growth, inflation and the timing of market movements can make such a significant difference to your retirement plan. They explore how much investment risk you might consider in retirement, the importance of keeping sufficient cash available, and why your spending is likely to change throughout different stages of retirement. The conversation also moves beyond the numbers to an equally important question: are you making the most of the money you’ve worked hard to build? Plus, Matthew and Joe answer a listener question about whether people ever regret retiring too early, and why retirement planning should start with what you want from life rather than simply focusing on a target pension value. -- CHAPTERS 00:00 - Introduction 01:06 - How long will an uninvested pension last? 02:16 - How investment returns can change the outlook 12:38 - The risk of inflation 16:51 - How your income changes over time 23:28 - Listeners Question 26:25 - Outro -- TALK TO US Call us: 0191 384 1008 Email us: [email protected] Website: www.retirewellpodcast.co.uk -- SUBSCRIBE TO OUR NEWSLETTER Subscribe to our newsletter for monthly retirement planning insights. 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.

In this episode of Retire Well, Matthew and Joe answer more of your retirement and financial planning questions. They explore why defined benefit pensions are often considered the “gold standard”, what happens to AVCs when you take your pension, and whether a fixed-term annuity triggers the Money Purchase Annual Allowance. They also discuss how upcoming inheritance tax changes could affect pension death benefits and whether your pension nominations need to form part of your will. Plus, they look at whether it’s possible to save too much into your pension when you’re younger, how to plan for potential care costs later in life, and how equity release actually works when you’re already retired. If you have a question you’d like Matthew and Joe to answer in a future Q&A episode, leave a comment on YouTube or Spotify, or get in touch via the Retire Well website. In this episode: Why are defined benefit pensions considered the gold standard?What happens if you don’t take your AVC as tax-free cash?Do fixed-term annuities trigger the Money Purchase Annual Allowance?Do pension nominations need to be included in your will?When can you stop contributing to your pension?How much should you plan for future care costs?How does equity release work in retirement? -- CHAPTERS00:00 - Introduction 00:50 - Are DB pensions the gold standard? 04:10 - DB pensions & AVC options 09:04 - Does an Annuity trigger the MPAA? 13:00 - Should my pension be in my Will? 17:30 - DB advice costs 23:20 - Can I over contribute to my pension? 29:30 - Care costs explained 34:53 - Equity release logistics -- TALK TO US Call us: 0191 384 1008 Email us: [email protected] Website: www.retirewellpodcast.co.uk -- SUBSCRIBE TO OUR NEWSLETTER Subscribe to our newsletter for monthly retirement planning insights. 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.

Are you planning for retirement and wondering whether your savings will be enough? In this episode of the Retire Well Podcast, Matthew and Joe from Wealth of Advice discuss five hidden retirement costs that many people overlook when building their retirement plan. While most people account for regular monthly expenses, it's often the unexpected and irregular costs that can have the biggest impact on long-term financial security. Topics covered include: Home maintenance, repairs, and renovationsReplacing and running a car in retirementThe long-term impact of inflationSpending more money simply because you have more free timeSupporting children and grandchildren through gifting and financial help The episode also explores practical ways to plan for these costs, including contingency funds, cash flow modelling, and creating a retirement strategy that reflects real life rather than just monthly bills. Whether you're approaching retirement or already retired, this conversation will help you avoid common planning mistakes and build greater confidence in your financial future. Have a retirement question? Leave it in the comments and it could feature in a future Q&A episode. Subscribe for more retirement planning and financial advice content every week. -- CHAPTERS 00:00 - Introduction 01:11 - Maintaining, Running & Updating Your Home 06:40 - Replacing Your Car 10:20 - Inflation 17:20 - Having More Time to Spend 22:30 - Helping Your Loved Ones -- TALK TO US Call us: 0191 384 1008 Email us: [email protected] Website: www.retirewellpodcast.co.uk -- SUBSCRIBE TO OUR NEWSLETTER Subscribe to our newsletter for monthly retirement planning insights. 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.

When it comes to retirement income, is it better to have guaranteed certainty or maximum flexibility? In this episode of Retire Well, Matthew and Joe explore one of the biggest questions retirees face: how much guaranteed income do you actually need? They discuss the role of State Pensions, defined benefit pensions and annuities, alongside flexible options such as drawdown, ISAs and cash savings. The conversation goes beyond the typical annuity-versus-drawdown debate, focusing instead on how guaranteed and flexible income can work together to create a retirement plan that matches your spending needs, attitude to risk and long-term goals. You'll learn: What counts as guaranteed income in retirementWhy essential spending is often the starting point for retirement planningHow State Pensions, defined benefit schemes and annuities fit into the pictureThe advantages and challenges of flexible income through pensions, ISAs and cashWhy cash can play an important role in retirement securityHow your need for guaranteed income may change throughout retirementThe relationship between guaranteed income, investment risk and peace of mindWhy stress-testing your retirement plan is so important Whether you're approaching retirement or already drawing an income, this episode will help you think more clearly about the balance between certainty and flexibility, and how to build a retirement income strategy that lets you sleep well at night. -- CHAPTERS 00:00 - Introduction 01:13 - What counts as guaranteed income? 03:24 - What spending needs to be secure? 07:28 - Your guaranteed income sources 10:30 - How much income should you guarantee? 20:15 - Changing your income over time -- TALK TO US Call us: 0191 384 1008 Email us: [email protected] 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.

Retirement is one of the biggest financial and lifestyle transitions you'll ever make, but how do you know you're truly ready? In this episode of Retire Well, Matthew and Joe discuss the five essential things to think about before retiring. From understanding what your retirement lifestyle will actually cost, to mapping out your income sources, maximising tax-efficient opportunities, managing mortgages and cash reserves, and stress testing your plan against the unexpected, they share practical insights to help you retire with confidence. You'll learn: Why retirement planning should start with spending goals, not pension valuesHow to build a reliable retirement income planThe role of pensions, ISAs, cash savings and other assets in retirementWays to maximise tax efficiency in your final working yearsWhether paying off your mortgage before retirement is the right moveHow much cash you might want to hold as a safety netWhy stress testing your retirement plan can help you avoid costly mistakes Whether retirement is five years away or just around the corner, this episode will help you think beyond the numbers and focus on building a retirement plan that's both financially secure and personally fulfilling. -- CHAPTERS 00:00 - Introduction 01:05 - What will retirement actually cost? 06:18 - Mapping your retirement income 12:22 - Being tax-efficient in your final working years 18:24 - Mortgages, cash balances and major spending 25:50 - Stress testing the plan -- TALK TO US Call us: 0191 384 1008 Email us: [email protected] 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.

As retirement progresses, financial priorities often shift from building and spending wealth to protecting it. In this episode of Retire Well, Matthew and Joe explore the final stage of financial planning, focusing on care fee planning, inheritance tax mitigation, gifting strategies and leaving a meaningful legacy. The discussion covers key questions many retirees face in their 70s and beyond, including how to fund potential care costs, whether to gift assets during your lifetime, and how trusts can help protect wealth for future generations. Matthew and Joe also explain discounted gift trusts, business relief investments, immediate needs annuities, lasting powers of attorney and the importance of reviewing estate plans as legislation changes. Using the latest chapter of their ongoing case study, they demonstrate how later life planning is about balancing your own financial security with the desire to support children, grandchildren and loved ones. Topics covered: Care home fee planning and common misconceptionsGifting money to family and the seven-year ruleTrusts and inheritance tax planningDiscounted Gift Trusts explainedBusiness Relief investments and estate planningLasting Powers of AttorneyImmediate Needs Annuities for care costsBalancing financial security with leaving a legacy For more retirement planning insights, subscribe to the Retire Well podcast and join the conversation. 📩 Have a question for the podcast? Email us at: [email protected] 🔔 Subscribe for more retirement and financial planning insights. -- CHAPTERS 00:00 - Introduction 02:39 - Reassessing Your Income & Expenditure 04:15 - Approaching Risk In Later Life 08:45 - Considering Care Fees 18:44 - Reducing Inheritance Tax 24:00 - Discounted Gift Trusts 29:35 - Business Relief 32:55 - Case Study -- TALK TO US Call us: 0191 384 1008 Email us: [email protected] 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.

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 timeThe risk of becoming too cautious with spendingHow annual reviews can uncover new opportunitiesTax-efficient ways to access retirement incomeDeciding where to take lump sums fromGifting money to children and grandchildrenInheritance tax planning strategiesThe role of trusts, surplus income gifting, and insuranceWhy 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: [email protected] 🔔 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: [email protected] 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.

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 50sPension consolidation before retirementCash flow modelling and retirement income planningTax-free cash: when should you take it?Pension drawdown vs annuitiesInvestment risk approaching retirementHow to avoid running out of money in retirementRetirement lifestyle and life after workGifting money to children and retirement planningInheritance and legacy considerationsCommon 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: [email protected] 🔔 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: [email protected] 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.

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: [email protected] 🔔 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: [email protected] 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.

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 payslipTax, National Insurance and workplace pensions explainedThe value of employer pension contributionsBuilding an emergency fundSaving for a first home and Lifetime ISAsCash savings vs investing for shorter-term goalsProtecting your income and future earning potentialFinding 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: [email protected] 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.