Fit Finance Sessions: Recent Episodes
Efficient Portfolio
Does money confuse you? If so, you're not alone! Our expert team at Chartered Financial Planning firm, Efficient Portfolio, have decided to come together to solve this problem and help answer some of your questions.From the impact of politics, through to the inside tricks of the trade, we host a monthly podcast where you can find out more about how to positively impact your finances, better achieve your goals, and reduce the stress and confusion surrounding your wealth.
What if the key to unlocking exponential business growth was in the small, consistent improvements you make every day?
In this episode, we introduce The Game of Gains – a powerful framework that leverages the "marginal gains" philosophy to generate incremental improvements across all areas of your business. Learn how focusing on small 10% improvements, from systems to team dynamics, can lead to breakthrough innovation and unstoppable growth.
Discover how continuous progress, not big leaps, is the true driver of success.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss where inflation is being seen and the expected effects on the market.
If you've got any financial topic that you'd like to see covered, please get in touch with us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss Charlie Reading new book, The Life Legacy Gift and the kind of things you should think about when planning your legacy.
If you've got any financial topic that you'd like to see covered, please get in touch with us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners go through a general update on the property market, crypto and stocks.
If you've got any financial topic that you'd like to see covered, please get in touch at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss what an ISA is, the types of ISAs available and the benefits and misconceptions associated with them.
If you've got any financial topic that you'd like to see covered, please get in touch with us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss Discretionary Investment Management and the pros and cons of this process.
If you've got any financial topic that you'd like to see covered, please contact us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss the best way to assess your finances, including reviewing and rebalancing your investment portfolio, reviewing your insurance policies and trusts and ensuring your initial financial plan is still on track.
If you've got any financial topic that you'd like to see covered, please get in touch at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss how to introduce the concept of finances to your children and skills to introduce early on to help them develop good habits with their money.
If you've got any financial topic that you'd like to see covered, please get in touch with us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss the latest news topics and give their thoughts on the financial headlines.
If you've got any financial topic that you'd like to see covered, please contact us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss the lifetime allowance cap being frozen, pension protection and what you can do if you’re concerned about this issue.
If you've got any financial topic that you'd like to see covered, please contact us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss what qualifies as a gift and the exemptions and other rules surrounding gifting.
If you've got any financial topic that you'd like to see covered, please get in touch with us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss the cautious approach a lot of pubs are taking to reopening and the current situation regarding inflation.
If you've got any financial topic that you'd like to see covered, please contact us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss what rebalancing your portfolio actually means, the pros and cons involved and the two main types of rebalancing.
If you've got any financial topic that you'd like to see covered, please get in touch with us at hello@efficientportfolio.co.uk below and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, the Financial Planners sit down with Efficient Portfolio’s Mortgage Adviser, Andrea, to talk about critical illness cover, the scenarios in which taking critical illness cover would prove to be useful, reviewing your protection when purchasing a house and the choices that are available with this type of insurance.
If you've got any financial topic that you'd like to see covered, please contact us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners give an overview of bonds including how they work, their general characteristics, the status of the bond markets and alternative investment options.
If you've got any financial topic that you'd like to see covered, please contact us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners go through some planning ideas to set up the new tax year in the most profitable and tax efficient way possible.
If you've got any financial topic that you'd like to see covered, please get in touch at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners take inspiration from a recent BBC News article and discuss five ‘animals’ you might spot in the financial jungle, from black swan events to stag investors - and what they may mean to you should you encounter them.
If you've got any financial topic that you'd like to see covered, please contact us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss the havoc the American hedge fund, Archegos Capital, has caused recently.
If you've got any financial topic that you'd like to see covered, please contact us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss the details of the recent UK pension legislation changes and the affect they may have on those intending to retire early.
If you've got any financial topic that you'd like to see covered, please contact us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss the US economy, recent volatility in the market and the potential effects of inflation.
If you've got any financial topic that you'd like to see covered, please email us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss how businesses have adapted to working from home and how this new work/life balance this may affect job role considerations for people going forward.
If you've got any financial topic that you'd like to see covered, please contact us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners dissect a few of the key points from yesterday’s budget statement.
If you've got any financial topic that you'd like to see covered, please contact us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss what Boris Johnson’s most recent announcement will mean for the markets in general and also touch on employment rates and the proposed corporation tax increase.
If you've got any financial topic that you'd like to see covered, please get in touch with us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss the new fund being set up by Neil Woodford, Stamp Duty in the upcoming budget and Elon Musk’s investment in Bitcoin.
If you've got any financial topic that you'd like to see covered, please get in touch at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners get into the nitty gritty of Capital Gains Allowance.
If you've got any financial topic that you'd like to see covered, please contact us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss the internet’s mass opposition of hedge funds, in what appears to be an anti-establishment move.
If you've got any financial topic that you'd like to see covered, please contact us at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss how business owners can be more tax efficient in their approach to running their business and what options are available to improve their financial planning.
If you've got any financial topic that you'd like to see covered, please email victoria@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners discuss the potential economic impact of the new policies Joe Biden will be bringing in with his Presidency in the US.
If you've got any financial topic that you'd like to see covered, please send us an email at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
In this week’s Adviser Fit Finance Sessions podcast, Efficient Portfolio’s Financial Planners revisit Bitcoin to address its continuing volatility and touch on other ‘safe-haven’ assets. They also run through pension allowances and encourage you to think about your pension contributions sooner rather than later.
In the first Adviser Fit Finance Sessions podcast of the year, Efficient Portfolio’s Financial Planners discuss the rapid increase in the valuation of Bitcoin and the volatility and regulations to bear in mind when thinking of investing in it.
On the final day of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio discuss the sorts of things you should consider when selling your business.
On day 23 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what the benefits and risks are to investing in residential property.
On day 22 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what Inheritance Tax is and how planning around this topic works.
On day 21 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain the different kinds of Trusts and how they’re used.
On day 20 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what Critical Illness and Income Protection cover is and how each of them work to protect your money in a worst case scenario with your health.
On day 19 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain the different types of life insurances/assurances and how they work.
On day 18 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what a Discretionary Fund Manager or Discretionary Investment Manager is and the role they perform as well as the benefits and drawbacks of using one.
On day 17 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what a platform is and how they’re used.
On day 15 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what an annuity is, and the pros and cons involved.
In day 14 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain how to drawdown from your pension and what risks are involved with that strategy.
In day 13 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what Enterprise Investment Schemes are (EIS) and the risks, restrictions and benefits of them.
In day 12 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what Venture Capital Trusts are and the risks to be aware of.
In day 11 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what Investment Bonds are and the advantages and drawbacks of them.
In day 10 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what a Defined Benefit Pension (DB Pension) or Final Salary Pension is, how it works as well as the benefits and risks associated with them.
In day 9 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what a Defined Contribution Pension (DC Pension) is, how it works and the risks in owning one.
In day 8 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what ISAs (Individual Savings Accounts) are and how to use them.
In day 7 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what fixed interest bonds are and the things to consider about them.
In day 6 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what shares are and the benefits and drawbacks investing in them.
In day 5 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what ESG (Investments Ethical, Social and Governance) funds are and the factors you should take into account when considering them.
In day 4 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain what a cashflow forecast is and how useful they are but the caution needed when using one.
In day 3 of the Fit Finance Advent Advice special podcasts, the Financial Planners at Efficient Portfolio explain Alternative Asset Classes and the benefits they may have for your portfolio.
In day 2 of the Fit Finance Advent special podcasts, the Financial Planners at Efficient Portfolio explain what commercial property investments are and the benefits and risks associated with them.
In this very special advent calendar series of Fit Finance podcasts, the Financial Planners at Efficient Portfolio delve into a new financial top tip every day in the lead up to Christmas. On day 1, we explain what financial planning actually is.
This week, the Financial Planners at Efficient Portfolio discuss the announcement made by Rishi Sunak regarding the spending review and what this might mean for the UK.
If you've got any financial topic that you'd like to see covered, please let us know at hello@efficientportfolio.co.uk and we will try to incorporate this into a future podcast.
As part of their ongoing series of special episodes of the Fit Finance Session podcast on explaining financial concepts, this week the Financial Planners at Efficient Portfolio explain what Capital Gains Tax is, how it is calculated and what the current rates are.
This week the Financial Planners at Efficient Portfolio look at the latest news from the past week including the COVID vaccine, the Tory party and US presidential upsets and positive signs in the market.
This week the Financial Planners at Efficient Portfolio discuss the affect the second lockdown may have on the market and financial portfolios.
This week the Financial Planners at Efficient Portfolio host a special episode of the Fit Finance Sessions Podcast, in which they discuss what financial planning actually is, the difference between planning and advice and how having a robust financial plan is beneficial both now and in the long term.
This week the Financial Planners at Efficient Portfolio look at the property market, a COVID vaccine, Brexit and the US election.
This week, Efficient Portfolio’s Financial Planners touch briefly on international tax legislation, recent news on insurance and what potential negative interest rates might mean for your portfolios and savings.
This week, Efficient Portfolio’s Financial Planners talk about the Job Entry Targeted Support (JETS) scheme, the buoyancy in the housing market and cladding in flats causing issues with mortgages.
In this month's Fit Finance Sessions, we were privileged to be joined by one of Roythorne's Solictor's partners, Mike Matthews.
If you are thinking of selling, or even buying a business, this podcast is most definitely for you. Mike offers his expert insight into the best ways to achieve the highest price and most lucrative deal for your business, and offers some clear guidance on the best (and worst) ways to achieve a sale that works for you.
This week, the Financial Planners at Efficient Portfolio discuss the economic impact of the American elections, the progress being made with Brexit and the current strength of the Pound as well as a brief mention of Rishi Sunak’s decision to end the furlough scheme and cancel the Budget.
In this week's episode, the Advisers at Efficient Portfolio discuss the potential effects of a second wave of the Coronavirus on the UK market. They also briefly touch on the Bank of England interest rates, the repricing of NS&I products and the recent FinCEN files scandal.
In this month's Fit Finance Sessions, we were joined by James McBain Allan from Bishopsgate Corporate Finance.
For many business owners, understanding when and how to exit their business is a fundamental goal and a core concern.
James has extensive experience in helping people to both buy and sell companies, so shares some of his expertise in this podcast. He explains how to successfully exit your business, and also how to enhance its value and smooth the sales process.
In this week’s episode, Efficient Portfolio’s Financial Planners briefly touch on state pension legislation and child trust funds vs Junior ISAs as well as our latest Stock Market and currency updates.
If you've got any financial topic that you'd like to see covered, please comment below and we will try to incorporate this into a future podcast.
This week, two of the Financial Planners at Efficient Portfolio share their thoughts on Rishi Sunak’s potential tax rises and the possible implications.
For many people, bricks and mortar feels like a safe bet when it comes to making the most of your investment. But is the return worth the risk?
In this week's Adviser Fit Finance Sessions, Chartered Financial Planners, Tom Senogles and Tim Webb, will be looking at the different yields that property vs diversified investments could offer and weigh up the pros and cons of investing solely in property.
In this week's episode of the Adviser Fit Finance Sessions, the Financial Planners at Efficient Portfolio briefly touch on our nomination for Ethical Advocacy from the Wealth Partnership Awards and go on to explain what ethical funds and portfolios are and how they've been performing.
This week the Financial Planners at Efficient Portfolio look at the differences between the Credit Crunch of 2008 and how it differs from the Covid Crisis of 2020.
We also provide you with our latest Stock Market update and answer your questions on how much you need to invest and the best times to enter into the market.
This week the Financial Planners at Efficient Portfolio give us a market update and consider the tricky topic of when and where to invest (SPOILER- diversification is still key!)
In this week's episode, the Financial Planners at Efficient Portfolio look at ways to get the economy moving forward, even before a COVID-19 vaccine is in place.
Some important topics are covered in this short podcast, including our predictions on tax increases, and the shift in our global mindset about what is truly important in life.
This week our podcast focuses on the outcomes of Rishi Sunak's latest #Budget announcement. Covering everything from Stamp Duty, through to discounts and VAT cuts, this short podcast discusses how the latest initiatives will impact you.
This week the Financial Planners at Efficient Portfolio break dinner party rules and talk #politics.
From the latest in the USA to our predictions on the upcoming mini-#Budget on Wednesday 8th July 2020, this latest podcast looks at how taxes and costs could be impacted in light of #COVID-19
In our latest podcast, the Financial Planners take a look at the financial issues that have hit the globe this week, including fraud in Germany, trade wars between USA and China, and how mortgages are being impacted by COVID-19.
COVID-19 has undoubtedly had a huge impact upon the economy. But what does it mean on a personal level, and what will the future look like?
In this week's Adviser Fit Finance Sessions, Tom, Henry and Tim discuss how sectors such as retail will be impacted, now and in the coming months and years.
This month we are joined by Giles Brooke, the CEO of Vita Coco, and the driving force behind brands such as Bear and Urban Fruit.
Giles is an inspirational entrepreneur who specialises in working in partnership with businesses to develop the right strategy to unlock the potential in their brand or concept. The insight in this podcast is a must for business owners looking to their company to the next level.
This week the Financial Planners at Efficient Portfolio met up to discuss the proposed changes to VAT and what this could mean for Income Tax and the economy.
This week, Tom, Henry and Tim met up to discuss how inflation can impact your wealth and the steps you can take to reduce the risk of erosion on your investments.
Each week our team of Chartered Financial Planners, Henry, Tim and Tom, will give you a brief overview of the week's hottest financial topics.
In this podcast, we bring together 4 members of the Efficient Portfolio team to hear about how they believe that the company culture they have to helped to create is the driving force behind our firm's success.
In these turbulent and uncertain times, the landscape can look bleak. Largely owing to COVID-19, the markets have seen a sharp decline, which we know can cause our clients a great deal of stress and uncertainty.
To try and help with this, yesterday we met up (albeit via web-call) with Discretionary Investment Managers PortfolioMetrix, to gain their insight and guidance.
I hope you find it valuable and insightful.
In this edition we meet with the co-founder of Monzo Bank, Jason Bates. Jason offers an incredibly insightful take on fin-tech and where modern technology can take us and our money. A must listen for anyone obsessed with technology and innovation.
This month we were fortunate enough to be joined by High Performance Coach, Claudia Paula, who shared some of her tips for success and better health.
Claudia helps individuals find clarity and discover what it is that is most thing important for you. From here she can help you to develop a strong mindset to strive for it.
An incredibly insightful podcast, which I hope you'll enjoy.
In June I had the pleasure of speaking at our industry's global conference, called the 'Million Dollar Round Table'. At this exciting event, I was fortunate to meet a former Financial Planner turned retirement coach called Peter Graham.
Peter, who hails from Australia, has been in the financial services for over 50 years and brought with him a wealth of experience, knowledge and interesting insights.
In a change from our usual format, this month's Fit Finance Sessions is a recording of a conversation I had with Peter, where we discussed why retirement is about so much more than money, and explored some useful tips, tricks and ideas for anyone who is considering retiring, or who who has already quit work and is living their 'Life 2.0'.
Peter is an exceptional chap and he really opened my eyes to some poignant facts about retirement, and shared with me his thoughts on how to maximise your later years, so you can fill them with health and happiness.
You may have heard the expression ‘living for the weekend’- willing the working week away, so that you can spend two precious days with your loved ones, enjoying all of your favourite things. Sadly, it often becomes interspersed with ‘domestic admin’, like DIY and cleaning. That’s why so many of us outsource these tasks: leaking pipes are swiftly dealt with by a plumber; the new extension is expertly constructed by builders; and gardeners break a sweat on our behalf. So why would you happily offload these tasks but not the hassle of your mortgage?
Purchasing a new home, remortaging, or buying a commercial property, can be incredibly time-intensive; it can also incur many unforeseen costs, and prove to be complex beyond belief! Yet, time and time again, most of us opt to go it alone and try to source a mortgage ourselves, mainly because it’s seen to be the ‘cheaper option’.
The truth is that using an expert can be invaluable. Mortgages can be far more complicated than you may first think and there are many layers to mortgage planning, which can be overlooked. In addition, going it alone can actually cost you more in both money and time, so using a broker can be beneficial all round.
Whole of the Market
Going to your local bank to secure a mortgage may seem like the most obvious choice, but can they give you exactly what you need? If the explosive rise of internet shopping has taught us all one thing, it’s to shop around! Your local bank may be friendly, but they could be expensive, not provide you with everything you need and may not be able to provide the aftercare you deserve. They can also only provide their products and are not able to tell you that there’s a better deal at their rival company. An independent Mortgage Broker can. They are able to look for the best mortgage for you from the whole of the market. They aren’t on the lender’s side, they’re on yours, and are able to offer a far wider range of opportunities and choice than if you went direct.
Complex Laws
Over the last few years, the rules governing mortgages have also significantly tightened: Affordability is scrutinised, background checks are far more in-depth and rate increases are now reviewed. Understanding these changes, and how they work in practice, means that a Mortgage Adviser can ensure that you are getting the best possible deal for your circumstances, in the quickest and most-cost effective way. They will also provide you with ongoing reviews, as and when your circumstances change.
The Bigger Picture
Like all aspects of financial planning, it is important to look at the bigger picture, and ensure that all everything is working together to help you achieve your goals. Typically, a Mortgage Broker will just advise you about your mortgage; in contrast, our mortgage solution integrates all elements of your plan. We can also look at any related life insurance, payment protection and even buildings and contents insurance you have to make sure that you have the most suitable protection in place. Having a safety net should be the cornerstone of your financial planning, so why risk your most valuable asset?
Are you worried that you’re not making the most out of your savings? And are you confident that you are creating sufficient income for the future? Astute investors make use of their tax-free allowances every year, and save thousands of pounds in the process. With the end of the Tax Year just around the corner, it’s a strategy to start thinking about.
An amusing, financial take on the popular TV programme QI. Join Charlie (our quizmaster), Henry, Toby and Tim, as they compete against each other to see who knows their codecils from their Durotrigans.
There are lots of ways to invest your money, but how are these investments best managed and facilitated? On this month's Fit Finance Sessions we bring together Discretionary Investment Managers PortfolioMetrix and Financial Planners Efficient Portfolio to discuss what they have done in the past, what they're doing now and how their clients have found Discretionary Investment Advice vs Advisory Investment Advice.
Drastic and often shocking moves from world leaders, coupled with ongoing changes to domestic legislation, all have an impact on your money. But what does the future bring and what can you do to safeguard your wealth and protect yourself from potential risks? In this first-ever podcast from the expert team at Efficient Portfolio, Charlie, Tom, Toby, Tim and Henry, bring you their thoughts on how politics is effecting your money and what you can do now to improve your future.