The UK Personal Finance Show: Recent Episodes
Phil Anderson
This podcast is designed to help people make money matters more understandable and straightforward. Financial planning and wealth management can be daunting at times and each week we take you through a series of topics designed to give the listener guidance on a range of financial matters.
The podcast features Phil Anderson who owns and runs a financial advisory firm in the north and north-east of Scotland. Phil previously worked as a financial adviser and he loves helping people. Phil shares plenty of hints and tips to help you get the most out of your money.
We delve into salary exchange schemes for electric vehicles, highlighting how these enable employees to drive electric cars while saving on taxes and reducing their carbon footprint. We explore the financial benefits for both employees and employers, the positive environmental impact, and share insights from industry experts Darren Woodall and Michael Hook from GoFor.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
On the podcast this week we delve into the world of property opportunities. Our guest expert, David Liddell from Liddell Property Investments, joins us to explore the lucrative realm of converting properties into AirBNBs and guest houses. Discover insider tips, valuable insights, and expert advice on maximising your property investments.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We delve into the often-overlooked intersection of money and mental health. We explore the taboo surrounding discussions about mental wellbeing in relation to personal finance. From the impact of financial stressors on mental health to debunking common myths, Phil looks to shine a light on the importance of addressing these issues openly and honestly. Discover practical strategies for managing financial stress, prioritising mental wellbeing, and rebuilding resilience in the face of adversity. Tune in to gain valuable insights and inspiration for navigating the complex relationship between money and mental health.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at the recent Spring Budget to see how it impacts from a financial planning perspective. Areas covered include cost-of-living measures, personal tax, savings, pensions and property tax.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at the various tax allowances and reliefs available for the tax year and Phil shares some financial planning tips to help reduce your tax bill. Some of the areas covered on this podcast include ISA’s, pensions/retirement planning, capital gains tax and inheritance tax.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Phil goes through some of the things that he has learned over the years from various coaches, speakers and books. He discusses techniques to help you improve your wealth and mindset to succeed with your finances.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
On this podcast we look at helping you prepare for the lifestyle you want in retirement. We discuss areas such as how much money will you realistically need to live on, at what age do you want to retire and retirement bucket lists.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Financial Adviser, Andrew Scouller, joins John this week to look at the recent Autumn Statement. We look at how this impacts people from a financial planning viewpoint and Andrew covers the key changes that are coming.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We are joined on this podcast episode by Adam Walkom who discusses his new book which is out this week. The book takes the reader through the financial planning process and in this episode we also touch on how financial planning can help you reach your short, medium and longer term goals.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Annual management fees, platform fees, initial financial adviser fees, ongoing financial adviser fees, exit fees, performance fees and bid-offer spreads…just some of the costs and charges that we touch on during the podcast this week.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we look at how you can make small improvements to your finances. We also look at how you can incorporate “marginal gains” when it comes to financial learning, your retirement plans and savings.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we are joined by Sam Rayner and Max Nordigan from Chrono Hunter. They set their business up with the goal of providing a safe place for watch lovers to buy and sell watches whilst ensuring the best possible price by comparing multiple offers from a trusted network of the finest luxury retailers across the country.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we chat Claims Management Companies. We look at what they do along with the pros and cons of using them should you have an issue with a financial product or service.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We are joined this week by Clare Humphreys from Will to Win. Clare helps people realise their true potential and achieve more. On this podcast we discuss limiting beliefs, habitual behaviours and changing the paradigm.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Financial adviser, Andrew Scouller, joins John this week to discuss the various degrees of risk people can take with their investments. Andrew also discusses the various portfolio structures for different risk categories.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Having a good credit score can help you get credit and it can also help you get credit on better terms. This week Phil shares ten tips to improve your credit score.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we are joined by Fiona Macintosh who provides coaching and training in the areas of wellbeing, motivation and leadership. Fiona talks about resilience, thinking and motivation factors.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Guest expert Kathryn Knowles from Cura joins us this week to look at life insurance for the over 60s. We look at the reasons why someone would need cover, look at the options available and discuss the options for applying for cover.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
According to a study last year by LV, 56% of working adults would feel more financially resilient if they had insurance that pays an income if they couldn’t work due to illness or injury. The same study also found that 1 in 4 workers don't have Income Protection but would like to have it. This week we look at income protection insurance and the features and benefits of this sort of plan. Ep 155 - Income Protection Awareness Week
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
In this episode we look at the ways that you can pay for financial advice, how much it will cost and some of the benefits of taking regulated financial advice.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Pound cost averaging is effectively drip feeding an investment rather than investing everything in one go. It can take away some of the worry around long-term investing. On this podcast we look at the advantages and disadvantages of this approach.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Phil and John discuss the options if you are thinking about accessing your pension pot. They also look at the options for your pension when you want to take the benefits from it and cover annuities and drawdown.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at what is meant by the term cash is king. We also discuss what inflation means for your savings and cover the pros and cons of having your money in cash.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Tom Stokes is an Investment Director with Aviva Investors and he joins us this week on the podcast where we discuss investment markets, inflation, artificial intelligence and China.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Lisa Schoneville from Blok Property Management joins us this week to look at serviced accommodation. If you are considering investing in property or looking at different ways to boost your investment returns this podcast is for you.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Andrew Scouller is standing in for Phil this week as he is on holiday. John and Andrew look at with-profits investments and they discuss the advantages and disadvantages of this type of fund.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This type of mortgage can be useful for parents or family members who want to help someone else buy a home without taking ownership of the property. Mortgage adviser, Laura Stephen, joins John this week to look at Joint Borrower Sole Proprietor Mortgages.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at the difference between savings and investments. We discuss risk versus reward and also at the various asset classes where people can invest.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Leaving an inheritance can be a complicated and sensitive area of financial planning. It’s an emotive topic which requires careful navigation and planning, but it’s a conversation worth starting sooner rather than later.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Ross Anderson from Jones Whyte Solicitors joins us to go through some options for protecting your estate. In this episode we look at probate costs, sideways disinheritance, care costs and options to protect your assets.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Laura Stephen from Phil Anderson Financial Services joins us this week to look at women in financial services. We discuss the opportunities for women in financial planning, the gender pay gap and explore the challenges faced by women when it comes to balancing career ambitions with family responsibilities.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we look at what life insurance is, the different types of cover available and factors that influence the costs. We look at where you can get quotes for life cover, reasons you should consider taking out cover and the benefits of doing your plan in trust.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Tony Lister from estate agent Hamish joins us to look at whether now is a good time to buy a home.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
On this podcast Phil shares lots of tips and ideas for generating extra money.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at the options for those with no deposit to put down. We discuss the Skipton Building Society Track Record Mortgage and the criteria to qualify for this option. We also look at other ways to buy a property when you have no deposit to put down.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
David Liddell from Liddell Property Investments joins us this week to look at investing in residential property. We look at the benefits of investing in property and also discuss property sourcing, portfolio building, joint ventures and adding value to property.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we discuss budgeting, financial protection, emergency funds, savings and building assets. We look at where to get started and cover the basics for managing your money.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We are joined this week by Mark Gask who has galleries in Scotland and Estonia. We look at the popularity of investing in art and look at the do’s and don’ts. Mark also shares his knowledge of how to get started in investing in art.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
John is again joined by Andrew Scouller and this week they look at National Savings and Investments. In this episode we look at premium bonds, Green Savings Bonds, Income Bonds and the other options available through NS&I.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Phil is on holiday this week so John is joined by his colleague Andrew Scouller to look at Capital Investment Bonds. Andrew explains what they are, who they can benefit, and the reasons to consider this type of investment.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Guest expert Paul Cherry from Chersun joins us this week to look at buying property overseas. Paul is based in Spain and shares some great tips if you are looking to purchase a property overseas.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
What is an NFT? How do NFT’s work? What sort of NFT’s do you get? Is investing in a NFT a good idea? Are NFT’s expensive and is it easy to get scammed? These are some of the questions asked on this week's podcast where we look at non-fungible tokens (NFT’s).
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Chancellor of the Exchequer, Jeremy Hunt, delivered his first Spring Budget on 15 March declaring it was “A Budget for Growth.” We look at the key points from a financial planning perspective and look at the changes to pensions which were announced.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
It is estimated that almost 1 in 3 people have been impacted by gazumping and gazundering when buying and selling property in the last 10 years. This week we look at what each is and ways you can try not to be gazumped or gazundered when moving home.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
ChatGPT is a natural language processing tool driven by AI technology that allows you to have human-like conversations and much more with a chatbot. The language model can answer questions, and assist you with tasks such as composing emails, social media posts and Phil even had it write him a press release. We look to see if it can help you with financial advice.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We are joined this week by Dr Reuben Wilcock from Blackfinch Group to look at Venture Capital Trusts and Enterprise Investment Schemes. We discuss how these investments work and also look at the tax advantages with this type of investment. We cover the various benefits and also the risks involved.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
In this episode we look at why trusts are not just for the rich and famous. We look at some of the benefits of trusts including tax mitigation, speed of settling, flexibility and privacy benefits.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we look at what happens to your pension when you die. We look at tax implications, nomination of beneficiary forms and why it is important to keep things updated.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Business coach, Stuart Mason, joins us this week to look at why learning is so important when you are looking to earn more. On this podcast we cover vision boards, goals and Stuart gives us a run down of his favourite books.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
As the end of the tax year approaches, now is the perfect time to ensure you have your financial affairs in order and to double check you’ve taken advantage of all the tax-efficient allowances available to you. Some areas we look at this week include pensions, ISA’s, gifting for IHT purposes, CGT allowance and dividend allowance.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Kym Laxy from Mortgage Advice Bureau Elgin joins us to look at mortgage options for those with blips in their credit history.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at the different types of credit cards available and how they work. We cover cards for purchases, balance transfers, repairing your credit rating, reward cards and cashback cards. We cover the benefits of credit cards and also look at potential pitfalls.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Phil and John look at the differences between active and passive investing. During this podcast they look at the differences between the two and the pros and cons of each approach.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
What could be the best investment for you? This week Andrew Scouller steps in for Phil and he looks at property and pensions. Areas covered include taxation, tax reliefs, costs and past performance.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at whole of life insurance and the differences between this and term cover. We look at reasons why you would consider this type of plan and discuss inheritance tax planning and paying for your funeral.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
John and Phil look back at some of the podcasts that they recorded in 2022. They look at the most popular topics covered including Buy to Let and Financial Planning for Beginners.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Government figures showed 500,000 people withdrew £3.6billion from their pension pots between March and xMay 2022. Is it a good idea to draw money from your pension pots? What are the tax implications? What are the pros and cons of doing this? - Just some of the questions we look at on this week’s podcast.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
As the New Year approaches we look at getting your finances ready for 2023. We discuss goal setting, budgeting, New Year resolutions, wills, using your allowances and key dates for the year ahead.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Phil and John look at the recent budget and go through the various changes to income tax, capital gains tax and pensions.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Healthy eating is important and doesn’t need to be expensive. On this podcast we look at ideas to help you eat well and keep costs down.
Disclaimer
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Independent Financial Advisor, Cheryl Horne, covers for Phil this week as John & Cheryl sit down with Neil from Creditspring to discuss how using credit can help you manage your personal finances.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we look at investing in whisky. Alistair Moncrieff from Whisky Partners joins us and explains how to invest in casks of whisky. Alistair also speaks about the risks, tax situation, the angels' share, what to look for in a reputable dealer and some of his plans to disrupt the market going forward.
It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Dead cat bounce, pound cost averaging, bull markets, bear markets, bed & ISA, gearing and liquid assets - just some of the terms that we look at in this week's podcast. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Geoff Woodger from The Utility Warehouse joins us this week to look at how he can save you money on your energy bills. Geoff also discusses telecoms and broadband. During this episode Phil shares some tips to help you conserve energy and keep your bills down. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week John and Phi look at the options for “porting” an existing mortgage when you move home. We look at what happens if you borrow more or borrow less and we also look at the advantages that can be found in transferring a mortgage from one property to another. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Interest rates are on the rise and the cost of living has increased. Mortgage lenders have tightened their criteria and a lot of mortgage deals have been withdrawn from the market. We look at recent changes to stamp duty, the state of the property market and also look at the importance people's goals and aspirations are in deciding if now is a good time to buy a home. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Independent Financial adviser Andrew Scouller joins John on the podcast this week to look at the recent mini-budget. The podcast covers income tax changes, dividend tax, stamp duty changes and how these changes can impact on your financial plans. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Phil is off on holiday this week so John is joined by financial adviser Andrew Scouller in his absence to look at pensions for the self-employed. Andrew looks at why having a pension is so important if you are self-employed, how much you should be paying in and explains how the tax relief works on your contributions. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Charlotte is the CEO and founder of Netwealth. She joins us on the podcast this week to speak about her passion for disrupting the status quo in wealth management. We also look at financial wellness, charges in wealth management and the areas Netwealth specialise in. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Many of us dream of receiving a windfall. On this podcast we look at inheritances, receiving a bonus at work and winning the lottery. We look at capital gains tax, inheritance tax and Phil shares his top 5 tips upon receiving a windfall. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Colin Pennycook from Pension Income Planning Ltd joins us this week to look at Defined Benefit Pensions. We look at the certainty these give people along with protection from inflation. Colin also takes us through some of the reasons why someone would consider transferring out of a DB pension. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
A change in circumstances can have a huge impact on your finances. On this podcast we look at the importance of reviewing employer benefits, your pensions/retirement plans, and your mortgage when you change job. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
On this podcast we look at reviewing your finances during a cost of living crisis. Areas that we cover include pensions, life insurance, mortgages and budgeting. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at some of the best bits from the first 100 episodes of the UK Personal Finance Show podcast with Phil Anderson. We discuss our most popular shows and look ahead to some of the future topics that we plan to look at. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we look at the latest scams that are doing the rounds. We cover WhatsApp scams, email scams, identity theft, and Covid vaccination scams. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at the benefits of diversifying your investments and spreading risk. Andrew Scouller joins us to look at different asset classes and what he does to help people diversify their portfolios. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Phil and John look at how the mortgage market has changed this year due to rising interest rates, high inflation and the cost of living crisis. If you are looking to review a mortgage soon or move home in the near future then this podcast will interest you. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we look at how much life insurance people need. We consider covering debts, protecting dependents and cover to pay funeral/burial costs. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Recording and storing your financial details is such an important thing. We take a look at our “what I own and where it’s kept” document. We cover what is in this and the benefits of good financial record keeping. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at what inflation is, how it impacts on you and what you can do to make your money work harder to beat or keep pace with inflation. We look at how it impacts your pension, investments and what it means if you have a mortgage. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we look at what the stock market is and why people invest in it. We discuss stock brokers, fund managers and the pros and cons of stock market investing. We look at where you can find a stock broker and the routes you can go down if you use one. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
In a time that will be filled with shock and sadness, it may also be a time of unexpected financial strain. This week we look at benefits and entitlements if you suffer a miscarriage, stillbirth or neonatal death. We also look at where you can turn for emotional support. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We are once again joined this week by Clare Moffat from Royal London where we look at financial planning for women. We discuss pension gaps due to taking time off to have children and we also cover the menopause and its impact on a woman’s financial situation. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We are joined this week by guest expert Clare Moffat from Royal London. We look at how much you can pay into a pension and discuss the benefits of good financial planning when it comes to pensions for higher rate taxpayers. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we look at investing for children. We look at ways to fund private education, university fees, wedding costs and property deposits. On this podcast we cover Junior ISA's, child trust funds, personal pensions, premium bonds and trusts. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Alex Drummond from Drummond Finance joins us this week to look at commercial lending. We look at various areas including commercial mortgages, asset finance and invoice financing. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Guest expert Tom Buffham from Brewin Dolphin joins us on the podcast this week as we look at responsible investing. Some of the things we look at include sustainable investing, environmental issues and we also discuss “greenwashing.” Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We are joined this week by guest expert Cameron McLean to look at new build mortgages. We look at the advantages of buying a new property and also discuss some of the things to watch out for. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we look at what critical illness cover is and the benefits of having a policy in place to cover this. We look at how much cover you should have along with looking at provider claims history and how to compare the cover offered by the various insurers. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
With the current cost of living crisis more people are struggling to pay their mortgage. This week we look at what to do if you are finding it hard to pay your mortgage. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Phil and John are joined this week by James Irving-Lewis who is a life insurance expert at Phil Anderson Financial Services. We look at tax-efficient ways to set up your life insurance that can save you as much as 50% on your monthly premiums. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we cover the basics of financial planning and look at budgeting, life insurance, income protection, emergency funds, wills, Power of Attorney, financial goal setting, and retirement planning. If you don’t know where to start with planning for your financial future then this podcast is for you. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Phil and John look at twenty quotes from people such as Jim Rohn, Warren Buffet and Steve Jobs. If you are looking for a bit of motivation then this podcast is for you. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we look at financial planning for students and discuss budgeting, grants, student loans, student bank accounts and student discounts. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
High inflation, Brexit, Covid and the war in Ukraine have led to many people being nervous with their money. This week we look at various investment options including capital guaranteed products, structured deposits, cautious funds, gold and premium bonds. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at what Capital Gains Tax (CGT) is, allowances you have, and the rates at which tax is paid. We also look at ways a financial planner can help you plan for CGT. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
John and Phil are joined by guest expert Jessica Keniwell from Accord mortgages to look at 5 ways to cut your mortgage payments. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
On the podcast this week Phil and John look at various questions you should know about your financial situation. This episode covers a host of things including financial goals, disposable income, your retirement plans and also asks if your family would know what to do if you were to die. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we look at buildings and contents insurance. During this podcast we look at why price isn’t the most important factor when taking out cover and we also look at added extras such as home emergency cover, legal expenses and personal possessions away from the home. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
With ISA season upon us again, Phil and John look at whether you should invest in a cash ISA, stocks and shares ISA, or a combination of both. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
On this podcast episode we look at things to consider when getting married. Phil and John look at wills, prenuptial agreements, the marriage allowance, spousal exemption and post nuptial agreements. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Rising house prices have made it difficult for many first-time buyers to buy a home. On this podcast we look at ways you can help your children out from gifts to raising money against your own property. We also look at joint borrower, sole proprietor mortgages and also cover guarantor mortgages. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week Phil answers the most asked questions people ask about mortgages on Google. This includes what is a mortgage, how much can I borrow, and what is equity release? Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
January is historically a month where separations and divorce proceedings commencing often increase. In this episode we look at options such as selling up and moving home, and re-mortgaging to raise funds to buy the other party out. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at why it is important to teach children about money and discuss the ways you can do this. Kids who do better with money tend to have parents who talk to them about this and give them responsibilities for spending and saving from an early age. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week on the podcast we look at buying a property to let out. We cover things such as taxation, mortgage options, and options for using a limited company to do this. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at goal setting for the year ahead and discuss the sort of short-term financial goals you can aim for in 2022. Phil also shares some exercises and tips to help you achieve what you desire. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
When you make any investment it is important to understand what you are getting in to. This week we look at questions to ask before you invest in something and cover areas such as investment risk, accessibility and consumer protection. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
On this podcast Phil and John look at when to review your mortgage and the options available. They look at options for re-mortgaging, along with trying to get a better deal from your current lender. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Guest expert Tony Lister from Remax Elite Inverness joins us this week to share his 13 steps to market your property and achieve a quick sale. Tony discusses photos, virtual tours, floor plans, online portals and print media among other things as he shares his top tips. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
For many people Christmas seems to get more expensive every year. This week Phil and John look at ways to reduce your Christmas spend this year. Some areas that are discussed on this week’s show include toys, food, Christmas trees and travel costs. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
In the last few years we have had market turbulence prompted by Brexit uncertainty and further market volatility due to the COVID-19 pandemic. This often prompts investors to question whether now is a good time to invest or to remain invested. On this podcast we look at investing in uncertain times. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
With many local banks closing we look at various ways you can bank and also look at the different types of accounts available. We also look at everyday banking at the Post Office. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Over the last year we have seen many people look at setting up a new business. For some this has been forced by the pandemic and for others it is because they want their destiny to be in their own hands. We look at the various types of business you can set up and look at finance options, taxation and support for starting your new venture. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we are once again joined by guest expert Robert Cochran from Scottish Widows. With people changing jobs and moving home more frequently it can be difficult to keep track of all your pensions. We look at how to track down your old pension plans. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Joining us on the podcast this week is Robert Cochran who is a retirement expert with Scottish Widows. We look at workplace pensions and look at how they work, how much gets paid in and when you can access these. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
If you want to make sure the people you love are provided for after you’re gone, you’ll need to start making a plan. We look at the benefits of planning early and also touch on wills, setting up a Power of Attorney, knowing who stands to inherit your pension, and speaking to your loved ones about your plans. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Phil shares some of his top tips for financial goal setting. In this podcast we look at the importance of setting goals, planning and achieving your desired goals. We discuss various financial goals including paying off your mortgage early, buying that dream car and retirement goals. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at some of the costs you will incur when you start a family. We also look at budgeting, maternity leave and pay, paternity leave and pay, along with child benefit and other help. We also touch on how your pension can be impacted and briefly look at life insurance, wills, and children's savings accounts. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
According to Legal & General only 3% of people seek financial advice as part of their divorce but doing so can help ensure the separation is more likely to be fair and equitable, leaving all parties in the best shape to pursue the next chapter in their lives. This week we discuss pension sharing, earmarking and offsetting. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
If you have ever had thoughts about becoming a mortgage adviser or financial adviser then this episode is for you. Phil covers some of his journey and looks at the various ways to get into a career in financial services. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
On the podcast this week we look at ways you can purchase a car. We look at the various finance options available and discuss shopping around for the best finance deals. We also look at the various costs in running a car and look at ways you can reduce your motoring costs. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
The baby boom generation now hold over half of all UK private wealth. In contrast, today’s younger generation face significant obstacles to accumulating wealth, due to high levels of student debt, expensive housing and the rising cost of saving for retirement. As a result, there has never been such a wide disparity in wealth distribution between the older and younger generations and the need for intergenerational financial planning is more relevant than ever before. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
The last few years have seen a substantial rise in the popularity of sustainable and ethical investments, driven by an increasing desire for investors to know where their money is going and what it is being used for. We look at why you should invest responsibly and cover some of the basics of ESG investing. If you don’t know what ESG stands for then have a listen of this episode. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Inheritance Tax (IHT) receipts are at record highs. On the show this week we look at some of the basics of what IHT is, who it impacts and ways to mitigate and reduce any liability you might have. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Do I need life insurance? How much cover do I need? What is term insurance? What is a whole-of-life policy? How much does it cost? How can my adviser help? - Just some of the questions we look to answer on the podcast this week. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we look at all you need to know about premium bonds including your chances of winning a prize and how you can take them out. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We are joined this week by guest expert Chinyere Adeniyi-Alade who is the Chief Executive of Grampian Credit Union. We look at what services credit unions offer and where to find one in your area. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Andrew Scouller joins us on the show this week to share his vast knowledge of financial planning for teachers. He answers questions regarding pensions, AVC’s, investments and sickness benefits. Phil is also on hand to answer questions on mortgages for teachers. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week John and Phil are joined by Audrey Paterson who is a financial adviser based in Lanarkshire. Audrey speaks about her career in financial services, her health and her other business which gives her a passive income. We also speak about the importance of a good work/life balance and living a healthy life. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Christmas seems to come around earlier every year. On the podcast this week we look at the benefits of being organised for Christmas financially. We also discuss Christmas Savings Clubs, Supermarket Savings Schemes and budgeting. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Many people will protect their home, mobile phone, or pets with various insurance policies. But how many consider insuring the one thing that underpins all of this? This week on the podcast we look at “could you survive without an income?” Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
According to the financial regulator 60% of people stay with their existing provider when buying an annuity. They also say 8 out of 10 lose out by not switching. On the podcast this week we cover what an annuity is, the benefits of taking one out and the disadvantages of such arrangements. We also cover the different types of annuity available and also look at enhanced annuities. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at the different attitudes people have to money and also discuss things like setting spending limits, the need for both to know what is going on and what if your partner is spending too much. We look at the different ways you can do things including sharing and managing things together. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Whether you had always been planning to retire this year, or COVID-19 has forced your hand, it’s never too late to get organised. Even if you’re not planning to retire this year, it’s important to engage with your finances – don’t just sweep them under the carpet and hope that things will work out. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
If your debts are keeping you awake at night or you’re struggling to keep up with the repayments, there are steps you can take and organisations that can help you. This week we are joined by Wendy Fleming from the charity Ditch Debt with Dignity where we discuss dealing with debts, prioritising debts and where to get help. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
For many building their own home is the ultimate dream. This week we are joined by self-build mortgage expert Hamish Malcolm to look at all the in’s and out’s of self-build and stage payment mortgages. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Setting aside money for a rainy day can help tide you over in difficult times and provide some financial security when you need it most. We look at why you should have an emergency fund and look at how much you might need. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
John and Phil are joined this week by Justin Dunne who is a specialist in secured loans. We look at what a secured loan is, the reasons for taking one out and the options available in the current marketplace. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
In recent years complaints against financial companies have soared. PPI, endowment and defined benefit pension complaints have been a hot topic for a while. This week we look at what to do and where to go if you have any issues with any financial matters. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Moving home is an exciting time however it also means lots to plan for. To try and make your move stress free we cover the things to do when moving and when to do them.
We cover the different types of POA’s available, the advantages of having this in place and where to go to set one up. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Combining pensions can mean less paperwork however there is a lot to consider when deciding if you should do this. This week we cover the things to look out for if you have multiple pension pots. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This week we look at the advantages and disadvantages of buying a home. We also look at the pros and cons of renting and look at what option may be best for you. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Property is an asset class that has done well historically. This week we look at the benefits of investing in property and also look at some of the negative aspects. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at options for releasing a tax free cash sum from your home if you are over the age of 55. We look at lifetime mortgages and cover the pros and cons of these. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
The idea of going on a holiday may seem a long way away for many of us just now. This podcast looks at how to set holiday goals, save and plan for short-term and also longer-term adventures. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at the various schemes to help people get on the property ladder and discuss the First Home Fund, Help to Buy Scotland and Low-Cost Initiative for First-Time Buyers (LIFT). Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
One of the most asked questions by people looking to get a mortgage is how much can I borrow? We look at how lenders assess a mortgage application and cover the things that impact on how much you can borrow. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
If you need professional help with your finances we look at the things to consider when choosing a financial adviser. We look at how an adviser can help you and where you can find one. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at taxation basics and cover tax bands, tax free savings, pensions and inheritance tax. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
ISA season is almost upon us again. This week we look at the benefits of ISA’s and the different types of tax free savings options available. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
People are living longer and our chances of requiring long-term care is increasing. We look at how you are assessed for care costs, how to plan for it and tips to reduce what you need to contribute towards it. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
All you need to know about getting a better credit rating and increasing your odds on obtaining credit at the best terms available to you. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
In this week's show we look at the options available to reduce your debt after Christmas. We cover areas such as remortgaging, further advances, personal loans and credit card balance transfers. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission. In this week's show we look at the options available to reduce your debt after Christmas. We cover areas such as remortgaging, further advances, personal loans and credit card balance transfers.
January is traditionally one of the busiest months of the year for people separating and starting divorce proceedings. We cover some of the things to look at financially if you are in this position. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Christmas can often be a very expensive time of the year which is why we are starting off 2021 with tips on how you can reduce your outgoings. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Your first port of call should be getting your finances in good shape before lenders review them and assess your ability to make repayments on your loan. Some top tips for standing yourself in good stead include checking your credit score and getting some good advice. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
As people become more environmentally aware we look at the relatively new concept of “Green” mortgages Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individually tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
This episode looks at why you should make a will and how go to make one. We also look at what happens if you die without a will. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at pre-paid funeral plans and discuss the pros and cons of them, who does them and things to watch out for when considering one. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
When someone passes away it is never easy. In this episode we share some of the things to do in the days and weeks after someone dies. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Scammers never tire from stealing money. Recently there has been an increase in scams taking advantage of the COVID-19 crisis. We look at ways you can spot the warning signs. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Since pension freedoms were introduced people now have much more options with their pension pot at retirement. Here we cover areas like withdrawing money from your pension, tax implications and we also discuss some of the options you have with your pension pots. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Every winter, freezing temperatures catch people out. Prevention is better than cure and now is the time to take a few simple steps to reduce the risk of facing the trauma of frozen or burst pipes this winter. We look at steps you can take to protect your home over the coming months. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Many people don’t know what a financial adviser does. This episode explains some of the areas and things that financial advisers can help you with that you might not know about. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We cover the importance of having life insurance on an ex-spouse or partner. This is an often overlooked area especially when children are involved. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
A common question people have is should they invest in a pension or an individual savings account (ISA). This episode explores the differences between pensions and ISA’s. It also looks at the pros and cons of each savings vehicle. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Buying a new home can be a daunting prospect. This episode covers 10 steps to buying a property and when to speak to your mortgage advisor and solicitor. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
We look at areas such as protecting your family, budgeting for new arrivals and options for children's savings. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
In this episode Phil looks at how redundancy can impact on your financial plans and what you should be reviewing if you have been made redundant. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
An often overlooked area of financial planning is income protection. Here we look at what it is and why you should consider it. We also look at what benefits you get from the state and what options are available for the self-employed. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
Here Phil covers the main options when you look to draw the benefits from your pension. We cover annuities, drawdown and final salary pension schemes. We also discuss if you should you take your tax free lump sum and options to phase your retirement. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.