Retire Well with Wealth of Advice

• 41: Blended Retirement: Crafting a Flexible Future

  In this episode of Retire Well, Matthew and Joe explore the evolving landscape of retirement planning, focusing on the rise of blended retirement strategies. From full retirement to phased and flexible approaches, they unpack how pension freedoms, annuities, defined benefit schemes, and state pensions can be combined to create a tailored retirement plan.They also dive into:The pros and cons of early retirementHow to bridge income gaps before state pension ageThe role of ISAs, cash buffers, and company sharesWhy flexibility and diversification are key to long-term financial wellbeingWhether you're planning to retire soon or just starting to think about it, this episode offers practical insights to help you make informed decisions and retire with confidence.📩 Got a question or scenario you'd like us to cover? Email us at [email protected] or leave a comment below.--TALK TO USCall us: 0191 384 1008Email us: [email protected]: www.wealthofadvice.co.uk--SUBSCRIBE TO OUR NEWSLETTERhttps://www.wealthofadvice.co.uk/newsletter-sign-up---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

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• 40: Your Retirement Questions Answered: Tax-Free Cash, Pensions & Estate Planning

  In this special Q&A edition of Retire Well, Matthew and Joe tackle some of the most frequently asked retirement questions from listeners. From tax-free cash and pension contributions to estate planning and inheritance tax, they break down complex topics into clear, actionable advice. Whether you're approaching retirement or already navigating it, this episode offers valuable insights to help you make informed decisions and avoid common pitfalls.📩 Got questions? Drop them in the comments or email us at [email protected]🔔 Subscribe for weekly episodes on retirement planning, pensions, and financial wellbeing.--TALK TO USCall us: 0191 384 1008Email us: [email protected]: www.wealthofadvice.co.uk--SUBSCRIBE TO OUR NEWSLETTERhttps://www.wealthofadvice.co.uk/newsletter-sign-up---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

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• 39: Retirement Budgeting: Balancing Today’s Joys with Tomorrow’s Needs

  In this episode of Retire Well, Matthew and Joe dive into the complexities of retirement budgeting. They explore how spending habits shift in retirement, the importance of distinguishing between essential and discretionary expenses, and how to plan for unexpected costs like healthcare or family support. With real client stories and practical advice, this episode is a must-listen for anyone approaching retirement or refining their financial plan. Plus, they answer a listener’s question on helping children with tuition fees and housing deposits—without compromising your own retirement security.📩 Got questions? Drop them in the comments or email us at [email protected]🔔 Subscribe for weekly episodes on retirement planning, pensions, and financial wellbeing.--TALK TO USCall us: 0191 384 1008Email us: [email protected]: www.wealthofadvice.co.uk--SUBSCRIBE TO OUR NEWSLETTERhttps://www.wealthofadvice.co.uk/newsletter-sign-up---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

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• 38: How to Choose the Right Investment for Retirement

  In this episode of Retire Well, Matthew and Joe explore one of the most important — and often misunderstood — aspects of retirement planning: how to choose the right investment strategy for your pension and long-term goals.They cover:- Understanding your personal goals: income, growth, or legacy?- The “Risk Triangle”: need, capacity, and willingness to take risk- Sequencing risk and how to protect against it- Asset classes explained: equities, bonds, cash, property, and alternatives- Active vs. passive investing — which is right for you?- Multi-asset funds vs. specialist fund managers- Tax wrappers: pensions, ISAs, and how to invest tax-efficiently- Behavioural psychology and the value of financial adviceWhether you're approaching retirement or just starting to build your pension, this episode is packed with practical insights to help you invest with confidence.📩 Got questions? Drop them in the comments or email us at [email protected]🔔 Subscribe for weekly episodes on retirement planning, pensions, and financial wellbeing.--TALK TO USCall us: 0191 384 1008Email us: [email protected]: www.wealthofadvice.co.uk--SUBSCRIBE TO OUR NEWSLETTERhttps://www.wealthofadvice.co.uk/newsletter-sign-up---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

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• 37: Inheritance Tax & Pensions: Smart Strategies to Pass on Wealth

  In this episode of Retire Well, Matthew and Joe dive deep into one of the most topical financial planning issues today: Inheritance Tax (IHT) and how changes to pension legislation could impact your estate.They explore:- The implications of pensions being included in your estate for IHT- The 7-year rule and gifting strategies- How rising house prices and frozen tax bands are pulling more people into the IHT net- Smart ways to pass on wealth tax-efficiently using pensions, trusts, life insurance, and surplus income- Real-life examples of multi-generational planning- Why reviewing death benefits and pension structures is crucialWhether you're planning for retirement or thinking about your legacy, this episode is packed with practical insights and actionable advice.📩 Got questions? Drop them in the comments or email us at [email protected]🔔 Subscribe for weekly episodes on retirement planning, pensions, and financial wellbeing.--STEP BY STEP FOR ST CUTHBERT'S HOSPICEThe Wealth of Advice team is walking and running a collective 1,988km between 19th August and 19th September, honouring the year St Cuthbert’s Hospice was founded. We’re aiming to raise £1,988 to support the incredible work the hospice does every day, providing compassionate care to those facing life-limiting illnesses in Durham.Whether it’s a morning jog, weekend hike, or lunchtime stroll; every step counts. To find out more and donate to the cause, visit our website at the link below:https://www.wealthofadvice.co.uk/step-by-step-for-st-cuthberts-hospice--TALK TO USCall us: 0191 384 1008Email us: [email protected]: www.wealthofadvice.co.uk--SUBSCRIBE TO OUR NEWSLETTERhttps://www.wealthofadvice.co.uk/newsletter-sign-up---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

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