Retire Well with Wealth of Advice

Pensions have long been one of the most tax-efficient ways to pass on wealth—but major rule changes coming in 2027 are set to shake that up.

In this episode, Matthew and Joe break down how pensions currently fit into estate planning, what’s changing, and why it could significantly impact how (and when) you use your retirement savings.

From the “first in, last out” strategy to the risk of double taxation, they explore the real implications for your long-term financial plan.

They also discuss practical strategies to navigate the changes, including spending, gifting, trusts, insurance, and planning across generations—helping you balance retirement income with leaving a legacy.

Whether you’re approaching retirement or already there, this episode will help you understand what’s coming—and how to plan with confidence.

📩 Got questions or want help with your own retirement plan?

Email us at: retirewell@wealthofadvice.co.uk

--

SIGN UP FOR OUR LIVE Q&A

https://www.retirewellpodcast.co.uk/events

--

CHAPTERS:

00:00 - Introduction
02:30 - What are the rules?
11:36 - How to fix it
22:06 - Loan Trust
24:33 - Discounted Gift Trust
26:04 - Business Relief
26:59 - Gifting
31:32 - Listeners Question

--

TALK TO US

Call us: 0191 384 1008
Email us: retirewell@wealthofadvice.co.uk
Website: www.retirewellpodcast.co.uk

--

SUBSCRIBE TO OUR NEWSLETTER

www.retirewellpodcast.co.uk

---

Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

Are annuities really “rubbish” — or are they making a comeback?
In this episode of Retire, Matthew and Joe break down everything you need to know about annuities, from how they work to who they’re actually suited for in today’s retirement landscape. Rather than jumping straight into products, they step back to explore the bigger question: what do you actually want from your retirement income — certainty, flexibility, or a mix of both?

They cover:
What an annuity is in simple terms
Why annuities have had a resurgence since interest rates rose post-2022
Who might benefit most (and who might not)
The pros and cons compared to drawdown
Key options explained: single vs joint life, guarantee periods, inflation linking
How health and lifestyle can impact your income (enhanced annuities)
Why shopping around on the open market is crucial
Whether you can change your mind once you’ve bought one

Plus, they explore practical strategies like blending annuities with flexible drawdown and phasing into guaranteed income over time — helping you build a retirement plan that balances peace of mind with flexibility.
Whether you’re approaching retirement or just starting to think about your options, this episode will help you make more confident, informed decisions about your pension.

📩 Got questions or want help with your own retirement plan?

Email us at: retirewell@wealthofadvice.co.uk

--

SIGN UP FOR OUR LIVE Q&A

https://www.retirewellpodcast.co.uk/events

--

CHAPTERS:

00:00 - Introduction
04:14 - Who should consider an annuity?
09:45 - Mechanics of an Annuity
11:00 - How do provides calculate an annuity rate?
14:21 - How to ensure your annuity does die with you
19:50 - How much does an increasing annuity cost?
24:26 - Am I able to get a higher income if I am ill?
27:15 - Listeners Question: 27:15

--

TALK TO US

Call us: 0191 384 1008
Email us: retirewell@wealthofadvice.co.uk
Website: www.retirewellpodcast.co.uk

--

SUBSCRIBE TO OUR NEWSLETTER

www.retirewellpodcast.co.uk

---

Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

Brexit. COVID. Inflation. Market crashes.
The last decade has been anything but normal… but what does it actually mean for your pension?
In this episode, we break down:
✅ How markets have really performed (despite the chaos)
✅ The biggest pension rule changes you NEED to know
✅ Why inflation has quietly damaged savings
✅ What to do differently for the next 10 years

📩 Got questions or want help with your own retirement plan?

Email us at: retirewell@wealthofadvice.co.uk

--

SIGN UP FOR OUR LIVE Q&A

https://www.retirewellpodcast.co.uk/events

--

CHAPTERS:
00:00 - Introduction
01:51 - Investments over the last decade
11:11 - Inflation over the last decade
14:36 - DB Pensions & Annuities
20:45 - Legislation changes
24:12 - What hasn't changed
27:43 - Listener's Question

--

TALK TO US
Call us: 0191 384 1008
Email us: retirewell@wealthofadvice.co.uk
Website: www.retirewellpodcast.co.uk

--

SUBSCRIBE TO OUR NEWSLETTER
www.retirewellpodcast.co.uk

---

Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

Most people have NO idea how much they actually spend…And that’s the biggest mistake when planning retirement.In this episode, we break down:✅ How to calculate your real retirement budget✅ Why your current spending might be wrong by 10–30%✅ The biggest mistakes that could leave you short✅ How to build a plan you can actually stick toIf you want confidence in your retirement plan, this is where to start.📩 Got questions or want help with your own retirement plan?Email us at: retirewell@wealthofadvice.co.uk--SIGN UP FOR OUR LIVE Q&Ahttps://www.retirewellpodcast.co.uk/events--CHAPTERS:00:00 - Introduction05:19 - How might your income change between employment and retirement?10:05 - How your spending might change throughout retirement12:25 - Practical retirement budgeting tips22:37 - What to do when you have your budget31:24 - Listener's Question--TALK TO USCall us: 0191 384 1008Email us: retirewell@wealthofadvice.co.ukWebsite: www.retirewellpodcast.co.uk--SUBSCRIBE TO OUR NEWSLETTERwww.retirewellpodcast.co.uk---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

What happens when life throws your retirement plan off track?

In this episode, Matthew and Joe from Wealth of Advice break down the real-life events that can derail even the most carefully thought-out retirement plans — and more importantly, how to recover and adapt.

From redundancy and market volatility to unexpected health issues and spending mistakes, we explore the most common ways retirement plans go “wrong” — and why that doesn’t mean failure.

You’ll learn:
Why no financial plan is ever 100% accurate
The biggest mistakes people make when things change
How emotional decisions can damage long-term outcomes
Real client scenarios (including redundancy and market shocks)
A simple framework to get your plan back on track
Why flexibility is more important than perfection

💡 Key takeaway: A retirement plan isn’t about predicting the future — it’s about adapting to it.

Whether you're nearing retirement or just starting to think about it, this episode will help you build confidence, avoid common pitfalls, and stay on course even when things don’t go to plan.

📩 Got questions or want help with your own retirement plan?

Email us at: retirewell@wealthofadvice.co.uk

--

CHAPTERS:

00:00 - Introduction
07:44 - What is the most common way a plan goes wrong?
08:17 - What to do if you are made redundant
11:48 - What not to do when stuff goes wrong
18:05 - How to assess your plan what things change
25:00 - Why lasting power of attorney matters
28:20 - Listeners Question

--

TALK TO US

Call us: 0191 384 1008
Email us: retirewell@wealthofadvice.co.uk
Website: www.retirewellpodcast.co.uk

--

SUBSCRIBE TO OUR NEWSLETTER

www.retirewellpodcast.co.uk

---

Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.