Retire Well with Wealth of Advice

In this episode of Retire Well, Matthew and Joe continue their mini‑series on investment basics by diving deeper into one of the most important topics in retirement planning: risk.
Building on the foundations laid last time—covering bonds, equities, property and alternatives—they explore how these building blocks fit into a real‑world retirement strategy. Using examples like Greggs and Amazon, they highlight why volatility is normal, why diversification matters, and why picking individual stocks rarely leads to long‑term success.
They break down:

How equities and bonds behave differently over time
Why asset allocation—not stock picking—drives long‑term returns
Active vs passive investing: what actually matters
How risk tolerance changes from your 20s to retirement
Why lifestyle funds work… and when they don’t
The power of the three‑bucket strategy for managing withdrawals in retirement
Why moving everything to cash at retirement can be more risky than it feels

They also answer a listener’s question from a 63‑year‑old entering drawdown and worried about market falls—unpacking capacity for loss, sequence‑of‑returns risk, and whether cash or an annuity might be the better solution.

Whether you’re decades away from retirement or thinking about drawdown today, this episode helps you understand how to match risk, time horizons and investment structure to create a smoother, more confident financial future.

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CHAPTERS

00:00 - Introduction
01:13 - Asset Classes and How They Work
07:45 - Funds and Portfolios
12:15 - How Your Attitude to Risk Can Change Over Time
20:40 - Lifestyle Funds
22:45 - Bucketing Strategy
26:45 - Listeners Questions

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TALK TO US

Call us: 0191 384 1008
Email us: [email protected]
Website: www.retirewellpodcast.co.uk

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www.retirewellpodcast.co.uk

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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.

Investing can often feel complicated, intimidating, or even risky. But in reality, long-term investing is less about predicting markets and more about understanding how they work.

This episode marks the start of a new four-part Investment Basics mini-series, designed to break investing down into simple, practical ideas — not stock picking, not market timing, but the fundamentals that shape long-term wealth and retirement outcomes.

Many people don’t avoid investing because they can’t — they avoid it because they don’t fully understand it. Yet UK households hold around £1.4 trillion in cash savings, much of which gradually loses value to inflation over time.

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CHAPTERS

00:00 - Introduction
02:35 - What Is Investing?
05:24 - Why Does Compounding Matter?
09:11 - Equities, Bonds and Alternatives Explained
14:00 - Risks of Investing and Understanding Volatility
18:46 - How Do Markets Behave?
23:06 - Good & Bad Investor Behaviour
31:12 - Listener's Question

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TALK TO US

Call us: 0191 384 1008
Email us: [email protected]
Website: www.retirewellpodcast.co.uk

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SUBSCRIBE TO OUR NEWSLETTER

www.retirewellpodcast.co.uk

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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.

Join us for a special live‑recorded episode of Retire Well with Wealth of Advice, captured at our recent client conference with over 100 attendees.
In the first half, Matthew and Joe break down what the real value of financial advice looks like today—from risk management and asset allocation to behavioural coaching, tax‑efficient income planning, and how flexible pensions have transformed retirement.

In the second half, we open the floor to a live audience Q&A, joined by:

Chris Breward – Managing Director & Chartered Financial Planner
Jordan Linfoot – Head of Investment Research

Together, we tackle client questions on:

How advice has changed over the decades
Active vs passive investments
The role of alternatives like gold
Whether you should change your retirement investment strategy
The impact of political shifts and new budgets
Whether UK pension rules may force more investment into UK markets
Net zero, geopolitics, and the future of markets
And much more

This episode gives a candid, behind‑the‑scenes look at how advisers think, plan, and support clients—especially in a world of rising complexity and constant change.

If you'd like to attend a future live recording or event, let us know!

📩 [email protected]

Don’t forget to like, comment, subscribe, and share with anyone planning their retirement journey.

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CHAPTERS

00:00 - Introduction
01:57 - Why Financial Advice Exists
04:00 - Asset Allocation, Risk and Rebalancing
08:08 - Behavioural Coaching
12:56 - Tax Wrappers and Tax Efficiency
15:44 - Q&A

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TALK TO US

Call us: 0191 384 1008
Email us: [email protected]
Website: www.retirewellpodcast.co.uk

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SUBSCRIBE TO OUR NEWSLETTER

www.retirewellpodcast.co.uk

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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.

This week, Matthew and Joe wrap up the Pension Basics mini‑series by applying the key concepts to five practical retirement scenarios. From small‑pot withdrawals and early DB pension decisions to partial annuities, safe withdrawal rates, and household‑level planning, the episode shows how the right structure - not just investment performance - can transform retirement outcomes.

They finish with a listener question on whether to top up National Insurance contributions, breaking down the numbers and when it’s worth doing.

Plus: details of this week’s live bonus episode from the Wealth of Advice annual client conference.

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CHAPTERS

00:00 - Introduction
01:44 - Small Pots, Big Consequences
07:25 - Weighing Early DB Pension Reductions
14:09 - Making the Most of DB AVCs
18:14 - Guaranteed Income Without Losing Flexibility
24:49 - Coordinating Household Retirement Income
32:22 - Listener's Question

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TALK TO US

Call us: 0191 384 1008
Email us: [email protected]
Website: www.retirewellpodcast.co.uk

--

SUBSCRIBE TO OUR NEWSLETTER

www.retirewellpodcast.co.uk

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

In this episode of Retire Well, Matthew and Joe break down two of the most important sources of guaranteed income in retirement: the State Pension and annuities.This is part three of the Pension Basics mini‑series, following episodes on Defined Contribution and Defined Benefit pensions.
Today, they explore:🔍 What You'll LearnHow the new State Pension works, how much it pays, and why the triple lock has become so controversialState Pension age changes — and what rising life expectancy means for future retireesHow to check your National Insurance record, fill gaps, and forecast your entitlementWhether it’s worth deferring your State Pension (and when it isn’t)What an annuity actually is — and why they’re becoming popular againHow annuity rates are set (age, health, postcode, interest rates and more)The difference between single life, joint life, guarantee periods, and inflation‑linked annuitiesEnhanced annuities: why some people qualify without realisingThe pros and cons of guaranteed income vs. flexible drawdownHow annuities are protected by the Financial Services Compensation Scheme (FSCS)💬 Listener Question
Marty asks: “How are annuity payments guaranteed if the provider fails?”
Matthew explains how FSCS protection works and why retirees don’t need to worry.📌 Useful For
Anyone approaching retirement, planning their income, or trying to understand how State Pension and annuities fit into a wider retirement strategy.--CHAPTERS00:00 - Introduction00:36 - State Pension Explained09:40 - Annuity Basics14:36 - Annuity Options23:18 - Annuity Pros and Cons31:51 - Listener's Question--TALK TO USCall us: 0191 384 1008Email us: [email protected]: 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.