What happens when the person who planned everything for you dies at 38?

In this episode of A Taste of Financial Planning, we sit down with Emma Gray, founder of Rainbow Hunting, former wills and probate solicitor, and widow.

Over Dennis's Japanese black cod with miso, we talk about grief, preparation, and the emotional handrails that matter when life changes overnight.

We explore:

• What grief really feels like, physically as well as emotionally

• The "sadmin" no one prepares you for

• Why powers of attorney are not just for later life

• The balance between living fully now and planning responsibly for the future

• How financial planning can protect the people you love from chaos

Emma brings both professional expertise and lived experience to a conversation that is honest, practical and deeply human.

Because financial planning is never just about numbers. It is about people.

About Emma Gray

Emma Gray is the founder of Rainbow Hunting, a therapeutic coaching practice supporting people through grief and major life transitions. A former wills and probate solicitor, Emma combines legal knowledge, counselling training and lived experience to help clients navigate both the emotional and administrative challenges that follow loss.

You can find Emma at:
www.rainbowhunting.co.uk

Connect & Subscribe:
Enjoyed the episode? Make sure you subscribe and join us next time for more conversations that blend food, life, and smart money decisions.

Host: Dennis Hall

Host: Sarah Steele

Contact us: ask@yellowtail.co.uk

ABOUT YELLOWTAIL

Founded by Dennis Hall, Yellowtail are the trusted financial planners who advise individuals & families across the UK. Yellowtail's experts provide the clarity, control and confidence to guide you through financial planning, estate planning, pension transfers and investment management directing your journey towards a prosperous retirement and financial peace of mind.

Lunch with Lee Spencer: Rowing Oceans, Climbing Mountains, and Finding Purpose

In the first episode of A Taste of Financial Planning, hosts Dennis Hall and Sarah Steele sit down for lunch with former Royal Marine, world record-breaking ocean rower and author, Lee Spencer.

Over a Caribbean-inspired lunch and a bold glass of Syrah, Lee shares the remarkable story of how he became The Rowing Marine. From a life-changing injury to crossing the Atlantic solo, climbing Kilimanjaro with his daughter, and even testing kit for NASA.

The conversation moves between resilience, purpose, loss and of course, money. Lee talks candidly about growing up in Dagenham, his family's financial struggles, and how those experiences shaped his views on security, success and satisfaction.

There's honesty, humour and debate as Dennis and Lee discuss what money is really for: chasing wild dreams, building a legacy, or simply feeling free.

On the menu

Dennis served a Caribbean-inspired menu, starting with a rum-based cocktail. The main course featured beef short rib cooked sous vide for 40 hours, glazed with rum, sugar, soy and lime zest, and served with coconut plantain purée, sweet potato and steamed broccoli.

Dessert: Rum, coconut and lime posset with toasted coconut flakes
Wine pairing: Porseleinberg Syrah 2023 — rich, spicy and a perfect match for the bold flavours

In this episode, we talk about:

• Growing up with money worries and how early habits form

• Camaraderie and discipline in the Royal Marines

• Record-breaking adventures and learning from adversity

• Whether money is for living or leaving a legacy

• How planning for the future helps you live more fully in the present

• Debt, lessons from parents, and generational attitudes to money

• Happiness, purpose, and the things money can't buy

  Find out more about Lee here: https://leespencer.co.uk/

Lee's book: https://amzn.eu/d/0ebu7dHU

Connect & Subscribe:
Enjoyed the episode? Be sure to subscribe and join us next time for more conversations that blend food, life, and smart money decisions.

Host: Dennis Hall

Host: Sarah Steele

Contact us: ask@yellowtail.co.uk

ABOUT YELLOWTAIL

Founded by Dennis Hall, Yellowtail are the trusted financial planners who advise individuals & families across the UK. Yellowtail's experts provide the clarity, control and confidence to guide you through financial planning, estate planning, pension transfers and investment management directing your journey towards a prosperous retirement and financial peace of mind.

 

 

In this special episode, Dennis Hall provides his thoughts on the announcements from the Budget on the 30th October.

Whilst some of the most feared things didn't happen, there were plenty of significant changes.

We focus on:

Capital Gains Tax

Inheritance Tax

Pension taxation

The freeze on income tax and fiscal drag

And how the changes will affect your financial plan. Listen now for a balanced and thoughtful summary of what you really need to know.

Useful information  

Host: Dennis Hall

Host: Sarah Steele 

Contact us: ask@yellowtail.co.uk

Co-founder of purpose led financial planners Six Degrees, Katherine Waller, joins us on this episode. We invited Katherine on to talk about our shared approach to financial planning and to delve into how she helps people get the best financial outcomes.  In this episode we explore:

• The importance of emotional intelligence in financial planning
• Vulnerability and trust in client relationships
• How life experiences shape our financial behaviour
• Overcoming financial fears and insecurities
• Balancing rational and emotional approaches
• Common obstacles in financial planning
• The role of purpose in financial advice
• Using shared interests to build relationships
• Our love of food and wine!

We also discuss our shared passion for eliminating decision-overwhelm for clients who already have too many choices to make in their daily lives. And why advisers should be held accountable for making decisions rather than offering endless options.

Useful information  

Host: Dennis Hall

Host: Sarah Steele 

Guest: Katherine Waller

Contact us: ask@yellowtail.co.uk

When the financial planner met the accountant.

In this episode we invite consultant CFO, NED and board adviser, Rob Nicholls to give us an accountant's perspective on how to achieve a sustainable financial future. Do Dennis and Rob see eye to eye is there a clash of perspectives?

We cover:

The connection between business success and personal finance.

The importance of passive investing

Automating investments for long-term growth.

Understanding tax implications in financial planning

The role of financial education in personal finance

The impact of economic changes on investment strategies

Reinventing yourself in the financial landscape

Useful information  

Host: Dennis Hall

Host: Sarah Steele 

Guest: Rob Nicholls

Contact us: ask@yellowtail.co.uk

 

How much time do you think you spend doing nothing?

A recent Duolingo poll revealed that UK adults spend an average of 26 𝐝𝐚𝐲𝐬 𝐚 𝐲𝐞𝐚𝐫 doing... well, nothing! That's about 12 hours a week. Think about it—moments like:

Watching TV
Waiting for the kettle to boil
Waiting for a delivery
Scrolling aimlessly online

In this season of The Century Plan podcast, we're exploring what's really holding us back. One of the most common reasons people give for not focusing on their financial planning is a lack of time.

But in our latest episode, we challenge that idea and take a closer look at how we actually spend our time. Is it really about not having enough hours in the day—or something else?

Join us as Dennis Hall breaks down how to make time for your financial planning and shares practical tips to help you get started, no matter how busy life feels.

Listen now and discover how to take control of your financial future in just a few small steps.

Useful information  

Host: Dennis Hall

Host: Sarah Steele 

Contact us: ask@yellowtail.co.uk

The Century Plan is back! 

After a summer of planning and preparation, we're thrilled to launch Season 4 of our podcast, where we move from theory to practice.

This season, we're tackling the big question: How can we inspire people to take action on the insights we've been sharing? And more importantly, what's holding us back?

In our first episode, we dive into a challenge we all face—connecting with our future selves.

How can we motivate ourselves to protect our future—20, 30, or even 40 years from now—when it often feels like we're sacrificing our present?

Here's what we cover:

𝐓𝐞𝐦𝐩𝐨𝐫𝐚𝐥 𝐝𝐢𝐬𝐜𝐨𝐧𝐧𝐞𝐜𝐭: How it prevents us from taking necessary steps in our financial lives.

𝐂𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞𝐬 𝐨𝐟 𝐯𝐢𝐬𝐮𝐚𝐥𝐢𝐬𝐢𝐧𝐠 𝐨𝐮𝐫 𝐟𝐮𝐭𝐮𝐫𝐞 𝐬𝐞𝐥𝐯𝐞𝐬: Why it's so hard and what we can do about it.

𝐓𝐡𝐞 𝐟𝐞𝐚𝐫 𝐨𝐟 𝐜𝐨𝐬𝐭: The difficulty of thinking long-term and overcoming the fear of present-day sacrifice.

𝐂𝐫𝐞𝐚𝐭𝐢𝐧𝐠 𝐡𝐚𝐛𝐢𝐭𝐬 𝐚𝐧𝐝 𝐜𝐨𝐦𝐦𝐢𝐭𝐦𝐞𝐧𝐭 𝐝𝐞𝐯𝐢𝐜𝐞𝐬: Strategies to beat instant gratification and stay on track.

𝐓𝐡𝐞 𝐩𝐨𝐰𝐞𝐫 𝐨𝐟 𝐯𝐢𝐬𝐮𝐚𝐥𝐢𝐬𝐚𝐭𝐢𝐨𝐧: How envisioning our future can help us achieve our long-term goals.

This episode is packed with insights and actionable takeaways, plus some fascinating book recommendations you won't want to miss!

Useful information  

Host: Dennis Hall

Host: Sarah Steele 

Atomic Habits by James Clear

Be Your Future Self Now by Dr Benjamin Hardy

Contact us: ask@yellowtail.co.uk

In our season finale, Sarah and Dennis address some kickback received on a social media post highlighting the issues we all face as a society when it comes to funding our retirement. And why we're trying to help people avoid sleepwalking into retirement regret.

We discuss why it's so important to be aware of the pitfalls and how we can take some simple steps to improve our financial future.

We cover:

• Why retirement planning is harder now than it was 30 years ago.
• The Office for National Statistics' life expectancy calculator
• The recent significant increase in the amount of income required for a moderate retirement
• The pension gender gap and why it exists
• Retirement anxiety

We're looking forward to returning in September after a summer break. If you have a question you'd like us to cover during the next season, now is the time to reach out.

Useful information  

Host: Dennis Hall

Host: Sarah Steele 

Contact us: ask@yellowtail.co.uk

In the penultimate episode of Season 3, Sarah and Dennis discuss the importance of reviewing premiums and checking charges on financial contracts.

We receive annual alerts when our car and home insurance is due for renewal. But our life assurances and savings plans tend to run quietly in the background. The direct debit leaving the account each month without much thought.

Why aren't we paying more attention?

Dennis and Sarah discuss:

• Old with-profits bonds set up in good faith delivering shockingly poor returns
• Life assurance contracts with overly high premiums
• Pension plans invested in sub-optimal default funds
• Investments subject to charges which significantly reduce their long-term growth

With over 35 years in financial services, Dennis has all too often come across people whose finances have been detrimentally affected due to lack of review.

When was the last time you reviewed yours?

Useful information  

Host: Dennis Hall

Host: Sarah Steele 

Contact us: ask@yellowtail.co.uk

In this episode of The Century Plan, Sarah and Dennis are pleased to welcome guests, Dr Tommy Perkins and Dr Ed Cantelo from the Medics Money podcast.

With over 1 million downloads, the hosts of Medics Money podcast, Tommy and Ed are empowering doctors, dentists and other professionals to make better financial decisions.

The team at Yellowtail Financial Planning have worked with Tommy and Ed for two years and we thought it was time to get to know the GPs behind the success story.

Tommy and Ed share:

How they became GPs

When they decided to to help others with their finances

What they think of cryptocurrency

How they created their own financial plans

Why they share our values around low cost index trackers

Not just for doctors. This episode covers how to make a start and what we can all do to feel more in control of our money.

 

Useful Information

Medics Money

Host: Dennis

Host: Sarah

Email: ask@yellowtail.co.uk

ABOUT YELLOWTAIL

Founded by Dennis Hall, Yellowtail are the trusted financial planners who advise individuals & families across the UK. Yellowtail's experts provide the clarity, control and confidence to guide you through financial planning, estate planning, pension transfers and investment management directing your journey towards a prosperous retirement and financial peace of mind.

In this episode of The Century Plan, Dennis and Sarah are pleased to welcome their guest, Professor Sarah Harper CBE.  

Sarah is a world-renowned scientist and Clore Professor of Gerontology at the University of Oxford. She's a fellow at University College and Director of the Oxford Institute of Population Ageing and she was appointed CBE for services to demography in 2018. Sarah's written books including How Population Change Will Transform Our World, Ageing Societies, Risk and Resilience and Global Ageing. 

During this episode, Sarah Harper shares her insights on how society needs to adapt to us living for longer and the way our increased life expectancy is changing the world and our retirements. We cover:

What drives our increased life expectancy.

The ageing workforce.

Ageism in the workplace.

How AI aids the shift in our workplace demographic.

Flexible working for employees in their 60s and 70s.

How the media is creating intergenerational conflict.

Whether the current state pension age is suitable.

Useful information  

Guest: Professor Sarah Harper  

How Population Change will Transform our World - Sarah Harper

Host: Dennis Hall

Host: Sarah Steele

Contact us: ask@yellowtail.co.uk

In this episode of The Century Plan, Dennis and Sarah unpick some questions they are frequently asked at Yellowtail Financial Planning around retirement income.

How do you derive an income from your retirement savings, and is selecting high dividend and income streams optimal over the long term?

Do you need to change your investment approach when you reach retirement?

Should you be looking to maximise income at the expense of growth?

What does evidence based investing say you should do in order to optimise your income in retirement strategy?

 

Useful information

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

 

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

 

Contact us: ask@yellowtail.co.uk

"You are good enough. You do know enough. You just need to start."

For the final episode in our summer series, we're joined by the brilliant and refreshingly honest Holly Mackay, CEO of Boring Money, to talk about the real barriers to financial confidence — and why money is never just about the numbers.

We dive into:
– Why women still feel "rubbish with money"
– The behavioural edge female investors may have (even if they don't know it)
– Why "just doing nothing" might be the best investment strategy
– The power of empathy in advice
– And how to make financial planning feel less like a private club

Holly also shares her own story — from $8.50/hour unit pricing in Australia to becoming one of the most trusted voices in UK consumer finance. It's candid, funny, and deeply human.

Whether you're a financial professional, a reluctant investor, or simply someone trying to make better decisions for a longer life — this one's for you.

Don't forget to follow or subscribe — and let us know your favourite moment from the episode.

Host: Dennis Hall

Host: Sarah Steele

Learn more about Holly's work at boringmoney.co.uk

Contact us: ask@yellowtail.co.uk

Produced by Yellowtail Financial Planning

ABOUT YELLOWTAIL

Founded by Dennis Hall, Yellowtail are the trusted financial planners who advise individuals & families across the UK. Yellowtail's experts provide the clarity, control and confidence to guide you through financial planning, estate planning, pension transfers and investment management directing your journey towards a prosperous retirement and financial peace of mind.

In this episode of The Century Plan, we discuss the pension changes brought about by the 2023 Spring Budget which are coming in to effect this year.

It may be a short-shelf-life episode if we see a change in Government following an election.

Sarah and Dennis discuss how the Budget in 2023 has played out and is affecting pensions.

We hear how Government decisions and changes in Government can impact financial options.

We learn how we can prepare for this and how this awareness can help with planning.

 

Useful information

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

Contact us: sarah@yellowtail.co.uk

In this episode of The Century Plan Sarah and Dennis are pleased to welcome their guest Carl Richards.

 

Carl is a US-based certified financial planner, joining the podcast from Park City Utah. Carl is the creator of the Sketch Guy column, which appeared weekly for a decade in the New York times. He's an international author and speaker, and his work has influenced financial planners across the globe.

 

During this episode, Carl shares his insights, knowledge, and experiences as a financial planner.

 We learn about how Carl became a columnist and author with books including, The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money and The One-Page Financial Plan: A Simple Way To Be Smart About Your Money.

We learn more about the artwork at Yellowtail which includes favourite pieces from Carl's sketch collection.

 

 

Useful information

Guest: Carl Richards

Website:

Books: The Behaviour Gap: Simple Ways to Stop Doing Dumb Things with Money

The One-Page Financial Plan: A Simple Way To Be Smart About Your Money.

 

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

 

Contact us: sarah@yellowtail.co.uk

In this episode of The Century Plan, Sarah asks Dennis "How Much Does it Cost to Work With a Financial Planner?".

What is fair? How are different fees structured? What should you expect?

Dennis has some interesting thoughts on hourly rates and explains how he works at Yellowtail Financial Planning.

We explore in detail the structure of how fees are charged and why transparency is paramount to a long lasting relationship.

How do hourly rates work in financial planning? 

What is a fixed price for financial services?

Why do some people charge a percentage of assets under management?

What is a fair ongoing management cost?

 

Useful information

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan. Contact us: sarah@yellowtail.co.uk

In Episode 2 of Season 3 we reach one of the most common questions.... How Much Do I Need To Retire?

It's not a one-size-fits-all all situation. Sarah and Dennis talk over considerations and formulas that can be used to help gain a figure.

What kind of retirement are you planning?

How much does that cost?

How much do you have in assets?

Do you know how your workplace pension is invested?

How and when can you afford to start adding to your pension pot?

How much is your state pension? Did you register to gain credits while a stay at home parent? 

 

Useful information

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

 

Contact us: sarah@yellowtail.co.uk

As The Century Plan returns for its third season, Sarah and Dennis revisit its purpose.

Episode 1 of Season 3 opens with Dennis and Sarah taking a deeper dive into the challenges we all face from longevity risk.

And they highlight the marked difference between the size of pension pot needed to support you if you live to 80 or if you live past 90 years.

Can we afford to live to age 100?

What is longevity risk?

How much money will we need for a moderate standard of living in retirement?

What is the difference between a financial planner and a financial adviser?

When will we need their help?

As ever, Dennis and Sarah take a conversational and anecdotal approach to the complex business of financial planning.

 

Useful information

 

Host: Dennis Hall 

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

 

Contact us: sarah@yellowtail.co.uk

Don't leave it too late.... To have the conversation.

Do your loved ones know about your finances?

Have you considered how they will live when you are no longer around to provide for them?

Do they know how and where to access your money, investments, and financial affairs?

Have you written a will to safeguard your wishes?

 

Dennis and Sarah don't shy away from talking about what is often a taboo subject. During this episode, we hear real-life case studies about how people have been impacted by not having conversations before tragedy strikes. If you care for the people around you, start the conversation.

 

Useful information

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

 

Contact us: sarah@yellowtail.co.uk

Controversial opinion alert!

Balanced portfolios are sub-optimal.

Well, it may be controversial for some, but in this episode, Dennis explains how cashflow planning and evidenced-based investing shine a light on the shortfalls of a balanced approach.

Risk profile questionnaires have been widely used since the late 90s, as a tool to establish our attitude to risk. But they're not a regulatory requirement. And they tend to focus on our reaction to volatility which, in turn, drives us towards the "safer" option.

But why are they sub-optimal? Why should we be questioning their validity? And what should we be discussing with our financial planner for a more rounded approach?

Useful information

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die" 

 

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

 

Contact us: sarah@yellowtail.co.uk

In our latest episode we sit down with guest David Jones.

 

Just back from a cooking course in Italy, Dennis hands over to Sarah who asks David about the value of advice and the importance of the relationship in Financial Planning.

 

David Jones, is Head of UK & Ireland Advisor Group and Vice President at Dimensional Fund Advisors. Before joining Dimensional, David was managing director of his own financial planning firm specialising in retirement planning and investment advice for corporate and private clients.

 

David holds an MA in military studies and a BA in American studies form the University of Manchester. He also holds Master Licenced Trainer designations in mind mapping, memory skills, speed reading and applied innovation.

 

Who should we call when the worst happens?

Why do we shy away from conversations about money?

And why is this potentially damaging?

 

What is the formula for the value of advice?

 

Useful information

 

Guest: David Jones

 

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

 

Contact us: sarah@yellowtail.co.uk

 

In this episode, Sarah and Dennis discuss whether we should react to market volatility.

In times of economic downturn, it can be hard to keep the faith and stick to your long-term financial plan.

• Should we be holding our nerve?
• How should we react to high interest rates, even higher inflation, geo-political issues and media doom-mongering.
• Why wouldn't we rush to move our money to a guaranteed rate savings account?

Dennis delves into the current economic situation and explains how data, history, and his personal experience of previous crashes, continue to support the long-term view.

Useful Information 

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

Contact us: sarah@yellowtail.co.uk

In this special guest episode, Sarah and Dennis are joined by Justin King.

 

Justin is a registered Life Planner and coach and one of the UK's most qualified independent financial advisers.

Justin hosts The Retirement Café Podcast and during this episode of The Century Plan, we hear how over 180 episodes evolved into The Retirement Café book.

Justin also shares insights into the tools and techniques he uses to support and help his clients plan for the retirement they desire. These include reframing thoughts through hypnotherapy and NLP techniques.

Justins book is currently available on Amazon here.

 

Useful Information

Guest: Justin King

Website

Book

 

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

 

Contact us: Twitter

In our second special summer episode of The Century Plan, we step outside the world of finance, but only just.

Dennis Hall and Sarah Steele are joined by Toby Swallow, a former world champion powerlifter turned strength coach, who now calls himself a health pension planner. His mission? Helping people build the physical reserves they'll need for a longer, more independent life.

We explore the powerful parallels between financial and physical planning, from building long-term reserves to avoiding crisis-driven decisions. Toby shares personal insights, practical steps, and a clear message: wealth alone won't protect you from frailty.

Whether you're planning for retirement, already there, or working with clients who are, this episode will challenge how you think about health, wealth, and what it really means to prepare for the future.

In this episode:

• Toby's journey from powerlifting champion to health coach

• What it means to build your "health pension"

• The connection between VO2 max, bone density, and longevity

• Why functional fitness matters more than aesthetics

• How to start building physical reserves — at any age

• The cost of waiting until it's too late

"Just because you look fit doesn't mean you're ready for what ageing brings. We plan financially, why not physically?"

🎧 Listen now and subscribe for more conversations on long-term thinking, financial wellbeing, and living a life that matters.

Host: Dennis Hall

Host: Sarah Steele

Contact us: ask@yellowtail.co.uk

Follow Toby on LinkedIn:
www.linkedin.com/in/toby-swallow/

ABOUT YELLOWTAIL

Founded by Dennis Hall, Yellowtail are the trusted financial planners who advise individuals & families across the UK. Yellowtail's experts provide the clarity, control and confidence to guide you through financial planning, estate planning, pension transfers and investment management directing your journey towards a prosperous retirement and financial peace of mind.

In episode 5, Sarah and Dennis discuss Visual Tools and how they can reinforce and enhance our understanding.

Can a picture paint a thousand words?

Do you know your learning style?

Maybe it's auditory and that's why you're listening to this podcast.

Or it's kinesthetic and you learn best through movement, touch, or experience.

Or, maybe it's visual, and diagrams or images help reinforce your understanding. 

Visual aids, or lived experiences, are some of the best tools we can use in the financial planning process.  Tune in to find out why.

 

Useful Information

Host: Dennis Hall Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

 

Host: Sarah Steele Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

 

Contact us: sarah@yellowtail.co.uk

In episode 4, Sarah and Dennis loop back around to cover the risks of profiling.

We hear Dennis explain why he doesn't like risk profiling questionnaires, the downsides, and the limitations.

We also revisit cashflow modelling, Monte Carlo modelling and how to view your portfolio for the long term.

Tune in to hear what to expect if you've been asked to fill in a risk profiling questionnaire.

 

Useful Information

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

 

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

 

Contact us: sarah@yellowtail.co.uk

In this episode, Sarah and Dennis are joined by guest, Abraham Okusanya.

Abraham is the founder of investment and retirement research consultancy, FinalytiQ and creator of Timeline.co

He's the host of podcasts, Retirementals and The Investing Show. and author of the book "Beyond The 4% Rule: The science of retirement portfolios that last a lifetime"

We'll hear how Dennis and Abraham met, how their business lives have crossed through the years, and how they share similar views and approaches to financial planning. 

Discussions include,

• Sustainable withdrawal rates.
• Risk Profiling
• Managing volatility
• Optimal rebalancing

Tune in to hear how Sarah keeps Dennis and Abraham on the right side of technical during this special show. 

Useful Information

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

 

Contact us: sarah@yellowtail.co.uk

Sarah and Dennis introduce us to tools and questions used during the financial planning process.

We learn how Dennis has a multilayered role as a financial planner, life coach, marriage guidance counsellor, and relationship reuniting facilitator.  But why is Dennis compared to Davina Mccall?

Financial planning is not just data and modelling. It's also about human relationships and shared experiences. 

What would your retirement look like?

How do you want to live your retirement years?

Have you thought about your future lifestyle?

What kind of legacy would you like to leave?

What is your number? Tune in to learn about Kinder questions and how they are used to plan your future.

Useful Information

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the on-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

 

Contact us: sarah@yellowtail.co.uk 

In this episode, we're introduced to Cashflow Modelling.

What is cashflow modelling?

How can cashflow modelling help us?

What information do I need for cashflow modelling?

Can I change my plans with cashflow modelling?

What happens if it all goes wrong?

Useful Information

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die" 

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the on-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.

 

Contact us: sarah@yellowtail.co.uk 

Welcome to The Century Plan podcast.

Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.

 

In this episode, Dennis and Sarah talk about Timing.

 

When is a good time to invest?

What if I act too soon?

What if I don't act quickly enough?

Does anyone know the perfect timing?

 

Useful Information 

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. It was here she gained valuable insights into the specific financial planning needs of our doctor and dentist clients. In 2022 Sarah became the second Director of Yellowtail and now looks after all non-regulated aspects of the business. Sarah ensures things are continually moving in the right direction.

 

Contact us: sarah@yellowtail.co.uk 

Welcome to The Century Plan podcast. Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us  The Century Plan podcast, to educate and highlight ways to build a brighter retirement.

 

Following on from the previous episode, Where Do I Start? Dennis and Sarah discuss different costs, how they are structured, and what you can expect.

 

Why are there so many different fee structures?

Is there an annual fee?

How much is financial advice?

In this episode, we hear why Dennis decided to step away from the pricing structure used with previous organisations and change his approach to transparent, fixed fee pricing for Yellowtail.

We also hear the hurdles and objections this brought and how he wanted clients to understand exactly what they were paying for.

 

Useful Information

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. It was here she gained valuable insights into the specific financial planning needs of our doctor and dentist clients. In 2022 Sarah became the second Director of Yellowtail and now looks after all non-regulated aspects of the business. Sarah ensures things are continually moving in the right direction.

 

Contact us: sarah@yellowtail.co.uk 

Welcome to The Century Plan podcast. Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.

 

In this episode, Sarah takes it back to basics and asks Dennis "Where do I start?"

What are the important steps in considering our financial future?

When is the best time to start planning our future?

How do I find the best financial planner to help?

How do I know if a financial planner is worth the cost?

Is it ever too late to start the financial planning process?

Which is best, ISA or pensions?

 

Listen to this episode where Dennis breaks down the process into manageable chunks and reassures us that it's never too late to start. 

 

 

Useful Information

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die" 

 

Host: Sarah  Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. It was here she gained valuable insights into the specific financial planning needs of our doctor and dentist clients. In 2022 Sarah became the second Director of Yellowtail and now looks after all non-regulated aspects of the business. Sarah ensures things are continually moving in the right direction.

 

Contact us: sarah@yellowtail.co.uk

Welcome to The Century Plan podcast.

 

Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.

 

In a change to the expected episode 7 of The Century Plan, we talk about Vulnerability.

 

Sarah and Dennis discuss "How it should feel when you talk to a financial adviser" 

What is vulnerability?

What are the benefits of being vulnerable in business?

We hear how sharing his vulnerabilities has led Dennis to feel better connected with his clients.

 

Listen to this episode to find out more.

 

Useful Information

 

Host: Dennis Hall

Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter.

Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between.

Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"

 

Host: Sarah Steele

Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. It was here she gained valuable insights into the specific financial planning needs of our doctor and dentist clients.

In 2022 Sarah became the second Director of Yellowtail and now looks after all non-regulated aspects of the business. Sarah ensures things are continually moving in the right direction.

 

Contact us: Twitter

 

Animation mentioned: https://vimeo.com/788241133

 

Welcome to The Century Plan podcast.

 

Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.

 

In episode 6 of The Century Plan, we talk about forecasting and predictions.

Why is Dennis Hall against forecasting?

What do Mystic Meg and economists have in common?

Who is John Kenneth Galbraith?

What can we learn from Robert Berkman, Bill Gross and Peter Lynch?

What is SPIVA?

 

During this episode we hear Dennis share his opinions on forecasting and we learn why listening to weather forecasts can leave Sarah eating pasta for weeks.

 

Listen to this episode to find out more.

 

Useful Information

Host: Dennis Hall

Host: Sarah Steele

Contact us: Twitter

In the first of our summer specials, we're joined by Dr. Daniel Crosby - psychologist, behavioural finance expert, and author of The Soul of Wealth.

Daniel's work invites us to rethink wealth not as a number, but as something deeply connected to our values, our behaviour, and our vision of a meaningful life.

We explore:

• Why we often know the right thing to do with money, but still don't do it

• The hidden power of "Enough is a decision"

• Why women often outperform men as investors

• How the PERMA model helps us plan for fulfilment, not just freedom

• The small wins that make delayed gratification easier

• Why vulnerability could be an advisor's greatest strength

Whether you're building your financial future or helping others plan theirs, this episode is packed with insight, warmth, and actionable ideas.

Learn more about Daniel's book: The Soul of Wealth

🎧 Listen now and subscribe for more conversations on long-term thinking, financial wellbeing, and living a life that matters.

Host: Dennis Hall

Host: Sarah Steele

Guest: Daniel Crosby Ph.D

Contact us: ask@yellowtail.co.uk

ABOUT YELLOWTAIL

Founded by Dennis Hall, Yellowtail are the trusted financial planners who advise individuals & families across the UK. Yellowtail's experts provide the clarity, control and confidence to guide you through financial planning, estate planning, pension transfers and investment management directing your journey towards a prosperous retirement and financial peace of mind.

Welcome to The Century Plan podcast.

 

Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.

 

In episode 5 of The Century Plan we talk about financial fraud, particularly scams, spoofs and phishing. And by discussing some real - life examples, hopefully we'll help you avoid them.

 

What is phishing?

What are spoofs?

Have I been scammed?

Who can help if I think I am a victim of a finanical scam?

How did scam aware Dennis find himself being scammed?

 

During this episode we signpost support and share knowledge to enable you to avoid the traps.

 

Listen to this episode to find out more.

 

Useful Information

Crimestoppers - Stop Scams UK

Age UK

Action Fraud UK

 

Host: Dennis Hall

Host: Sarah Steele

 

Contact us: Twitter

Welcome to The Century Plan podcast.

 

Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.

 

In this episode, we are introduced to Simplicity (and in turn complexity).

 

Why should we choose passive over active managment?

What does the academic world and history teach us in planning?

What can we learn from handling a bar of soap?

What do washing machines have to do with financial planning?

Everything should be made as simple as possible, but no simpler - Albert Einstein.

How can Einstein influence our financial planning?

Listen to this episode to find out more.

 

Useful Information

Host: Dennis Hall

Host: Sarah Steele

Welcome to The Century Plan podcast.

 

Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.

 

Welcome to this episode of The Century Plan, today we talk about rules of thumb , what they are, and a couple of common rules of thumb that we hear about when we talk about money.

 

What is a Rule Of Thumb?

What is the 4% rule?

What is the "Snowball" method?

What is the "Avalanche" method?

How can Rules Of Thumb help with The Century Plan?

 

During this episode we explore examples of Rules Of Thumb. We discuss whether they have a shelf life and whether they're relevant to everyone. 

 

 

Useful Information

Host: Dennis Hall

Host: Sarah Steele

Yellowtail Financial Planning: www.yellowtail.co.uk

Email: ask@yellowtail.co.uk

Welcome to The Century Plan podcast.

 

Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.

 

In this episode we explore risk, and risk in financial planning in particular.

How is risk relevant?

What is risk in planning?

What is probabilty theory?

What is standard deviation? Bell curve?

What is diversification?

 

Why is important to consider all of these in our Century Plan. Dennis talks through the meaning, the reason and the importance. Sarah keeps things on track with the Sarah test, ensuring that all information is easy to follow and understand. 

 

 

Useful Information

Host: Dennis Hall

Host: Sarah Steele

Yellowtail Financial Planning: www.yellowtail.co.uk

Email: ask@yellowtail.co.uk

Welcome to The Century Plan podcast. 

 

Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement. 

 

In this episode we are introduced to Longevity. 

What is longevity?

Why is it important?

What are Old Age Dependency Ratios?

Why is it important to consider longevity?

 

Dennis provides an insight into historic trends and how we can use these to help plan for our retirement.

 

Useful Information

Host: Dennis Hall

Host: Sarah Steele

Yellowtail Financial Planning: www.yellowtail.co.uk 

Email: ask@yellowtail.co.uk

 

 

 

 

In this season finale of The Century Plan, we wrap up our exploration of what often holds people back from engaging in financial planning. Throughout this season, we've tackled several common barriers and uncovered ways to overcome them. Here are some key factors we discussed:

• Difficulty connecting with our future selves: Many people struggle to envision their future and prioritise present desires over long-term goals.
• Perfectionism: The fear of making the "wrong" decision or not having all the perfect information can prevent action.
• Lack of time: We explored whether people truly don't have time for financial planning or if procrastination is the real issue.
• Decision overwhelm: With so many options available, the inability to make decisions can lead to inaction.
• Not knowing where to start: Financial planning can feel like a huge, overwhelming task, and not knowing where to begin stops many from taking action. We give you five actionable steps to help.
• Emotional barriers: Past financial mistakes or the emotional attachment to money can prevent people from taking the next step.
• Cost concerns: Many people hesitate to invest in financial planning due to concerns over cost, despite the potential for long-term savings.

If any of these resonate with you, you're not alone. Tune into this episode for a recap of the season and tips on how to get started with your own financial planning journey.

Useful information  

Host: Dennis Hall

Host: Sarah Steele

Contact us: ask@yellowtail.co.uk

ABOUT YELLOWTAIL

Founded by Dennis Hall, Yellowtail are the trusted financial planners who advise individuals & families across the UK. Yellowtail's experts provide the clarity, control and confidence to guide you through financial planning, estate planning, pension transfers and investment management directing your journey towards a prosperous retirement and financial peace of mind.

In this episode, Sarah throws out a challenge to Dennis: Is financial planning actually worth it?

Is she about to regret her question!? 

But it has to be addressed, because there are some who think it's a waste of time—believing pensions won't be there when they retire, their business or property will fund everything, or they'll just keep working. But are these assumptions really true?

In our latest episode of The Century Plan, we tackle the common myths that stop people from planning for their future. Financial planning isn't just about numbers—it's about making sure you have real choices later in life.

Listen now and find out why planning is worth it.

Useful information  

Host: Dennis Hall

Host: Sarah Steele

Contact us: ask@yellowtail.co.uk

ABOUT YELLOWTAIL

Founded by Dennis Hall, Yellowtail are the trusted financial planners who advise individuals & families across the UK. Yellowtail's experts provide the clarity, control and confidence to guide you through financial planning, estate planning, pension transfers and investment management directing your journey towards a prosperous retirement and financial peace of mind.

 

Our latest episode of The Century Plan explores a key question: How much does financial planning actually cost? And just as importantly, what value do you get in return?

Financial planning fees can sometimes seem unclear—hourly rates, fixed fees, percentages, subscriptions—so in this episode, we provide clarity. We explain how different charging models work, what to consider when choosing a planner, and how working with the right professional can help you make informed financial decisions that support your future.

We also discuss:

✔️ The impact of fees on your long-term investments
✔️ Why an initial conversation with a planner should be free of charge
✔️ The reassurance and structure that financial planning provides

As Dennis puts it: "Good financial planning helps you stay on track, even when the unexpected happens."

If cost has been a concern, this episode will help you understand how to assess value and make confident decisions about your financial future. 

Useful information  

Host: Dennis Hall

Host: Sarah Steele

Contact us: ask@yellowtail.co.uk

 

ABOUT YELLOWTAIL

Founded by Dennis Hall, Yellowtail are the trusted financial planners who advise individuals & families across the UK. Yellowtail's experts provide the clarity, control and confidence to guide you through financial planning, estate planning, pension transfers and investment management directing your journey towards a prosperous retirement and financial peace of mind.

In this episode of The Century Plan, we discuss five essential steps to improve financial situations as the new year begins. Emphasising the importance of budgeting, understanding state and workplace pensions, creating a financial life pack for loved ones, and visualising retirement goals. The conversation highlights practical tips and strategies for effective financial planning, encouraging you to take proactive steps towards securing your financial future.   Key takeaways:

• Budgeting is crucial for managing finances effectively.
• You can't manage what you don't measure.
• Pay yourself first by saving at the beginning of the month.
• Check your state pension forecast to ensure full benefits.
• Default pension funds may not be optimal for everyone.
• Active involvement in your investments is necessary for growth.
• Communicate financial information with loved ones for clarity.
• Create a financial life pack to organize important documents.
• Visualizing your retirement can help in planning effectively.
• Start small and build your financial planning habits over time.

Useful information  

Host: Dennis Hall

Host: Sarah Steele 

Contact us: ask@yellowtail.co.uk

Which is more important: looking after your future health or your future wealth?

In this week's episode of The Century Plan, we explore why the two are deeply interconnected.

Whether it's your health or your finances, working with a professional can offer invaluable guidance, support, and accountability.

We're joined by nutritional therapist Claire Thomas, who shares how she helps her clients achieve better health and well-being.

Here's what we cover:

Understanding nutrition's role in health and longevity

Common nutritional issues and misconceptions

The connection between nutrition and financial planning

The importance of sleep and the impact of stress

Behavioural changes and mindset

Whether fasting can work for you

Understanding epigenetics, gene expression and lifestyle choices

Genetic testing: pros and cons

The importance of expert guidance

Barriers to health and nutrition awareness

It's such a fascinating discussion. Don't miss it.

Useful information  

Host: Dennis Hall

Host: Sarah Steele 

Guest: Claire Thomas

Contact us: ask@yellowtail.co.uk