An educational podcast which focuses on helping you Retire Well, brought to you by Financial Planners at Wealth of Advice.
We'll chat about our own experiences with clients, how we helped with their retirement journey and what you need to know to make sure you can Retire Well.
Insights on pensions, investments, retirement plans and more, Retire Well hopes to make your retirement dreams a reality.
Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909.
Site
RSS
Spotify
Apple
Data updated on 21/10/2026
Recent rankings
Latest chart positions across Apple Podcasts and Spotify rankings.
Shared links between episodes and podcasts
Links found in episode descriptions and other podcasts that share them.
Details about Retire Well with Wealth of Advice, a podcast by Wealth of Advice
RSS feed quality
To improve
Score global : 42%
91: Budget Rumours, Pension Changes & Why You Shouldn't Panic
Episode 91
Tuesday, October 20, 2026 • Duration 30:30
With the Autumn Budget approaching, speculation is once again dominating the headlines. But how much of it is worth worrying about?In this episode of Retire Well, Matthew and Joe cut through the noise to discuss some of the biggest budget rumours currently making the rounds. They explore potential changes to the State Pension, the future of the triple lock, tax-free cash from pensions, Capital Gains Tax, ISA reforms, and the upcoming inheritance tax changes affecting pensions from April 2027.More importantly, they explain why making hasty financial decisions based on newspaper headlines can often do more harm than good. Drawing on real examples from previous budgets, they discuss the importance of sticking to a long-term financial plan and focusing on what you can control rather than trying to predict government policy.Whether you're retired, approaching retirement, or simply wondering what the latest budget rumours could mean for your finances, this episode provides a balanced, practical perspective on what to watch, what to ignore, and how to stay focused on your long-term goals.In this episode:The latest speculation around the Autumn BudgetWhat Labour's proposed State Pension changes could meanWhy tax-free cash rumours continue to grab headlinesPotential Capital Gains Tax reformsPension inheritance tax changes coming in 2027New ISA rules and allowancesThe impact of frozen tax thresholdsWhy a solid financial plan matters more than budget speculation📅 Join Matthew and Joe live on 28 October at 5:30pm as they break down the Budget announcements and discuss what they mean for retirement planning.https://www.retirewellpodcast.co.uk/events--CHAPTERS00:00 - Intro02:30 - State Pension Triple Lock05:10 - Social Care08:00 - Pensions: Tax-Free Cash11:45 - Capital Gains Tax17:00 - Pensions & Inheritance Tax20:20 - ISAs25:05 - Frozen Allowances26:45 - Pre Budget Actions29:15 - Budget Webinar--JOIN OUR BUDGET Q&A28th October 2026, 5:30 PM - 6:30 PMhttps://www.retirewellpodcast.co.uk/events--TALK TO USCall us: 0191 384 1008Email us: retirewell@wealthofadvice.co.ukWebsite: www.retirewellpodcast.co.uk--SUBSCRIBE TO OUR NEWSLETTERSubscribe to our newsletter for monthly retirement planning insights.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.
92: Do You Need Financial Advice? Here's How to Know
Episode 92
Tuesday, October 13, 2026 • Duration 36:25
For many people, speaking to a financial adviser feels like a big step. Whether you're approaching retirement, facing redundancy, receiving an inheritance, or simply wondering if you're on the right track, knowing when to seek advice can be difficult.In this episode of Retire Well, Matthew and Joe take you behind the scenes of the financial planning process. They discuss the life events that often prompt people to seek advice, what actually happens during a first meeting with an adviser, how recommendations are developed, and why financial planning is about much more than picking investments.The conversation explores the importance of goals-based planning, the value of having an experienced guide during major life decisions, and why good financial advice is often as much about asking the right questions as providing the right answers. Whether you've never spoken to an adviser before or you're considering seeking advice ahead of retirement, this episode offers a practical look at what to expect and how financial planning can help bring clarity and confidence to your future.📅 Join Matthew and Joe live on 28 October at 5:30pm as they break down the Budget announcements and discuss what they mean for retirement planning.https://www.retirewellpodcast.co.uk/events--CHAPTERS00:00 - Intro00:45 - What prompts someone to get advice?04:28 - What happens in the first meeting?13:09 - What should you bring?19:13 - What happens after a first meeting?28:24 - Who gets the most value from advice?29:40 - Who might not need a financial planner?35:20 - Closing thoughts--JOIN OUR BUDGET Q&A28th October 2026, 5:30 PM - 6:30 PMhttps://www.retirewellpodcast.co.uk/events--TALK TO USCall us: 0191 384 1008Email us: retirewell@wealthofadvice.co.ukWebsite: www.retirewellpodcast.co.uk--SUBSCRIBE TO OUR NEWSLETTERSubscribe to our newsletter for monthly retirement planning insights.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.
90: Retiring Before State Pension Age? How to Bridge the Gap
Episode 90
Tuesday, October 6, 2026 • Duration 31:53
If you’re planning to retire before State Pension age, how do you fund the years in between?
In this episode of Retire Well, Matthew and Joe explore how to bridge the retirement income gap by making the most of the different assets available to you. They discuss why retirement planning shouldn’t just focus on pensions, and how cash savings, ISAs, defined contribution pensions and defined benefit pensions can all play a role in creating a sustainable and tax-efficient income.
They also look at using your Personal Allowance before the State Pension kicks in, whether it can make sense to take a defined benefit pension early, and why being tax efficient shouldn’t come at the expense of enjoying the retirement you’ve worked for. Plus, they explore how your financial plan may need to change once the State Pension starts, from investment decisions and gifting to inheritance and estate planning.
Finally, Matthew and Joe discuss how potential inheritances should fit into a retirement plan and why regular reviews are so important as your goals, tax rules and circumstances change.
--
CHAPTERS
00:00 - Intro
02:49 - What do you have available to fill the gap?
06:28 - Role of cash in retirement
08:11 - What tax-efficient sources you can use?
12:30 - How defined benefit pensions change your income need
18:40 - What changes at State Pension Age?
23:00 - Importance of Ongoing Advice
26:55 - Summary, Listeners Question and Outro
89: How Long Will £500,000 Last in Retirement?
Episode 89
Tuesday, September 29, 2026 • Duration 27:26
How long could a £500,000 pension really last in retirement? And what could make your money last longer, or run out sooner?
In this episode of Retire Well, Matthew and Joe explore what a £500,000 pension could mean for someone approaching retirement, looking at different levels of retirement income and the impact of the State Pension. They also discuss why investment growth, inflation and the timing of market movements can make such a significant difference to your retirement plan.
They explore how much investment risk you might consider in retirement, the importance of keeping sufficient cash available, and why your spending is likely to change throughout different stages of retirement. The conversation also moves beyond the numbers to an equally important question: are you making the most of the money you’ve worked hard to build?
Plus, Matthew and Joe answer a listener question about whether people ever regret retiring too early, and why retirement planning should start with what you want from life rather than simply focusing on a target pension value.
--
CHAPTERS
00:00 - Introduction
01:06 - How long will an uninvested pension last?
02:16 - How investment returns can change the outlook
In this episode of Retire Well, Matthew and Joe answer more of your retirement and financial planning questions.
They explore why defined benefit pensions are often considered the “gold standard”, what happens to AVCs when you take your pension, and whether a fixed-term annuity triggers the Money Purchase Annual Allowance. They also discuss how upcoming inheritance tax changes could affect pension death benefits and whether your pension nominations need to form part of your will.
Plus, they look at whether it’s possible to save too much into your pension when you’re younger, how to plan for potential care costs later in life, and how equity release actually works when you’re already retired.
If you have a question you’d like Matthew and Joe to answer in a future Q&A episode, leave a comment on YouTube or Spotify, or get in touch via the Retire Well website.
In this episode:
Why are defined benefit pensions considered the gold standard?
What happens if you don’t take your AVC as tax-free cash?
Do fixed-term annuities trigger the Money Purchase Annual Allowance?
Do pension nominations need to be included in your will?
When can you stop contributing to your pension?
How much should you plan for future care costs?
How does equity release work in retirement?
--
CHAPTERS00:00 - Introduction
00:50 - Are DB pensions the gold standard?
04:10 - DB pensions & AVC options
09:04 - Does an Annuity trigger the MPAA?
87: 5 Hidden Retirement Costs Most People Forget to Plan For
Episode 87
Tuesday, September 15, 2026 • Duration 29:10
Are you planning for retirement and wondering whether your savings will be enough?
In this episode of the Retire Well Podcast, Matthew and Joe from Wealth of Advice discuss five hidden retirement costs that many people overlook when building their retirement plan. While most people account for regular monthly expenses, it's often the unexpected and irregular costs that can have the biggest impact on long-term financial security.
Topics covered include:
Home maintenance, repairs, and renovations
Replacing and running a car in retirement
The long-term impact of inflation
Spending more money simply because you have more free time
Supporting children and grandchildren through gifting and financial help
The episode also explores practical ways to plan for these costs, including contingency funds, cash flow modelling, and creating a retirement strategy that reflects real life rather than just monthly bills.
Whether you're approaching retirement or already retired, this conversation will help you avoid common planning mistakes and build greater confidence in your financial future.
Have a retirement question? Leave it in the comments and it could feature in a future Q&A episode.
Subscribe for more retirement planning and financial advice content every week.
--
CHAPTERS
00:00 - Introduction
86: Annuities, Drawdown and Beyond - Finding the Right Retirement Income Mix
Episode 86
Tuesday, September 8, 2026 • Duration 31:01
When it comes to retirement income, is it better to have guaranteed certainty or maximum flexibility?
In this episode of Retire Well, Matthew and Joe explore one of the biggest questions retirees face: how much guaranteed income do you actually need? They discuss the role of State Pensions, defined benefit pensions and annuities, alongside flexible options such as drawdown, ISAs and cash savings.
The conversation goes beyond the typical annuity-versus-drawdown debate, focusing instead on how guaranteed and flexible income can work together to create a retirement plan that matches your spending needs, attitude to risk and long-term goals.
You'll learn:
What counts as guaranteed income in retirement
Why essential spending is often the starting point for retirement planning
How State Pensions, defined benefit schemes and annuities fit into the picture
The advantages and challenges of flexible income through pensions, ISAs and cash
Why cash can play an important role in retirement security
How your need for guaranteed income may change throughout retirement
The relationship between guaranteed income, investment risk and peace of mind
Why stress-testing your retirement plan is so important
Whether you're approaching retirement or already drawing an income, this episode will help you think more clearly about the balance between certainty and flexibility, and how to build a retirement income strategy that lets you sleep well at night.
--
CHAPTERS
00:00 - Introduction
01:13 - What counts as guaranteed income?
85: 5 Essential Things to Do Before You Retire
Episode 85
Tuesday, September 1, 2026 • Duration 34:01
Retirement is one of the biggest financial and lifestyle transitions you'll ever make, but how do you know you're truly ready?
In this episode of Retire Well, Matthew and Joe discuss the five essential things to think about before retiring. From understanding what your retirement lifestyle will actually cost, to mapping out your income sources, maximising tax-efficient opportunities, managing mortgages and cash reserves, and stress testing your plan against the unexpected, they share practical insights to help you retire with confidence.
You'll learn:
Why retirement planning should start with spending goals, not pension values
How to build a reliable retirement income plan
The role of pensions, ISAs, cash savings and other assets in retirement
Ways to maximise tax efficiency in your final working years
Whether paying off your mortgage before retirement is the right move
How much cash you might want to hold as a safety net
Why stress testing your retirement plan can help you avoid costly mistakes
Whether retirement is five years away or just around the corner, this episode will help you think beyond the numbers and focus on building a retirement plan that's both financially secure and personally fulfilling.
--
CHAPTERS
00:00 - Introduction
01:05 - What will retirement actually cost?
06:18 - Mapping your retirement income
12:22 - Being tax-efficient in your final working years
18:24 - Mortgages, cash balances and major spending
25:50 - Stress testing the plan
84: Care Home Fees, Gifting & Inheritance Tax Planning
Episode 84
Tuesday, August 25, 2026 • Duration 38:59
As retirement progresses, financial priorities often shift from building and spending wealth to protecting it. In this episode of Retire Well, Matthew and Joe explore the final stage of financial planning, focusing on care fee planning, inheritance tax mitigation, gifting strategies and leaving a meaningful legacy.
The discussion covers key questions many retirees face in their 70s and beyond, including how to fund potential care costs, whether to gift assets during your lifetime, and how trusts can help protect wealth for future generations. Matthew and Joe also explain discounted gift trusts, business relief investments, immediate needs annuities, lasting powers of attorney and the importance of reviewing estate plans as legislation changes.
Using the latest chapter of their ongoing case study, they demonstrate how later life planning is about balancing your own financial security with the desire to support children, grandchildren and loved ones.
Topics covered:
Care home fee planning and common misconceptions
Gifting money to family and the seven-year rule
Trusts and inheritance tax planning
Discounted Gift Trusts explained
Business Relief investments and estate planning
Lasting Powers of Attorney
Immediate Needs Annuities for care costs
Balancing financial security with leaving a legacy
For more retirement planning insights, subscribe to the Retire Well podcast and join the conversation.
🔔 Subscribe for more retirement and financial planning insights.
83: Have You Got Enough To Retire and Are You Making the Most of It?
Episode 83
Tuesday, August 18, 2026 • Duration 35:43
Retirement isn't just about reaching the finish line. Once you've stopped working and settled into life after employment, a new set of financial questions begins to emerge.
In this episode of Retire Well, Matthew and Joe explore what happens when retirement becomes reality. They discuss how retirees can reassess their financial position, determine whether they're spending enough to enjoy life, and identify opportunities they may be overlooking.
Topics include:
Why retirement plans should evolve over time
The risk of becoming too cautious with spending
How annual reviews can uncover new opportunities
Tax-efficient ways to access retirement income
Deciding where to take lump sums from
Gifting money to children and grandchildren
Inheritance tax planning strategies
The role of trusts, surplus income gifting, and insurance
Why wills and lasting powers of attorney should be regularly reviewed
Using the ongoing case study of Alex and his spouse, Matthew and Joe explain how financial priorities often shift from accumulating wealth and generating income to thinking about legacy, family support, and estate planning.
Whether you're recently retired or several years into retirement, this episode offers practical guidance on making the most of your hard-earned wealth while ensuring your plans remain aligned with your goals.
🔔 Subscribe for more retirement and financial planning insights.
Related Shows Based on Content Similarities
Discover shows related to Retire Well with Wealth of Advice, based on actual content similarities. Explore podcasts with similar topics, themes, and formats, backed by real data.
Subscribe to our newsletter for monthly retirement planning insights.
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.
Subscribe to our newsletter for monthly retirement planning insights.
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.
Subscribe to our newsletter for monthly retirement planning insights.
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.
Subscribe to our newsletter for monthly retirement planning insights.
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.
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.
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.
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.
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.
