Explore every episode of the podcast The Finance Geeks Podcast
| Title | Pub. Date | Duration | |
|---|---|---|---|
| Episode 2: Wrangling Bulls & Bears - Insights for a Steady Financial Ride | 30 Oct 2024 | 00:41:14 | |
In this episode of The Finance Geeks, Paul Cleworth and Warren Shute bring you on a journey through the unpredictable world of bull and bear markets. Just like wrangling powerful forces in the wild, navigating market shifts requires skill, patience, and a clear strategy. Paul and Warren dive into what makes a market “bullish” or “bearish” and explore why these cycles occur, emphasizing the importance of staying calm and focused even in turbulent times. They share insights on recent trends in major market indices, the dynamics of growth and value stocks, and why bull markets have historically lasted longer than bear markets. Whether you’re an investing newcomer or a seasoned market watcher, Paul and Warren’s expert perspectives will help you stay balanced and resilient through all of the market’s twists and turns. ========================== Chapters: 0:00 - Intro 4:56 - The Focal Point: Bulls & Bears 37:53 - Quotes & Anecdotes ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. | |||
| Episode 01: Autumn Budget 2024 - The Geeky Guide to What’s Coming | 14 Oct 2024 | 00:35:48 | |
After a summer break full of travels and downtime, Paul and Warren are back with The Finance Geeks! In this episode, they get straight to business, tackling the upcoming UK Budget on October 30th. The Geeks discuss the potential tax changes on the horizon and how they could affect everything from pensions to capital gains. Whether it's Capital Gains Tax (CGT), Inheritance Tax (IHT), or possible tweaks to pensions, Paul and Warren offer their expert insights on what might be coming your way—and how a good adviser can help you save. Tune in to find out what’s in store for your finances this autumn! ========================== Chapters: 0:00 - Intro 4:04 - The Focal Point: The Autumn Budget - What's Coming 31:49 - Quotes & Anecdotes ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. | |||
| Episode 005: Action Man vs. the Taxman - Become a tax efficient investment geek! | 22 Mar 2024 | 00:52:36 | |
In the ever-present battle for financial dominance, a new challenger emerges! Forget the stock market swings and the endless ticker tape scrolls. Today's fight is against a familiar foe – the Taxman. But fear not, fellow investment geeks! Here at the Finance Geeks Podcast, we're arming you with the knowledge and strategies to become tax-efficient investing heroes. We'll delve into the intricacies of allowances, pensions, and investment accounts, showing you how to maximize your returns while minimizing your tax burden. ===================== Chapters: 0:00 - Intro 8:22 - Hot off the press 12:31 - The focal point: Risk – how to become a tax efficient investment geek! 43:18 - Two Pennies Worth 48:52 - Quotes & Anecdotes ===================== Follow us our our social media channels: Instagram: https://www.instagram.com/financegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ===================== Podcast Reference Links: Spring Budget: Workers to pay less national insurance from April https://www.moneysavingexpert.com/news/2024/03/national-insurance-cut-spring-budget-2024/ Download the FULL Spring 2024 Budget https://www.gov.uk/government/publications/spring-budget-2024 UK ISA consultation - GOV.UK (www.gov.uk) https://www.gov.uk/government/consultations/uk-isa-consultation Taxation in the United Kingdom https://en.m.wikipedia.org/wiki/Taxation_in_the_United_Kingdom 21 Types of Tax we pay https://www.oneaccounting.co.uk/21-types-tax-we-pay-spurious-link-beatles/ Tax-efficient ways to save or invest https://www.moneyhelper.org.uk/en/savings/types-of-savings/isas-and-other-tax-efficient-ways-to-save-or-invest HMRC tax receipts and National Insurance contributions for the UK (annual bulletin) https://www.gov.uk/government/statistics/hmrc-tax-and-nics-receipts-for-the-uk/hmrc-tax-receipts-and-national-insurance-contributions-for-the-uk-new-annual-bulletin#:~:text=HMRC%20collected%20%C2%A3788.6%20billion,for%2056%25%20of%20annual%20receipts What is EIS, VCT or SEIS? https://www.mandg.com/wealth/adviser-services/tech-matters/investments-and-taxation/eis-vct-and-seis/eis-vct-seis Same as Ever – Book by Morgan Housel https://www.amazon.co.uk/Same-Ever-Timeless-Lessons-Opportunity/dp/1804090638 The tax poem — Adam Smith Institute https://www.adamsmith.org/blog/miscellaneous/the-tax-poem | |||
| Episode 004: Unmasking the Mystery of Investment Risk | 06 Mar 2024 | 00:55:04 | |
Have you ever wondered what lurks behind the cryptic phrase "investment risk"? It might sound like a financial boogeyman, shrouded in mystery and ready to pounce on your hard-earned cash. But fear not, as today on The Finance Geeks, we're unmasking the mystery of investment risk. We will be putting on our metaphorical trench coats and magnifying glasses, delving into the different types of risk lurking in the investment world. We'll shed light on how these risks can impact your portfolio, but more importantly, we'll equip you with the knowledge to become a risk-savvy investor, not a risk-averse one. Join us as we unveil the true nature of investment risk, debunk the myths, and empower you to navigate the financial landscape with confidence. ===================== Chapters: 0:00 - Intro 5:25 - Hot off the press 13:16 - The focal point: Risk – What does risk mean to you? What are the main risks when investing? 45:04 - Two Pennies Worth 48:38 - Quotes & Anecdotes ===================== Podcast Reference Links: UK Budget and rumours of NI Cut https://www.bbc.co.uk/news/business-68406450 Public Finances https://commonslibrary.parliament.uk/research-briefings/sn02812/ UK Govt Debt and deficit https://www.ons.gov.uk/economy/governmentpublicsectorandtaxes/publicspending/bulletins/ukgovernmentdebtanddeficitforeurostatmaast/september2023 UK National Debt https://www.economicshelp.org/blog/334/uk-economy/uk-national-debt/ Bitcoin Price Climbs https://www.investing.com/news/cryptocurrency-news/bitcoin-rally-continues-price-climbs-above-60k-for-the-first-time-since-november-2021-432SI-3318744 SJP share price crash https://citywire.com/new-model-adviser/news/sjp-shares-crash-after-it-sets-aside-426m-for-advice-fee-refunds/a2437114 Inflation figures https://www.economist.com/the-world-this-week/2024/02/15/business Berkshire Hathaway report https://www.berkshirehathaway.com/ What is RISK? https://en.wikipedia.org/wiki/Risk What is risk? Dictionary definition. https://www.merriam-webster.com/dictionary/risk Systemic vs Systematic risk https://efinancemanagement.com/investment-decisions/systemic-vs-systematic-risk Unsystematic risk/ Idiosyncratic risk https://www.investopedia.com/terms/u/unsystematicrisk.asp Risk vs Volatility https://www.forbes.com/uk/advisor/investing/risk-vs-volatility-whats-the-difference/ 5 commons myths about investment risk https://tandemfinancial.co.uk/tandem-thinking/investment-risk-5-common-myths-and-misconceptions/ Dashlane (App) https://www.dashlane.com/ HMRC App https://www.gov.uk/guidance/download-the-hmrc-app The Gentlemen (TV Series) https://www.netflix.com/gb/title/81437051 The Stranger https://www.netflix.com/gb/title/81001209 Dumb Money https://www.amazon.co.uk/Dumb-Money-Paul-Dano/dp/B0CLVTHKMM Mark Zuckerberg quote on risk https://twitter.com/HRquote/status/907109359133630465/photo/1 Warren Buffet quote on risk https://www.azquotes.com/quotes/topics/risk-management.html Maharishi quote https://thomknoles.com/podcast/knowledge-structured-consciousness/ Warren Buffett quotes https://www.investopedia.com/financial-edge/0511/the-top-17-investing-quotes-of-all-time.aspx | |||
| Episode 003: Level Up Your Finances - Mastering the Art of Budgeting and Cash Flow | 27 Feb 2024 | 01:15:57 | |
Calling all financial adventurers! Get ready to slay the debt dragon and conquer your financial fortress with Paul Cleworth and Warren Shute. Join us on this epic quest to master the art of saving and avoiding the traps of impulsive spending. We'll uncover the secret formula for success (no magic potions needed!), exploring the legendary 50/30/20 rule and the hidden treasures of Compound Interest. ===================== Chapters: 0:00 - Intro 9:09 - Hot off the press 16:40 - The focal point: How much could you save? budgeting, cashflow and getting the balance right 59:46 - Two Pennies Worth 1:10:46 - Quotes & Anecdotes ===================== Podcast Reference Links: Uk Fell into recession https://www.bbc.co.uk/news/live/business-68297420 Red Sea Crisis https://www.bbc.co.uk/news/uk-england-hampshire-68294622 Steve Wright https://www.bbc.co.uk/news/entertainment-arts-68292724 Finance Act 2023 https://www.legislation.gov.uk/ukpga/2023/1 Budget March 2024 https://www.bbc.co.uk/news/uk-politics-68159003 The Calculator Site https://www.thecalculatorsite.com/finance/calculators/compoundinterestcalculator.php Budget Planning PDF https://tandemfinancial.co.uk/wp-content/uploads/2022/05/Budget_Planning_Factsheet.pdf EOY Tax Guide https://www.dropbox.com/scl/fi/vbf2cirq8aj42kibe65j2/Tandem-Tax-Guide-2024_01.pdf?rlkey=hqu88aw7tjl607lfhv7d12v6y&dl=0 Use this Spreadsheet for cashflow and BTLs https://tandemfinancial.co.uk/wp-content/uploads/2022/05/CashFlow__BTL_Spreadsheet.xlsx Pay Yourself First! https://www.investopedia.com/terms/p/payyourselffirst.asp Article on Time, Money and Health. https://tandemfinancial.co.uk/tandem-thinking/time-money-and-health-achieving-balance-at-each-life-stage/ Article on Investment Risk, Myths and misconceptions. Differences between Saving and Investing. https://tandemfinancial.co.uk/tandem-thinking/investment-risk-5-common-myths-and-misconceptions/ The 50/30/20 Budget Rule https://www.investopedia.com/ask/answers/022916/what-502030-budget-rule.asp Park Run https://www.parkrun.org.uk/ Josh & Gabby Butten https://www.boosst.financial/ Brett Davidson https://fpadvance.com/ The Money Plan (Book) https://www.amazon.co.uk/Money-Plan-Warren-Shute/ The Number (Book) https://amzn.eu/d/eSlu3V7 Die With Zero (Book) https://amzn.eu/d/eSlu3V7 Lumi Light (Gadget) https://amzn.eu/d/gMttENn Lumi Alarm (Gadget) https://amzn.eu/d/9lJXqvN Build Your Stax (App) https://buildyourstax.com/ Blackberry (Film) https://www.blackberrymovie.com/ Feel Good Productivity (Audiobook) https://amzn.eu/d/hvdyNuc Ali Abdaal’s website https://www.feelgoodproductivity.com/ Curve (App) https://curve.com/en-gb/how-it-works
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| Episode 002: Secrets to a Happy Life - The Ultimate Investment | 20 Feb 2024 | 00:59:37 | |
In this episode, the Geeks ditch the spreadsheets and dive into the ultimate investment - happiness (with dividends that reach every corner of your life). Discover the secrets to unlocking happiness that's bigger, brighter, and more fulfilling than any fleeting financial gain. So, let's get happy and let's show the world that true happiness is built on more than just numbers – it's built on a foundation of laughter, love, and living life to the fullest!
===================== Chapters: 0:00 - Intro 1:43 - what have you been up to? 7:13 - Hot off the press 14:52 - The focal point: Secrets to a Happy Life 45:52 - Two Pennies Worth 56:43 - Quotes & Anecdotes ===================== Podcast Reference Links: Medical Wellness Checking (website) https://www.medichecks.com/ Bank of England holds interest rates at 5.25% https://www.bbc.co.uk/news/live/business-68164004 What are UK interest rates and when will they fall? https://www.bbc.co.uk/news/business-57764601 Key financial dates for 2024 https://www.thetimes.co.uk/money-mentor/income-budgeting/key-financial-dates-to-look-out-for-in-2024 This will be the biggest tax-raising parliament on record https://ifs.org.uk/articles/will-be-biggest-tax-raising-parliament-record#:~:text=At%20the%20time%20of%20the,in%20the%20post%2Dwar%20period. Total public sector net debt in the United Kingdom from 2000/01 to 2028/29 https://www.statista.com/statistics/282647/government-debt-uk/ Public Finances: Key Economic Indicators https://commonslibrary.parliament.uk/research-briefings/sn02812/ How Much of Your Happiness Is Under Your Control https://greatergood.berkeley.edu/article/item/how_much_of_your_happiness_is_under_your_control What does science have to do with happiness? https://www.betterhelp.com/advice/psychologists/sonja-lyubomirsky-what-does-science-have-to-do-with-happiness/ Griselda (Netflx Series) https://www.netflix.com/gb/title/81133447 Blackberry (Film) https://www.imdb.com/title/tt21867434/ Elon Musk by Walter Isaacson (Book) https://www.amazon.co.uk/Elon-Musk-Walter-Isaacson/dp/1398527491 Sit-Stand Desktop Workstation https://www.dell.com/en-uk/shop/ergotron-workfit-tl-sit-stand-desktop-workstation-black-with-grey-surface/apd/a8638607/monitors-monitor-accessories Countdown (App) https://apps.apple.com/us/app/countdown/id1403367428 Albert Schweitzer quote on happiness: https://www.flickr.com/photos/tandemfinancial/37412929710/in/album-72157687946672833/ This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. | |||
| Episode 001: 2024 Goals - Crushing It Like a Financial Geek | 12 Feb 2024 | 01:04:37 | |
In this episode, the geeks share their personal and professional goals for the year, offering insights you can apply to your own financial journey. Join The Finance Geeks as we unleash our inner financial nerd and crush 2024 like the fiscally responsible rockstars we are. ===================== Podcast Reference Links: UK House Price Index https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/housepriceindex/november2023 When will we get back to low inflation https://www.bankofengland.co.uk/explainers/will-inflation-in-the-uk-keep-rising Rising cost of living in the UK https://commonslibrary.parliament.uk/research-briefings/cbp-9428/ Inflation and Price indices https://www.ons.gov.uk/economy/inflationandpriceindices RPI versus CPI https://www.thetimes.co.uk/money-mentor/income-budgeting/how-to-budget/rpi-versus-cpi Triple Lock State Pension future changes https://commonslibrary.parliament.uk/the-triple-lock-how-will-state-pensions-be-uprated-in-future/ Transcendental Meditation https://uk.tm.org/ HUM Premium Newsletter for Financial Planners (Andy Hart) https://www.humansundermanagement.com/ Family Location App (App) https://www.life360.com/uk/ Birthday App (App) https://apps.apple.com/gb/app/birthday-reminder-countdown/id1453656360 How to Think About Money (Book) https://tandemfinancial.co.uk/book-reviews/how-to-think-about-money-book-review/ and https://amzn.eu/d/daorWPN Get Things Done - David Allen (Book) https://amzn.eu/d/cKeNgSF Get More Referrals Now (Book) https://amzn.eu/d/3GAdcJM Think and Grow Rich (Book) https://amzn.eu/d/7uR2ONi The Dawn Wall (Film) https://www.imdb.com/title/tt7286916/ Quotes https://www.flickr.com/photos/tandemfinancial/albums/72157687946672833/
===================== Disclaimer: This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. | |||
| Episode 013: Raising Money Smart Kids - Conquering the Financial Playground | 09 Jul 2024 | 00:50:59 | |
In this episode, financial experts Warren Shute and Paul Cleworth share their experiences and practical tips to help you equip your kids with the skills to navigate the financial ups and downs of life with confidence. Discover why financial literacy is a must-have superpower for your kids, and learn how to teach them to navigate the financial ups and downs like pros. Warren and Paul will share age-appropriate strategies and systems that make money management a fun and engaging part of growing up. From swinging into positive money habits to balancing on the financial seesaw, this episode is packed with practical tips and geeky insights. Learn how to use allowances as teaching tools and transform the sandbox of savings into a place of empowerment. Tune in and transform your child's financial playground into a space of confidence and future success. Get ready to geek out on money and help your kids conquer the financial playground with flying colours! ========================== Chapters: 0:00 - Intro 8:12 - The Focal Point: Raising Money Smart Kids 47:17 - Quotes & Anecdotes ========================== Podcast Reference Links: HyperJar | Free Money Management App & Card Go Henry - Teaching Kids & Teens Money Skills For Life Rooster money - NatWest Rooster Money | Kids' Prepaid Debit Card and Pocket Money App Nimbl - Mastercard Morgan Housel - The best financial advice I know (what I want my kids to learn) https://open.spotify.com/episode/13uqPBWgAyT4VHRZEfMfXH?si=f6e8cdd7595143fd ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. #pocketmoney #kidsfinance #thefinancegeeks #moneymanagementforkids #moneysmartkids #teachingkidsfinance #youthfinancialeducation #youthfinance #kidsfinancetips
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| Episode 012: Love and Money - Navigating Finances with Your Partner | 25 Jun 2024 | 00:46:20 | |
This episode tackles the ultimate two-player challenge: Love and Money! We're delving into the pixelated world of couples' finances, guiding you through your financial journey together. We'll decode the secrets of managing your money together, dodge hidden traps of financial infidelity, and explore how different spending habits can affect your relationship and how to manage them. Level up your relationship with our essential strategies. This includes planning a romantic "financial date night" to discuss budgets and goals; establishing clear spending boundaries to avoid any surprises down the road; and learning how to manage your bank accounts together without causing financial strain on your relationship. Join us in this episode to learn how to turn your financial woes into a victory dance for your relationship! ========================== Chapters: 0:00 - Intro 7:29 - The Focal Point: Relationships & Money 42:14 - Quotes & Anecdotes ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. #CouplesFinance #MoneyTalksLoveListens #LoveAndMoney #DateNightIdeas #FinancialPlanning #CoupleFinancialPlanning #GrowingTogether #FinancialInfidelity #TheFinanceGeeks #FinancialEducation #FinancialSuccess | |||
| Episode 011: Financial Wellbeing - Find Your Balance, Achieve Financial Nirvana | 13 Jun 2024 | 00:52:06 | |
Join finance gurus Paul and Warren on a journey to financial nirvana! This episode tackles the essential question: what truly defines your financial wellbeing? The Finance Geeks unpack the key aspects that could help you to achieve financial peace of mind. They'll discuss the core pillars of what financial freedom means, from getting organized and budgeting effectively to managing debt, saving for the future, and building resilience. Learn how to cultivate the right financial mindset and unlock the door to financial wellness and a life of balanced abundance. ========================== Chapters: 0:00 - Intro 7:47 - The Focal Point: Financial Wellbeing 48:48 - Quotes & Anecdotes ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. #financialfreedom #financialwellbeing #financialwellness #financialnirvana #debtfreejourney #thefinancegeeks #warrenshute #paulcleworth | |||
| Episode 010: Property vs Pensions - Showdown at the Retirement Corral | 04 Jun 2024 | 00:43:16 | |
Saddle up, partners, for "The Showdown at the Retirement Corral". How do you wrangle in that perfect nest egg for your golden years? We'll be bustin' broncs of confusion surrounding property and pension investments. On one side of the corral, we've got the familiar ranch hand, Property. It's a tangible critter, offering that steady stream of rental income and the potential for growth over time. Now, mosey on over to the other side of the corral, where the Pension stands guard. This fella offers some mighty attractive tax benefits and employer contributions. Warren and Paul will be your trusty guides on this financial trail ride, providin' the information you need to make an informed decision and ride off into a happy retirement! ========================== Chapters: 0:00 - Intro 5:05 - The Focal Point: Property vs Pensions ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast References: Clarkson's Farm Season 3 https://www.amazon.co.uk/Clarksons-Farm-Season-3/dp/B0CWTYDKJ7 Duke of Edinburgh Awards Property vs Pension - Frazer James https://frazerjames.co.uk/property-vs-pension/ Pension Or Property Which Is The Better Investment - Unbiased Property or pension — which is the better investment? TEBI (evidenceinvestor.com) https://www.evidenceinvestor.com/property-or-pension-which-is-the-better-investment/ Property or pension in retirement? Maybe blending is the answer (netwealth.com) https://www.netwealth.com/ourviews/property-or-pension-in-retirement-maybe-blending-is-the-answer/ Pension protection - Check your money is protected - FSCS https://www.fscs.org.uk/what-we-cover/pensions/ Tandem Talks: How are your monies protected on the platform? – Tandem Financial The Age of Humans: Evolutionary Perspectives on the Anthropocene https://humanorigins.si.edu/research/age-humans-evolutionary-perspectives-anthropocene ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. #retirementplanning #propertyinvestinguk #investingstrategies #pensionplanning #financialfreedom #goldenyears #pensionposse #propertyprospectors #financiallasso #greatretirementshowdown #propertyorpension | |||
| Episode 009: 12 golden rules of investing - Paul's nerdy nuggets get decoded by Warren | 21 May 2024 | 00:38:07 | |
In this episode of "The Finance Geeks," get ready to embark on an epic quest as Paul unveils his twelve golden rules of investing. Each rule is a powerful tool in your arsenal, meticulously honed to guide you through the treacherous dungeons of financial decision-making. But fear not, fellow adventurers, for no quest through the realm of The Finance Geeks is complete without the sage wisdom of Warren, who will be deciphering Paul's Nerdy Nuggets with his own unique insights. Join us as we delve into the depths of financial strategy, navigating through the twists and turns of investment success like seasoned adventurers in search of legendary loot. What secrets lie within Paul's twelve rules, and how many will gain the esteemed nod of Warren? Prepare your potions and sharpen your swords as we embark on this thrilling journey through the realm of investment geekery, and discover these fabled 12 golden rules. ---------------------------------------------------------- Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ---------------------------------------------------------- Podcast Reference Links: The Royal Albert Hall https://www.royalalberthall.com/tickets/events/2024/film-music-gala-3/ Miles Karting IG Account https://www.instagram.com/milesaheadmotorsport Who are Vanguard https://www.vanguard.co.uk/professional/about-vanguard How many Humans have ever lived? https://www.visualcapitalist.com/cp/how-many-humans-have-ever-lived/ Tandems 12 Golden Rules of Investing https://tandemfp.sharepoint.com/sites/Tandem/Documents/Forms/AllItems.aspx?id=%2Fsites%2FTandem%2FDocuments%2FTandem%20Team%20Folder%2FCreative%20Adviser%2F41%2E%20Podcast%20notes%2F12%20Golden%20Rules%2Epdf&parent=%2Fsites%2FTandem%2FDocuments%2FTandem%20Team%20Folder%2FCreative%20Adviser%2F41%2E%20Podcast%20notes&p=true&ga=1 4000 Weeks (book) by Oliver Burkman ----------------------------------------------------- #goldenrules #goldenrulesforsuccess #investing101 #investingstrategies #investingeducation #thefinancegeeks #financialplanning #rulesofwealth #rulesofinvesting ----------------------------------------------------- This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. | |||
| Episode 008: Mastering Money with Financial Rules of Thumb | 30 Apr 2024 | 00:57:48 | |
A financial heuristic is a mental shortcut you use to make financial decisions quickly and easily. These are also known as financial rules of thumb, and can guide your financial choices without requiring extensive analysis and avoiding information overload. In this episode of The Finance Geeks, we're putting these financial rules of thumb under the microscope. We'll explore popular rules like the 50/30/20 Rule (50% Needs, 30% wants, 20% invest), the Rule of 72 (calculating investment doubling time), the 100-minus-your-age asset allocation strategy and the Pareto Principle (80/20 Rule), plus many more, revealing their strengths and limitations. ========================== Chapters: 0:00 - Intro 8:33 - Hot Off The Press 18:40 - The Focal Point: Financial Rules of Thumb 44:07 - Two Pennies Worth 49:56 - Quotes & Anecdotes ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast Reference Links: Everything you need to know about St George 9 things you didn't know about St George Bitcoin Halving Event Of 2024: The Aftermat https://www.forbes.com/uk/advisor/investing/cryptocurrency/bitcoin-halving-event-2024/ Bitcoin Will Pass $250K, Central Banks Will Jump In Before Next Halving Gold prices hit an all-time high https://www.cnbc.com/2024/04/01/gold-prices-hit-all-time-high-what-to-know-before-investing.html FTSE and why it is going up The Rule of 72: Definition, Usefulness, and How to Use It https://www.investopedia.com/terms/r/ruleof72.asp Budget Planning Guide https://tandemfinancial.co.uk/wp-content/uploads/2022/05/Budget_Planning_Factsheet.pdf The 10/10/10 Rule For Tough Decisions https://www.fastcompany.com/3007613/10-10-10-rule-tough-decisions Handy Money Rules of Thumb Financial Rules of Thumb https://www.getrichslowly.org/financial-rules-of-thumb/ Pareto Principle (80:20 Rule) https://en.wikipedia.org/wiki/Pareto_principle The Obstacle is the Way (Book) https://tandemfinancial.co.uk/book-reviews/the-obstacle-is-the-way/ The Money Plan (Book) City Mapper (App) https://citymapper.com/?lang=en Red Eye (Film) https://www.itv.com/watch/red-eye/10a4437
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| Episode 007 : The "Enough" Enigma - Cracking the Code to Financial Fulfilment | 16 Apr 2024 | 00:51:05 | |
Feeling like you're constantly chasing more money? In this episode of The Finance Geeks, Warren and Paul crack the code to financial fulfilment! We delve into the "Enough" Enigma, revealing why clarity is key to achieving financial peace. Learn why knowing your desired lifestyle and values is crucial, and how Maslow's Hierarchy of Needs helps define your "enough." We'll explore the concept of lifestyle inflation and strategies to avoid the "keeping up with the Joneses" trap. Join us as we equip you with strategies to unlock financial fulfilment and build a life you truly love! ========================== Chapters: 0:00 - Intro 6:51 - Hot Off The Press 14:47 - The Focal Point: Exploring the concept of "enough" 38:50 - Two Pennies Worth 44:10 - Quotes & Anecdotes ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/financegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast Reference Links: Article on the Anxious generation https://www.afterbabel.com/p/its-time-to-free-the-anxious-generation Does winning the lottery ruin the lives of winners? Jonathan Haidt on Modern Wisdom Podcast number 766 https://open.spotify.com/episode/4JVyuByH1hq9rvB9Do6kF7?si=577bc8a74a324830 British UK ISA debacle Future Value Calculator (website) https://www.calculatorsoup.com/calculators/financial/future-value-calculator.php Compound Interest Calculator (website) https://www.thecalculatorsite.com/finance/calculators/compoundinterestcalculator.php Oura Ring (gadget) Scoop (Film) https://www.netflix.com/gb/title/81600418 How Much is Enough? - Robert Skidelsky (book) The Number - Lee Eisenberg (book) Die with Zero - Bill Perkins (book) The Beautiful Game (film) https://youtu.be/pXWgl7pOpMM?si=GrPxCBFuMjyb6A0i After Bable (Website)
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| Episode 006: Your Financial Force Field - Plan for the unknown and protect yourself | 02 Apr 2024 | 00:47:40 | |
Does life sometimes feel like a rogue asteroid hurtling towards your financial well-being? Don't panic! This episode equips you with the tools to build a Financial Force Field, deflecting the unexpected financial blows that can send your budget into a black hole. We explore the importance of an emergency fund. Think of it as your personal starship's warp core reserve. We'll also blast off into the world of Income Protection. This isn't just your average illness and injury insurance, it's your financial deflector shield against lost income. Whether you're battling a surprise space slug infestation (illness) or a malfunctioning replicator (disability), Income Protection ensures a steady stream of income to keep your financial starship afloat. ===================== Chapters: 0:00 - Intro 4:03 - Hot off the press 10:47 - The focal point: Planning for the unknown (Emergency Cash, Income Protection and PMI) 39:20 - Two Pennies Worth 43:38 - Quotes & Anecdotes ===================== Follow us our our social media channels: Instagram: https://www.instagram.com/financegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ===================== Podcast Reference Links: ADX Karting at Rye House https://www.adxkarting.com/ ONS CPI data https://www.ons.gov.uk/economy/inflationandpriceindices S&P reaching new highs https://www.investing.com/indices/us-spx-500 S&P vs Dow vs Nasdaq https://www.investopedia.com/nasdaq-vs-sp500-vs-dow-5213252 Daniel Kahneman https://en.wikipedia.org/wiki/Daniel_Kahneman What is Income Protection? https://www.moneyhelper.org.uk/en/everyday-money/insurance/what-is-income-protection-insurance The Top 10 Private Medical Insurance (PMI) Providers in the UK https://www.thanksben.com/blog/who-are-the-top-10-private-medical-providers-in-the-uk Statutory Sick Pay (SSP) Overview https://www.gov.uk/statutory-sick-pay Most commons reasons for PHI claim https://www.lv.com/income-protection/faq/what-are-the-most-common-types-of-claim-you-pay Cancer statistics https://www.macmillan.org.uk/about-us/what-we-do/research/cancer-statistics-fact-sheet Difference between illness and injury insurance and proper income protection https://www.legalandgeneral.com/insurance/income-protection-insurance/ Reassured Q&A and stats on income protection plus calculator https://www.reassured.co.uk/income-protection/income-protection-claims/ How will your measure your life (Book) https://tandemfinancial.co.uk/book-reviews/how-will-you-measure-your-life-book-review/ Thinking Fast and Slow (Book) https://tandemfinancial.co.uk/book-reviews/thinking-fast-and-slow-by-daniel-kahneman-book-review/ Headway Book Summary(App) https://makeheadway.com/ Blinkist (Website) https://www.blinkist.com/en/home One Life (Film) https://www.imdb.com/title/tt13097932/ George Bernard Shaw Quote https://www.flickr.com/photos/tandemfinancial/23818046318/in/album-72157687946672833/ Quote about Wealth https://www.flickr.com/photos/tandemfinancial/37412928250/in/album-72157687946672833/ Thomas Fuller Quote https://quotefancy.com/quote/759580/Thomas-Fuller-Health-is-not-valued-till-sickness-comes | |||
| Episode 15: One Size Doesn’t Fit All: Crafting Your Income Plan in Retirement | 07 May 2025 | 00:45:36 | |
In this episode of The Finance Geeks, Warren Shute and Paul Cleworth roll out the measuring tape on retirement income planning—proving that the best strategies are tailored to fit, not pulled straight off the rack. They explore how personalised planning, shaped around an individual’s goals, mindset, and spending habits, leads to a more comfortable financial future. From refining the classic 4% rule to cutting through the complexity of gilt yields, annuities, and long-term cash flow, they show how every element of a client’s retirement plan needs to be carefully stitched together. They also highlight why life’s richest returns come not just from wealth, but from well-made choices that support freedom and fulfilment. Because when it comes to retirement, it’s not about following the standard pattern—it’s about creating a plan that fits perfectly. ========================== Chapters: 0:00 - Intro 7:45 - One Size Doesn’t Fit All: Crafting Your Income Plan in Retirement ========================== Show Notes: Mrs Doubtfire Musical | Official UK Site – Mrs Doubtfire The Musical https://mrsdoubtfiremusical.co.uk/ What's On: Featured - Royal Albert Hall https://www.royalalberthall.com/tickets Beyond The 4% Rule - Abraham Okusanya’s book https://www.amazon.co.uk/Beyond-4-Rule-retirement-portfolios/dp/1985721643 Sustainable withdrawal rates in retirement: The importance of customization A guide to retirement withdrawal strategies | Vanguard https://investor.vanguard.com/investor-resources-education/article/retirement-withdrawal-strategies Show clients that, yes, they can spend more in retirement ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| Episode 14: Market Mayhem & The Tariff Effect - Navigating Risk vs Volatility Like a Geek | 23 Apr 2025 | 00:47:43 | |
In this episode of The Finance Geeks, Warren Shute and Paul Cleworth explore the impact of Trump's tariffs on market volatility and the broader economic landscape. They unpack the difference between risk and volatility, highlighting why investors often confuse short-term market fluctuations with long-term financial danger. The conversation dives into how behavioural biases shape client perceptions, the importance of clear communication during periods of uncertainty, and strategies for helping clients stay focused on their long-term goals. Warren and Paul also discuss how experience and financial maturity influence investment decisions, and why a calm, consistent approach can make all the difference. Beyond the markets, they share insights into effective client management, the role of mindset in navigating uncertainty, and the value of structured onboarding in building a successful advisory practice. Whether you're advising clients or investing for yourself, this episode is packed with practical takeaways for staying steady when markets are anything but. ========================== Chapters: 0:00 - Intro 6:00 - Market Mayhem & The Tariff Effect ========================== Show Notes: Wilkinson winning drop goal 2003 https://www.youtube.com/watch?v=RT6QKVZ74J0 McIlroy's Moment | Rory McIlroy Captures His First Masters Win https://www.youtube.com/watch?v=IGB9uuetrzA The 2014 Ryder Cup Winning Moment https://www.youtube.com/watch?v=IS6x5L7TqOY A message to Tandem clients on Vimeo – PC video Trump’s Tariffs: What They Mean For Your Money https://tandemfinancial.co.uk/tandem-thinking/trumps-tariffs-what-they-mean-for-your-money/ ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== #Trumptariffs #marketvolatility #investing #risk #financialadvice #clientcommunication #marketperception #economictrends #financialplanning #investmentstrategies #marketvolatility #clientperception #behavioralbiases #investmentstrategies #economicuncertainty #financialadvising #communication #investmentmindset #stockmarket #financialplanning #finance #investing #volatility #clientmanagement #financialadvice #marketbehavior #bonds #clientmeetings #financialplanning #wealthmanagement | |||
| Episode 5: Real Life Financial Success Stories | 10 Dec 2024 | 00:52:50 | |
Warren Shute & Paul Cleworth highlight inspiring financial success stories from their clients. From conquering complex tax problems to building a secure retirement plan, they break down the strategies that helped turn financial chaos into clear, achievable wins. These stories aren’t just numbers on a spreadsheet—they’re real people hitting their goals, proving that with the right advice and a little geeky know-how, financial success is within reach. If you’ve ever wondered how good planning can transform lives, this episode has the answers. ========================== Chapters: 0:00 - Intro 12:12 - Real Life Financial Success Stories ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. | |||
| Episode 4: Wrestling Retirement Planning - Smackdown Strategies for a Winning Future | 26 Nov 2024 | 00:45:26 | |
Step into the ring with Paul and Warren as they grapple with the heavyweight challenge of retirement planning. In this episode, our financial tag team breaks down the moves you need to pin down your retirement strategy. From the early-game tactics of auto-enrolment and salary exchange to the high-flying maneuvers of carry forward contributions, they’ll show you how to stay on the offense and avoid being counted out by tax inefficiencies. The Geeks put retirement income goals into a sleeper hold, asking the big question: “How much is enough?”. They also emphasize the importance of tag-teaming with your spouse to maximize retirement savings. ========================== Chapters: 0:00 - Intro 9:14 - Wresting Retirement Planning ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast References: Odyssey St Albans https://odysseypictures.co.uk/OdysseyPictures.dll/Home Standards of living stats https://www.retirementlivingstandards.org.uk/ Folio Society - Beautifully Illustrated Hardcover Books https://www.foliosociety.com/uk Ideal financial set up link https://tandemfp.sharepoint.com/:b:/s/Tandem/EbLD21U3O3xEljQoSxXzdqEBsA2kk1QQJ4BwTybwulXppQ?e=SWpvqq How much will you need in retirement ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. #FinancialRumble #RetirementSmackdown #RetirementPlanning #FinancialAdvisors #PensionStrategy #TaxEfficiency #WrestlingWithRetirement #FinancialPlanners #WealthManagement #ClientSuccess #FinancialFreedom #SmartInvesting #TaxStrategies #FinanceForAdvisors #TagTeamFinance #PlanForRetirement #AdvisorInsights #ProfessionalFinance #RetirementGoals #MoneyManagement #FinancialGeekery #thefinancegeeks | |||
| Episode 3: Budget Fallout - Weighing the Aftermath | 12 Nov 2024 | 00:45:33 | |
In this episode of The Finance Geeks, Paul Cleworth and Warren Shute dig into the aftermath of the UK’s Autumn Budget, one of the biggest tax-raising budgets since 1993. With the government targeting £40 billion in taxes, they break down the key changes, including rises in employer National Insurance, adjustments to Capital Gains Tax, and a boost in the minimum wage. They highlight the government’s 180-degree shift on tax policy, increasing taxes despite prior promises, and share insights on how these adjustments will impact businesses, investors, and homeowners alike. Paul and Warren share advice for proactive planning in response to these changes, guiding listeners on how to stay ahead in this evolving financial landscape and keep the financial scales tipped in their favour. ========================== Chapters: 0:00 - Intro 4:59 - The Budget Fallout ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast References: The Budget - Autumn Budget 2024 – HC 295 AUTUMN-STATEMENT – Tandem Budget Guide https://tandemfinancial.co.uk/wp-content/uploads/2024/10/AUTUMN-STATEMENT-24_spreads.pdf Chancellor Rachel Reeves admits she was 'wrong' to say higher taxes not needed during election | Sky News Republicans win Senate majority | AP News https://apnews.com/live/senate-house-election-updates-11-5-2024 Autumn Budget 2024: Pensions to be subject to inheritance tax https://www.moneysavingexpert.com/news/2024/10/pensions-liable-inheritance-tax-2027/ Pensions face “double tax” due to inheritance tax change - what are your options? | MoneyWeek Laffer curve - Wikipedia https://en.wikipedia.org/wiki/Laffer_curve Autumn Budget 2024: what do the experts say about the major changes? | Unbiased ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. | |||
| Episode 13: The Vault of Legacy - Inheritance Tax Planning Strategies | 09 Apr 2025 | 00:49:22 | |
Dust off your pixelated fedora and light your tax-saving torch—because in this epic 8-bit adventure, Warren Shute and Paul Cleworth set off on a quest to uncover the hidden treasures of Inheritance Tax planning. From ancient gifting scrolls to the mystical artefacts of trusts and insurance, they navigate booby traps of complexity to help preserve your family fortune. With sharp wit and strategic know-how, they dodge the 40% boulder of HMRC and shine a torch on golden relics like Business Relief, Nil-Rate Band secrets, and the lost legend of Lifetime Gifting. Along the way, our geeky explorers decode cryptic strategies that can protect your legacy and turn tax trouble into triumph. Plug in, power up, and join The Finance Geeks as they explore the vault—because fortune doesn’t just favour the bold... it favours the well-advised ========================== Chapters: 0:00 - Intro 5:19 - Inheritance Tax Planning Strategies ========================== Show Notes: Is it time to kill off Inheritance Tax? | The Association of Taxation Technicians https://www.att.org.uk/it-time-kill-inheritance-tax?utm_source=chatgpt.com What do Mystic Meg, HMRC and October 2024 have in common?—insights on Inheritance Tax and key statistics Inheritance Tax liabilities statistics - GOV.UK https://www.gov.uk/government/statistics/inheritance-tax-liabilities-statistics IHT400 rates and tables https://assets.publishing.service.gov.uk/media/67d850de4e1deef5a8c15ee7/IHT400-rates-and-tables.pdf Meditations (Book) The soul of wealth (Book) Gifting plan Standard Life https://tandemfp.sharepoint.com/:b:/s/Tandem/ESYmn7SoB6hClTRyqijhjGEBWUkdZdXq4SNpBfYpDRlYKw?e=InxRJs Benefits of getting married - Benefits of Marriage https://tandemfp.sharepoint.com/:b:/s/Tandem/EWQ8qxbO0IVDrhBAyuOh5TcBxvvKuoR-xYLsv_JI-jMVtw?e=VoeEQM ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== #inheritancetax #IHTplanning #estateplanning #financialplanning #taxstrategies #legacyplanning #wealthtransfer #trustplanning #taxefficiency #familywealth #giftallowance #businessrelief #financialgeeks #taxadvice #retirementplanning #inheritanceplanning #IHTrelief #vaultoflegacy #8bitfinance #geekyfinance | |||
| Episode 12: End of Tax Year Planning - The Great Tax Detective’s Playbook | 21 Mar 2025 | 00:39:40 | |
Warren Shute and Paul Cleworth scrutinise every clue in this timely investigation of year-end tax planning. Like master sleuths hot on the scent, they bring to light strategies ranging from maximising ISA contributions and refining pension allocations to making the most of charitable donations. Each insight presented as a vital piece of evidence that can protect your financial well-being before the 5th of April tax deadline. The game is truly afoot: by the final deduction, this engaging discussion equips you with the know-how to ensure your year-end tax approach stands on solid ground, proving that cracking the case of year-end taxes need not be left to chance. ========================== Chapters: 0:00 - Intro 6:22 - Tax Year End Planning ========================== Show Notes: HMRC Tax Revenue Breakdown (2023-24) Projected Government Spending for 2024-25 (OBR Report) https://obr.uk/forecasts-in-depth/brief-guides-and-explainers/public-finances/ Budget Deficit (2024-25) Forecast (OBR) https://obr.uk/forecasts-in-depth/brief-guides-and-explainers/public-finances/ National Debt Figures (ONS Report, December 2024) The Calculator Site - £500pm for 20 years at 6%: Tin Cup (great golf film!) https://www.imdb.com/title/tt0117918/ ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== #taxplanning #endofyearplanning #taxstrategy #financialplanning #pensionplanning #taxrelief #allowances #capitalgains #taxefficiency #retirementplanning #dividends #incometax #businessplanning #salarysacrifice #yearendtax #taxadvisor #wealthplanning #taxsavings #investmentplanning #financialwellness #taxdeductions #isaplanning #proactiveplanning #capitalallowances #taxcompliance #personalfinance #profitextraction #taxmanagement #cashflowplanning #taxdeadlines #financialfreedom | |||
| Episode 11: Mission: Secure Retirement – Strategies and Insights in Securing Retirement Income | 12 Mar 2025 | 00:47:39 | |
In this episode of The Finance Geeks, Paul Cleworth and Warren Shute set forth on a mission to unravel the art of securing retirement income. With a clear and methodical approach, they explore the fundamentals of retirement planning—delving into cash flow management, optimal withdrawal techniques, and tailored investment strategies that resonate with both financial planners and individuals alike. The discussion covers essential elements of pension strategy, from understanding tax advantages and contribution limits to mastering carry-forward calculations and the benefits of salary sacrifice. Paul and Warren break down these complex topics into practical insights, ensuring that every aspect of your retirement plan is both robust and adaptable to changing needs. Join this journey as they share actionable strategies and innovative approaches to build a resilient retirement income plan. Whether you're advising clients or planning your own future, this episode equips you with the knowledge and tools necessary to secure a confident financial outlook for your retirement. ========================== Chapters: 0:00 - Intro 6:30 - The Focal Point: Strategies and Insights in Securing Retirement Income ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== #retirementplanning #incomesecurity #financialadvice #cashflow #investmentstrategies #clientmanagement #withdrawalstrategies #financialindependence #retirementincome #personalfinance #withdrawalstrategies #retirementincome #cashflow #financialplanning #sequenceofreturnsrisk #pensionchanges #taximplications #clientcommunication #investmentstrategies #retirementplanning | |||
| Episode 10: The Golden Quest - Understanding Retirement and the Secrets to Financial Freedom | 26 Feb 2025 | 00:39:31 | |
Embark on a legendary journey into the realm of retirement planning with Warren and Paul in this epic episode of The Finance Geeks. In "The Golden Quest," our hosts reveal the ancient secrets behind building a secure and prosperous future. Discover how every element of your pension plan can be transformed into a treasure trove of financial freedom. With insights drawn from both time-honoured wisdom and modern strategy, Warren and Paul share the pros, cons, and challenges of various approaches, turning complex concepts into an engaging saga of preparation and possibility. Join this quest for golden years and unlock the secrets to a retirement that offers not only security but also the promise of a fulfilling, purpose-driven future. ========================== Chapters: 0:00 - Intro 5:26 - The Focal Point: Understanding retirement and the strategies we use to achieve financial freedom ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ==========================
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| Episode 9: Investing Uncovered – Behind the Scenes of Portfolio Management | 12 Feb 2025 | 00:43:20 | |
In this revealing episode of The Finance Geeks, the curtain is pulled back on the portfolio management control room. Warren and Paul kick off by exploring the meaning of portfolio management and why transparency is key in the world of investing. Each introduces his core investment philosophy—grounded in evidence-based decision-making and a focus on controlling costs, asset allocation, and risk. Next, the discussion dives into the nuts and bolts of the investment process and details each approach to portfolio construction. Warren and Paul break down how they balance equity, bonds, property, and commodities while incorporating factor investing to capture market premiums. Finally, the backbone of their strategies is revealed—the Investment Policy Statement (IPS). Learn how rigorous research and detailed documentation ensure a consistent, structured approach to managing portfolios. Tune in for an insider’s look at how these financial planners invest, and see exactly what goes on behind the scenes to keep their strategies sharp and their performance on track. ========================== Chapters: 0:00 - Intro 8:46 - The Focal Point: How We Invest - Behind the Scenes of Portfolio Management ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast Reference Links: PC Gym Workout – Shoulders and Chest https://tandemfp.sharepoint.com/:b:/s/Tandem/Ee2-UAPYofVAtSsxfYwj-oMBaQyRYSH7kSOCTlQMFvFOzw?e=yrLebq Charlie Hodgson https://en.wikipedia.org/wiki/Charlie_Hodgson Airplane II: The Sequel https://www.imdb.com/title/tt0083530/ Airplane II: The Sequel Quotes https://www.imdb.com/title/tt0083530/quotes/ The Fat Duck Restaurant https://thefatduck.co.uk/ Tandem’s Core Investment Philosophy https://tandemfinancial.co.uk/wp-content/uploads/2024/01/Tandem-Core-Investment-Philosophy-Jan-2024.pdf Dimensional Fund Advisors https://www.dimensional.com/ Vanguard https://www.vanguardinvestor.co.uk/ This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. | |||
| Episode 8: Turbocharge Your Efficiency - Accelerating Your Business Performance | 29 Jan 2025 | 00:57:42 | |
In this high-speed episode of The Finance Geeks, Warren and Paul rev up your business efficiencies. Just like fine-tuning a race car for peak performance, they delve into essential methods to streamline your operations and eliminate inefficiencies. From streamlining processes and reducing task duplication to automating repetitive activities, discover how to optimize every aspect of your business engine for maximum productivity and speed. Join Warren and Paul as they provide actionable insights and strategic adjustments to keep your business running like a well-oiled machine. Whether you're looking to boost productivity, enhance team collaboration, or implement cutting-edge automation, this episode is your pit stop for achieving unparalleled business efficiency. Get ready to hit the gas and drive your business to new heights of success! ========================== Chapters: 0:00 - Intro 4:17 - How to run a super-efficient business ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Reference Links: 18 Ways to be super efficient https://tandemfp.sharepoint.com/:b:/s/Tandem/ES-mGxJ8HWpLjEeV5p5u1doB46pxl4u4qyshvFVLPSM2-Q?e=fr0AhL
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| Episode 7: Charting Your Business Plan - Setting Sail for Success in 2025 | 14 Jan 2025 | 00:57:10 | |
In this episode, Warren and Paul draw on client insights to show that robust financial and business planning is like the detailed charting of a sea voyage. Just as a seasoned captain plots a route with waypoints and contingency plans, you need to plot your business and financial objectives to steer clear of unwanted currents and navigate towards long-term success. Imagine your Management Information reviews, process audits, and updated documentation as your ship’s rigging and instruments - each element finely tuned to keep your vessel steady. By regularly scheduling compliance checks and planning for team coverage (much like rotating your crew on watch duty during stormy weather), you're ensuring that your financial strategies and business operations are shipshape. Join The Finance Geeks as they hoist the sails, trim the rigging, and embark on a prosperous journey into the new year. ========================== Chapters: 0:00 - Intro 8:55 - The Focal Point: Business Planning - How to make 2025 a great year! ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast Reference Links: Creatine and Whey Protein: Should You Take Both? https://www.healthline.com/nutrition/creatine-vs-whey#muscle-gain Creatine vs. protein: Which is better, post-workout, and more https://www.medicalnewstoday.com/articles/creatine-vs-protein#benefits The 20 Ultimate Tips for How to Sleep Better | Sleep Foundation https://www.sleepfoundation.org/sleep-hygiene/healthy-sleep-tips Tim Berry (entrepreneur) - Wikipedia https://en.wikipedia.org/wiki/Tim_Berry_(entrepreneur)
This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. #BusinessPlanning #PlanForSuccess #StrategicPlanning #BizPlan2025 #ChartYourCourse #NauticalStrategy #SetSailForSuccess #BusinessBlueprint #PlanYourJourney #ChartingSuccess #AnchoredInPlanning #SteerYourBiz #SailingToSuccess #BusinessCompass #Navigating2025 #BusinessStrategy #VisionAndPlan #BizStrategy #MappingSuccess #CourseToSuccess #BusinessGoals #PlanYourFuture | |||
| Episode 6: Blueprint for 2025 - Planning Your Best Year Yet! | 24 Dec 2024 | 00:53:52 | |
This episode delves into the meticulous process of designing your personal and professional goals for the upcoming year. Discover how to draft a comprehensive blueprint that outlines your aspirations, sets actionable milestones, and builds a solid foundation for success. Whether you're aiming to advance your career, enhance your well-being, or embark on new personal endeavours, Warren and Paul provide the strategic insights and practical tools you need to construct a fulfilling and prosperous 2025. Start laying the groundwork for your best year yet with expert guidance from The Finance Geeks! ========================== Chapters: 0:00 - Intro 8:47 - The Focal Point: Planning 2025 - Making it your best year yet! ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== Podcast Reference Links: ibai.london - Restaurant https://www.instagram.com/ibai_london/ Planning Your Adventure – Living Life To The Full https://planningyouradventure.co.uk/ Discovery Questions.pdf – Tandem’s Discovery Questions. https://tandemfp.sharepoint.com/:b:/s/Tandem/EU6FbHihENFEpxTHDwY0K0cBdgVuJ6iU-62aTBWHuUcAeg?e=LzK7kS What Are Your Values? - Deciding What's Important in Life – What are values? https://www.mindtools.com/a5eygum/what-are-your-values What are Values? - Ethics Sage https://www.ethicssage.com/2018/08/what-are-values.html Virtue - Wikipedia https://en.wikipedia.org/wiki/Virtue
This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. #GoalSetting #AchieveYourGoals #SuccessPlanning #2025Goals #YearAhead #PersonalDevelopment #ProfessionalGrowth #CareerGoals #LifeGoals #FinanceGeeks #UKFinance #FinancialPlanning #Prosperous2025 #WealthBuilding #SelfImprovement #KnowYourOutcome #BlueprintForSuccess #MapYourGoals #StrategicPlanning #GoalBlueprint #PlanForSuccess | |||
| Episode 16: Quakeproof Your Planning - Top 10 Financial Planner Faults to Avoid | 21 May 2025 | 00:48:34 | |
In this episode of The Finance Geeks, Paul Cleworth and Warren Shute survey the seismic fault lines that can undermine even the most seasoned advisory practices. They uncover the top ten mistakes—such as assumptions that skip proper discovery, communication cracks that widen client doubts, and the tremors caused by overpromising outcomes—that can destabilise your planning from the ground up. Whether you’re laying the foundations for a new practice or retrofitting an established firm, this episode provides a blueprint for building a truly quake-resistant advisory service. Tune in to discover how to shore up your processes, secure your clients’ trust, and ensure your financial planning stands firm through market shifts and unexpected jolts. ========================== Chapters: 0:00 - Intro 3:35 - Top 10 Mistakes to Avoid as a Financial Planner ========================== Show Notes: Klydoclock | Whatever Makes You Tick The Kart Championship https://thekartchampionship.co.uk/ How to explain fees and investment performance https://pfspower.org/webinars/how-to-explain-fees-and-investment-performance/ Prestwood Truth Software https://www.truthsoftware.co.uk/truth-about-money/ ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks Leave us a 5 star review: https://podcasts.apple.com/gb/podcast/the-finance-geeks-podcast/id1730764561 https://open.spotify.com/show/7Lr2aFmlJeqvFFkbefqk3P ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== #FinancialPlanning #HowToBeAFinancialPlanner #FinancialPlanningTips #WealthManagement #ClientCommunication #RiskManagement #BehavioralFinance #DiscoveryProcess #ScopeManagement #ClientTrust #ReviewBestPractices #ProcessOptimization #FinancialPlanners #FinancePodcast | |||
| Episode 17: How to Level Up from a Solo Planner to a Financial Planning Practice | 04 Jun 2025 | 00:49:19 | |
Leap into this retro platformer–inspired episode with Warren Shute and Paul Cleworth as your pixelated protagonists. Starting in the “Solo Start” world, you dash across blocks labelled “Capacity Limits” and collect “Client Coins". Discover why a single character can’t conquer every level alone and learn to spot the flashing “Power-Up” icons—signals it’s time to recruit allies and build a party strong enough for the next stages. As you warp pipe into the “Foundation Fortress,” our hosts guide you through building sturdy platforms: “Process Scrolls” for CRM, “Fact-Find Feathers". Bounce on question-mark blocks to uncover hidden “Tech Toolkit” power-ups, ensuring your workflow doesn’t collapse under the weight of “Workflow Gaps” and each extra life brings you closer to a stable practice. By the final warp pipe, you’ll have gathered all the power-ups needed to transform from a lone planner into the ruler of your own financial practice kingdom. ========================== Chapters: 0:00 - Intro 6:00 - How to Level Up from a Solo Planner to a Financial Planning Practice ========================== Show Notes: How I Got to a Million Pounds in Revenue - PFS Power https://pfspower.org/webinars/how-i-got-to-a-million-pounds-in-revenue/ New software - FinCalc Making a Will - all you need to know | Age UK https://www.ageuk.org.uk/information-advice/money-legal/legal-issues/making-a-will/ Self Assessment tax returns: Overview - GOV.UK https://www.gov.uk/self-assessment-tax-returns How to fill in a Self Assessment tax return | MoneyHelper https://www.moneyhelper.org.uk/en/work/self-employment/how-to-fill-in-a-self-assessment-tax-return Prestwood Truth Software https://www.truthsoftware.co.uk/truth-about-money/ ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks Leave us a 5 star review: https://podcasts.apple.com/gb/podcast/the-finance-geeks-podcast/id1730764561 https://open.spotify.com/show/7Lr2aFmlJeqvFFkbefqk3P ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| Episode 18: Client Magnetism - How to Attract Your Ideal Clients | 24 Jun 2025 | 00:38:06 | |
In this episode, Warren Shute and Paul Cleworth share what it really takes to attract the right clients to your financial planning business—without resorting to pushy tactics or broad marketing blasts. They unpack how getting crystal clear on who you want to serve helps you become a magnet for the clients who truly value your work. From mastering referrals to managing expectations and building trust, they offer practical strategies rooted in real-world experience. The conversation also highlights the power of personal congruence—how being aligned in your values and communication creates stronger, longer-lasting client relationships. ========================== Chapters: 0:00 - Intro 7:52 - How to Attract Your Ideal Clients ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| Episode 05: Autumn Budget 2025 - Rumoured changes & how to prepare | 05 Nov 2025 | 00:33:05 | |
In this episode of The Finance Geeks, Paul Cleworth and Warren Shute fire up the speculation engine ahead of the Autumn Budget 2025. With the economic pressure mounting and a fiscal gap to fill, they explore the rumours and forecasts swirling around Rachel Reeves’ first major fiscal statement — and what financial planners should be doing right now to prepare. From possible changes to capital gains tax, inheritance tax, and pension relief, to tweaks on ISAs, NI, and VAT, the geeks break down the key tax areas under scrutiny. With clients already asking, “Should I take action before the budget?”, Paul and Warren lay out what’s being whispered in the corridors of policy — and how planners can interpret the signs without causing panic. This isn’t about panic planning — it’s about readiness. With threshold freezes, stealth taxes, and a growing national debt, the landscape demands calm analysis and proactive conversations. Whether you’re advising high earners, property investors, or business owners, this episode will help you think ahead before the Chancellor does. ========================== Chapters: 0:00 - Intro 2:11 - Rachel Reeves' Upcoming Autumn Budget - Rumoured changes & how to prepare ========================== Show Notes: Tax Planning & Trusts – Tandem Financial https://tandemfinancial.co.uk/login/insight/tax-planning/ Why is the Labour Government Warning of Tax Rises, and What Should You Do? – Tandem Financial Tax Efficient Investing – Tandem Financial https://tandemfinancial.co.uk/tandem-thinking/tax-efficient-investing/ ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| Episode 04: Going the Distance: Are We Ready to Plan for 100-Year Lives? | 22 Oct 2025 | 00:48:41 | |
In this episode of The Finance Geeks, Paul and Warren pull on their running shoes and take on the longevity challenge — asking what it really means to financially plan for clients who might live to 100 (or beyond). The traditional retirement playbook is being stretched, and planners can’t assume the finish line is fixed at 65 plus 20 years. So, what changes when the race is longer than we ever trained for? They explore how life expectancy, health data, and shifting societal norms are reshaping retirement. From managing withdrawal strategies and sequence of returns risk, to making sure clients don’t burn through their resources in the early miles, this conversation gets into the mechanics of longevity-aware planning — and why financial planners need to think in decades, not just years. But it’s not all about the numbers. Paul and Warren also touch on identity, purpose, health, and meaning — the softer side of planning for the long game. Whether your clients are sprinting toward early retirement or pacing themselves into their 90s, this episode is packed with insights to help planners support the full journey — not just the start. ========================== Chapters: 0:00 - Intro 8:34 - The Longevity Challenge: Are We Ready to Plan for 100-Year Lives? ========================== Show Notes: Jean Calment - oldest person in history https://en.wikipedia.org/wiki/Jeanne_Calment ONS Life expectancy in UK Two Doors in Retirement – Life Expectancy and Income Withdrawal ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| Episode 03: Keeping the client on track - Has the annual review run out of steam? | 08 Oct 2025 | 00:45:50 | |
In this episode of The Finance Geeks, Paul and Warren climb aboard the topic of annual reviews and ask whether this long-standing part of the planning timetable is still on the right track — or whether the whole process is starting to run out of steam. Are these meetings still a valuable stop on the client journey, or just a legacy carriage rolling along out of habit? Rather than sticking to a fixed schedule for the sake of tradition, Paul and Warren explore how planners can create meetings that are more intentional, more relevant, and better aligned with each client’s journey. Not every passenger needs the same route or the same number of stops — and forcing them to follow one can lead to disengagement or missed opportunities. ========================== Chapters: 0:00 - Intro 5:07 - Are Annual Reviews Broken? Reinventing Client Meetings That Matter ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| Episode 02: The Art of Being Seen – Should Every Planner Become a Content Creator | 24 Sep 2025 | 00:49:21 | |
In this episode, Paul and Warren step into creative territory, asking a big question that’s facing more and more financial planners: should content creation be part of your role in 2025? With digital platforms becoming the first place clients look for credibility and connection, planners are increasingly expected to show up — not just with technical knowledge, but with a voice, a message, and a way to share it. But does that mean every planner needs to launch a podcast or start posting daily on LinkedIn? Not necessarily. Like any great piece of work, effective content comes in many forms — and Paul and Warren explore the full spectrum. From short-form videos and insightful blogs to client updates, case studies, and quiet-but-consistent newsletters, they lay out the creative options and help you figure out what fits. It’s not about being loud — it’s about being intentional. Whether you’re full of ideas or just starting to find your style, this episode is about using creativity to build trust, express your thinking, and add value long before the first meeting. And yes, sometimes that starts with picking up the brush — but you get to choose the canvas. ========================== Chapters: 0:00 - Intro 9:50 - Should Every Planner Become a Content Creator? Marketing in 2025 ========================== Show Notes: Headshots Paul's Night & Day Supplement https://www.ainslieainslie.com/ Folding treadmill https://www.fitness-superstore.co.uk/sole-f85-folding-treadmill-2.html ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ==========================
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| Episode 01: Are we Advisers or Coaches? Rethinking the role of a Modern Financial Planner | 10 Sep 2025 | 00:36:01 | |
In this episode, Warren Shute and Paul Cleworth take to the riverbank to explore the evolving role of the modern financial planner. Like a great rowing coach, today’s adviser isn’t just there to shout instructions — they’re guiding from the sidelines, helping clients find their own rhythm, set the pace, and steer toward a meaningful destination. They discuss the delicate balance between giving technical advice and offering coaching-style support — especially during life’s key transitions, like moving from work into retirement. It’s not about grabbing the oars and rowing for your client — it’s about helping them build clarity, confidence, and direction, so they can row with intention, not drift by default. The conversation highlights how strong relationships, emotional awareness, and asking the right questions are just as vital as spreadsheets and strategies. Because ultimately, the best planners know when to push, when to pause, and when to let the client take the lead — all while keeping their eyes fixed on the horizon. ========================== Key Takeaways: - The modern financial planner must balance advisory and coaching roles. - Clients value the relationship and integrity of their advisor. - Financial planning should help clients live intentionally, not by default. - Asking the right questions is crucial for understanding client needs. - Emotional intelligence plays a key role in client relationships. - Transitioning from work to retirement requires careful planning and support. - Advisors should help clients clarify their vision for the future. - It's important to challenge clients on their decisions and values. - Listening is as important as providing answers in financial planning. - The best financial planners know when to switch between advising and coaching. ========================== Show Notes: The Key Benefits of Financial Advice https://tandemfinancial.co.uk/wp-content/uploads/2025/05/Tandem-Key-benefits-IFA-Jan-24.pdf ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| Episode 19: What to expect when you first meet with a Financial Planner | 09 Jul 2025 | 00:59:48 | |
In this episode, Warren Shute and Paul Cleworth walk you through what really happens in a first client meeting — and how to make sure yours feels less like a cold sales pitch and more like the start of an empowering journey. Think of it as your client’s first step onto the Yellow Brick Road — and you're there as their guide, helping them find clarity, courage, and confidence about their future. Warren and Paul break down the essential ingredients for a truly meaningful first meeting: warm hospitality, a calm and welcoming setting (with proper biscuits!), and a tone that’s informal but purposeful. You’ll hear how the goal isn’t to impress with technical know-how, but to really listen — to values, goals, fears, and dreams. If you're serious about elevating your client onboarding, just click your heels and watch this episode, it will help you turn first meetings from transactional to transformational. ========================== Chapters: 0:00 - Intro 6:52 - What you should expect when you first meet a financial planner ========================== Show Notes: Disc Profiling Tool https://www.discusonline.com/en-gb/ Tandem Link Tree link https://linktr.ee/tandemfinancial Ferris Bueller 40 years! – Life moves pretty fast, if you don’t stop and look around, you could miss it! https://www.imdb.com/video/vi814725401/ Poem Warren Likes https://lindaellis.life/the-story-behind-the-dash-1 ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| PFS Power Webinar - Beyond £1 Million: Building a Business That Truly Matters | 08 Apr 2026 | 00:59:45 | |
In this special episode of The Finance Geeks, Paul and Warren bring a live session recorded in collaboration with the Personal Finance Society, delivering the kind of high-energy, practical discussion they’re known for. Drawing on decades of experience building successful financial planning businesses, they share what’s helped them generate strong growth while still maintaining a genuine balance between work and life. The conversation focuses on three key areas that underpin long-term success. First, mindset – covering beliefs, confidence, attitude and understanding the deeper “why” behind both personal and business decisions. Then planning – looking at the importance of having clear, structured plans, supported by the right systems, processes and people around you. And finally, action – because even the best ideas only work if they’re implemented consistently and with intent. Packed with practical insights and straight-talking advice, this episode is all about helping you move forward with clarity and purpose. Whether you’re refining your business, looking to improve your day-to-day effectiveness, or simply aiming for a better balance, Paul and Warren share the lessons, habits and thinking that have helped them build both fulfilment and long-term success. | |||
| S4:E4 - Why do smart people make bad money decisions? Understanding the formula | 25 Mar 2026 | 00:37:05 | |
In this episode of The Finance Geeks, Warren Shute and Paul Cleworth break down the formula behind why intelligent people often make poor financial decisions. They explore the key ingredients, including ego, overconfidence and hindsight bias, and how these can distort even the most rational thinking. The conversation looks at how behavioural factors like recency bias, anchoring and herd behaviour influence decisions, particularly in changing markets. They also examine the emotional side of investing, from regret and loss aversion to the constant urge to act, even when patience is often the better formula. Warren and Paul share practical insights to help investors and advisers recognise these patterns and make more disciplined decisions. By understanding what goes into the mix, it becomes easier to avoid costly mistakes and focus on better long-term outcomes. ========================== Chapters: 0:00 - Intro 7:13 - Why do smart people make bad money decisions? ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| S4:E3 - Financial planning in a world that keeps changing the rules | 10 Mar 2026 | 00:33:02 | |
In this episode of The Finance Geeks, Warren and Paul explore one of the ongoing challenges of financial planning: trying to create long-term strategies in a world where the rules keep changing. From shifting tax policies to evolving pension legislation, the conversation looks at how advisers can guide clients through uncertainty while keeping plans focused on what really matters. The geeks discuss recent developments around pensions, tax allowances and policy decisions that can quickly reshape even the most carefully constructed plans. They talk about the frustration of constantly moving goalposts, including the ever-evolving story of the pension lifetime allowance, and why staying adaptable is an essential part of the job. Along the way, they share practical thoughts on reviewing plans, managing expectations and keeping perspective when the landscape changes. Rather than getting caught up in panic or predictions, the discussion focuses on how to approach change with clarity and resilience. Warren and Paul reflect on why strong principles, regular reviews and good communication can help keep financial plans on track, even when the wider policy environment feels unpredictable. ========================== Chapters: 0:00 - Intro 5:57 - Planning in a World That Keeps Changing the Rules (Tax, policy, pensions — without doom.) ========================== Pauls LinkedIn Post: https://www.linkedin.com/posts/paulcleworth_healthiswealth-cairngorms-meallabhuachaille-activity-7430908103463890944-JZsG ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| S4:E2 - Beyond Financial Freedom: What Really Matters Next? | 26 Feb 2026 | 00:36:35 | |
What happens when you’ve trained for years, crossed the finish line of financial freedom… and realise the road keeps going? In this episode of The Finance Geeks, Warren Shute and Paul Cleworth explore what comes next after the traditional markers of success have been ticked off. If income, assets, and independence were the race you were running, what happens when the medal is around your neck? This conversation examines the mindset shift required when financial freedom turns out not to be the final tape, but the start of a new stretch of road. They discuss why chasing “more” can feel like running on a treadmill that no longer moves you forward, and why experiences often provide deeper fulfilment than material milestones. The episode also tackles retirement not as stopping the race, but as changing pace — maintaining structure, purpose, and direction rather than drifting off course. At the heart of the conversation are the Four Cs of true wealth: connection, control, competence, and context — the foundations that give life rhythm long after the sprint for accumulation is over. ========================== Chapters: 0:00 - Intro 4:47 - When "more" stops working - redefining success after financial freedom ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| S4:E1 - Will I Be OK? A Guiding Light in Financial Planning | 11 Feb 2026 | 00:34:24 | |
In the first episode of Season 4, Warren Shute and Paul Cleworth tackle the question clients are always asking, even when they don’t say it out loud: “Will I be OK?” This isn’t a spreadsheet question. It’s an emotional one. Clients don’t want certainty or perfect predictions. They want reassurance they can trust, delivered with honesty. They want to know they’re not lost, that they can orient themselves, and that they can keep moving forward safely, whatever the conditions. In this episode, Warren and Paul explore why financial planning is less about stopping storms and more about helping people navigate through them. Markets will wobble. Headlines will shout. Life will throw unexpected shocks. Good planning doesn’t promise smooth seas, but it does provide clarity, perspective, and a steady point of reference when things feel uncertain. A good financial planner, they argue, plays the role of a lighthouse. Not controlling the journey or guaranteeing calm waters, but offering guidance, reassurance, and visibility so clients can see where they are and stay on course without panic. That steady presence, combined with strong foundations, margin of safety, and flexibility, means mistakes are survivable and options remain open. Being “OK” doesn’t mean nothing bad ever happens. It means the plan holds, even when conditions change, and future decisions are made with confidence rather than fear. Ultimately, great financial planning helps people move forward not because the future is predictable, but because they know where they stand. ========================== Chapters: 0:00 - Intro 7:07 - Will I Be OK? ========================== Show Notes: “Am I Going to Be OK?” – Why This Is the Only Question That Matters ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| Episode 08: Budget Aftermath - Weathering the Fiscal Storm | 17 Dec 2025 | 00:36:32 | |
In this episode, Warren Shute and Paul Cleworth deliver a post-Budget forecast tailored for financial planners. With the dust settling after Rachel Reeves’ first Autumn Budget, they break down what’s changing — and what isn’t — across taxation, pensions, welfare, and public spending. It’s not just about the announcements, but the implications for client conversations and strategic planning. They explore the potential long-term effects of frozen thresholds, the subtle increases in fiscal drag, and where planners should be looking for hidden risks — and emerging opportunities. From the shifting landscape of capital gains tax to murmurs about pension reform, the geeks help you sort signal from noise. Whether you’re advising clients this week or prepping for future reviews, this episode equips you with a planner’s-eye view of the budget aftermath. It’s about more than reaction — it’s about readiness. Tune in to make sure you're prepared for whatever financial weather is coming next. ========================== Chapters: 0:00 - Intro 3:27 - Budget Aftermath - Weathering the Fiscal Storm ========================== Show Notes: Budget 2025: Summary of key announcements and economic and fiscal forecasts https://lordslibrary.parliament.uk/budget-2025-summary-of-key-announcements-and-economic-and-fiscal-forecasts/ The full Budget 2025 https://assets.publishing.service.gov.uk/media/6929b367b3b9afff34e9621c/Final_print_HMT_Budget_2025_TEXT_PRINT_NEW.pdf Budget 2025 summary: tax rises and two-child cap scrapped https://govexplained.co.uk/budget-2025-summary/ Budget 2025: The key points at a glance | Money News | Sky News https://news.sky.com/story/budget-2025-the-key-points-at-a-glance-13475533 2025 Autumn Budget Summary (Tandem) https://us12.campaign-archive.com/?u=b2fc4b6dc0116f987aa61bcc8&id=4ad34e9378 Autumn Statement 2025 Spreads (Tandem) https://tandemfinancial.co.uk/wp-content/uploads/2025/11/autumn-statement-2025_spreads.pdf ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| Episode 07: Planning for Inheritance Tax - How to help clients reduce the bill | 03 Dec 2025 | 00:36:07 | |
In this episode of The Finance Geeks, Warren Shute and Paul Cleworth unpack the often-overlooked world of inheritance tax planning. With IHT thresholds frozen and the value of estates rising, they explore the real impact this has on clients — and the critical role advisers play in helping reduce the burden. From early-stage planning to knowing when to act, they emphasise that mitigating inheritance tax is less about clever tricks and more about being proactive, structured, and informed. The conversation dives into practical strategies, including lifetime gifting, the use of trusts, and the role of protection policies to cover IHT liabilities. Warren and Paul also reflect on the psychological side of estate planning: helping clients move from a “save everything” mindset to considering how and when to pass wealth on. Their insights highlight the importance of tailoring the approach to each family’s needs, goals, and attitudes around money — not just the numbers on paper. Beyond the technical tips, the episode reinforces the importance of involving the next generation in financial conversations. Whether simplifying estates for ease of administration or making sure families understand the plan, Paul and Warren argue that clarity is the ultimate gift. With quotes, examples, and a bit of humour along the way, this is a valuable listen for anyone looking to make inheritance planning more effective and human. ========================== Chapters: 0:00 - Intro 6:17 - Planning for Inheritance Tax - How to help clients reduce the bill ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| Episode 06: Clients Sitting on Too Much Cash: How Do You Get Them Comfortable With Investing? | 19 Nov 2025 | 00:45:09 | |
In this episode of The Finance Geeks, Paul and Warren explore the treasure-filled dungeons of client finances — where large cash reserves are tucked safely away, guarded by caution and a desire for security. With interest rates offering a short-term haven and market headlines often sounding alarm bells, it’s no surprise many clients prefer the comfort of cash. But is that the best long-term plan? From risk aversion and misunderstanding to outdated habits, they explore what’s really keeping cash locked in the vault — and how planners can help clients break free. Whether it’s reframing investment conversations, educating around long-term returns, or simply shining a torch on the emotional side of money, this episode offers practical insight into helping clients feel more confident stepping out of the safety of cash and into a better-diversified future. ========================== Chapters: 0:00 - Intro 4:40 - Clients Sitting on Too Much Cash: How Do You Get Them Comfortable With Investing? ========================== Show Notes: UK savers have more than £614bn in excess cash Latest rates https://moneyfactscompare.co.uk/savings-accounts/easy-access-savings-accounts/?utm Barclays Equity Gilt Study http://uk.investing.com/analysis/barclays-equity-gilt-study-200121844 Cost of holding cash https://www.ajbell.co.uk/news/cost-safe-haven-investing-cash-and-gilts-lose-money-real-terms Inflation holds at 3.8% https://www.reuters.com/world/uk/uk-inflation-holds-38-september-2025-10-22/?utm ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| S4:E7 - Should Financial Planners Be Using AI? Is It a Friend or a Foe? | 06 May 2026 | 00:47:20 | |
In this episode of The Finance Geeks, Warren Shute and Paul Cleworth explore how artificial intelligence is starting to reshape the financial planning profession. From speeding up research to improving efficiency, they break down where AI is already making an impact and why it’s becoming harder for planners to ignore. The conversation looks at both sides of the equation. On one hand, AI can automate repetitive tasks, enhance client communication and support better decision-making. On the other, there are real concerns around accuracy, bias and over-reliance on technology. Warren and Paul discuss where AI adds genuine value and where human judgement still plays a critical role. As always, the focus is on practical insight. They explore how financial planners can use AI responsibly without losing the personal touch that clients rely on. The result is a balanced look at a fast-moving topic, helping listeners understand not just what AI can do, but what it should do in the world of financial advice. ========================== Chapters: 0:00 - Intro 5:37 - AI & Financial Advice: Friend or Foe? ========================== Show Notes: What Is AI – and Should You Be Worried About It? https://tandemfinancial.co.uk/tandem-thinking/what-is-ai-and-should-you-be-worried-about-it/ Learn How to Use AI – Planning Your Adventure https://planningyouradventure.co.uk/educational/learn-how-to-use-ai/ A Guide to AI ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||
| S4:E6 - Accumulation to Enjoyment - The Hardest Transition in Finance | 21 Apr 2026 | 00:34:18 | |
In this episode of The Finance Geeks, Paul and Warren dive into what is described as one of the hardest challenges in financial planning: helping people move from building wealth to actually enjoying it. While accumulation is often driven by clear goals, structure and habit, the shift to spending and living can feel far less certain. The conversation explores why this transition is so difficult, and why many people struggle to let go of the behaviours that helped them succeed in the first place. They unpack the mindset and emotional barriers that can hold people back, from deeply ingrained saving habits to uncertainty around what “enough” really looks like. Along the way, they share practical ways to guide this transition, including encouraging new experiences, redefining purpose beyond work, and helping clients build routines that support a fulfilling lifestyle. The idea of life’s limited window is a key theme, highlighting the importance of making the most of time rather than endlessly deferring enjoyment. ========================== Chapters: 0:00 - Intro 6:14 - Accumulation to Enjoyment - The Hardest Transition in Finance ========================== Show Notes: TED Talk from Prof Riley Moyes https://tandemfinancial.co.uk/videos/video-4-x-phases-of-retirement/ 12 Questions Black Tap restaurant https://blacktap.com/restaurant-menu/london-soho/ National Maritime Museum – Greenwich https://www.rmg.co.uk/national-maritime-museum ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== | |||