The Century Plan

In this episode of The Century Plan, Dennis and Sarah unpick some questions they are frequently asked at Yellowtail Financial Planning around retirement income. How do you derive an income from your retirement savings, and is selecting high dividend and income streams optimal over the long term? Do you need to change your investment approach when you reach retirement? Should you be looking to maxi...

In this episode of The Century Plan, we discuss the pension changes brought about by the 2023 Spring Budget which are coming in to effect this year. It may be a short-shelf-life episode if we see a change in Government following an election. Sarah and Dennis discuss how the Budget in 2023 has played out and is affecting pensions. We hear how Government decisions and changes in Government can impac...

In this episode of The Century Plan Sarah and Dennis are pleased to welcome their guest Carl Richards.   Carl is a US-based certified financial planner, joining the podcast from Park City Utah. Carl is the creator of the Sketch Guy column, which appeared weekly for a decade in the New York times. He's an international author and speaker, and his work has influenced financial planners across the gl...

In this episode of The Century Plan, Sarah asks Dennis "How Much Does it Cost to Work With a Financial Planner?". What is fair? How are different fees structured? What should you expect? Dennis has some interesting thoughts on hourly rates and explains how he works at Yellowtail Financial Planning. We explore in detail the structure of how fees are charged and why transparency is paramount to a lo...

In Episode 2 of Season 3 we reach one of the most common questions.... How Much Do I Need To Retire? It's not a one-size-fits-all all situation. Sarah and Dennis talk over considerations and formulas that can be used to help gain a figure. What kind of retirement are you planning? How much does that cost? How much do you have in assets? Do you know how your workplace pension is invested? How and w...

As The Century Plan returns for its third season, Sarah and Dennis revisit its purpose. Episode 1 of Season 3 opens with Dennis and Sarah taking a deeper dive into the challenges we all face from longevity risk. And they highlight the marked difference between the size of pension pot needed to support you if you live to 80 or if you live past 90 years. Can we afford to live to age 100? What is lon...

Don't leave it too late.... To have the conversation. Do your loved ones know about your finances? Have you considered how they will live when you are no longer around to provide for them? Do they know how and where to access your money, investments, and financial affairs? Have you written a will to safeguard your wishes?   Dennis and Sarah don't shy away from talking about what is often a taboo s...

Controversial opinion alert! Balanced portfolios are sub-optimal. Well, it may be controversial for some, but in this episode, Dennis explains how cashflow planning and evidenced-based investing shine a light on the shortfalls of a balanced approach. Risk profile questionnaires have been widely used since the late 90s, as a tool to establish our attitude to risk. But they're not a regulatory requi...

In our latest episode we sit down with guest David Jones .   Just back from a cooking course in Italy, Dennis hands over to Sarah who asks David about the value of advice and the importance of the relationship in Financial Planning.   David Jones, is Head of UK & Ireland Advisor Group and Vice President at Dimensional Fund Advisors. Before joining Dimensional, David was managing director of his ow...

In this episode, Sarah and Dennis discuss whether we should react to market volatility. In times of economic downturn, it can be hard to keep the faith and stick to your long-term financial plan. Should we be holding our nerve? How should we react to high interest rates, even higher inflation, geo-political issues and media doom-mongering. Why wouldn't we rush to move our money to a guaranteed rat...

In this special guest episode, Sarah and Dennis are joined by Justin King.   Justin is a registered Life Planner and coach and one of the UK's most qualified independent financial advisers. Justin hosts The Retirement Café Podcast and during this episode of The Century Plan, we hear how over 180 episodes evolved into The Retirement Café book. Justin also shares insights into the tools and techniqu...

In episode 5, Sarah and Dennis discuss Visual Tools and how they can reinforce and enhance our understanding. Can a picture paint a thousand words? Do you know your learning style? Maybe it's auditory and that's why you're listening to this podcast. Or it's kinesthetic and you learn best through movement, touch, or experience. Or, maybe it's visual, and diagrams or images help reinforce your under...

In episode 4, Sarah and Dennis loop back around to cover the risks of profiling. We hear Dennis explain why he doesn't like risk profiling questionnaires, the downsides, and the limitations. We also revisit cashflow modelling, Monte Carlo modelling and how to view your portfolio for the long term. Tune in to hear what to expect if you've been asked to fill in a risk profiling questionnaire.   Usef...

In this episode, Sarah and Dennis are joined by guest, Abraham Okusanya. Abraham  is the founder of investment and retirement research consultancy, FinalytiQ and creator of Timeline.co He's the host of podcasts, Retirementals and The Investing Show. and author of the book  "Beyond The 4% Rule: The science of retirement portfolios that last a lifetime" We'll hear how Dennis and Abraham met, how the...

Sarah and Dennis introduce us to tools and questions used during the financial planning process. We learn how Dennis has a multilayered role as a financial planner, life coach, marriage guidance counsellor, and relationship reuniting facilitator.  But why is Dennis compared to Davina Mccall? Financial planning is not just data and modelling. It's also about human relationships and shared experienc...

In this episode, we're introduced to Cashflow Modelling. What is cashflow modelling? How can cashflow modelling help us? What information do I need for cashflow modelling? Can I change my plans with cashflow modelling? What happens if it all goes wrong? Useful Information Host: Dennis Hall Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working...

Welcome to The Century Plan podcast. Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.   In this episode, Dennis and Sarah talk about Timing.   When is a good time to invest? What if I act too soon? What if I don't act quickly enough? Does anyone know the perfect timing?   Useful...

Welcome to The Century Plan podcast. Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us  The Century Plan podcast, to educate and highlight ways to build a brighter retirement.   Following on from the previous episode, Where Do I Start? Dennis and Sarah discuss different costs, how they are structured, and what you can expect.   Why are there so many different fee str...

Welcome to The Century Plan podcast. Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.   In this episode, Sarah takes it back to basics and asks Dennis "Where do I start?" What are the important steps in considering our financial future? When is the best time to start planning our...

Welcome to The Century Plan podcast.   Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.   In a change to the expected episode 7 of The Century Plan, we talk about Vulnerability.   Sarah and Dennis discuss "How it should feel when you talk to a financial adviser"  What is vulnerab...

Welcome to The Century Plan podcast.   Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.   In episode 6 of The Century Plan, we talk about forecasting and predictions. Why is Dennis Hall against forecasting? What do Mystic Meg and economists have in common? Who is John Kenneth Gal...

Welcome to The Century Plan podcast.   Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.   In episode 5 of The Century Plan we talk about financial fraud, particularly scams, spoofs and phishing. And by discussing some real - life examples, hopefully we'll help you avoid them.   W...

Welcome to The Century Plan podcast.   Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.   In this episode, we are introduced to Simplicity (and in turn complexity).   Why should we choose passive over active managment? What does the academic world and history teach us in planning...

Welcome to The Century Plan podcast.    Dennis Hall and Sarah Steele from Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.    In this episode we are introduced to Longevity.  What is longevity? Why is it important? What are Old Age Dependency Ratios? Why is it important to consider longevity?   Dennis provides an...

Welcome to The Century Plan podcast.   Dennis Hall and Sarah Steele from  Yellowtail Financial Planning Limited bring us The Century Plan podcast, to educate and highlight ways to build a brighter retirement.   In this episode we explore risk, and risk in financial planning in particular. How is risk relevant? What is risk in planning? What is probabilty theory? What is standard deviation? Bell cu...