The UK Personal Finance Show ~ Pensions, Investment, Savings and Insurance.

Business coach, Stuart Mason, joins us this week to look at why learning is so important when you are looking to earn more. On this podcast we cover vision boards, goals and Stuart gives us a run down of his favourite books.  It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current unders...

As the end of the tax year approaches, now is the perfect time to ensure you have your financial affairs in order and to double check you’ve taken advantage of all the tax-efficient allowances available to you. Some areas we look at this week include pensions, ISA’s, gifting for IHT purposes, CGT allowance and dividend allowance. It is important to take professional advice before making any decisi...

Kym Laxy from Mortgage Advice Bureau Elgin joins us to look at mortgage options for those with blips in their credit history. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information...

We look at the different types of credit cards available and how they work. We cover cards for purchases, balance transfers, repairing your credit rating, reward cards and cashback cards. We cover the benefits of credit cards and also look at potential pitfalls. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcas...

Phil and John look at the differences between active and passive investing. During this podcast they look at the differences between the two and the pros and cons of each approach. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notic...

What could be the best investment for you? This week Andrew Scouller steps in for Phil and he looks at property and pensions. Areas covered include taxation, tax reliefs, costs and past performance. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to ch...

We look at whole of life insurance and the differences between this and term cover. We look at reasons why you would consider this type of plan and discuss inheritance tax planning and paying for your funeral. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be su...

John and Phil look back at some of the podcasts that they recorded in 2022. They look at the most popular topics covered including Buy to Let and Financial Planning for Beginners. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice...

Government figures showed 500,000 people withdrew £3.6billion from their pension pots between March and xMay 2022. Is it a good idea to draw money from your pension pots? What are the tax implications? What are the pros and cons of doing this? - Just some of the questions we look at on this week’s podcast.  It is important to take professional advice before making any decision relating to you...

As the New Year approaches we look at getting your finances ready for 2023. We discuss goal setting, budgeting, New Year resolutions, wills, using your allowances and key dates for the year ahead.  It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject t...

Phil and John look at the recent budget and go through the various changes to income tax, capital gains tax and pensions. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cann...

Healthy eating is important and doesn’t need to be expensive. On this podcast we look at ideas to help you eat well and keep costs down. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completene...

Independent Financial Advisor, Cheryl Horne, covers for Phil this week as John & Cheryl sit down with Neil from Creditspring to discuss how using credit can help you manage your personal finances. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to...

This week we look at investing in whisky. Alistair Moncrieff from Whisky Partners joins us and explains how to invest in casks of whisky. Alistair also speaks about the risks, tax situation, the angels' share, what to look for in a reputable dealer and some of his plans to disrupt the market going forward.  It is important to take professional advice before making any decision relating to you...

Dead cat bounce, pound cost averaging, bull markets, bear markets, bed & ISA, gearing and liquid assets - just some of the terms that we look at in this week's podcast. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without no...

Geoff Woodger from The Utility Warehouse joins us this week to look at how he can save you money on your energy bills. Geoff also discusses telecoms and broadband.  During this episode Phil shares some tips to help you conserve energy and keep your bills down. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information with...

This week John and Phi look at the options for “porting” an existing mortgage when you move home. We look at what happens if you borrow more or borrow less and we also look at the advantages that can be found in transferring a mortgage from one property to another. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information with...

Interest rates are on the rise and the cost of living has increased. Mortgage lenders have tightened their criteria and a lot of mortgage deals have been withdrawn from the market. We look at recent changes to stamp duty, the state of the property market and also look at the importance people's goals and aspirations are in deciding if now is a good time to buy a home. Disclaimer It is important to...

Independent Financial adviser Andrew Scouller joins John on the podcast this week to look at the recent mini-budget. The podcast covers income tax changes, dividend tax, stamp duty changes and how these changes can impact on your financial plans. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on ou...

Phil is off on holiday this week so John is joined by financial adviser Andrew Scouller in his absence to look at pensions for the self-employed. Andrew looks at why having a pension is so important if you are self-employed, how much you should be paying in and explains how the tax relief works on your contributions. It is important to take professional advice before making any decision relating t...

Charlotte is the CEO and founder of Netwealth. She joins us on the podcast this week to speak about her passion for disrupting the status quo in wealth management. We also look at financial wellness, charges in wealth management and the areas Netwealth specialise in. It is important to take professional advice before making any decision relating to your personal finances. Information within this p...

Many of us dream of receiving a windfall. On this podcast we look at inheritances, receiving a bonus at work and winning the lottery. We look at capital gains tax, inheritance tax and Phil shares his top 5 tips upon receiving a windfall.  It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our c...

Colin Pennycook from Pension Income Planning Ltd joins us this week to look at Defined Benefit Pensions. We look at the certainty these give people along with protection from inflation. Colin also takes us through some of the reasons why someone would consider transferring out of a DB pension. It is important to take professional advice before making any decision relating to your personal finances...

A change in circumstances can have a huge impact on your finances. On this podcast we look at the importance of reviewing employer benefits, your pensions/retirement plans, and your mortgage when you change job. It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be...

On this podcast we look at reviewing your finances during a cost of living crisis. Areas that we cover include pensions, life insurance, mortgages and budgeting. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and th...