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

The last few years have seen a substantial rise in the popularity of sustainable and ethical investments, driven by an increasing desire for investors to know where their money is going and what it is being used for. We look at why you should invest responsibly and cover some of the basics of ESG investing. If you don’t know what ESG stands for then have a listen of this episode. Disclaimer It is...

Inheritance Tax (IHT) receipts are at record highs. On the show this week we look at some of the basics of what IHT is, who it impacts and ways to mitigate and reduce any liability you might have. 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 subj...

Do I need life insurance? How much cover do I need? What is term insurance? What is a whole-of-life policy? How much does it cost? How can my adviser help? - Just some of the questions we look to answer on the podcast this week. 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 curre...

This week we look at all you need to know about premium bonds including your chances of winning a prize and how you can take them out. 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 completeness...

We are joined this week by guest expert Chinyere Adeniyi-Alade who is the Chief Executive of Grampian Credit Union. We look at what services credit unions offer and where to find one in your area. 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 subj...

Andrew Scouller joins us on the show this week to share his vast knowledge of financial planning for teachers. He answers questions regarding pensions, AVC’s, investments and sickness benefits. Phil is also on hand to answer questions on mortgages for teachers. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within t...

This week John and Phil are joined by Audrey Paterson who is a financial adviser based in Lanarkshire. Audrey speaks about her career in financial services, her health and her other business which gives her a passive income. We also speak about the importance of a good work/life balance and living a healthy life.  Disclaimer It is important to take professional advice before making any decisi...

Christmas seems to come around earlier every year. On the podcast this week we look at the benefits of being organised for Christmas financially. We also discuss Christmas Savings Clubs, Supermarket Savings Schemes 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 ou...

Many people will protect their home, mobile phone, or pets with various insurance policies. But how many consider insuring the one thing that underpins all of this? This week on the podcast we look at “could you survive without an income?” Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based o...

According to the financial regulator 60% of people stay with their existing provider when buying an annuity. They also say 8 out of 10 lose out by not switching. On the podcast this week we cover what an annuity is, the benefits of taking one out and the disadvantages of such arrangements. We also cover the different types of annuity available and also look at enhanced annuities.  Disclaimer...

We look at the different attitudes people have to money and also discuss things like setting spending limits, the need for both to know what is going on and what if your partner is spending too much. We look at the different ways you can do things including sharing and managing things together.  Disclaimer It is important to take professional advice before making any decision relating to your...

Whether you had always been planning to retire this year, or COVID-19 has forced your hand, it’s never too late to get organised. Even if you’re not planning to retire this year, it’s important to engage with your finances – don’t just sweep them under the carpet and hope that things will work out.  Disclaimer It is important to take professional advice before making any decision relating to...

If your debts are keeping you awake at night or you’re struggling to keep up with the repayments, there are steps you can take and organisations that can help you. This week we are joined by Wendy Fleming from the charity Ditch Debt with Dignity where we discuss dealing with debts, prioritising debts and where to get help.  Disclaimer It is important to take professional advice before making...

For many building their own home is the ultimate dream. This week we are joined by self-build mortgage expert Hamish Malcolm to look at all the in’s and out’s of self-build and stage payment mortgages.  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...

Setting aside money for a rainy day can help tide you over in difficult times and provide some financial security when you need it most. We look at why you should have an emergency fund and look at how much you might need.   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...

John and Phil are joined this week by Justin Dunne who is a specialist in secured loans. We look at what a secured loan is, the reasons for taking one out and the options available in the current marketplace.  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 understandi...

In recent years complaints against financial companies have soared. PPI, endowment and defined benefit pension complaints have been a hot topic for a while. This week we look at what to do and where to go if you have any issues with any financial matters.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within t...

Moving home is an exciting time however it also means lots to plan for. To try and make your move stress free we cover the things to do when moving and when to do them. 

We cover the different types of POA’s available, the advantages of having this in place and where to go to set one up. 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 completeness of the informat...

Combining pensions can mean less paperwork however there is a lot to consider when deciding if you should do this. This week we cover the things to look out for if you have multiple pension pots.  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...

This week we look at the advantages and disadvantages of buying a home. We also look at the pros and cons of renting and look at what option may be best for you.  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...

Property is an asset class that has done well historically. This week we look at the benefits of investing in property and also look at some of the negative aspects. 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 an...

We look at options for releasing a tax free cash sum from your home if you are over the age of 55. We look at lifetime mortgages and cover the pros and cons of these.  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...

The idea of going on a holiday may seem a long way away for many of us just now. This podcast looks at how to set holiday goals, save and plan for short-term and also longer-term adventures. 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...

We look at the various schemes to help people get on the property ladder and discuss the First Home Fund, Help to Buy Scotland and Low-Cost Initiative for First-Time Buyers (LIFT). 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 wi...