Those Pension Guys

In this episode, Kieran, Martin and Emma discuss what it really means to invest during periods of market volatility and why uncertainty in markets doesn’t always mean something has gone wrong. They explore why market movements can feel uncomfortable, how headlines and emotions influence decision-making, and why staying focused on long-term goals can often be more important than reacting to short-t...

In this episode, Kieran and Martin discuss the proposed changes to inheritance tax on pensions and what they could mean for individuals and families planning for the future. They break down how pensions have traditionally been used as a tax-efficient way to pass on wealth, and why these changes could have a significant impact on estate planning going forward. The conversation explores who may be a...

In this episode, Kieran and Martin break down one of the most common financial goals - building a £1 million pension pot. They explain why it’s not a one-size-fits-all target, and why understanding your current position, earnings potential and retirement timeline is key. Using real-life style case studies, they highlight the impact of investment growth, inflation, and consistent contributions over...

In this episode, Kieran, Martin and Emma share real (anonymised) client stories that showcase the real impact of financial planning. They discuss challenging client situations, difficult retirement conversations, and how advice can help people navigate uncertain or complex financial decisions. They also explore why flexibility is key to any financial plan, share some of their favourite retirement...

In this episode, Kieran and Martin take a clear, no‑nonsense look at the Autumn 2025 Budget and what the key changes could mean for people planning their financial futures. They talk about the headlines around tax‑free cash, before breaking down the main updates across personal taxes, pensions and business owners in a straightforward, practical way. They also explain why understanding the Budget m...

In this episode, Kieran, Martin and Emma break down what it really means to be a client of Welsh & Taylor Wealth. We discuss the types of clients we typically work with, why they come to us, and how our independent approach allows us to build strategies tailored to real people - not products. We talk openly about our fees, our investment proposition, and why we focus on long-term relationships...

In our very first episode, Kieran, Martin and Emma take you back to the beginning of our careers in the financial world. From our first steps into the industry, through the lessons learned along the way, we share how our paths eventually crossed and what led us to make the decision to go independent. This is the start of our story and the foundation of Those Pension Guys. Disclaimer: Those Pension...

In this episode, Kieran, Martin and Emma continue sharing our story by exploring the process of going independent . We discuss the steps involved, the hurdles we faced along the way, and the lessons we learned while building Welsh & Taylor Wealth as a directly authorised firm. It’s an honest look at the challenges behind the scenes and what it really takes to make the move. Disclaimer: Those P...