In this final episode of 2025, Matthew and Joe tackle the most frequently asked questions about retirement planning and pensions.

Topics include:

- Tax efficiency when drawing smaller pensions

- Gifting from income vs. capital

- UFPLS and tax-free cash strategies

- Flexi-access drawdown mechanics and practical tips

- Consolidating pensions for simplicity

- Investment choices and lifestyle funds

- Bridging the gap before pension age

- Death benefits and inheritance planning

Packed with practical insights and real-world examples, this episode helps you make informed decisions for a confident retirement.

Got a question or scenario you'd like us to cover? Email us at retirewell@wealthofadvice.co.uk or leave a comment below.

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Email us: retirewell@wealthofadvice.co.uk

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Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

Thinking about gifting this festive season? In this episode of Retire Well, Matthew and Joe break down everything you need to know about tax-efficient gifting and inheritance tax planning. From annual allowances and small gift exemptions to gifts out of surplus income and trusts, we cover the rules, pitfalls, and practical tips to help you plan wisely.

What you’ll learn:

What counts as a gift for tax purposes

Annual gifting allowance and small gift rules

Special occasion allowances (weddings, etc.)

Gifts out of surplus income and why documentation matters

Potentially Exempt Transfers (PETs) and the 7-year rule

Chargeable Lifetime Transfers and trusts explained

Common mistakes and how to avoid them

Why professional advice is crucial for large gifts

Whether you’re planning to help family now or reduce your future inheritance tax bill, this episode is packed with insights to make your gifting strategy smarter.

Got a question or scenario you'd like us to cover? Email us at retirewell@wealthofadvice.co.uk or leave a comment below.

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TALK TO US

Call us: 0191 384 1008

Email us: retirewell@wealthofadvice.co.uk

Website: www.wealthofadvice.co.uk

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SUBSCRIBE TO OUR NEWSLETTER

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Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

Join Matthew and Joe as they unpack the latest UK Budget and what it means for your personal finances. In this episode, we cover:

✅ Key announcements and surprises from the Budget

✅ Pension updates – tax-free cash, salary sacrifice limits, and state pension changes

✅ Tax tweaks on dividends, savings, and rental income

✅ ISA reforms and what they mean for savers and investors

✅ Inheritance tax, mansion tax, and other big changes

✅ Electric vehicle taxation and more

Whether you’re planning for retirement or just want to stay informed, this episode gives you practical insights and expert commentary on how these changes could impact your financial future.

Got a question or scenario you'd like us to cover? Email us at retirewell@wealthofadvice.co.uk or leave a comment below.

--

TALK TO US

Call us: 0191 384 1008

Email us: retirewell@wealthofadvice.co.uk

Website: www.wealthofadvice.co.uk

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SUBSCRIBE TO OUR NEWSLETTER

https://www.wealthofadvice.co.uk/newsletter-sign-up

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Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

Thinking about combining your pension pots? In this episode of Retire Well, Matthew and Joe dive deep into the pros and cons of pension consolidation and highlight the traps that could cost you thousands if overlooked.

From understanding investment choices and hidden fees to safeguarding valuable guarantees like protected tax-free cash and annuity rates, we cover everything you need to know before making a move.

Plus, we explain jargon like “in-specie transfers,” discuss the upcoming pension dashboard, and share practical steps for consolidating pensions safely. Whether you’re planning for simplicity in retirement or chasing better performance, this episode will help you make informed decisions and avoid common mistakes.

Got a question or scenario you'd like us to cover? Email us at retirewell@wealthofadvice.co.uk or leave a comment below.

--

TALK TO US

Call us: 0191 384 1008

Email us: retirewell@wealthofadvice.co.uk

Website: www.wealthofadvice.co.uk

--

SUBSCRIBE TO OUR NEWSLETTER

https://www.wealthofadvice.co.uk/newsletter-sign-up

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Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

In this episode of Retire Well, Matthew and Joe dive into the essential financial planning considerations for unmarried couples. With cohabiting couples now the fastest-growing family type in the UK, it's more important than ever to understand how to protect your wealth, property, and loved ones.

They cover:

• Why wills and powers of attorney matter
• Property ownership: joint tenants vs tenants in common
• Pension death benefits and nomination forms
• Life insurance and family income benefit
• Inheritance tax implications for unmarried partners
• The myth of “common law marriage” in the UK

Whether you're in a long-term relationship, a second partnership, or simply exploring your options, this episode is packed with practical advice to help you plan with confidence.

Got a question or scenario you'd like us to cover? Email us at retirewell@wealthofadvice.co.uk or leave a comment below.--TALK TO USCall us: 0191 384 1008Email us: retirewell@wealthofadvice.co.ukWebsite: www.wealthofadvice.co.uk--SUBSCRIBE TO OUR NEWSLETTERhttps://www.wealthofadvice.co.uk/newsletter-sign-up---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

In this episode of Retire Well, Matthew and Joe tackle inheritance tax through five real-life case studies, exploring how upcoming changes — including pensions being pulled into the estate from 2027 — could affect your financial legacy. They break down key planning strategies for couples, single professionals, and retirees, covering gifting rules, trusts, pension death benefits, discounted gift trusts, and more. Whether you're looking to protect your estate, support your children or grandchildren, or simply understand the rules better, this episode offers practical insights to help you plan with confidence.

Got a question or scenario you'd like us to cover? Email us at retirewell@wealthofadvice.co.uk or leave a comment below.

--

TALK TO US

Call us: 0191 384 1008

Email us: retirewell@wealthofadvice.co.uk

Website: www.wealthofadvice.co.uk

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SUBSCRIBE TO OUR NEWSLETTER

https://www.wealthofadvice.co.uk/newsletter-sign-up

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Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

In this episode of Retire Well, Matthew and Joe tackle one of the most common — and complex — retirement questions: How do you know when you have enough? From the 4% rule to cash flow modelling, they explore practical strategies and psychological factors that influence retirement readiness. Whether you're decades away or already considering the leap, this episode offers valuable insights into:- Setting realistic retirement targets- Understanding sustainable withdrawal rates- Balancing financial security with lifestyle goals- Managing risks like inflation, market volatility, and care costs- The importance of flexibility and memory dividends in retirement planningTune in for real client stories, expert advice, and thoughtful discussion to help you define your own “enough.”Got a question or scenario you'd like us to cover? Email us at retirewell@wealthofadvice.co.uk or leave a comment below.--TALK TO USCall us: 0191 384 1008Email us: retirewell@wealthofadvice.co.ukWebsite: www.wealthofadvice.co.uk--SUBSCRIBE TO OUR NEWSLETTERhttps://www.wealthofadvice.co.uk/newsletter-sign-up---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.

In this episode of Retire Well, Matthew and Joe tackle one of the most common — and complex — retirement questions: How do you know when you have enough? From the 4% rule to cash flow modelling, they explore practical strategies and psychological factors that influence retirement readiness. Whether you're decades away or already considering the leap, this episode offers valuable insights into:Setting realistic retirement targetsUnderstanding sustainable withdrawal ratesBalancing financial security with lifestyle goalsManaging risks like inflation, market volatility, and care costsThe importance of flexibility and memory dividends in retirement planningTune in for real client stories, expert advice, and thoughtful discussion to help you define your own “enough.”Got a question or scenario you'd like us to cover? Email us at retirewell@wealthofadvice.co.uk or leave a comment below.--TALK TO USCall us: 0191 384 1008Email us: retirewell@wealthofadvice.co.ukWebsite: www.wealthofadvice.co.uk--SUBSCRIBE TO OUR NEWSLETTERhttps://www.wealthofadvice.co.uk/newsletter-sign-up---Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.