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

Ep 175 - The Last Broadcast

Phil Anderson — Mon, 16 Sep 2024 09:00:00 +0000

After over four incredible years and 175 episodes, we’ve reached the final chapter of The UK Personal Finance Show with Phil Anderson. In this special episode, Phil and John take a look back at some of the most memorable moments, insightful conversations, and valuable lessons shared along the way.

We reflect on the impact the show has had, share some personal highlights, and offer final thoughts on the future of personal finance in the UK. While this may be our last broadcast, the advice and inspiration we've shared will continue to help you make informed financial decisions for years to come.

Thank you for being part of our community – it’s been a pleasure and a privilege.

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 cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Ep - 174 - Selling a business

Phil Anderson — Mon, 26 Aug 2024 05:00:00 +0000

In this episode, we dive into the essential steps and strategies for selling your business. From preparing your company and determining its value to understanding tax implications and structuring the sale, we cover it all. Discover how to minimise your tax burden, set clear financial goals, and invest the proceeds wisely. Whether you’re contemplating a sale or are in the midst of negotiations, this episode offers valuable insights to help you achieve a successful and profitable business transition.

Ep 173 - Driving Savings: Exploring Salary Sacrifice Schemes for Electric Vehicles

Phil Anderson — Mon, 17 Jun 2024 09:00:00 +0000

We delve into salary exchange schemes for electric vehicles, highlighting how these enable employees to drive electric cars while saving on taxes and reducing their carbon footprint. We explore the financial benefits for both employees and employers, the positive environmental impact, and share insights from industry experts Darren Woodall and Michael Hook from GoFor.

Ep 172 - Property Opportunities with David Liddell

Phil Anderson — Mon, 20 May 2024 05:00:00 +0000

On the podcast this week we delve into the world of property opportunities. Our guest expert, David Liddell from Liddell Property Investments, joins us to explore the lucrative realm of converting properties into AirBNBs and guest houses. Discover insider tips, valuable insights, and expert advice on maximising your property investments.

Ep 171 - Money And Mental Health: Breaking The Taboo

Phil Anderson — Mon, 22 Apr 2024 06:00:00 +0000

We delve into the often-overlooked intersection of money and mental health. We explore the taboo surrounding discussions about mental wellbeing in relation to personal finance. From the impact of financial stressors on mental health to debunking common myths, Phil looks to shine a light on the importance of addressing these issues openly and honestly. Discover practical strategies for managing financial stress, prioritising mental wellbeing, and rebuilding resilience in the face of adversity. Tune in to gain valuable insights and inspiration for navigating the complex relationship between money and mental health.

Ep 170 - Spring Budget 2024

Phil Anderson — Mon, 25 Mar 2024 05:00:00 +0000

We look at the recent Spring Budget to see how it impacts from a financial planning perspective. Areas covered include cost-of-living measures, personal tax, savings, pensions and property tax.

Ep169 - Financial planning for the tax year end

Phil Anderson — Mon, 26 Feb 2024 07:00:00 +0000

We look at the various tax allowances and reliefs available for the tax year and Phil shares some financial planning tips to help reduce your tax bill. Some of the areas covered on this podcast include ISA’s, pensions/retirement planning, capital gains tax and inheritance tax.

Ep 168 - Money Mindset

Phil Anderson — Mon, 22 Jan 2024 06:00:00 +0000

Phil goes through some of the things that he has learned over the years from various coaches, speakers and books. He discusses techniques to help you improve your wealth and mindset to succeed with your finances.

Ep 167 - An introduction to retirement planning

Phil Anderson — Mon, 11 Dec 2023 06:15:00 +0000

On this podcast we look at helping you prepare for the lifestyle you want in retirement. We discuss areas such as how much money will you realistically need to live on, at what age do you want to retire and retirement bucket lists.

Ep 166 - Autumn Statement 2023

Phil Anderson — Mon, 04 Dec 2023 05:00:00 +0000

Financial Adviser, Andrew Scouller, joins John this week to look at the recent Autumn Statement. We look at how this impacts people from a financial planning viewpoint and Andrew covers the key changes that are coming.

Ep 165 - Plan for happy: A step-by-step guide to growing your money

Phil Anderson — Mon, 27 Nov 2023 06:00:00 +0000

We are joined on this podcast episode by Adam Walkom who discusses his new book which is out this week. The book takes the reader through the financial planning process and in this episode we also touch on how financial planning can help you reach your short, medium and longer term goals.

Ep 164 - Investment and pension charges

Phil Anderson — Mon, 20 Nov 2023 05:30:00 +0000

Annual management fees, platform fees, initial financial adviser fees, ongoing financial adviser fees, exit fees, performance fees and bid-offer spreads…just some of the costs and charges that we touch on during the podcast this week.

Ep 163 - Marginal Gains

Phil Anderson — Mon, 13 Nov 2023 05:30:00 +0000

This week we look at how you can make small improvements to your finances. We also look at how you can incorporate “marginal gains” when it comes to financial learning, your retirement plans and savings.

Ep 162 - Investing in luxury watches

Phil Anderson — Mon, 06 Nov 2023 05:15:00 +0000

This week we are joined by Sam Rayner and Max Nordigan from Chrono Hunter. They set their business up with the goal of providing a safe place for watch lovers to buy and sell watches whilst ensuring the best possible price by comparing multiple offers from a trusted network of the finest luxury retailers across the country.

Ep 161 - Claims Management Companies

Phil Anderson — Mon, 30 Oct 2023 06:30:00 +0000

This week we chat Claims Management Companies. We look at what they do along with the pros and cons of using them should you have an issue with a financial product or service.

Ep 160 - Winning with your finances

Phil Anderson — Mon, 23 Oct 2023 05:30:00 +0000

We are joined this week by Clare Humphreys from Will to Win. Clare helps people realise their true potential and achieve more. On this podcast we discuss limiting beliefs, habitual behaviours and changing the paradigm.

Ep 159 - Attitude to Risk and Portfolio Structure

Phil Anderson — Mon, 16 Oct 2023 05:00:00 +0000

Financial adviser, Andrew Scouller, joins John this week to discuss the various degrees of risk people can take with their investments. Andrew also discusses the various portfolio structures for different risk categories.

Ep 158 - 10 tips to improve your credit score

Phil Anderson — Mon, 09 Oct 2023 05:30:00 +0000

Having a good credit score can help you get credit and it can also help you get credit on better terms. This week Phil shares ten tips to improve your credit score.

Ep 157 - More Than Motivation

Phil Anderson — Mon, 02 Oct 2023 09:00:00 +0000

This week we are joined by Fiona Macintosh who provides coaching and training in the areas of wellbeing, motivation and leadership. Fiona talks about resilience, thinking and motivation factors.

Ep 156 - Life insurance for the over 60’s

Phil Anderson — Mon, 25 Sep 2023 06:30:00 +0000

Guest expert Kathryn Knowles from Cura joins us this week to look at life insurance for the over 60s. We look at the reasons why someone would need cover, look at the options available and discuss the options for applying for cover.

Ep 155 - Income Protection Awareness Week

Phil Anderson — Mon, 18 Sep 2023 07:45:00 +0000

According to a study last year by LV, 56% of working adults would feel more financially resilient if they had insurance that pays an income if they couldn’t work due to illness or injury. The same study also found that 1 in 4 workers don't have Income Protection but would like to have it. This week we look at income protection insurance and the features and benefits of this sort of plan. Ep 155 - Income Protection Awareness Week

Ep 154 - How much will financial advice cost?

Phil Anderson — Mon, 11 Sep 2023 05:00:00 +0000

In this episode we look at the ways that you can pay for financial advice, how much it will cost and some of the benefits of taking regulated financial advice.

Ep 153 - Pound cost averaging

Phil Anderson — Mon, 04 Sep 2023 05:30:00 +0000

Pound cost averaging is effectively drip feeding an investment rather than investing everything in one go. It can take away some of the worry around long-term investing. On this podcast we look at the advantages and disadvantages of this approach.

Ep 152 - Your pension: your choices

Phil Anderson — Mon, 28 Aug 2023 06:00:00 +0000

Phil and John discuss the options if you are thinking about accessing your pension pot. They also look at the options for your pension when you want to take the benefits from it and cover annuities and drawdown.

Ep 151 - Cash Is King…or is it?

Phil Anderson — Mon, 21 Aug 2023 05:00:00 +0000

We look at what is meant by the term cash is king. We also discuss what inflation means for your savings and cover the pros and cons of having your money in cash.

Ep 150 - Ask the Fund Manager with Tom Stokes from Aviva Investors

Phil Anderson — Mon, 14 Aug 2023 05:00:00 +0000

Tom Stokes is an Investment Director with Aviva Investors and he joins us this week on the podcast where we discuss investment markets, inflation, artificial intelligence and China.

Ep 149 - Serviced Accommodation with guest expert Lisa Schoneville

Phil Anderson — Mon, 07 Aug 2023 05:45:00 +0000

Lisa Schoneville from Blok Property Management joins us this week to look at serviced accommodation. If you are considering investing in property or looking at different ways to boost your investment returns this podcast is for you.

Ep 148 - With-profits investments

Phil Anderson — Mon, 31 Jul 2023 05:00:00 +0000

Andrew Scouller is standing in for Phil this week as he is on holiday. John and Andrew look at with-profits investments and they discuss the advantages and disadvantages of this type of fund.

Ep 147 - Joint Borrower Sole Proprietor Mortgages

Phil Anderson — Mon, 24 Jul 2023 05:30:00 +0000

This type of mortgage can be useful for parents or family members who want to help someone else buy a home without taking ownership of the property. Mortgage adviser, Laura Stephen, joins John this week to look at Joint Borrower Sole Proprietor Mortgages.

Ep - 146 - Where is the best place for your money?

Phil Anderson — Mon, 17 Jul 2023 05:15:00 +0000

We look at the difference between savings and investments. We discuss risk versus reward and also at the various asset classes where people can invest.

Ep 145 - Leaving an inheritance

Phil Anderson — Mon, 10 Jul 2023 05:15:00 +0000

Leaving an inheritance can be a complicated and sensitive area of financial planning. It’s an emotive topic which requires careful navigation and planning, but it’s a conversation worth starting sooner rather than later.

Ep 144 - Asset protection and estate planning

Phil Anderson — Mon, 03 Jul 2023 05:00:00 +0000

Ross Anderson from Jones Whyte Solicitors joins us to go through some options for protecting your estate. In this episode we look at probate costs, sideways disinheritance, care costs and options to protect your assets.

Ep 143 - Women in Financial Services

Phil Anderson — Mon, 26 Jun 2023 05:45:00 +0000

Laura Stephen from Phil Anderson Financial Services joins us this week to look at women in financial services. We discuss the opportunities for women in financial planning, the gender pay gap and explore the challenges faced by women when it comes to balancing career ambitions with family responsibilities.

Ep 142 - Life Insurance

Phil Anderson — Mon, 19 Jun 2023 09:00:00 +0000

This week we look at what life insurance is, the different types of cover available and factors that influence the costs. We look at where you can get quotes for life cover, reasons you should consider taking out cover and the benefits of doing your plan in trust.

Ep 141 - Is now a good time to buy a property?

Phil Anderson — Mon, 12 Jun 2023 05:30:00 +0000

Tony Lister from estate agent Hamish joins us to look at whether now is a good time to buy a home.

Ep 140 - Side Hustles and Additional Income Streams

Phil Anderson — Mon, 05 Jun 2023 05:15:00 +0000

On this podcast Phil shares lots of tips and ideas for generating extra money.

Ep 139 - Mortgages with no deposit

Phil Anderson — Mon, 29 May 2023 05:00:00 +0000

We look at the options for those with no deposit to put down. We discuss the Skipton Building Society Track Record Mortgage and the criteria to qualify for this option. We also look at other ways to buy a property when you have no deposit to put down.

Ep 138 - Investing in residential property

Phil Anderson — Mon, 22 May 2023 06:00:00 +0000

David Liddell from Liddell Property Investments joins us this week to look at investing in residential property. We look at the benefits of investing in property and also discuss property sourcing, portfolio building, joint ventures and adding value to property.

Ep 137 - A beginners guide to managing your money

Phil Anderson — Mon, 15 May 2023 05:15:00 +0000

This week we discuss budgeting, financial protection, emergency funds, savings and building assets. We look at where to get started and cover the basics for managing your money.

Ep 136 - Investing in Art with guest expert Mark Gask Episode 136

Phil Anderson — Mon, 08 May 2023 06:00:00 +0000

We are joined this week by Mark Gask who has galleries in Scotland and Estonia. We look at the popularity of investing in art and look at the do’s and don’ts. Mark also shares his knowledge of how to get started in investing in art.

Ep 135 - National Savings & Investments (NS&I)

Phil Anderson — Mon, 01 May 2023 09:00:00 +0000

John is again joined by Andrew Scouller and this week they look at National Savings and Investments. In this episode we look at premium bonds, Green Savings Bonds, Income Bonds and the other options available through NS&I.

Ep 134 - Capital Investment Bonds

Phil Anderson — Mon, 24 Apr 2023 09:00:00 +0000

Phil is on holiday this week so John is joined by his colleague Andrew Scouller to look at Capital Investment Bonds. Andrew explains what they are, who they can benefit, and the reasons to consider this type of investment.

Ep 133 - Buying Property Overseas

Phil Anderson — Mon, 17 Apr 2023 05:00:00 +0000

Guest expert Paul Cherry from Chersun joins us this week to look at buying property overseas. Paul is based in Spain and shares some great tips if you are looking to purchase a property overseas. 

Ep 132 - Investing in NFT’s

Phil Anderson — Mon, 10 Apr 2023 05:00:00 +0000

What is an NFT? How do NFT’s work? What sort of NFT’s do you get? Is investing in a NFT a good idea? Are NFT’s expensive and is it easy to get scammed? These are some of the questions asked on this week's podcast where we look at non-fungible tokens (NFT’s).

Ep 131 - The Spring Budget

Phil Anderson — Mon, 03 Apr 2023 05:15:00 +0000

Chancellor of the Exchequer, Jeremy Hunt, delivered his first Spring Budget on 15 March declaring it was “A Budget for Growth.” We look at the key points from a financial planning perspective and look at the changes to pensions which were announced.

Ep 130 - Gazumping and Gazundering de 130

Phil Anderson — Mon, 27 Mar 2023 07:00:00 +0000

It is estimated that almost 1 in 3 people have been impacted by gazumping and gazundering when buying and selling property in the last 10 years. This week we look at what each is and ways you can try not to be gazumped or gazundered when moving home.

Ep 129 - Financial Advice from ChatGPT

Phil Anderson — Mon, 20 Mar 2023 05:45:00 +0000

ChatGPT is a natural language processing tool driven by AI technology that allows you to have human-like conversations and much more with a chatbot. The language model can answer questions, and assist you with tasks such as composing emails, social media posts and Phil even had it write him a press release. We look to see if it can help you with financial advice.

Ep 128 - VCT & EIS

Phil Anderson — Mon, 13 Mar 2023 06:00:00 +0000

We are joined this week by Dr Reuben Wilcock from Blackfinch Group to look at Venture Capital Trusts and Enterprise Investment Schemes. We discuss how these investments work and also look at the tax advantages with this type of investment. We cover the various benefits and also the risks involved.

Ep 127 - 10 Reasons To Look At Trusts

Phil Anderson — Mon, 06 Mar 2023 05:00:00 +0000

In this episode we look at why trusts are not just for the rich and famous. We look at some of the benefits of trusts including tax mitigation, speed of settling, flexibility and privacy benefits.

Ep 126 - Passing on our Pension

Phil Anderson — Mon, 27 Feb 2023 06:15:00 +0000

This week we look at what happens to your pension when you die. We look at tax implications, nomination of beneficiary forms and why it is important to keep things updated.

Ep 125 - Learn to earn with business coach Stuart Mason

Phil Anderson — Mon, 20 Feb 2023 05:00:00 +0000

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.

Ep 124 - End of Tax Year Planning

Phil Anderson — Mon, 13 Feb 2023 09:00:00 +0000

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.

Ep 123 - Credit impaired mortgages with guest expert Kym Laxy

Phil Anderson — Mon, 06 Feb 2023 06:00:00 +0000

Kym Laxy from Mortgage Advice Bureau Elgin joins us to look at mortgage options for those with blips in their credit history.

Ep 122 - Credit Cards

Phil Anderson — Mon, 30 Jan 2023 05:00:00 +0000

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.

Ep 121 - Passive vs Active Investing

Phil Anderson — Mon, 23 Jan 2023 07:00:00 +0000

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.

Ep 120 - Property versus Pensions

Phil Anderson — Mon, 16 Jan 2023 05:00:00 +0000

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.

Ep 119 - Whole of life insurance

Phil Anderson — Mon, 09 Jan 2023 06:30:00 +0000

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.

Ep 118 - A review of our 2022 podcasts

Phil Anderson — Mon, 02 Jan 2023 09:00:00 +0000

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.

Ep 117 - Beware raiding your pensions

Phil Anderson — Mon, 19 Dec 2022 05:00:00 +0000

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.

Ep 116 - Getting ready for 2023

Phil Anderson — Mon, 12 Dec 2022 05:00:00 +0000

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.

Ep 115 - What does the Autumn Budget mean for You?

Phil Anderson — Mon, 05 Dec 2022 05:00:00 +0000

Phil and John look at the recent budget and go through the various changes to income tax, capital gains tax and pensions.

Ep 114 - Food for thought…Eat well, spend less

Phil Anderson — Mon, 28 Nov 2022 06:30:00 +0000

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.

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Ep 113 - In conversation with Neil Kadagathur of Creditspring

Phil Anderson — Mon, 21 Nov 2022 06:45:00 +0000

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.

Ep 112 - Investing in Whisky with guest expert Alistair Moncrieff

Phil Anderson — Mon, 14 Nov 2022 05:00:00 +0000

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.

Ep 111 - Unusual financial phrases

Phil Anderson — Mon, 07 Nov 2022 05:00:00 +0000

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.

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Ep 110 - Cutting costs in a crisis

Phil Anderson — Mon, 31 Oct 2022 08:00:00 +0000

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.

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Ep 109 - Porting your mortgage

Phil Anderson — Mon, 24 Oct 2022 08:00:00 +0000

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.

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Ep 108 - Is now a good time to buy a home

Phil Anderson — Mon, 17 Oct 2022 08:00:00 +0000

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.

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Ep 107 - Reviewing the Mini Budget of 2022

Phil Anderson — Mon, 10 Oct 2022 09:00:00 +0000

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.

Ep 106 - Pensions for the self-employed

Phil Anderson — Mon, 26 Sep 2022 09:00:00 +0000

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.

Ep 105 - In conversation with Charlotte Ransom from Netwealth

Phil Anderson — Mon, 19 Sep 2022 09:00:00 +0000

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.

Ep 104 - Receiving a windfall

Phil Anderson — Mon, 12 Sep 2022 09:00:00 +0000

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.

Ep 103 - Defined Benefit Pensions

Phil Anderson — Mon, 05 Sep 2022 09:00:00 +0000

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.

Ep 102 - Reviewing your finances when you change job

Phil Anderson — Mon, 29 Aug 2022 09:00:00 +0000

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.

Ep 101 - Reviewing your policies when outgoings soar

Phil Anderson — Mon, 22 Aug 2022 09:00:00 +0000

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.

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Ep 100 - 100 not out!

Phil Anderson — Mon, 15 Aug 2022 05:00:00 +0000

We look at some of the best bits from the first 100 episodes of the UK Personal Finance Show podcast with Phil Anderson. We discuss our most popular shows and look ahead to some of the future topics that we plan to look at.

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Ep 99 - Beware the scammers

Phil Anderson — Mon, 08 Aug 2022 05:00:00 +0000

This week we look at the latest scams that are doing the rounds. We cover WhatsApp scams, email scams, identity theft, and Covid vaccination scams.

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Ep 98 - Diversification

Phil Anderson — Mon, 01 Aug 2022 05:00:00 +0000

We look at the benefits of diversifying your investments and spreading risk. Andrew Scouller joins us to look at different asset classes and what he does to help people diversify their portfolios.

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Ep 97 - Mortgage market update

Phil Anderson — Mon, 25 Jul 2022 05:00:00 +0000

Phil and John look at how the mortgage market has changed this year due to rising interest rates, high inflation and the cost of living crisis. If you are looking to review a mortgage soon or move home in the near future then this podcast will interest you.

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Ep 96 - How much life insurance do I need?

Phil Anderson — Mon, 18 Jul 2022 05:00:00 +0000

This week we look at how much life insurance people need. We consider covering debts, protecting dependents and cover to pay funeral/burial costs.

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Ep 95 - What I own and where it's kept

Phil Anderson — Mon, 11 Jul 2022 05:00:00 +0000

Recording and storing your financial details is such an important thing. We take a look at our “what I own and where it’s kept” document. We cover what is in this and the benefits of good financial record keeping.

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Ep 94 - Inflation

Phil Anderson — Mon, 04 Jul 2022 05:00:00 +0000

We look at what inflation is, how it impacts on you and what you can do to make your money work harder to beat or keep pace with inflation. We look at how it impacts your pension, investments and what it means if you have a mortgage.

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Ep 93 - The stock market

Phil Anderson — Mon, 27 Jun 2022 05:00:00 +0000

This week we look at what the stock market is and why people invest in it. We discuss stock brokers, fund managers and the pros and cons of stock market investing. We look at where you can find a stock broker and the routes you can go down if you use one.

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Ep 92 - Financial help for miscarriage, stillbirth and neonatal death

Phil Anderson — Mon, 20 Jun 2022 05:00:00 +0000

In a time that will be filled with shock and sadness, it may also be a time of unexpected financial strain. This week we look at benefits and entitlements if you suffer a miscarriage, stillbirth or neonatal death. We also look at where you can turn for emotional support.

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Ep 91 - Financial planning for women

Phil Anderson — Mon, 13 Jun 2022 05:00:00 +0000

We are once again joined this week by Clare Moffat from Royal London where we look at financial planning for women. We discuss pension gaps due to taking time off to have children and we also cover the menopause and its impact on a woman’s financial situation.

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Ep 90 - Pensions for higher rate taxpayers

Phil Anderson — Mon, 06 Jun 2022 05:00:00 +0000

We are joined this week by guest expert Clare Moffat from Royal London. We look at how much you can pay into a pension and discuss the benefits of good financial planning when it comes to pensions for higher rate taxpayers.

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Ep 89 - Investing for children

Phil Anderson — Mon, 30 May 2022 05:00:00 +0000

This week we look at investing for children. We look at ways to fund private education, university fees, wedding costs and property deposits. On this podcast we cover Junior ISA's, child trust funds, personal pensions, premium bonds and trusts.

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Ep 88 - Commercial lending

Phil Anderson — Mon, 23 May 2022 05:00:00 +0000

Alex Drummond from Drummond Finance joins us this week to look at commercial lending. We look at various areas including commercial mortgages, asset finance and invoice financing.

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Ep 87 - Responsible investing with Brewin Dolphin

Phil Anderson — Mon, 16 May 2022 05:00:00 +0000

Guest expert Tom Buffham from Brewin Dolphin joins us on the podcast this week as we look at responsible investing. Some of the things we look at include sustainable investing, environmental issues and we also discuss “greenwashing.”

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Ep 86 - New build mortgages

Phil Anderson — Mon, 09 May 2022 05:00:00 +0000

We are joined this week by guest expert Cameron McLean to look at new build mortgages. We look at the advantages of buying a new property and also discuss some of the things to watch out for.

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Ep 85 - Critical illness cover

Phil Anderson — Mon, 02 May 2022 05:00:00 +0000

This week we look at what critical illness cover is and the benefits of having a policy in place to cover this. We look at how much cover you should have along with looking at provider claims history and how to compare the cover offered by the various insurers.

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Ep 84 - Problems paying your mortgage

Phil Anderson — Mon, 25 Apr 2022 05:00:00 +0000

With the current cost of living crisis more people are struggling to pay their mortgage. This week we look at what to do if you are finding it hard to pay your mortgage.

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Ep 83 - Life insurance for business owners

Phil Anderson — Mon, 18 Apr 2022 05:00:00 +0000

Phil and John are joined this week by James Irving-Lewis who is a life insurance expert at Phil Anderson Financial Services. We look at tax-efficient ways to set up your life insurance that can save you as much as 50% on your monthly premiums.

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Ep 82 - Financial planning for beginners

Phil Anderson — Mon, 11 Apr 2022 05:00:00 +0000

This week we cover the basics of financial planning and look at budgeting, life insurance, income protection, emergency funds, wills, Power of Attorney, financial goal setting, and retirement planning. If you don’t know where to start with planning for your financial future then this podcast is for you.

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Ep 81 - Twenty quotes to help you gain money and success

Phil Anderson — Mon, 04 Apr 2022 05:00:00 +0000

Phil and John look at twenty quotes from people such as Jim Rohn, Warren Buffet and Steve Jobs. If you are looking for a bit of motivation then this podcast is for you.

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Ep 80 - Financial planning for students

Phil Anderson — Mon, 28 Mar 2022 05:00:00 +0000

This week we look at financial planning for students and discuss budgeting, grants, student loans, student bank accounts and student discounts.

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Ep 79 - Investments for cautious investors

Phil Anderson — Mon, 21 Mar 2022 05:00:00 +0000

High inflation, Brexit, Covid and the war in Ukraine have led to many people being nervous with their money. This week we look at various investment options including capital guaranteed products, structured deposits, cautious funds, gold and premium bonds.

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Ep 78 - Capital Gains Tax

Phil Anderson — Mon, 14 Mar 2022 05:00:00 +0000

We look at what Capital Gains Tax (CGT) is, allowances you have, and the rates at which tax is paid. We also look at ways a financial planner can help you plan for CGT.

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Ep 77 - 5 ways to cut your mortgage payments

Phil Anderson — Mon, 07 Mar 2022 05:00:00 +0000

John and Phil are joined by guest expert Jessica Keniwell from Accord mortgages to look at 5 ways to cut your mortgage payments.

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Ep 76 - 7 financial questions you should be able to answer

Phil Anderson — Mon, 28 Feb 2022 05:00:00 +0000

On the podcast this week Phil and John look at various questions you should know about your financial situation. This episode covers a host of things including financial goals, disposable income, your retirement plans and also asks if your family would know what to do if you were to die.

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Ep 75 - Home Insurance: Getting to grips with the basics

Phil Anderson — Mon, 21 Feb 2022 09:00:00 +0000

This week we look at buildings and contents insurance. During this podcast we look at why price isn’t the most important factor when taking out cover and we also look at added extras such as home emergency cover, legal expenses and personal possessions away from the home.

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Ep 74 - Cash ISA vs Stocks & Shares ISA

Phil Anderson — Mon, 14 Feb 2022 05:00:00 +0000

With ISA season upon us again, Phil and John look at whether you should invest in a cash ISA, stocks and shares ISA, or a combination of both.

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Ep 73 - The financial repercussions of getting married

Phil Anderson — Mon, 07 Feb 2022 05:00:00 +0000

On this podcast episode we look at things to consider when getting married. Phil and John look at wills, prenuptial agreements, the marriage allowance, spousal exemption and post nuptial agreements.

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Ep 72 - How parents can help their children onto the property ladder

Phil Anderson — Mon, 31 Jan 2022 05:00:00 +0000

Rising house prices have made it difficult for many first-time buyers to buy a home. On this podcast we look at ways you can help your children out from gifts to raising money against your own property. We also look at joint borrower, sole proprietor mortgages and also cover guarantor mortgages.

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Ep 71 - The 5 most Googled questions about mortgages, answered

Phil Anderson — Mon, 24 Jan 2022 05:00:00 +0000

This week Phil answers the most asked questions people ask about mortgages on Google. This includes what is a mortgage, how much can I borrow, and what is equity release?

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Ep 70 - Sorting out your mortgage during a divorce

Phil Anderson — Mon, 17 Jan 2022 05:00:00 +0000

January is historically a month where separations and divorce proceedings commencing often increase. In this episode we look at options such as selling up and moving home, and re-mortgaging to raise funds to buy the other party out.

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Ep 69 - How to teach kids about money

Phil Anderson — Mon, 10 Jan 2022 05:00:00 +0000

We look at why it is important to teach children about money and discuss the ways you can do this. Kids who do better with money tend to have parents who talk to them about this and give them responsibilities for spending and saving from an early age.

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Ep 68 - Buy to let

Phil Anderson — Mon, 03 Jan 2022 05:00:00 +0000

This week on the podcast we look at buying a property to let out. We cover things such as taxation, mortgage options, and options for using a limited company to do this.

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Ep 67 - Your financial plans for 2022

Phil Anderson — Mon, 20 Dec 2021 05:00:00 +0000

We look at goal setting for the year ahead and discuss the sort of short-term financial goals you can aim for in 2022. Phil also shares some exercises and tips to help you achieve what you desire.

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Ep 66 - 5 questions to ask before you invest

Phil Anderson — Mon, 13 Dec 2021 05:00:00 +0000

When you make any investment it is important to understand what you are getting in to. This week we look at questions to ask before you invest in something and cover areas such as investment risk, accessibility and consumer protection.

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Ep 65 - Reviewing your mortgage

Phil Anderson — Mon, 06 Dec 2021 05:00:00 +0000

On this podcast Phil and John look at when to review your mortgage and the options available. They look at options for re-mortgaging, along with trying to get a better deal from your current lender.

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Ep 64 - 13 ways to market your property and achieve a quick sale

Phil Anderson — Mon, 29 Nov 2021 05:00:00 +0000

Guest expert Tony Lister from Remax Elite Inverness joins us this week to share his 13 steps to market your property and achieve a quick sale. Tony discusses photos, virtual tours, floor plans, online portals and print media among other things as he shares his top tips.

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Ep 63 - How to keep Christmas costs down

Phil Anderson — Mon, 22 Nov 2021 05:00:00 +0000

For many people Christmas seems to get more expensive every year. This week Phil and John look at ways to reduce your Christmas spend this year. Some areas that are discussed on this week’s show include toys, food, Christmas trees and travel costs.

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Ep 62 - Investing in uncertain times

Phil Anderson — Mon, 15 Nov 2021 05:00:00 +0000

In the last few years we have had market turbulence prompted by Brexit uncertainty and further market volatility due to the COVID-19 pandemic. This often prompts investors to question whether now is a good time to invest or to remain invested. On this podcast we look at investing in uncertain times.

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Ep 61 - Banking

Phil Anderson — Mon, 08 Nov 2021 05:00:00 +0000

With many local banks closing we look at various ways you can bank and also look at the different types of accounts available. We also look at everyday banking at the Post Office.

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Ep 60 - Starting up a new business

Phil Anderson — Mon, 01 Nov 2021 05:00:00 +0000

Over the last year we have seen many people look at setting up a new business. For some this has been forced by the pandemic and for others it is because they want their destiny to be in their own hands. We look at the various types of business you can set up and look at finance options, taxation and support for starting your new venture.

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Ep 59 - How do I trace a lost pension?

Phil Anderson — Mon, 25 Oct 2021 05:00:00 +0000

This week we are once again joined by guest expert Robert Cochran from Scottish Widows. With people changing jobs and moving home more frequently it can be difficult to keep track of all your pensions. We look at how to track down your old pension plans.

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Ep 58 - Workplace Pensions

Phil Anderson — Mon, 18 Oct 2021 05:00:00 +0000

Joining us on the podcast this week is Robert Cochran who is a retirement expert with Scottish Widows. We look at workplace pensions and look at how they work, how much gets paid in and when you can access these.

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Ep 57 - Leaving money to your loved ones

Phil Anderson — Mon, 11 Oct 2021 05:00:00 +0000

If you want to make sure the people you love are provided for after you’re gone, you’ll need to start making a plan. We look at the benefits of planning early and also touch on wills, setting up a Power of Attorney, knowing who stands to inherit your pension, and speaking to your loved ones about your plans.

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Ep 56 - Financial goal setting

Phil Anderson — Mon, 04 Oct 2021 05:00:00 +0000

Phil shares some of his top tips for financial goal setting. In this podcast we look at the importance of setting goals, planning and achieving your desired goals. We discuss various financial goals including paying off your mortgage early, buying that dream car and retirement goals.

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Ep 55 - Becoming a parent

Phil Anderson — Mon, 27 Sep 2021 05:00:00 +0000

We look at some of the costs you will incur when you start a family. We also look at budgeting, maternity leave and pay, paternity leave and pay, along with child benefit and other help. We also touch on how your pension can be impacted and briefly look at life insurance, wills, and children's savings accounts.

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Ep 54 - Pensions and divorce

Phil Anderson — Mon, 20 Sep 2021 05:00:00 +0000

According to Legal & General only 3% of people seek financial advice as part of their divorce but doing so can help ensure the separation is more likely to be fair and equitable, leaving all parties in the best shape to pursue the next chapter in their lives. This week we discuss pension sharing, earmarking and offsetting.

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Ep 53 - How to get into financial services

Phil Anderson — Mon, 13 Sep 2021 05:00:00 +0000

If you have ever had thoughts about becoming a mortgage adviser or financial adviser then this episode is for you. Phil covers some of his journey and looks at the various ways to get into a career in financial services.

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Ep 52 - Buying and running a car

Phil Anderson — Mon, 06 Sep 2021 05:00:00 +0000

On the podcast this week we look at ways you can purchase a car. We look at the various finance options available and discuss shopping around for the best finance deals. We also look at the various costs in running a car and look at ways you can reduce your motoring costs.

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Ep 51 - Intergenerational financial planning

Phil Anderson — Mon, 30 Aug 2021 05:00:00 +0000

The baby boom generation now hold over half of all UK private wealth. In contrast, today’s younger generation face significant obstacles to accumulating wealth, due to high levels of student debt, expensive housing and the rising cost of saving for retirement. As a result, there has never been such a wide disparity in wealth distribution between the older and younger generations and the need for intergenerational financial planning is more relevant than ever before.

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Ep 50 - Sustainable and ethical investing

Phil Anderson — Mon, 23 Aug 2021 05:00:00 +0000

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.

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Ep 49 - Inheritance Tax

Phil Anderson — Mon, 16 Aug 2021 05:00:00 +0000

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.

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Ep 48 - Getting to grips with the basics of life insurance

Phil Anderson — Mon, 09 Aug 2021 05:00:00 +0000

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.

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Ep 47 - Premium bonds

Phil Anderson — Mon, 02 Aug 2021 05:00:00 +0000

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.

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Ep 46 - Credit unions

Phil Anderson — Mon, 26 Jul 2021 05:00:00 +0000

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.

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Ep 45 - Financial planning for teachers

Phil Anderson — Mon, 19 Jul 2021 05:00:00 +0000

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.

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Ep 44 - Your health is your wealth

Phil Anderson — Mon, 12 Jul 2021 05:00:00 +0000

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.

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Ep 43 - Saving for Christmas

Phil Anderson — Mon, 05 Jul 2021 05:00:00 +0000

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.

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Ep 42 - Could you survive without an income?

Phil Anderson — Mon, 28 Jun 2021 05:00:00 +0000

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?”

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Ep 41 - Annuities

Phil Anderson — Mon, 21 Jun 2021 05:00:00 +0000

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.

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Ep 40 - Should you manage your finances jointly or individually

Phil Anderson — Mon, 14 Jun 2021 05:00:00 +0000

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.

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Ep 39 - Planning to retire in 2021

Phil Anderson — Mon, 07 Jun 2021 05:00:00 +0000

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.

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Ep 38 - Managing Your Debt

Phil Anderson — Mon, 31 May 2021 05:00:00 +0000

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.

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Ep 37 - Self-build mortgages

Phil Anderson — Mon, 24 May 2021 05:00:00 +0000

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.

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Ep 36 - Why it’s a good idea to have an emergency fund

Phil Anderson — Mon, 17 May 2021 05:00:00 +0000

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.

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Ep 35 - Secured loans

Phil Anderson — Mon, 10 May 2021 05:00:00 +0000

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.

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Ep 34 - Where to go with issues regarding financial matters

Phil Anderson — Mon, 03 May 2021 05:00:00 +0000

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.

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Ep 33 - Things to do when moving home

Phil Anderson — Mon, 26 Apr 2021 05:00:00 +0000

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.

Ep 32 - A quick guide to Powers of Attorney

Phil Anderson — Mon, 19 Apr 2021 05:00:00 +0000

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

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Ep 31 - Should you combine your pensions?

Phil Anderson — Mon, 12 Apr 2021 05:00:00 +0000

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.

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Ep 30 - Should you buy or rent a home?

Phil Anderson — Mon, 05 Apr 2021 05:00:00 +0000

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.

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Ep 29 - Investing in Property: The good, the bad and the ugly

Phil Anderson — Mon, 29 Mar 2021 05:00:00 +0000

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.

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Ep 28 - Mortgages for the over 55s

Phil Anderson — Mon, 22 Mar 2021 09:00:00 +0000

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.

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Ep 27 - Saving money for a holiday

Phil Anderson — Mon, 15 Mar 2021 09:00:00 +0000

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.

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Ep 26 - Schemes to help you buy a home in Scotland

Phil Anderson — Mon, 08 Mar 2021 09:00:00 +0000

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).

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Ep 25 - How much can I borrow on a mortgage?

Phil Anderson — Mon, 01 Mar 2021 09:00:00 +0000

One of the most asked questions by people looking to get a mortgage is how much can I borrow? We look at how lenders assess a mortgage application and cover the things that impact on how much you can borrow.

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Ep 24 - Choosing a financial adviser

Phil Anderson — Mon, 22 Feb 2021 09:00:00 +0000

If you need professional help with your finances we look at the things to consider when choosing a financial adviser. We look at how an adviser can help you and where you can find one.

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Ep 23 - Tax Planning

Phil Anderson — Mon, 15 Feb 2021 09:00:00 +0000

We look at taxation basics and cover tax bands, tax free savings, pensions and inheritance tax.

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Ep 22 - All you need to know about ISAs

Phil Anderson — Mon, 08 Feb 2021 09:00:00 +0000

ISA season is almost upon us again. This week we look at the benefits of ISA’s and the different types of tax free savings options available.

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Ep 21 - An introduction to long term care

Phil Anderson — Mon, 01 Feb 2021 09:00:00 +0000

People are living longer and our chances of requiring long-term care is increasing. We look at how you are assessed for care costs, how to plan for it and tips to reduce what you need to contribute towards it.

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Ep 20 - Tips to improve your credit score and credit rating

Phil Anderson — Mon, 25 Jan 2021 09:00:00 +0000

All you need to know about getting a better credit rating and increasing your odds on obtaining credit at the best terms available to you.

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Ep 19 - Clearing Christmas Debts

Phil Anderson — Mon, 18 Jan 2021 09:00:00 +0000

In this week's show we look at the options available to reduce your debt after Christmas. We cover areas such as remortgaging, further advances, personal loans and credit card balance transfers.

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In this week's show we look at the options available to reduce your debt after Christmas. We cover areas such as remortgaging, further advances, personal loans and credit card balance transfers.

Ep 18 - Reviewing your finances if you are recently divorced or separated

Phil Anderson — Mon, 11 Jan 2021 09:00:00 +0000

January is traditionally one of the busiest months of the year for people separating and starting divorce proceedings. We cover some of the things to look at financially if you are in this position.

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Ep 17 - How to save money on your bills

Phil Anderson — Mon, 04 Jan 2021 09:00:00 +0000

Christmas can often be a very expensive time of the year which is why we are starting off 2021 with tips on how you can reduce your outgoings.

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Ep 16 - Getting ready to take out a mortgage

Phil Anderson — Mon, 21 Dec 2020 09:00:00 +0000

Your first port of call should be getting your finances in good shape before lenders review them and assess your ability to make repayments on your loan. Some top tips for standing yourself in good stead include checking your credit score and getting some good advice.

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Ep 15 - Green Mortgages

Phil Anderson — Mon, 14 Dec 2020 09:00:00 +0000

As people become more environmentally aware we look at the relatively new concept of “Green” 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 can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individually tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.

Ep 14 - Nae will…nae wise

Phil Anderson — Mon, 07 Dec 2020 09:00:00 +0000

This episode looks at why you should make a will and how go to make one. We also look at what happens if you die without a will.

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Ep 13 - Funeral Plans

Phil Anderson — Mon, 30 Nov 2020 09:00:00 +0000

We look at pre-paid funeral plans and discuss the pros and cons of them, who does them and things to watch out for when considering one.

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What to do when someone dies

Phil Anderson — Mon, 23 Nov 2020 09:00:00 +0000

When someone passes away it is never easy. In this episode we share some of the things to do in the days and weeks after someone dies.

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Scam and Scammers!

Phil Anderson — Mon, 16 Nov 2020 10:20:00 +0000

Scammers never tire from stealing money. Recently there has been an increase in scams taking advantage of the COVID-19 crisis. We look at ways you can spot the warning signs.

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Do I really need financial advice at retirement?

Phil Anderson — Mon, 09 Nov 2020 06:00:00 +0000

Since pension freedoms were introduced people now have much more options with their pension pot at retirement. Here we cover areas like withdrawing money from your pension, tax implications and we also discuss some of the options you have with your pension pots.

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Protecting your home from the winter weather

Phil Anderson — Mon, 02 Nov 2020 06:00:00 +0000

Every winter, freezing temperatures catch people out. Prevention is better than cure and now is the time to take a few simple steps to reduce the risk of facing the trauma of frozen or burst pipes this winter. We look at steps you can take to protect your home over the coming months.

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7 things you didn’t know a financial adviser can do for you

Phil Anderson — Mon, 26 Oct 2020 06:00:00 +0000

Many people don’t know what a financial adviser does. This episode explains some of the areas and things that financial advisers can help you with that you might not know about.

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Life Insurance on an ex-spouse or partner

Phil Anderson — Mon, 19 Oct 2020 06:00:00 +0000

We cover the importance of having life insurance on an ex-spouse or partner. This is an often overlooked area especially when children are involved.

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Pensions Vs ISAs

Phil Anderson — Mon, 12 Oct 2020 06:00:00 +0000

A common question people have is should they invest in a pension or an individual savings account (ISA). This episode explores the differences between pensions and ISA’s. It also looks at the pros and cons of each savings vehicle.

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Your pension options at retirement