Fund Your Retirement Podcast

Financial Literacy with Andrew Craig. In part two, Andrew delves deep into what is the real cause of inflation and the cost of living crisis. Andrew also shares a brief history of the pension system and what has gone wrong with the government pension system to date, and why should not rely on it for your future financial security. The conversation starts by looking at the flaws in the system before moving on to a brighter future than many realise, from the growth of the stock market, the long tail of the internet that we are now witnessing, and new emerging technologies. Andrew believes the reason so many people struggle financially is, simply, because they have never learned enough about money or financial markets. After working for many years in the finance industry Andrew realised there was a significant disconnect between the wealth of an individual and the level of financial education they had, so he set up Plain English Finance in 2011 because of one simple truth: Understanding finance is the single most important factor for your financial success. Since then Andrew has authored two best sellers How To Own The World, and Live on Less and Invest the Rest. You can buy either from Amazon or through Andrews website here: https://plainenglishfinance.co.uk/ You can listen to part one here: https://www.fundyourretirement.com/podcasts/fyr059-andrew-craig-how-financial-literacy-can-make-you-wealthy/ Timestamps 0:00 to 1:25 Introduction 1:26 to 5:30 The history, and the current state of western government pensions. 5:31 to 10:19 Will the future be Star Trek or Mad Max? 10:20 to 18:25 What is causing record-high inflation? 18:26 to 21:09 Modern monetary theory (MMT) and the Levels of UK government debt. 21:10 to 25:10 The solution is tech, bio-tech and individual responsibility. 25:11 to 29:00 The longtail of the internet is only just beginning. 29:01 to 34:25 The importance of Gold, commodities, and sound money. 34:26 to 36:30 Where you can follow, connect and learn more from Andrew Craig. 36:31 to 37:09 Wrap up. Hope you enjoy and have a wonderful day. The FYR team. Guest Links & Resources: Visit Plain English Finance: https://plainenglishfinance.co.uk/ Follow Andrew on Twitter: https://twitter.com/pef_uk Visit Fund Your Retirement: https://www.fundyourretirement.com/ Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions.

Financial Literacy with Andrew Craig, Part 1.  Andrew is an ex-investment banker, founder of plain English finance, and author of Amazon best-sellers, How to own the world and live on less, invest the rest. Andrew believes the reason so many people struggle financially is, very simply, because they have never learned enough about money or financial markets. After working for many years in the finance industry Andrew realised there was a significant disconnect between the wealth of an individual and the level of financial education they had, so he set up Plain English Finance in 2011 because of one simple truth: Understanding finance is the single most important factor for your financial success. Part two will be published in a few days. Timestamps: 0:00 to 2:20 Introduction. 2:21 to 9:45 Andrew Craig's story and journey so far. 9:46 to 12:35 Andrew's plan and vision for Plain English Finance. 12:36 to 14:08 Launching a diversified defensive fund and a biotech fund. 14:09 to 15:10 Thinking about risk and your age when investing. 15:11 to 18:32 Leveraging the stock market to build wealth. 18:33 to 23:05 Investing vs trading and life lessons. 23:05 to 27:44 Saving, investing, and the power of financial literacy. 27:45 to 29:45 Final words, leading into part two of the conversation. Hope you enjoy and have a wonderful day. The FYR team. Guest Links & Resources: Visit Plain English Finance: https://plainenglishfinance.co.uk/ Follow Andrew on Twitter: https://twitter.com/pef_uk Visit Fund Your Retirement: https://www.fundyourretirement.com/  Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions.

Maynard Paton is a Former share tipster and investment writer for the Motley Fool and has been investing in shares for 25+ years, becoming mortgage-free at 40 and leaving 9-5 working at age 43. Maynard is a well-known investor in the UK small-cap arena and shares some great insights about his own strategy he calls RAMP which stands for respectability at a modest price.   Maynard is here to talk about his investing approach and philosophy, inflation, and how beginner investors can get started building their investment portfolios. Maynard now spends his time researching investment ideas and writing for his blog website which he started as a way to assess his investment ideas by clarifying his thoughts and investment thesis. Timestamps: 0:00 to 2:50 Introduction 2:51 to 9:34 Maynard’s investing journey, and experience. 9:35 to 14:00 Maynard’s investing strategy RAMP, respectability at a modest price. 14:01 to 15:44 Marketing timing, when to sell or not to sell? 15:45 to 17:41 The difference between market gains between the small-cap sector and FTSE 100. 17:42 to 19:30 Why Maynard focuses on the UK share market only. 19:31 to 22:15 Where beginner investors should start off. 22:16 to 26:30 Maynard shares a great example of pound cost averaging. 26:31 to 28:05 Maynard shares why he set up a pension for his son when he was two years old. 28:06 to 37:00 How Maynard deals with the media negativity and volatility of the markets. 38:20 to 41:20 Maynard’s thoughts on crypto and NFT’s. 41:21 to 43:15 Maynard’s book recommendation. 43:16 to 43:56 Where you can follow and join Maynard’s newsletter. Hope you enjoy and have a wonderful day. The FYR team. Guest Links & Resources:   Visit Quality UK Investment Blog: https://maynardpaton.com/ Maynard’s FIRE Story: https://maynardpaton.com/my-story-to-becoming-mortgage-free-and-retiring-early/ Visit Fund Your Retirement: https://www.fundyourretirement.com/   Disclaimer: This presentation is for educational and entertainment purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. This information is being presented without understanding your specific circumstances or financial situation. If you need advice, please contact a qualified financial adviser, tax accountant, or an attorney, in your country before making any financial decisions.

Bethan Jepson is an award-winning entrepreneur who has grown multiple six-figure companies, from legal to recruitment and is now a partner with Allied global engineering where Bethan and her team acquire engineering businesses from retiring founders, having already acquired two businesses in the past 12 months that turn over £4.7 million. Bethan is here to talk about entrepreneurship and acquiring established businesses from retiring founders as a means of generating outsized returns. Bethan talks about her entrepreneurial journey, exploring different business ventures before coming across the idea of buying established, already successful engineering businesses with her Farther and business partner David Jepson. On top of all that Bethan is also the host of the Millionaire secrets podcast and founder of women in engineering, and the success circle network. Timestamps: 0:00 to 2:50 Introduction 2:51 to 14:30 Bethans background and extensive journey so far. 14:31 to 20:15 Exploring and developing new business ventures. 20:16 to 33:57 Taking the first steps towards buying an established business. 33:58 to 36:50  Buying established businesses from retiring founders 36:51 to 44:05 Why focus on buying engineering businesses. 44:06 to 48:17 Dealing with failed acquisitions. 48:18 to 51:15 What is the overall business acquisition plan? 51:16 to 58:05 Can private investors get involved as an extra source of income? 58:06 to 59:40 Where to follow and connect with Bethan Jepson Hope you enjoy and have a wonderful day. The FYR team. Guest Links & Resources: Bethan Jepson's Website: https://www.bethanjepson.com/ Allied Global Engineering https://www.alliedglobalengineering.com/ Success Circle Network: https://www.facebook.com/groups/successcirclenetwork Bethan Jepson LinkedIn: https://www.linkedin.com/in/bethan-jepson/ Disclaimer: This presentation is for educational and entertainment purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. This information is being presented without understanding your specific circumstances or financial situation. If you need advice, please contact a qualified financial adviser, tax accountant, or an attorney, in your country before making any financial decisions.

Oliver MacDonald is a pension expert who helps many businesses & their employees understand workplace pensions. Many pay into a pension and have no idea where that money goes or how their future retirement might look. Oliver helps those businesses communicate the importance of their workplace pension and how this contributes to their overall retirement planning and well-being. Oliver explains the basics everyone needs to know. Oliver is an independent financial adviser, director & owner of Engage wealth management. Oliver also helps individuals with all aspects of financial planning including retirement, protection, and Inheritance Tax planning. Time Stamps: 0:00 to 2:55 Introduction. 0:256 to 8:35 Oliver’s career journey and experience so far. 8:36 to 12:50 Defining what a pension is? 12:51 to 18:20 The difference between a defined benefit pension and a defined contribution pension. 18:21 to 24:40 The importance of understating pension contributions. 24:41 to 28:00 Working with the employer on workplace pensions for their employees. 28:01 to 36:30 Where do your pension contributions go? 36:31 to 39:36 Myth-busting - It's not worth putting into a pension these days. 39:37 to 42:47 Myth-busting - Well if I die, the pension goes with me. 42:48 to 44:22 Where to connect and follow Oliver. Hope you enjoyed the episode, and have a wonderful day. The FYR team. If you like the episode, please subscribe t for weekly updates and insights, and don’t forget to hit the share button. Guest Links & Resources: Visit Engage Wealth Management: https://engagewm.co.uk/ Contact Oliver here: https://engagewm.co.uk/contact-us/ Connect & Follow Oliver on Facebook: https://www.facebook.com/engagewealthmanagement/ Follow Engage on Twitter: https://twitter.com/engage_wealth Visit Fund Your Retirement: https://www.fundyourretirement.com/   Disclaimer: This presentation is for educational and entertainment purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. This information is being presented without understanding your specific circumstances or financial situation. If you need advice, please contact a qualified financial adviser, tax accountant, or an attorney, in your country before making any financial decisions.

Dominic shares his passion, knowledge, and insights from helping people achieve the goal of funding their retirement with clarity and confidence over his 15-year career. Dominic believes in combining the financial plan with the most suitable wealth engine that suits your circumstances so you can retire with clarity and confidence. Dominic McLoughney is a Charted financial planner and Director at Becketts wealth management services. Dominic is very passionate about his job and the role he provides for his clients as you will see through the interview. Timestamps: 0:00 to 2:51 Introduction. 2:52 to 5:47 Beckett's wealth becomes a finalist in the red rose award. 5:48 to 10:50 Dominic’s, background, journey, and experience. 10:51 to 14:18 A significant rise in people requesting a financial plan. 14:19 to 20:40 Dominic shares in detail what a financial plan is and its benefits. 20:41 to 26:15 How Dominic approaches the wealth engine that drives the plan. 26:16 to 29:00 The pitfalls of social media and self-directed investing. 29:01 to 31:30 The changes in the financial planning industry since 2006. 31:32 to 32:30 Where you can follow and connect with Dominic Hope you enjoy and have a wonderful day. The FYR team. If you like this episode, please subscribe to our podcast for weekly updates and insights, and don’t forget to hit the like button. Guest Links & Resources: Visit Becketts Website & book an appointment: https://www.beckettsfs.co.uk/ Connect with Domonic on LinkedIn: https://www.linkedin.com/in/dominic-mcloughney-50148417/ Email Dominic: dominicm@beckettsfs.co.uk Follow Becketts on Twitter: https://twitter.com/beckettsfs Visit Fund Your Retirement: https://www.fundyourretirement.com/ Disclaimer: This presentation is for educational and entertainment purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. This information is being presented without understanding your specific circumstances or financial situation. If you need advice, please contact a qualified financial adviser, tax accountant, or an attorney, in your country before making any financial decisions.  

Chip Stites is back with us to share his knowledge on how to get started with dividend investing. Chip, a retired financial adviser shares his six-step process of how he selects dividend-paying stocks for his retirement portfolio. Chip shares how his investments have changed over his 40-year investing career to where he is today retired living in Italy and managing his portfolio of dividend-paying stocks. Chip is a retired financial adviser so there is no one better placed, to share the key insights on how to manage your finances leading up to retirement, preparing your finances for the transition, and then how to manage them in retirement. Timestamps: 0:00 to 2:35 Introduction 2:36 to 10:20 How Chip’s investments have changed over his 40-year investing career. 10:21 to 13:01 Chip’s retirement future proof formula. 13:02 to 18:20 Chip’s six-step process for buying dividend-paying stocks. 18:21 to 21:30 Taking dividends vs drawing down. 21:32 to 26:05 Value style dividend investing vs growth stocks. 26:06 to 30:24 How does a portfolio of dividend stocks fair in a crash environment. 30:25 to 33:10 Chips key message with the benefit of hindsight. 33:11 to 35:01 Where you can follow and connect with chip. Hope you enjoy and have a wonderful day. The FYR team. If you like the episode, please subscribe to our podcast for weekly updates and insights, and don’t forget to the share like button. Guest Links & Resources: The Laughing Retirement Website: https://thelaughingretirement.com/ Join The Laughing Retirement Facebook Page: https://www.facebook.com/groups/1344785725891444 Chip Stites Calendly booking link: https://calendly.com/info-tlr-48 Visit Fund Your Retirement: https://www.fundyourretirement.com/   Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions.

Neil believes in simplifying financial advice, transparency, and putting the client first. During this podcast conversation, Neil shares how the role of an IFA has changed over the years leading Neil to decide to become a regulated advisor having seen the industry change for the better which he shares in this conversation. Neil has a wide range of clients from as young as their early 20s to late 80s and believes that obtaining regulated advice should be available for all. Neil Young is an independent financial adviser in the UK. Time Stamps: 0:00 to 1:40 Introduction. 1:41 to 3:25 Neil Young’s story and journey so far. 3:26 to 5:45 The shifting role of a financial planner. 5:46 to 7:40 RDR regulations and qualifications that are required. 7:41 to 10:50 Helping to close the advice gap. 10:51 to 12:10 Serving a wide range of clients. 12:11 to 16:40 Creating the financial plan for Neil’s clients. 16:41 to 21:00 Helping people retire with confidence. 21:01 to 24:21 Where the financial planning industry is trending towards. 24:22 to 25:30 Busting the myths of financial advisers 25:31 to 27:04 Where you can follow and connect with Neil Hope you enjoy and have a wonderful day. If you like this episode, please subscribe for weekly updates and insights. The FYR team. Guest Links & Resources: Plan with Neil Website: https://planwithneil.com/ Neil Young LinkedIn Profile: https://www.linkedin.com/in/neil-young-0b250ab1/ Visit Fund Your Retirement: https://www.fundyourretirement.com/ Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions.

Today I am joined by Matt Angell, director and financial planner of Creative Lifestyle Planning. Matt is a financial planner, qualified financial coach, and mentor with a focus on lifestyle financial planning. Matt is part of a new wave of financial planners who helps their clients not just fund their retirement, but also find happiness and peace of mind before, and after they retire. Timestamps: 0:00 to 1:55 Introduction 1:56 to 8:54 Matt Angell’s story and journey. 8:55 to 15:14 Why Matt started Creative Lifestyle Planning? 15:13 to 18:00 How the financial planning industry has changed over the last 10 years. 18:01 to 19:10 Where Matt sees the financial planning industry heading in the next 10 years. 19:11 to 21:55 The challenges future retirees face. 21:56 to 24:21 Questions to ask when looking for a financial planner to work with. 24:22 to 28:30 The difference between a financial planner and a financial coach. 28:31 to 32:00 How Matt is helping the younger generation with their financial planning. 32:01 to 33:50 Financial planning myths busted. 33:51 to 34:55 Where to  follow and connect with Matt Angell Hope you enjoy and have a wonderful day. The FYR team. If you like this episode, please subscribe for weekly updates and insights. Guest Links & Resources: Matt Angell Twitter Profile: https://twitter.com/creativeLPLtd1 Matt Angell Linkedin Profile: https://www.linkedin.com/in/matt-angell-0508a21b/ Creative Lifestyle Planning Website: https://creativelifestyleplanning.com/ Visit Fund Your Retirement: https://www.fundyourretirement.com/ Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions.

Mark Atkinson is a self-directed private investor who achieved financial independence at the young age of 53, Mark isn’t an ex-corporate CEO, he didn’t exit a multi-million-pound business, nor did he inherit millions or win the lottery. Mark quite simply saved and invested those savings into the stock market over his 30-year working career. Mark shares what sparked his earliest interest in the stock market. How he screens for stocks, how long he holds them through the good and the bad times and shares his insights over his 30 years of experience investing in the stock market. Mark now enjoys traveling with his wife, managing his portfolio, and enjoying the freedom that financial independence brings. Timestamps: 0:00 to 2:50 Introduction. 2:51 to 9:15 Marks investing story and journey. 9:16 to 12:05 How Mark developed his investing methodology over the years. 12:05 to 18:20 What Mark looks for when investing in a company. 18:21 to 19:35 How many stocks does Mark holds in his portfolio and for how long. 19:36 to 25:35 How Mark deals with the fear of losses in the stock market. 25:36 to 31:20 How Mark managed the transition from employee to becoming free. 31:21 to 35:40 Marks advice for getting started on the investing journey. 35:41 to 36:47 Closing thoughts and wrap up. Hope you enjoy and have a wonderful day. If you like the episode, please subscribe to our show for weekly updates and insights. The FYR team. Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions.