The Retirement Café Podcast

The episodes of regular people telling us about their life in retirement have proven to be very popular. One of our very first episodes – number 4 in fact – of my conversation with clients and friends Nick and Debbie Taylor telling us what makes for a successful retirement for them, continues to be one of our most downloaded episodes.

So today we're going to hear the story - so far - of another client and friend – Lindsey Froud.

Lindsey spent some years living in the Middle East before returning to the UK a few years ago. At this point, she decided to semi-retire at quite an early age. She shares with us today the importance of keeping working – on her terms, and why she tries to do something she's never done before every month.

Sadly, since we recorded this episode Lindsey's mother has passed away, so my sympathies go out to Lindsey and her family.

I am delighted to welcome Professor Keith Brown back to the podcast.

Keith is a government adviser on mental capacity as well as adult care and safeguarding. To that end Professor Brown sits on the Department of Health Adult Safeguarding Advisory Board and appeared in episode 89 just a few weeks ago to explain more about mental capacity.

Keith also leads the national research into financial fraud and scams and joins me to share his very personal story of how his own mother's experience made him so passionate about helping protect older people from the growing prevalence of financial scams.

Professor Brown explains that whilst anyone can become a victim of financial fraud, isolation and loneliness are the biggest indicators and what practical steps we can all take to protect ourselves and our loved ones.

This week's episode is a little different. I'd like to share with you a conversation I had during lockdown with a friend of mine, Jeremy Nicholas.

By profession, Jeremy is a writer and broadcaster with nearly three decades of experience on TV and radio, mainly with the BBC. But Jeremy has funny bones. So he has built a business as the man who puts serious laughs in serious talks.

In essence, he helps people make all sorts of presentations entertaining and engaging. I am sure that you can imagine how life in lockdown for someone whose business is about international public speaking and after-dinner talks has been somewhat different.

Jeremy shares his story of being grounded and his story of being the voice of FIFA for 11 seasons!

I hope you really enjoy my conversation with Jeremy, as much as I did.

From my experience helping people retire successfully, I would say there is still a tendency for the man in a relationship to lead discussions about money.

Now, that's not always the case, and I'm sure the situation is changing among the younger generations.

But that was certainly the case for my wife's parents, and in fact my mother-in-law, Anne, talks about the challenge she faced getting to grips with money matters after her husband died in episode 21 of the podcast. Take a listen when you have a moment, as it's a great personal story.

So, I thought it would be interesting to create a series of episodes about women and wealth, starting with my conversation today with Mary Waring.

Mary is an award-winning chartered financial planner and chartered accountant who helps women to be financially confident and independent.

She specialises in supporting women through and after divorce but is recognised as being a leading light in all aspects of female finances.

The title of today's episode – The Menopausal Mermaids – is possibly quite intriguing. To explain further I'd like to share with you a conversation I had with sea swimmer Nicole Morelli towards the end of April.

Nicole joined me from Portrush, which is a small seaside town built along a mile long peninsula on the north coast of County Antrim, Northern Ireland.

She is the founder of a sea swimming group called the Menopausal Mermaids and shares her story of why she created the group and what you can expect if you decide to take the plunge with Nicole and her fellow cold water swimmers.

Take a listen here on episode 090 of The Retirement Café Podcast.

Professor Keith Brown has spent a lifetime in the medical profession. Starting his career in paediatrics, Keith headed up the paediatrics intensive care unit at St. George's Hospital in London. After a number of years he moved into academia and for the past 20 years he has led the National Centre for Post-Qualifying Social Work and Professional Practice (NCPQSW).

Keith specialises in in mental health, mental capacity and the care and safeguarding of older persons. He also sits on a number of government advisory boards and has been called upon to provide guidance during the COVID-19 pandemic:

Professor Brown wrote the national guidance on Next of Kin and Lasting Powers of Attorney, as well as the national guidance on Advanced Decision to Refuse Treatment.

In the first of two interviews, we chat about mental capacity, the role of the next of kin, lasting powers of attorney and how to ensure your wishes are followed in the event of tragedy at any stage of life.

It's a fascinating conversation with one of the most qualified professionals in the UK, so why not listen here on episode 089 of The Retirement Café Podcast.

I always love to hear your personal stories of transitioning into retirement, so I was delighted when listener Mary Dixon suggested her brother, John Bonney as a podcast guest.

In late May I spoke with John and asked him about his long career in the fire brigade, which culminated in him being chief of Hampshire Fire and Rescue Service for 11 years.

During this time, he also served as President of his professional body and in 2015 he was honoured with a CBE in recognition of his service to the public.

On leaving the fire service after 33 years, instead of heading into retirement, John embarked on new business challenges that fulfilled his ambition of combining work and travel.

John shares his story of how he transitioned successfully from a very high status role at work to being the ex-Fire Chief. He explains how having the right mindset allowed him to adapt and shares his tips on making a smooth transition to the next stage of life.

It's a fascinating conversation, so why not listen here on episode 088 of The Retirement Café Podcast.

Sir Steve Webb is a renowned pensions commentator who served for 18 years as a Member of Parliament between 1997 and 2015, during which time he was Pensions Minister in the coalition government of David Cameron for 5 years.

During his time at DWP he oversaw the successful implementation of automatic enrolment, helped design and legislate for the new State Pension and played a key role in the 'pension freedoms' introduced in 2015.

Steve joins me to talk about all things pensions and in this episode we hone in on the history of the State Pension, changes implemented by Steve whilst in government, the challenges we all face when getting information about our State Pensions and Steve's recent report that explores whether thousands of older women being short-changed on their State Pension.

Steve explains who may be affected and what you can do if you think you are being short-changed.

It's a highly informative conversation, so why not listen here on episode 087 of The Retirement Café Podcast.

The Open University is 51 years old and continues to pursue its mission of being open to people, to places to methods and to ideas. It's openness comes from enabling people to access study very flexibly, without any entry requirements.

For many people, learning a new skill or studying something that's always been of interest is a really important part of what makes for a successful retirement.

So I am delighted to welcome Dr Liz Marr, Pro Vice Chancellor for students at the Open University, to the podcast.

We chat about what the OU offers, to whom and how to get involved. There is a vast array of free content available on the Open Learn website and there are even virtual microscopes to study in virtual laboratories for Science qualifications!

Liz was herself a mature student and has over thirty years' experience in UK higher education – in teaching, student support and partnership work. She is also co-author (with Rachel Forsyth) of 'Identity Crisis: Teaching in Higher Education in the 21st Century'.

It's a fascinating conversation, so why not listen here on episode 086 of The Retirement Café Podcast.

Simonne Gnessen helps people navigate the journey of their personal financial life.

As a money coach and a financial life planner with a company called Wise Monkey Financial Coaching, Simonne helps people build better relationships with money to feel more confident and in control of their finances.

She is also co-author of Sheconomics.

Simonne joined me to chat about the work she does, the ways in which she has helped a number of clients and the benefits people have experienced in their financial – and broader – lives.

She brings a range of expertise from non-regulated financial planning, life planning and coaching and is also now working with previous guest Chris Budd on a wellbeing initiative.

Listen here on episode 085 of The Retirement Café Podcast.

I am really pleased to share with you this week my conversation with emotional intelligence coach and author, Anne Beaulieu.

Emotional intelligence is term you may be very familiar with, but for many of us, it's a term that's often misunderstood.

Anne explains how she discovered the importance of emotional intelligence in her life and how she now helps others to appreciate how high EQ can help them become more contented, fulfilled individuals.

She has worked a lot with women to remove the guilt and shame experienced as they build successful businesses, allowing them to build their business with passion, with focus and with intentionality.

Anne explains how we can help ourselves and our children or grandchildren to understand our relationship with money and how that influences our behaviours. It's a fascinating discussion about the impact our money experiences and associated feelings have upon how we interact with loved ones and treat ourselves.

Listen here on episode 084 of The Retirement Café Podcast.

Passing on our wealth and our assets to our loved ones is an important part of retirement planning, and one we've discussed on the podcast before.

In episode 59 I spoke with Lisa Snyder from the Institute for Preparing Heirs about how to avoid the old adage of shirtsleeves to shirtsleeves in 3 generations and why this phenomenon comes about.

This week I am delighted to share with you a conversation I had recently with Amy Castoro who is President and CEO of the 'The Williams Group'.

We chatted about the importance of having family unity when it comes to planning how best to pass on our wealth and how to have the difficult conversations around money – especially in times of social distancing when face to face conversations become even more difficult.

Listen here on episode 083 of The Retirement Café Podcast.

Heather Waring is on a mission to get 'One million women walking'.

She says that 'Walking makes her soul sing' and that she wants to help others experience the positive impact that walking has had upon her life.

In 2009 Heather founded the 'One million women walking' Facebook group and wants to get people connecting over a shared love of walking and ultimately talking about what walking gives to them.

Heather discovered the mental health benefits of walking after a difficult time in her life and wants others to experience the same benefits. She is also a coach, author and speaker.

We had our conversation in mid April during the coronavirus lockdown, so discussed the implications on walking during this challenging time.

Listen here on episode 082 of The Retirement Café Podcast.

With a great deal of uncertainty during the coronavirus pandemic, many people have unanswered questions concerning their finances, their retirement and life in general.

So we ran a series of virtual Retirement Café coffee mornings and invited special guests to share their expertise to help people feel more informed at this challenging time.

On 1st May I welcomed New York Times' columnist and author Carl Richards. Through his simple sketches, Carl makes complex financial concepts easy to understand.

Carl shared his story, how 'The Sketch Guy' column arose and why his simple sketches are so powerful.

Carl has learned that our coded behaviour often works against us in our financial lives and aims to help raise the profile of Real Financial Planners who act as guides to ensure their clients align their capital to what's most important to them.

He believes – like me – that planners should be there when the storm comes in to help investors navigate turbulent times and change routes if necessary, not defend an outdated map.

Listen here on episode 081 of The Retirement Café Podcast or watch the whole video on You Tube.

Have you ever considered travelling solo? Maybe you're a dab hand at it and have been travelling alone for many years. Or maybe you're just considering taking your first trip.

It can feel daunting to take that first trip alone. Well help is on hand from Janice Waugh. Janice lives in Toronto and she is the go-to authority on the topic of solo travel.

In 2009 she founded Solo Traveler a website she conceived of based upon her own need for better information about travelling alone and she's here to tell us more about it.

She joins me to share her advice on what to consider when travelling solo, what to expect and steps you can take to depart with confidence.

Give-away

We also have a give-away of three free Wits and Wonders Travel Courses. The first 3 people to email us with the correct answer to this question will win:

What's the name of Lesson 2 in the course?

This is the second episode in our series on travelling. If you missed my chat with Gary Bembridge of Tips for Travellers you can listen here.

Listen here on episode 080 of The Retirement Café Podcast.

We all have behavioural biases that drive our values and guiding principles. These ultimately impact how we show up in the world and the decisions that we make.

Neil Bage is a specialist on the sub-conscious behaviours that drive our decisions and how to bridge complex theory with real world understanding.

He helps people understand what's going on inside their heads when they make decisions and is passionate about helping people make safe and informed financial decisions in particular.

Neil joined me at a recent Virtual Retirement Café coffee morning and I would like to share our conversation with you on the podcast to help you navigate the current landscape and any decision making you are facing.

Listen here on episode 080 of The Retirement Café Podcast.

I know that many of our clients enjoy their holidays, and in particular cruising, so I am delighted to welcome Gary Bembridge, author and founder of Tips for Travellers.

Gary has travelled every month of every year for the past 25 years. Since 2012 he has been exclusively focusing on creating travel content including videos, audio podcasts, books and articles – specialising in cruising.

Gary's Tips for Travellers YouTube channel averages 2.5 million views every month, his podcast has had over 1 million downloads and his award-winning blog receives 170,000 visitors a year.

Gary joined me to share insights from his vast experience of travelling and cruising across the globe. We also discussed the challenge for the travel industry during these uncertain times with the Covid-19 pandemic.

This is the first in our series on Travelling in retirement.

Listen here on episode 078 of The Retirement Café Podcast

I have chatted with a number of guests over the past 18 months about ageing well as it's a topic that I know many of our listeners are interested in.

This week's interview is with someone who has a profound interest in ways via which we can improve the health and quality of life outcomes in older adults.

Dr Jitka Vseteckova is a Senior Lecturer in the School of Health, Wellbeing and Social Care at the Open University. She is involved in a plethora of research projects and training courses, all focused on helping people stay healthy far into their retirement years.

Jitka talks about the impact exercise can have in putting the daily stress we experience in to perspective.

Against the backdrop of the Covid-19 pandemic, I thought it would be interesting to understand what steps older adults can take to stay fit and well at these challenging times.

Listen here on episode 077 of The Retirement Café Podcast

If you are a regular listener to the podcast – firstly, thank you for joining me again this week – and secondly, you will probably be aware that the podcast is sponsored by Timeline App.

Each week, I give a brief explanation of the TimelineApp software and how it helps financial planners like me bring your retirement journey to life and answer your big retirement income questions.

But Timelineapp really comes into its own at this time of high market volatility, so I am delighted to welcome back to the show today founder and CEO of Timelineapp, Abraham Okusanya.

I have known Abraham for a number of years and watched in admiration as he has continued to bring cutting-edge technologies to the financial advice market, become a published author and host the highly successful Science of Retirement Conference.

Abraham is here today to help us understand the current stock market performance as a result of the coronavirus and put it into the context of historical events over the past 100 years.

Listen here on episode 076 of The Retirement Café Podcast

A recent survey revealed that one of the biggest regrets for millions of people in Britain was not asking more about their parents' and grandparents' lives.

Bryher Scudamore found herself amongst these millions when her beloved mother, Peggy, died suddenly and unexpectedly from a heart attack. Reeling with the shock of realising her mother wasn't invincible, Bryher realised as she was going through Peggy's papers how much more there was to discover and desperately wished she had found out more during her mother's lifetime.

She vowed to try and help others to avoid making the same mistake and after 12 years' research at the age of 60, she founded autodotbiography.

Bryher – previously editor of 'That's Life!' and BBC Online – joins me to explain how autodotbiography makes it easy for everyone to create a beautiful account of their life story, for their family, one that will be treasured for generations to come.

Listen here on episode 075 of The Retirement Café Podcast

We've discussed the importance of finding purpose in retirement on a number of podcast episodes and today's guest seems to have done just that.

Since retiring three years ago, Mark Anness has become heavily involved in a charity dear to his heart. In our interview Mark shares the story behind his involvement in Myra's Wells and the inspirational work the charity does building wells for villages in rural Africa.

It was clear from our conversation that Mark gets a huge amount of satisfaction from working as Trustee.

Listen here on episode 074 of The Retirement Café Podcast

With a degree in Classics from Cambridge University, Rory Sutherland joined Ogilvy – one of the biggest global advertising agencies – as a graduate trainee in 1988. He worked as a copywriter and creative director for over 20 years, then became UK Vice Chairman in 2005.

He is one of the most influential advertising professionals in the world today.

As an expert in Behavioural Economics, Rory founded Ogilvy's 'behavioural science practice', where he works with psychologists to look for 'unseen opportunities' in consumer behaviour – the very small contextual changes which can have an enormous effects on the decisions people make.

He has delivered a number of TED Talks that have been viewed nearly 7 million times, and has published two books: The Wiki Man and Alchemy: The Surprising Power of Ideas which don't make Sense.

Rory joins me to chat about how the best ideas don't make rational sense: they make you feel more than they make you think.

Rory believes that the big problems we face every day could very well be solved by letting go of logic and embracing the irrational. He shares has vast experience from the world of advertising and how this applies to decisions that impact our retirement and our financial decision making.

Listen here on episode 073 of The Retirement Café Podcast

Our wonderful next door neighbour, Peggy, is 91 years young.

She joins me to share the experiences of her long life that have influenced how she lives today, in the second episode of our series about Longevity and Retirement.

Peggy grew up on a farm, started work before turning 15 and married young. As a fitness fan, Peggy shares how keeping moving has helped her stay fit and well. She still does her morning exercises – including the plank! – , looks after her own garden and walks everyday. Peggy was waterskiing into her 70s!

I ask Peggy about what she's experienced during her lifetime, how she's coping with the Coronavirus outbreak and what advice she would give to someone retiring today.

Listen here on episode 072 of The Retirement Café Podcast

As life expectancies have increased, conceptions of retirement have evolved.

With many people likely to live for twenty to thirty years beyond State Pension age (SPa), retirement is no longer simply a period of winding down at the end of your life. This shift has led more people to question what retirement is all about, whether they want to or can afford to retire, and if they do, how they want to spend their remaining time.

Lauren Wilkinson joins me from the Pensions Policy Institute (PPI), an educational, independent research organisation with a charitable objective to inform the policy debate on pensions and retirement income provision, to discuss their findings from a recent study on Living through later life.

In the first of our series on Longevity and Retirement, we chat about the experiences, risks and demographic characteristics associated with each of the three phases of later life.

Listen here on episode 071 of The Retirement Café Podcast

Have you ever sought financial advice?

And if so, did you act on the advice given? If you didn't follow the advice you received, you're not alone.

Too often, the advice is sound (hopefully) and you're eager, but for some reason nothing happens.

Neuropsychologist and financial change expert, Dr Moira Somers, recognised this pattern in her work and was concerned about the well-being of her clients and the lost opportunities. So, she decided to investigate further.

Dr Somers has published a book called 'Advice that Sticks' which examines the five main factors that determine whether someone will follow through with financial advice and joins me to discuss her findings.

Listen here on episode 070 of The Retirement Café Podcast

Greg Davies is a globally recognised expert in behavioural finance and its impact upon our financial wellbeing. Behavioural finance is a way of understanding the decision making you go through in your day to day life, how your personality and psychology influences that, and ultimately how we use that knowledge to help you make better decisions.

He joins me to explain the smart way to match your investment risk to your investments and his three rules for investing.

We also chat about how to encourage people to engage with their personal finances, why we struggle to make decisions about our money and how a lot of our money decisions are based on what feels emotionally comfortable to us, rather than any sort of technical analysis of what the optimal decision is.

Greg – of Oxford Risk – holds a PhD from Cambridge University and is also a specialist in both the theory and practice of investment risk profiling.

Listen here on episode 069 of The Retirement Café Podcast

We've heard many wonderful personal stories of retirement life, but it's not rosy for everyone. Many people suffer from isolation and loneliness.

This week's guest needs no introduction.

Dame Esther Rantzen has been a household name for many years since first appearing on our TV screens as a presenter and journalist.

In 1986, she famously launched ChildLine – a free, private and confidential service where children can talk about any issues they're dealing with. ChildLine is now part of the NSPCC and Esther is still involved. She is also a patron for 19 charities and has a damehood for services to children and older people.

More recently, Esther launched The Silver Line – a telephone support service providing information, friendship and advice to older people – that has already received well over 2.5 million calls.

It's almost impossible to reach some way into adulthood without experiencing the loss of a loved one. I think it's fair to say that each of us deals with death in a different way and has our own way of grieving.

For some, grief can be totally crushing and incredibly difficult to deal with.

My guest this week knows first-hand what it's like to lose someone dear to her. Amy's experience set her off on a lifelong mission of helping people deal with grief.

Author, speaker and founder of Corgenius, Amy Florian joins me to share her experience of loss and grief and her insights into dealing with this complex emotional arena.

This episode is the second in our series on dealing with grief and loss.

Listen here on episode 067 of The Retirement Café Podcast

Why do we prepare so well for birth, yet give so little attention to preparing for death?

Judy Kauffmann believes we should. She is passionate about caring for people during their end of life journey and empathising with those left behind, and her training and writings reflect this ethos.

Judy is an award-winning author of two books on end of life management and bereavement. She not only trains people to achieve the highest level of non medical care, but also empowers carers, helping take the fear out of end of life.

She is also currently training to be an End of Life Doula, someone who walks alongside the individual, their family and their community as an informed companion at the end of their life.

This episode is the first in our series on dealing with grief and loss.

Listen here on episode 066 of The Retirement Café Podcast

There is a type of crime for which there is almost no criminal justice. Fraudsters stole £1.2 billion through the UK financial sector in 2018, affecting more than 3 million victims.

Fraud and scams are the fastest growing crime area in the UK and notoriously hard to tackle. Research has found that 96% of reported cases go unsolved.

With police help limited in this area, there are people striving to support victims of financial crime.

Louise Baxter-Scott is founder and head of the Scams Team for National Trading Standards. She was awarded the MBE in 2017 for services to protecting vulnerable people from financial abuse.

Louise joins me to explain the most common types of financial fraud to look out for, how to protect yourself and what her team is doing to protect and keep vulnerable people safe.

This episode is the second in our series on Working into Retirement (click the link under 'useful links' to listen to last week's episode).

Tim relaunched his career in his 50s when he lost everything to the recession. Now in his mid 70s, Tim has co-founded and run businesses, think tanks and charities.

He believes that many people feel that they have unrealised potential and that they're looking at ways to release it. Now in his seventies, he still sees himself as a promising youngster and intends on thinking and behaving like someone much younger. He is putting more into life, and getting more out of it.

He has published a number of books including 'Generation Cherry – Powerful Strategies to Give You Another Bite of the Cherry'.

Tim chats about different ways to work into retirement and the benefits that can bring.

Tim also features on the Bolder website of Dominique Afacan who appeared in episode 053 of the podcast. Tim joins me to chat about the role of continuing to work into retirement and later life.

Listen here on episode 064 The Retirement Café Podcast

This is the first in our brief series of episodes about Working in to Retirement.

Nearly 80% of the growth in UK employment over the last decade has come from the over 50s*.

A staggering fact, and one made even more impactful if you consider that the ONS expects the number of over 50s to increase by nearly 10% over the next 10 years, an additional 2.7 million individuals.

To simply maintain current rates of employment, that requires us to prepare society and the workplace for millions more older workers being gainfully employed. But are we prepared and willing to do so?

Stuart Lewis is on a mission to address this challenge and founded Rest Less in December 2018 to do just that. Rest Less aims to help solve employers' recruitment challenges by providing access to a motivated and rapidly growing talent pool, whilst also promoting thousands of jobs from employers who see the value of age diversity in the workplace to the over 50s.

*ONS figures

Listen here on episode 063 The Retirement Café Podcast

Over 20 years ago, Nick had a vision for the future of housing for later life. He envisioned a retirement village that offered the facilities of a spa hotel but with care on hand, as and when needed.

Nick Sanderson is now CEO of Audley Group, the company that reinvented the retirement property market; challenged the care home model and introduced the concept of luxury retirement villages for the over 55s.

They provide a range of luxury retirement villages, each with a health club, library and restaurant. Nick discusses why the demand of these villages is growing and the role they can play in solving the housing crisis in the UK.

Listen here on episode 062 of The Retirement Café Podcast.

Happy New Year!

There are many ways to make '2020 Your Best Year Yet'.

As discussed in the first episode in this series, one of those ways is to consider your most important priorities and make sure you spend time doing the things of most importance to you.

Another way is to continue to learn. And what better way than to learn from those who know more than us!

This week, Justin discusses the books he highly recommends you read in 2020. He introduces each book and why you may want to consider taking time to read them.

We are also delighted to announce this week that The Retirement Café podcast has a new sponsor! Timelineapp helps financial planners bring a client's retirement journey to life and answer their big retirement income questions.

We are excited to have Timeline on board - they're an extremely progressive and exciting company and their fit with what we're trying to do with this podcast is spot on.

We're aiming to help you feel more informed in your retirement. Timeline helps you feel informed about how your retirement savings can be put to best use, so you don't run out of money.

Justin chats about Timeline more on this episode, so tune in now to episode 061 of The Retirement Café Podcast

It's New Year's Eve – the final day of 2019, so what better topic to discuss than 'How to Make 2020 Your Best Year Yet'.

In fact, that's the theme of the next two episodes.

As is tradition with the arrival of another new year, you may well be getting ready to set some new year's resolutions. Things that you'd like to change in your life or new habits you'd like to create.

It's not something that I've ever really done, but I know my wife, Kathy, used to set resolutions each year. Kathy joins me on the podcast to chat about why I don't believe new year's resolutions are very effective and how lasting change can be brought about.

We cover setting goals, the difference between strategies and goals, why we need to talk to our 85-year old self, and why it's important not to wait until the New Year to make the changes we want to see in our lives.

Listen here on episode 060 The Retirement Café Podcast

You've probably heard of the old adage 'from shirtsleeves to shirtsleeves in three generations', but is it really true?

Research in the USA* suggests that inherited wealth rarely endures. By the second generation, it found, 70 per cent of family fortunes had been depleted. By the third generation, the figure was 90 per cent.

60% of unsuccessful wealth transfers result from a lack of trust and communication among family members, which led to the creation of the Institute for Preparing Heirs.

Lisa Snyder is Managing Partner & Chief Learning Officer for the Institute, which helps financial advisers help guide conversations with their wealthy clients about wealth, legacy and purpose to align the entire family for a successful wealth transfer.

She joins me to chat about how to manage the transfer of wealth successfully.

In this episode, we cover a summary of defined contribution, defined benefit and other workplace pensions, what you should know or find out about your existing pensions and what you need to consider to ensure you have sufficient provisions when you reach your retirement.

This is the third episode in our series about Changing the Perceptions of Ageing.

We are living longer than ever before but millions of us risk missing out on a good later life.

The Centre for Ageing Better is focused on bringing about lasting changes in society that make a difference to people's experience of later life, now and in the future. This means more people in fulfilling work, in good health, living in safe, accessible homes and connected communities.

Louise Ansari is passionate about using communications to help improve lives.

With a background in leading communications and campaigns for various health and social policy organisations - such as Diabetes UK, Which? Magazine and the Food Standards Agency - Louise is well placed to lead the Centre for Ageing Better help more people live better in later life.

Louise joins me to chat about the charity's mission and how the #AgeProud campaign is challenging the outdated, ageist attitudes that prevent too many of us from making the most of our longer lives and her new book 'When We're 64: Your Guide to a Great Later Life'.

Listen here on episode 057 of The Retirement Café Podcast, the first in our series on 'Changing perceptions of ageing and ageing better'.

If you listened to last week's episode, you'll know that I shared some of the lessons I've learnt from interviewing interesting guests over the past 12 months since the podcast was launched.

This week I plan to share a further 4 lessons, in celebration of the first anniversary of The Retirement Café Podcast. Last week's lessons included:

Everyone has a story Retirement as we know it is dead It's never too late to do something important to you

This week I cover:

the importance of having a purpose We have more control over ageing and our health than we may think Pensions really are interesting The future's bright

If you'd like to listen to any of the full episodes mentioned in this episode, please click the links below.

Listen here on episode 056 The Retirement Café Podcast.

Are you worried about getting old?

Mid thirty-something writer Dominique Afacan was. Old age to her was an unhappy place, mostly filled with loneliness, rocking chairs and possibly some tea and biscuits, if she was lucky.

Together with friend and photographer colleague, Helen Cathcart, Dominique set out to find people over 70 who made old age look more appealing. They interviewed and photographed these inspiring people, which led to the launch of Bolder.

Dominique joins me to chat about why they want to change perceptions about growing older and how they're going about doing so.

Listen here on episode 053 The Retirement Café Podcast, the first in our series on 'Changing perceptions of ageing and ageing better'.

As you know, the current generation of retirees has benefitted greatly from quite dramatic increases in house prices over the years. This is great news for retirees in general, but for some people, they find that the majority of their wealth is tied up in their property.

For those struggling to afford the retirement they want, or even the retirement they need when it comes to paying for care or other later life costs, equity release can be an appealing option.

Equity release has had a bad press in recent years, but demand is growing with 83,000 people taking out an equity release product in 2018. There are five fold as many equity release solutions available compared to 5 years ago – so is equity release now a viable solution?

Martin Lines, Business Development Director with Just, one of the leading providers of retirement solutions in the UK, joins me to answer all our questions about equity release.

Listen here on episode 052 The Retirement Café Podcast.

Professor Sir Muir Gray has worked in public health for 40 years, focusing on disease prevention (particularly helping people to stop smoking) and population ageing.

He is a renowned leading Consultant in Public Health in Oxford University Hospital NHS Trust and a professor in the University of Oxford's department of Primary Care Health Sciences.

Knighted in 2005 for his services to the NHS, he is known as a public health pioneer. In recent years, Sir Muir has gone on to publish a number of lighthearted books including 'Sod Seventy! The Guide to Living Well'.

He joins me on the podcast to talk about why the word retirement should be banned, 'Excessive Sitting Syndrome' and what we can do to dramatically reduce our risk of serious illness as we age.

He argues why 'clean, clear knowledge' is so important in the 21st century and how he's helped to ensure it's available via the NHS.

Listen here on episode 051 The Retirement Café Podcast.

Roger Whitney believes that planning for retirement is just as much about intentional saving as it is about intentional living.

Like me, he believes the best retirement strategies are grounded in what's important in your life right now and in the future.

Roger is an American Certified Financial Planner, author of 'Rock Retirement' - a simple guide offering inspirational advice on how to enjoy the journey to retirement and beyond, and host of The Retirement Answer Man podcast.

He joins me on the podcast to chat about his mission of helping people live well today without sacrificing tomorrow.

Listen here on episode 050 The Retirement Café Podcast.

Do you ever feel that there is just too much information and choice today?

Behavioural finance expert Brian Portnoy has found a way to achieve simplicity in our world of information overload and shares his perspective in two fascinating books The Investor's Paradoxand The Geometry of Wealth.

In his books, Brian successfully tackles the challenges of not only making better investment decisions but also how money figures in to a joyful life. And explains how the two tasks - tackling the big questions about a joyful life and tending to financial decisions - are wholly complementary.

In educating thousands of investors over the years as keynote speaker, seminar leader, and consultant, Brian emphasises the practical benefits of understanding the intersection of human psychology, financial markets, and modern capitalism.

He holds a doctorate from the University of Chicago where he currently lives with his family.

Listen here on episode 049 The Retirement Café Podcast.

Most people think of Tai Chi as a wonderful relaxing exercise performed in parks throughout China, in the early morning. This is true to some extent.

Tai Chi is relaxing, but it also strengthens the body, improves circulation and is an effective form of self-defence.

The holistic nature of this ancient martial art makes it suitable for people of all ages and levels of fitness as it adapts itself to suit your abilities. What's more, recent studies have proven that Tai Chi has significant health benefits for older people.

Mark Peters joins me on the podcast to chat about his involvement with the practice for the past 30 years. As an executive committee member of the Tai Chi Union of Great Britain, Mark runs his own training association, has competed at two World Championships and been developed programmes for the NHS around the use of Tai Chi for rehabilitation for COPD and lung disorders, falls prevention and special needs.

Listen here on episode 048 The Retirement Café Podcast.

We have unbelievable political uncertainty at the moment and it's hard to deny that it's causing considerable market turmoil. You may well be wondering what effect this will have upon your investments and retirement savings.

Are you okay with gritting your teeth and keeping your carefully structured portfolio on track as planned? Or are you wondering whether you should now somehow shift your portfolio to higher ground until the coast seems clear?

In other words, might these stressful times justify a measure of market timing?

In this episode Justin covers four important reminders on the perils of trying to time the market at any time.

He also shares his views on risk tolerance and how financial advisers often use this metric incorrectly as a tool to design your investment portfolio. Justin explains the flawed assumptions implicit in the concept of risk tolerance and the approach he takes at MFP Wealth Management to best assess clients' risk tolerance.

Listen here on episode 047 The Retirement Café Podcast.

Pop into most cafes and you'll quite easily find tea and cake. Pop into a Death Cafe and you'll be served much more.

At a Death Cafe people, often strangers, gather to eat cake and drink tea - as you might expect - but they also gather to discuss death.

Death has a stigma of being morbid to bring up and especially to talk about. There's that superstition that you are inviting death closer by discussing it. However, thousands of groups in 51 countries have met up with one another to discuss our finite lives and the inevitable.

Death Cafe co-founder, Sue Barsky Reid joins me on the podcast. Sue is a psychotherapist and counsellor, skills she used to the full when creating the Death Cafe concept with her late son, Jon Underwood.

Sue tells us why they founded Death Café and how and why this social enterprise has gone from strength to strength.

Listen here on episode 046 The Retirement Café Podcast.

Last week we discussed annuities, what they are and when you may decide to buy one.

In 2015 new legislation - The Pension Schemes Act 2015 - took the pensions market by storm. Known as 'pension freedoms', the new rules gave you more options as to how to take your pension savings.

Billy Burrows returns to the podcast this week to talk us through pension freedoms and what this means to you.

We discuss pension drawdown, Billy's 'three pot approach', and creating an income strategy for all phases of your retirement.

Listen here on episode 045 The Retirement Café Podcast.

When the time comes to decide what to do with your retirement savings, you may face the difficult choice of either buying an annuity or entering into drawdown.

Annuities have fallen out of favour since pension freedoms came into force in 2015, as many retirees took advantage of being able to access their pension funds in the way they wanted. But do annuities still have a place in the retirement income market?

William Burrows believes so. Having been involved with retirement options for 30 years as a qualified financial adviser, he is well known as somewhat of an expert on annuities.

Billy joins me on the podcast to explain what an annuity is, when it's worth considering and why retirement advice is both an art and a science.

Listen here on episode 044 The Retirement Café Podcast.

Did you know that you don't have to take your State Pension when you reach the State Pension age?

There have been numerous changes to how you qualify for the full State Pension and when you will be able to draw on this valuable benefit.

In this episode of the podcast, Justin chats with Rian Timmins, Trainee Financial Planner at MFP Wealth Management, who explains all the rules.

This includes how to find your State Pension age, what you will receive and when you will receive it.

Rian goes on to explain how to top up your State Pension if you have missing years, in which situations you may need to do so and unravels the complexity of the State Pension rules.

Listen here on episode 043 The Retirement Café Podcast.

Dr. Noel Collins has learned that most distress for people with dementia doesn't come from the absence of some magic bullet. It comes from the challenges associated with care.

As an older adult psychiatrist, Dr Collins has vast experience in the field of dementia as a specialism within gerontology.

Gerontology is the study of ageing. We think about ageing as being a purely biological process. Actually, as we age, we're influenced by many non-biological things; by social policy, by the law, by finances, and that also includes dementia. Dr Collins looks at dementia through a more sociological lens than a medical one.

He is the co-author of 'The D-Word: Rethinking Dementia', which covers the insights Dr Collins acquired from six years' running a memory clinic. Dr Collins wrote the book with Mary Collins, who appeared in episode 28 of the Podcast.

You can listen to Noel's interview here on episode 042 of The Retirement Café Podcast.

Vanguard is an investment company not quite like any other.

Vanguard was founded in the United States in 1975 on a simple but revolutionary idea: that an investment company should manage the funds it offers in the sole interest of its clients. This would lead to a fairer, lower cost investing model.

40 years and $3 trillion later, Jack Bogle's vision remains strong and the firm continues to change outcomes for investors.

Neil Cowell joins me to share his thoughts on the biggest factors that influence a successful investing experience in retirement, the 4 investing principles and how Vanguard is structured to support this.

Neil looks after the UK sales division for Vanguard, which means he supports and educates the 13,000 UK financial adviser firms.

In our interview on episode 041 of The Retirement Café Podcast, hear why we choose to invest with Vanguard.

Paying for care is thought to be the second biggest financial commitment that we make during our lifetime, after taking our a mortgage.

Navigating the care market is, however, a minefield, so this adds to the financial pressure people feel.

Jacqueline Berry set up My Care Consultant to help people find the services they need, understand the funding available and secure any funding and, importantly, the long term security of your loved ones.

In our conversation, Jacqueline explains the difference between social care, NHS continuing healthcare and nursing care, which authorities are responsible for which type of funding, the application process, the 9 different ways to pay for care and how to find the most suitable care provider.

She explains how they work with individuals and qualified later life financial advisers to get the best possible outcome for you and your loved ones, as you navigate the care market.

Listen here on episode 040 The Retirement Café Podcast.

Planning a funeral can be overwhelming, especially when you're grieving the death of a loved one.

There are a number of details to take care of, from deciding what type of funeral you want, who you want to arrange it, to arranging funeral transport and choosing music and readings for the service.

Simon Head and his family firm, Head and Wheble, have been there to support countless families over the past 90 years.

He joins me on the podcast to share his experience of funeral planning and give tips to listeners on how to arrange the ideal funeral at what can be a hugely distressing time.

He discusses the pros and cons of a pre-paid funeral plan and shares stories from his years working with death!

Listen here on episode 039 The Retirement Café Podcast.

In the world of financial advice, George Kinder is known as the Father of the Life Planning movement.

For over 30 years, George has trained thousands of financial advisers from 30 countries in life planning, which enables them to develop the listening and questioning skills that allow rich, meaningful conversations with their clients.

Delivering people into freedom is central to the life planning approach, and a concept that George is very passionate about. For George, it's twofold, which he explains in our interview.

George touches upon how, now aged 71, he has followed his entrepreneurial spirit and his deeply held passions to direct his life. He discusses how retirees can take this approach at any stage of life.

George has published five books, founded the Kinder Institute of Life Planning and is considered an international thought leader. His most recent book A Golden Civilization applies the life planning approach to our civilisation as a whole.

You can listen to my fascinating interview with George Kinder on episode 038 of The Retirement Café Podcast.

The Mental Capacity Act states that a person lacks capacity if they are 'unable to make a specific decision, at a specific time, because of an impairment of, or disturbance, in the functioning of mind or brain'.

If you think that an individual lacks capacity, you need to be able to demonstrate it. You should be able to show that it is more likely than not – ie, a balance of probability – that the person lacks the capacity to make a specific decision when they need to.

Assessing a person's mental capacity accurately is so important to get right, as the consequences for the individual can be huge. And that's where Tim farmer and his award-winning firm, TSF Consultants, come in.

Known as 'The Guru of Mental Capacity', in his work with TSF Consultants Tim and his team have conducted over 3.500 mental capacity assessments in both clinical and legal settings.

TSF has become the largest supplier of mental capacity assessments to the legal profession, providing the assessments required when dealing with Lasting Powers of Attorney and the Court of Protection.

Tim's book, 'Grandpa on a Skateboard', is the first practical book for Health and Legal professionals, that simplifies and explains the assessment process – jargon free.

Listen here on episode 037 The Retirement Café Podcast.

The transition into retirement can be a hugely positive experience, but for some it can also be a challenge.

Freelance journalist and author, Celia Dodd, spent months interviewing retirees to understand what makes a successful retirement. In our interview, Celia shares her findings.

For many people, retirement is the first time they can do something that really matters to them. But finding your purpose can be trial and error.

Through real life stories, including that of her own father, Celia touches on the most influential factors of a positive retirement: social networks, staying curious, relationships and having purpose, in order to help remove the fear of retirement.

You can listen to my fascinating interview with Celia here on episode 036 The Retirement Café Podcast.

David Jones returns for part 2 of our conversation on investing and how Dimensional Fund Advisors can play a part.

We discuss how retirees can implement a successful investment strategy. David explains that clarifying goals is the first step, which enables us to establish the rate of return needed on your investments to achieve your goals.

It's then important to select the most appropriate assets and, critically, remain disciplined and tune out from all the noise around investing.

David recently turned 60. He's given some thought to the next stage of life and shares with us his affinity with the Japanese tradition of Kanreki - turning 60 and taking the opportunity to consider 'what to build on and what to leave behind'. Reaching 60 is seen as an opportunity to start over, akin to starting a second childhood.

Whatever David pursues in the coming years, he's certain it will involve enjoyment, engagement and meaning.

I hope you enjoy the second part of my conversation on episode 035 of The Retirement Café Podcast. To listen to part one in episode 034, click here.

Thirty years ago when David Jones started out in financial services, he became acutely aware about the prevalence of high fund management costs and investment solutions that let investors down time after time. He transformed the business he was running to a fee-based practice and discovered Dimensional Fund Advisors.

David is now Vice President and Head of Financial Adviser Services EMEA. He explains why and how Dimensional are different to other fund advisors.

Dimensional's investment approach is based on a belief in markets. Rather than attempting to predict the future or outguess others, Dimensional draws information about expected returns from the market itself—leveraging the collective knowledge of its millions of buyers and sellers as they set share prices.

Dimensional's investment approach is also grounded in economic theory and backed by decades of empirical research. This transparent approach helps provide peace of mind so investors can stick with their plan. He argues that you don't need to pick the next best stocks, but can stick with an academically proven approach to investing instead.

Listen to the first part of my interview with David on episode 034 of The Retirement Café Podcast. Part 2 follows in episode 035.

This week I share some of the latest goings on in the financial world and my thoughts on what this could mean to you.

The topics covered include:

You can listen to my thoughts on these and more here on episode 033 The Retirement Café Podcast.

As a dementia specialist, Mary's experience of death and the final stage of life became quite vast. By chance, she met Judy Carole Kauffmann, a specialist in end of life management, and together they wrote the award-winning book 'The End of Life: The Essential Guide to Caring'.

Mary sees that everyone's experience of death and grief is different. When somebody dies, you're in shock. Even if you've been expecting it. And when you're in shock you behave differently from other times.

However, Mary also sees people opening up and being able to discuss death. She discusses the most important things we can do to help someone approaching the end of their life to gain peace of mind. Which sometimes means having those difficult conversations.

You can listen to Mary's interview here on episode 032 The Retirement Café Podcast.

This episode is a little different from most of my podcast episodes in that I don't have a guest with me today.

In fact, this is the first in a series of episodes where I will answer the questions I'm asked most often about investing and the elements of investing where the most confusion tends to lie.

My aim is to make what can be complex financial jargon into something we can all understand.

First up is 'asset allocation'. In this interview I explain the different types of asset classes and how to ensure your asset allocation is suitable for you. I use the analogy of separating clothes in your wardrobe according to their role or style to explain how we allocate your assets into specific roles.

I hope episode 031 of The Retirement Café Podcast will help you gain a better understanding of the role of asset allocation in a successful investing experience.

Charitable giving should bring great joy and fulfilment. It should make you feel empowered and excited about the good you can do in the world.

Many of us donate to charity, but do we do it intentionally?

Lauren Janus has spent more than 15 years working in the charitable sector and is the founder of Thoughtful Philanthropy, a charitable giving advisory service, helping individuals and families become more informed and empowered philanthropists.

That means she helps people really understand the strategy charities you're interested in are adopting and how they're spending your money.

Lauren mostly works with retirees and their financial advisers. People's questions about how to give less haphazardly often arise during the retirement conversation.

In this interview on episode 030 of The Retirement Café Podcast, Lauren explains what she means by giving your time, your talent, your treasure and your testimony.

In this episode I welcome back Ken West MBE. Ken appeared on episode 2 discussing the world of natural burials.

This time Ken chats about what makes for a successful retirement. Whilst not overly keen to retire, Ken's wife Ann suggested it was time, so at age 60 after 45 years in bereavement services, for which he was awarded an MBE, Ken made the transition.

As a keen horticulturist, Ken planned to spend much of his time creating an organic garden. Shortly after retiring, Ken was approached by a publisher to write the guidebook for natural burial, so he decided to turn his hand to writing.

Running is Ken's first love. Having completed over 250 races by his early 40s, winning around 40 of them, Ken and Ann have run throughout their lives. He stills manages 20-25 miles per week. Ken stresses how running helps him feel well each day and makes him feel as fit as he did in his 20s. Amazingly, he still holds an 18-mile fell running record thirty years after he set it.

So, what's Ken's current focus? His book, My Pagan Ancestor Zuri - A Parallel Journey: Christchurch to Stonehenge will be published in July 2019. It compares two lives and communities past and present – that of the people here in Christchurch in 2200BC, with the people living here today.

And Ken will, of course, continue to run.

Mary believes that dementia wouldn't be so difficult if society dealt with it better. We tend to distance people with dementia, out of fear or a lack of knowledge of how to deal with people.

If they were made to feel a continued part of society, maybe people with dementia would live a happier life?

Mary Jordan has worked in the dementia field for many years, initially as a Dementia Support Worker for the Alzheimer's Society. She qualified to deliver the Alzheimer's Society CrisP programme and knows that dementia could come to any of us.

In her most recent book, The D-Word: Rethinking Dementia, Mary and her co-author Dr Noel Collins explain how society being more gentle on people with dementia could enable them to continue to contribute to society. She discusses her thoughts in episode 028 of The Retirement Café Podcast.

Mary co-founded AdaptDementia Ltd to allow families living with dementia to be better informed and to have a wide choice of support.

AdaptDementia provides information, training and support for care professionals, people with dementia and family carers wanting to know more about dementia and how to adapt themselves and their environment to the challenges it brings.

Most people don't hire a financial planner in retirement because they can't work out what to do themselves, given the time and inclination.

You hire a financial planner because they're not you. We all have our blind spots. And it's a real challenge for anyone to be able to manage money successfully themselves without becoming emotionally attached to it.

You struggle to move forward because you put a million obstacles in the way.

A real financial planner listens and understands you, asks really good questions and is totally transparent. They're an independent third party who's able to say, "Let's look at this from a different angle" and help you make better decisions about money.

Carl Richards cuts through all the noise and the confusion around money. Through his simple sketches, Carl makes complex financial concepts easy to understand. Otherwise known as The Sketch Guy, his column has appeared weekly in the New York Times since 2010.

Carl is also a Certified Financial Planner, an author and a frequent keynote speaker at financial planning conferences around the world.

Carl appeared in episode 013 and episode 014 of The Retirement Café Podcast talking about how to have healthy conversations about money.

Here's episode 027 of The Retirement Café Podcast.

At the age of 50, Edwina Brocklesby decided to run her first half marathon. Until that point, she'd done little running, and her exercise regime consisted of little more than chauffeuring her children to their own sports clubs.

After that event, and following the loss of her husband of thirty years to cancer, she completed a marathon. Now, 76 years old, the past twenty years has seen Eddie take part in marathons, triathlons and Ironman races across the globe and she has accrued many medals and awards.

Eddie helped to found Silverfit in 2013 a small charity promoting lifelong fitness and fun, raising awareness of the benefits of physical activity and social inclusion for the over 50s.

Silverfit is helping inactive older people to live life to the full, independently and happily and has expanded rapidly, providing weekly opportunities for physical activity in ten varied locations across London.

In episode 026 of The Retirement Café Podcast and in her book 'Irongran' Eddie explains how she became the UK's oldest woman to complete an Iron-distance triathlon and how keeping fit taught her that growing older needn't mean slowing down.

I was delighted to meet Professor Dimson at the Science of Retirement Conference earlier this year as I have had his book 'The Triumph of the Optimists' on bookshelf for many years.

Elroy Dimson is Emeritus Professor of Finance at the London Business School. His research focuses on investing for the long term, and he has become well known for their studies of the investment performance since 1900 of financial assets in 23 countries.

Professor Dimson discussed the dilemma for impending and current retirees. Your ideal retirement plan will see you spending your last penny in your last day on this planet. As we don't know how long we'll live, we need to plan to leave a bequest.

There may be undesired and unforeseen expenses. Sticking your money in the bank will mean you'll have lower purchasing power when you spend the money than when you saved it. So, you need to find a better return on your money.

Professor Elroy discusses which type of investments you could consider and why. Overall, Professor Dimson believes it's best to create and stick to a long-term plan.

Tune in to hear Professor Dimson on episode 025 of The Retirement Café Podcast.

Age defines us. Simple. That's how it's always been, but it's a belief system that George Lee is setting out to challenge.

With her organisation The Age of No Retirement, George and co-founder Jonathan aim to create a world where our age does not define us, by shattering age barriers and ageist stereotypes to create an inclusive future.

George shares research findings and fascinating insights into ageism and the work she is doing at The Age of No Retirement.

George Lee is a serial entrepreneur. With a background in psychology, George's first business was a design company, This is Real Art, founded with the aim of making radical change through the power of design and radical creative thinking.

In 2012 she launched Commonland, a studio dedicated to using design-thinking to tackle big social issues. In 2016, George was voted as one of the world's 50 Creative Leaders by the world's leading creative and innovation magazine, Creative Review.

Tune in to hear George on episode 024 of The Retirement Café Podcast as she explains why and how we are thinking ourselves into illness.

After 18 years running the financial planning business he founded, Chris Budd was ready for a change of direction. Recognising he needed a new purpose and a way to exit his business, Chris stumbled across an organisation called the Employee Ownership Association. There, he found both.

The solution to Chris selling his business so that it could continue to flourish – via an Employee Ownership Trust – also became his new career. Recognising the enormous benefits of such an exit strategy, Chris wrote a book about it called The Eternal Business and now provides consultancy to other business owners who wish to follow his path.

Chris firmly believes that retirement is simply a change of circumstances. If we are pulled by a deep sense of purpose to do something different than what we've been doing our entire working lives, rather than pushed from our position, the transition is simpler and our new phase of life becomes more meaningful.

Chris joins me on this episode of The Retirement Café Podcast to explain his journey from exiting his business via an Employee Ownership Trust to finding his purpose for the next phase of life. Tune in to episode 023 of The Retirement Café Podcast.

Only 7% of the UK population currently has a Power of Attorney in place. The rest of us are running the risk of having to resort to the services of the Court of Protection, if we find ourselves lacking mental capacity and not able to make our own decisions.

Unfortunately, this happens too often. Your relative who seemed, until recently, to just be suffering from a few mild dementia symptoms, is now showing more severe signs. Without a Power of Attorney in place, her family members cannot make decisions on her behalf.

It's left to the Court of Protection to make decisions on financial and welfare matters for people who can't make decisions at the time they need to be made. This may be where you end up living, what happens at the end of your life, and who can access your money. This is complex. costly and time-consuming, not to mention harrowing, for everyone involved.

Fiona Heald is a partner in the Court of Protection team at Moore Blatch Solicitors. She looks after the interests of vulnerable people and where appropriate their carers, helping them deal with the issues that arise in later life.

She joins me on this episode of The Retirement Café Podcast to explain what happens to your money and your welfare if you don't have a Power of Attorney. She also discusses how the Court of Protection can help when a Power of Attorney is misused.

Tune in to hear Fiona's fascinating account of the Court of Protection's role on episode 022 of The Retirement Café Podcast. Click here to listen to Fiona's first interview all about Lasting Powers of Attorney.

At 73-years old, Anne is one of the most active retirees I know. She is also my mother-in-law.

Anne has experienced all manner of highs and lows since taking early retirement at age 57, something she never planned to do.

Anne's motto is 'live the day'. In our interview she explains how her positive outlook has enabled her to deal with cancer, care for her husband of 50 years through heart failure, and overcome what she now believes to be Post Traumatic Stress Disorder after his death to keep on keeping fit and enjoying life.

Tune in to hear Anne's personal story of why we should all get out there, speak with people and do what we enjoy on episode 021 of The Retirement Café Podcast.

Financial advisers are now incredibly well qualified, but exams don't test how good they are at explaining complex later life advice in a way clients understand. This insight, coupled with her experience of working with older people in later life within financial services, led Jane Finnerty to co-found The Society of Later Life Advisers (SOLLA).

In 2008, alongside barrister Trish Hanifan, Jane set up SOLLA as a not-for-profit organisation designed to raise standards and accessibility to regulated financial advice for older people and their families.

In our interview Jane explains how more complex and inter-generational retirement planning needs have become and why this necessitates a different approach and skillset from advisers. She explains how and why the unique SOLLA accreditation helps consumers identify advisers who best understand their unique needs across the various stages of retirement.

After all, it's about helping people in later life avoid those 3am moments worrying about paying for care or setting up Powers of Attorney. That's what comes with personalised advice specific to later life.

Jane started her career with Help the Aged, followed by a move in to financial services during the1980's. The Financial Services Authority then approached Jane and asked if she could look at examination standards for long term care and equity release.

This led to Jane considering what could be done for older people to access the right kind of advisor at the right time. In 2008, she and Trish Hanifan founded the Society of Later Life Advisers.

Tune in to hear Jane explain the benefits of working with a SOLLA accredited adviser and what to expect on episode 020 of The Retirement Café Podcast.

For ten years, Rory Percival was 'the face of the Financial Conduct Authority' (FCA) for financial advisers. An influential speaker and thought-leader, Rory's technical expertise enabled him to play a significant role in setting the agenda for regulatory activity in the advice sector.

The projects he was involved in included pension switching, the Retail Distribution Review and pension freedoms.

In 2016, after an impressive 30 years in the financial advice sector, Rory Percival set up his own training and consultancy firm offering conference speaking, training, guides and consultancy.

Despite being a Chartered Financial Planner himself, Rory sought advice to ensure that his retirement savings would last throughout his entire retirement – which he expects could be quite some years.

In our interview, Rory explains the role of 'core secure income' in bringing peace of mind, the importance of his 'little black book' and why he wants to become a dog's body!

The new residence nil rate band (RNRB) came into effect on the 6th April 2017. It's a new inheritance tax relief being phased in gradually over a number of years. In tax year 2017-18 it was worth £100,000 per person, and it's increasing by £25,000 increments until we get to tax year 2020-21 when the relief will be worth £175,000 per person.

When you add that to the £325,000 ordinary nil rate band available to everyone, you get half a million pounds inheritance tax relief per person.

But there are many rules attached when it comes to the value of your estate, who is eligible and what happens if you downsize or go into care.

Specialist estate and tax planning solicitor, Kurt Lee of Lester Aldridge solicitors, explains the rules and what you need to do to ensure your estate qualifies to claim the RNRB.

Listen to episode 018 of The Retirement Café Podcast to understand the importance of paperwork and what to do if your estate is worth between £2 and £3 m to ensure you still qualify.

In the first part of my interview with Barry Van Danzig we heard how Barry attempted to sell his business to venture capitalists, but ended up buying the business back after they turned a £2 million EBITDA* into a loss in two years.

Barry found himself back in the driving seat of his company. The highly successful company he had spent years building and nurturing. He still needed to find a way to retire, without compromising the business's success.

In this second part of our interview, Barry stresses the importance of self-awareness and accepting you're probably no longer the best person to run your firm. You need to make yourself redundant.

He explains how the biggest barrier for him to overcome was the psychological barrier of accepting the only real purpose of the business was to make money. That the business was an investment. He had to become hard-nosed about it.

Barry shares his reasons for rejecting the option of 'just carrying on' and why he decided to keep his business as an investment as he headed into retirement. He explains exactly how he achieved this, the pitfalls to avoid and how's since managed to create a new vision for his future.

Whilst leaving a legacy.

Here's the second part of Barry's inspirational story on episode 17 on The Retirement Café Podcast.

Barry Van Danzig is not successful by accident. An astute entrepreneur who built and lost a business early on in life, Barry picked himself up, reengineered his future and created a fabulous company that brought the wealth and success he deserved.

As Barry approached his 50s he started to consider "What next?" The business was booming, robust and running smoothly. He started to think about retirement and the options open to him.

In this first part of a two-part interview, Barry shares his personal story of the three options he considered for exiting his business and the rollercoaster ride he endured pursing option one – selling his business and sailing off into the sunset.

With humour and humility, Barry explains the pitfalls he faced, the enormous challenge of making himself redundant and the difficulty of standing back and watching his 'baby' destroyed by venture capitalists.

Tune in to episodes 016 and 017 to hear Barry's inspiring personal story about his transition from business owner to retiree. Let's start with episode 16 on The Retirement Café Podcast.

410,000 people live in care homes in the UK today. It is predicted there will be a 36% increase in the number of over 85s by 2025. With an ageing population comes a growing demand for care provision and care homes.

I chat to Hollie Clarke, Senior Care adviser with Colten Care, about how to find the most suitable care home to meet your needs. The key to success is good planning. Working in the specialist customer service team, Hollie helps residents and their families through the transition into care.

Sharing her experience from 10 years working in the care industry, Hollie explains the different care options available, how to check out possible homes before you set foot in the door and which probing questions you need to ask.

We cover checking what funding you're eligible for, people with specialised medical needs such as dementia, keeping couples together and the future of care in the UK.

Colten Care started 35 years ago in Lymington and now have 20 care homes with a total of 1,100 residents.

Here's episode 15 of The Retirement Café Podcast.

In this episode you can listen to the second half of my interview with Carl Richards for his new Talking About Money workshop.

The goal of Carl's Talking About Money workshop is to give people the tools and confidence necessary to have conversations about money that don't end up in arguments. Too often, our money discussions cause stress and distress as we don't appreciate that money is emotional and evokes all kinds of feelings.

In the five workshop modules, Carl explores the ground rules for successful money conversations, how to start the conversation, the importance of listening, a process to follow and how to get started.

He interviewed four experts in this field, including me! Carl wanted to include my perspective because he understood that my somewhat different approach to retirement planning is grounded in listening, understanding and asking the right questions.

He has kindly allowed me to share this part of his Talking About Money workshop on my Retirement Café Podcast.

For those of you who don't know Carl Richards, you may be familiar with his most famous work. Through his simple sketches, Carl makes complex financial concepts easy to understand. Otherwise known as The Sketch Guy, his column has appeared weekly in the New York Times since 2010.

Carl is also a Certified Financial Planner, an author and a frequent keynote speaker at financial planning conferences around the world.

This episode, episode 14, is the second of a two-part series giving you a sneak preview of what to expect from the workshop.

A few weeks ago, I was honoured to be interviewed by Carl Richards for his new Talking About Money workshop that launches right around now.

For those of you who don't know Carl Richards, you may be familiar with his most famous work. Through his simple sketches, Carl makes complex financial concepts easy to understand. Otherwise known as The Sketch Guy, his column has appeared weekly in the New York Times since 2010.

Carl is also a Certified Financial Planner, an author and a frequent keynote speaker at financial planning conferences around the world.

The goal of Carl's Talking About Money workshop is to give people the tools and confidence necessary to have conversations about money that don't end up in arguments. When you sign up for Carl's workshop, one of the pieces of content you receive is the interview you are about to hear.

Carl has kindly allowed me to share this part of his Talking About Money workshop on my Retirement Café Podcast.

In our interview, we talk about how to have healthy conversations about money. We don't get taught how to talk about money at school, and it's not something we tend to teach our children at home. So we grow up assuming a conversation around money is something that fits into a spreadsheet or a calculator.

As a result, these money conversations can cause people quite a lot of stress and often end in arguments. Because money is emotional and evokes all kinds of feelings.

Carl wanted to include my perspective on how to have positive conversations about money in his workshop because he understood that my somewhat different approach to retirement planning is grounded in listening, understanding and asking the right questions.

In our interview, I explain to Carl why and how I have learned to facilitate great conversations around money and share some of the tools and techniques for doing so. I stress the importance of active, intelligent listening in all conversations – especially those about money – so we can all have more positive outcomes around our money.

This episode, episode 13, is the first of a two-part series. Part 2 will be released as a bonus episode on Friday, so you don't have to wait a whole week to hear how the interview concludes.

Since George Osbourne pronounced the words "No one will have to buy an annuity again" in 2014, the retirement market has changed from a safety-first environment to one full of risk and responsibility.

No longer forced to convert your hard-earned savings into an annuity – a guaranteed income for life in exchange for your pension pot – pension freedoms legislation allows you more freedom on how to spend your retirement savings.

Fundamentally this means more people decide to invest their retirement savings and take an income to meet their expenditure needs.

My guest on The Retirement Café Podcast this week is Abraham Okusanya – an intelligent chap who recognised how difficult it was for financial planners to help clients work out the best way to take an income from their investments. There are so many factors to consider, such as the inflation risk, longevity and market performance.

Abraham runs a research and consultancy firm called FinalytiQ, who provides investment and technical support to financial planners working with retirees. He is also the founder of the Timeline software. Timeline enables financial planners like us help their clients work out how to ensure their pension savings last a lifetime.

Here's my interview with Abraham Okusanya, in episode 012 of The Retirement Café Podcast.

People struggle to keep track of their pensions; 3 out of 5 people don't know what they have. On average, a working adult in the UK may have 11 different jobs during his or her working life. A holistic view is hard to achieve, even with the help of a financial adviser – and perhaps that's why it is estimated that £400m of pensions are unclaimed.

Henry Tapper is passionate about helping people understand the value of their pension savings. Despite a lifetime in pensions, 57-year-old Henry found it extremely difficult to combine and understand his own multiple defined contribution pensions without an extraordinary amount of trouble.

This huge inconvenience led Henry to create AgeWage – an app that enables people like him to bring together and analyse their pensions. Henry wants you to know about the money you've paid for retirement. This means knowing how much you've saved, how much your investments have grown and knowing what you've paid for that investment growth.

With only 6% of people getting financial advice regarding their pension, AgeWage wants to provide people with something better than they are already getting.

In our interview Henry discusses the three issues the app is looking to address by assisting, guiding and equipping you to take action. The brand-new app is looking to launch in April.

Henry is an entrepreneur who helps people make good pension decisions. He founded AgeWage and the Pension PlayPen to map the pensions genome and ensure everyone gets data driven information on value for money. Henry has previously helped First Actuarial develop their business, been head of sales at Zurich Assurance and was an IFA for 11 years.

Here's my hugely informative interview discussion with Henry Tapper in episode 011 of The Retirement Café Podcast.

Suzanne Noble had enjoyed a successful and varied career which included PR for big entertainment brands, founding a TV company, creating a baby sling company and launching money and time saving app Frugl.

Then, age 50, attempting to join the London technology start up industry Suzanne very quickly realised she was the oldest person doing so. She also found there was very little support for her, which led to co-founding Advantages of Age. The objective of Advantages of Age is to challenge the media narrative around ageing.

Suzanne believes it is never too late to start a business if you have the right attitude.

Through a combination of social events, a Business Academy for those over 50 and a popular Facebook page, Suzanne has worked to create a support network to help people over 50 get the confidence and knowledge to have further success in their careers and lives.

She shares examples of clients who've taken their experience to build a new working life in retirement and tips on how you could do the same.

Here's my fascinating discussion with Suzanne Noble, in episode 010 of The Retirement Café Podcast.

Record numbers of people are formally assigning emergency decision-making to those they trust with a Lasting Power of Attorney. 726,000 people handed over control of their affairs to those they trust in 2016 alone and the figure has grown by 180 percent in the last 5 years alone.

But would you know where to start?

Fiona Heald is a partner in the Court of Protection team at Moore Blatch Solicitors. She looks after the interests of vulnerable people and where appropriate their carers, helping them deal with the issues that arise in later life.

Fiona ensures her clients' wishes are met both now and in the future, which involves putting in place the necessary arrangements and legal structures.

This is a highly specialised area of law, requiring not only expert legal advice but also the ability to understand the emotional issues that arise.

In this episode, Fiona explains the types of Power of Attorney, how to choose a suitable attorney and how to put a Power of Attorney in place.

Fiona is a member of the Society of Estate and Trust Practitioners (STEP), Treasurer for the South Central branch of Solicitors for the Elderly and a Dementia Friends Champion.

Here's my highly informative interview with Fiona Heald, in episode 009 of The Retirement Café Podcast.

The Five Ways to Well Being have been proven to be critical to a healthy retirement. Dr William Bird MBE, GP and founder of Intelligent Health, explains how an understanding of these principles can create the building blocks of a successful retirement.

As a family GP, William has first-hand experience of watching patients' health deteriorate within a year of retiring. In 1996 he started to get his patients more active by setting up the first Health Walk scheme. This led to him creating the Green Gym one year later as he realised that companionship and contact with nature were major driving forces in keeping people active.

This passion has led him to be a Strategic Health Advisor to Natural England and set up health forecasts for the Met Office. His 'Beat the Street' campaign uses children to get their families involved, has already run 95 schemes and helped 960,000 people become active.

With evidence clearly showing physical activity has more health benefits than any other single intervention, William discusses the importance of physical health and how this can reduce the risk of Parkinson's, Dementia and other conditions.

William also discusses the importance of an anti-inflammatory diet on long term health.

In 2015 he was voted as one of the top 30 most influential conservationists in the UK by BBC Wildlife Magazine and was listed in the top 100 people making Britain a happier place by The Independent. In 2010 William was appointed MBE for services to health and physical activity.

Dr Bird talks about how health is a means to happiness and retirement is a great opportunity to show who you are and not what you did. He believes our bodies are meant to be active and we're designed to be connected to nature.

The need for care home spaces is predicted to rise dramatically with the ever-increasing life expectancy and growth of debilitating conditions including dementia now prevalent in later life. And planning for that care is something we need to face up to in retirement.

There are many different ways to fund care. Last year, 57,000 people needed to fund the costs of living in a care home. Only 6% opted for a care annuity.

A care annuity is just one option, but it's a relatively little-understood solution. Graham Duffy explains what a care annuity is, the tax benefits and what it may cost you. He also shares the latest thinking on social funding limits, which impact how much of the care home fees you are responsible for paying.

Graham Duffy is a care specialist with Just, a well-established insurance company offering solutions to people who need to self-fund their care. Graham's role is to help people get the best possible outcome at the very end of their retirement.

With 25 years' background in insurance and life expectancy, Graham's knowledge is unquestionable. He leaves us with tips on where to go for specialist advice on how to fund the care you may need and the importance of putting a Power of Attorney in place.

Here's my informative conversation with Graham Duffy, in episode 007 of The Retirement Café Podcast.

You've worked hard to earn your money and want to do everything you can to both protect it and make sure it works hard for you in retirement.

Justin chats with his colleague Rian about how to avoid being negatively impacted by poor pensions advice and financial scams, and ensure you're maximising your State Pension as you head into the New Year.

Making your money work hard is equally important:

Take these tips on board in episode 006 of The Retirement Café Podcast and start 2019 with a positive approach to your money and your financial health.

Dr Ben Hicks has a very refreshing approach to 'The Big D'. A highly engaging and passionate professional who cares deeply about his research topic, and more importantly about his research subjects, Ben explains about the ground-breaking research he's involved with.

Ben is adamant that a dementia diagnosis is no longer a death sentence. In fact, developments in technology and a gradual shift in health professionals' approach to dementia are enabling Ben and his colleagues to challenge public assumptions. Encouragingly, they are experiencing an attitudinal shift amongst those affected by dementia towards Ben's end goal – that of promoting how people can live positively and well with dementia.

Dr Ben Hicks is a psychology lecturer at Bournemouth University and Deputy Director of the Ageing and Dementia Research Centre (ADRC). Having studied how people experience and live with chronic conditions like cancer, an opportunity arose to work on a dementia project and Ben jumped at the chance.

At the age of just 20, Ben faced the difficult situation of seeing his grandmother suffering from dementia. This personal experience fuelled Ben's interest in dementia and he has become one of the leading researchers in the field.

He believes the perception of dementia today is similar to that of the big C – cancer – 20 years ago. But he also believes that being diagnosed with the big D is no longer a death sentence and his groundbreaking research shows how people can live well with the disease for many years, with the right support and understanding.

Here's my fascinating conversation with Dr Ben Hicks, in episode 005 of The Retirement Café Podcast.

Like many of the people we work with, Nick and Debbie approached retirement with some apprehension.

After many years in the Royal Marines and subsequently in the corporate world, the couple faced a devastating life-changing event that made them re-think their future.

Having been offered an opportunity to take redundancy earlier than planned, Nick and Debbie faced the challenges of creating a new life in retirement in their early 50s. Feeling too young to be truly retired, the couple prefer to call this stage of their lives their 'active retirement'.

Nick and Debbie discuss how they've found their purpose and how important that is for a fulfilling retirement. This involves personal, physical and emotional challenges, and giving back to others.

Their newfound freedom and the right attitude to making the most of retirement means that – in Nick's words – "every day is a Saturday".

Here's my interview with Nick and Debbie, episode 004, on The Retirement Café podcast.

At age 15, Ken West began his career planting up cemetery graves.

Maybe a strange career choice for a young lad, but one driven by a deep interest in horticulture. This was the start of Ken's 45 year-long career in bereavement services.

Ken has been involved in over 100,000 funerals, from managing graveyards to crematorium to local authority funeral services. As his knowledge of the reality of traditional funerals grew, Ken's interest in natural burial also grew.

In 1993 he created the revolutionary green funeral market when he opened the world's first natural burial site in Carlisle, which is spreading worldwide. Ken is widely recognised as the country's leading expert in the movement.

Over 45 years of work, Ken improved the burial situation for stillbirths, unchanged since the 1850's, and for foetal remains, wrote the Charter for the Bereaved, introduced the reusable coffin for cremation and created techniques for reducing pollution from cremation. In 2001 Ken was awarded the MBE for his contribution to bereavement services.

Only on his retirement in 2006 did Ken put his vast knowledge and experience of bereavement services to paper, when he published his first two books. The first - 'A Guide to Natural Burial' - is deemed to be the go-to manual for anyone wanting to understand the funeral and natural burial market or take control of their own funeral arrangements. The second is a novel entitled 'R.I.P. Off! Or the British Way of Death'. It provides a unique insight into the world of death and funerals.

Here's my interview with Ken West MBE, episode 003, on The Retirement Café podcast.

I'm delighted to welcome friend and highly respected solicitor, Kurt Lee, to the first interview on The Retirement Café Podcast.

Kurt has over 20 years' experience in tax planning. As well as being a solicitor, Kurt is a Chartered Tax Adviser - and this is what sets him apart. Kurt is partner at Lester Aldridge LLP specialising in Inheritance Tax, Capital Gains Tax and Trust Planning.

Tax rules in the UK are complex. When advising clients, Kurt breaks his tax advice into two distinct areas - tax you pay in your lifetime and tax you pay after death. In this podcast, Kurt discusses some of the strategies you can consider to pass on your hard earned wealth as tax efficiently as possible.

He also chats about how to avoid some of the most common inheritance tax traps people fall into.

Here's my conversation with Kurt Lee, in episode 002 of The Retirement Café Podcast.

In this episode, Justin King shares what you can expect from The Retirement Cafe Podcast.

Over the past 30 years, Justin has helped many people work their way through major transitions in their lives.

Ready or not, we all go through numerous transitions in our lives. These transitions are often life changing events that cause us to re-examine our status quo.

The transition into retirement has to be one of the most significant transitions you will face.

The Retirement Cafe Podcast recognises that the transition into retirement isn't purely a financial event; it's so much more. It's one of those life-changing events that requires you to plan, to adapt and to address those challenges and opportunities face on.

This podcast is designed to help you feel more informed and confident about all aspects of your retirement.

I always love catching up with my good friend and fellow financial planner Pete Matthew—especially when we get to record it for The Retirement Café Podcast.

You may have heard Pete on the podcast before (this is his third appearance!) or seen him on his hugely popular Meaningful Money YouTube channel. We've even swapped mics—I've joined his show twice too! We both share a mission: helping people retire with clarity, confidence, and purpose.

This time, Pete's back to talk about his brand-new book The Meaningful Retirement Guide. It's packed with straightforward guidance on how to organise your finances in retirement—so you can get on with living the life you've worked hard for.

In our conversation, we cover:

The biggest mistake people make when planning their retirement

Why Pete has no plans to stop working—ever!

How one man turned volunteering into a paid role that transformed his retirement plan

The shift from saving to spending (and why it's harder than it sounds)

What your money is really for

As always, I hope it gives you a helpful nudge toward the kind of retirement you truly want.

For those who want to go further, Pete offers a self-paced Retirement Planning Course through his Meaningful Money Academy. The course includes video lessons, downloadable tools, access to financial planning software, and a supportive online community. Use the code PODCAST for a discount.

USEFUL LINKS

📘 Buy Pete's latest book, The Meaningful Money Retirement Guide: https://amzn.to/440BpkP

🎓 Explore the Meaningful Money Academy: https://meaningfulacademy.com/

Connect with Pete:

YouTube: https://www.youtube.com/@MeaningfulMoney

LinkedIn: https://www.linkedin.com/in/petematthew/

Thanks for checking out my podcast - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

CONNECT WITH ME

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📘 Download the first 3 chapters of The Retirement Café Handbook:

https://keap.page/wb198/rch-download-chs-1-3-lp.html

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⚠️ This podcast is for information and entertainment only. Nothing on this channel constitutes financial advice. Please do not make any decisions based on the contents of my videos; seek professional independent financial advice first!

Are you worried about the future of your wealth? You're not alone.

Sweeping reforms to pensions, inheritance tax, business relief, and agricultural relief are coming in 2026 and 2027 — and they could have a major impact on your estate and the legacy you leave behind.

In this must-listen episode of The Retirement Café Podcast, I'm joined by Lucy Obrey, Partner and Head of Private Client at Higgs LLP, to break down what these proposed changes really mean for business owners, landowners, and pension holders — in other words, most of us.

You'll learn:

🔍 Why these reforms mean it's time to urgently review your estate plan

🛡️ How to safeguard your assets with trusts, life cover, and strategic planning

🧾 What you need to know about inherited pensions — and why pension consolidation could simplify your legacy

💰 How to ensure your beneficiaries have liquidity to cover tax bills, without sacrificing your wealth We wrap up with steps to take now to maximise planning opportunities before the rules change. Listen now to learn how to protect your wealth and legacy.

USEFUL LINKS

Higgs LLP website: https://www.higgsllp.co.uk/

Connect with Lucy on LinkedIn https://www.linkedin.com/in/lucy-obrey-70a35133/

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1

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CONNECT WITH ME

Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl

👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

Dr. Daniel Crosby is a psychologist, behavioural finance expert, and New York Times bestselling author, who joins me to discuss his latest book, The Soul of Wealth.

Dr. Crosby, known for his groundbreaking insights into how psychological factors influence financial decisions, shares how his book explores the balance between monetary wealth and what he calls "soulful wealth"—the richness found in relationships, health, and personal fulfilment. With 50 short, actionable essays, The Soul of Wealth serves as a practical guide for those looking to rethink their relationship with money and align their finances with what truly matters in life.

During our conversation, Daniel discusses key insights from his previous books, showing how behavioural finance helps retirees make smarter, goal-driven decisions. We explore how emotions can undermine financial success and how understanding our behaviour leads to better choices in retirement planning. From mastering delayed gratification to spending in ways that boost happiness, Daniel shares practical advice for redefining wealth beyond just pounds and pence.

USEFUL LINKS

Standard Deviations Website: https://www.standarddeviationspod.com/

Standard Deviations Podcast: https://www.standarddeviationspod.com/episodes

Daniel's YouTube Channel: http://www.youtube.com/@drdanielcrosby

Buy Daniel's books: The Laws of Wealth - https://amzn.to/3YqmrCW The Behavioral Investor - https://amzn.to/3UaRgJq The Soul of Wealth - https://amzn.to/3Ud0dSx

Connect with Daniel on LinkedIn https://www.linkedin.com/in/danielcrosby/

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448

CONNECT WITH ME

Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl

👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

George Kinder is a friend, mentor and widely recognised as the Father of the Financial Life Planning movement. For over 30 years, George has trained thousands of financial advisers from 30 countries in life planning, which enables them to help deliver freedom into their clients' lives.

George has published seven books, and central to most is this concept of freedom. His most recent book The Three Domains of Freedom sets out to empower readers to experience profound freedoms in their own lives and bring about positive change to our civilisation as a result.

In our conversation we explore the book's three core concepts, delve into the challenges of balancing mindfulness with future planning, the feeling of insignificance in a chaotic world, and the potential impact retirees can have on society.

George also shares his vision for a more just and sustainable world and the practical steps he suggests for making that vision a reality.

USEFUL LINKS

George's website: https://www.georgekinder.com/ The Kinder Institute of Life Planning: https://www.kinderinstitute.com/

George's books: The Three Domains of Freedom: https://amzn.to/3Xu1I0H A Golden Civilisation: https://amzn.to/47cXgGJ Transforming Suffering into Wisdom: Mindfulness and the Art of Inner Listening: https://amzn.to/3TbKB13 Life Planning for You: https://amzn.to/4g7RNoM The Seven Stages of Money Maturity: https://amzn.to/4cOjGzk Lighting the Torch: https://amzn.to/4e8D7nC

CONNECT WITH ME

Thanks for checking out my podcast - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl

👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!

I'm thrilled to have with us a guest whose work has profoundly shaped the way we think about time, productivity, and living a meaningful life. Oliver Burkeman is a renowned British journalist, author, and former columnist for The Guardian, best known for his groundbreaking book 4,000 Weeks, Time Management for Mortals.

I loved this book and am honoured that Oliver joined me to share his story and research, and to introduce his latest book, Meditations for Mortals - Four Weeks to Embrace Your Limitations and Make More Time for What Counts, which has sparked a global conversation about the finite nature of our lives and how we can make the most of our limited time, especially as we enter the later stages of life.

We chat about how life's too short to wait for the "right" moment, especially for retirees and soon to be retirees, and Oliver urges us to live meaningfully now—not later. After all, time is finite.

USEFUL LINKS

Oliver's website: https://www.oliverburkeman.com/ Oliver on LinkedIn: https://www.linkedin.com/in/oliver-burkeman-51651b21a/ Oliver on X/Twitter: https://x.com/oliverburkeman Meditations for Mortals - Four Weeks to Embrace Your Limitations and Make More Time for What Counts book on Amazon: https://amzn.to/46Xa1oY

✔️ Subscribe to my Channel here ➡️ https://www.youtube.com/c/JustinKingMFP/?sub_confirmation=1

🎙️ Subscribe to The Retirement Café Podcast here ➡️ https://podcasts.apple.com/gb/podcast/the-retirement-caf%C3%A9-podcast/id1441976448

CONNECT WITH ME

Thanks for checking out my YouTube channel - I'm Chartered and Certified Financial Planner Justin King and I help people to retire successfully.

📘 Buy my new book, The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3VDCegl

👉 Get my weekly newsletter: https://bit.ly/MFPNews 👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/ 👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/ 👉 Twitter: https://twitter.com/JustinKingCFP

⚠️ This podcast is for information and entertainment only. Nothing on this podcast constitutes financial advice. Please do not make any decisions based on the contents of my podcasts; seek professional independent financial advice first!