Retire Well with Wealth of Advice
Episodes
65: Riding the Waves: How Market Volatility Impacts Your Retirement Plan
14 Apr 2026
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe dive into one of the biggest emotional challenges for retirees and soon‑to‑be retirees: market vol...
64: Retirement Mistakes to Avoid: The Essential Guide to Smarter Retirement Planning
07 Apr 2026
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe dive into the most common — and often costly — mistakes people make when building up their pension...
63: Retirement FAQs - Pensions, Tax, Gifting & More
31 Mar 2026
Contributed by Lukas
In this Q&A episode, Matthew and Joe tackle the retirement questions they’re asked most often — from YouTube comments to client meetings. Cove...
62: Are You Ready to Retire Psychologically?
24 Mar 2026
Contributed by Lukas
Retirement isn’t just a financial milestone—it’s a major life transition that reshapes your identity, routine, purpose, and sense of fulfilment....
61: How to Create a Tax-Efficient Income in Retirement
17 Mar 2026
Contributed by Lukas
How do you take money from your pension in the smartest, most tax‑efficient way?In this Retire Well episode, Matthew and Joe break down how financia...
60: Tax-Efficient Planning: What to Do Before the Tax Year Ends
10 Mar 2026
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe break down everything you need to know as we approach the 5 April tax year end — whether you're ...
59: Real-Life Retirement Planning: Five Case Studies That Bring Financial Strategy to Life
03 Mar 2026
Contributed by Lukas
In the final episode of our investment mini-series, Matthew and Joe dive into five in-depth case studies that reflect some of the most common financia...
58: How Tax Wrappers Impact Your Retirement Strategy
24 Feb 2026
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe unpack one of the most misunderstood areas of investing: tax wrappers. While the last few episodes foc...
57: Investment Basics - How to Structure Your Investments for Retirement
17 Feb 2026
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe continue their mini‑series on investment basics by diving deeper into one of the most important topi...
56: Investment Basics - How Investing Actually Works
10 Feb 2026
Contributed by Lukas
Investing can often feel complicated, intimidating, or even risky. But in reality, long-term investing is less about predicting markets and more about...
55: Retire Well Live: The Real Value of Advice + Audience Q&A
05 Feb 2026
Contributed by Lukas
Join us for a special live‑recorded episode of Retire Well with Wealth of Advice, captured at our recent client conference with over 100 attendees.I...
54: Pension Basics in Real Life - Five Case Studies to Shape Your Retirement Plan
03 Feb 2026
Contributed by Lukas
This week, Matthew and Joe wrap up the Pension Basics mini‑series by applying the key concepts to five practical retirement scenarios. From small‑...
53: State Pension, Annuities & Guaranteed Income: The Retirement Basics You Need to Know
27 Jan 2026
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe break down two of the most important sources of guaranteed income in retirement: the State Pension and...
52: Pension Basics - Defined Benefit Pensions
20 Jan 2026
Contributed by Lukas
In this episode, Matthew and Joe dive into the world of defined benefit (DB) pensions—often known as final salary or career average schemes. Followi...
51: Pension Basics - Defined Contribution Pensions
13 Jan 2026
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe kick off a new pension-focused mini‑series by going back to basics on defined contribution (DC) pens...
50: Your Top Pension FAQs Answered
16 Dec 2025
Contributed by Lukas
In this final episode of 2025, Matthew and Joe tackle the most frequently asked questions about retirement planning and pensions. Topics include:- Tax...
49: Gifting & Inheritance Tax Explained: How to Give Tax-Efficiently This Christmas
09 Dec 2025
Contributed by Lukas
Thinking about gifting this festive season? In this episode of Retire Well, Matthew and Joe break down everything you need to know about tax-efficient...
48: Breaking Down the Latest UK Budget: What It Means for Your Money
02 Dec 2025
Contributed by Lukas
Join Matthew and Joe as they unpack the latest UK Budget and what it means for your personal finances. In this episode, we cover:✅ Key announcements...
47: How to Avoid Costly Pension Consolidation Mistakes
25 Nov 2025
Contributed by Lukas
Thinking about combining your pension pots? In this episode of Retire Well, Matthew and Joe dive deep into the pros and cons of pension consolidation ...
46: Unmarried Couples & Financial Planning: Protecting Wealth, Property & Pensions
18 Nov 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe dive into the essential financial planning considerations for unmarried couples. With cohabiting coupl...
45: Inheritance Tax Planning: Real-Life Scenarios and What You Can Do Now
11 Nov 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe tackle inheritance tax through five real-life case studies, exploring how upcoming changes — includi...
44: Budget Rumours & Retirement Realities: What Might Change and What It Means for You
04 Nov 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe tackle one of the most common — and complex — retirement questions: How do you know when you have ...
43: How Much Is Enough? Planning Your Retirement with Confidence
28 Oct 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe tackle one of the most common — and complex — retirement questions: How do you know when you have ...
42: Equity Release: Smart Planning or Last Resort?
21 Oct 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe unpack the complexities of equity release — a financial tool that’s shedding its former stigma and...
41: Blended Retirement: Crafting a Flexible Future
14 Oct 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe explore the evolving landscape of retirement planning, focusing on the rise of blended retirement stra...
40: Your Retirement Questions Answered: Tax-Free Cash, Pensions & Estate Planning
07 Oct 2025
Contributed by Lukas
In this special Q&A edition of Retire Well, Matthew and Joe tackle some of the most frequently asked retirement questions from listeners. From tax...
39: Retirement Budgeting: Balancing Today’s Joys with Tomorrow’s Needs
30 Sep 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe dive into the complexities of retirement budgeting. They explore how spending habits shift in retireme...
38: How to Choose the Right Investment for Retirement
23 Sep 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe explore one of the most important — and often misunderstood — aspects of retirement planning: how ...
37: Inheritance Tax & Pensions: Smart Strategies to Pass on Wealth
16 Sep 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe dive deep into one of the most topical financial planning issues today: Inheritance Tax (IHT) and how ...
36: Can You Retire Early? Financial Planning, Case Studies & Real-Life Strategies
09 Sep 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe explore one of the most common questions in financial planning: Can I retire early? They unpack the fi...
35: Adapting Your Retirement Plan: Inflation, Interest Rates & Life Changes
02 Sep 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe dive into how to build a flexible and resilient retirement plan that can adapt to changing circumstanc...
34: Property vs. Pensions: What’s Best for Your Retirement?
26 Aug 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe dive into one of the most debated topics in retirement planning: property versus pensions. Is investin...
33: How to Manage Risk & Income in Retirement: Bucketing Strategy Explained
19 Aug 2025
Contributed by Lukas
Are you approaching retirement and wondering how to structure your income and investments? In this episode of Retire Well, Matthew and Joe dive deep i...
32: Retirement Planning Mistakes to Avoid at 55
12 Aug 2025
Contributed by Lukas
Are you approaching retirement age and wondering if you're truly ready. financially and psychologically? In this episode of Retail Well, Matthew and J...
31: Redundancy & Retirement: Smart Planning for Your Future
05 Aug 2025
Contributed by Lukas
In this episode of the Retire Well podcast, Matthew and Joe dive deep into the topic of redundancy planning and how it intersects with your pension an...
30: Low-Risk Investing in Retirement
29 Jul 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe tackle a listener's question about low-risk investment options in retirement. But they go far beyo...
29: Retirement Planning for Couples - Tax-Efficiency & Emotional Readiness
22 Jul 2025
Contributed by Lukas
In Episode 29 of Retire Well, Matthew and Joe dive deep into the essentials of retirement planning for couples, covering both the financial strategies...
28: Retirement Planning for Business Owners: Pensions, Protection & Tax Tips
15 Jul 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe dive deep into the unique challenges and opportunities business owners face when planning for retireme...
27: Investing for Children & Grandchildren: ISAs, SIPPs, Trusts & Legacy Planning
08 Jul 2025
Contributed by Lukas
In Episode 27 of the Retire Well podcast, Matthew and Joe dive deep into one of the most frequently asked questions from clients: How can I invest for...
26: Tax-Efficient Investing for High Earners: Pension Strategies, Investment Bonds & VCTs Explained
01 Jul 2025
Contributed by Lukas
Are you earning over £100,000 and wondering how to make your money work smarter, not harder? In this episode of Retire Well, Matthew and Joe break do...
25: NHS Pension Explained: What Every NHS Worker Needs to Know in 2025
24 Jun 2025
Contributed by Lukas
In this episode of Retire Well, Joe and Matthew take a deep dive into the NHS Pension Scheme—the UK’s largest defined benefit pension. Whether you...
24: Tax-Free Cash, Pension Transfers & Retirement Planning: Your Questions Answered
17 Jun 2025
Contributed by Lukas
In this episode of the Retire Well Podcast, Matthew and Joe dive into your most pressing retirement questions—from tax-free cash limits and pension ...
23: Phased Retirement Explained: How to Transition Smoothly into Your Next Chapter
10 Jun 2025
Contributed by Lukas
Thinking about retirement but not quite ready to take the leap? In this episode of Retire Well, Matthew and Joe explore the concept of phased retireme...
22: How to Protect Your Wealth for Future Generations | Inheritance Tax & Estate Planning Explained
03 Jun 2025
Contributed by Lukas
In this episode of Retire Well with Wealth Advice, Matthew and Joe tackle one of the most complex and emotionally charged topics in financial planning...
21: How to Use Your Tax-Free Cash in Retirement
26 May 2025
Contributed by Lukas
In this episode of Retire Well with Wealth Advice, Joe and Matthew dive deep into one of the most frequently asked retirement questions: How should yo...
20: How to Prepare for Retirement - Financial & Emotional Readiness Explained
23 May 2025
Contributed by Lukas
Retirement isn't just about the numbers - it's about your lifestyle, your goals, and your peace of mind. In this episode of Retire Well, Matth...
19: Mastering Cash Flow Modelling: Your Roadmap to a Confident Retirement
14 May 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe dive deep into the power of cash flow modelling—a vital tool for building a confident and sustainabl...
18: The Psychology of Investing: How Your Mindset Shapes Financial Success
06 May 2025
Contributed by Lukas
Why do smart people make bad investment decisions? In this episode, we explore the hidden psychological forces that drive investor behavior—from fea...
17: How to Find and Merge Your Lost Pensions
29 Apr 2025
Contributed by Lukas
Ever wondered if you have a lost pension pot worth thousands? You're not alone — millions of people in the UK have missing retirement savings they d...
16: Pensions on Divorce: What You Need To Know Before Splitting Assets
24 Apr 2025
Contributed by Lukas
Divorce can be one of life’s biggest upheavals—and amidst the chaos of splitting homes and navigating legal documents, pensions often fall to the ...
15: What Does a Financial Planner Really Do?
15 Apr 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe break down the often-misunderstood world of financial planning. 💼💡 Whether you’re nearing reti...
14: New Tax Year - Retirement & Tax Planning in 2025
08 Apr 2025
Contributed by Lukas
Welcome to a new tax year! 🎉 In this episode of Retire Well, Matthew and Joe break down what retirees and soon-to-be retirees should be thinking ab...
13: Final Salary Pensions Explained: How They Work & What You Need to Know
01 Apr 2025
Contributed by Lukas
Final salary pensions, also known as defined benefit pensions, have long been considered one of the most secure ways to fund retirement. But how do th...
12: Tax-Efficient Drawdown Strategies for Retirement
25 Mar 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe break down one of the most important aspects of retirement planning: how to draw income from your pens...
11: Beyond Pensions: Alternative Investment Strategies for Retirement
18 Mar 2025
Contributed by Lukas
In this episode of Retire Well, Matthew and Joe explore the non-pension side of retirement planning, diving into smart investment strategies to supple...
10: Annuities v Drawdown: Which Retirement Strategy Works for You?
11 Mar 2025
Contributed by Lukas
Episode 10: Annuities vs. Drawdown – Which Retirement Strategy Works for You?In this episode of Retire Well, Matthew and Joe dive into one of the mo...
9: Understanding Pension Drawdown
04 Mar 2025
Contributed by Lukas
In this episode of Retire Well with Wealth of Advice, Matthew and Joe dive into one of the most popular ways to access pensions today—drawdown. They...
8: Annuities Explained - Guaranteed Income in Retirement
25 Feb 2025
Contributed by Lukas
In this episode of Retire Well, we dive deep into annuities—what they are, how they work, and why they’ve made a comeback in retirement planning. ...
7: State Pension 2024/25: What You Need To Know
18 Feb 2025
Contributed by Lukas
In this episode, we break down the latest figures, including the New and Basic State Pension rates, the impact of the Triple Lock, and additional pens...
6: Investment Options Within a Pension
11 Feb 2025
Contributed by Lukas
In this week's episode of Retire Well with Wealth of Advice, Joe and Matthew discuss how a lack of understanding around pension investments is a recur...
5: How Much Do I Need To Retire Comfortably? | Retire Well Podcast
04 Feb 2025
Contributed by Lukas
In this episode of the Retire Well with Wealth of Advice podcast, financial planners Joe Phillips and Matthew Sinclair explore the critical topic of h...
4: What Happens To Your Pension When You Die?
28 Jan 2025
Contributed by Lukas
In this episode of the Retire Well with Wealth of Advice podcast, financial planners Joe Phillips and Matthew Sinclair explore the critical topic of p...
3: Your Pension FAQs Answered - Tax, Retirement Age and Planning Tips
21 Jan 2025
Contributed by Lukas
In this episode of the Retire Well Podcast, we address themost frequently asked questions about pensions and retirement planning. From understanding t...
2: What Is A Pension And Why Should You Care?
14 Jan 2025
Contributed by Lukas
In this episode, our Financial Planners, Matthew and Joe, unpack one of the most frequently asked topics in financial planning: pensions. Whether you’...
1: New Year, New Goals: A Financial Planner's Guide to Smart Resolutions
07 Jan 2025
Contributed by Lukas
In this episode of Retire Well, two experienced financial planners from a Chartered Financial Planning Firm, Matthew and Joe, come together to help yo...