Tony Talks Wealth Podcast

100th Episode: What Does Wealth Mean To You?

Sun, 23 Oct 2022 23:00:00 GMT

Welcome to the 100th episode of Tony Talks Wealth! Listen to Tony talk to wealth experts from many of his recently published podcasts and share their wisdom on the question that Tony asks all his guests ; What does wealth mean to you?
Sign Up Now For These Exclusive Podcasts and MORE Tony Talks Wealth Content at https://www.patreon.com/TTWealth

GUESTS

Steve Conley
Bev Jones
Kristina Wise
Fanny Snaith
Angel Ribo
Jim Meulhhausen
Rick Heyland
Joseph Wilkins
Dr Clemen Chiangmai
EA Csolkovits

BEST MOMENTS
‘The three kinds of wealth, financial wealth, health, and social wealth. Entrepreneurs are terrible about two of those three! They are! They work too much, they don’t have work-life balance.’
‘Work hard is the secret ingredient that surpasses everything from your I.Q. to your E.Q. to your family background if you are willing to work hard.’
‘It’s balanced and successful in all areas of my life and focusing on the most important things, whether it be spiritual, my health and fitness, my relationships or my work and finances. Those are the four buckets that I generally think about.’
‘I am a multi-millionaire when it comes to my life. Really, I am. When it comes to the most amazing family, the most amazing friends. I’m so fortunate that I’ve got good health, and my family has got good health.
VALUABLE RESOURCES
Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth
Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth
ABOUT THE HOST
Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.
“Live For Today, Invest For Tomorrow”
CONTACT METHOD
Tony’s official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Individual Savings Accounts

Sun, 09 Oct 2022 23:00:00 GMT

Individual Savings Accounts (ISA) are a great way of saving and minimising the amount of tax you have to pay on your investment returns. Tony talks about the different kinds, how they work and how they can benefit you and your Investment Plan.
KEY TAKEAWAYS

Some ISA’s give you instant access to your money and can be used to plan your finances in the short term. You can also invest in an ISA for the future.
If you are a UK resident over the age of 18 you can open up one of each kind of ISA over the tax year. Cash ISAs do not invest in the stock market and the investment relies on interest rates. It can act as an emergency access fund for expenses.
Stocks and Shares ISAs is a tax efficient investment that allows you to invest your money in shares, government bonds or property with the assurance that you won't pay any capital gains tax or income tax on the proceeds.
The Innovative Finance ISA. It allows you to lend money through peer to peer lending platforms to allow you to receive tax free interest and capital gains.

BEST MOMENTS
‘In the current tax year 2022/23 you can put £20,000 into your tax efficient ISA before the end of the financial year on the 5th April.’
‘The main factors to consider when choosing between a cash ISA and a stocks and shares ISA are the length of time you’ll be saving or investing.’
‘Peer to peer lending is a higher risk form of investing and your capital is completely at risk as there is no protection from the Financial Services Compensation Scheme.’
VALUABLE RESOURCES
Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth
Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth
ABOUT THE HOST
Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.
“Live For Today, Invest For Tomorrow”
CONTACT
Tony’s official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Understanding Your Risk Tolerance

Sun, 02 Oct 2022 23:00:00 GMT

Risk tolerance is one of the biggest factors in your investment decision process. Tony talks about how to decide how much risk to take depending on your circumstances, goals and individual comfort level when it comes to risk.
KEY TAKEAWAYS

Consider how you would feel if your investments lost money in the short term. If this makes you anxious, you may be significantly risk averse. If you are comfortable with this circumstance, however, you may be able to take on more risk.
Understanding if you are comfortable with volatility or stability and slower growth will help you decide which investments to make and over what time period.
There is no such thing as a no risk investment but manage it by diversifying over the long term.

BEST MOMENTS
‘Your potential returns available from different kinds of investment and the risk involved change over time as a result of economic, political and regulatory developments.’
‘Volatility is a measure of how much prices fluctuate over time. Investments that are more volatile have bigger ups and downs in value, while less volatile investments will have slower steadier price increases.’
‘An interest rate risk is a particular risk for bond holders. We all have our own individual risk tolerance, and it's important to establish what that is.’
VALUABLE RESOURCES
Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth
Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth
ABOUT THE HOST
Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.
“Live For Today, Invest For Tomorrow”
CONTACT
Tony’s official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Taking Control Of Your Finances

Sun, 25 Sep 2022 23:00:00 GMT

Investing can be a very complicated and confusing process, especially for those who are new to it. There are so many options and strategies out there and it can be difficult to know where to start. Having a clear understanding of what you are hoping to achieve and your current finances is essential before you start to decide how you are to move forward toward your goal. Tony talks about how you can achieve this.

KEY TAKEAWAYS

Cash Flow Modelling (CFM) is a powerful tool that can help you take control of your finances and move toward your investment objectives.
With CFM you can clearly understand your financial situation, identify any areas where you may be overspending, discover opportunities to save, make more informed decisions about investments and set realistic goals.
CFM provides a detailed picture of your investments, debts, income and expenditure.
This system creates different scenarios based on future decisions you may make and illustrates the effect they will have on your finances.
You will need periodic checks to ensure that your plan is on track and make any necessary alterations.

BEST MOMENTS

‘By creating a model of your income and expenditure you can see exactly where your money is going and make informed decisions on how best to manage your resources.’

‘The process shows your current position relative to your preferred position and your goals by assessing your current and forecast wealth along with income inflows and expenditure outflow.’

‘A snapshot in time is taken of your finances with calculated rates of growth, income, tax and so on.’

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, and Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony’s official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Goals Based Investing

Sun, 18 Sep 2022 23:00:00 GMT

Goals based investing is a great way to make wise financial decisions when you are overwhelmed by the choice in investment options. Tony talks about how to navigate the myriad of investment products available today by clarifying what you are really aiming for in the future.
KEY TAKEAWAYS

A variety of financial goals such as retirement, home purchases or saving for a child’s education can be specified specifically to make choices on investments.
Focus on the long term. You are less likely to make impulsive, short term decisions.
Have a disciplined approach to investing to avoid spoiling your progress with spending sprees and costs.
When you have a concrete set goal you have increased motivation. Set yourself realistic goals.

BEST MOMENTS
‘Goals should be clear, concise, detailed and written down because, remember, unwritten goals are just wishes.’
‘In order to achieve all of your goals you will need a plan. Starting from assets you already have available, you will need to determine how much more you will need to accumulate and when you will require it.’
‘Decide what you want to achieve. This may seem obvious but it is important to take the time to really think about your goals.’
‘Give yourself realistic deadlines.’
VALUABLE RESOURCES
Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth
Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth
ABOUT THE HOST
Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.
“Live For Today, Invest For Tomorrow”
CONTACT
Tony’s official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

How To Maximise Your Pension Savings

Sun, 11 Sep 2022 23:00:00 GMT

Tony talks about how to make the most of your pension pot so you can get back to dreaming about your retirement and not dreading it. Many people are feeling financial pressure at the moment, and it can be difficult to consider the future, but even with current conditions there are ways you can maximise your pension opportunities.

KEY TAKEAWAYS

When offered the opportunity to join a workplace pension it is always a good idea to do so due to the contributions they make.
You also get extra money from the government in your tax payments on any contributions you make.
The state pension will not cover everything.
Keep on track of all your pension plans. It is important to have a retirement lifestyle in mind so you have an idea of how much money you will require.

BEST MOMENTS

‘Your employer's contribution on top of that which at the very least must be equivalent to three percent of your earnings.’

‘Each time you defer paying into a pension plan you miss out on the extra boost of tax relief from the government.’

‘It’s important to remember that the state pension won’t be available until your late sixties.’

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony’s official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Develop a Robust Retirement Plan

Mon, 05 Sep 2022 09:46:48 GMT

The key to a robust retirement is having a good idea of the plans that you have for when you reach your chosen age. To keep up your lifestyle in your golden years you need to be sure of your pension and financial situation. Tony talks about what you need to know when working on your future.

KEY TAKEAWAYS

Retain a professional Financial Advisor to achieve the retirement that you want.
Currently only half of those with assets over £100,000 to £500,000 excluding property are planning to take professional financial advice.

BEST MOMENTS

‘With so much going on in your life, from family and work, to pursuing your passion, retirement planning may not have been your priority, but now you want to make sure your pension and overall financial situation will allow you to keep up your current lifestyle and enjoy your golden years.’

‘Only 39% of pension holders are planning on taking financial advice when they retire, with 31% planning a do-it-yourself retirement.’

‘These are just a few of the questions your professional Financial Advisor will be able to help you with.’

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony’s official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Is Inflation Eating Your Savings ?

Sun, 04 Sep 2022 23:00:00 GMT

Tony talks about the erosion that occurs in your savings with the current inflation rates and how you can benefit from tax relief in the coming year.

KEY TAKEAWAYS

Tax efficiency is a key consideration when investing because it can make such an enormous difference to your wealth and quality of life.
One way to avoid tax is to contribute to an individual savings account (ISA) and take advantage of up to £20,000 tax free with a stocks and shares ISA.
A cash ISA allows you to earn interest on your savings without having to pay any tax on interest earned.
Junior ISA are for those under 18 without a trust fund account. Up to £9000 can be put in a Junior ISA and can be used for a wide range of purposes such as education or training costs.

BEST MOMENTS

‘The type of investment and tax efficiency that you should be looking at will depend firstly on whether your priority is to save a lump sum for the future or to draw an income today.’

‘Not only will your investment grow tax efficiently, you’ll also benefit from the potential for capital gains.

‘Another option is a Lifetime ISA or LISA. If you are looking to save for retirement or to buy your first home you may also want to consider opening a LISA. With a LISA you can save up to £4000 in the current tax year. The government will add out to 25% to any savings held in a LISA up to a maximum of £1000 a year.’

‘If you earn over £100,000 making personal pension contributions can be highly advantageous.’

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony’s official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Retirement Brings More Freedom, Plus Greater Responsibility

Sun, 21 Aug 2022 23:00:00 GMT

In this episode Tony talks about the difference between individuals' personal plans towards retirement and some of the extra challenges previous generations of savers never had to worry about.

KEY TAKEAWAYS

Life expectancy is longer than ever before which means you need your money to last much longer.
More companies are moving away from Defined Benefit Pensions which guarantee you a certain amount of money in your retirement. Defined Contribution Plans are much more subject to the ups and downs of the market.
A mixture of various investments further individualises many peoples approach to retirement planning.
Six tips to consider using if you have a Money purchase Pension or Defined Contribution Pension are ; use pay rises as an excuse to pay more. Pay in more when a regular spend ends. Maximise any possible employer contributions. Invest any lump sums you receive. Put off breaking into your pension pot. Be cautious about your investment choices.

BEST MOMENTS

‘One question I get asked every single day is how much money will I actually need when I eventually retire?’

‘Some people are unprepared for retirement due to high debt levels at the end of their working lives, or because they were not saving enough during their lifetime.’

‘Being aware of the options available to you can help you prepare for your future in an effective way.’

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony’s official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Accessing Your Pension

Sun, 14 Aug 2022 23:00:00 GMT

Tony talks about the requirements of withdrawing your pension and the five things you need to carefully consider before doing so. Currently you can access your pension from the age of 55, changing soon to 57 unless you have a protected pension age, so if you are approaching these birthdays it's worth checking out Tony’s advice.

KEY TAKEAWAYS

Pension Freedoms. Consider your pensions accessibility arrangements.
Savings Requirements. How much will you need each month to maintain your lifestyle?
Future costs. You need to consider care needs and inheritance planning.
Health and Life Expectancy of both you and your partner.
Obtain professional advice to make sense of the complications of the financial decisions of retirement.

BEST MOMENTS

‘There’s a lot to think about when you withdraw money from your pensions because it’s a huge decision as it has major implications on how long that money lasts for throughout your retirement.’

‘We often vastly underestimated this but evidence shows that we are mostly living longer.’

‘How long will I need my money to last? How long do I want to keep working? How much tax might I pay?’

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony’s official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

The Changing Retirement Landscape

Sun, 07 Aug 2022 23:00:00 GMT

With many people living longer expectations of retirement are being reshaped and there is no longer a one size fits all approach to retirement planning. Tony talks about the many choices and options available to you in your retirement bearing these changes in mind.

KEY TAKEAWAYS

It's important to consider loved ones over the course of one's retirement.
Find out if your pension will cover your finances throughout your retirement or if you should be investing your savings.
Do not leave your retirement planning too late.
Find out how much you need to save for your retirement, how do you save on tax efficiently and how do pensions work.

BEST MOMENTS

‘To different people, retirement means different things. Retirement offers the gift of time to do the things that matter most.’

‘At this point do you feel confident about retirement? Pensions can seem complex and overwhelming for many.’

‘What happens when we’ve left the nine to five behind? Whatever retirement looks like to you it's important to make the right plans now.’

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony’s official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Cost of Saver Inaction

Sun, 31 Jul 2022 23:00:00 GMT

Many savers believe that inflation will have no impact on their savings or even leave them better off. In this episode Tony spells out the real effect that inflation can have on your savings and what to do about it.

KEY TAKEAWAYS

The total cost of saver inaction, if inflation continues over the next five years, could amount to 18 billion pounds.
Work out how much of your savings you need to put aside for easy access emergency funds.
Get the best interest rate you can on your savings. Remember, though, that those rates offered can drop dramatically over time, so always keep an eye and be prepared to switch when necessary.
Think about investing your money or topping up your pension to beat inflation.

BEST MOMENTS

‘More than half of all cash savers don’t understand what impact inflation will have on the real value of their cash savings over time.’

‘As a rule of thumb, aim to cover your essential expenses for between three to six months.’

‘The key thing to remember is that investing is for the long term.’

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony’s official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Investing - 10 Key Principles That Every Investor Needs To Know

Sun, 24 Jul 2022 23:00:00 GMT

Investing is one of the most important things you can do to secure your financial future. Tony shares the10 principles that should be applied when choosing and managing your investments.

KEY TAKEAWAYS

Set investment goals.
Plan on living a long time and saving more for it.
Cash is rarely king, inflation can erode your purchasing power.
Start early and reinvest investment income.
Be realistic about your objectives and what you can achieve when it comes to choosing risk.
Market volatility is normal.
Timing the market is difficult. Stay long term.
Diversify your investments.
Review your portfolio regularly.
If it seems too good to be true, it usually will be.

BEST MOMENTS

‘You have the peace of mind in knowing that you have everything you need to do to invest with confidence.’

‘The higher the potential return the higher the risk involved.’

‘Promises of high returns with little or no risk are always too good to be true.’

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony’s official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Signs You Are Really Ready To Retire

Sun, 17 Jul 2022 23:00:00 GMT

So when is the right time to retire? There's no one size fits all answer to this question, because it very much depends on your personal circumstances. However, there are a few things to consider that may help you to decide when the time is right for you. Tony details what information and circumstances you should be looking out for to know the right time has arrived.

KEY TAKEAWAYS

Do you have enough saved up to provide for yourself in retirement? If not, you may need to work longer to ensure a comfortable retirement.
Good health means you will be able to enjoy a longer retirement, however poor health will mean retiring sooner in order to enjoy your retirement while you are still in good health.
Inflation is an important factor to consider for retirement. Rising prices can quickly begin to eat into your savings.
Consider when you want to retire and what kind of lifestyle you want after retirement.
One way to find out if you have sufficient finance to create a suitable lifestyle after retirement is to create a retirement cash flow. This shows how much income you can expect to receive from various sources.

BEST MOMENTS

‘Do you enjoy your job or work? If not, you may be ready to retire sooner. On the other hand, if you love your job or what you do, you may want to keep working even after you reach retirement age.’

‘Inflation can also cause your living expenses to go up and this can lead to a reduction in your standard of living. Clearly high inflation can make it harder to save for your retirement.’

‘What is your attitude to investment risk because when it comes to investing there is always some element of risk involved. It’s important to understand your own attitude towards risk before making any investment decisions.’

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

The TT Wealth July & August Newsletter Bundle

This podcast was brought to you by Progressive Media, for more information on how to start, grow and monetise your podcast head over to the training at https://bit.ly/poa3073

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony’s official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

Book a Call: https://calendly.com/ttwealth/30min?month=2022-07

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Pound Cost Averaging

Sun, 10 Jul 2022 23:00:00 GMT

When investing, market volatility can often cause rash decisions that can often be unnecessary and harm your long term outlook while trying to achieve short term peace of mind. This is why it's important to take a 10 year or more view to enable cool-headed rational responses to sharp financial movement in either direction.

KEY TAKEAWAYS

Trying to second guess events and make bets on them rarely pays off and deters many from investing.
A safe option for risk averse investors to undertake is to save regular amounts which enables the avoidance of trying to second guess market movements. This is Pound Cost Averaging.
Rather than a single, risky lump sum investment you drip feed investments over a longer period effectively reducing the risk of loss by minimising the size of the investment at any one time. Any negative event will not influence large amounts of your money.

BEST MOMENTS

‘Do you invest it all at once or bit by bit and will soaring inflation, rising interest rates and further supply chain disruptions or fuel market volatility impact on your lump sum investments?’

‘Past performance is not a guide to what might happen in the future and the value of your investments may go down as well as up.’

‘As an individual investor it is likely that you will find it almost impossible to make money through market timing. Even professionals struggle to do this.’

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

The TT Wealth July & August Newsletter Bundle

This podcast was brought to you by Progressive Media, for more information on how to start, grow and monetise your podcast head over to the training at https://bit.ly/poa3073

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony’s official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

Book a Call: https://calendly.com/ttwealth/30min?month=2022-07

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Building Financial Wealth

Mon, 04 Jul 2022 00:00:00 GMT

Tony explains the six key principles to ensuring your financial prosperity for a secure future. Understanding your targets, preferred investment types and tolerated risk level is essential before you embark on a well rounded investment plan, but what should you keep in mind as you move forward towards your goals?

KEY TAKEAWAYS

Have a strategy and stick to it.
Think twice before putting all of your money in cash.
Diversify and consider your investments as a whole.
Invest as early as you can.
Resist activity bias, the urge to do something in a crisis.
There is no substitute for a strategy that is tailored specifically for you.

BEST MOMENTS

‘If you are new to investing, knowing where to start can be a daunting task. The reality is that people should start saving and investing as early as possible.’

‘Investors and retirees looking for reassurance during challenging stock market times can take heart in these time tested investment principles.’

‘Every single investors needs are different. A professional financial advisor can help you take the emotion out of investing and provide an objective view.’

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony’s official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Navigating The Costs Of Living Crisis

Mon, 27 Jun 2022 00:00:00 GMT

We know that rising inflation and increases in taxes are set to leave millions worse off in 2022 and beyond. Households are already grappling with the worst cost of living crisis in a generation. Budgets have been further squeezed by a raft of price and tax rises, and inflation is the highest it has been for 30 years. Tony offers ten tips to help you manage through this difficult period.

KEY TAKEAWAYS

Save money on your energy bills. If you are finding budgeting for energy bills difficult consult your energy provider or a debt advice charity. Check out how to cut your energy use.
Try using a petrol price checker site to ensure you always buy your fuel from the cheapest source. Change your driving style to avoid hard acceleration and high speeds to reduce your consumption.
Plan your meals for a week and stick to it to avoid unnecessary impulse purchases.
Check if you would save money if switching to a water meter.
You can pay a lower Council Tax if you live alone and if you are in receipt of certain benefits or on a low income you can gain a reduction of up to 100%.
Review your bank statements and credit card bills to ensure you are aware of all your outgoings and cut out unnecessary spending. Draw up a monthly budget.
If you are paying high interest rates on your cards or loans then consolidate.

BEST MOMENTS

‘The government website which is simply “Energy Advice” has tips on how to keep your energy bills down so that’s worth checking out.’

‘You can use The Consumer Council For Waters calculator and if you are on certain benefits and have a large family or someone with a particular medical condition you may qualify for the Water Sure Scheme, which caps water bills.’

‘Check if your are entitled to state benefits. Billions of pounds of state benefits go unclaimed each year and you could be missing out. The national charity “Turn 2 Us” has a free and confidential benefits calculator on its website.’

VALUABLE RESOURCES

Government Energy Saving Advice

https://www.simpleenergyadvice.org.uk/

Fuel Price Checker

https://www.petrolprices.com/

Water Sure Scheme

https://www.citizensadvice.org.uk/consumer/water/water-supply/problems-with-paying-your-water-bill/watersure-scheme-help-with-paying-water-bills/

Turn 2 Us Benefits Calculator

https://benefits-calculator.turn2us.org.uk/

Money Helper Budget Planner

https://www.moneyhelper.org.uk/en/everyday-money/budgeting/budget-planner

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony’s official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Dealing With Divorce

Sun, 19 Jun 2022 23:00:00 GMT

For very many couples divorce is a sad outcome, emotionally and financially. However, there are many things you can do to make the process easier should this unfortunate situation occur.

KEY TAKEAWAYS

Since April 2022 a ‘no fault' divorce came into effect in England and Wales. This finally removes a need for blame as a basis for divorce. The respondent to a divorce is also no longer able to contest it.
Seek legal and separate financial advice immediately. A Financial Consultant can consolidate all your finances so any legal decisions on advice can be taken with accurate information.
Cancel any financial commitments in joint names immediately including credit cards, joint accounts, loans and even overdrafts.
In England, Wales and Northern Ireland the total value of the pensions you have each built up is taken into account excluding the basic state pension. In Scotland only the pensions you have accrued during your marriage or civil partnership are applied.

BEST MOMENTS

‘Keeping a level head to negotiate a fair financial settlement is absolutely vital.'

‘You will need to draw up a list of assets that are first and second homes, pension pots, investments, value of any businesses etc, etc.'

‘Normally anything built up before you were married or after your date of separation does not count.'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Fed Up With Your Nine-To-Five

Sun, 12 Jun 2022 23:00:00 GMT

There are many factors that can influence when someone decides to retire, which Tony will explore in more detail in this episode. For some, it might be based on health reasons, while others may want to take advantage of government benefits or simply enjoy a more relaxed lifestyle. However one of the most common factors that determines when people choose to retire is definitely their age. So with that in mind, what is the most popular age to retire early?

KEY TAKEAWAYS

The most popular age currently to choose to retire is 60.
More than half of early retirees report a boost to their mental wellbeing, however nearly half report a drop in their financial situation.
Financial factors such as a career based company pension, paying off a mortgage or substantial savings convince someone to embrace early retirement.

BEST MOMENTS

‘Another key factor is wanting to enjoy more freedom and 1 in 4 of us are planning to celebrate our 60th birthdays by leaving work behind.'

‘Women are the most likely to have felt a negative financial impact from retiring early.'

‘Money worries are one of the biggest factors resulting in people returning to work.'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Wills, Lasting Powers of Attorney, Trust and Estate Planning Specialists - Kinherit

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Lifetime Transfers

Sun, 05 Jun 2022 23:00:00 GMT

In the last in his series on estate planning Tony explains the use of Lifetime Transfers to decrease the eventual tax liability left to your inheritors by giving away funds before your passing. However, there are still liabilities payable depending on when you pass.

KEY TAKEAWAYS

Inheritance tax exemptions can be achieved by means of making certain exempt transfers which apply in a number of cases, including wedding gifts, life insurance premiums, gifts to your family and charitable giving. If appropriate, you can transfer some of your assets while you're alive.
Gifts to a spouse, for example, are fully exempt so are not subject to inheritance tax. Where a potentially exempt transfer fails to satisfy the conditions to remain exempt, because the person who made the gift died within seven years, it's value will form part of their estate.
For survival for between three and seven years, taper relief at the following rates are available ; in the first three years, there is no reduction, and between three and four years, there's a 20% reduction. Within four to five years it's 40% and five to six years its 60%. Between six and seven years is 80%.

BEST MOMENTS

‘Potentially exempt transfers are lifetime gifts made to a individuals which includes gifts to bare trusts.'

‘The inheritance tax due on the potentially exempt transfers is deducted from the total inheritance tax bill and the estate is liable for the balance.'

‘The inheritance tax difference can be calculated and covered by a level or decreasing policy written in an appropriate trust.'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Wills, Lasting Powers of Attorney, Trust and Estate Planning Specialists - Kinherit

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Lasting Power of Attorney

Sun, 29 May 2022 23:00:00 GMT

In this episode Tony continues further on his estate planning series with an explanation of the lasting power of attorney (LPA). These agreements allow individuals to make decisions that can effect them in the unfortunate event that they are incapacitated from making those decisions themselves.

KEY TAKEAWAYS

An individual can create an LPA covering all their affairs or just their health and welfare.
At the point the appointed attorney believes their donor is losing their mental capacity they must apply to The Office of Public Guardian to register the LPA to attain continuing authority.
A code of practice applies to holders of LPAs including the requirement to keep the grantee's funds separate from their own or anyone else's.
There are strict limits on the gifts that attorneys can make on the donors behalf.

BEST MOMENTS

‘It's possible to appoint the same or different attorneys in respect of each lasting power of attorney and both versions contain safeguards against possible misuse.'

‘Applications for a lasting power of attorney must be accompanied by a certificate confirming the granter understands what they are doing completed by a solicitor or medical practitioner.'

‘Instructions relate to things the attorney should or shouldn't do when making decisions. For example, not selling the donor's home unless a doctor states the donor can no longer live independently or a particular dietary requirement could be examples.'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Wills, Lasting Powers of Attorney, Trust and Estate Planning Specialists - Kinherit

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Making a Will - Leaving Your Legacy Behind

Sun, 22 May 2022 23:00:00 GMT

Tony continues his series on estate planning with the consideration of making a will. Talking about your death with relatives and professionals is a difficult conversation to have, but it is vital if your wishes are to be respected and enacted upon your passing.

KEY TAKEAWAYS

Unmarried couples have no right to any of the estate if there is no will.
A will is essential to mitigate a potential inheritance tax liability.
Where a person dies without a will the distribution of the assets is subject to statutory rules called intestacy.
A consequence of intestacy is the estate may have to include benefits to children as well as a spouse or civil partner.
Separated spouses still not yet divorced continue to have rights to the deceased estate.
If the deceased has no surviving relatives the property goes to the crown.
Relatives will usually be expected to be executors and may be unsuited to the role.
Jointly owned properties and possessions can be a way of protecting your spouse, allowing them to have access to joint bank accounts, for instance, before the estate is settled.

BEST MOMENTS

‘The beneficiaries of the deceased person that they may want to benefit from the estate may be disinherited.'

‘An unmarried partner doesn't automatically inherit anything and may need to go to court to claim for a share of the deceased assets.'

‘There may also be liabilities that may need to be included and taken into account and may include mortgages, could be credit card balances, could be bank overdrafts, could be loans or indeed equity release.'

‘There is also something called a partial intestacy. This can sometimes happen even when there is a will in place, for example, when a will is not valid or when it is valid but the beneficiaries die before the testator.'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Wills, Lasting Powers of Attorney, Trust and Estate Planning Specialists - Kinherit

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Why Make a Will and Lasting Powers of Attorney ?

Sun, 15 May 2022 23:00:00 GMT

Tony continues with his series on inheritance and safeguarding your estate for your family with this episode on why wills and power of attorney agreements can be vital.

KEY TAKEAWAYS

If you don't create a will in readiness for your passing your estate could be inherited by someone you had not envisioned taking over your wealth and assets.
The Health and Welfare Lasting Power of Attorney allows you to appoint an attorney to make decisions about matters such as your medical care, where you live, your daily routine such as what you eat and what you wear, whom you have contact with and whether you have life sustaining treatment only if you have given express permission.
The Property and Financial Affairs Lasting Power of Attorney gives your attorney the power to do things such as buy and sell your property, pay your bills, collect your pension or benefits, and manage your bank accounts.
Only 13% of adults have written a living will which is used to provide advanced decisions on refusing medical treatments if you become terminally ill or lose the ability to make decisions for yourself.

BEST MOMENTS

‘Worryingly 3 in 5 UK adults have not written a will and that's research carried out by Canada Life.'

‘What we need to remember is that a will can provide peace of mind that not only will the correct beneficiaries benefit from an estate distribution, but also that it is done as efficiently as possible at such a difficult time.'

‘A will can help reduce the amount of Inheritance Tax that might be payable on the value of a property and monies that you leave behind.'

VALUABLE RESOURCES

Wills, Lasting Powers of Attorney, Trust and Estate Planning Specialists - Kinherit

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

The Inheritance Tax Trap

Sun, 08 May 2022 23:00:00 GMT

More and more families are becoming subject to Inheritance Tax currently and it has become increasingly important to make plans for this eventuality in balance with your other financial priorities. Tony talks how you can reduce your families Inheritance Tax liability and how the current rules affect you.

KEY TAKEAWAYS

Inheritance Tax was introduced in 1986 replacing the old Capital Transfer Tax which itself replaced Estate Duty.
The Government has frozen the 325k lifetime exemption allowance, which has resulted in inflation eroding this total over time.
Money left to spouse or to a registered civil partner will be exempt from Inheritance Tax.
Inheritance Tax is payable at 40% on the amount exceeding the exemption allowance threshold.

BEST MOMENTS

‘Effective estate preservation planning could save a family a potential inheritance tax bill amounting to hundreds of thousands of pounds.'

‘Unmarried partners, no matter how longstanding, have no automatic rights under the Inheritance Tax rule.'

‘In some circumstances Inheritance Tax can also become payable on the lifetime gifts themselves, although gifts made between 3 and 7 years before death could possibly qualify for rate relief which reduces the amount of Inheritance Tax payable.'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Wills, Lasting Powers of Attorney, Trust and Estate Planning Specialists - Kinherit

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Intergenerational Wealth Transfer Plans

Sun, 01 May 2022 23:00:00 GMT

Continuing with the topic of estate planning, Tony discusses the importance of Intergenerational Wealth Transfer Plans in the current climate of rising net worth and mortality rates. The earlier you put your plan in place the less you will have to give to the tax man in Inheritance Tax.

KEY TAKEAWAYS

By 2027 it is predicted that wealth transfers will nearly double from £69 billion to £115 billion.
Unplanned Inheritance arrangements can cause conflicts that can create rifts within the family. Children may have been expecting to receive a certain amount of money from their parents.
Ensure the younger generations are prepared to handle the complications of wealth including the financial management.
By making advanced preparations the burden of filing any Inheritance Tax returns can be reduced.

BEST MOMENTS

‘For those approaching or already in retirement it's important to have frank and open conversations with children about expectations.'

‘Everyone works hard to provide for their family and perhaps even leave them with a legacy. However parents approaching retirement shouldn't feel that their family is solely reliant on them or that they need to be responsible for their children's financial situation.'

‘This type of planning can be extremely complicated and for some people, they may be able to do this for themselves. But for the vast majority, they will need expert advice.'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Wills, Lasting Powers of Attorney, Trust and Estate Planning Specialists - Kinherit

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

How To Keep Wealth In The Family

Sun, 24 Apr 2022 23:00:00 GMT

To keep wealth within your own family, Tony explains how to make suitable plans for how much you can safeguard for the people that you care about on your departure. Inheritance tax can cost families thousands of pounds but there are ways to legally avoid paying this tax.

KEY TAKEAWAYS

Without making suitable plans your loved ones could face the prospect of paying 40% tax on the value of everything you leave for them above a certain threshold.
Estate planning gives you control over what happens to your assets when you pass away. It also ensures that the assets are transferred in an orderly and uncomplicated fashion at a time when complicated financial issues are most unwelcome.
Write a will. A will puts you in control of what happens to your assets as well as appointing who is in control of those assets and their distribution after your death.
Make a Lasting Power of Attorney. Consider preparing these documents to be ready to put in place should you become incapacitated from managing your own affairs.
Plan for Inheritance Tax. Gift assets while you are still alive which you can do up to the value of £325,000. Gift allowances are up to the value of £3000 which cannot be taxed unless you survive 7 years beyond the date of transfer. Wedding gifts are allowable up to £1000 per person, or £2500 for a grandchild and £5000 for a child
Consider investment in inheritance tax exempt assets. The Enterprise Investment Scheme gains tax relief via business relief subject to a 2 years holding period.
Life insurances kept in trust can avoid inheritance tax by being paid directly to your inheritors rather than your estate with no need for probate.

BEST MOMENTS

‘If you pass away and don't have provisions in place to preserve and protect your assets then your family may end up spending a substantial amount of time and money battling over your wealth.'

‘The process involves developing a clear plan that details how you would like all of your wealth and property to be distributed after your death.'

‘In essence you are appointing somebody that you trust who will look after your affairs in your best interests.'

‘Another option to consider is keeping your wealth within your pensions. A defined contribution pension is normally free of inheritance tax unlike many other investments.'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Wills, Lasting Powers of Attorney, Trust and Estate Planning Specialists - Kinherit

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Diversified Investment Portfolios

Sun, 17 Apr 2022 23:00:00 GMT

When creating your investment portfolio you should always pay close attention to spreading your savings to achieve diversity and spread your risk. In this episode Tony talks about why and how you should make this happen.

KEY TAKEAWAYS

A diversified portfolio manages your exposure to market volatility.
Managers manage the mix of investments at different levels, from high risk profiles to low, depending on market conditions.
Asset allocation means deciding how to spread your money across different asset classes including equities, bonds, property and cash among many others.
Bonds are essentially I.O.U.s issued by governments in return for an investment subject to a pre-agreed regular return for a fixed term. Higher risk bond issuers will have to offer higher returns to attract buyers, lower risk offers peace of mind to those with a more risk averse mindset.
When investing in shares, understanding the cause and effect of fluctuations is important. Higher profits will result in higher share prices and increased dividends, whereas sustained losses can place the business or dividend in jeopardy.

BEST MOMENTS

‘When trying to navigate the ups and downs of the market returns, investors seem to naturally want to jump in at the low and cash out at the highs.'

‘Geographical factors such as local economic growth, interest rates and the political background will also affect the weighting between markets within equities and bonds.'

‘As long as the issuer is still solvent at the time the bond matures, the investor will get back the initial investment of the bond.'

‘Companies perform best in an environment of healthy economic growth, modest inflation and low interest rates. A poor outlook for growth could suggest waning demand for the company's products or services.'

VALUABLE RESOURCES

Pension calculator - Pension Calculator | TT Wealth | Pension Specialist, Cardiff

Savings calculator - Free Savings Calculator | TT Wealth Cardiff

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Getting Ready To Retire

Sun, 10 Apr 2022 23:00:00 GMT

Tony talks about how much we need to plan for our upcoming retirements. The state pension will fall short in providing a comfortable lifestyle into retirement so what action should we take to bolster our funds now.

KEY TAKEAWAYS

Review your finances sooner rather than later to assure your future income.
Track down your pensions to be sure you are claiming everything you are entitled to in retirement. Find out when you can draw from those pensions.
How much is your pension worth? Your pension provider should give you a yearly assessment.
Get a state pension forecast.
Get investment advice. You may need to alter your plans close to retirement. Check your investment values.
How will you access your pension? Will you take an income, cash in, or reinvest?

BEST MOMENTS

‘After a decade of working and saving you can finally see retirement on the horizon. If you plan to retire in the next five years or so, then consider taking these steps today to help ensure you have what you need to enjoy a comfortable retirement.'

‘If you're unsure where to start, the UK Government offers a pension tracking service to help you find lost pensions.'

‘Pension advice is important because pension products can be very complicated.'

VALUABLE RESOURCES

Pension calculator - Pension Calculator | TT Wealth | Pension Specialist, Cardiff

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

How Much Do I Need To Save To Retire Comfortably ?

Sun, 03 Apr 2022 23:00:00 GMT

Tony covers the questions you need to ask and the products and services you need to be aware of to provide the finances you need to live your best life in retirement. This requires a lot of information about you, your family and what your needs are likely to be when you retire, along with the sort of lifestyle you envision for yourself when the time arrives.

KEY TAKEAWAYS

What will your life look like after retirement? Are you planning to scale back on your spending or will you need more to provide for the freedom and experiences you hope to enjoy?
How much am I currently saving towards retirement?
How would my daily life change on a smaller income?
How long does my money need to last in retirement? You will need to take into account your retirement age and life expectancy.

BEST MOMENTS

‘It's hard to know exactly how much you need in later life, because everyone has different circumstances and different expectations.'

‘Saving early means your money is invested for longer and has more time to grow and any returns your savings make are also reinvested and have a chance to grow as well.'

‘Your expenses will likely decrease as you retire. If it's only necessary to pay for the essentials such as housing, food and utilities you may be able to spend more or spend time on things that make you happy.'

VALUABLE RESOURCES

Pension calculator - Pension Calculator | TT Wealth | Pension Specialist, Cardiff

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth
Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Focusing On Long Term Horizons

Sun, 27 Mar 2022 23:00:00 GMT

To be successful in investing, a strategy that reflects your risk tolerance and time horizons is key. Trying to second guess how events will impact the market is rarely successful. Instead investors should focus on long term strategies that transcend the vagaries of short term fluctuations. Tony talks about where your head should be when everyone else is losing theirs.

KEY TAKEAWAYS

Long term means at least 5 to 10 years.
Owning a diverse range of investments including shares, bonds or property can help protect money by spreading risk.
Be aware of the psychological effects events can have on you as an investor. Media hype can often be alarming but resist panicking.
Ups and downs are part and parcel of investing. They are regular. Accept them as normality. If you have any doubts or worries, speak to an advisor.

BEST MOMENTS

‘When one area of a portfolio underperforms, another should provide important protection.'

‘When you turn on the radio or television, or log on to twitter or facebook, or any form of social media you might assume that volatility is a terrible thing that requires all investors to react and make changes to their portfolio immediately. This simply isn't the case.'

‘Major events causing markets to fall in particular in the short term is something we've seen time and time again and no doubt we will see many more in the future.'

VALUABLE RESOURCES

Pension calculator - Pension Calculator | TT Wealth | Pension Specialist, Cardiff

Savings calculator - Free Savings Calculator | TT Wealth Cardiff

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth
Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Time Is Money

Mon, 21 Mar 2022 00:00:00 GMT

Tony tackles this subject along with the five principles of investing everyone should know. Due to the complexity of the options it can be very confusing which route to take. Financial Advisors like Tony can help you navigate these options and guide you towards a solid investment plan based on your requirements, personality and goals. The following five principles will help you get on top of some of the key issues that affect everyone when they invest their money.

KEY TAKEAWAYS

Set investment goals. Be clear about your required outcome and aim for measurable and attainable targets within a reasonable timeframe.
Invest as soon as possible. The benefits of an early start are numerous. Remember, time is money. It allows you to take more calculated or lower risks rather than fast, high risk strategies.
Invest regular amounts. In this way you benefit from highs and lows in the markets.
Diversify your portfolio. With a wide range of investments you spread your risk.
Resist panic selling. Cope with short term volatility and sit tight. To sell may damage your long term gains.

BEST MOMENTS

‘Keeping your plan on track means evaluating the progress on a regular ongoing basis.'

‘If you invest early and make a loss you have more time to make up for that loss on your investments.'

‘This simple example might be splitting 10,000 pound between shares in FTSE 100 companies and shares in small companies, government bonds or corporate bonds.'

‘Keep calm where possible and carry on building up your investments. History has shown that over long enough time periods no matter what the challenges, markets recover from significant downturns.'

VALUABLE RESOURCES

Pension calculator - Pension Calculator | TT Wealth | Pension Specialist, Cardiff

Savings calculator - Free Savings Calculator | TT Wealth Cardiff

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth
Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

The Importance Of Financial Reviews

Mon, 14 Mar 2022 00:00:00 GMT

Tony talks about how essential it is to take a regular overview of your finances and investments to identify if progress is continuing in line with your plan and your expectations.

KEY TAKEAWAYS

Having a financial review is a great way of taking a fresh look at your situation to see if circumstances have altered your money or, indeed, your own requirements and expectations.
Examine your investments, assets, individual funds, shares, changes in risk and altered investment goals in detail.
Consider your overall financial situation, your desired length of investment, your investment plan, investment diversity and available tax allowances.

BEST MOMENTS

‘It will enable you to talk through your long term financial objectives and consider a way forward to deliver your plan on how to achieve them.'

‘With short term goals most investments need at least a five year commitment but there are other options if you don't want to invest for this long.'

‘Some types of tax efficient accounts mean you can keep more of your returns you make and less goes to the taxman.'

VALUABLE RESOURCES

Pension calculator - Pension Calculator | TT Wealth | Pension Specialist, Cardiff

Savings calculator - Free Savings Calculator | TT Wealth Cardiff

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth
Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Vision Without Action Is Just A Dream

Mon, 07 Mar 2022 00:00:00 GMT

We know that no two people have identical financial circumstances, which is why it's essential you have a tailored financial planning solution in place and take real action on it. During times of market volatility it's important to resist backing out of the markets altogether, it is rarely the right thing to do. Tony details how a comprehensive financial plan can provide you with a focused design based on you and the life you want to live.

KEY TAKEAWAYS

Goal based financial planning enables investors to act in a systematic and disciplined manner to achieve their set of goals. It allows them to act with focus in volatile markets.
A broad knowledge of everything ranging from complex retirement investment products to risk management and tax laws is very difficult to acquire. A financial roadmap provided by an expert Financial Advisor should provide clarity in adverse conditions in the future.
Setting financial goals is essential to your success. It helps you stay confident you are heading in the right direction.

BEST MOMENTS

‘Building wealth takes time and effort. Like any activity, be it growing a business or learning a new skill, you need to decide early on what your long term objectives are.'

‘Procrastination is something we all do battle with from time to time. However, when you set goals in life it helps you understand that procrastination is dangerous. It is a waste of time.'

‘Can I sleep comfortably knowing I'll have enough money for my future? Do I have the security of knowing where I'm heading financially? Am I going to be able to maintain my current lifestyle once I stop working? Do I feel empowered to financially deliver the life I want today and also tomorrow? Have I made sufficient financial plans to live the life I want and not run out of money? Do I have a complete understanding of my financial position? What is my number to make my current and future lifestyle a reality and also financially secure?'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth
Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Rethinking Investment Risk

Mon, 28 Feb 2022 00:00:00 GMT

Whether you have a particular investment goal in mind or you are simply growing a retirement fund, it is important to understand risk. The likelihood of losing some or all of your original investment should be fully understood, as well as your tolerance for the level of risk you are willing to undertake. Tony talks about planning your investments while fully comprehending the risks involved.

KEY TAKEAWAYS

Higher risk investments often have greater returns but there is more chance of you losing your money.
By using investment funds, which pool your funds with other investors which are spread across a range of investments, you can reduce your risk.
Investments in shares can circumvent the negative effect of inflation on your savings accounts but there is always the possibility that the value of those shares are low when you come to sell. Property and bonds can also fall in value.
Currency risk is when you lose money due to fluctuating exchange rates in the currency markets.

BEST MOMENTS

‘Risk 'means different things to different people. What you feel about it depends on your individual circumstances and even your personality.'

‘There is no such thing as a no risk investment. You are always taking on some risk when you invest, but the amount varies between different types of investments.'

‘What about liquidity risk? You are unable to access your money when you want to because liquidity can be a real risk if you hold assets such as property directly, and also in the bond market where the pool of people who want to buy and sell bonds can dry up.'

‘Lastly there are interest rates. Changes in interest rates affect your returns on savings investments even with a fixed rate.'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth
Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth

Risk Questionnaire: Assess your attitude to risk | Investments | Standard Life

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Why Cash Isn't King When Inflation Reigns

Mon, 21 Feb 2022 00:00:00 GMT

Tony addresses questions on the current inflation situation and what to do when inflation soars. Is now the time to look for long term alternatives to cash?

KEY TAKEAWAYS

Inflation over time can be detrimental to those keeping large sums in cash, attracting interest at a low or zero rate.
Savers with large amounts of cash should not be lulled into a false sense of security even if interest rates rise. The high inflation will definitely write off any benefit that could be gained from this.
Invest any money you have over and above your emergency fund. This offers real potential for inflation beating returns.

BEST MOMENTS

'The damaging effect of high and rising inflation will likely more than wipe out any uplift that higher interest rates will give to the value of cash savings.'

‘As the economy continues to recover from the pandemic we are experiencing a sharp rise in the cost of living and many people are struggling this year, and will continue to struggle throughout the rest of this year.'

‘Now could be the time to look for long term alternatives to cash.'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth
Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Time In The Market, Not Timing The Market

Mon, 14 Feb 2022 00:00:00 GMT

When investing in the stock market. Tony talks about how a long term view of the market, including holding a more diversified portfolio for a longer period of time, can create dividends even in the face of market volatility. Market corrections can be healthy and can result in even stronger returns in the future.

KEY TAKEAWAYS

It's time invested in the market and not the timing of the market that dictates long term returns.
If you drop out of investment during a crisis you can often miss out on opportunities offered at low prices.

Media likes drama. Reporting will use phrasing that will make fluctuations sound alarming, so its important to not let the news affect your level head.

BEST MOMENTS

'The relentless and continual rise in value over the very long term is typically punctured by falls, so it is important not to let global uncertainties affect your investment strategies.'

‘This is one of the biggest costs of market timing, being out when the market unexpectedly surges upward.'

‘Be aware of the psychological affect this type of volatility has on you as an investor and resist the urge to be reactive. Easier said than done, I know, but its all about discipline when it comes to investing.'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth
Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

The Importance Of Setting Clear Investment Goals

Mon, 07 Feb 2022 00:00:00 GMT

Planning of your investment goals is essential if you are going to stand a chance of achieving them. Gain an understanding of what you can afford now and what you hope to achieve in the future. Tony sets out what needs to be clear and precise for you to be able to reach the financial position you are aiming for.

KEY TAKEAWAYS

Consider factors such as your income, age and the future needs that you are addressing.

When investing you are allocating your funds to an asset that you hope will grow over time so it is important to consider your investment strategy.

The type of account you should consider depends on when you wish to access your money and the amount of risk you are willing to take.

You might consider mixing your risk types and take into consideration being tax efficient.

BEST MOMENTS

'The wealth you create can be used for a variety of objectives such as meeting shortfalls in income, saving up for retirement, or fulfilling certain specific obligations such as repayment of mortgages, loans, debt, school fees or university fees or payment of any assets that are important to you.'

‘What will you actually get back?'

‘Review. Review. Review. Make time to review your investments on a regular basis to check they are on track to meet your goals.'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth
Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Should I Transfer My Pension?

Mon, 31 Jan 2022 00:00:00 GMT

Depending very much on your financial situation, the decision to consolidate or transfer your pension funds can appear complex. Currently it is possible for people to have many pension at a time and you may want to simplify into one manageable arrangement. Tony details the factors you should be aware of before you make your decision.

KEY TAKEAWAYS

What kind of pensions do you currently have? Your current may have benefits that you could lose if you transfer out of the scheme.

You may want to consider moving to a scheme that has less risk and consolidating into one pension scheme make it more manageable for you as its important that you review your pension on a regular basis. Some arrangements offer you online access to your pension information.

The UK Government insist you take professional financial advice from a regulated advisor before doing this and the benefits are worth more than 30,000 pounds.

BEST MOMENTS

'By the time we have been working for a decade or two, its not uncommon for us to have accumulated many different pension schemes.'

‘In addition, some people might benefit from moving their money to a new pension that offers funds with less risk which may not have been available to you before.'

‘Consolidating pensions can remove the hassle and paperwork of managing lots of different plans as well as cutting charges and giving you access to a wider range of investments.'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth
Sign Up Now For Exclusive Tony Talks Wealth Content at https://www.patreon.com/TTWealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/
Facebook: https://www.facebook.com/TonyThomas.IFA/
LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Why Work With A Financial Adviser?

Mon, 24 Jan 2022 00:00:00 GMT

Many do not consider securing the services of a financial adviser but as Tony discusses in this week's show, planning for the future is far easier with the help of a professional.

KEY TAKEAWAYS

The reason we want to work with a financial adviser is so that we have professional guidance, and the best advice possible when it comes to our future.
Many people find that they hit roadblocks or challenges when planning for their financial future. However, with the help of an expert, these can be avoided.
Experts are armed with far more knowledge when it comes to the financial marketplace, allowing you to make far more informed decisions.

BEST MOMENTS

'A financial adviser is one of the best investments you will ever make'

'We can assist you in avoiding common traps'

'We can spot opportunities much easier for you'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

End Of Year Tax Planning Tips

Mon, 17 Jan 2022 00:00:00 GMT

As another tax year closes, it's important that we finalise our plans in order to make sure we reduce our tax bill where possible. In this episode, Tony talks you through the twelve ways in which you can make sure your affairs are in order.

KEY TAKEAWAYS

Reviewing your tax affairs at the beginning of the year will allow you the breathing space to make any allowable deductions available in order to minimise and mitigate your tax bill.
Identify any tax planning opportunities. Personal circumstances differ, so it's always best to seek the help of an expert where possible.
Transfer part of your personal allowance to your spouse. Married couples and civil partners are permitted to share ten percent of their personal allowances between them.

BEST MOMENTS

'Protect your family, Protect your wealth. Protect your future'

'Live for today, invest for tomorrow'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

How To Create A Personal Financial Plan In 8 Steps

Mon, 10 Jan 2022 00:00:00 GMT

It's the new year, and there's no better time to begin planning for your financial year ahead. With this in mind, Tony is here this week to share his eight step plan for creating your very own personal financial plan!

KEY TAKEAWAYS

When considering your financial wellbeing, it is crucial to have a clear sense of what you want from life, and use this to create a comprehensive financial plan.
Creating a budget can seem daunting, but can act as a vital signpost for your financial year ahead.
Building your emergency savings fund is vital. The best way to ensure that emergencies can be tackled is to start saving today! Aim for around three months' of living expenses.

BEST MOMENTS

'This is a great time to look at your finances'

'A comprehensive financial plan helps you to achieve your goals'

'Emergency savings make a great way to cover unexpected costs'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Managing Cashflows

Mon, 03 Jan 2022 00:00:00 GMT

Tony discusses cashflows - why it's vital that you manage them effectively - and how they can help you to create a picture of your finances, now and in the future.

KEY TAKEAWAYS

Cashflow modelling is used to calculate how your income, expenditure, investments and savings may be distributed over time.
The detailed picture of your assets should include your investments, liabilities, income and expenditure, which are projected forward year-by-year using calculated rates of growth, inflation, income and interest rates.

BEST MOMENTS

'You need clarity over your financial and lifestyle goals'

'Cashflow modelling shows your current position relevant to your preferred position'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Visualising Your Future

Mon, 27 Dec 2021 00:00:00 GMT

This week, Tony discusses the importance of visualising the future you wish to lead, so that you can live the life of your dreams and pass on your wealth successfully, leaving a legacy for those you love.

KEY TAKEAWAYS

Financial challenges can come in the form of unnecessary fears and worries about what might happen next. They can stop us from achieving happiness.
Visualisation allows us the luxury of seeing the things we desire most. Financial wellbeing comes from reaching a sense of security and independence.
Your retirement needs will depend greatly upon the lifestyle you plan to lead, as well as when this will take place. It is therefore crucial to accurately visualise what that picture looks like.

BEST MOMENTS

'Many of those who who seek to change their lives and move forward, find that they encounter roadblocks'

'Financial wellbeing comes from achieving financial security and independence'

'It's important to prioritise each of your lifestyle and financial goals'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

New Year Investment Resolutions

Mon, 20 Dec 2021 00:00:00 GMT

As the new year approaches, it might be time to start a whole new way of thinking when it comes to your investments. In this episode, Tony talks you through some of the resolutions you could consider in order to make sure that 2022 is as profitable for you as possible.

KEY TAKEAWAYS

You must not just set resolutions but stick to them! Make decisions now and adhere to the outcomes you're hoping to achieve.
A personal lifestyle financial plan is now more important than ever. In difficult economic times, people need to understand how better to manage their money.
It's always wise to consider what you are investing for - what is your ultimate goal? Planning takes time but the benefits are endless.

BEST MOMENTS

'You need to figure out how to make your resolutions a reality'

'It's never too early to start a plan'

'A solid personal financial plan will keep your finances on track'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Phased Retirement

Mon, 13 Dec 2021 00:00:00 GMT

In this week's show, Tony explores the topic of phased retirement, a course of action being considered by many in the wake of the pandemic and its effects upon our financial futures, and talks about why it may be a viable option for you.

KEY TAKEAWAYS

Retirement often arrives in people's lives suddenly, and can create a sense of disorientation. After all, many have been working every week for decades.
Many are now taking flexible retirement or continuing to work on a part time basis. Some are even considering not retiring at all and simply continuing their working lives.

BEST MOMENTS

'When you picture yourself in your golden years, are you sitting on a beach?'

'Few people benefit from the sudden transition from working five days a week to not working at all'

'Pensions need to last for as a long as possible'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Busting Pension Myths

Mon, 06 Dec 2021 00:00:00 GMT

This week, Tony take the opportunity to bust a number of myths surrounding pensions - myths that may be holding you back from making informed decisions - so as to help you make more robust plans for the future ahead of you.

KEY TAKEAWAYS

The state pension is topped up by the additional state pension, which requires you to have at least 35 years on your national insurance records or contribution history.
When it comes to employer pensions, your employer is usually required to pay a minimum of 3% of your salary into your pension, and you must also pay a minimum of 5% into the pension, too.
A common myth is that annuities are outdated. However, annuities are still very much active, and can be a perfect solution for some based upon their current circumstances.

BEST MOMENTS

'Pension legislation is extremely complex and it's not realistic to expect everyone to understand it completely'

'It's vitally important for you to put aside a portion of your earnings to create a pension pot'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Early Retirement

Mon, 29 Nov 2021 00:00:00 GMT

In response to listener queries, Tony this week talks about early retirement - the impacts that the pandemic has had upon early retirement, and why early retirement might not be the dream scenario that many believe.

KEY TAKEAWAYS

An increasing number of people have been forced into early retirement due to the economic impact of the pandemic.
Due to retiring early, pension pots have been accessed by a significant percentage of people looking to make ends meet.
Create a budget for your retirement spending. Make sure to include any additional future costs you're aware of, putting away extra for costs as yet unseen.

BEST MOMENTS

'Because of the pandemic, we are currently in a challenging economic period'

'Early retirement might sound like a dream come true, but it can be a ticking time bomb'

'You work hard for your money so you should be able to enjoy it'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Retirement Options

Mon, 22 Nov 2021 00:00:00 GMT

In this episode, Tony discusses retirement options made possible by pension freedoms - how the process has changed, and the potential benefits of taking part or all of your pension pot in order to better secure your future.

KEY TAKEAWAYS

When you reach the age of 55, you can access your pension pot. You can take some, or all. Some will be tax-free, but the rest will be taxable.
Some use parts of their savings to purchase annuities, which can then be used to cover certain essentials, such as mortgage payments, rent or household bills.
These days, we are mainly living longer. You must ensure that no matter what route you take, that you and any partners are provided for.

BEST MOMENTS

'Pension freedoms have given retirees a whole host of new options'

'Flexibility is the main attraction'

'Familiarise yourself with your pension freedoms'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Lifetime Allowance

Mon, 15 Nov 2021 00:00:00 GMT

This week, Tony talks about the lifetime allowance, and explains how you can gain more assurance about the savings you've been accruing throughout your life so far.

KEY TAKEAWAYS

If you've been saving into a pension throughout your life, you should be allowed to feel confident about the future you've been saving for.
The government will maintain the current lifetime allowance until April 2026, removing the usual annual incremental rises.
The lifetime allowance is a limit on the amount you can withdraw in pension benefits in your lifetime before you trigger an additional tax charge.

BEST MOMENTS

'The best savers sometimes find themselves breaching their lifetime allowance'

'The answers are intended to help you avoid this tax charge'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Upbeat About Retirement

Mon, 08 Nov 2021 00:00:00 GMT

While retirement may be a time of anxiety for many, as Tony explains in this week's episode, we should be upbeat, and look at the many positives, including tax reliefs and lifetime limits.

KEY TAKEAWAYS

Pensions enable you to grow your retirement savings largely free of tax, as well as providing tax relief on the contributions you make.
All of your pensions, including workplace pensions, count towards your lifetime allowance with the exception of the state pension and overseas pensions.

BEST MOMENTS

'Saving into a pension is one of the most tax efficient ways to plan for your retirement'

'Carry-forward is a way of increasing your pension allowance'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

The Future Of Retirement: Part 2

Sun, 10 Oct 2021 23:00:00 GMT

In his continuing look at the ways in which retirement plans are set to change, Tony discusses how best to ensure that your future is taken care of, and how to ensure that our financial future is assured.

KEY TAKEAWAYS

When looking to retire, the most important factor is to consider whether you have enough money to live comfortably.
Retirements can often last for around 30 years. It's vital to look at he reserves we have along with any income, and ensure we're well taken care of.
Always keep track of any pensions from jobs you have held in the past. You can track them by using your date of birth or national insurance number.

BEST MOMENTS

'The run up to your retirement may seem overwhelming'

'It's important to consider that your retirement could last for 30 years or more'

'Think about reviewing your contributions!'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

The Future Of Retirement - Part 1

Sun, 03 Oct 2021 23:00:00 GMT

Tony discusses the ways in which retirement plans have changed, how best to ensure that your future is taken care of, and how the later chapters in our lives will look different in years to come.

KEY TAKEAWAYS

It's always important to consider that retirement affects not just ourselves, but those around us - from children to spouses. All plans should be made with not just ourselves in mind.
The purpose of a pension is to provide us with enough to live on after our working years, but this has changed due to longer life expectancies, less generous schemes and a lack of understanding.
A survey of people aged between 55 and 64 found that 25% of the age group only had enough in savings to last them ten years.
Make realistic budgets now and identify any shortfalls. This will allow you to adjust accordingly and ensure we are safer in the future.

BEST MOMENTS

'There is no one-size-fits-all approach'

'There is no fixed path to retirement, or finite end'

'Making the right choices now can make a big difference to how much money you have in the future'

'This will give you peace of mind that you're on the right track'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

The Six Principles Of Investing

Sun, 26 Sep 2021 23:00:00 GMT

This week, Tony talks you through the six principles of investing, designed to help you put aside money in order to help with your future, and to ensure that your money works effectively for you.

KEY TAKEAWAYS

Creating and maintaining the right investment strategy plays a vital role in securing your financial future.
Establish your investment objectives first of all, and base them on your financial goals for the future. A sound financial plan will ensure that you don't simply have to hope for the best.
Cash is not necessarily king. Inflation is likely to eat away at your savings, so diversify your investment classes and make your money work harder.

BEST MOMENTS

'It's important to invest in a way that's right for you'

'Have a plan and stick to it!'

'Start investing early'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Carving Out Your Own Path To Success - with Alina Timofeeva

Sun, 19 Sep 2021 23:00:00 GMT

Tony talks to Alina Timofeeva, a multi-award-winning specialist in cloud and data, and whose clients have included the likes of JP Morgan, HSBC and Santander, about her incredible success, her business journey so far, and how she has used her position to see to it that others in the sector get a chance to carve out their own career paths.

KEY TAKEAWAYS

Alina's background led to her questioning the status quo and wondering if her own path in life could be different from the one that society expected of her.
Those who break the mold often have a different perspective when it comes to helping others. They recognise the importance of using their position to help other ascend in life.
We must trust our instincts when it comes to our direction. If the organisation to which we belong holds no opportunities, then we should not fear looking elsewhere for the next run to success.

BEST MOMENTS

'Use the failures to become successful'

'I didn't necessarily have that many role models'

'I don't see many migrants in leadership roles'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE GUEST

Alina is a multi-award winning specialist in Cloud & Data: she has a proven track record across digital and regulatory projects within major clients, including JP Morgan, HSBC, Santander. Through technology & innovation she helps to make this world safe, which ensures that the human basic need of safety is covered, and people can spend time on realising their full potential. This is particularly important in the times of COVID uncertainty.  Not only does Alina do a great job for a salary, she also actively supports females & migrants of diverse cultural and social backgrounds through mentoring, talks & podcasts. Over the last 12 months, she has personally mentored 30+ people and also shared her talks & podcasts with 20 000+ attendees internationally.

In 2021 she is scheduled to do 2 TEDx talks.  Alina's industry awards recognition include:  

o Cloud Professional of the Year, Computing Rising Star 2021– winner 

o TechWomen100, WeAretheCity 2020 – winner

 o Digital Person of the Year, Computing Rising Star 2021 - highly commended 

o Rising Star in Technology, Women in Tech Excellence 2020 - highly commended 

o Digital Leader of the Year, Women in Tech Excellence 2021 – shortlist (in progress) 

o Role Model: Financial Service, Women in Tech Excellence 2021 – shortlist (in progress) 

o Digital Transformation, Diversity in Tech Awards 2021 – shortlist (in progress)

 o Trailblazer, Diversity in Tech Awards 2021 – shortlist (in progress)

 o Rising Star, Diversity in Tech Awards 2021 – shortlist (in progress)

 o Next Generation Leader 2021, Women in IT – shortlist

 o Innovator, FDM Everywoman 2021 – shortlist 

o Most Influential Women in Technology 2020 & 2021, Computing magazine – longlist

https://www.linkedin.com/in/atimofeeva/

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

How To Get The Most From Cryptocurrency - with Jeff Hancock

Sun, 29 Aug 2021 23:00:00 GMT

This week, Tony is joined by Jeff Hancock, a crypto expert, and co-founder and CEO of Coinpass, one of the UK's fastest-growing cryptocurrency exchange and investment platforms.

Jeff talks to Tony about his business journey, Coinpass as a platform, and how you can invest in cryptocurrency in a safe and secure way.

KEY TAKEAWAYS

The world of cryptocurrency has changed dramatically. The UI involved is becoming far simpler to navigate, and risks can be mitigated if guidance is followed.
Crypto services can stand out to their client base through customer service. Providing real time human interaction is a true differentiator. People want to feel supported at all times.
A crypto wallet contains a public address, which is like a card number in the real world. A private key is also attached, which is akin to the lesser-known details required in order to make transactions of any kind.

BEST MOMENTS

'We've grown from a small startup business'

'Our goal is to make it easy'

'This unlocks the value of your capital'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE GUEST

Jeff Hancock moved from Australia to London at the age of 25 in 2010 as a cybersecurity and tech engineer. He is now CEO of one of the fastest-growing cryptocurrency trading and investment exchanges in the UK.

Discover More at

https://www.linkedin.com/in/jeffreyrthancock/

https://twitter.com/jeff_coinpass

Twitter: https://twitter.com/coinpassglobal

Blog: https://coinpass.com/blog

Facebook: https://www.facebook.com/coinpassglobal

Facebook Community: https://www.facebook.com/groups/coinpass/

Linkedin: https://www.linkedin.com/company/coinpass

Youtube: https://www.youtube.com/channel/UCfs5WkT1mecmB0YWJipJLdw

Web: www.coinpass.com

Instagram: https://www.instagram.com/coinpassglobal

Medium: https://medium.com/@coinpassglobal

Mailing List: https://mailchi.mp/coinpass.com/newsletter-signup-page

Anchor.FM: https://anchor.fm/coinpass

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Relationships With Money - with Morgana Rae

Sun, 22 Aug 2021 23:00:00 GMT

Tony is joined by Morgana Rae, an international best-selling author, mentor and coach, who specialises in helping others to better understand and cultivate their relationship with money.

Morgana talks about her background and how she developed her own relationship with money, as well as the importance of polarity when it comes to creating dramatic change in life.

KEY TAKEAWAYS

Failure and struggle aren't always a dead end. Sometimes they point us towards other pathways and opportunities that can lead to success
Starting at our lowest, darkest points, makes the gains so much more precious and valuable. Polarity provides perspective.
To be an effective coach, we must believe in the person we're coaching - in their capability and their maturity. Once we believe, we must not undervalue the gains that we can bring.
When it comes to money, or indeed love, we must take time out regularly in order to realign with these things and hold them as sacred in our lives.

BEST MOMENTS

'If you've been failing at other stuff, then perhaps it's because you've been chosen to birth something new'

'I call this alchemy'

'That is the magic of polarity'

'It's more difficult to create dramatic change when you're content'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE GUEST

MORGANA RAE is a 20-time international #1 best selling author and mentor coach, and she is regarded to be the world's #1 authority on relationship with money. Her fun approach to what can be a scary topic--money--has booked her as an expert on The Wall Street Journal, Yahoo Finance, FOX News, CNN, all the major television networks, Coast to Coast Radio and hundreds more. Morgana's fans call her the “Money Goddess” because of the many documented stories of clients manifesting 5, 6, even 7 figures within hours of changing their relationship with money. A pioneer in personal development for over 27 years, Morgana writes, speaks, and coaches from a desire to empower idealistic entrepreneurs, artists, healers, and humanitarians to have a big impact in the world… and to heal the rift between heart, spirit, and money.

Discover More

https://www.morganarae.com/morgana-rae-media/

https://www.youtube.com/watch?v=dPKdM7fZOLY

https://www.robertplank.com/178-financial-alchemy-morgana-rae/

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

How To Be A Born Achiever - with EA Csolkovits

Sun, 08 Aug 2021 23:00:00 GMT

This week, Tony talks to EZ Csolkovits, the founder of the Givers university, which teaches people how to increase their happiness, freedom and greatness, through personal, business, social and family development

EA discusses his fascinating story and incredible achievements in life, how to succeed in business and life, and talks about the fascinating work he does with the Givers University.

KEY TAKEAWAYS

One of the main challenges we have in life and business is that as our level of expertise increases, so too does our ability to think like a customer in direct proportion.
One of the foundational lessons learned when becoming a self-starter, is that the sooner we complete a task, the sooner we can move on to something else.
Elevating ourselves to greatness, is all about learning from those who have walked the path before us, and who can offer a hand, pulling us up to the next rung of the ladder.
Temporary defeats are not crashing failures, but invaluable forms of wisdom that can empower us to do better. In this way, we should always come to embrace temporary defeat.

BEST MOMENTS

'It had a lot to do with my ignorance, and my ability to understand that I don't know anything'

'We simply get too smart. We can no longer think like a customer'

'I just know that I don't know what I need to know, and I need to find someone who does!'

'When we really understand temporary defeat, wisdom begins to supplant ignorance'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE GUEST

A. Csolkovits was born in 1956 in Chicago, Illinois. His humble beginnings were that of the son of a milkman.

Professional Achievements

Chairman of House of Holland Jewelers at 21 years old.
Started and operated Columbia Nutrition System, consisting of an international workforce organization of over 10,000 managers and professionals.
Started and operated Delta International, which included building an international workforce organization of over 33,000, producing multimillions of dollars in volume.
Hosted a business radio talk show (E. A. Csolkovits Live) which was heard across the U.S.A. and Canada, interviewed 3 different company presidents for 5 nightly shows each week.
High-end, Results-oriented business consultant who received as much as $1,500 per hour for his business advice.

Other Business Interests Include:

Conducted advanced training exclusively for presidents and CEOs (a maximum of 50 per seminar) where executives paid $5,000 each to attend and learn 400 different ways to build and grow their companies.
National Training Company—listed in “Who's Who” in public speaking.
Mortgage business- originated, processed, and packaged large, multi-million-dollar packages.
Authored weekly newsletters which were distributed in 20 countries.
Created, designed, invented, reformulated, and/or formulated over 75 products in the health and Wellness industry.
Distributed products in 20 countries worldwide.
Extensive manufacturing expertise.
Established and developed worldwide distribution and sales systems in 20 countries.

Personal Achievements:

Millionaire at age 23.
1st year of personal income exceeding $1 million in 1 year in 1989 at 33 years old.
Owner of a 1,000-acre wildlife sanctuary.
Commercial pilot with multi-engine complex and instrument ratings.
2nd degree black belt in martial arts.
Advanced PADI certified scuba diver.
Authored and completed the updated versions of the courses and books he titled The GIVERS Mindset™, The GIVERS Lifestyle™ and The GIVERS Lifelong Learning™ for the GIVE To Be Great™ series while serving at Morgantown, West Virginia (See Appendix).
Founder and Patriarch of the GIVERS University to teach others worldwide about GIVERS and Takers.
Invented the world's first and only nutritional and healthy foods and drinks formulations using a special Fibonacci sequence code combined with the Divine numerical code which exists in all of nature while serving at Morgantown, West Virginia. (See Appendix.)
Encoded the world's first and only Wellness foods and drinks containing the secret Nutrient Dense Foods® Code which blends both the Fibonacci Code with the Divine Code which exists in all of nature.
Researched, selected, scribed, and completed “The GIVERS Codex™.”

“The GIVERS Codex™” is based on the original Intelligent Design inspired by Ancient Texts.

A. Csolkovits scribed a total of 180 GIVERS Codes™, consisting of “The 54 ‘Wisdom For Happiness' GIVERS Codes,” “The 54 ‘Wealth For Freedom' GIVERS Codes,” and “The 72 ‘Wellness For Greatness' GIVERS Codes.”

Discover More at:

https://www.linkedin.com/in/giversuniversity

http://giversuniversity.com/

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Successful Business Exits - with Marvin Storm

Sun, 01 Aug 2021 23:00:00 GMT

This week, Tony talks to Marvin Storm, founder of the Business Exit Stories Podcast and author of the book 'Pack Your Parachute - How To Double The Amount Of Money You Put In Your Pocket When You Sell Your Business'

Marvin discusses the ways in which you can ensure you achieve a far higher return on the sale of your business when the time comes, and make sure that your financial future is in much better shape as a result.

KEY TAKEAWAYS

Every entrepreneur has to, at some point in their journey, consider their exit strategy. This can take the form of sale, or even retirement, but it's a part of the business journey that is inevitable.
Buyers of businesses are thorough. They're in the market for a solution to people's problems that can be monetised. Make sure your business is serving a need and it will be far more attractive to potential purchasers.
With tumultuous changes in the business landscape, there are many opportunities to be had in terms of buying businesses. Many owners are looking for exits.
Strategic business owners will always prepare for the worst ahead of time. We don't pack a parachute while the plane is going down - we do it beforehand in case of difficulties.

BEST MOMENTS

'The reality doesn't match the dream all the time'

'If you can dial into this, that becomes very intriguing to a strategic buyer'

'You need to have your parachute already packed...'

'You have to have the right team of people around you'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE GUEST

MARVIN STORM

A while back, I sold my business and thought I would sit back, take it easy and enjoy life. It didn't take long before I was bored stiff. This got me to thinking about my last exit. I realized that if I had been better prepared for this exit, I could have done a lot better for myself.

My entrepreneurial juices fueled this thought process that has led me to start the Business Exit Stories Podcast, write a book: Pack Your Parachute – How to Double the Amount of Money You Put in Your Pocket When You Sell Your Business, and developing a process to maximize the enterprise value of a business prior to exit.

Every entrepreneur is going to need to exit their business sooner or later. The type of exit they have will largely depend on what they do to position their business for their eventual exit. Taking the time before exiting a business can double or tripling the exit value when they sell their business.

Discover More

https://www.linkedIn.com/in/marvinlstorm

https://businessexitstories.com/

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

The Psychology Of Investing - with Dr Clemen Chiang

Sun, 25 Jul 2021 23:00:00 GMT

This week, Tony is in conversation with Dr Clemen Chiang, a National Research Foundation Of Singapore-backed author, fintech entrepreneur, and founder of the Millenial trading platform, Spiking.

Dr Chiang discusses the importance of setting goals, how an analytical mind can serve you, and how we can build our psychological fortitude when it comes to investing.

KEY TAKEAWAYS

Setting audacious goals helps us to psychologically realise them. By aiming high, we work harder in order to hit those targets.
Our investment journey is about connecting the dots - from where we've come from, where we are now, to where we are heading.
Fear holds us back from taking the risks that can truly energise and accelerate our investment journey. We must build psychological fortitude in order to combat fear.
Financial knowledge should be shared with others in ways that everyone can understand and apply to their own financial lives.

BEST MOMENTS

'I'm known in my country for becoming a millionaire before the age of 30'

'The journey is about seeing what instruments are available at hand for us to get to our goal in the shortest time possible'

'It's about past, present and future'

'The best thing we can do as financial experts is share our knowledge and expertise'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Clemen Chiang LinkedIn - https://www.linkedin.com/in/clemenchiang/?originalSubdomain=sg

Clemen Chiang Twitter - https://twitter.com/clemenchiang?lang=en

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Developing The Skills For Success - with David Mulonas

Sun, 18 Jul 2021 23:00:00 GMT

This week, Tony is joined by David Mulonas, a published author and project manager in the IT sector, who along with his wife, Cindy, hosts an extraordinary personal finance podcast entitled 'Something On My Mind', providing a fresh take on personal finance tips, budgeting, debt management and investing principles.

David joins Tony to discuss the principles upon which he and Cindy have established their successful personal finance brand, how to establish your own place in the sector, and why purpose in life matters so much.

KEY TAKEAWAYS

Creating a brand isn't an instant thing. It takes time to perfect your message and your product. You need resilience, determination and will power.
There's nothing wrong with asking questions about a subject upon which you are unsure. Far better to show that you haven't understood, than to go away with information you're unsure about.
We all need a purpose in life. Money is never enough. We need a driving factor that keeps us going when the challenges grow tougher.
Life beats you down sometimes. You have to find the resilience and the determination to push back against the setbacks and stand tall in order to face the future.

BEST MOMENTS

'If you're going to work a day in your life, then you might as well get the most out of it'

'There's nothing wrong with not being sure'

'There's much more to it than just the financial aspect'

'You have to be able to maintain your normal life, even if it hurts to do it'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE GUESTS

Husband and wife financial gurus David and Cindy provide a refreshing view on personal finance with a side of humor. They also share offbeat current events and real-life experiences. The two hosts crack jokes while also diving into financial literacy and success. This podcast finds the perfect balance between having a laugh and getting down to business. Cindy has been a leader in the financial industry for the last 27 years. She is a registered professional and COO for a nationally recognized wealth management firm. She has a background in a variety of areas of wealth management, including 401(k) analysis and education, branch management and client service. Her passion is helping others understand the value of planning and achieving their long term financial goals. David is a published author and accomplished corporate project manager in the IT field. His book I'm Not Flipping Burgers When I'm 70! explores personal finance, budgeting, home ownership and investing for the future. David also launched a project called the Personal Finance Squad in which he offers guidance on all areas of budgeting and achieving financial freedom.

You can find more information here:
https://www.somethingonmymind.net/
https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDw
https://www.tiktok.com/@somm.podcast?lang=en

Social Media: https://www.facebook.com/somm.podcast

https://www.instagram.com/somm.podcast/

https://twitter.com/Somm_podcast

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Make Great Things Happen For Yourself Today - with Maini Homer

Sun, 11 Jul 2021 23:00:00 GMT

This week, Tony is joined by Maini Homer, the "Queen Of Content Creation" and a prolific creator of social media content and marketing materials.

Maini joins Tony to talk about her journey in business and many insights gained along the way, as well as tips that listeners can immediately implement in order to make great things happen for themselves and their business.

KEY TAKEAWAYS

When we come from difficult backgrounds and upbringings, we gain the crucial resilience and determination we later need in business and life.
Obstacles and challenges are not a negative. They are all lessons and learnings that can strengthen us for any future issue.
When circumstances beat us down, we can either take it and lie down, or step up and fight back. When lockdown hit, Maini took the opportunity to write a book which became a subsequent best-seller.
Never be afraid to trade skills with other professionals. It can be a fantastic way of getting things done and providing win-wins for you and others.

BEST MOMENTS

'Look at it as a lesson'

'Feel gratitude that they're giving you challenges, so that you can learn to beat them now'

'I had to eliminate self-doubt'

'The sky's the limit!'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Maini Homer Facebook - https://www.facebook.com/copywritersint

Maini Homer LinkedIn - https://www.linkedin.com/in/mainihomer/

Maini Homer YouTube - http://www.youtube.com/c/Copywritersint

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Management Wealth Strategies And Tools - with Brendan Lee Young

Sun, 04 Jul 2021 23:00:00 GMT

This week, Tony is joined by Brendan Lee Young, a co-founder of Passiv, a portfolio management tool designed to help self-directed investors manage and grow their wealth.

Brendan joins Tony to talk about how Passiv has grown into a billion-dollar company, and the ways in which its tools and features can help you to grow your own wealth through careful management and planning.

KEY TAKEAWAYS

Serving a need and fulfilling a requirement, is the best way to go about deciding the direction for your business idea.
Managing wealth is not as simple as just storing in a bank and hoping for the best. It requires carefully balanced adjustments so as to maximise your wealth's potential on a day-to-day basis.
Security is of paramount concern for all users. This is why Passiv only uses brokers who have open APIs. This means that users retain full control at all times. Passiv merely acts as a "mirror image".
Tools such as Passiv can teach people to become far more adept at financial planning and management, by incrementally teaching them how best to act, and which decisions are the best.

BEST MOMENTS

'We're helping a lot of self-directed investors manage their accounts'

'It's not just about knowing the market'

'This facilitates a connection between two platforms'

'This is about a journey for your investors'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE GUEST

Brendan is the co-founder of https://passiv.com/tonytalks, a portfolio management tool that's designed to help self-directed investors manage and grow their wealth. Users can build their own personalized indexes, robo-advisory services and be their household's asset manager.

Passiv manages over 20k accounts on their platform and is on track to hit $1 billion in assets by April.

Background wise, Brendan is originally from Trinidad and Tobago, a small twin island in the Caribbean. He migrated to Canada with the goal of becoming an entrepreneur. He worked in tech for a few years to learn how large tech organizations were run. His interest in entrepreneurship stemmed from being passionate about attaining financial independence and this is what led him to founding a fintech company.

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Look For The Silver Linings And Find Your Own Way To Happiness - with El Edwards

Sun, 27 Jun 2021 23:00:00 GMT

This week, Tony talks to "irrepressible silver-lining spotter", El Edwards, the founder of the Itchy Soul Playground and Youier Media, established in order to help people have fun again, to embrace who they really are, and live the incredible life they were born to live.

El talks about the purpose that drives here, and how we can learn to spot the silver linings in your own lives by removing the labels that society seem keen to give to us.

KEY TAKEAWAYS

Sometimes the goals that society set for us aren't the ones that make us truly happy. We need to find our own path in life.
Only we know how much mess in our own head. The sooner we stop comparing our mess to what we perceive perfection to be, the sooner we can begin to be kinder to ourselves.
Skills aren't always specifically taught. Sometimes we learn new ways of working through simply looking for ways of working.
Not everyone's theology is the same, but if we can agree to disagree, then a common path to self-fulfilment and self-development can begin.

BEST MOMENTS

'The reason I do what I'm doing now is because I remember how miserable and grumpy I was in my twenties!'

'If God loves me as I am, then I can stop trying to play pretend'

'A lot of us walk around with labels'

'We should stop comparing our backstage areas to everyone else's front-of-house'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE GUEST

Hi, I'm El Edwards, irrepressible silver-lining spotter with a compulsion to say the stuff most other people only say in their heads. I'm here to help you have fun again, to embrace who you are when you're not trying to live by anyone else's expectations, to step into the incredible story God's written for your life.

To be who God created you to be when He dreamed you into existence with His love. Why? Because playing pretend and trying to be "normal" made me crazy - and it's making you feel loopy too!

Discover More at:

https://youier.com

https://www.instagram.com/mseledwards/

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

8 Simple Steps To Make Your Video Go Viral - with Joseph Wilkins

Sun, 20 Jun 2021 23:00:00 GMT

This week, Tony talks wealth with Joseph Wilkins, the founder of ProCreative Studios, and the mind behind ad campaign for such clients as Google and Chevrolet, among others.

Joseph joins the show to discuss the eight simple steps that any business can use in order to generate a far higher view count for their videos, and take your message viral!

KEY TAKEAWAYS

The secret to engagement is to construct your video message in such a way that people do not feel they're being sold to from the off.
People very rarely switch off from a video because it is too long. They switch off when they get bored. Therefore, the best way to keep engagement is to be exciting and enticing.
The initial step before creating a message is to spend as much time as you can learning about your product, and gaining an understanding of it from a customer point of view.
Spending more on your videos doesn't always guarantee your returns will be more. Focus instead on creating something interesting that will hook your viewer.

BEST MOMENTS

'The people who watch our ads don't realise it's an ad until they're a minute into it'

'The point of what we do is to generate wealth'

'I don't care what you think about your product. I care about what your customer thinks of your product'

'Our videos have generated millions of dollars in sales'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE GUEST

Joseph Wilkins founded ProCreative Studios in 2000, a marketing agency focused on infomercials, TV commercials and web sales videos. Over the past 20 years, Joseph has directed thousands of ad campaigns for clients including Google, Linkedin, McDonalds, Goldman Sachs, Chevrolet, Home Depot and other mega brands.

As habits shifted away from broadcast TV, Joseph launched FunnySalesVideos.com where his team creates attention-grabbing "viral style" sales videos that entertain viewers into making a purchase.

With two decades experience, hundreds of millions of broadcast and online views and over $50 MILLION in tracked sales, Joseph enjoys sharing 8 simple steps any business can follow to drive immediate online sales on his podcast "How To Make A Video Go Viral."

Discover More

https://funnysalesvideos.com/speaking

https://funnysalesvideos.com

https://HowToMakeAVideoGoViral.com

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

The Art Of Getting Things Done - with Lee Bridges

Sun, 13 Jun 2021 23:00:00 GMT

This week, Tony talks to podcaster and drummer, Lee Bridges, the author of 'Do Sh!t, Get Sh!t Done!', a "guide to life that works using life hacks that are so easy to implement that you will get results - effective immediately".

Lee talks to Tony about the way he has overcome the tougher times in his own life, and how these experiences have allowed him to make sure that others can grow, develop and become the best version of themselves.

KEY TAKEAWAYS

Life is an intricate road map with many variations. Some are negative and some are positive, but they all help to shape the journey we take, and make us who we are.
Whenever we hope to move from one point to the other, we are constantly pulled off course by life and its challenges. Focussing on the point we wish to reach is at the heart of Lee's book.
The responsibility of being a good teacher to others is huge. If we can positively instil knowledge in an inspiring way, it is far more likely to stick.
Human beings have an innate need to be right. This can be detrimental when dealing with others, but we must nurture the humility that allows us to be wrong, and to learn.

BEST MOMENTS

'I'm often called an author because I've written a book, but I'm definitely DEFINITELY not an author!'

'Life will constantly try to pull you off the straight line'

'You will work better in an environment where you like the people'

'I try to do the things that I consider to make me a good person'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE GUEST

My name is Lee. I put a book out last year called 'Do Shit, Get Shit Done' after a savage drug addiction. The book is about mindset and motivation and it hit #1 on Amazon in the UK and was featured on BBC1 News. I'm writing the second book now and I've recently started my own podcast.

I spent over 10 years giving talks in colleges, universities, and at events, and I now spend my time running businesses, writing, lecturing, and playing music.

https://www.instagram.com/drum_hacker

https://anchor.fm/leebridges/

https://www.leebridges.co.uk

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Achieving Continuous Improvement Through Discovering Your Purpose - with Rick Heyland

Sun, 06 Jun 2021 23:00:00 GMT

In this week's show, Tony talks to Rick Heyland, a consulting executive dedicated to ensuring the success and wellbeing of others by helping to define purpose and principles in life and business.

Rick discusses why a mission or purpose statement can empower us to chase improvement, why an outside perspective can help to identify broken processes, and the power of prioritisation.

KEY TAKEAWAYS

Discovering our mission/purpose statement empowers us in incredible ways. It helps to build courage and allows us to gain clarification.
People inherently want to do good work, no matter which field they are in. Sometimes they are held back by broken processes.
Giving thanks for where we have come from, and focussing upon where we go next, can help us to recognise the journey of each day.
When it comes to diary management, we must ensure that we make time for ourselves and our families, as if their happiness suffers, there is little purpose in what we are trying to achieve in business.

BEST MOMENTS

'There are all sorts of health benefits to this!'

'I'm a missionary - I'm a zealot!'

'You get really good at seeing the strengths and weaknesses'

'Focus on the blessings - focus on the learnings'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE GUEST

Rick is a successful consulting executive who loves living and managing his life by purpose, goals and effective stress management principles. He lives in Salt Lake City, Utah. He received his MBA from the Ivey Business School in London, Ontario, Canada. Rick and his wife Cheryl have six children and 15 grandchildren.

In 1987, after getting one of the lowest grades on his first MBA exam, Rick developed his purpose statement. The Purpose statement read in part: "I will strive for and share the benefits of Continuous Improvement in my life, my families, and those in my circle of influence." That Purpose statement helped him to become the youngest hire into a 30 person Continuous Improvement consulting company. Over 32 years, Rick helped grow that company into a well recognized 230 person Continuous improvement company. He retired in 2017, as the COO of the Americas and the second largest shareholder.

Living by his Purpose statement, Rick has achieved success in all areas of his life. Rick has run 14 marathons including qualifying and running in the 2003 Boston Marathon. Together with his family, he recently climbed Mt. Kilimanjaro in Tanzania, Africa. He loves striving for peak performance in order to accomplish his financial, spiritual, relationship and physical goals.

In 2006, he added an additional line on his purpose statement to more fully reflect his learnings on how to find success and happiness. "I desire to live Continuous Improvement with a spirit of love, acceptance, and compassion for others and myself." Many authors talk about the importance of manifestations and intentionality for success. Many authors talk about the importance of mindfulness and staying present for daily happiness. Rick integrated both ideas in a integrated performance improvement system to be productive and happy.

After retiring in 2017, he started an on-line coaching company, CI4life (Continuous Improvement 4 Life), to help others achieve their personal and professional goals and dreams. Go to www.ci4life.org for more details and insights.

Rick conducted a research study consisting of 1,400 participants from several different countries to determine key success factors for living a happy and productive life. Spoiler alert: The habits of the happiest and most productive are: 1. Regular exercise 2. Daily Planning and 3. Regular service.

In his on-line Video-based training course for small business: "Crush Your Goals for small business" he teaches small business owners/leaders how to improve their business performance by 20%.

Rick can help your listeners/viewers in 5 areas:

7 steps to increase your companies execution to achieve 20% improvement.

How to define and live your purpose (organization and personal)

Proper goal setting and achievement principles

Habits of the happiest and the most productive.

How to stay on purpose when the going gets tough. How to have the right mindset, skillset and tool set to handle the stress and setbacks that come along the path to accomplishing your goals and living your purpose.

Note: 100% of the profits from "Live Your Purpose" go to two charities: 1. 100whocare SLC. An organization who donates to local charities. 2. OUR: Operation Underground Railroad. An organization who rescues sexually exploited children.

Discover More

https://www.linkedin.com/in/rickheyland/

https://ci4life.org/

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

The Power Of The Written Word - with Jyotsna Ramachandran

Sun, 30 May 2021 23:00:00 GMT

This week, Tony talks to Jyotsna Ramachandran, the founder of Happy Self-Publishing and Author Success Academy, both devoted to helping coaches, speaker and entrepreneurs to amplify their message by creating books that land with impact.

Jyotsna discusses the ways in which she has scaled and grown her business model, and the ways in which writing and publishing can energise entrepreneurs and add credibility to any business message.

KEY TAKEAWAYS

The great entrepreneurs are the ones who spot the hole in the market and fill that missing piece with an idea that helps others to achieve their ambitions.
Ghost writers are far more talented than many give credit for. They take a subject and can write an interesting text around it. But they are not experts.
Angel writers are similar to ghost writers, but also have a knowledge of the subject on which they are writing, having researched themselves and spent time in the field.
Writing a book adds credibility to your brand, and helps to establish you as an authoritative voice in your sector.

BEST MOMENTS

'The model that I started out with is very different to the one I have today'

'An Impact Amplifier is a six-month journey with us'

'These are people who can write a book on any topic!'

'The next time anyone tells you they're a "best-seller" - ask them which list...?'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE GUEST

I am Jyotsna, your Author Success Coach and founder of Happy Self Publishing and Author Success Academy.

We are passionate about helping purpose-driven coaches, speakers, and entrepreneurs to amplify their message by authoring a book so they can grow their business and leave a legacy. After working with over 500 authors from 35 countries, I've been able to simplify the process and show you the easiest and fastest way to publish your book. It doesn't matter at what stage of your author journey you are currently - I have the tools & resources to take you to the next step and help you publish a world-class book.

My journey towards freedom began when I decided never to be an employee ever again. I tried out various businesses to support my decision- started a staff recruitment agency, became a franchisee of a chocolate brand, did freelance web designing, etc.

The arrival of my daughter Advika was the turning point in my life. I realized during my maternity break that none of my businesses were generating income if I was not actively working. I was actually self-employed, I was not a business owner. I had not built in the right systems to automate my businesses.

I understood that in order to enjoy true freedom I needed to create passive income streams. The best way to do that was to start online businesses. I now run a book publishing company Happy Self Publishing and coach purpose-driven individuals on how they too can convert their passion into an online business.

Through my books and blog, I share all the tools and strategies that have helped me transform myself from an employee to an entrepreneur, which I'm sure will help you too.

Discover More

https://www.youtube.com/jyotsnaramachandran

https://jyotsnaramachandran.com/

https://www.happyselfpublishing.com/

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

The Five Pillars Of Business - with Kay Suthar

Sun, 23 May 2021 23:00:00 GMT

This week, Tony meets author, business owner, coach and mentor, Kay Suthar, a specialist in helping people to achieve personal growth while balancing family and career through various strategies.

Kay discusses the five main pillars of business, and how she shapes her coaching strategies around them, as well as how relationships define our business and life.

KEY TAKEAWAYS

It's important to keep our minds and bodies maintained, so that we are better suited to dealing with the challenges that life can throw at us from time to time.
Sometimes we can lose sight of the reasons we went into business in the first place. We generally choose to do so in order to provide a better life for those we love, but business can overtake us if we do not regulate.
No amount of formal education can prepare us for the journey of business in reality. True experience comes from going out there and getting started.
Mistakes are not failures, but lessons that we can take away, absorb and learn from. Mistakes are what makes our natural education that much more robust.

BEST MOMENTS

'Sometimes life can take us in a different direction'

'We need to remember our reasons for being in business'

'No one prepares you for the real world'

'Don't ever have fear of making mistakes'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE GUEST

Kay Suthar has made it her life goal to empower individuals, entrepreneurs, groups and businesses in order to maximise their potential and expedite their success by assisting in achieving their goals and improving their performance through various business strategies.

Kay transitioned from having several health issues at one time, to closing sales, streamlining businesses and managing their finances to hit monthly targets before embarking on her own. Now she is running her very own business, coaching and training others.

So successful are her methods Kay received a letter from the Queen of England advising her that her book had been specially selected to be placed in the Private Royal Library. Furthermore, she was presented with an award for “The Authority in Inspirational Journey to Success” at her book launch in Toronto, Canada for her outstanding contribution.

Soon after this then led to Kay being interviewed on TV in New York, where she was featured on MNN, Roku Channels, Footprint TV, Amazon Fire TV, Huffington Post and ITunes. She was also approached by magazine editors from One Tribe Magazine who are one of the best personal growth magazine resource.

Kay has been involved in an amazing charity called Bali Wise which is located in Indonesia, where she also lived for 2 years. The charity empowers women through skills and education as a means to develop sustainable communities in Indonesia. Her role is to use her teachings to transform the women from being traditional housewives into growing and monetising their skills to achieve a better quality of life for them and their families.

Kay created Uncensored Society for entrepreneurs and business owners to help them with the 5 main pillars of business, Sales, Marketing, Finance, Operations and Leadership. This also includes the most important areas of their business lives: personal-growth and balancing family and career.

The goal is to provide entrepreneurs with the resources, tools, and skills they need to prosper and succeed with their business.

As an entrepreneur, I believe that it is important to be able to use strategies that are result based, to be undeniably genuine & authentic as well as being resourceful, creative, committed, determined & UNSTOPPABLE!

If you would like to get to know me better, go ahead and book a call using this link: https://calendly.com/kalpnasuthar/podcastguest

Discover More

https://www.uncensoredsociety.com

https://www.facebook.com/rawrealrelentless

https://www.youtube.com/channel/UCbSjRoDjqrGLx47FJXi7PjA

https://calendly.com/kalpnasuthar/podcastguest

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Increase Your Financial Literacy and Meet Your Goals - with Brian Dress

Sun, 16 May 2021 23:00:00 GMT

This week, Tony talks to Brian Dress, the Director of Research at Left Brain, a wealth management firm providing financial planning and investment advice, who currently service approximately 200 clients and manage over $167.5 million in assets.

Brian joins the show to talk about financial literacy and education, how to manage money effectively, and ensure that our financial goals are met.

KEY TAKEAWAYS

We must reassess and re-evaluate our attitude towards financial risks. Often we are better equipped to take risks than we believe. It all begins with education.
Wealth management is built upon a simple formula - how much can you save, what are your goals, and what can you generate in investment returns?
A risk management process is a research process. It is about visibility and understanding the ways in which a company is operating.
It's always wise to have some liquid cash available so that opportunities can be seized upon in the moment, which can deliver large rewards in a small amount of time.

BEST MOMENTS

'You have the ability to take more risks than you think'

'The core of what people ask us to do as advisors, is plan their financial life, going forwards'

'We're looking for category defining companies, or category killers'

'You get that feedback, the first time you jump in and take that risk'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Brian Dress LinkedIn - www.linkedin.com/in/briandress/

Left Brain - www.leftbrainir.com

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Half-Retiring To Increase Your Wealth - with Jim Muehlhausen

Mon, 10 May 2021 05:49:00 GMT

This week, Tony talks to money specialist, Jim Muehlhausen, a specialist in helping business owners to increase their wealth by the practice of "Half Retiring".

KEY TAKEAWAYS

People half-retire for many reasons. The main one is that they wish to keep their income, but want to get rid of the stress of the job itself.
Some do not wish to retire altogether, as they love their business. Half-retirement is the perfect solution for this, allowing them to remain a part of operations, while also taking a step back.
Without mind-set changes, you cannot half-retire. Systemisation can only take you so far. We need to think differently altogether.
Delegation alone does not always work. It focusses far too much on We should seek to eliminate elements that do not work instead of finding new ways to do them.

BEST MOMENTS

'If I could keep that income but ditch the grief, that'd be awesome'

'Half-retirers keep the business but ditch the stress'

'If you don't have a good enough reason to half-retire then none of this stuff is going to work'

'I've now got a business that runs on autopilot, compared to the train wreck I had to show up at every day'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

https://exitcoach.podbean.com/e/jim-muehlhausen-are-you-ready-to-half-retire/

https://twitter.com/mule_kick

https://www.facebook.com/halfretire/

ABOUT THE GUEST

Like most entrepreneurs, Jim Muehlhausen has an eclectic background ranging from CPA, franchisee, attorney, business owner, consultant, franchisor, public speaker, university professor, and book author.

While still attending the Indiana University School of Law, he became the youngest franchisee in Meineke Discount Muffler history (1987-1991). After successfully selling that business, Jim founded an automotive aftermarket manufacturing concern. During his 9-year tenure with that business, the company achieved recognition from Michael Porter of the Harvard Business School and Inc. Magazine in the IC 100 Fastest-Growing Businesses.

Twenty years ago, he found his true passion, serving as a consultant, business coach, and advisor to hundreds of businesses. During his 10,000+ one-on-one consulting sessions with business owners around the globe, Jim realized that while all business issues look unique, they rarely are. Most businesses are working to seize the same opportunities and overcome the same obstacles. To help business owners share best practices and stop learning from the “School of Hard Knocks,” he wrote the well-regarded book The 51 Fatal Business Errors and How to Avoid Them.

His ongoing research led to the discovery of fatal business error #52: You can't outsmart, outhustle, or outmaneuver a weak business model. The more he studied business models and worked with business owners, the more convinced he became that business models were the key to a great business.

In 2009, he founded the Business Model Institute which is devoted to the innovation and study of business models. Jim writes several articles for the Institute each year as well as contributing to publications such as Inc., The Small Business Report, Entrepreneur, BusinessWeek, and various business journals and just completed the book Business Models for Dummies.

Jim has now turned his attention to the problems facing aging business owners. Ten years ago, Jim started to spot a trend. Business owners turning sixty-five were not selling their businesses and retiring. As he researched the issue, he found three reasons they were not selling: 1) they simply could not afford to sell the company, 2) they wanted to stay active, and 3) they wanted to maintain the business for the employees.

By studying thousands of business owners, Jim saw a select few that had shifted from “working income” to “equity income.” That is, these owners earned money by owning the business, not working in it. By collecting their best practices and augmenting them, Jim created the Half-Retire Blueprint. This step-by-step process helps business owners create a profitable alternative to selling their business via Half-Retirement. This trademarked system is outlined in Jim's new book Half-Retire: Keep your business, ditch the stress.

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Patreon Fans:

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Investment Education - with RC Peck

Sun, 02 May 2021 23:00:00 GMT

This week, Tony talks to RC Peck, an investment educator and trainer, who over the past 23 years, has helped tens of thousands and people across the world to achieve a better level of financial knowledge through an empowering library of training videos, blog posts and articles.

KEY TAKEAWAYS

Financial education is the most powerful tool we can have in terms of planning out our lives.
Finance takes practical experience. When we take guidance from someone around finance, we must take it from the people who have been there.
There are three parts to every human – your wealth, your health and your relationships. You can't hire other people to manage them for you competently.
Trading is a fast way of making money, but if you have little education, it'll be a disaster for you.

BEST MOMENTS

‘I said “I'm gonna figure out this money thing”'

‘You can't read a book on swimming and learn how to swim'

‘Money doesn't have to be dull and boring. It can be lots of fun if you get it right'

‘With investing, which questions are you asking?'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

RC Peck Youtube - https://www.youtube.com/fearlesswealth

Fearless Wealth - https://www.fearlesswealth.com/freecourse

RC Peck facebook - https://facebook.com/fearlesswealth

ABOUT THE GUEST

Over the past 23 years, RC's training, videos, blog posts and articles have helped tens of thousands of people from all over the globe.

RC's been a money expert on CNN, CNBC, Bloomberg, FoxBusiness News, MSNBC, ABC and countless podcasts.

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Patreon Fans:

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Mastering Ourselves And Removing The Barriers To Success - with Fenella Hemus

Sun, 25 Apr 2021 23:00:00 GMT

This week, Tony talks to Fenella Hemus, NLP Master Coach and trainer, about the ways in which she uses these techniques and tools to enable people to move past blocks and be the best that they can be.

KEY TAKEAWAYS

Neuro-linguisitic programming helps people to dismantle the barriers that may be holding them back from achieving greatness. Through careful practice, we can achieve far more with its help.
High achievers have a strong desire to be perfect at everything. This can result in greater dismay when failure is experienced.
Adverse childhood experiences can negatively impact health later in life. NLP can help to unlock these hidden traumas and aid in recovery.
The generation of children we have now are fearful and anxious. They are not born this way, and so it must mean that the levels of anxiety we are feeling is bleeding down to the next generation.

BEST MOMENTS

'These things can stop people having a joyful, successful life'

'Change is exciting!'

'Stress and anxiety are not very good for our mental health'

'Lots of people are feeling disconnected, and it's causing them problems'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Fenella Hemus LinkedIn - https://www.linkedin.com/in/fenella-hemus/?originalSubdomain=uk

Above Beyond Coaching - https://abovebeyondcoaching.co.uk/

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Patreon Fans: https://www.patreon.com/TTWealth

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

A Conversation With The CEO Confidant - Angel Ribo

Sun, 18 Apr 2021 23:00:00 GMT

This week, Tony talks to Angel Ribo, known as "The CEO Confidant", about the ways in which he helps corporate CEOs and entrepreneurs to bridge the gap globally for expansion and exposure, as a way to accelerate the growth of their businesses.

KEY TAKEAWAYS

There is no substitute for experience. Angel is best placed to help an international clientele, as his experience has taken him across the world, and through the journeys of many different corporations.
There any many different factors to consider before taking your business international. One of the main concerns is the logistical issue.
Many think that large corporations are the only ones able to go global, but that is not true. Right now, technology has opened up barriers to entry across the planet.
We don't get anywhere by doubting. We need to take risks, look for the positives, and stride towards success.

BEST MOMENTS

'That is why I do what I do'

'Internationalisation plays a key role'

'We have developed great relationships with partners in many countries'

'When you are presented with an opportunity, what you should ask yourself is "Why not?"'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE GUEST

Angel RIBO, known as The CEO Confidant, is an Influencer, LinkedIn strategist, International TV Host, Public Speaker, CEO Consultant, Board Member, and Philanthropist. My Most Important Circle of Influence is on LinkedIn - please email me for Audience Demographics ( Total outreach of 56,193 of which 27,368 is on LinkedIn). Begin your proposal by clicking “Contact Me” above.

All my social Media Outlets are accessible here: https://linkfol.io/theceoconfidant

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Patreon Fans: https://www.patreon.com/TTWealth

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Achieving Financial Freedom Through Property Investment - with Mark Lloyd

Sun, 11 Apr 2021 23:00:00 GMT

This week, Tony talks to property investor and mentor, Mark Lloyd, about his career, his mentorship programmes, and how he helps others to achieve financial freedom through property investment.

KEY TAKEAWAYS

Mentoring works best with a hybrid model - a group dynamic aids others in the learning environment, followed by one-on-one time where individual concerns can be addressed.
The more strategies we have in our arsenal, the better placed we are to take on the differing opportunities that come our way.
The strategies to focus on in the beginning will all depend upon the capital that an investor has at their disposal.
Commercial property is a very different strategy and has many more benefits. The tenancies are long term, and the tenants are required to keep the properties in a good state.

BEST MOMENTS

'There didn't seem to be much out there that was answering the training questions of most people'

'What I teach and what I do is quite different...'

'A lot of people think they can't start with a mere £10,000, but I'm telling you, that you can!'

'Commercial property is very much misunderstood in the investor market'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Mark Lloyd LinkedIn - https://www.linkedin.com/in/mlloydpma/

Mark Lloyd Facebook - https://www.facebook.com/MarkLloyd6/

Mark Lloyd Instagram - https://www.instagram.com/marklloydproperty/

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Patreon Fans: https://www.patreon.com/TTWealth

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Effective Business Empowerment - with Jane Ferre

Sun, 04 Apr 2021 23:00:00 GMT

Tony talks to executive career coach, Jane Ferre, about her business journey, the ways in which she works, and how she helps others to achieve their true business potential.

KEY TAKEAWAYS

Redundancies are the end of a role, not the end of you. If anything, redundant people come away stronger, having built their skill sets.
In the face of redundancy, we should take a step back and look at where we are in life. If we are still young, it might be time to pivot. If we're older, perhaps it's time to think about wrapping up our working life.
In the HR sector, professionals need their own set of professionals. We sometimes forget that those who steer careers need their own mentors and coaches to guide them.
If you're seeking to impress at performance reviews or the like, go back to the achievements you've been able to quantify in the past year and use the data to prove your value.

BEST MOMENTS

'People are not redundant - roles are redundant'

'Every coach has a coach'

'I help people to translate what they do to the language of the business'

'Go back to your performance reviews, because that is a whole stack of data!'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Jane Ferre - www.janeferre.com

Jane Ferre LinkedIn - https://www.linkedin.com/in/janeferre/

Jane Ferre Twitter - https://twitter.com/JaneFerreCoach

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Patreon Fans: https://www.patreon.com/TTWealth

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

The Importance Of Investment Performance In Pensions

Sun, 28 Mar 2021 23:00:00 GMT

Today, Tony discusses why it's so crucial for your pension to perform well in the long term, and how a negative or positive flux could impact your future.

KEY TAKEAWAYS

Pensions represent a long term investment, more so than any other type of investment. This means it has more time to fortify against negative factors in the long run.
Seeking professional guidance is the best way in which to better secure the performance of your pension. Taking the right advice can mitigate any future hiccups.
The recent changes in how private pensions may be drawn upon means that many investors will draw on their pension pots more slowly, leaving much of it remaining in investment.

BEST MOMENTS

'The effect of compound returns is real and dynamic'

'An investor who can have better returns, have a far bigger pot after retirement'

'It highlights the importance of seeking help and advice'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Patreon Fans: https://www.patreon.com/TTWealth

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Financial Planning and How it Helps With Longevity Risk

Mon, 22 Mar 2021 00:00:00 GMT

In this week's episode, Tony talks about longevity risk, what it means and how it affects financial planning, as well as how it impacts the money you'll require for a secure and happy future.

KEY TAKEAWAYS

The single biggest challenge for people today is determining how much money they will need in order to secure their future.
Life expectancy is constantly shifting. In the past 100 years, life expectancy has risen dramatically, altering the futures we all plan for.
The precarious state of government finances and the inability of government to properly contain annual deficits, suggest there could be concerns in the future.

BEST MOMENTS

'Many people fail to understand longevity factors'

'People are living for longer, and the improvement is more pronounced for men than women'

'The next generations of retirees think that it'll be alright on the night!'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Patreon Fans: https://www.patreon.com/TTWealth

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Asset Allocation

Mon, 15 Mar 2021 00:00:00 GMT

This week, Tony discusses asset allocation, one of the most important aspects of investing, and how it may be the key to ensuring that your financial future is even more secure.

KEY TAKEAWAYS

If you have money in funds such as pensions or general investment holdings, then you must make sure that the returns are being maximised to their full potential.
Allocation describes the process of dividing your investments between different assets, such as cash, bonds, shares and property.
Seek expert help when it comes to deciding upon the assets used. Professionals may have a greater insight into which assets will work better for you and your money.

BEST MOMENTS

'Poor returns could mean a difference of tens, if not thousands of pounds'

'The percentage amounts you choose to allocate to different asset classes is the key'

'An active asset allocation approach describes the process of not leaving your assets always lined up in the same way'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

The Emotional Component Of Financial Planning - with Fanny Snaith

Mon, 08 Mar 2021 00:00:00 GMT

This week, Tony talks to financial wellbeing coach, Fanny Snaith, an expert in making sure your money works for you.

Tony and Fanny discuss the importance of making sure our financial futures are secure, and the role that our emotional attachment to money plays in our future planning.

KEY TAKEAWAYS

The best coaches are the ones who have lived through times in life where financial guidance has been needed. There is no substitute for practical experience.
When it comes to financial planning, it isn't about the numbers. It is about reconciling the emotional relationship we have with money.
Everyone has some kind of emotional attachment to money - albeit negatively or positively. For those with issues, it's about being aware of them, learning from them, and consciously moving past them.
Our attitude towards money is often the result of many years of slow development, generally beginning in our childhoods. It is difficult to surmount this ingrained perception.

BEST MOMENTS

'When you do anything yourself, you understand the process much better'

'It's not about the numbers. The numbers are nothing to do with it'

'Money touches all aspects of our lives'

'It's that deep-rooted obstacle that you can't get rid of'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Fanny Snaith - https://fannysnaith.com

Fanny Snaith LinkedIn - https://www.linkedin.com/in/fannysnaith/?originalSubdomain=uk

Fanny Snaith - Facebook - https://www.facebook.com/fsnaithcmc/

Fanny Snaith Twitter - https://twitter.com/FannySnaith1?lang=en-gb

Fanny Snaith Youtube - https://www.youtube.com/channel/UCu11iY06RMj1yW_y1k8reZQ

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Achieving Your Money Mind-Set - with Neil Doig

Mon, 01 Mar 2021 00:00:00 GMT

This week, Tony is joined by money coach, financial advisor, author and commodity trader, Neil Doig, the author of The Millenial Mind-Set.

Neil discusses the ways in which you can better prepare your mind-set for money by focussing on easy to follow money tips and coaching guidance.

KEY TAKEAWAYS

Money Tipps offers a "done with you" service as opposed to the more common "done for you" service, designed to inspire and educate when it comes to all things money.
There are far more people right now, who need education when it comes to money, as the world of finance has become far more intricate. Professional guidance is needed in order to better traverse this world of finance.
We have to set goals and put a map in place in order to make sure that we are on the road to financial security in the future.
Financial independence should always be centred around personal happiness, and not around the wealth itself. We may not necessarily need as much as we think. As ever, planning is essential.

BEST MOMENTS

'As soon as you set goals, that fog instantly clears'

'Today, everyone needs to be an investor'

'It's about educating, inspiring and giving money coaching'

'Have a purpose'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

Money Tipps - http://www.moneytipps.co.uk

Millenial Money Mindset (Amazon)

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Six Steps To Secure Your Retirement Income

Mon, 22 Feb 2021 00:00:00 GMT

Whether you're heading towards retirement, just about to retire, or already in retirement, you will face crucial decisions about how to organise your income. In this week's show Tony talks you through the six steps you need to take in order to secure your retirement income.

KEY TAKEAWAYS

When appraising our retirement income needs, we must consider factors such as assets, liabilities, current income and expenditure.
We must be brave enough to answer the hard questions when it comes to planning. For instance, if we have a partner, are they adequately protected in the event of your death?
Consider the date of your planned retirement and how old you will be. The earlier you retire, the more income you will need.
If utilising asset-backed investments do they support your needs? Consider the impact of personal side pensions or investment portfolios carefully, and always take professional advice.

BEST MOMENTS

'The intention is to help you craft the right solutions for your retirement and to support you in getting to the best income position you can achieve'

'Let's begin at the beginning'

'This exercise is like producing a picture of your financial position'

'We need to address some of the bigger unknowns'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

A Special Interview With Multimillion Dollar Entrepreneur Krisstina Wise

Mon, 15 Feb 2021 00:00:00 GMT

In this very special episode, Tony talks to multimillion dollar entrepreneur and investor, Krisstina Wise, about her business, "Wealthy Wellthy", her empowering journey through life, and how she helps others to turn business income into personal net worth and passive income.

KEY TAKEAWAYS

Journeys in life, no matter how troublesome at times, can also serve to inspire others during times of doubt and tribulation.
We must never be ashamed of where we come from. Even humble beginnings have their place in our lives, and the further you've ascended since then, the more empowering your story becomes.
There is a lot more to money that may appear at first, and those who effectively conquer it as a tool, learn from experience, and not from formal education.
We can't hope to generate wealth by constantly chasing money. In life we are conditioned to "chase the rabbit" but this is just a fool's errand.

BEST MOMENTS

'When people learn these things themselves, they can do these things themselves'

'You are helping others to live their best life, and on their terms'

'I share my story in order to show others what's possible'

'I am a rags-to-riches story'

VALUABLE RESOURCES

Wealthy Wellthy - https://wealthywellthy.life/about/

Krisstina Wise LinkedIn - https://www.linkedin.com/in/krisstinawise/

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Reviewing Your Goals, Needs and Investments

Mon, 08 Feb 2021 00:00:00 GMT

In this week's invaluable episode, Tony talks you through why a regular review of your goals, your needs and your investments, is the key to ensuring that your future remains secure.

KEY TAKEAWAYS

Focussing upon the key events in your life is crucial in determining the money you need in order to see you through. Consider the pivotal moments in life that are approaching and plan accordingly.
It's never too early to begin planning for your future. The earlier you start, the better fixed you'll be when the future arrives.
Diversify your portfolio when you can. Broadening the scope of your investments will spread your risk, and allow you to take better advantage of more markets.

BEST MOMENTS

'It's important to consider your financial situation and your reasons for investing'

'How much time you have will make a big impact on creating your investment portfolio'

'As a general rule, the more risk you are willing to take, the greater returns or losses you could stand to make'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Don't Put Your Future Plans At Risk

Mon, 01 Feb 2021 00:00:00 GMT

In this week's show, Tony talks about the ways in which you can ensure your future plans remain safe, and also how financial advisors can help you to achieve this security.

KEY TAKEAWAYS

Realistic expectations are vital in visualising the future ahead of us. This helps us to better grasp the resources we have, and the potential these resources have.
Endeavour to see the bumps in the road ahead. Contingency planning can help to alleviate these setbacks, and ensure we ride past them smoothly.
Ask your financial advisor for a regular review of the plans you have in place. This allows for any changes in your circumstances to be properly amended by a professional.

BEST MOMENTS

'Anything is possible if you manage your money in the right way'

'Evaluating your financial and lifestyle goals is essential if you want to get a picture of your future responsibilities and aspirations'

'A lifetime cashflow plan will enable you to produce a clear and detailed summary of your financial arrangements'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Designing Your Own Lifestyle Plan - Visualising Your Future

Mon, 25 Jan 2021 00:00:00 GMT

One of the most important parts of designing your lifestyle plan is to visualise the future you wish to achieve. In this week's show, Tony talks you through why this element of retirement planning is so crucial to the outcome you'll achieve.

KEY TAKEAWAYS

Reaching a state of financial wellbeing is when we get to the point in our lives where we have a sufficient level of income for our lifestyle needs.
We should never discount the fact that emergencies arise from time to time. We must endeavour to ensure that we have adequate finances in place to deal with these periods.
Budget plans can help us to keep control of our spending. Consider outgoings carefully, but also ensure that our family is well-protected.
Look for ways to grow your wealth over time. Take professional advice in these matters. We should always seek to grow our money, and never let it stagnate.

BEST MOMENTS

'Financial wellbeing ultimately comes from achieving financial security and independence'

'Make a budget you can stick to'

'Take action now!'

'Disruptions and disturbances are inevitable'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

How To Design Your Own Lifestyle Plan And Create A Total Wealth Solution

Mon, 18 Jan 2021 00:00:00 GMT

In this week's show, Tony talks you through the ways in which you can create a wealth solution by designing a lifestyle plan, and how by doing so we can make our futures more financially secure and independent.

KEY TAKEAWAYS

We all wish to be secure in our futures. It requires vision and a detailed plan, plus a willingness to commit to that plan.
The first step in the process of creating a plan is to understand our individual number - the amount you will need to live with complete peace of mind.
Setting financial goals will allow us to better visualise our end goals, and help us to make better financial decisions.

BEST MOMENTS

'What do YOU want from life?'

'Our life plan is a financial roadmap'

'If you don't know where you're going on life's journey, how will you know when you get there?'

VALUABLE RESOURCES

Tony Talks Wealth - https://omny.fm/shows/tony-talks-wealth

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Financial Action Plan

Mon, 11 Jan 2021 00:00:00 GMT

With a new year rolling in, there's never been a better time to take more control of your financial life. With this in mind, Tony is here to talk to you about why these plans are so important, and the ten best ways in which you can structure your own.

KEY TAKEAWAYS

Review your expenses regularly and look for ways, large and small, to cut back. Freeing up extra cash is a great way to get ahead, and allows you to face any unexpected challenges.
Tax really matters! Make sure you seek professional guidance and take advantage of any discounts, breaks or allowances that can work to your benefit.
Don't be afraid to speculate from time to time. Wise investments can provide you with a good income throughout life, so take guidance and invest wisely.

BEST MOMENTS

'Knowing where to begin - that's the key'

'Markets move through stages of growth, slowing down and speeding up!'

'You need to take some risks in order to generate a return'

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Blending Retirement Options - Retirement Wealth Check

Mon, 04 Jan 2021 00:00:00 GMT

This time, Tony examines two topics - blending your retirement options, and the importance of having a retirement wealth check in place.

KEY TAKEAWAYS

Blending your retirement options is about having the right balance between flexibility and security to suit your circumstances.
Review your spending habits and consider if you have the scope to save a little more each month. This will help you to enjoy the retirement that you want.
Make sure you don't miss out on having the full state pension if it's possible. It's a crucial area to get right as you could save lots of money.

BEST MOMENTS

'Remember that with any option, tax benefits are subject to change'

'Which combination is right for you will depend on a number of factors'

'Everybody's circumstances are different'

VALUABLE RESOURCES

Government State Pension - https://www.gov.uk/check-state-pension

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Accessing Cash From Your Pensions

Mon, 21 Dec 2020 00:00:00 GMT

In this week's show, Tony covers two vital topics - how to access small cash sums from your pension pot, and the pros and cons of cashing out your pension entirely if you wish to do so.

KEY TAKEAWAYS

For each cash withdrawal, the first 25% is tax-free. The rest comes as a taxable income. Be aware that each withdrawal may involve a charge.
Once you take money out of your pension pot, any growth in its value is taxable. Lump sums could reduce your entitlement to benefits.
If you're planning to put the money you've taken into savings or other investments, you should always compare and consider inheritance tax

BEST MOMENTS

'Most people underestimate how long their retirement is going to last for'

'Without very careful planning, you could run the money and have nothing to live on'

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Pension Freedoms

Mon, 14 Dec 2020 00:00:00 GMT

This week, Tony looks at the ever-more important topic of pension freedoms, with a particular focus upon the decisions you need to make in order to access your pension pots.

KEY TAKEAWAYS

Those aged over 55 now have a far greater freedom of choice in how they use their pension pots to fund their retirement years.
As ever, it is always wise to take professional, independent advice before attempting to access pension funds. Informed decisions are crucial.
You may now take your entire pension pot in one cash lump sum if you desire, but this could lead to a huge income tax bill, meaning less money during retirement.

BEST MOMENTS

'The secret to happiness is freedom!'

'Pension freedoms have made it much easier for people to access their pension pots'

'It's essential to obtain professional advice before you make any major decisions!

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Delaying Retirement

Mon, 07 Dec 2020 00:00:00 GMT

Today Tony talks about delaying retirement, and why many have now considered working for much longer than they previously hoped.

KEY TAKEAWAYS

The pandemic has forced a nationwide rethink of finance in general, and how we manage our money. As a result, many over the age of 50 have delayed plans to retire.
While some will choose to work for longer, the key consideration is that the pandemic has affected plans, rather than personal choice.
There are five key positive reasons to delay taking your pension:
- Your pension has longer to grow
- Maximise your savings potential
- Your employer will keep topping up your pension
- Tax relief until the age of 75
- Delaying state pension can boost your pension payments

BEST MOMENTS

'These figures are significantly higher for the over-50s'

‘People have been forced to rethink retirement plans because of the financial impact'

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Is Flexible Retirement Income The Answer You've Been Looking For?

Mon, 30 Nov 2020 00:00:00 GMT

Flexible retirement income is becoming an increasingly popular way of ensuring your money works for you in your retirement. In this week's edition, Tony talks you through how it works, and why it might be the financial answer you've been looking for.

KEY TAKEAWAYS

Flexible retirement income involves reinvesting your pension funds, with the aim of giving you a regular taxable income throughout retirement.
Users set the income they want, although this may change on a regular basis depending on the performance of your investments. You must manage this carefully as it is not guaranteed for life. Always take advice.
Bear in mind that large withdrawals may take you into a higher tax band. If the value of your pension savings is above a certain threshold, then further tax charges might apply.

BEST MOMENTS

'This can help you pay the bills and live your life!'

'This is always going to be personal to you as everyone is different'

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Leaving Retirement Money Invested

Mon, 23 Nov 2020 00:00:00 GMT

Everyone wants to make the most of the money they have for retirement, and to generate more income from the investments and schemes they've chosen. In this week's show, Tony talks you through the best ways to approach investments once that you've stopped earning a salary.

KEY TAKEAWAYS

Retirement is seen as a way of releasing the stresses of working life, and moving towards a new chapter. With rising living costs, however, the right strategy must be adhered to in order to maximise our accumulated wealth.
An assessment of our current investments and savings must be undertaken in order to first see if the accrued amount is sufficient, and secondly to establish the amount of income we may withdraw, and how often, and whether this sun is suitable for our needs.
A common mistake is to view our retirement funds with an element of finality. This leads to being too risk-averse. Retirement funds, if handled correctly, should generate more income.

BEST MOMENTS

'The right strategy can help make sure that your retirement savings last'

'The longer the time spent in retirement, the harder it becomes to be certain about the amount of assets you need'

'The key is to enjoy this time of your life'

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Staggered Retirement

Mon, 16 Nov 2020 00:00:00 GMT

Staggered retirement is becoming an increasingly popular option for people who aren't quite ready to leave the world of work, or who may not yet be in a position to do so. But how can we ensure we make the most of this option when the time comes?

In this week's show, Tony discusses staggered retirement, and why it might well be the perfect option for your retirement planning.

KEY TAKEAWAYS

Flexible working suits many of retirement age, especially if they are caring for others, or have health issues of their own.
Retirement can often be an unsettling period. After working for the majority of our lives in a full time capacity, many suffer emotionally at suddenly removing this large component of their lives.
Of retirees polled, 12% rely on income from property investments made in life, meaning that it is a large portion of much retirement income.

BEST MOMENTS

‘For many people of retirement age, continuing to work, at least on a part-time basis, is an option they are now considering'

‘It's important that pensions are required to last as long as possible'

‘It's really important to make sure that pensions work past retirement age'

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Post COVID-19 Retirement Planning

Mon, 09 Nov 2020 00:00:00 GMT

With many financial planning prospects now uncertain, Tony examines retirement planning; how it has been affected by COVID-19, and what you can do to make sure your future is better secured.

KEY TAKEAWAYS

The impulse to protect what we have, and secure the future for ourselves is understandably strong, especially with the radical financial shake-up caused by COVID-19 and its effects upon our society.
The key as we approach retirement is to keep close track of our pension contributions so that we know if we're closing in on our annual pension limits, or if we have scope to pay more into it.
Be flexible and make sure you're able to adapt, if and when required, to changes in our circumstances. This may require contribution adjustment, or re-evaluating the age at which we retire from working.

BEST MOMENTS

‘A well-planned retirement is a happy and secure one'

'The coronavirus pandemic has changed our concept of retirement forever'

'The secret to happiness is freedom'

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Embracing Change As A Positive Thing - with Bev Jones

Mon, 02 Nov 2020 00:00:00 GMT

Welcome to the Tony Talks Wealth Podcast!

Tony interviews real people about their money journey, their challenges, and how they overcame them. You will learn personal finance and practical money management tips to help you get your finances in order as well as your money mind set. He also discusses how to invest and plan for an early retirement and financial freedom in simple, easy to understand language. It's time to plan your finances and create your own ‘GAME Plan'.

‘If you fail to plan, you are planning to fail' – Benjamin Franklin

In today's episode, Tony talks to Bev Jones, an author, speaker, and founder of Awaken Coaching, helping business owners to find clarity and vision through mentoring and coaching.

Bev discusses the importance of self-care in the business world, and why it's okay to put ourselves first, and the surprising opportunities that can sometimes be found in the darker moments of life.

KEY TAKEAWAYS

Burnout and anxiety are certainly more prevalent in business nowadays. This is mainly due to the more open nature of business life. People feel comfortable in discussing their mental health needs in the workplace, and are encouraged to do so.
Do not have regrets about the world as it was. It has changed, but it has dealt a blow to the practices in society that perhaps needed to be swept away. The world is filled with new opportunities.
Redundancy, or a shift in career paths can be fearful. But it can also provide us with a chance to gain new perspective about out lives, and whether or not we are truly happy with our current situation.
Seeking the help of professionals, especially in the financial world, will often open up new and more creative ways to achieve financial freedom.

BEST MOMENTS

‘Life in general is moving at a faster pace than ever'

'To change you need to something about it

‘It's okay - change happens'

'The two most important days in your life are the day you're born, and the day you find out why'

VALUABLE RESOURCES

Awaken Coaching - https://www.awakencoaching.co.uk

Bev Jones LinkedIn - https://www.linkedin.com/in/beverley-jones/?originalSubdomain=uk

Time To Change Wales - https://www.timetochangewales.org.uk/en/

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Achieving Happiness Through Pure FInancial Planning - with Steve Conley

Mon, 02 Nov 2020 00:00:00 GMT

Welcome to the Tony Talks Wealth Podcast!

‘If you fail to plan, you are planning to fail' – Benjamin Franklin

In this episode, Tony talks to Steve Conley, the author of ‘Your Money Or Your Life', and the founder of The Academy Of Life Planning, about the changing face of global banking, the importance of financial education, and how you can begin to create wealth through pure financial planning.

KEY TAKEAWAYS

In the UK market there is a large problem with the advice gap, caused by the lack of trust in financial institutions. Surveys show that this image is changing slowly, but there is still work to do.
Products are designed to manage wealth, run it, or reserve it, but no product can create It's the client who creates wealth. We can aid them by creating a plan. It is here that we add the most value.
The financial industry has, for the longest time, been designed around the industry taking a cut of your earnings, holding it, and returning what's left at the end of your life. This system does not work. 95% of retirees have less than 100k when they retire.
First we must plan goals and actions with our clients. Goals must affect each element of life including mind and body, heart and spirit. Action plans are project plans, looking at money and the financial architecture required in order to support the life plan.

BEST MOMENTS

'There are no products that can create wealth'

‘It was an opportunity that was really missed by the banks'

‘As a pure financial planner, you educate your clients so they make informed decisions'

‘It's a great social benefit from pure financial planning'

VALUABLE RESOURCES

Your Money Or Your Life by Steve Conley (Amazon)

The Academy Of Life Planning - https://www.academyoflifeplanning.com/about-us/

Steve Conley LInkedIn - https://www.linkedin.com/in/stephenjamesconley/?originalSubdomain=uk

ABOUT THE GUEST

In essence, Steve, following a very successful career in the city wrote a book called Your Money or Your Life, worked as a Financial Adviser became disillusioned and broke, then set up the Academy of Life Planning. The academy helps other financial planners become life planners with ongoing support and also helps direct clients to create wealth and leave a legacy without providing regulated advice that is done by a traditional financial adviser.

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Responsible Business Coaching - with Helen Phillips

Mon, 02 Nov 2020 00:00:00 GMT

In this episode, Tony talks to business adviser, Helen Phillips, a specialist in helping businesses to achieve sustainable growth, about the ways in which her engineering background has enabled her to super-charge her financial career, why the role of business adviser carries with a huge responsibility, and the steps needed in order to re-evaluate the business world in the new working landscape.

KEY TAKEAWAYS

Coming from an engineering background has meant that Helen's ability to compartmentalise issues and processes, working on each in turn. This has been of huge benefit to Helen's clients, whose businesses may have multiple challenges at once.
Information about most subjects is abundant and freely available. The skill comes in translating this information and applying it correctly.
The first step to aiding a business owner is to re-examine the reasons for the founding of the business in the first place. Creating a vision and culture comes next, as well as learning how to delegate effectively.
The lockdown has seen many downsides, but it has also allowed many to step back and reconsider their business journey, altering in some cases, the path along which they are travelling.

BEST MOMENTS

‘It applies just as well to a rolling mill as it does to a business'

‘You have to have a burning desire to help'

'The things that make your business more valuable are also the things that give you more time'

‘It's an opportunity to create that new path that you want to travel'

VALUABLE RESOURCES

Mustard Advisers - https://mustardadvisers.com/team_members/helen-phillips/

Helen Phillips LInkedIn - https://www.linkedin.com/in/helen-phillips-a7999a8/?originalSubdomain=uk

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Turning Dreams Into Reality - with Karen Newton

Mon, 02 Nov 2020 00:00:00 GMT

Tony talks to author, speaker and wealth coach, Karen Newton, a specialist in helping clients to turn their dreams into reality through building businesses, investing in property and share markets, and protecting wealth by using bullion.

Karen discusses her incredible journey to success, the proven strategies that have energised her clients' finances, and the the crucial role that resilience has played in her story.

KEY TAKEAWAYS

The compounding strategy - monthly dividend shares - is one that Karen teaches to all her clients. It allows far more profit to be made in the long term.
Property investment requires creative thinking, hard work and resilience. A rocky property journey does not denote failure. Rather, it awards us with a valuable set of lessons.
There are many ways of investing, but when we filter them down to their essence, they all fall into four categories: business, property, digital/paper and cash.
Financial education is not always a simple case of improving knowledge. It is about adjusting the mind-set. It is about implementing a belief in one's self, so that we believe that anything is possible. It is about removing doubt.

BEST MOMENTS

'The compounding effect became a real to key to my investing strategies'

‘Our strategy was that it needed four walls and a roof!'

‘I just look at the deals that are out there and if it's good, I'll go for it'

‘It's not so much the skills, but more the mind-set of people'

VALUABLE RESOURCES

Karen Newton - http://karennewton.co.uk

Karen Newton Twitter - https://twitter.com/newydd105?lang=en

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.

Your Key Area Of Financial Focus

Mon, 02 Nov 2020 00:00:00 GMT

Welcome to the Tony Talks Wealth Podcast!

‘If you fail to plan, you are planning to fail' – Benjamin Franklin

In this episode, Tony tells you all about the mission behind the podcast, why now might be a better time than ever before to think about your place in the financial world, and how to recognise and examine the key areas in your financial life that need work.

KEY TAKEAWAYS

Even with a solid financial plan in place, we must revisit often in order to reflect any changes in the world around us.
Consolidate your debt by examining in detail, your outgoings and levels of interest. Once you have your monthly outgoing figure, work out if a debt consolidation loan may be a cheaper way to pay things off early.
Effective budgeting allows you to track progress and identify spending errors before they become disastrous. This practice will make you far more mindful of your spending choices each day.
Focus on your goals. Failing to plan is planning to fail! Goals are not finite. We need to set goals, and then re-examine them as we move through life. Do they need altering now that our position is different? Set short, medium and long-term goals and revisit often.

BEST MOMENTS

‘A tighter grip on finances is key'

‘Your budget will make sure that you are telling your money what to do, and not the other way around'

‘You're no longer just along for the ride on a financial rollercoaster'

‘Failing to plan is planning to fail'

ABOUT THE HOST

Tony Thomas is a published author, one of the top financial advisers in the UK voted for by his clients, the first Chartered Financial Planner in the UK, Independent Financial Adviser, Mentor, Trainer. Life Planner and Money Coach. He is also a pension and investment specialist as well as the regional Chartered Champion for South Wales.

“Live For Today, Invest For Tomorrow”

CONTACT

Tony's official website: https://ttwealth.co.uk/

Facebook: https://www.facebook.com/TonyThomas.IFA/

LinkedIn: https://www.linkedin.com/in/tonythomas2/

This show was brought to you by Progressive Media

Hosted on Acast. See acast.com/privacy for more information.