Shows
Last PaycheckAvoiding Probate: The Power of Naming the Right BeneficiariesIn this episode of The Last Paycheck Podcast, CFP Professional Archie Hoxton and Financial Advisor Jimmy Sutch break down one of the most overlooked aspects of estate planning: beneficiary designations. Many people assume that having a will is enough, but it's not. Archie and Jimmy explain how properly assigning beneficiaries on accounts like 401(k)s, IRAs, life insurance, and even bank accounts can help your loved ones avoid probate, legal delays, and unnecessary costs. They share real-world examples and tips on why outdated beneficiary designations can cause major issues, the difference between will provisions and...2025-07-2317 min
Last PaycheckSupport Your Adult Kids Financially or Focus on Retirement First?In this episode of The Last Paycheck Podcast, Certified Financial Planner professionals Archie Hoxton and Rob Hoxton tackle a common retirement dilemma: Should you help your adult children financially, and at what cost to your retirement? They explore the emotional and financial trade-offs of supporting grown kids, including how it can impact your long-term financial security. You'll learn: ✅ When it makes sense to offer help ✅ How to set healthy financial boundaries ✅ Why your retirement plan must come first ✅ How to encourage financial independence in your children Rob and Archie share practical st...2025-07-1616 min
Last PaycheckAre Your Money Habits Your Parents’ Fault? Understanding Financial BaggageIn this episode of the Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton dive into the roots of our financial habits by exploring the concept of “money scripts”—the core beliefs about money we pick up in childhood. Take your money script inventory: https://www.bradklontz.com/moneyscriptstest They discuss how these early experiences and family influences can shape our approach to saving, spending, and investing throughout life. Using both personal anecdotes and research-backed insights, Rob and Archie break down the four main money scripts: money avoidance, money worship, money status, and money vigilance. They sha...2025-07-0919 min
Last PaycheckHow Much Should You Have Saved for Retirement by Now?Welcome back to the Last Paycheck Podcast! CFP Professional Rob Hoxton and Financial Advisor Jimmy Sutch dive into one of the most common questions about retirement: "How do I know if I've saved enough for retirement by now?" Rob and Jimmy break down popular retirement savings rules of thumb, like how many times your annual salary you should have saved at different ages, and analyze real-world averages from recent surveys. They also discuss why so many people find themselves behind in saving, exploring topics like behavioral habits, present bias, and rising costs of living. Throughout th...2025-07-0217 min
Last PaycheckThe Truth About Millionaires Next Door: How Ordinary People Build Real WealthHow do you become the millionaire next door? CFP Professionals Archie Hoxton and Rob Hoxton take a deep dive into what it truly means to be the "millionaire next door." They dispel the myths commonly perpetuated by social media, highlighting that most American millionaires are not flashy spenders but instead live simply, drive modest cars, and focus on saving rather than spending. Drawing from decades of financial planning experience and reputable studies, the hosts share surprising statistics—like how 79% of millionaires didn’t inherit their wealth and how the top millionaire careers are often quite ordina...2025-06-2516 min
Hoxton LifeInflation Protection Investing: How Canaccord and Hoxton Wealth Tackle the Turbulent 20sIn this episode, Chris Ball from Hoxton Wealth sits down with Tom Beckett, Chief Investment Officer at Canaccord, for an honest conversation about what it takes to invest confidently when markets are messy.Tom has over two decades of experience managing money through good times and bad. He shares how Canaccord builds portfolios that stay balanced, protect against inflation, and don’t get caught up in short-term hype.Chris and Tom cover:How Canaccord’s approach focuses on consistency and real-world outcomesWhy fixed income is finally interesting againWhat inflat...2025-06-2046 minHoxton LifeInside Hoxton Wealth’s New Portfolio Strategy with Pacific Asset Management | Freddie StreeterIn this episode of the Hoxton Life podcast, Chris sits down with Freddie Streeter from Pacific Asset Management to unpack the thinking behind a powerful new partnership. Together, they've built five risk-rated portfolios designed not around spreadsheets, but around real people - grounded in simplicity, discipline, and behavioural insight.They discuss:Why "alpha is in the advice"The rise of passive investing and what it really meansHow PAM’s technology supports clearer, faster communicationHow Hoxton’s planning philosophy shaped the portfoliosThe importance of staying invested and avoiding emotional decisionsThis isn’t just...2025-06-1342 min
Last PaycheckShould You Take Social Security Early? 5 Surprising Reasons to Consider ItIn this week's episode of Last Paycheck Podcast, CFP Professional Archie Hoxton and financial advisor Jimmy Sutch tackle one of retirement's biggest questions: Should you take Social Security early? Archie and Jimmy break down the conventional wisdom around delaying benefits and offer fresh insight into five key reasons why claiming early might be right for you. They explore factors like health, income needs, legacy planning, concerns about Social Security's future, and unique strategies for couples with different benefit amounts. They emphasize that Social Security decisions are highly personal—what works best depends on your financial picture, life exp...2025-06-1116 min
Last PaycheckIs Long Term Care Insurance Worth It? Pros and Cons as You AgeWelcome to the 100th episode of the Last Paycheck Podcast! CFP Professionals Rob Hoxton and Archie Hoxton celebrate with viewers and dive deep into the crucial topic of long-term care insurance. The hosts share statistics from the U.S. Department of Health and Human Services, revealing that 70% of adults over age 65 will need some form of long-term care. Rob and Archie break down what long-term care insurance is, identify common trigger points for needing it, and guide listeners through key scenarios where having coverage could be essential—such as having no close family support or wanting to pro...2025-06-0417 min
Last Paycheck5 Reasons You Should Retire EarlyHave you ever wondered if retiring before 65 or 70 is the right move for you? In this week's episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton dive into the hot topic of early retirement. The hosts share five compelling reasons why you should consider hanging up your work boots ahead of schedule, from regaining valuable time and prioritizing your health, to safeguarding your financial future in an ever-changing job market. They also discuss the benefits of phased retirement and the importance of retiring to something, not just from something, to ensure a fu...2025-05-2816 min
Last PaycheckHow to Find Meaning and Purpose in Retirement: Smart Giving Strategies and Living Well☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com 🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation In this episode of Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton dive into the important topic of making your retirement truly meaningful. They explore how retirees can find purpose after their final paycheck by shifting focus from work-related achievements to new sources of fulfillment. The discussion covers practical strategies for creating impact in retirement, including giving bac...2025-05-2117 minHoxton LifeDubai Tax Loopholes: Busted by a Chartered Accountant - with Jeri WilliamsWelcome to the podcast from Hoxton Wealth - honest conversations on life, finance, and building wealth across borders.What really happens when you move your business to Dubai?This week on Hoxton Life, Chris Ball sits down with chartered accountant and entrepreneur Jeri Williams (Smooth Accounting) to separate fact from fiction.They cover:The biggest tax myths people fall forWhy you can't just ‘say’ you run your business from DubaiThe five-year rule, HMRC scrutiny, and split-year residency trapsReal-world success stories and mistakes to avoidJeri shares her own...2025-05-1635 minLast PaycheckRelationships and Money: Aligning Goals, Values, and HabitsWelcome to the Last Paycheck Podcast! CFP Professionals Archie Hoxton and Rob Hoxton tackle the vital topic of financial alignment in relationships. Drawing from their experience working with couples, they discuss why communicating about money is essential and how early financial memories can shape each partner’s attitudes. They dive into common friction points, such as debt, spending differences, risk tolerance, and financial infidelity, and explore practical ways to overcome these challenges. They also highlight the importance of both partners participating in financial planning and suggest when to seek help from neutral third parties like financial planners or...2025-05-1416 min
Last PaycheckDIY Retirement Planning: Common Pitfalls and When to Hire a Financial PlannerIn this episode of the Last Paycheck Podcast, CFP Professionals Rob and Archie Hoxton tackle the increasingly popular topic of DIY retirement planning. They explore the advantages of taking a do-it-yourself approach, such as potential cost savings and the satisfaction of managing your own finances. However, the hosts also highlight the pitfalls that many DIY-ers face, including gaps in tax planning, investment management, and the risk of missing out on critical strategies like Roth conversions. Drawing from real-life examples and years of experience, Rob and Archie illustrate how failing to account for long-term tax impacts can have l...2025-05-0715 minHoxton LifeHow I Helped a Couple Quit Work and Retire 10 Years Early! - with Bobby SahotaWhat REALLY Happens in a Financial Planning Meeting? | Bobby Sahota | Hoxton Life PodcastMost people think financial planning is just about numbers, pensions, and investment charts. But what if it's actually the first step toward peace of mind, freedom, and even early retirement?In this episode of Hoxton Life, Sam Oakes sits down with Bobby Sahota from Hoxton Wealth to explore what really happens in a financial planning meeting. No jargon. No pressure. Just an honest look at how one conversation can reshape your life.We hear the incredible...2025-05-0258 min
Last PaycheckFinancial Spring Cleaning Tips to Organize Your Money for a Stress-Free YearIn this week's episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton help you “spring clean” your finances. Using the momentum of tax season, they guide listeners through practical steps for getting organized and tackling financial clutter. Rob and Archie break down how to review your spending, manage subscriptions, consolidate accounts, and improve your password security. They share insights into why keeping too many accounts and unused subscriptions can cost you money and complicate tax time, plus tips for safeguarding against fraud and checking credit reports. The hosts also discuss the importance of regul...2025-04-3016 minHoxton LifeADHD, Adversity, and Ambition: Jonathon Jay’s Path to Becoming a Chartered Financial PlannerIn this deeply personal episode of Hoxton Life, Sam Oakes sits down with Jonathon Jay, Managing Director of Hoxton Wealth UK, to explore a story that spans continents, hardship, neurodiversity and career reinvention.From a luxury childhood in Saudi Arabia to starting over in Liverpool with just £70, Jonathon’s journey is one of grit, honesty and purpose. He opens up about how his father’s sudden business loss shaped his understanding of financial stability, and how living with ADHD led him to a career that finally aligned with his strengths and values.Now leadi...2025-04-2451 minHoxton LifeFootball, Financial Planning, and Finding the Right Fit: Stuart McDonald’s Story"I Didn’t Realise How Big This Could Be Until I Joined” - Stuart McDonald’s Story at Hoxton WealthIn this episode of Hoxton Life, Sam Oakes heads to Liverpool to sit down with Stuart McDonald, a financial planner who made a bold move after 14 years in the industry.Stuart left a comfortable position at a traditional firm to join Hoxton Wealth - and within just one year, he's now Director of the Liverpool office. But this isn’t just about a new job title. It’s about stepping into an environment that final...2025-04-1858 minHoxton LifeLifestyle Planning, Court of Protection & Farming Clients - A Financial Planner’s Unique JourneyThe Financial Planner Who Leads with Purpose - Featuring Teresa Dunning, Hoxton WealthIn this episode of Hoxton Life, I sit down with Teresa Dunning, Financial Planning Director at Hoxton Wealth, to talk about what it truly means to build a career around impact - not just numbers.Teresa has carved out a unique path in the financial planning profession, specialising in two powerful niches:Supporting farming families with succession and inheritance tax planningAdvising families affected by clinical negligence and personal injury, through...2025-04-0936 minHoxton LifeEntrepreneur vs. Intrapreneur: How Financial Planners Can Scale Without the Headaches - with Moheen AhmedWhat if the thing holding you back isn’t your talent - but your business model?Moheen Ahmed had everything a financial planner could want - an established practice, a strong client base of C-level executives and business owners, and over £1M+ in investable assets per client.But as his business grew, so did the burden - compliance, recruitment, and admin pulled him away from what he loved most: working with clients.Mo had to make a decision: Stay inde...2025-03-2744 minHoxton LifeHow Mentorship Shapes a Financial Planning Career - with James TrewrenWhat if the biggest risk in your career was never taking one at all?Most people want success - but how many are actually willing to leave behind everything familiar to chase it?James faced that exact question growing up in Cornwall, where life is slow, comfortable, and deeply rooted. Most people stay. He chose to leave.His journey took him from a quiet coastal town to London, then to Qatar, and finally to Dubai - where he became employee number 15 at Hoxton Wealth and built a career in...2025-03-1930 minHoxton LifeWhat's Next For Hoxton Wealth in 2025? - with Chris BallHoxton Wealth has been making waves in financial planning, and in this episode of Hoxton Life, our CEO Chris Ball shares exactly how the firm is shaking up the industry. From record-breaking growth to a bold new brand identity, 2024 was a turning point - so what’s next?Chris reveals how we went from an underdog to a powerhouse, hitting £2.13 billion in AUM and £20 million in revenue. He breaks down why our company rebrand was more than just a name change and how Hoxton is investing heavily in the next generation of financial advisers. Plus, with five plan...2025-03-1358 minHoxton LifeMoving to Dubai? Here’s Why Financial Planning is Essential! - with George StaintonIn this episode of Hoxton Life, we sit down with George Stainton, a financial planner at Hoxton Wealth, to explore why financial planning is crucial for expats. Based in Dubai, George advises both UK and US expats on cross-border financial strategies, tax planning, and wealth management. We discuss the dangers of delaying financial planning, the benefits of an international approach, and real-life success stories of expats who transformed their financial futures.Key Takeaways:Expats often underestimate their financial needs and delay planning - this can be costly.Many UK expats don’t realise they ca...2025-03-0640 minHoxton LifeHow to Become a Financial Planner in 2025 – Trainee Pathway Explained!🚀 Want to become a top financial planner? Too many people rush into advising without the right skills, client base, or long-term vision—leading to failure. That’s why we created the Hoxton Wealth Pathway Programme, a structured, three-year, salaried journey that sets you up for success.In this episode of The Hoxton Life Podcast, we sit down with Chris Ball (CEO) and Jacob Hall to break down how the Pathway Programme works, why it’s different, and how it’s already producing some of the industry's top advisers.🔹 What...2025-03-041h 05Hoxton LifeHoxton Wealth's USA Expansion - Taylor SalleryIn this episode of the Hoxton Life Podcast, we sit down with Taylor Sallery, Commercial Director of Hoxton Wealth USA, to discuss the seismic shift in the US financial planning landscape and why it presents a once-in-a-lifetime opportunity for international financial planners.💡 What You’ll Learn in This Episode:Why 399,640 financial planners in the US aren’t addressing the growing demand for cross-border financial planning.The $67 trillion in liquid investable assets market in the US and why global financial expertise is more va...2025-02-2829 min
Last PaycheckFinancial Freedom: Essential Tips to Remove Barriers and Build Lasting WealthWelcome to the Last Paycheck Podcast! Today, CFP professional Archie Hoxton and Financial Advisor Jimmy Sutch dive deep into the common hindrances people face when trying to accumulate wealth. They start by defining wealth, highlighting that it encompasses financial stability, time, health, and relationships. Then they explore how debt, especially when invested in depreciating assets like vehicles, can cripple wealth-building efforts. Archie and Jimmy underscore the significance of making sound investment decisions and the pitfalls of emotional market timing. They also address the financial implications of life events like divorce and raising children and delve into the i...2025-02-2616 minHoxton LifeThe Truth About Selling Your Financial Planning Business – What You Need to Know - with Tom MaddisonSelling your financial planning business is one of the biggest decisions you’ll ever make. It’s not just about numbers—it’s about your clients, your team, and the future of everything you’ve built.In this episode of The Hoxton Life Podcast, I sit down with Tom Maddison, Acquisitions Director at Hoxton Wealth, to talk about:Why more financial planning business owners are selling right nowThe biggest concerns when considering an exit (and how to navigate them)Why private equity-backed consolidators aren’t always the best optionHow 2025-02-2530 min
Last PaycheckPrepare Now to Make Taxes Less TaxingIt's time to start thinking about tax season! In this episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton delve into the often dreaded but unavoidable topic of tax preparation. With the April 15th filing deadline looming, they offer valuable insights to ensure this annual chore is as stress-free and efficient as possible. Rob and Archie discuss the various options for preparing taxes, from the challenges of self-preparation to utilizing online tools like TurboTax, and the benefits of enlisting a professional CPA, especially amid a shortage of tax preparers. They emphasize the importance o...2025-02-1918 minHoxton LifeMoving to France Made Easy: Expert Tips for Americans & BritsIs moving to France the new American dream? More and more Americans are leaving the U.S. for a better quality of life, lower cost of living, and a fresh start in France. But making the move isn’t as simple as packing your bags - there are visas, banking restrictions, taxes, and bureaucracy to navigate.That’s why in this episode of Hoxton Life, we sit down with Richard Hammond-Chambers-Borgnis, founder of French Connections HCB, the experts in helping English speakers relocate to Fran...2025-02-1953 minHoxton LifeHow Linda and Laura Are Beating the Odds in Financial Planning (From South America to the UK)In this episode of Hoxton Life, host Julia Duke Vinton sits down with Laura Gomez (Paraplanner) and Linda Lago (Financial Adviser) who share their journeys into the financial planning profession with Hoxton Wealth. Both originally from South America, they discuss their transitions from Colombia and Venezuela to the UK, the challenges they faced in adapting to new regulatory environments, and the rewarding aspects of working in an international financial planning firm.They reflect on how their diverse backgrounds have uniquely positioned them to connect with international clients, the importance of mentorship, and the advantages of being women...2025-02-1030 minHoxton LifePensions for Expats in the GCC: What You Need to Know - with Ravi Gill and Thomas GoldieDid you know over 240,000 Brits have already made the UAE their home? 🇦🇪And with over 5,000 British companies operating in the region, the GCC is quickly becoming one of the fastest-growing expat hubs for both individuals and businesses.So, what does that mean for pensions?This week, I sat down with Ravi Gill and Thomas Goldie, pensions and retirement specialists at Hoxton Wealth, to dive into the unique challenges and opportunities facing expats in the GCC when it comes to pensions.We discussed:Why pensions are of...2025-02-0634 min
Last PaycheckTax-Free Growth & Life Satisfaction: Real Money TalkWelcome back to the Last Paycheck Podcast! CFP Professionals Rob and Archie Hoxton dive into the world of viral financial advice videos. They start by reacting to a video discussing the importance of setting up a Roth IRA, highlighting the benefits and clearing up misconceptions. Rob and Archie debunk erroneous claims about tax penalties and emphasize the advantages of tax-free growth within a Roth IRA. They discuss practical rules for Roth IRA withdrawals, ensuring listeners understand the various conditions to access their funds penalty-free. Additionally, the hosts touch on the best and worst financial advice featured in a...2025-02-0517 minHoxton LifeHow to Set Kids Up for a Life Without Money Stress - with Ben BolgerAre We Failing Our Children When It Comes to Money?Money is one of the biggest causes of stress and mental health issues—yet we still don’t teach kids how to manage it. Studies show that financial habits start forming by age 7, but most young people enter adulthood with no real financial education.In this episode of Hoxton Life, Jacob Hall (financial planner, husband to a teacher, and father of two) sits down with Ben Bolger, co-founder of Squirrel Education, to explore how gamifying fina...2025-02-0325 minHoxton LifeBuilding One Global Financial Planning Company: Hoxton Wealth’s Vision - with Jonathon Jay and Jacob HallEpisode OverviewIn this episode of Hoxton Life, host Sam Oakes sits down with Jonathon Jay (Director of UK Advice) and Jacob Hall (Global Head of Advisory, based in Dubai) to discuss how Hoxton Wealth is redefining financial planning on a global scale.With a presence across multiple jurisdictions, Hoxton is focused on collaboration, shared learning, and replicating best practices worldwide to ensure every client—no matter where they are—receives a gold standard of financial advice.Jonathon and Jacob share insights on:...2025-01-3053 min
Last PaycheckHidden Threats to Your Retirement: Inflation, Healthcare, and Emotional InvestingWelcome to the Last Paycheck Podcast! CFP professionals Rob and Archie Hoxton delve into the often-overlooked risks that can threaten your financial stability in retirement. While many are aware of the commonly discussed threats, this episode sheds light on hidden landmines like inflation, healthcare costs, long-term care, and the mistakes driven by emotional investing. Rob and Archie explain how these risks can erode your purchasing power and derail your financial plans, emphasizing the importance of sound portfolio construction and disciplined investing. They also offer actionable strategies to mitigate these risks, such as planning for inflation, choosing the r...2025-01-2917 minHoxton LifeThe Dangers of "Lifestyle Creep" in Dubai - with Dewi EvansDubai is a city of opportunity, but it’s also a city of temptation. Supercars, designer clothes, beach clubs—it’s easy to feel like you need to spend, spend, spend to fit in. Dewi Evans knows this feeling all too well.In this episode of the Hoxton Life podcast, Dewi shares how he fell into the trap of lifestyle creep, where more money meant more expenses. But he also shares how he turned things around, learning to balance his lifestyle with his long-term goals. Now, as a financial planner, he helps clients across the GCC do...2025-01-2857 minHoxton LifePromoted to Head of UK Paraplanning within 6 months at Hoxton Wealth - David WhitehouseIn this episode of Hoxton Life, Sam Oakes sits down with David Whitehouse, the Paraplanning Manager for Hoxton Wealth’s UK team, who now lives and works in Dubai. David shares his remarkable journey of joining Hoxton as a UK-based paraplanner and earning a rapid promotion to Head of Paraplanning. The conversation highlights his professional growth, the unique aspects of paraplanning in an international setting, and how Dubai’s vibrant lifestyle and multicultural community have positively impacted his career and family life.Whether you're a paraplanner looking to advance your career or someone considering an international move, Davi...2025-01-2329 min