Shows
Friends For Life PodcastTony Thomas on Building a Career in Disability ServicesIn this inspiring episode of IDD Health Matters with Dr. Craig Escudé, we welcome Tony Thomas, Executive Director of Welcome House in Cleveland, Ohio. With over 24 years of leadership experience, Tony shares his remarkable journey into the field of intellectual and developmental disabilities (IDD) — from a life-changing family discovery to a lifelong career dedicated to empowering individuals and advancing health equity. Tony discusses how frontline Direct Support Professionals (DSPs) are the heart of the disability services field, his innovative initiatives to improve healthcare access for people with IDD, and how Welcome House is creating clear career pathways for...2025-04-2820 min
Tom NelsonTony Thomas: Don't trust the media on climate | Tom Nelson Pod #108TONY THOMAS has been a journalist in Australia since 1958 when he went straight from school at 18 to The West Australian newspaper, doing news and light features. He concurrently studied literature at university for eight years. In 1971 he switched to Economics coverage in the federal press gallery in Canberra, and a decade later he moved to Melbourne writing for the magazine Business Review Weekly for 20 years. He retired from paid journalism in 2001 but continues writing for the right-of-centre blog Quadrant Online. In the past ten years his output there has been 450-plus essays totalling about a million words. All up...2023-05-2443 min
Tony Talks Wealth Podcast100th Episode: What Does Wealth Mean To You?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 GUESTSSteve ConleyBev JonesKristina WiseFanny SnaithAngel RiboJim MeulhhausenRick HeylandJoseph WilkinsDr Clemen ChiangmaiEA CsolkovitsBEST MOMENTS‘The three kinds of wealth, financial wealth, health, and social wealth. Entrepreneurs are terrible about two of those...2022-10-2419 minTony Talks Wealth PodcastIndividual Savings AccountsIndividual 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 TAKEAWAYSSome 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 ov...2022-10-1006 minTony Talks Wealth PodcastUnderstanding Your Risk ToleranceRisk 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 TAKEAWAYSConsider 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...2022-10-0308 minTony Talks Wealth PodcastTaking Control Of Your FinancesInvesting 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 TAKEAWAYSCash Flow Modelling (CFM) is a powerful tool that can help you take control of your finances a...2022-09-2607 minTony Talks Wealth PodcastGoals Based InvestingGoals 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 TAKEAWAYSA 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 sp...2022-09-1907 minTony Talks Wealth PodcastHow To Maximise Your Pension SavingsTony 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 TAKEAWAYSWhen 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...2022-09-1207 minTony Talks Wealth PodcastDevelop a Robust Retirement PlanThe 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 TAKEAWAYSRetain 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...2022-09-0506 minTony Talks Wealth PodcastIs Inflation Eating Your Savings ?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 TAKEAWAYSTax 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 pa...2022-09-0508 minTony Talks Wealth PodcastRetirement Brings More Freedom, Plus Greater ResponsibilityIn 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 TAKEAWAYSLife 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 re...2022-08-2205 minTony Talks Wealth PodcastAccessing Your PensionTony 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 TAKEAWAYSPension 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...2022-08-1505 minTony Talks Wealth PodcastThe Changing Retirement LandscapeWith 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 TAKEAWAYSIt'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 y...2022-08-0807 minTony Talks Wealth PodcastCost of Saver InactionMany 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 TAKEAWAYSThe 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 ca...2022-08-0106 minTony Talks Wealth PodcastInvesting - 10 Key Principles That Every Investor Needs To KnowInvesting 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 TAKEAWAYSSet 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...2022-07-2508 minTony Talks Wealth PodcastSigns You Are Really Ready To RetireSo 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 TAKEAWAYSDo you have enough saved up to provide for yourself in retirement? If not, you may need to work longer to ensure a comfortable retirement.G...2022-07-1809 minTony Talks Wealth PodcastPound Cost AveragingWhen 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 TAKEAWAYSTrying 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 se...2022-07-1109 minTony Talks Wealth PodcastBuilding Financial WealthTony 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...2022-07-0409 minTony Talks Wealth PodcastNavigating The Costs Of Living CrisisWe 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 ad...2022-06-2710 minTony Talks Wealth PodcastDealing With DivorceFor 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 TAKEAWAYSSince 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 wit...2022-06-2007 minTony Talks Wealth PodcastFed Up With Your Nine-To-FiveThere 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 TAKEAWAYSThe most popular age currently to choose to retire is 60.More than h...2022-06-1308 minTony Talks Wealth PodcastLifetime TransfersIn 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...2022-06-0610 minTony Talks Wealth PodcastLasting Power of AttorneyIn 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 TAKEAWAYSAn 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 co...2022-05-3011 minTony Talks Wealth PodcastMaking a Will - Leaving Your Legacy BehindTony 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 TAKEAWAYSUnmarried 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 int...2022-05-2310 minTony Talks Wealth PodcastWhy Make a Will and Lasting Powers of Attorney ?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 TAKEAWAYSIf 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 wha...2022-05-1607 minTony Talks Wealth PodcastThe Inheritance Tax TrapMore 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 TAKEAWAYSInheritance 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 pa...2022-05-0907 minTony Talks Wealth PodcastIntergenerational Wealth Transfer PlansContinuing 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 TAKEAWAYSBy 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...2022-05-0209 minTony Talks Wealth PodcastHow To Keep Wealth In The FamilyTo 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 TAKEAWAYSWithout 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 en...2022-04-2511 minTony Talks Wealth PodcastDiversified Investment PortfoliosWhen 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 TAKEAWAYSA 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 iss...2022-04-1815 minTony Talks Wealth PodcastGetting Ready To RetireTony 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 TAKEAWAYSReview 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 st...2022-04-1107 minTony Talks Wealth PodcastHow Much Do I Need To Save To Retire Comfortably ?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 TAKEAWAYSWhat will your life look like after retirement? Are you planning to scale back on your spending or will you need more to provide for th...2022-04-0407 minTony Talks Wealth PodcastFocusing On Long Term HorizonsTo 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 TAKEAWAYSLong 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 h...2022-03-2806 minTony Talks Wealth PodcastTime Is MoneyTony 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 TAKEAWAYSSet investment goals. Be clear about your required outcome and aim for measurable a...2022-03-2110 minTony Talks Wealth PodcastThe Importance Of Financial ReviewsTony 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 TAKEAWAYSHaving 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 dive...2022-03-1407 minTony Talks Wealth PodcastVision Without Action Is Just A DreamWe 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 TAKEAWAYSGoal based financial planning enables investors to act in a systematic and disciplined manner to ac...2022-03-0707 minTony Talks Wealth PodcastRethinking Investment RiskWhether 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 TAKEAWAYSHigher 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 inv...2022-02-2809 minTony Talks Wealth PodcastWhy Cash Isn't King When Inflation ReignsTony 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 TAKEAWAYSInflation 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 you...2022-02-2105 minTony Talks Wealth PodcastTime In The Market, Not Timing The MarketWhen 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 TAKEAWAYSIt'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.M...2022-02-1407 minTony Talks Wealth PodcastThe Importance Of Setting Clear Investment GoalsPlanning 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 TAKEAWAYSConsider 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...2022-02-0711 minTony Talks Wealth PodcastShould I Transfer My Pension?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 TAKEAWAYSWhat 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 r...2022-01-3111 minTony Talks Wealth PodcastWhy Work With A Financial Adviser?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 TAKEAWAYSThe 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...2022-01-2415 minTony Talks Wealth PodcastEnd Of Year Tax Planning TipsAs 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 TAKEAWAYSReviewing 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...2022-01-1714 minTony Talks Wealth PodcastHow To Create A Personal Financial Plan In 8 StepsIt'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 TAKEAWAYSWhen 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...2022-01-1009 minTony Talks Wealth PodcastManaging CashflowsTony 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 TAKEAWAYSCashflow 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'...2022-01-0309 minTony Talks Wealth PodcastVisualising Your FutureThis 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 TAKEAWAYSFinancial 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...2021-12-2718 minTony Talks Wealth PodcastNew Year Investment ResolutionsAs 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 TAKEAWAYSYou 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...2021-12-2017 minTony Talks Wealth PodcastPhased RetirementIn 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 TAKEAWAYSRetirement 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...2021-12-1306 minTony Talks Wealth PodcastBusting Pension MythsThis 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 TAKEAWAYSThe 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...2021-12-0608 minTony Talks Wealth PodcastEarly RetirementIn 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 TAKEAWAYSAn 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...2021-11-2912 minTony Talks Wealth PodcastRetirement OptionsIn 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 TAKEAWAYSWhen 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...2021-11-2212 minTony Talks Wealth PodcastLifetime AllowanceThis 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 TAKEAWAYSIf 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...2021-11-1507 minTony Talks Wealth PodcastUpbeat About RetirementWhile 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 TAKEAWAYSPensions 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...2021-11-0810 minTony Talks Wealth PodcastThe Future Of Retirement: Part 2In 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 TAKEAWAYSWhen 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...2021-10-1113 minTony Talks Wealth PodcastThe Future Of Retirement - Part 1Tony 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 TAKEAWAYSIt'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...2021-10-0413 minTony Talks Wealth PodcastThe Six Principles Of InvestingThis 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 TAKEAWAYSCreating 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...2021-09-2709 minTony Talks Wealth PodcastCarving Out Your Own Path To Success - with Alina TimofeevaTony 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 TAKEAWAYSAlina'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...2021-09-2033 minTony Talks Wealth PodcastHow To Get The Most From Cryptocurrency - with Jeff HancockThis 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 TAKEAWAYSThe 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...2021-08-3047 minTony Talks Wealth PodcastRelationships With Money - with Morgana RaeTony 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 TAKEAWAYSFailure and struggle aren't always a dead end. Sometimes they point us towards other pathways and opportunities that can lead to successStarting at our lowest, darkest points, makes the gains so much more precious and...2021-08-2356 minTony Talks Wealth PodcastHow To Be A Born Achiever - with EA CsolkovitsThis 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 developmentEA 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 TAKEAWAYSOne 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...2021-08-0948 minTony Talks Wealth PodcastSuccessful Business Exits - with Marvin StormThis 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 TAKEAWAYSEvery entrepreneur has to, at some point in their journey, consider their...2021-08-0245 minTony Talks Wealth PodcastThe Psychology Of Investing - with Dr Clemen ChiangThis 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 TAKEAWAYSSetting 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...2021-07-2639 minTony Talks Wealth PodcastDeveloping The Skills For Success - with David MulonasThis 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 TAKEAWAYSCreating a brand isn't an instant thing...2021-07-1953 minTony Talks Wealth PodcastMake Great Things Happen For Yourself Today - with Maini HomerThis 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 TAKEAWAYSWhen 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...2021-07-1236 minTony Talks Wealth PodcastManagement Wealth Strategies And Tools - with Brendan Lee YoungThis 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 TAKEAWAYSServing 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...2021-07-0539 minTony Talks Wealth PodcastLook For The Silver Linings And Find Your Own Way To Happiness - with El EdwardsThis 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 TAKEAWAYSSometimes the goals that society set for us aren't the ones that make...2021-06-2844 minTony Talks Wealth Podcast8 Simple Steps To Make Your Video Go Viral - with Joseph WilkinsThis 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 TAKEAWAYSThe 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...2021-06-2147 minTony Talks Wealth PodcastThe Art Of Getting Things Done - with Lee BridgesThis 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 TAKEAWAYSLife is an intricate road map with many variations...2021-06-141h 00Tony Talks Wealth PodcastAchieving Continuous Improvement Through Discovering Your Purpose - with Rick HeylandIn 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 TAKEAWAYSDiscovering 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...2021-06-0736 minTony Talks Wealth PodcastThe Power Of The Written Word - with Jyotsna RamachandranThis 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 TAKEAWAYSThe great entrepreneurs are the ones who spot the hole in the market and fill that missing piece with an idea that helps others to...2021-05-3145 minTony Talks Wealth PodcastIncrease Your Financial Literacy and Meet Your Goals - with Brian DressThis 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 TAKEAWAYSWe 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...2021-05-1737 minTony Talks Wealth PodcastInvestment Education - with RC PeckThis 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 TAKEAWAYSFinancial 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 we...2021-05-031h 03Tony Talks Wealth PodcastMastering Ourselves And Removing The Barriers To Success - with Fenella HemusThis 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 TAKEAWAYSNeuro-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...2021-04-2653 minTony Talks Wealth PodcastA Conversation With The CEO Confidant - Angel RiboThis 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 TAKEAWAYSThere 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...2021-04-1948 minTony Talks Wealth PodcastAchieving Financial Freedom Through Property Investment - with Mark LloydThis 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 TAKEAWAYSMentoring 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...2021-04-1232 minTony Talks Wealth PodcastEffective Business Empowerment - with Jane FerreTony 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 TAKEAWAYSRedundancies 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...2021-04-0547 minTony Talks Wealth PodcastThe Importance Of Investment Performance In PensionsToday, 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 TAKEAWAYSPensions 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...2021-03-2916 minTony Talks Wealth PodcastFinancial Planning and How it Helps With Longevity RiskIn 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 TAKEAWAYSThe 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...2021-03-2223 minTony Talks Wealth PodcastAsset AllocationThis 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 TAKEAWAYSIf 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...2021-03-1523 minTony Talks Wealth PodcastThe Emotional Component Of Financial Planning - with Fanny SnaithThis 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 TAKEAWAYSThe 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...2021-03-0859 minTony Talks Wealth PodcastAchieving Your Money Mind-Set - with Neil DoigThis 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 TAKEAWAYSMoney 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...2021-03-0143 minTony Talks Wealth PodcastSix Steps To Secure Your Retirement IncomeWhether 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 TAKEAWAYSWhen 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...2021-02-2227 minTony Talks Wealth PodcastA Special Interview With Multimillion Dollar Entrepreneur Krisstina WiseIn 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 TAKEAWAYSJourneys 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...2021-02-1547 minTony Talks Wealth PodcastReviewing Your Goals, Needs and InvestmentsIn 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 TAKEAWAYSFocussing 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...2021-02-0820 minTony Talks Wealth PodcastDon't Put Your Future Plans At RiskIn 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 TAKEAWAYSRealistic 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...2021-02-0111 minTony Talks Wealth PodcastDesigning Your Own Lifestyle Plan - Visualising Your FutureOne 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 TAKEAWAYSReaching 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...2021-01-2518 minTony Talks Wealth PodcastHow To Design Your Own Lifestyle Plan And Create A Total Wealth SolutionIn 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 TAKEAWAYSWe 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...2021-01-1811 minTony Talks Wealth PodcastFinancial Action PlanWith 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 TAKEAWAYSReview 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...2021-01-1116 minTony Talks Wealth PodcastBlending Retirement Options - Retirement Wealth CheckThis time, Tony examines two topics - blending your retirement options, and the importance of having a retirement wealth check in place.KEY TAKEAWAYSBlending 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...2021-01-0407 minTony Talks Wealth PodcastAccessing Cash From Your PensionsIn 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 TAKEAWAYSFor 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...2020-12-2109 minTony Talks Wealth PodcastPension FreedomsThis 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 TAKEAWAYSThose 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...2020-12-1413 minTony Talks Wealth PodcastDelaying RetirementToday Tony talks about delaying retirement, and why many have now considered working for much longer than they previously hoped.KEY TAKEAWAYSThe 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 growMaximise your savings potentialYour employer will...2020-12-0707 minTony Talks Wealth PodcastIs Flexible Retirement Income The Answer You've Been Looking For?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...2020-11-3008 minTony Talks Wealth PodcastLeaving Retirement Money InvestedEveryone 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 an...2020-11-2309 minTony Talks Wealth PodcastStaggered RetirementStaggered 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 iss...2020-11-1606 minTony Talks Wealth PodcastPost COVID-19 Retirement PlanningWith 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...2020-11-0909 minTony Talks Wealth PodcastEmbracing Change As A Positive Thing - with Bev JonesWelcome 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...2020-11-0253 minTony Talks Wealth PodcastAchieving Happiness Through Pure FInancial Planning - with Steve ConleyWelcome 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...2020-11-0259 minTony Talks Wealth PodcastResponsible Business Coaching - with Helen PhillipsIn 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 cl...2020-11-0234 minTony Talks Wealth PodcastTurning Dreams Into Reality - with Karen NewtonTony 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...2020-11-021h 02Tony Talks Wealth PodcastYour Key Area Of Financial FocusWelcome 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...2020-11-0216 min