The Retirement Café Podcast (Justin King)

Planning for later life can be difficult. Whether you are planning for your own future or for a loved one, the subject of growing old can be emotional and easy to avoid.

And it is often made even more difficult when you start researching and are bombarded with a ton of information comprised of technical terminology.

Jackie Cleveland was faced with this issue when her mother-in-law wanted to start thinking about her future. With very little information and understanding about the options available to them, Jackie undertook the task of researching.

She soon discovered that the there was a wealth of information out there but trying to sift through it all was a bit overwhelming. This experience inspired her to set up Podplan, a service that collates all the information one might need when researching and planning for later life.

In our conversation Jackie shares the story behind Podplan, how Podplan can help anyone looking to the future and why it is so important to plan for any event that might occur as you enjoy later life.

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

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

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

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

Listen here on episode 071 of The Retirement Café Podcast

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

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

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

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

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

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

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

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

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

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

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

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

📘 The wait is finally over! My much-anticipated book, The Retirement Café Handbook - Nine Accelerators for a Successful Retirement, is now available to pre-order on Amazon!

To explore some of the key themes I am bringing back to the podcast a true maestro of understanding human behaviour and the mind-bending world of advertising - none other than Rory Sutherland, the ingenious UK Vice Chairman of Ogilvy, a global advertising powerhouse that needs no introduction.

Hold onto your headphones, because Rory isn't just an advertising titan – he's a TED Talk sensation! Imagine captivating the minds of millions, as his thought-provoking talks have been devoured nearly 7 million times. 

In this episode Rory reveals his thoughts as a behavioural scientist on some of the themes I explore in the Handbook, by diving headfirst into the ocean of retirement fears including when to retire, mastering your financial reservoir, and the intricate art of downsizing.

Together, we'll explain how The Retirement Café Handbook asks the right questions and helps you craft a roadmap towards a triumphant retirement. 

USEFUL LINKS

📘 Buy my new book The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3Q686I8

Find out more about The Retirement Café Handbook: https://www.theretirementcafe.co.uk/ 

Connect with Rory:
LinkedIn: https://www.linkedin.com/in/rorysutherland/
Twitter: https://twitter.com/rorysutherland
Watch Rory’s TED talks: https://www.ted.com/speakers/rory_sutherland

Buy Rory’s book:
📘 Alchemy: The Magic of Original Thinking in a World of Mind-Numbing Conformity - https://amzn.to/3QyOM6s 

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

CONNECT WITH ME

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

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

📘 Download my first book for free, Ready, Steady, Retire: 
https://wb198-89a1ad.pages.infusionsoft.net/ 
https://www.theretirementcafe.co.uk/ 

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

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

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

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

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

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

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

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

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

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

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

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

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

And Ken will, of course, continue to run.

Anthony Delauney is a Certified Financial Planner based in the USA and author of three financial education books, based on the ides of ‘Owning the Dash’. He was inspired to create the concept by his late cousin.

In his work Anthony applies the concept of a fitness master to the art of family financial planning. He believes we need to develop a mindset necessary to own the dash between our start and end dates in life - to take control of our futures. And getting a grip of our finances is an important part of the philosophy.

So Anthony helps families to make sense of and manage their money. He tackles the topic of retirement planning in his book ‘The No-Regrets Retirement Roadmap’ and how to teach children important money lessons to children with his ‘Dash and Nikki’ and ‘Lily and May’ children’s books.

David Adams is a filmmaker (https://davidadamsfilms.com.au/) and photojournalist with a string of incredible documentaries under his belt. He specialises in expeditions to remote regions.

He has a passion for archaeology, anthropology and history, which has taken him to exotic locations worldwide including Iran, Siberia, the Pacific Rim, Northern and Central Africa in search of indigenous peoples and their disappearing cultures.

David even served as a war correspondent in Afghanistan and Georgia for a period.

Alongside travel industry expert David Mannix, David founded Arcadia Expeditions to create truly immersive and authentic travel experiences.

In our conversation David shares his passion for adventure and investigating the world around us, he explains Arcadia Expeditions’ mission and the types of trips they organise, and why he believes meaningful and purposeful travel experiences can act as a catalyst for a more fulfilling life.

So if you are seeking more adventure in your life, I’m sure you’ll enjoy my conversation with David Adams.

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

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

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

You’ll learn:

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

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

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

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

USEFUL LINKS

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

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

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

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

CONNECT WITH ME

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

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

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

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

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

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

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

Listen here on episode 074 of The Retirement Café Podcast

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Listen here on episode 048 The Retirement Café Podcast.

A few weeks ago Holly joined us on the podcast to discuss what happens when you die without a will in place.

This week we welcome Holly back to discuss the rules of making gifts when you are acting in the role of an attorney under a Power of Attorney.

Most people want to mitigate the inheritance tax their estate will pay, and this need becomes more important as people get closer to the end of their life, even when they have lost mental capacity.

One way to reduce inheritance tax is to gift some of your asset. But there are some complex rules around gifting, especially if you are gifting on behalf of someone when acting as their Power of Attorney.

Holly is a solicitor who specialises in the Court of Protection and Mental Capacity. She is part of the Wills and Equity Committee at The Law Society which consults the government on issues around mental capacity and Lasting Powers of Attorney. She is a fountain of knowledge on this topic.

In our conversations we discuss the important role that attorneys play, how to understand what a donor’s “best interest” is and what this means for gifting, and the main rules for gifting when acting under a Power of Attorney.

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

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

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

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

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

Listen here on episode 046 The Retirement Café Podcast.

Have you ever sought financial advice?

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

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

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

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

Listen here on episode 070 of The Retirement Café Podcast

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

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

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

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

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

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

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

Cameron Passmore has been a leading advocate for evidence-based, systemic investing for over 20 years. He is Executive Chairman and Portfolio Manager at Canadian wealth management firm, PWL Capital and co-host of The Rational Reminder Podcast.

Cameron’s hugely successful podcast has featured some incredible guests from the world of investing and behavioural finance and aims to help make listeners better, more rational investors. His guests include investing research gurus Professor Ken French and Nobel Prize winning Eugene Fama.

I loved my conversation with Cameron. Unsurprisingly, we focused on the power of the stock markets, the timeless wisdom of investing in the great companies of the world, and how the  ‘wisdom of crowds’ applies to investing behaviour.

Cameron shares his definition of evidence-based, systemic investing and some fascinating stories and insights from his many conversations with experts in this field. He also points us towards episodes of his podcast that offer real depth of insight into what makes for a successful investment strategy for your retirement.

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

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

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

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

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

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

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

A few months ago, we launched a new series called The 9 Accelerators of Successful Retirement Planning. The series covers the 9 steps in our Retirement Success ProgrammeTM. This week, my wife and business partner, Kathy, is back in the interviewer’s chair to quiz me on why investing is such an important part of retirement planning and what the difference is between investing for retirement and investing in retirement.

In our in-depth conversation, I explain the effects that inflation will have on your retirement, what investment risk is and why we need to keep our emotions out of investing.

So far in the series, we have discussed the importance of Life Priorities, Lifetime Financial Forecasting and Minimising Lifetime Tax. Next up will be Asset Allocation.

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

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

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

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

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

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

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

But would you know where to start?

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

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

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

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

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

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

James Elliott is a psychotherapist and resilience coach. Using his 14 years in the British Army’s Airborne Forces developing skills in resilience to empower people to tackle a variety of challenges, he works with people ranging from professional athletes to politicians.

In our conversation James provides insight into how a loss of identity – either as a soldier or as a CEO – can be the hardest thing to deal with when retiring. A sense of identity is crucial to help you manage the next stage of your life, even better if what you enjoy doing helps benefit your community.

In his book, Think Yourself Resilient: Harness Your Emotions. Build Your Confidence. Transform Your Life he breaks resilience down into different pillars, looking at confidence, identity, goals, relationships and physical health. By focusing on these elements we give ourselves the best chance to be resilient to life changes.

Listen to more of his fascinating story here.

USEFUL LINKS

To connect with James:
https://www.linkedin.com/in/james-elliott-8360a41b5/ 
https://james-elliott.mykajabi.com/ 
https://www.instagram.com/jameselliottofficial/?hl=en 

James’s book is available to purchase here:
https://www.amazon.co.uk/Think-Yourself-Resilient-Emotions-Confidence/dp/1804190535/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=&sr= 

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

📘 Download my book, Ready, Steady, Retire: 
https://wb198-89a1ad.pages.infusionsoft.net/ 
https://www.theretirementcafe.co.uk/ 

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

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

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

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

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

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

Listen here on episode 069 of The Retirement Café Podcast

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

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

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

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

Happy New Year!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Listen here on episode 045 The Retirement Café Podcast.

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

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

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

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

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

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

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

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

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

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

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

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

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

USEFUL LINKS

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

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CONNECT WITH ME

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

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

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

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

Are you worried about getting old?

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

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

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

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

Seven years ago, Shannon McLay was working as a financial advisor with a big corporate bank feeling disheartened about the work she was during. The pro bono work she was doing helping people who couldn’t really afford her advice proved to be so much more fulfilling.

So Shannon founded The Financial Gym.

Based on a fitness-inspired approach to planning and managing your money, The Financial Gym aims to get 1 million people financially fit.

Shannon recognises the key to success for most people is having the on-going behavioural support to continue to make smart decisions about your money.

Tune in to hear Shannon’s story and more about The Financial Gym’s approach great financial health - regardless of your bank balance.

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

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

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

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

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

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

Listen here on episode 037 The Retirement Café Podcast.

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

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

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

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

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

Listen here on episode 082 of The Retirement Café Podcast.

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

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

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

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

Listen here on episode 075 of The Retirement Café Podcast

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

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

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

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

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

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

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

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

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

USEFUL LINKS

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

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

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

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

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

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CONNECT WITH ME

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

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

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

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

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

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

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

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

Listen here on episode 072 of The Retirement Café Podcast

Today, we're diving into the perplexing topic of why more people don’t buy annuities to provide a guaranteed income in retirement, and who better to have this conversation with than Billy Burrows.



Billy is a highly regarded financial adviser with over 30 years’ experience and founder of the Retirement Planning Project which aims to make it easier for people to get information and help on all aspects of retirement planning.



In our conversation Billy and I explore some of the reasons that deter potential annuity buyers from securing their retirement income, explain mortality drag and mortality cross subsidy, plus why buying annuities in stages can be beneficial.

We also discuss the impact future government policies could have upon pensions and annuities – in light of the upcoming general election.
 

USEFUL LINKS

Find out more about Billy: www.williamburrows.com 
Billy on Twitter / X: https://x.com/BillyBurrows

Billy on LinkedIn: https://www.linkedin.com/in/billy-burrows-6ab1521a/  

Billy’s previous episodes on the podcast:

Pension freedoms: https://www.theretirementcafe.co.uk/episodes/pension-freedoms 

Annuities: https://www.theretirementcafe.co.uk/episodes/william-burrows 

Pension income options – annuity versus drawdown: https://www.theretirementcafe.co.uk/episodes/179-annuity-billy-burrows 

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

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CONNECT WITH ME

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

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

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

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

Reading is a huge passion of mine as I am really interested in the insight of others. I love to learn about people’s stories and their lives.  I’m driven to read due to a fascination of people’s journeys.

In this episode I am sharing with you my must reads for this summer, in my view these books are interesting, insightful and provide much food for thought – I hope you will agree!

I have also suggested some YouTube videos & podcasts, both are a valuable resource to me and provide access to some great minds and points for discussion.

So lay back on your sun lounger and enjoy working your way through my recommendations, and don’t forget to let me know what you think.  You can email me at hello@theretirementcafe.co.uk or use the links below to connect.

USEFUL LINKS

How They Succeeded Life Stories of Successful Men Told by Themselves, by Orison Swett Marden (98p on Kindle) https://amzn.to/46q0t50 

The Path of Least Resistance: Learning to Become the Creative Force in Your Own Life, by Robert Fritz (on Audible) - https://amzn.to/3Xu40uU 

A Man for All Markets: From Las Vegas to Wall Street, How I Beat the Dealer and the Market, written by Edward O. Thorp - https://amzn.to/3CRUEzJ 

Change Your Brain: Neuroscientist Dr. Andrew Huberman | Rich Roll Podcast, on YouTube: https://youtu.be/SwQhKFMxmDY 

Walter Isaacson Elon Musk Twitter Space FULL – Video on YouTube: https://youtu.be/-yhuiovST4A 

Steve Jobs: The Exclusive Biography, by Walter Isaacson - https://amzn.to/44j7V0x 

Leonardo Da Vinci, by Walter Isaacson - https://amzn.to/3Ny36sJ 

Practical Tax Planning For Property: Jargon-free advice for investors and developers, by Alan Pink - https://amzn.to/46qnswN

The Essays of Warren Buffett: Lessons for Corporate America, by Lawrence A Cunningham, Warren Buffet - https://amzn.to/3NUiuRy 

Podcast: The Diary of a CEO with Steven Bartlett, on Apple Podcasts - https://podcasts.apple.com/gb/podcast/the-diary-of-a-ceo-with-steven-bartlett/id1291423644 

CONNECT WITH ME

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

📘 Download my book, Ready, Steady, Retire: 
https://wb198-89a1ad.pages.infusionsoft.net/ 
https://www.theretirementcafe.co.uk/ 

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

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

Chatting to me today is Dr Ben Hicks, Research Fellow at Brighton and Sussex Medical School. I first met Ben 5 years ago and invited him to be on the panel of one of our first Retirement Café events. Back then he was working hard to change the perception that dementia is no longer a death sentence in his role as psychologist and researcher with Bournemouth University Dementia Institute.

Although dementia is one of the most common and serious conditions society faces today with more than 800,000 people affected in the UK, Ben believes that with the right research technology and care, dementia sufferers can live well with the disease for many years.

As Co-ordinator of the DETERMIND research programme, Ben explains how the project looks at why care for dementia patients is unequal and the impact this has upon people’s health, level of comfort and happiness. Ben also shares some of his research findings and what this could mean for the future of care.

USEFUL LINKS

Find out about the DETERMIND study: https://determind.org.uk/

Take part in the DETERMIND study: https://determind.org.uk/take-part/

Listen to Ben’s first podcast: 005 The Big D – Why Dementia is not a death sentence: 005 The Big D – Why Dementia is not a death sentence

Email us for a copy of Ben’s latest research findings.

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

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

CONNECT WITH ME

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

📘 Download my book, Ready, Steady, Retire: https://wb198-89a1ad.pages.infusionsoft.net/ https://www.theretirementcafe.co.uk/

👉 Get my weekly newsletter: https://bit.ly/MFPnews

👉 MFP Wealth Management: https://www.mfpwealthmanagement.co.uk/

👉 LinkedIn: https://www.linkedin.com/in/justinking-online-retirement-planner-ifa/

👉 Twitter: https://twitter.com/JustinKingCFP

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

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

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

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

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

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

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

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

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

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

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

Renowned public health pioneer, Professor Sir Muir Gray, returned to the podcast to discuss his latest book - Increase your Brainability and reduce your risk of dementia.

The evidence is mounting and momentum is building behind the idea that we have a significant amount of control over our risk factors for developing dementia, from protecting our brain tissue to keeping the blood flowing, and Sir Muir shares the latest research with me.

He believes the prevention revolution is finally happening and explains how his new educational programme will be rolled out via the NHS encouraging people to ask for new trainers instead of chocolates on those milestone 60th, 70th or 80th birthdays.

There are a host more golden nuggets about his Optimal Ageing and Living Better Longer initiatives contained in this episode, so I hope you feel inspired and enjoy my conversation with Professor Sir Muir Gray.

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

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

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

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

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

Listen here on episode 078 of The Retirement Café Podcast

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here’s episode 15 of The Retirement Café Podcast.

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

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

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

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

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

Listen here on episode 084 of The Retirement Café Podcast.

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

The topics covered include:

• The introduction of tougher rules for peer-to-peer platforms (those that offer loans to small firms using cash garnered from investors), and what this really means
• How a crackdown on banking overdraft fees will likely result in an end to free banking in the UK 
• How best-buy fund lists are under the spotlight in the wake of Woodford troubles
• How switching saving accounts could save you money
• And finally .... vineyards will now qualify for business property relief, so could be a route to saving inheritance tax, for a very few amongst us!

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

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

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

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

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

Listen here on episode 080 of The Retirement Café Podcast.

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

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

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

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

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

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

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

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

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

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

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

We’ve all heard that ‘cash is king’, but is it when it comes to funding your retirement?

Inflation can ravage your retirement savings, which you need to grow to retain the value of your income in retirement. Which is why cash shouldn’t be the only way to hold your retirement money. The expected return on cash is much lower than the expected return on property, commodities, or equities. That is why asset allocation is such an important part of your retirement planning.

My wife and business partner, Kathy, is back with me this week to discuss what asset allocation is and how the different types of assets have different roles to play in your financial plan.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Listen here on episode 051 The Retirement Café Podcast.

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

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

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

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

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

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

📘 My new book The Retirement Café Handbook - Nine Accelerators for a Successful Retirement, is out now!

Get ready for a format twist this week on the podcast as I switch roles from host to guest. I'm absolutely thrilled to introduce none other than the incredible Pete Matthew, a dear friend and fellow Chartered Financial Planner, who's taking the reins as my guest host.

Now, if the world of personal finance sets your heart racing, then Pete Matthew needs no introduction. He's the mastermind behind the ground-breaking Meaningful Money podcast, a powerhouse with over 500 episodes under its belt. What’s more his YouTube channel, also named Meaningful Money, boasts an astounding 86,000 subscribers, so you will likely recognise Pete’s face or voice from somewhere.

You may have heard me mention over the past couple of weeks that I’ve written a new book. It’s called The Retirement Café Handbook - Nine Accelerators for a Successful Retirement, and it officially launches today! Race over to Amazon and order your copy pronto.

As the tables turn in this episode, Pete takes the lead and grills me about the journey that led to the creation of this book. We dive into the creative process, how this podcast was the inspiration, and I share how I hope this handbook will transform countless lives by paving the way to a truly meaningful retirement. Get ready, also, to discover the bedrock of my framework—the three pivotal levers of purpose, self-care, and planning. 

USEFUL LINKS

📘 Buy my new book The Retirement Café Handbook – Nine Accelerators for a Successful Retirement: https://amzn.to/3Q686I8

Find out more about The Retirement Café Handbook: https://www.theretirementcafe.co.uk/ 

Follow Pete Matthew:
LinkedIn: https://www.linkedin.com/in/petematthew/
Twitter: https://twitter.com/PeteMatthew
Meaningful Money YouTube channel: https://www.youtube.com/@MeaningfulMoney

CONNECT WITH ME

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

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

📘 Download my first book for free, Ready, Steady, Retire: 
https://wb198-89a1ad.pages.infusionsoft.net/ 
https://www.theretirementcafe.co.uk/ 

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

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

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

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

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

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

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

Listen here on episode 077 of The Retirement Café Podcast

Pre-order my new book ‘The Retirement Café Handbook – Nine Accelerators for a Successful Retirement’: https://amzn.to/3Q686I8

In this week’s podcast, Dr Martin Hyde is making getting old sexy.

Martin is a renowned gerontologist. In our conversation we delve into what being a gerontologist actually means, and Martin debunks the misconception that studying older individuals is uninteresting or uninspiring. 

Martin has collaborated with researchers from around the globe, allowing him to explore the diverse experiences of aging in different countries and among various groups of people. His work has truly become an exciting area of research, keeping him continually curious and eager to learn more about the complexities of aging.

Remember, that getting old also impacts the young!  Martin highlights the importance of looking at your whole life course, so you plan for what it takes to be old and happy.

I hope our conversation will open your eyes to how the perception of getting old does not match reality.
 

USEFUL LINKS

Connect with Martin:
LinkedIn: https://www.linkedin.com/in/martin-hyde-5815ab42/
Twitter: https://twitter.com/HydeM1976 
Reach Martin at Swansea University: https://www.swansea.ac.uk/staff/martin.hyde/ 

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

CONNECT WITH ME

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

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

📘 Download my book for free, Ready, Steady, Retire: 
https://wb198-89a1ad.pages.infusionsoft.net/ 
https://www.theretirementcafe.co.uk/ 

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

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

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

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

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

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

Listen here on episode 083 of The Retirement Café Podcast.

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

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

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

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

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

Listen here on episode 067 of The Retirement Café Podcast

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

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

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

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

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

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

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

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

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

• Department of Health Adult Safeguarding Advisory Board
• Joint Department of Health and Ministry of Justice National Mental Capacity Leadership forum
• Home Office Joint Financial task force.

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

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

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