In today’s episode,Roy speaks with Gill Lynes, Senior Financial Planning Manager at Carpenter Box FA on common situations and mistakes they see with pension planning; the potential implications mistakes can have on your financial future; the consequences, and how to avoid them.  Highlights in this episode: ●        Pension Strategy planning ●        The importance of having a will and Power of Attorney ●        How vital communication between family members can impact your financial plan ●        Some common m ..read more

Often, people aged over 55 decide to release equity from their property as a long-term loan that’s eventually re-paid using your home. Roy Thompson speaks with John Whyte an Equity Release Specialist at Equity Release Sussex on what equity release is, the different variations, common uses and when equitability is not suitable for you. Highlights in this episode: ●        What is Equity Release and how is it used? ●        The two most common types of equity release ●        Why people chose to release equity ●      &nbs ..read more

In this episode, Roy speaks with Caroline Clarke, a Psychotherapist based in Brighton who helps people navigate major life changes such as retirement. They discuss how you can prepare for a positive and successful retirement from an emotional and wellbeing perspective, including: The difference between expectations and reality of retirement Managing expectations of others and setting boundaries Coping with a loss of purpose and structure from work The link between mental and physical health Dealing with unexpected retirement ..read more

In this episode, Roy is joined by Ian Macara who heads the Private Client team at Bennett Griffin Solicitors in Worthing and specialises in contingency planning for life. They discuss the importance of having a Will and Power of Attorney (POA) and the potential consequences for those who do not have one in place. Ian provides some practical steps to help you make informed choices when planning for later life and why you shouldn't leave things to chance. Of the adult population, 2/3rds do not have a Will and only 8% have a registered Power of Attorney. Topics covered in this episode: What's ..read more

Roy Thompson speaks with Phoebe Stone, Head of Sustainable Investing at LGT Vestra. Sustainable (or ethical) investing has become increasingly popular, especially in recent times, as people look to leave the world in a better place for future generations. In this episode, Phoebe explains what sustainable investing is and the effect it can have on financial returns. They discuss: The incorporation of non-financial factors in investing (Environmental, Social and Governance) Academic research that has shown that sustainable investing can produce stronger financial returns for the investor The e ..read more

In part 1 of this special 2 part podcast series, Roy is joined by Dan Hobbs, a Tax Partner at MHA Carpenter Box. In the last few weeks Dan has focussed on keeping up to date with the Government updates and support available for businesses during the Coronavirus crises. In this episode, Dan talks through some of the major measures announced for businesses to help them with cash flow difficulties: Coronavirus Job Retention Scheme (CJRS) Self-Employed Income Support Scheme (SEISS) Coronavirus Business Interruption Loan Scheme (CBILS) Please note that this podcast was recorded on 1st April 2020 ..read more

In this episode Roy Thompson talks with Gill Lynes, Senior Financial Planning Manager at MHA Carpenter Box Financial Advisers. They discuss the various factors that result in many women under-saving for their pension and what actions can be taken to ensure a sufficient income in retirement. Statistics reveal that women are adversely affected when it comes to pensions. Research published by Unison show that 52% of women are adequately saving for retirement compared to 60% of men. In addition, female pensioners have on average a net weekly income which is approximately 85% of their male counter ..read more

In this episode Roy is joined by David Cooke, Investment Manager and Partner at Saltus Investment Management. They discuss the importance of investment risk and the returns you can achieve on your retirement funds. Topics include: The returns we can expect on invested money Considering the right level of investment risk for retirement plans Future gazing in the investment market ..read more

In the first episode of The Retirement Gym, Head of MHA Carpenter Box Wealth Management Roy Thompson talks with Senior Financial Planning Manager Gill Lynes about making a budget plan to better prepare you for your spending requirements in retirement ..read more

Often, young people are synonymous with not starting to save early enough for retirement or lacking an understanding in their pension. In this episode Roy is joined by 24 year old Jack Watkinson who has recently graduated from University and is about to embark on his first graduate role. As a young saver, Jack is starting the process of saving into a pension and thinking about retirement. Roy and Jack discuss: The role of schools in pension and money management education The balance between short term priorities and long term retirement plans The benefits of compound returns when saving earl ..read more