Money illuminated

Money illuminated

Welcome to Money illuminated, hosted by Jack Saunders and Elliot West, financial planners at ilumiti, here to help you make confident decisions with your money — one episode at a time. We break down the world of personal finance, shining a light on practical, easy‑to‑understand topics to help you feel more informed and in control. Explore more: 👉 https://bit.ly/4wf5Ikh Got questions or topic ideas? Drop us an email: 📩 moneyilluminated@ilumiti.co.uk

Episodes

  1. 29 May

    What is Inheritance Tax? Episode 10 – Money illuminated

    Join us as we break down how inheritance tax works, who it applies to, and the key thresholds to know, with practical planning considerations along the way. This episode focuses on building a strong understanding of the essentials Please note: this podcast is for general information only and does not constitute financial advice, and was correct at the time of recording. The information is based on our understanding of current legislation, taxation and HMRC practice, all of which may change. Tax treatment depends on individual circumstances and may be subject to change in future. The Financial Conduct Authority does not regulate tax advice, estate planning, or cashflow planning. A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age). The value of investments and pensions can go down as well as up, and you may get back less than you originally invested. This podcast does not constitute personal advice.

    22 min

  2. 30 Mar

    Can I retire with 500k? Episode 9 – Money illuminated

    In this episode we explore whether retiring with £500k is truly achievable. We walk through an example, comparing annuities and drawdown, how state pensions fit into the picture, and the impact of market swings, inflation and spending habits. A clear, practical look at what £500k can really provide in retirement. Please note: The information contained within this article is based on our understanding of legislation, whether proposed or in force, and market practice at the time of writing. Levels, bases and reliefs from taxation may be subject to change. A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age). The value of your investments (and any income from them) can down as well as up which would have an impact on the level of pension benefits available. Your pension income could also be affected by the interest rates at the time you take your benefits.This podcast does not constitute personal advice. The Financial Conduct Authority does not regulate cash flow planning or tax advice.

    24 min

  3. 20 Feb

    Your Pension Options | Episode 8 – Money illuminated

    Start getting to grips with your pension options as we explore defined benefit pensions, workplace schemes, annuities, drawdown and the state pension. A straightforward walkthrough to help you understand the choices that will shape your financial future. Please note: A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age). The value of your investments (and any income from them) can down as well as up which would have an impact on the level of pension benefits available. Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change. You should seek advice to understand your options at retirement. This podcast does not constitute personal advice. The Financial Conduct Authority does not regulate tax planning.

    17 min

  4. 6 Feb

    Are You Retirement Ready? | Episode 7 – Money illuminated

    In this episode, we’re unpacking what it really means to be “retirement ready.” Elliot and Jack chat through the financial foundations you need in place, along with the emotional side of stepping into a new chapter. Tune in as we break down how to prepare for a retirement that feels both secure and meaningful. Please note: A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age). The value of your investments (and any income from them) can down as well as up which would have an impact on the level of pension benefits available. Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change. This podcast does not constitute personal advice. You should seek advice to understand your options at retirement.

    27 min

  5. 15 Jan

    Master Your Budget in 2026 | Episode 6 – Money illuminated

    Start the year strong with Elliot and Jack’s essential tips for budgeting and saving in 2026 — from building an emergency fund to automating savings and finding quick wins. A simple guide to take control of your money this year. Please note: The value of your investments can go down as well as up, so you could get back less than you invested. A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age). The value of your investments (and any income from them) can go down as well as up which would have an impact on the level of pension benefits available. This podcast does not constitute personal advice. The Financial Conduct Authority does not regulate personal budgeting.

    23 min

  6. 02/12/2025

    The Budget Breakdown | Episode 5

    In this special episode, Elliot and Jack unpack everything you need to know from the Chancellor’s Autumn Budget — cutting through the noise to help you understand what’s actually changing, what’s staying the same, and what it all means for your financial future. Please note: The information contained within this podcast is based on our understanding of legislation, whether proposed or in force, and market practice at the time of writing. Levels, bases and reliefs from taxation may be subject to change. This podcast does not constitute personal advice.

    34 min

  7. 02/12/2025

    Our Investment Principles | Episode 4

    Join us as we break down the investment principles we rely on; keeping a plan, understanding market ups and downs, diversifying well, and having a lifeboat fund for the unexpected. We chat through real client examples and how the media can influence your choices, all with a focus on long-term thinking. Please note: The value of an investment and the income from them can go down as well as up. The return at the end of the investment period is not guaranteed and you may get back less than you originally invested. This podcast does not constitute personaladvice. Past performance is not a reliable indicator of future returns.

    31 min

  8. 02/12/2025

    Foundations of Investing | Episode 3

    Today, we’re diving into the foundations of investing; why we invest, what inflation means for your money, and the main types of investments like cash, property, bonds and equities. A simple, friendly intro to help you get started. Please note: This is information only and does not constitute advice. A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age). The value of your investments (and any income from them) can go down as well as up which would have an impact on the level of pension benefits available. The value of your investments can go down as well as up, so you could get back less than you invested. Past performance is not a reliable indicator of future performance. Don’t invest unless you’re prepared to lose all the money you invest. This podcast does not constitute personal advice. This is a high risk investment and you are unlikely to be protected if something goes wrong.

    25 min

  9. 02/12/2025

    What Is Financial Planning? | Episode 2

    In this episode of Money illuminated, we’re busting some myths and breaking down what financial planning really means (and no, it’s not just for people with yachts and tax advisers). Tune in as we chat through the basics, introduce our new game, Fantasy Finance, and bring a bit more clarity to financial planning. Please note: The value of an investment and the income from them can go down as well as up. The return at the end of the investment period is not guaranteed and you may get back less than you originally invested. This podcast does not constitute personal advice. Past performance is not a reliable indicator of future returns.

    27 min

  10. 02/12/2025

    Our Story | Episode 1

    Welcome to the first episode of Money illuminated, helping you make more confident decisions with your money, one episode at a time. Get to know your hosts, Jack and Elliot, as we share our journey into financial planning and what inspired us to start this podcast. Stay tuned for the next episode! Please note: The value of an investment and the income from them can go down as well as up. The return at the end of the investment period is not guaranteed and you may get back less than you originally invested. This podcast does not constitute personal advice.Past performance is not a reliable indicator of future returns.

    15 min
  • 10 Episodes

Ratings & Reviews

5
out of 5
3 Ratings

About

Welcome to Money illuminated, hosted by Jack Saunders and Elliot West, financial planners at ilumiti, here to help you make confident decisions with your money — one episode at a time. We break down the world of personal finance, shining a light on practical, easy‑to‑understand topics to help you feel more informed and in control. Explore more: 👉 https://bit.ly/4wf5Ikh Got questions or topic ideas? Drop us an email: 📩 moneyilluminated@ilumiti.co.uk

Information

  • Creator
    Money illuminated
  • Episodes
    10
  • Rating
    Clean
  • Copyright
    © Money illuminated
  • Show Website
    Money illuminated