26 episodes

Retirement planning from start to finish.
A heads-up from Chartered Financial Planner, Dennis Hall, on why your money needs to work harder, for longer.

The Century Plan Dennis Hall & Sarah Steele

    • Business

Retirement planning from start to finish.
A heads-up from Chartered Financial Planner, Dennis Hall, on why your money needs to work harder, for longer.

    The Century Plan - When Retirement Funds Need To Deliver

    The Century Plan - When Retirement Funds Need To Deliver

    In this episode of The Century Plan, Dennis and Sarah unpick some questions they are frequently asked at Yellowtail Financial Planning around retirement income.
    How do you derive an income from your retirement savings, and is selecting high dividend and income streams optimal over the long term?
    Do you need to change your investment approach when you reach retirement?
    Should you be looking to maximise income at the expense of growth?
    What does evidence based investing say you should do in order to optimise your income in retirement strategy?
     
    Useful information
    Host: Dennis Hall
    Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"
     
    Host: Sarah Steele
    Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.
     
    Contact us: ask@yellowtail.co.uk

    • 29 min
    The Century Plan - How Does The Budget Affect my Pension?

    The Century Plan - How Does The Budget Affect my Pension?

    In this episode of The Century Plan, we discuss the pension changes brought about by the 2023 Spring Budget which are coming in to effect this year.
    It may be a short-shelf-life episode if we see a change in Government following an election.
    Sarah and Dennis discuss how the Budget in 2023 has played out and is affecting pensions.
    We hear how Government decisions and changes in Government can impact financial options.
    We learn how we can prepare for this and how this awareness can help with planning.
     
    Useful information
    Host: Dennis Hall
    Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"
    Host: Sarah Steele
    Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.
    Contact us: sarah@yellowtail.co.uk

    • 21 min
    The Century Plan - With Carl Richards. Human Behaviour & Financial Planning

    The Century Plan - With Carl Richards. Human Behaviour & Financial Planning

    In this episode of The Century Plan Sarah and Dennis are pleased to welcome their guest Carl Richards.
     
    Carl is a US-based certified financial planner, joining the podcast from Park City Utah. Carl is the creator of the Sketch Guy column, which appeared weekly for a decade in the New York times. He's an international author and speaker, and his work has influenced financial planners across the globe.
     
    During this episode, Carl shares his insights, knowledge, and experiences as a financial planner.
     We learn about how Carl became a columnist and author with books including, The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money and The One-Page Financial Plan: A Simple Way To Be Smart About Your Money.
    We learn more about the artwork at Yellowtail which includes favourite pieces from Carl's sketch collection.
     
     
    Useful information
    Guest: Carl Richards
    Website:
    Books: The Behaviour Gap: Simple Ways to Stop Doing Dumb Things with Money
    The One-Page Financial Plan: A Simple Way To Be Smart About Your Money.
     
    Host: Dennis Hall
    Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"
    Host: Sarah Steele
    Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.
     
    Contact us: sarah@yellowtail.co.uk

    • 58 min
    The Century Plan - Financial Planning Fees With Dennis Hall and Sarah Steele

    The Century Plan - Financial Planning Fees With Dennis Hall and Sarah Steele

    In this episode of The Century Plan, Sarah asks Dennis "How Much Does it Cost to Work With a Financial Planner?".
    What is fair? How are different fees structured? What should you expect?
    Dennis has some interesting thoughts on hourly rates and explains how he works at Yellowtail Financial Planning.
    We explore in detail the structure of how fees are charged and why transparency is paramount to a long lasting relationship.
    How do hourly rates work in financial planning? 
    What is a fixed price for financial services?
    Why do some people charge a percentage of assets under management?
    What is a fair ongoing management cost?
     
    Useful information
    Host: Dennis Hall
    Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"
    Host: Sarah Steele
    Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan. Contact us: sarah@yellowtail.co.uk

    • 26 min
    The Century Plan - How Much Do I Need To Retire?

    The Century Plan - How Much Do I Need To Retire?

    In Episode 2 of Season 3 we reach one of the most common questions.... How Much Do I Need To Retire?
    It's not a one-size-fits-all all situation. Sarah and Dennis talk over considerations and formulas that can be used to help gain a figure.
    What kind of retirement are you planning?
    How much does that cost?
    How much do you have in assets?
    Do you know how your workplace pension is invested?
    How and when can you afford to start adding to your pension pot?
    How much is your state pension? Did you register to gain credits while a stay at home parent? 
     
    Useful information
    Host: Dennis Hall
    Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"
    Host: Sarah Steele
    Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.
     
    Contact us: sarah@yellowtail.co.uk

    • 28 min
    The Century Plan - Will You Have Enough Money?

    The Century Plan - Will You Have Enough Money?

    As The Century Plan returns for its third season, Sarah and Dennis revisit its purpose.
    Episode 1 of Season 3 opens with Dennis and Sarah taking a deeper dive into the challenges we all face from longevity risk.
    And they highlight the marked difference between the size of pension pot needed to support you if you live to 80 or if you live past 90 years.
    Can we afford to live to age 100?
    What is longevity risk?
    How much money will we need for a moderate standard of living in retirement?
    What is the difference between a financial planner and a financial adviser?
    When will we need their help?
    As ever, Dennis and Sarah take a conversational and anecdotal approach to the complex business of financial planning.
     
    Useful information
     
    Host: Dennis Hall 
    Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die"
    Host: Sarah Steele
    Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan.
     
    Contact us: sarah@yellowtail.co.uk

    • 21 min

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