The Finance Geeks Podcast

Episode 12: End of Tax Year Planning - The Great Tax Detective’s Playbook

Warren Shute and Paul Cleworth scrutinise every clue in this timely investigation of year-end tax planning. Like master sleuths hot on the scent, they bring to light strategies ranging from maximising ISA contributions and refining pension allocations to making the most of charitable donations. Each insight presented as a vital piece of evidence that can protect your financial well-being before the 5th of April tax deadline.
The game is truly afoot: by the final deduction, this engaging discussion equips you with the know-how to ensure your year-end tax approach stands on solid ground, proving that cracking the case of year-end taxes need not be left to chance.
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Chapters: 0:00 - Intro
6:22 - Tax Year End Planning
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Show Notes:
HMRC Tax Revenue Breakdown (2023-24)
https://assets.publishing.service.gov.uk/media/66a8ebc349b9c0597fdb0784/HMRC_annual_report_and_accounts_2023_to_2024.pdf
Projected Government Spending for 2024-25 (OBR Report)
https://obr.uk/forecasts-in-depth/brief-guides-and-explainers/public-finances/
Budget Deficit (2024-25) Forecast (OBR)
https://obr.uk/forecasts-in-depth/brief-guides-and-explainers/public-finances/
National Debt Figures (ONS Report, December 2024)
https://www.ons.gov.uk/economy/governmentpublicsectorandtaxes/publicsectorfinance/bulletins/publicsectorfinances/december2024
The Calculator Site - £500pm for 20 years at 6%:
https://www.thecalculatorsite.com/compound?a=0&p=6&pp=yearly&y=20&m=0&rd=500&rp=monthly&rt=deposit&rw=0&rwp=1m&rm=end&ci=monthly&cc=1&c=3&di=&wi=
Tin Cup (great golf film!)
https://www.imdb.com/title/tt0117918/
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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.
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#taxplanning #endofyearplanning #taxstrategy #financialplanning #pensionplanning #taxrelief #allowances #capitalgains #taxefficiency #retirementplanning #dividends #incometax #businessplanning #salarysacrifice #yearendtax #taxadvisor #wealthplanning #taxsavings #investmentplanning #financialwellness #taxdeductions #isaplanning #proactiveplanning #capitalallowances #taxcompliance #personalfinance #profitextraction #taxmanagement #cashflowplanning #taxdeadlines #financialfreedom

Episode 11: Mission: Secure Retirement – Strategies and Insights in Securing Retirement Income

In this episode of The Finance Geeks, Paul Cleworth and Warren Shute set forth on a mission to unravel the art of securing retirement income. With a clear and methodical approach, they explore the fundamentals of retirement planning—delving into cash flow management, optimal withdrawal techniques, and tailored investment strategies that resonate with both financial planners and individuals alike.
The discussion covers essential elements of pension strategy, from understanding tax advantages and contribution limits to mastering carry-forward calculations and the benefits of salary sacrifice. Paul and Warren break down these complex topics into practical insights, ensuring that every aspect of your retirement plan is both robust and adaptable to changing needs.
Join this journey as they share actionable strategies and innovative approaches to build a resilient retirement income plan. Whether you're advising clients or planning your own future, this episode equips you with the knowledge and tools necessary to secure a confident financial outlook for your retirement.
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Chapters:
0:00 - Intro
6:30 - The Focal Point: Strategies and Insights in Securing Retirement Income
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Instagram:
https://www.instagram.com/thefinancegeekspodcast/
X: https://twitter.com/TheFinanceGeeks
YouTube: https://www.youtube.com/@thefinancegeeks
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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.
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#retirementplanning #incomesecurity #financialadvice #cashflow #investmentstrategies #clientmanagement #withdrawalstrategies #financialindependence #retirementincome #personalfinance #withdrawalstrategies #retirementincome #cashflow #financialplanning #sequenceofreturnsrisk #pensionchanges #taximplications #clientcommunication #investmentstrategies #retirementplanning

Episode 10: The Golden Quest - Understanding Retirement and the Secrets to Financial Freedom

Embark on a legendary journey into the realm of retirement planning with Warren and Paul in this epic episode of The Finance Geeks. In "The Golden Quest," our hosts reveal the ancient secrets behind building a secure and prosperous future.
Discover how every element of your pension plan can be transformed into a treasure trove of financial freedom. With insights drawn from both time-honoured wisdom and modern strategy, Warren and Paul share the pros, cons, and challenges of various approaches, turning complex concepts into an engaging saga of preparation and possibility.
Join this quest for golden years and unlock the secrets to a retirement that offers not only security but also the promise of a fulfilling, purpose-driven future.
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Chapters:
0:00 - Intro
5:26 - The Focal Point: Understanding retirement and the strategies we use to achieve financial freedom
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Instagram: https://www.instagram.com/thefinancegeekspodcast/
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Episode 9: Investing Uncovered – Behind the Scenes of Portfolio Management

In this revealing episode of The Finance Geeks, the curtain is pulled back on the portfolio management control room. Warren and Paul kick off by exploring the meaning of portfolio management and why transparency is key in the world of investing. Each introduces his core investment philosophy—grounded in evidence-based decision-making and a focus on controlling costs, asset allocation, and risk.
Next, the discussion dives into the nuts and bolts of the investment process and details each approach to portfolio construction. Warren and Paul break down how they balance equity, bonds, property, and commodities while incorporating factor investing to capture market premiums.
Finally, the backbone of their strategies is revealed—the Investment Policy Statement (IPS). Learn how rigorous research and detailed documentation ensure a consistent, structured approach to managing portfolios. Tune in for an insider’s look at how these financial planners invest, and see exactly what goes on behind the scenes to keep their strategies sharp and their performance on track.
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Chapters: 0:00 - Intro
8:46 - The Focal Point: How We Invest - Behind the Scenes of Portfolio Management
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Podcast Reference Links:
PC Gym Workout – Shoulders and Chesthttps://tandemfp.sharepoint.com/:b:/s/Tandem/Ee2-UAPYofVAtSsxfYwj-oMBaQyRYSH7kSOCTlQMFvFOzw?e=yrLebq
Charlie Hodgsonhttps://en.wikipedia.org/wiki/Charlie_Hodgson
Airplane II: The Sequelhttps://www.imdb.com/title/tt0083530/
Airplane II: The Sequel Quoteshttps://www.imdb.com/title/tt0083530/quotes/
The Fat Duck Restauranthttps://thefatduck.co.uk/
Tandem’s Core Investment Philosophyhttps://tandemfinancial.co.uk/wp-content/uploads/2024/01/Tandem-Core-Investment-Philosophy-Jan-2024.pdf
Dimensional Fund Advisorshttps://www.dimensional.com/
Vanguardhttps://www.vanguardinvestor.co.uk/
This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

Episode 8: Turbocharge Your Efficiency - Accelerating Your Business Performance

In this high-speed episode of The Finance Geeks, Warren and Paul rev up your business efficiencies. Just like fine-tuning a race car for peak performance, they delve into essential methods to streamline your operations and eliminate inefficiencies. From streamlining processes and reducing task duplication to automating repetitive activities, discover how to optimize every aspect of your business engine for maximum productivity and speed.
Join Warren and Paul as they provide actionable insights and strategic adjustments to keep your business running like a well-oiled machine. Whether you're looking to boost productivity, enhance team collaboration, or implement cutting-edge automation, this episode is your pit stop for achieving unparalleled business efficiency. Get ready to hit the gas and drive your business to new heights of success!
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Chapters: 0:00 - Intro
4:17 - How to run a super-efficient business
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Instagram: https://www.instagram.com/thefinancegeekspodcast/
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Reference Links:
18 Ways to be super efficient
https://tandemfp.sharepoint.com/:b:/s/Tandem/ES-mGxJ8HWpLjEeV5p5u1doB46pxl4u4qyshvFVLPSM2-Q?e=fr0AhL
 

Episode 7: Charting Your Business Plan - Setting Sail for Success in 2025

In this episode, Warren and Paul draw on client insights to show that robust financial and business planning is like the detailed charting of a sea voyage. Just as a seasoned captain plots a route with waypoints and contingency plans, you need to plot your business and financial objectives to steer clear of unwanted currents and navigate towards long-term success.
Imagine your Management Information reviews, process audits, and updated documentation as your ship’s rigging and instruments - each element finely tuned to keep your vessel steady. By regularly scheduling compliance checks and planning for team coverage (much like rotating your crew on watch duty during stormy weather), you're ensuring that your financial strategies and business operations are shipshape.
Join The Finance Geeks as they hoist the sails, trim the rigging, and embark on a prosperous journey into the new year.
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Chapters: 0:00 - Intro
8:55 - The Focal Point: Business Planning - How to make 2025 a great year!
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Instagram: https://www.instagram.com/thefinancegeekspodcast/
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Podcast Reference Links:
Creatine and Whey Protein: Should You Take Both?
https://www.healthline.com/nutrition/creatine-vs-whey#muscle-gain
Creatine vs. protein: Which is better, post-workout, and more
https://www.medicalnewstoday.com/articles/creatine-vs-protein#benefits
The 20 Ultimate Tips for How to Sleep Better | Sleep Foundation
https://www.sleepfoundation.org/sleep-hygiene/healthy-sleep-tips
Tim Berry (entrepreneur) - Wikipedia
https://en.wikipedia.org/wiki/Tim_Berry_(entrepreneur)
 
This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.
#BusinessPlanning #PlanForSuccess #StrategicPlanning #BizPlan2025 #ChartYourCourse #NauticalStrategy #SetSailForSuccess #BusinessBlueprint #PlanYourJourney #ChartingSuccess #AnchoredInPlanning #SteerYourBiz #SailingToSuccess #BusinessCompass #Navigating2025 #BusinessStrategy #VisionAndPlan #BizStrategy #MappingSuccess #CourseToSuccess #BusinessGoals #PlanYourFuture

Episode 6: Blueprint for 2025 - Planning Your Best Year Yet!

This episode delves into the meticulous process of designing your personal and professional goals for the upcoming year. Discover how to draft a comprehensive blueprint that outlines your aspirations, sets actionable milestones, and builds a solid foundation for success.
Whether you're aiming to advance your career, enhance your well-being, or embark on new personal endeavours, Warren and Paul provide the strategic insights and practical tools you need to construct a fulfilling and prosperous 2025. Start laying the groundwork for your best year yet with expert guidance from The Finance Geeks!
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Chapters:
0:00 - Intro
8:47 - The Focal Point: Planning 2025 - Making it your best year yet!
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Follow us our our social media channels:
Instagram: https://www.instagram.com/thefinancegeekspodcast/
X: https://twitter.com/TheFinanceGeeks
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Podcast Reference Links:
ibai.london - Restaurant
https://ibai.london/
https://www.instagram.com/ibai_london/
Planning Your Adventure – Living Life To The Full
https://planningyouradventure.co.uk/
Discovery Questions.pdf – Tandem’s Discovery Questions.
https://tandemfp.sharepoint.com/:b:/s/Tandem/EU6FbHihENFEpxTHDwY0K0cBdgVuJ6iU-62aTBWHuUcAeg?e=LzK7kS
What Are Your Values? - Deciding What's Important in Life – What are values?
https://www.mindtools.com/a5eygum/what-are-your-values
What are Values? - Ethics Sage
https://www.ethicssage.com/2018/08/what-are-values.html
Virtue - Wikipedia
https://en.wikipedia.org/wiki/Virtue
 
This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.
#GoalSetting #AchieveYourGoals #SuccessPlanning #2025Goals #YearAhead #PersonalDevelopment #ProfessionalGrowth #CareerGoals #LifeGoals #FinanceGeeks #UKFinance #FinancialPlanning #Prosperous2025 #WealthBuilding #SelfImprovement #KnowYourOutcome #BlueprintForSuccess #MapYourGoals #StrategicPlanning #GoalBlueprint #PlanForSuccess

Episode 5: Real Life Financial Success Stories

Warren Shute & Paul Cleworth highlight inspiring financial success stories from their clients. From conquering complex tax problems to building a secure retirement plan, they break down the strategies that helped turn financial chaos into clear, achievable wins.
These stories aren’t just numbers on a spreadsheet—they’re real people hitting their goals, proving that with the right advice and a little geeky know-how, financial success is within reach. If you’ve ever wondered how good planning can transform lives, this episode has the answers.
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Chapters:
0:00 - Intro
12:12 - Real Life Financial Success Stories
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Follow us our our social media channels:
Instagram: https://www.instagram.com/thefinancegeekspodcast/
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YouTube: https://www.youtube.com/@thefinancegeeks
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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.

Episode 4: Wrestling Retirement Planning - Smackdown Strategies for a Winning Future

Step into the ring with Paul and Warren as they grapple with the heavyweight challenge of retirement planning. In this episode, our financial tag team breaks down the moves you need to pin down your retirement strategy.
From the early-game tactics of auto-enrolment and salary exchange to the high-flying maneuvers of carry forward contributions, they’ll show you how to stay on the offense and avoid being counted out by tax inefficiencies.
The Geeks put retirement income goals into a sleeper hold, asking the big question: “How much is enough?”. They also emphasize the importance of tag-teaming with your spouse to maximize retirement savings.
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Chapters: 0:00 - Intro
9:14 - Wresting Retirement Planning
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Instagram: https://www.instagram.com/thefinancegeekspodcast/
X: https://twitter.com/TheFinanceGeeks
YouTube: https://www.youtube.com/@thefinancegeeks
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Podcast References:
Odyssey St Albans
https://odysseypictures.co.uk/OdysseyPictures.dll/Home
Standards of living stats
https://www.retirementlivingstandards.org.uk/
Folio Society - Beautifully Illustrated Hardcover Books
https://www.foliosociety.com/uk
Ideal financial set up link
https://tandemfp.sharepoint.com/:b:/s/Tandem/EbLD21U3O3xEljQoSxXzdqEBsA2kk1QQJ4BwTybwulXppQ?e=SWpvqq
How much will you need in retirement
https://www.moneyhelper.org.uk/content/dam/maps/en/pensions/moneyhelper-retirement-budgeting-leaflet.pdf
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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.
#FinancialRumble #RetirementSmackdown #RetirementPlanning #FinancialAdvisors #PensionStrategy #TaxEfficiency #WrestlingWithRetirement #FinancialPlanners #WealthManagement #ClientSuccess #FinancialFreedom #SmartInvesting #TaxStrategies #FinanceForAdvisors #TagTeamFinance #PlanForRetirement #AdvisorInsights #ProfessionalFinance #RetirementGoals #MoneyManagement #FinancialGeekery #thefinancegeeks

Episode 3: Budget Fallout - Weighing the Aftermath

In this episode of The Finance Geeks, Paul Cleworth and Warren Shute dig into the aftermath of the UK’s Autumn Budget, one of the biggest tax-raising budgets since 1993. With the government targeting £40 billion in taxes, they break down the key changes, including rises in employer National Insurance, adjustments to Capital Gains Tax, and a boost in the minimum wage.
They highlight the government’s 180-degree shift on tax policy, increasing taxes despite prior promises, and share insights on how these adjustments will impact businesses, investors, and homeowners alike.
Paul and Warren share advice for proactive planning in response to these changes, guiding listeners on how to stay ahead in this evolving financial landscape and keep the financial scales tipped in their favour.
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Chapters: 0:00 - Intro
4:59 - The Budget Fallout
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Instagram: https://www.instagram.com/thefinancegeekspodcast/
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Podcast References:
The Budget - Autumn Budget 2024 – HC 295
https://assets.publishing.service.gov.uk/media/672232d010b0d582ee8c4905/Autumn_Budget_2024__web_accessible_.pdf
AUTUMN-STATEMENT – Tandem Budget Guide
https://tandemfinancial.co.uk/wp-content/uploads/2024/10/AUTUMN-STATEMENT-24_spreads.pdf
Chancellor Rachel Reeves admits she was 'wrong' to say higher taxes not needed during election | Sky News
https://news.sky.com/story/chancellor-rachel-reeves-admits-she-was-wrong-to-say-higher-taxes-not-needed-during-election-13247364
Republicans win Senate majority | AP News
https://apnews.com/live/senate-house-election-updates-11-5-2024
Autumn Budget 2024: Pensions to be subject to inheritance tax
https://www.moneysavingexpert.com/news/2024/10/pensions-liable-inheritance-tax-2027/
Pensions face “double tax” due to inheritance tax change - what are your options? | MoneyWeek
https://moneyweek.com/personal-finance/pensions/pensions-face-double-tax-due-to-inheritance-tax-change-options
Laffer curve - Wikipedia
https://en.wikipedia.org/wiki/Laffer_curve
Autumn Budget 2024: what do the experts say about the major changes? | Unbiased
https://www.unbiased.co.uk/news/personal-finance/autumn-budget-2024-what-do-the-experts-say-about-the-major-changes
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This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action.