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Brave Conversations: Money and Financial Wellbeing Podcast

Finance is a sensitive topic and many of us avoid it because we either don't know enough about money and how to manage it or we are worried about making a mistake. The best place to start is to talk, have some brave conversations with someone in the know. On this finance podcast you'll get an insight in to how you can manage your money successfully. Listen and learn as Cynthia Wihardja interviews Unividual's Greg Harris and Cherie-Anne Baxter, who share all their insight and stories from running a successful financial planning firm.

Creating Good Financial Habits For Children

Episode 1, May 2021

Do your younger family members have good financial habits? According to Beth Kobliner, money expert and author of ‘Make Your Kid a Money Genius’, children as young as 3 can grasp basic concepts like saving and spending. We have an opportunity with the young people in our lives, whether that be children, siblings or nieces/nephews, to reframe their view of money. We look at how the impacts of our own money habits effect our children, how you can teach your children good money habits and the psychology behind how we manage our personal finances infront of our children.

Protecting your personal net worth when in a relationship

Episode 2, June 2021

During Pride month we discussed relationships and how people can protect their Personal Net Worth.  Sometimes we count on our spouse or civil partner for support, and hopefully that relationship lasts forever. But sadly, some don’t and ex-partners find themselves not getting their fair share. By the time that happens, it’s too late to set up a strong personal portfolio. Here we discuss our top tips on protecting your personal net worth, financial independence and literacy and how to ensure your finances work together to achieve your equal goals.

Business Exit Planning Podcast

Episode 3, August 2021

A finance podcast for all those business owners out there who might one day want to retire, yet face one of the biggest challenges: relying on a business sale to fund retirement. The psychology behind retirement is changing thought, not everyone wants to “stop working”. Understand the restrictions and opportunities a business sale poses, how to get capital out of a business tax efficiently, strategies for family run businesses, how to successfully plan an exit and the importance of continuity planning.

If you want to find out more about how to make business exit planning a success you can also read Unividual’s Ultimate Guide to Business Exit Planning.

Psychology of money and financial planning

Episode 4 September 2021

As humans our brains are faced with natural cognitive biases that affect the financial decisions we make. It is important to be aware of them because they impact on how we spend and save money. In this finance podcast we identify interesting biases that you might not even know about that surround you every day and impact on the decisions you make. Listen to some actionable tips about how you can improve the management of your money which reduces stress and anxiety and improves your overall wellbeing.

How to look after your loved ones, financially, after death

Episode 5, October 2021

Chartered Financial Planner, Greg Harris, talks us through how to ensure your loved ones are taken care of after your death. We look at why we don’t like talking about death, how wills and inheritance work, the ways wealth and assets are distributed after a death and how families can work together to plan inheritance in a stress free way.

Planning for retirement: what are you retiring to?

Episode 6, November 2021

One of the main reasons for putting off retirement is because we don’t know where to start with it all? You might not realise this but you could have saved enough money to fund the retirement you want and need. Until you find out you won’t know.  Worse still you could be spending more than you should be if your pension fund isn’t enough to for your planned retirement lifestyle. Cynthia from Radio Bath interviews Bath based financial adviser Greg Harris and Bristol based financial adviser Simon Jones on Brave Business Conversations to find out what questions we should be asking ourselves when planning for your retirement. Get some takeaway expert tips both for spenders and savers on how to create a comfortable lifestyle in the next chapter of your life.

Post-retirement - plan for abundance

Episode 7, December 2021

If you think your state pension pot should be enough for retirement, think again! What and how much  is ENOUGH for retirement? Really we should be looking for achieving ABUNDANCE when it comes to retirement planning.  Chartered Financial Planner Simon Jones and Unividual’s Development Director Greg Harris discuss the common mistakes people make when planning for retirement and solutions you might need to prepare for a high quality of life in your retirement age.

Keeping New Year's Resolutions all year round

Episode 8, January 2022

No matter what time of year it is we all struggle to stick to good habits. What is it about the New Year that makes us want to set more objectives. Most people have broken their New Year’s Resolutions by the 18th of January. Unividual’s Chartered Financial Planner, Simon Jones, and Director Cherie-Anne Baxter share tips about how to keep resolutions and how to build good habits, not just with your finances, but also in other areas of your life too.

How women achieve financial independence

Episode 10, March 2022

Gender imbalance is systemic in financial services, from banking through to insurance and retirement planning, for decades women have never been at the centre of their own finances. Whilst small pockets of businesses are trying to change this, and the numbers of women working in a position of power in financial services is growing, decades of neglect are creating a finance epidemic of its own. Find out how women and young women can achieve bespoke financial planning and build more financial independence.

Planning for tax year end and tax mitigation

Episode 11, April 2022

What is the difference between tax mitigation and tax evasion? How do we prepare for tax year end and how do we make the most of new tax year allowances. Chartered Financial Planners Greg Harris and Simon Jones answer all our questions on Tax and how this fits in with holistic financial planning. For additional tax year resources head to Unividual’s Tax Hub.

Wellbeing at work and in financial services

Episode 12, May 2022

In celebration of Mental Health Awareness Week, Radio Bath’s Cynthia interviews Chartered Financial Planner Matt Finch and Development Director Greg Harris on building resilience and wellbeing in the world of business and financial services. They discuss how Unividual has created a plan to build psychological safety and deliver targeted support to employees to improve their physical, mental and social wellbeing.

Business Year End Planning for Directors

Episode 13, August 2022

A Company Director or business owner’s financial well-being is intrinsically linked to their business. With the October and December company year-end fast approaching there are a lot of challenges to consider from profitability, cashflow, and ensuring that your remuneration is making the most of tax allowances and thresholds. Advanced planning reduces stress around company year end. Business Consultant and Radio Bath DJ Cynthia interviews two business owners, Strategy & Marketing Director Cherie-Anne Baxter and Learning & Development Director Greg Harris. They cover how to successfully review and plan your personal and business finances around company year end.

How to stick to the financial plan in turbulent times

Episode 14, October 2022

When we are living in something like a cost of living crisis we are all surrounded by negativity and a short-term focus on our finances. This instils fear and negativity in to society and can lead to people worrying about whether they can afford to continue with their savings plans or the insurance products that protect their wealth. In our most recent episode of Brave Finance Conversations we answer difficult questions like is now a good time to invest? We discover the psychology behind managing your money in turbulent times and talk about why you might be feeling in survival mode right now. On top of that you will get a load of tips on reducing lifestyle costs so that you can still afford to stay on track with your long-term financial plan.

Free Financial Planning Guides

A lot of people don’t realise that they are not alone in the fears about seeking financial advice. In 2019 only 8% of the UK received financial advice (Financial Conduct Authority). We know our industry can do more to improve the accessibility to financial advice so people truly understand how to manage their money. You could take a look at our free financial planning guides as these will give you a more in-depth look into some key topics. Or read some recent financial planning case studies to understand what our clients think the benefits of financial advice are.

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