Financial Illumination https://luminwealth.podbean.com en Copyright 2023 All rights reserved. Lumin provides personable financial advice and investment management services. With a fully dedicated team of Financial Consultants and Paraplanners, over 4,000+ families trust us with their wealth management needs and we currently manage £1.6billion+ in client assets. Through 1:1 consultations, Lumin’s financial plans are geared toward growing and protecting wealth by optimising our clients’ income, assets, tax burden and financial security. We are a Chartered firm and have been consistently ranked among the top advisers in the UK according to the FT Adviser’s and Citywire's New Model Adviser’s top 100 financial advice firm rankings. We are part of VZ Group, the leading independent financial services provider in Switzerland which employs around 1,700 people. The collaboration has cemented our core values of providing transparent, straightforward advice delivered by highly qualified professionals. https://megaphone.imgix.net/podcasts/1b002e86-ab7d-11f1-a9b6-d783cde22a6e/image/eddacde72485a5dd5545fbe81df8ce6a.png?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress Financial Illumination https://luminwealth.podbean.com no episodic luminwealth Lumin provides personable financial advice and investment management services. With a fully dedicated team of Financial Consultants and Paraplanners, over 4,000+ families trust us with their wealth management needs and we currently manage £1.6billion+ in client assets. Through 1:1 consultations, Lumin’s financial plans are geared toward growing and protecting wealth by optimising our clients’ income, assets, tax burden and financial security. We are a Chartered firm and have been consistently ranked among the top advisers in the UK according to the FT Adviser’s and Citywire's New Model Adviser’s top 100 financial advice firm rankings. We are part of VZ Group, the leading independent financial services provider in Switzerland which employs around 1,700 people. The collaboration has cemented our core values of providing transparent, straightforward advice delivered by highly qualified professionals. Lumin provides personable financial advice and investment management services. With a fully dedicated team of Financial Consultants and Paraplanners, over 4,000+ families trust us with their wealth management needs and we currently manage £1.6billion+ in client assets. Through 1:1 consultations, Lumin’s financial plans are geared toward growing and protecting wealth by optimising our clients’ income, assets, tax burden and financial security. We are a Chartered firm and have been consistently ranked among the top advisers in the UK according to the FT Adviser’s and Citywire's New Model Adviser’s top 100 financial advice firm rankings. We are part of VZ Group, the leading independent financial services provider in Switzerland which employs around 1,700 people. The collaboration has cemented our core values of providing transparent, straightforward advice delivered by highly qualified professionals.

]]> luminwealth maria.collinge@luminwealth.co.uk How Much Money Do I Need to Retire? Retirement Planning & Pensions | Lumin Wealth https://luminwealth.podbean.com/e/how-much-money-do-i-need-to-retire-retirement-planning-pensions-lumin-wealth/ How much money do you really need to retire? Is there a magic retirement number, or does it depend on your lifestyle, spending and financial circumstances?   In this episode of the Financial Illumination podcast, brought to you by Lumin Wealth, Harvey Armstrong and Alan Pereira explore how to work out how much you need for retirement and how to build a sustainable retirement plan.   They discuss retirement planning, pension savings, the State Pension, inflation, budgeting, Defined Benefit pensions, ISAs, cash savings and investment income, as well as how to plan for the years between retiring and receiving the State Pension.   The conversation covers how to:   - Work out your expected spending in retirement - Separate essential, discretionary and one-off expenses - Understand how inflation could affect your retirement income - Combine pensions and other assets to fund your lifestyle - Plan for early or partial retirement - Use cash flow forecasting to visualise your long-term financial plan - Consider downsizing and future property equity - Make the most of different income sources and tax allowances   The key message? Retirement isn't a magic number or a specific age. It's about having enough assets and income to support the lifestyle you want for the rest of your life.   Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.   Lumin is authorised and regulated by the Financial Conduct Authority.   Like and subscribe to the channel so you don’t miss any future episodes!   Powered by Lumin Wealth: https://luminwealth.co.uk/   #ISA #CashISA #Investing #FinancialPlanning #CapitalGainsTax #StocksAndSharesISA #RetirementPlanning #LuminWealth #FinancialIllumination Tue, 08 Sep 2026 05:00:00 -0000 How Much Money Do I Need to Retire? Retirement Planning & Pensions | Lumin Wealth full 30 luminwealth How much money do you really need to retire? Is there a magic retirement number, or does it depend on your lifestyle, spending and financial circumstances?   In this episode of the Financial Illumination podcast, brought to you by Lumin Wealth, Harvey Armstrong and Alan Pereira explore how to work out how much you need for retirement and how to build a sustainable retirement plan.   They discuss retirement planning, pension savings, the State Pension, inflation, budgeting, Defined Benefit pensions, ISAs, cash savings and investment income, as well as how to plan for the years between retiring and receiving the State Pension.   The conversation covers how to:   - Work out your expected spending in retirement - Separate essential, discretionary and one-off expenses - Understand how inflation could affect your retirement income - Combine pensions and other assets to fund your lifestyle - Plan for early or partial retirement - Use cash flow forecasting to visualise your long-term financial plan - Consider downsizing and future property equity - Make the most of different income sources and tax allowances   The key message? Retirement isn't a magic number or a specific age. It's about having enough assets and income to support the lifestyle you want for the rest of your life.   Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.   Lumin is authorised and regulated by the Financial Conduct Authority.   Like and subscribe to the channel so you don’t miss any future episodes!   Powered by Lumin Wealth: https://luminwealth.co.uk/   #ISA #CashISA #Investing #FinancialPlanning #CapitalGainsTax #StocksAndSharesISA #RetirementPlanning #LuminWealth #FinancialIllumination How much money do you really need to retire? Is there a magic retirement number, or does it depend on your lifestyle, spending and financial circumstances?   In this episode of the Financial Illumination podcast, brought to you by Lumin Wealth, Harvey Armstrong and Alan Pereira explore how to work out how much you need for retirement and how to build a sustainable retirement plan.   They discuss retirement planning, pension savings, the State Pension, inflation, budgeting, Defined Benefit pensions, ISAs, cash savings and investment income, as well as how to plan for the years between retiring and receiving the State Pension.   The conversation covers how to:   - Work out your expected spending in retirement - Separate essential, discretionary and one-off expenses - Understand how inflation could affect your retirement income - Combine pensions and other assets to fund your lifestyle - Plan for early or partial retirement - Use cash flow forecasting to visualise your long-term financial plan - Consider downsizing and future property equity - Make the most of different income sources and tax allowances   The key message? Retirement isn't a magic number or a specific age. It's about having enough assets and income to support the lifestyle you want for the rest of your life.   Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.   Lumin is authorised and regulated by the Financial Conduct Authority.   Like and subscribe to the channel so you don’t miss any future episodes!   Powered by Lumin Wealth: https://luminwealth.co.uk/   #ISA #CashISA #Investing #FinancialPlanning #CapitalGainsTax #StocksAndSharesISA #RetirementPlanning #LuminWealth #FinancialIllumination How much money do you really need to retire? Is there a magic retirement number, or does it depend on your lifestyle, spending and financial circumstances?

 

In this episode of the Financial Illumination podcast, brought to you by Lumin Wealth, Harvey Armstrong and Alan Pereira explore how to work out how much you need for retirement and how to build a sustainable retirement plan.

 

They discuss retirement planning, pension savings, the State Pension, inflation, budgeting, Defined Benefit pensions, ISAs, cash savings and investment income, as well as how to plan for the years between retiring and receiving the State Pension.

 

The conversation covers how to:

 

- Work out your expected spending in retirement

- Separate essential, discretionary and one-off expenses

- Understand how inflation could affect your retirement income

- Combine pensions and other assets to fund your lifestyle

- Plan for early or partial retirement

- Use cash flow forecasting to visualise your long-term financial plan

- Consider downsizing and future property equity

- Make the most of different income sources and tax allowances

 

The key message? Retirement isn't a magic number or a specific age. It's about having enough assets and income to support the lifestyle you want for the rest of your life.

 

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.

 

Lumin is authorised and regulated by the Financial Conduct Authority.

 

Like and subscribe to the channel so you don’t miss any future episodes!

 

Powered by Lumin Wealth:

https://luminwealth.co.uk/

 

#ISA #CashISA #Investing #FinancialPlanning #CapitalGainsTax #StocksAndSharesISA #RetirementPlanning #LuminWealth #FinancialIllumination

]]> 980 no ISA Changes 2027 Explained: Cash ISAs, Investments & Capital Gains Tax | Lumin Wealth https://luminwealth.podbean.com/e/isaep/ What do the upcoming ISA changes mean for your savings and investments? And what should you be thinking about before April 2027?   In this episode of Financial Illumination, James Corcoran is joined by Jack Dudley from Lumin Wealth to break down the latest changes affecting Cash ISAs, Stocks & Shares ISAs and General Investment Accounts, and what they could mean for your long-term financial planning.   The conversation explores the proposed reduction in the Cash ISA allowance from £20,000 to £12,000 for under-65s from April 2027, the taxation of interest earned on cash funds held within investment ISAs, and why more people may need to think carefully about how they structure their savings and investments.   James and Jack also discuss: • Cash ISAs vs Stocks & Shares ISAs • How to make the most of your ISA allowance • What happens when you have used your ISA and pension allowances • How General Investment Accounts (GIAs) work • Capital gains tax and the £3,000 annual allowance • Using allowances between spouses and civil partners • Tax-efficient investment strategies • Why you shouldn't let tax considerations dictate your entire investment strategy • The importance of matching your investments to your financial goals and timeframe • Why having a clear financial plan matters when legislation keeps changing   Whether you're approaching retirement, building your long-term investments, or simply trying to understand how the latest UK ISA and tax changes could affect you, this episode offers an accessible overview of the key issues to consider.   Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.   Lumin is authorised and regulated by the Financial Conduct Authority.   Like and subscribe to the channel so you don’t miss any future episodes!    Powered by Lumin Wealth https://luminwealth.co.uk/   #ISA #CashISA #Investing #FinancialPlanning #CapitalGainsTax #StocksAndSharesISA #RetirementPlanning #LuminWealth #FinancialIllumination Tue, 25 Aug 2026 17:00:00 -0000 ISA Changes 2027 Explained: Cash ISAs, Investments & Capital Gains Tax | Lumin Wealth full 29 luminwealth What do the upcoming ISA changes mean for your savings and investments? And what should you be thinking about before April 2027?   In this episode of Financial Illumination, James Corcoran is joined by Jack Dudley from Lumin Wealth to break down the latest changes affecting Cash ISAs, Stocks & Shares ISAs and General Investment Accounts, and what they could mean for your long-term financial planning.   The conversation explores the proposed reduction in the Cash ISA allowance from £20,000 to £12,000 for under-65s from April 2027, the taxation of interest earned on cash funds held within investment ISAs, and why more people may need to think carefully about how they structure their savings and investments.   James and Jack also discuss: • Cash ISAs vs Stocks & Shares ISAs• How to make the most of your ISA allowance• What happens when you have used your ISA and pension allowances• How General Investment Accounts (GIAs) work• Capital gains tax and the £3,000 annual allowance• Using allowances between spouses and civil partners• Tax-efficient investment strategies• Why you shouldn't let tax considerations dictate your entire investment strategy• The importance of matching your investments to your financial goals and timeframe• Why having a clear financial plan matters when legislation keeps changing   Whether you're approaching retirement, building your long-term investments, or simply trying to understand how the latest UK ISA and tax changes could affect you, this episode offers an accessible overview of the key issues to consider.   Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.   Lumin is authorised and regulated by the Financial Conduct Authority.   Like and subscribe to the channel so you don’t miss any future episodes!    Powered by Lumin Wealth https://luminwealth.co.uk/   #ISA #CashISA #Investing #FinancialPlanning #CapitalGainsTax #StocksAndSharesISA #RetirementPlanning #LuminWealth #FinancialIllumination What do the upcoming ISA changes mean for your savings and investments? And what should you be thinking about before April 2027?   In this episode of Financial Illumination, James Corcoran is joined by Jack Dudley from Lumin Wealth to break down the latest changes affecting Cash ISAs, Stocks & Shares ISAs and General Investment Accounts, and what they could mean for your long-term financial planning.   The conversation explores the proposed reduction in the Cash ISA allowance from £20,000 to £12,000 for under-65s from April 2027, the taxation of interest earned on cash funds held within investment ISAs, and why more people may need to think carefully about how they structure their savings and investments.   James and Jack also discuss: • Cash ISAs vs Stocks & Shares ISAs • How to make the most of your ISA allowance • What happens when you have used your ISA and pension allowances • How General Investment Accounts (GIAs) work • Capital gains tax and the £3,000 annual allowance • Using allowances between spouses and civil partners • Tax-efficient investment strategies • Why you shouldn't let tax considerations dictate your entire investment strategy • The importance of matching your investments to your financial goals and timeframe • Why having a clear financial plan matters when legislation keeps changing   Whether you're approaching retirement, building your long-term investments, or simply trying to understand how the latest UK ISA and tax changes could affect you, this episode offers an accessible overview of the key issues to consider.   Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.   Lumin is authorised and regulated by the Financial Conduct Authority.   Like and subscribe to the channel so you don’t miss any future episodes!    Powered by Lumin Wealth https://luminwealth.co.uk/   #ISA #CashISA #Investing #FinancialPlanning #CapitalGainsTax #StocksAndSharesISA #RetirementPlanning #LuminWealth #FinancialIllumination What do the upcoming ISA changes mean for your savings and investments? And what should you be thinking about before April 2027?

 

In this episode of Financial Illumination, James Corcoran is joined by Jack Dudley from Lumin Wealth to break down the latest changes affecting Cash ISAs, Stocks & Shares ISAs and General Investment Accounts, and what they could mean for your long-term financial planning.

 

The conversation explores the proposed reduction in the Cash ISA allowance from £20,000 to £12,000 for under-65s from April 2027, the taxation of interest earned on cash funds held within investment ISAs, and why more people may need to think carefully about how they structure their savings and investments.

 

James and Jack also discuss:

• Cash ISAs vs Stocks & Shares ISAs
• How to make the most of your ISA allowance
• What happens when you have used your ISA and pension allowances
• How General Investment Accounts (GIAs) work
• Capital gains tax and the £3,000 annual allowance
• Using allowances between spouses and civil partners
• Tax-efficient investment strategies
• Why you shouldn't let tax considerations dictate your entire investment strategy
• The importance of matching your investments to your financial goals and timeframe
• Why having a clear financial plan matters when legislation keeps changing

 

Whether you're approaching retirement, building your long-term investments, or simply trying to understand how the latest UK ISA and tax changes could affect you, this episode offers an accessible overview of the key issues to consider.

 

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.

 

Lumin is authorised and regulated by the Financial Conduct Authority.

 

Like and subscribe to the channel so you don’t miss any future episodes! 

 

Powered by Lumin Wealth

https://luminwealth.co.uk/

 

#ISA #CashISA #Investing #FinancialPlanning #CapitalGainsTax #StocksAndSharesISA #RetirementPlanning #LuminWealth #FinancialIllumination

]]> 1482 no Are You Making These Common Investment Mistakes? https://luminwealth.podbean.com/e/are-you-making-these-common-investment-mistakes/ Investing isn’t just about picking the right investments, it’s about avoiding the costly mistakes that can quietly erode your returns. In this episode of Financial Illumination, Senior Financial Consultant, Sara Moore is joined by Financial Consultant, Kris Fisher, to explore some of the most common investment mistakes – from trying to time the market and making emotional decisions, to following social media trends without doing your own research. They discuss why diversification matters, how fees can eat into long-term returns, and why sometimes the best strategy during market volatility is to simply do nothing at all. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Thu, 13 Aug 2026 09:12:34 -0000 Are You Making These Common Investment Mistakes? full 28 luminwealth Investing isn’t just about picking the right investments, it’s about avoiding the costly mistakes that can quietly erode your returns. In this episode of Financial Illumination, Senior Financial Consultant, Sara Moore is joined by Financial Consultant, Kris Fisher, to explore some of the most common investment mistakes – from trying to time the market and making emotional decisions, to following social media trends without doing your own research. They discuss why diversification matters, how fees can eat into long-term returns, and why sometimes the best strategy during market volatility is to simply do nothing at all. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Investing isn’t just about picking the right investments, it’s about avoiding the costly mistakes that can quietly erode your returns. In this episode of Financial Illumination, Senior Financial Consultant, Sara Moore is joined by Financial Consultant, Kris Fisher, to explore some of the most common investment mistakes – from trying to time the market and making emotional decisions, to following social media trends without doing your own research. They discuss why diversification matters, how fees can eat into long-term returns, and why sometimes the best strategy during market volatility is to simply do nothing at all. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Investing isn’t just about picking the right investments, it’s about avoiding the costly mistakes that can quietly erode your returns.

In this episode of Financial Illumination, Senior Financial Consultant, Sara Moore is joined by Financial Consultant, Kris Fisher, to explore some of the most common investment mistakes – from trying to time the market and making emotional decisions, to following social media trends without doing your own research. They discuss why diversification matters, how fees can eat into long-term returns, and why sometimes the best strategy during market volatility is to simply do nothing at all.

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.

Lumin is authorised and regulated by the Financial Conduct Authority.

]]> 633 no Inheritance Tax (IHT) Strategies: The Insurance Approach More Families Should Know About https://luminwealth.podbean.com/e/iht-strategies-the-insurance-approach-more-families-should-know-about/ What if a Whole-of-Life insurance and annuity could help fund an Inheritance Tax (IHT) bill? As more families become affected by IHT – and with pensions set to form part of your estate for IHT purposes from April 2027 – planning ahead has never been more important. In this episode, hosts Harvey Armstrong and Alan Pereira explore how Whole-of-Life insurance and annuity strategies can help provide funds to meet an IHT bill, protecting more of your wealth for future generations. They also discuss why cash flow planning is essential and whether the insurance strategy is right for you. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Tue, 28 Jul 2026 14:32:10 -0000 Inheritance Tax (IHT) Strategies: The Insurance Approach More Families Should Know About full 27 luminwealth What if a Whole-of-Life insurance and annuity could help fund an Inheritance Tax (IHT) bill? As more families become affected by IHT – and with pensions set to form part of your estate for IHT purposes from April 2027 – planning ahead has never been more important. In this episode, hosts Harvey Armstrong and Alan Pereira explore how Whole-of-Life insurance and annuity strategies can help provide funds to meet an IHT bill, protecting more of your wealth for future generations. They also discuss why cash flow planning is essential and whether the insurance strategy is right for you. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. What if a Whole-of-Life insurance and annuity could help fund an Inheritance Tax (IHT) bill? As more families become affected by IHT – and with pensions set to form part of your estate for IHT purposes from April 2027 – planning ahead has never been more important. In this episode, hosts Harvey Armstrong and Alan Pereira explore how Whole-of-Life insurance and annuity strategies can help provide funds to meet an IHT bill, protecting more of your wealth for future generations. They also discuss why cash flow planning is essential and whether the insurance strategy is right for you. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. What if a Whole-of-Life insurance and annuity could help fund an Inheritance Tax (IHT) bill? As more families become affected by IHT – and with pensions set to form part of your estate for IHT purposes from April 2027 – planning ahead has never been more important. In this episode, hosts Harvey Armstrong and Alan Pereira explore how Whole-of-Life insurance and annuity strategies can help provide funds to meet an IHT bill, protecting more of your wealth for future generations. They also discuss why cash flow planning is essential and whether the insurance strategy is right for you.

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.

Lumin is authorised and regulated by the Financial Conduct Authority.

]]> 1035 no What Happens To Your Pension When You Die? https://luminwealth.podbean.com/e/what-happens-to-your-pension-when-you-die/ Pension death benefits are one of the most valuable, and least understood, aspects of financial planning. With around 35% of UK wealth held in pensions, they play a major role in how wealth is passed between generations, yet many people are unaware that pension benefits often sit outside of their Will. In this episode, Financial Consultant, Israel Babatunde, explains what pension death benefits are, dispels some of the most common misconceptions, and discusses why beneficiary nomination forms are just as important as having an up-to-date Will. He also explores how Defined Contribution pensions are structured, the role of pension trustees, when you should review your nominations, and the tax considerations surrounding inherited pensions, including the upcoming Inheritance Tax (IHT) changes from April 2027. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Wed, 15 Jul 2026 10:02:00 -0000 What Happens To Your Pension When You Die? full 26 luminwealth Pension death benefits are one of the most valuable, and least understood, aspects of financial planning. With around 35% of UK wealth held in pensions, they play a major role in how wealth is passed between generations, yet many people are unaware that pension benefits often sit outside of their Will. In this episode, Financial Consultant, Israel Babatunde, explains what pension death benefits are, dispels some of the most common misconceptions, and discusses why beneficiary nomination forms are just as important as having an up-to-date Will. He also explores how Defined Contribution pensions are structured, the role of pension trustees, when you should review your nominations, and the tax considerations surrounding inherited pensions, including the upcoming Inheritance Tax (IHT) changes from April 2027. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Pension death benefits are one of the most valuable, and least understood, aspects of financial planning. With around 35% of UK wealth held in pensions, they play a major role in how wealth is passed between generations, yet many people are unaware that pension benefits often sit outside of their Will. In this episode, Financial Consultant, Israel Babatunde, explains what pension death benefits are, dispels some of the most common misconceptions, and discusses why beneficiary nomination forms are just as important as having an up-to-date Will. He also explores how Defined Contribution pensions are structured, the role of pension trustees, when you should review your nominations, and the tax considerations surrounding inherited pensions, including the upcoming Inheritance Tax (IHT) changes from April 2027. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Pension death benefits are one of the most valuable, and least understood, aspects of financial planning. With around 35% of UK wealth held in pensions, they play a major role in how wealth is passed between generations, yet many people are unaware that pension benefits often sit outside of their Will.

In this episode, Financial Consultant, Israel Babatunde, explains what pension death benefits are, dispels some of the most common misconceptions, and discusses why beneficiary nomination forms are just as important as having an up-to-date Will. He also explores how Defined Contribution pensions are structured, the role of pension trustees, when you should review your nominations, and the tax considerations surrounding inherited pensions, including the upcoming Inheritance Tax (IHT) changes from April 2027.

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.

Lumin is authorised and regulated by the Financial Conduct Authority.

]]> 1023 no Considering Equity Release? How To Turn Your Home Into Financial Flexibility https://luminwealth.podbean.com/e/considering-equity-release-how-to-turn-your-home-into-financial-flexibility/ Equity release is becoming an increasingly important part of later-life financial planning, particularly as rising property wealth and upcoming inheritance tax changes prompt more people to consider how best to use the value tied up in their homes. However, it's a financial planning topic that is often misunderstood. In this episode of ‘Financial Illumination’, Financial Consultant and Equity Release expert, Sara Moore is joined by Financial Consultant, Kris Fisher, to unpack what equity release is, how it works, and whether it could be the right option for you or your family. They explore the two main types of equity release, along with the repayment options, flexibility, risks, and borrowing limits of modern products. Sara also discusses how equity release can support estate and Inheritance Tax (IHT) planning, including gifting to children in light of upcoming Inheritance Tax (IHT) changes, and explains why seeking regulated financial advice is essential before making any decisions. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Tue, 30 Jun 2026 09:50:36 -0000 Considering Equity Release? How To Turn Your Home Into Financial Flexibility full 25 luminwealth Equity release is becoming an increasingly important part of later-life financial planning, particularly as rising property wealth and upcoming inheritance tax changes prompt more people to consider how best to use the value tied up in their homes. However, it's a financial planning topic that is often misunderstood. In this episode of ‘Financial Illumination’, Financial Consultant and Equity Release expert, Sara Moore is joined by Financial Consultant, Kris Fisher, to unpack what equity release is, how it works, and whether it could be the right option for you or your family. They explore the two main types of equity release, along with the repayment options, flexibility, risks, and borrowing limits of modern products. Sara also discusses how equity release can support estate and Inheritance Tax (IHT) planning, including gifting to children in light of upcoming Inheritance Tax (IHT) changes, and explains why seeking regulated financial advice is essential before making any decisions. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Equity release is becoming an increasingly important part of later-life financial planning, particularly as rising property wealth and upcoming inheritance tax changes prompt more people to consider how best to use the value tied up in their homes. However, it's a financial planning topic that is often misunderstood. In this episode of ‘Financial Illumination’, Financial Consultant and Equity Release expert, Sara Moore is joined by Financial Consultant, Kris Fisher, to unpack what equity release is, how it works, and whether it could be the right option for you or your family. They explore the two main types of equity release, along with the repayment options, flexibility, risks, and borrowing limits of modern products. Sara also discusses how equity release can support estate and Inheritance Tax (IHT) planning, including gifting to children in light of upcoming Inheritance Tax (IHT) changes, and explains why seeking regulated financial advice is essential before making any decisions. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Equity release is becoming an increasingly important part of later-life financial planning, particularly as rising property wealth and upcoming inheritance tax changes prompt more people to consider how best to use the value tied up in their homes. However, it's a financial planning topic that is often misunderstood. In this episode of ‘Financial Illumination’, Financial Consultant and Equity Release expert, Sara Moore is joined by Financial Consultant, Kris Fisher, to unpack what equity release is, how it works, and whether it could be the right option for you or your family.

They explore the two main types of equity release, along with the repayment options, flexibility, risks, and borrowing limits of modern products. Sara also discusses how equity release can support estate and Inheritance Tax (IHT) planning, including gifting to children in light of upcoming Inheritance Tax (IHT) changes, and explains why seeking regulated financial advice is essential before making any decisions.

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.

Lumin is authorised and regulated by the Financial Conduct Authority.

]]> 1071 no Is Your "Safe" Cash Quietly Losing You Thousands? https://luminwealth.podbean.com/e/is-your-safe-cash-quietly-losing-you-thousands/ More people than ever are holding large amounts of cash, often without realising that inflation and taxes can steadily erode its value over time. In this episode, Harvey Armstrong and Alan Pereira explore the hidden costs of keeping too much money in cash and explain why investing can be a powerful tool for building and preserving long-term wealth. They discuss the key differences between cash and investments, how inflation impacts purchasing power, and the potential benefits of putting your money to work in the markets. Whether you're a cautious saver or looking to make your money work harder, this episode provides practical insights to help you make more informed financial decisions. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Mon, 15 Jun 2026 09:21:46 -0000 Is Your "Safe" Cash Quietly Losing You Thousands? full 24 luminwealth More people than ever are holding large amounts of cash, often without realising that inflation and taxes can steadily erode its value over time. In this episode, Harvey Armstrong and Alan Pereira explore the hidden costs of keeping too much money in cash and explain why investing can be a powerful tool for building and preserving long-term wealth. They discuss the key differences between cash and investments, how inflation impacts purchasing power, and the potential benefits of putting your money to work in the markets. Whether you're a cautious saver or looking to make your money work harder, this episode provides practical insights to help you make more informed financial decisions. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. More people than ever are holding large amounts of cash, often without realising that inflation and taxes can steadily erode its value over time. In this episode, Harvey Armstrong and Alan Pereira explore the hidden costs of keeping too much money in cash and explain why investing can be a powerful tool for building and preserving long-term wealth. They discuss the key differences between cash and investments, how inflation impacts purchasing power, and the potential benefits of putting your money to work in the markets. Whether you're a cautious saver or looking to make your money work harder, this episode provides practical insights to help you make more informed financial decisions. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. More people than ever are holding large amounts of cash, often without realising that inflation and taxes can steadily erode its value over time. In this episode, Harvey Armstrong and Alan Pereira explore the hidden costs of keeping too much money in cash and explain why investing can be a powerful tool for building and preserving long-term wealth.

They discuss the key differences between cash and investments, how inflation impacts purchasing power, and the potential benefits of putting your money to work in the markets. Whether you're a cautious saver or looking to make your money work harder, this episode provides practical insights to help you make more informed financial decisions.

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.

Lumin is authorised and regulated by the Financial Conduct Authority.

]]> 928 no Cut Your Inheritance Tax (IHT) Bill With These Gifting Strategies https://luminwealth.podbean.com/e/a-complete-guide-to-gifting-and-cutting-your-iht-bill/ Could gifting now save your family thousands in Inheritance Tax (IHT) later? In this episode, hosts James Corcoran and Jack Dudley explore how gifting can form part of an effective Inheritance Tax (IHT) planning strategy. They discuss the different gifting options available, how to assess whether you can genuinely afford to gift, and the impact retirement and long-term care costs, for example, can have on these decisions. They also cover the emotional side of handing over wealth, the potential risks and pitfalls, and the key considerations when deciding whether gifting is the right move for you and your family. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Tue, 26 May 2026 13:11:14 -0000 Cut Your Inheritance Tax (IHT) Bill With These Gifting Strategies full 23 luminwealth Could gifting now save your family thousands in Inheritance Tax (IHT) later? In this episode, hosts James Corcoran and Jack Dudley explore how gifting can form part of an effective Inheritance Tax (IHT) planning strategy. They discuss the different gifting options available, how to assess whether you can genuinely afford to gift, and the impact retirement and long-term care costs, for example, can have on these decisions. They also cover the emotional side of handing over wealth, the potential risks and pitfalls, and the key considerations when deciding whether gifting is the right move for you and your family. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Could gifting now save your family thousands in Inheritance Tax (IHT) later? In this episode, hosts James Corcoran and Jack Dudley explore how gifting can form part of an effective Inheritance Tax (IHT) planning strategy. They discuss the different gifting options available, how to assess whether you can genuinely afford to gift, and the impact retirement and long-term care costs, for example, can have on these decisions. They also cover the emotional side of handing over wealth, the potential risks and pitfalls, and the key considerations when deciding whether gifting is the right move for you and your family. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. They also cover the emotional side of handing over wealth, the potential risks and pitfalls, and the key considerations when deciding whether gifting is the right move for you and your family.

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.

Lumin is authorised and regulated by the Financial Conduct Authority.

]]> 997 no Do ESG Investments Really Deliver? Separating Narrative From Data https://luminwealth.podbean.com/e/do-esg-investments-really-deliver-separating-narrative-from-data/ Investors are increasingly considering whether ESG (Environmental, Social and Governance) solutions should form part of their portfolio, drawn by the prospect of having a positive impact on society and the environment. But while these messages are compelling, it is crucial to separate fact from fiction. In this episode of Financial Illumination, host James Corcoran is joined by Investment Manager Jordan Donaldson, to discuss the latest findings of Lumin's latest ESG study. They discuss what ESG is and go on to unpack some commonly cited claims about ESG investing, by assessing the ESG characteristics of low-cost equity Exchange Traded Funds (ETFs). To download the full study, visit www.luminwealth.co.uk/downloads/esg-study Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Tue, 12 May 2026 07:56:11 -0000 Do ESG Investments Really Deliver? Separating Narrative From Data full 22 luminwealth Investors are increasingly considering whether ESG (Environmental, Social and Governance) solutions should form part of their portfolio, drawn by the prospect of having a positive impact on society and the environment. But while these messages are compelling, it is crucial to separate fact from fiction. In this episode of Financial Illumination, host James Corcoran is joined by Investment Manager Jordan Donaldson, to discuss the latest findings of Lumin's latest ESG study. They discuss what ESG is and go on to unpack some commonly cited claims about ESG investing, by assessing the ESG characteristics of low-cost equity Exchange Traded Funds (ETFs). To download the full study, visit www.luminwealth.co.uk/downloads/esg-study Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Investors are increasingly considering whether ESG (Environmental, Social and Governance) solutions should form part of their portfolio, drawn by the prospect of having a positive impact on society and the environment. But while these messages are compelling, it is crucial to separate fact from fiction. In this episode of Financial Illumination, host James Corcoran is joined by Investment Manager Jordan Donaldson, to discuss the latest findings of Lumin's latest ESG study. They discuss what ESG is and go on to unpack some commonly cited claims about ESG investing, by assessing the ESG characteristics of low-cost equity Exchange Traded Funds (ETFs). To download the full study, visit www.luminwealth.co.uk/downloads/esg-study Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Investors are increasingly considering whether ESG (Environmental, Social and Governance) solutions should form part of their portfolio, drawn by the prospect of having a positive impact on society and the environment. But while these messages are compelling, it is crucial to separate fact from fiction. In this episode of Financial Illumination, host James Corcoran is joined by Investment Manager Jordan Donaldson, to discuss the latest findings of Lumin's latest ESG study. They discuss what ESG is and go on to unpack some commonly cited claims about ESG investing, by assessing the ESG characteristics of low-cost equity Exchange Traded Funds (ETFs).

To download the full study, visit www.luminwealth.co.uk/downloads/esg-study

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.

Lumin is authorised and regulated by the Financial Conduct Authority.

]]> 1049 no Crisis In The Middle East – Should Investors React? https://luminwealth.podbean.com/e/crisis-in-the-middle-east-%e2%80%93-should-investors-react/ Recent events in the Middle East have understandably unsettled investors. But history consistently reminds us of one important truth: investors who stay diversified and ride out volatility are often the ones who come out ahead. In this episode of Financial Illumination, James Corcoran and Jack Dudley unpack the latest geopolitical developments and the importance of staying invested during uncertain times. They explain why reacting emotionally to headlines can undermine long-term returns and how maintaining a disciplined, long-term strategy has consistently proven to be the more effective approach. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Tue, 28 Apr 2026 07:52:10 -0000 Crisis In The Middle East – Should Investors React? full 21 luminwealth Recent events in the Middle East have understandably unsettled investors. But history consistently reminds us of one important truth: investors who stay diversified and ride out volatility are often the ones who come out ahead. In this episode of Financial Illumination, James Corcoran and Jack Dudley unpack the latest geopolitical developments and the importance of staying invested during uncertain times. They explain why reacting emotionally to headlines can undermine long-term returns and how maintaining a disciplined, long-term strategy has consistently proven to be the more effective approach. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Recent events in the Middle East have understandably unsettled investors. But history consistently reminds us of one important truth: investors who stay diversified and ride out volatility are often the ones who come out ahead. In this episode of Financial Illumination, James Corcoran and Jack Dudley unpack the latest geopolitical developments and the importance of staying invested during uncertain times. They explain why reacting emotionally to headlines can undermine long-term returns and how maintaining a disciplined, long-term strategy has consistently proven to be the more effective approach. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Recent events in the Middle East have understandably unsettled investors. But history consistently reminds us of one important truth: investors who stay diversified and ride out volatility are often the ones who come out ahead. In this episode of Financial Illumination, James Corcoran and Jack Dudley unpack the latest geopolitical developments and the importance of staying invested during uncertain times. They explain why reacting emotionally to headlines can undermine long-term returns and how maintaining a disciplined, long-term strategy has consistently proven to be the more effective approach.

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.

Lumin is authorised and regulated by the Financial Conduct Authority.

]]> 1074 no Pensions Enter The IHT Net From April 2027. Are You Ready? https://luminwealth.podbean.com/e/pensions-enter-the-iht-net-from-april-2027-are-you-ready/ Pensions have long been a cornerstone of legacy and estate planning. But with pensions falling into the Inheritance Tax (IHT) net from April 2027, all of that will change. In this episode, host James Corcoran is joined by Israel Babatunde who breaks down what the policy changes in April 2027 will entail, and the solutions people can adopt to protect their pensions and their legacy. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Wed, 15 Apr 2026 15:20:42 -0000 Pensions Enter The IHT Net From April 2027. Are You Ready? full 20 luminwealth Pensions have long been a cornerstone of legacy and estate planning. But with pensions falling into the Inheritance Tax (IHT) net from April 2027, all of that will change. In this episode, host James Corcoran is joined by Israel Babatunde who breaks down what the policy changes in April 2027 will entail, and the solutions people can adopt to protect their pensions and their legacy. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Pensions have long been a cornerstone of legacy and estate planning. But with pensions falling into the Inheritance Tax (IHT) net from April 2027, all of that will change. In this episode, host James Corcoran is joined by Israel Babatunde who breaks down what the policy changes in April 2027 will entail, and the solutions people can adopt to protect their pensions and their legacy. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Pensions have long been a cornerstone of legacy and estate planning. But with pensions falling into the Inheritance Tax (IHT) net from April 2027, all of that will change. In this episode, host James Corcoran is joined by Israel Babatunde who breaks down what the policy changes in April 2027 will entail, and the solutions people can adopt to protect their pensions and their legacy.

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.

Lumin is authorised and regulated by the Financial Conduct Authority.

]]> 829 no How Annuities Work: Securing Income For The Future https://luminwealth.podbean.com/e/how-annuities-work-securing-income-for-the-future/ What if you could create a paycheck that lasts for life? In this episode, James Corcoran and Jack Dudley dive into the role annuities can play in a retirement plan. They explore how annuities work, why they matter, the risks associated with them and how they can potentially help you build steady, stress-free income throughout retirement. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Tue, 31 Mar 2026 09:44:49 -0000 How Annuities Work: Securing Income For The Future full 19 luminwealth What if you could create a paycheck that lasts for life? In this episode, James Corcoran and Jack Dudley dive into the role annuities can play in a retirement plan. They explore how annuities work, why they matter, the risks associated with them and how they can potentially help you build steady, stress-free income throughout retirement. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. What if you could create a paycheck that lasts for life? In this episode, James Corcoran and Jack Dudley dive into the role annuities can play in a retirement plan. They explore how annuities work, why they matter, the risks associated with them and how they can potentially help you build steady, stress-free income throughout retirement. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. What if you could create a paycheck that lasts for life? In this episode, James Corcoran and Jack Dudley dive into the role annuities can play in a retirement plan. They explore how annuities work, why they matter, the risks associated with them and how they can potentially help you build steady, stress-free income throughout retirement.

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority.

]]> 884 no Business Relief And IHT: Strategies For Business Owners https://luminwealth.podbean.com/e/business-relief-and-inheritance-tax-protecting-your-estate/ Inheritance Tax (IHT) can significantly impact the wealth tied up in a business, and without proper planning, business owners may find that a large portion of their estate is exposed. However, with the right approach, Business Relief offers a powerful way to reduce that liability and safeguard both your business and personal wealth for future generations. In this episode, hosts James Corcoran and Israel Babatunde explore the role of Business Relief and how it compares to gifting as a strategy for reducing the value of your estate for Inheritance Tax purposes. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Wed, 18 Mar 2026 09:53:58 -0000 Business Relief And IHT: Strategies For Business Owners full 18 luminwealth Inheritance Tax (IHT) can significantly impact the wealth tied up in a business, and without proper planning, business owners may find that a large portion of their estate is exposed. However, with the right approach, Business Relief offers a powerful way to reduce that liability and safeguard both your business and personal wealth for future generations. In this episode, hosts James Corcoran and Israel Babatunde explore the role of Business Relief and how it compares to gifting as a strategy for reducing the value of your estate for Inheritance Tax purposes. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Inheritance Tax (IHT) can significantly impact the wealth tied up in a business, and without proper planning, business owners may find that a large portion of their estate is exposed. However, with the right approach, Business Relief offers a powerful way to reduce that liability and safeguard both your business and personal wealth for future generations. In this episode, hosts James Corcoran and Israel Babatunde explore the role of Business Relief and how it compares to gifting as a strategy for reducing the value of your estate for Inheritance Tax purposes. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Inheritance Tax (IHT) can significantly impact the wealth tied up in a business, and without proper planning, business owners may find that a large portion of their estate is exposed. However, with the right approach, Business Relief offers a powerful way to reduce that liability and safeguard both your business and personal wealth for future generations. In this episode, hosts James Corcoran and Israel Babatunde explore the role of Business Relief and how it compares to gifting as a strategy for reducing the value of your estate for Inheritance Tax purposes.

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority.

]]> 786 no How Inheritance Tax (IHT) Really Works: Everything You Need To Know https://luminwealth.podbean.com/e/how-inheritance-tax-iht-really-works/ Managing Inheritance Tax (IHT) is a cornerstone of effective estate planning. But what exactly is IHT, and how does it work in practice? In this episode of the 'Financial Illumination' podcast, hosts James Corcoran and Jack Dudley explore the role IHT plays in your overall financial plan, what it could mean for your estate, and the practical steps you can take to manage it effectively. DISCLAIMER Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority.   Tue, 03 Mar 2026 10:12:32 -0000 How Inheritance Tax (IHT) Really Works: Everything You Need To Know full 17 luminwealth Managing Inheritance Tax (IHT) is a cornerstone of effective estate planning. But what exactly is IHT, and how does it work in practice? In this episode of the 'Financial Illumination' podcast, hosts James Corcoran and Jack Dudley explore the role IHT plays in your overall financial plan, what it could mean for your estate, and the practical steps you can take to manage it effectively. DISCLAIMER Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority.   Managing Inheritance Tax (IHT) is a cornerstone of effective estate planning. But what exactly is IHT, and how does it work in practice? In this episode of the 'Financial Illumination' podcast, hosts James Corcoran and Jack Dudley explore the role IHT plays in your overall financial plan, what it could mean for your estate, and the practical steps you can take to manage it effectively. DISCLAIMER Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority.   Managing Inheritance Tax (IHT) is a cornerstone of effective estate planning. But what exactly is IHT, and how does it work in practice? In this episode of the 'Financial Illumination' podcast, hosts James Corcoran and Jack Dudley explore the role IHT plays in your overall financial plan, what it could mean for your estate, and the practical steps you can take to manage it effectively.

DISCLAIMER

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority.

 

]]> 1037 no 5 Tax Year-End Tips: Save Yourself Thousands! https://luminwealth.podbean.com/e/tax-year-end-save-yourself-thousands-with-these-key-tips/ As the end of the tax year approaches, your annual allowances are about to reset – and any you haven’t used will be lost. In this episode, James Corcoran and Jack Dudley focus on the practical steps you can take now to make the most of pension contributions, ISA allowances and Capital Gains Tax exemptions before 5 April. From boosting your pension with valuable tax relief, to maximising your £20,000 ISA wrapper, they explain how a few timely decisions could save you thousands in tax and keep more of your wealth where it belongs – with you, not HMRC. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Wed, 25 Feb 2026 10:43:14 -0000 5 Tax Year-End Tips: Save Yourself Thousands! full 16 luminwealth As the end of the tax year approaches, your annual allowances are about to reset – and any you haven’t used will be lost. In this episode, James Corcoran and Jack Dudley focus on the practical steps you can take now to make the most of pension contributions, ISA allowances and Capital Gains Tax exemptions before 5 April. From boosting your pension with valuable tax relief, to maximising your £20,000 ISA wrapper, they explain how a few timely decisions could save you thousands in tax and keep more of your wealth where it belongs – with you, not HMRC. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. As the end of the tax year approaches, your annual allowances are about to reset – and any you haven’t used will be lost. In this episode, James Corcoran and Jack Dudley focus on the practical steps you can take now to make the most of pension contributions, ISA allowances and Capital Gains Tax exemptions before 5 April. From boosting your pension with valuable tax relief, to maximising your £20,000 ISA wrapper, they explain how a few timely decisions could save you thousands in tax and keep more of your wealth where it belongs – with you, not HMRC. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. As the end of the tax year approaches, your annual allowances are about to reset – and any you haven’t used will be lost. In this episode, James Corcoran and Jack Dudley focus on the practical steps you can take now to make the most of pension contributions, ISA allowances and Capital Gains Tax exemptions before 5 April. From boosting your pension with valuable tax relief, to maximising your £20,000 ISA wrapper, they explain how a few timely decisions could save you thousands in tax and keep more of your wealth where it belongs – with you, not HMRC.

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.

Lumin is authorised and regulated by the Financial Conduct Authority.

]]> 350 no Is Your Pension IHT-Proof Or About To Take The Hit? https://luminwealth.podbean.com/e/is-your-pension-iht-proof-or-about-to-take-the-hit/ With pensions falling into the IHT net from April 2027, taking the necessary steps now can help protect your legacy before the changes move against you. In this episode, hosts James Corcoran and Jack Dudley break down what the policy changes in April 2027 will entail, the types of pensions included in the estate and why early financial planning matters when it comes to protecting your legacy. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. Tue, 03 Feb 2026 11:48:30 -0000 Is Your Pension IHT-Proof Or About To Take The Hit? full 15 luminwealth With pensions falling into the IHT net from April 2027, taking the necessary steps now can help protect your legacy before the changes move against you. In this episode, hosts James Corcoran and Jack Dudley break down what the policy changes in April 2027 will entail, the types of pensions included in the estate and why early financial planning matters when it comes to protecting your legacy. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. With pensions falling into the IHT net from April 2027, taking the necessary steps now can help protect your legacy before the changes move against you. In this episode, hosts James Corcoran and Jack Dudley break down what the policy changes in April 2027 will entail, the types of pensions included in the estate and why early financial planning matters when it comes to protecting your legacy. Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing. Lumin is authorised and regulated by the Financial Conduct Authority. With pensions falling into the IHT net from April 2027, taking the necessary steps now can help protect your legacy before the changes move against you. In this episode, hosts James Corcoran and Jack Dudley break down what the policy changes in April 2027 will entail, the types of pensions included in the estate and why early financial planning matters when it comes to protecting your legacy.

Please note that the content of this podcast is for informational purposes only and should not be considered financial advice. As always, your capital is at risk when investing.

Lumin is authorised and regulated by the Financial Conduct Authority.

]]> 435 no Autumn Budget Breakdown: What It Means For You https://luminwealth.podbean.com/e/autumn-budget-breakdown-what-it-means-for-you-1769002803/ In this episode, hosts James Corcoran and Jack Dudley break down Chancellor Rachel Reeves’ Autumn Budget and explores its implications for investors, families, and business owners. From pension reforms and ISA changes, we unpack the practical financial planning consequences. Wed, 21 Jan 2026 13:40:03 -0000 Autumn Budget Breakdown: What It Means For You full 14 luminwealth In this episode, hosts James Corcoran and Jack Dudley break down Chancellor Rachel Reeves’ Autumn Budget and explores its implications for investors, families, and business owners. From pension reforms and ISA changes, we unpack the practical financial planning consequences. In this episode, hosts James Corcoran and Jack Dudley break down Chancellor Rachel Reeves’ Autumn Budget and explores its implications for investors, families, and business owners. From pension reforms and ISA changes, we unpack the practical financial planning consequences. In this episode, hosts James Corcoran and Jack Dudley break down Chancellor Rachel Reeves’ Autumn Budget and explores its implications for investors, families, and business owners. From pension reforms and ISA changes, we unpack the practical financial planning consequences.

]]> 389 no You've Inherited A Lump Sum - What Now? https://luminwealth.podbean.com/e/youve-inherited-a-lump-sum-what-now/ Inheriting a lump sum can be life-changing, and overwhelming, especially if you've never managed significant money before. In this episode of Lumin Wealth's 'Financial Illumination' podcast, financial planners James Corcoran and Jack Dudley explain what to do (and what not to do) when an inheritance arrives: why the FCA treats new inheritors as potentially vulnerable clients, the questions a good adviser asks first, gifting and the seven-year rule, why leaving it all in cash quietly costs you, and how cashflow planning maps the money to your life. 00:00 What counts as a lump sum 04:38 Getting advice 07:46 Gifting and the seven-year rule 09:29 Cash vs investing 11:09 Planning around your future needs This podcast is for information only and does not constitute financial advice. To speak to a Lumin adviser, visit luminwealth.co.uk Wed, 24 Sep 2025 23:25:27 -0000 You've Inherited A Lump Sum - What Now? full 12 luminwealth Inheriting a lump sum can be life-changing, and overwhelming, especially if you've never managed significant money before. In this episode of Lumin Wealth's 'Financial Illumination' podcast, financial planners James Corcoran and Jack Dudley explain what to do (and what not to do) when an inheritance arrives: why the FCA treats new inheritors as potentially vulnerable clients, the questions a good adviser asks first, gifting and the seven-year rule, why leaving it all in cash quietly costs you, and how cashflow planning maps the money to your life. 00:00 What counts as a lump sum04:38 Getting advice07:46 Gifting and the seven-year rule09:29 Cash vs investing11:09 Planning around your future needs This podcast is for information only and does not constitute financial advice. To speak to a Lumin adviser, visit luminwealth.co.uk Inheriting a lump sum can be life-changing, and overwhelming, especially if you've never managed significant money before. In this episode of Lumin Wealth's 'Financial Illumination' podcast, financial planners James Corcoran and Jack Dudley explain what to do (and what not to do) when an inheritance arrives: why the FCA treats new inheritors as potentially vulnerable clients, the questions a good adviser asks first, gifting and the seven-year rule, why leaving it all in cash quietly costs you, and how cashflow planning maps the money to your life. 00:00 What counts as a lump sum 04:38 Getting advice 07:46 Gifting and the seven-year rule 09:29 Cash vs investing 11:09 Planning around your future needs This podcast is for information only and does not constitute financial advice. To speak to a Lumin adviser, visit luminwealth.co.uk Inheriting a lump sum can be life-changing, and overwhelming, especially if you've never managed significant money before. In this episode of Lumin Wealth's 'Financial Illumination' podcast, financial planners James Corcoran and Jack Dudley explain what to do (and what not to do) when an inheritance arrives: why the FCA treats new inheritors as potentially vulnerable clients, the questions a good adviser asks first, gifting and the seven-year rule, why leaving it all in cash quietly costs you, and how cashflow planning maps the money to your life.

00:00 What counts as a lump sum
04:38 Getting advice
07:46 Gifting and the seven-year rule
09:29 Cash vs investing
11:09 Planning around your future needs

This podcast is for information only and does not constitute financial advice. To speak to a Lumin adviser, visit luminwealth.co.uk

]]> 802 no Is It Time To Consolidate Your Pensions? https://luminwealth.podbean.com/e/is-it-time-to-consolidate-your-pensions/ Built up three, four, five pensions across different jobs? Adverts everywhere tell you to combine them, but is pension consolidation actually right for you? Financial planners James Corcoran and Jack Dudley dig into when merging pensions makes sense and when it's a trap: comparing costs and charges, the hidden danger of lifestyle funds, valuable benefits you can lose by transferring, and why "my ISA beat my pension" usually means something else is going on. 00:00 Why consolidation is everywhere 03:27 Costs and charges 06:46 When moving makes sense 08:37 The lifestyle fund trap 11:54 The real benefits of consolidating This podcast is for information only and does not constitute financial advice. To speak to a Lumin adviser, visit luminwealth.co.uk Wed, 24 Sep 2025 23:07:24 -0000 Is It Time To Consolidate Your Pensions? full 11 luminwealth Built up three, four, five pensions across different jobs? Adverts everywhere tell you to combine them, but is pension consolidation actually right for you? Financial planners James Corcoran and Jack Dudley dig into when merging pensions makes sense and when it's a trap: comparing costs and charges, the hidden danger of lifestyle funds, valuable benefits you can lose by transferring, and why "my ISA beat my pension" usually means something else is going on. 00:00 Why consolidation is everywhere03:27 Costs and charges06:46 When moving makes sense08:37 The lifestyle fund trap11:54 The real benefits of consolidating This podcast is for information only and does not constitute financial advice. To speak to a Lumin adviser, visit luminwealth.co.uk Built up three, four, five pensions across different jobs? Adverts everywhere tell you to combine them, but is pension consolidation actually right for you? Financial planners James Corcoran and Jack Dudley dig into when merging pensions makes sense and when it's a trap: comparing costs and charges, the hidden danger of lifestyle funds, valuable benefits you can lose by transferring, and why "my ISA beat my pension" usually means something else is going on. 00:00 Why consolidation is everywhere 03:27 Costs and charges 06:46 When moving makes sense 08:37 The lifestyle fund trap 11:54 The real benefits of consolidating This podcast is for information only and does not constitute financial advice. To speak to a Lumin adviser, visit luminwealth.co.uk Built up three, four, five pensions across different jobs? Adverts everywhere tell you to combine them, but is pension consolidation actually right for you? Financial planners James Corcoran and Jack Dudley dig into when merging pensions makes sense and when it's a trap: comparing costs and charges, the hidden danger of lifestyle funds, valuable benefits you can lose by transferring, and why "my ISA beat my pension" usually means something else is going on.

00:00 Why consolidation is everywhere
03:27 Costs and charges
06:46 When moving makes sense
08:37 The lifestyle fund trap
11:54 The real benefits of consolidating

This podcast is for information only and does not constitute financial advice. To speak to a Lumin adviser, visit luminwealth.co.uk

]]> 820 no Selling A Business? How To Exit Smoothly And Tax Efficiently https://luminwealth.podbean.com/e/selling-a-business-how-to-exit-smoothly-and-tax-efficiently/ You've spent years building your business, but have you planned the exit? Financial planners James Corcoran and Jack Dudley walk through selling a business the tax-efficient way: Business Asset Disposal Relief and the 5% test, holdover relief when gifting business assets, deferring gains through the Enterprise Investment Scheme (EIS), and how Business Relief interacts with inheritance tax. 00:00 Why exits go wrong 02:26 Business Asset Disposal Relief 04:51 Gifting and holdover relief 06:05 EIS deferral 07:59 Business Relief and IHT This podcast is for information only and does not constitute financial advice. To speak to a Lumin adviser, visit luminwealth.co.uk Wed, 24 Sep 2025 22:26:49 -0000 Selling A Business? How To Exit Smoothly And Tax Efficiently full 10 luminwealth You've spent years building your business, but have you planned the exit? Financial planners James Corcoran and Jack Dudley walk through selling a business the tax-efficient way: Business Asset Disposal Relief and the 5% test, holdover relief when gifting business assets, deferring gains through the Enterprise Investment Scheme (EIS), and how Business Relief interacts with inheritance tax. 00:00 Why exits go wrong02:26 Business Asset Disposal Relief04:51 Gifting and holdover relief06:05 EIS deferral07:59 Business Relief and IHT This podcast is for information only and does not constitute financial advice. To speak to a Lumin adviser, visit luminwealth.co.uk You've spent years building your business, but have you planned the exit? Financial planners James Corcoran and Jack Dudley walk through selling a business the tax-efficient way: Business Asset Disposal Relief and the 5% test, holdover relief when gifting business assets, deferring gains through the Enterprise Investment Scheme (EIS), and how Business Relief interacts with inheritance tax. 00:00 Why exits go wrong 02:26 Business Asset Disposal Relief 04:51 Gifting and holdover relief 06:05 EIS deferral 07:59 Business Relief and IHT This podcast is for information only and does not constitute financial advice. To speak to a Lumin adviser, visit luminwealth.co.uk You've spent years building your business, but have you planned the exit? Financial planners James Corcoran and Jack Dudley walk through selling a business the tax-efficient way: Business Asset Disposal Relief and the 5% test, holdover relief when gifting business assets, deferring gains through the Enterprise Investment Scheme (EIS), and how Business Relief interacts with inheritance tax.

00:00 Why exits go wrong
02:26 Business Asset Disposal Relief
04:51 Gifting and holdover relief
06:05 EIS deferral
07:59 Business Relief and IHT

This podcast is for information only and does not constitute financial advice. To speak to a Lumin adviser, visit luminwealth.co.uk

]]> 601 no Is Your Bank Helping Or Hindering Your Savings And Investments? https://luminwealth.podbean.com/e/is-your-bank-helping-or-hindering-your-savings-and-investments/ Financial Illumination is a podcast which shines a light on all things financial. Brought to you by leading UK Financial Planning firm Lumin Wealth. Please be aware that anything discussed on this podcast should not be regarded as financial advice, and when investing your capital is at risk. Download your copy of Lumin News here - lumin news - Lumin Wealth Management Tue, 20 May 2025 21:39:47 -0000 Is Your Bank Helping Or Hindering Your Savings And Investments? full 9 luminwealth Financial Illumination is a podcast which shines a light on all things financial. Brought to you by leading UK Financial Planning firm Lumin Wealth. Please be aware that anything discussed on this podcast should not be regarded as financial advice, and when investing your capital is at risk. Download your copy of Lumin News here - lumin news - Lumin Wealth Management Financial Illumination is a podcast which shines a light on all things financial. Brought to you by leading UK Financial Planning firm Lumin Wealth. Please be aware that anything discussed on this podcast should not be regarded as financial advice, and when investing your capital is at risk. Download your copy of Lumin News here - lumin news - Lumin Wealth Management Financial Illumination is a podcast which shines a light on all things financial. Brought to you by leading UK Financial Planning firm Lumin Wealth. Please be aware that anything discussed on this podcast should not be regarded as financial advice, and when investing your capital is at risk.

Download your copy of Lumin News here - lumin news - Lumin Wealth Management

]]> 573 no New Tax Year - Top Tips! https://luminwealth.podbean.com/e/new-tax-year-top-tips/ Financial Illumination is a podcast which shines a light on all things financial. Brought to you by leading UK Financial Planning firm Lumin Wealth. Please be aware that anything discussed on this podcast should not be regarded as financial advice, and when investing your capital is at risk. Tue, 20 May 2025 21:38:12 -0000 New Tax Year - Top Tips! full 8 luminwealth Financial Illumination is a podcast which shines a light on all things financial. Brought to you by leading UK Financial Planning firm Lumin Wealth. Please be aware that anything discussed on this podcast should not be regarded as financial advice, and when investing your capital is at risk. Financial Illumination is a podcast which shines a light on all things financial. Brought to you by leading UK Financial Planning firm Lumin Wealth. Please be aware that anything discussed on this podcast should not be regarded as financial advice, and when investing your capital is at risk. Financial Illumination is a podcast which shines a light on all things financial. Brought to you by leading UK Financial Planning firm Lumin Wealth. Please be aware that anything discussed on this podcast should not be regarded as financial advice, and when investing your capital is at risk.

]]> 937 no Will There Be Inheritance Tax On Your Pension? https://luminwealth.podbean.com/e/will-there-be-inheritance-tax-on-your-pension/ Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Planner Jack Dudley to discuss the changes made in the Budget where pensions are due to be liable to Inheritance Tax. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Fri, 17 Jan 2025 00:15:26 -0000 Will There Be Inheritance Tax On Your Pension? full 7 luminwealth Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Planner Jack Dudley to discuss the changes made in the Budget where pensions are due to be liable to Inheritance Tax. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Planner Jack Dudley to discuss the changes made in the Budget where pensions are due to be liable to Inheritance Tax. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth.

Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Planner Jack Dudley to discuss the changes made in the Budget where pensions are due to be liable to Inheritance Tax.

Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk

]]> 1253 no Tax Year End Tips! https://luminwealth.podbean.com/e/tax-year-end-tips/ Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Planner Jack Dudley to discuss what you should be aware of with the end of the tax year approaching. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Thu, 16 Jan 2025 23:25:49 -0000 Tax Year End Tips! full 6 luminwealth Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Planner Jack Dudley to discuss what you should be aware of with the end of the tax year approaching. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Planner Jack Dudley to discuss what you should be aware of with the end of the tax year approaching. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth.

Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Planner Jack Dudley to discuss what you should be aware of with the end of the tax year approaching. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk

]]> 1151 no Are you overpaying for financial advice? https://luminwealth.podbean.com/e/are-you-overpaying-for-financial-advice/ Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Planning Manager Joe Fisher to discuss the costs of financial advice and what you should be looking out for if you are working with a financial adviser/ planner. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Wed, 18 Sep 2024 21:50:44 -0000 Are you overpaying for financial advice? full 5 luminwealth Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Planning Manager Joe Fisher to discuss the costs of financial advice and what you should be looking out for if you are working with a financial adviser/ planner. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Planning Manager Joe Fisher to discuss the costs of financial advice and what you should be looking out for if you are working with a financial adviser/ planner. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth.

Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Planning Manager Joe Fisher to discuss the costs of financial advice and what you should be looking out for if you are working with a financial adviser/ planner.

Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk

]]> 552 no What is the "Great Wealth Transfer" and what does it mean for Estate Planning? https://luminwealth.podbean.com/e/what-is-the-great-wealth-transfer-and-what-does-it-mean-for-estate-planning/ Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Consultant Ben Mitson to discuss the "Great Wealth Transfer" and the implications for Inheritance Tax Planning Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Wed, 18 Sep 2024 21:45:58 -0000 What is the "Great Wealth Transfer" and what does it mean for Estate Planning? full 4 luminwealth Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Consultant Ben Mitson to discuss the "Great Wealth Transfer" and the implications for Inheritance Tax Planning Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Consultant Ben Mitson to discuss the "Great Wealth Transfer" and the implications for Inheritance Tax Planning Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth.

Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Consultant Ben Mitson to discuss the "Great Wealth Transfer" and the implications for Inheritance Tax Planning

Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk

]]> 479 no How to lock in the best mortgage deal for 6 months https://luminwealth.podbean.com/e/how-to-lock-in-the-best-mortgage-deal-for-6-months/ Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Mortgage Director Brian Keane to discuss the current mortgage market and the importance of locking in the best possible mortgage deal  Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Wed, 18 Sep 2024 21:34:08 -0000 How to lock in the best mortgage deal for 6 months full 3 luminwealth Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Mortgage Director Brian Keane to discuss the current mortgage market and the importance of locking in the best possible mortgage deal  Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Mortgage Director Brian Keane to discuss the current mortgage market and the importance of locking in the best possible mortgage deal  Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth.

Host and Senior Chartered Financial Planner James Corcoran is joined by Mortgage Director Brian Keane to discuss the current mortgage market and the importance of locking in the best possible mortgage deal 

Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk

]]> 1024 no The McCloud Judgement - Does This Affect Your Pension? https://luminwealth.podbean.com/e/the-mccloud-judgement-does-this-affect-your-pension/ Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Pensions Actuary Wendy Beaver to discuss a big issue affecting many people in the country right now, the McCloud judgement. What is it and does it affect you? Listen and find out. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Wed, 24 Jan 2024 00:03:35 -0000 The McCloud Judgement - Does This Affect Your Pension? full 2 luminwealth Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Pensions Actuary Wendy Beaver to discuss a big issue affecting many people in the country right now, the McCloud judgement. What is it and does it affect you? Listen and find out. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Pensions Actuary Wendy Beaver to discuss a big issue affecting many people in the country right now, the McCloud judgement. What is it and does it affect you? Listen and find out. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth.

Host and Senior Chartered Financial Planner James Corcoran is joined by Pensions Actuary Wendy Beaver to discuss a big issue affecting many people in the country right now, the McCloud judgement. What is it and does it affect you? Listen and find out.

Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk

]]> 461 no UK Interest Rates Hit 15 Year Highs - What Should You Be Doing? https://luminwealth.podbean.com/e/uk-interest-rates-hit-15-year-highs-what-should-you-be-doing/ Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Consultant Ben Mitson to discuss one of the key concerns at the moment - that interest rates are at 15 year highs, and how that impacts borrowers, savers, and investors. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Mon, 13 Nov 2023 17:31:13 -0000 UK Interest Rates Hit 15 Year Highs - What Should You Be Doing? full 1 luminwealth Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Consultant Ben Mitson to discuss one of the key concerns at the moment - that interest rates are at 15 year highs, and how that impacts borrowers, savers, and investors. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth. Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Consultant Ben Mitson to discuss one of the key concerns at the moment - that interest rates are at 15 year highs, and how that impacts borrowers, savers, and investors. Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk Welcome to the Financial Illumination podcast, brought to you by Lumin Wealth.

Host and Senior Chartered Financial Planner James Corcoran is joined by Financial Consultant Ben Mitson to discuss one of the key concerns at the moment - that interest rates are at 15 year highs, and how that impacts borrowers, savers, and investors.

Please be aware that anything discussed on this podcast should not be regarded as financial advice and when investing your capital is at risk

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