29: Retirement Planning for Couples - Tax-Efficiency & Emotional Readiness

Описание: In Episode 29 of Retire Well, Matthew and Joe dive deep into the essentials of retirement planning for couples, covering both the financial strategies and psychological considerations that shape a successful retirement journey.

🔍 Topics Covered:

Understanding the nil rate band and residence nil rate band
Estate planning and inheritance tax strategies
The importance of joint financial planning and cash flow modelling
Navigating unequal pension pots and spousal transfers
Leveraging state pension top-ups and National Insurance credits
Exploring annuities, marriage allowance, and tax-free cash options
Balancing retirement goals when partners have different timelines or risk profiles

💡 Whether you're approaching retirement or just starting to plan, this episode offers practical insights and actionable tips to help couples align their financial futures and make informed decisions together.

📬 Got questions? Drop them in the comments or email us at [email protected] for a chance to be featured in future episodes!

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Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. Past performance is no guide to future returns. Your investments can go down as well as up, so you may get back less than you originally invested. This video is for educational purposes only and is not personal financial advice.