//podcastplus.net/feed/the-money-planner-with-warren-shute~a95b3a13 My name is Warren Shute, and I am one of the UK’s leading Financial Planners and a bestselling author of The Money Plan. I realised there were many people who did not feel comfortable reaching out to a Financial Planner, either because they did not feel they earnt enough, had enough or were just put off by the term ‘Wealth Manager’.So after I won Certified Financial Planner of the Year, I decided to turn my attention to help those individuals and families make better money decisions as I believe everyone deserves to have financial freedom, freedom from the worries of money, regardless of wealth or status. I set up http://warrenshute.com and wrote the bestselling book "The Money Plan" to help with just that.Now you can listen to my weekly YouTube show "The Money Planner" as a podcast, where I discuss ideas and strategies for better money management so you can become financially free. Don't forget to visit my website http://warrenshute.com for free useful downloads and more useful information and resources.In The Money Planner Podcast, each week I explore all things relevant and topical with finance in a relaxed and fun conversation style. I drill down into the necessary details covering such topics as couples finance, debt management, childrens pocket money, investing & pensions, and how to achieve your financial goals.If would be great for you to leave me a nice review or let me know any topics you would like me to cover in future Thu, 13 Aug 2026 23:45:57 +0000 https://feeds.soundcloud.com/stream/1325130469-themoneyplanner-episode-109-check-your-tax-details-it-could-be-costing-you-thousands.mp3 The UK tax system is notoriously complex, and it's not just our ‘cash income’ such as salary and bonuses that we pay income tax – we also pay it on any benefits in kind (BIK) or ‘non-cash benefits’ that we receive in employment. You should be aware that they can be deceptively unkind in tax terms, despite their name, watch this episode to discover more. Tue, 16 Aug 2022 13:00:09 +0000 https://feeds.soundcloud.com/stream/1325130469-themoneyplanner-episode-109-check-your-tax-details-it-could-be-costing-you-thousands.mp3 https://feeds.soundcloud.com/stream/1325126491-themoneyplanner-episode-108-essential-actions-to-take-before-the-year-ends.mp3 Your New Year’s Eve celebrations may seem a distant memory, and for many of us when we start a new year we commit to some resolutions; goals that we’d like to accomplish in the following twelve months.However, if you're struggling to complete your financial goals for the year, how can you get back on track? Tue, 16 Aug 2022 12:50:42 +0000 https://feeds.soundcloud.com/stream/1325126491-themoneyplanner-episode-108-essential-actions-to-take-before-the-year-ends.mp3 https://feeds.soundcloud.com/stream/1309981156-themoneyplanner-episode-107-snowball-your-way-out-of-debt-learn-a-debt-repayment-system-that-works.mp3 With interest rates rising and the economy being so uncertain, now more than ever you need to be financially secure. A great way to increase financial security is to repay your debt, but it’s not easy, is it.I use a process that’s different to most others when it comes to getting debt-free, because it focuses on making you feel good as you go along your debt repayment journey.It’s called the Snowball System because your little decisions will build up to make a big difference. Mon, 25 Jul 2022 14:00:02 +0000 https://feeds.soundcloud.com/stream/1309981156-themoneyplanner-episode-107-snowball-your-way-out-of-debt-learn-a-debt-repayment-system-that-works.mp3 https://feeds.soundcloud.com/stream/1308025549-themoneyplanner-episode-106-is-it-time-to-get-out-of-the-stock-markets.mp3 A lot of people are stressed out by a lot of things at the moment - Markets are down, prices are up, and interest rates are rising.So should you be thinking about cashing out your investments, and leaving the stock markets? Watch this podcast to find out more.For more financial planning help please visit www.warrenshute.com Fri, 22 Jul 2022 17:00:42 +0000 https://feeds.soundcloud.com/stream/1308025549-themoneyplanner-episode-106-is-it-time-to-get-out-of-the-stock-markets.mp3 https://feeds.soundcloud.com/stream/1308011086-themoneyplanner-episode-105-the-secret-to-a-happy-retirement.mp3 In this podcast episode, discover the secret to a happy retirement and how to plan ahead to help make your retirement the best years of your life.For more financial planning help please visit warrenshute.com/ Tue, 19 Jul 2022 16:32:23 +0000 https://feeds.soundcloud.com/stream/1308011086-themoneyplanner-episode-105-the-secret-to-a-happy-retirement.mp3 https://feeds.soundcloud.com/stream/1241973190-themoneyplanner-episode-104-should-you-invest-your-money-in-property-or-in-the-stock-market.mp3 In recent years we’ve seen a resurgence in property investing brought on partly by the stamp duty holiday. But what should you do when it comes to your money? should you invest it into a property? or should you invest it in the stock market?In this episode, I will detail the reasons why I believe equities make better investments than property.For the article visit:https://warrenshute.com/saving-investing/should-you-invest-in-property-or-shares-why-it-pays-to-back-global-plc/ Thu, 31 Mar 2022 14:44:00 +0000 https://feeds.soundcloud.com/stream/1241973190-themoneyplanner-episode-104-should-you-invest-your-money-in-property-or-in-the-stock-market.mp3 https://feeds.soundcloud.com/stream/1241972305-themoneyplanner-episode-103-should-you-change-my-investment-portfolio-considering-the-news.mp3 After touching record highs in early January, many world markets have pulled back from their highs, and investors have been confronted with worrisome headlines in the financial press regarding record inflation and more recently the Russian invasion of Ukraine.Is rising inflation and Russia’s invasion a negative for equity investors? Do large losses in a handful of popular stocks signal a downturn ahead for the broad market?Listen to my podcast to discover whether you should change your investment portfolio based on the current news and events.For my article visit:https://warrenshute.com/financial-news-events/should-i-be-changing-my-portfolio-considering-the-news/For other financial planning articles about investing, pensions or debt please visit: https://warrenshute.com Thu, 31 Mar 2022 14:42:03 +0000 https://feeds.soundcloud.com/stream/1241972305-themoneyplanner-episode-103-should-you-change-my-investment-portfolio-considering-the-news.mp3 https://feeds.soundcloud.com/stream/1233663982-themoneyplanner-episode-102-tax-allowances-for-your-year-end-tax-planning-in-2022.mp3 With the cost of living increasing and our electricity bills looking more like Elton John’s florist bill, we thought it even more pertinent to tax plan this season and maximise our savings.While tax planning is an important part of financial planning, it is not the only part. It is essential that any tax planning strategy that is being considered also makes commercial sense.In this bumper episode of the money planner, I discuss the tax allowances you can discover in a number of areas, as listed below.1:24 Working From Home Tax Breaks4:41 Income Tax Thresholds8:08 Income Tax Planning12:07 Marriage Tax Allowance13:14 Reducing Net Income16:07 Dividend Allowance16:48 Capital Gains Tax Planning21:40 Inheritance Tax Planning23:47 Gifting Money Allowance29:17 Savings & Investment30:41 ISA Tax Allowance32:26 EIS & VCT Tax Allowance35:06 Investment Bonds Allowance36:52 Pension Tax Allowance Thu, 17 Mar 2022 02:21:12 +0000 https://feeds.soundcloud.com/stream/1233663982-themoneyplanner-episode-102-tax-allowances-for-your-year-end-tax-planning-in-2022.mp3 https://feeds.soundcloud.com/stream/1233662023-themoneyplanner-episode-101-what-is-inheritance-tax-and-what-tax-reliefs-are-available.mp3 Inheritance tax is becoming a concern to more and more people. A simple yet effective way of planning is to use exemptions and reliefs and use of the normal expenditure out of income exemption can be particularly useful.It is a fact that inheritance tax receipts are increasing and the number of families paying inheritance tax is now at a 35 year high. In 2009/10 2.6% of deaths gave rise to IHT. In 2015/16 this was 7.1%. And the expectation is that the tax receipts will increase still further with a prediction of £5.6 billion from tax year 2020/21.Inheritance tax is obviously affecting more estates and will continue to do so.Many people will be keen to take practical action that can reduce the impact of the tax without materially affecting their standard of living or financial security. Thu, 17 Mar 2022 02:15:28 +0000 https://feeds.soundcloud.com/stream/1233662023-themoneyplanner-episode-101-what-is-inheritance-tax-and-what-tax-reliefs-are-available.mp3 https://feeds.soundcloud.com/stream/1233656380-themoneyplanner-episode-100-how-much-do-you-need-for-your-retirement.mp3 How much is enough for you to retire? What’s your number?None of us are getting any younger and time flies faster as we age, so it’s important to plan ahead for retirement, a period of our life that could last 40 years.My wife gets frustrated with me when I spend more time planning our retirement than I do our summer holiday, but it’s a no - brainer... isn’t it?! We all have what I call a wealth window, a limited period of time to create the wealth to see us through our retirement.As this window gets smaller, it’s harder to climb through. If you have 10 years to go before you plan to retire, you have 120 more paydays to secure your retirement. Is that enough? Thu, 17 Mar 2022 02:04:12 +0000 https://feeds.soundcloud.com/stream/1233656380-themoneyplanner-episode-100-how-much-do-you-need-for-your-retirement.mp3