Debunking the myths around financial planning, Marcus Maisey and Gary Cretton use decades of experience to take deep dives into the financial planning questions which matter to you.
This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.
Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.
What does it really take to run a modern football club, beyond what supporters see on a Saturday afternoon?
Recorded at Kenilworth Road, this special edition of Let’s Talk Finance sees Gary Cretton and Marcus Maisey joined by Luton Town CFO Tom Schofield and Senior Finance Manager James Turner to explore the financial realities behind the game. From budgeting and regulation to the sharp contrasts between leagues, the conversation reveals how strategy and sustainability shape day-to-day decisions.
At the centre is Power Court, the club’s new stadium development, and the long-term planning required to deliver it. More than a building project, it represents an investment in the club’s future, its community and its identity.
This episode offers a measured look at the balance between ambition and responsibility, and how careful financial thinking underpins performance, stability and a club built to last.
Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.
28 Nov 2025
Autumn Budget 2025 - Beyond the Budget Headlines
In this special Budget edition of Let’s Talk Finance, Gary and Marcus cut through the speculation and noise to focus on what the Autumn Budget really means for your money.
With rumours swirling in the days before the statement, they explain which changes actually landed, which never materialised, and why this Budget is best understood as a slow-burn set of reforms rather than a sudden shock.
They explore the quiet impact of frozen income tax thresholds, why fiscal drag will affect far more people than many expect, and how pensions remain one of the most powerful planning tools despite years of headline anxiety. From salary sacrifice and childcare thresholds to tax-free cash, ISAs, dividend tax and savings income, this episode brings clarity to some of the most misunderstood areas of personal finance.
There is also a close look at property and rental taxation, the new high-value homes surcharge, and the sudden change to employee-owned trust exits for business owners. Finally, Gary and Marcus return to inheritance tax, outlining what did not change, what remains in motion, and what families should now be doing before future reforms arrive.
Measured, practical and grounded in real-world planning, this episode is about replacing fear with facts and using the next twelve months wisely.
To discuss your own circumstances, visit kdw.co.uk (https://kdw.co.uk/) or speak to an independent financial adviser.
Disclaimer: This podcast is for information only. Please seek independent financial advice tailored to your personal situation.
For tailored advice and support, visit kdw.co.uk (https://kdw.co.uk/) or come and see us in the heart of St Albans.
Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.
28 Apr 2025
Spring Statement
In this episode, Gary and Marcus discuss the implications of the Spring Statement for pensions, inheritance tax, and estate planning. With pensions set to be included in estates for inheritance tax purposes from 2027, many long-standing strategies are being reconsidered.
They explore how financial planning has shifted, why reviewing your income and asset structure is now essential, and what steps you can take to reduce your exposure to inheritance tax.
Key points covered;
Pensions and IHT – Why pensions may no longer be the most efficient way to pass on wealth.
Estate structure – The growing importance of giving assets away during your lifetime.
Business Property Relief – What’s changing in 2026, and how it can still play a key role.
Generational planning – Involving family in your financial decisions to protect long-term wealth.
Legal considerations – The role of wills, marriage, and power of attorney in effective planning.
With tax rules evolving and thresholds frozen, proactive planning is more important than ever. The earlier you review your position, the more options you’ll have to protect your estate.
To discuss your own circumstances, visit kdw.co.uk (https://kdw.co.uk/) or speak to an independent financial adviser.
Disclaimer: This podcast is for information only. Please seek independent financial advice tailored to your personal situation.
For tailored advice and support, visit kdw.co.uk (https://kdw.co.uk/) or come and see us in the heart of St Albans.
Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.
9 Apr 2025
Liberation Day
In this episode, Gary and Marcus discuss the dramatic impact of Donald Trump’s declaration of “Liberation Day” on global financial markets. With sudden tariffs and international uncertainty, investors are understandably nervous. But is this a time for panic, or perspective?
Drawing on their decades of experience and client conversations, they offer calm, expert insight into what this kind of market turbulence means - and how to respond with confidence, not fear.
Key Topics Covered
Trump’s “Liberation Day” and its immediate impact on global markets
The role of shock events in investment cycles
Why staying invested is often wiser than cashing out during volatility
Understanding tariffs and their implications for business and trade
The importance of having a clear investment objective
How diversification and active fund management help manage risk
Market history: COVID, inflation, and the resilience of long-term portfolios
The value of phased investing (pound cost averaging) during uncertain times
The emotional side of investing and managing client confidence
Disclaimer: This podcast is for information only. Please seek independent financial advice tailored to your personal situation.
For tailored advice and support, visit kdw.co.uk (https://kdw.co.uk/) or come and see us in the heart of St Albans.
Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.
31 Oct 2024
2024 AUTUMN BUDGET SPECIAL
Join Gary and Marcus as they sit down just a few hours after The Autumn Budget to explore how it affects you and your money.
How will the changes to Inheritance Tax impact on you and your family? What will happen with your pension when you die and how will it now be taxed? What is the impact of the changes in Capital Gains Tax levels? How will businesses be affected by the new rules? Will you have to rethink your financial planning strategy?
All the answers are in this episode, as Marcus and Gary give their hot take on what was announced in Parliament on Wednesday afternoon.
If you enjoy this series, please do take a moment to leave a rating or a review.
For more information, head to www.kdw.co.uk (http://www.kdw.co.uk/)
This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.
Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.
11 Apr 2024
[Ep 6] EQUITY RELEASE - Should you pay off your mortgage?
Debunking the myths around financial advice, in this episode Marcus and Gary take a deep dive into Equity Release, asking if you should pay off your mortgage?
Equity release has had a bad name in the past, and often rightly so, but with new products and planning techniques there can be occasions when this is suitable for your financial planning.
What is Equity Release? What are the biggest misconceptions around Equity Release? Will you lose your home? Can you end up with negative equity? Aren’t I too old to take out a mortgage?
If you enjoy this series, please do take a moment to leave a rating or a review.
For more information, head to www.kdw.co.uk (http://www.kdw.co.uk)
This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.
A Boutique Broadcast production for KDW Financial Planning
Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.
11 Apr 2024
[Ep 5] PROTECTION - Is life cover a waste of money?
Debunking the myths around financial advice, in this episode Marcus and Gary tackle the complex question of protection, and ask whether life cover is a waste of money?
Nobody wants to think about protection and life cover, but the consequences of burying your head in the sand can be far worse. If you have anyone depend on you, particularly if you have a young family, protection is often the first consideration for financial planning.
What covers are available? What is the difference between life cover, critical illness cover and income protection? What is family income benefit? How do you choose the best provider?
If you enjoy this series, please do take a moment to leave a rating or a review.
For more information, head to www.kdw.co.uk (http://www.kdw.co.uk)
This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.
A Boutique Broadcast production for KDW Financial Planning
Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.
11 Apr 2024
[Ep 4] MORTGAGES - Does your mortgage work for you?
Debunking the myths around financial advice, in this episode Marcus and Gary talk about mortgages, and ask, “Does your mortgage work for you?”.
What are the different types of mortgage, what is the difference between fixed rate and tracker mortgages? How much can you borrow? How do you get a mortgage? Should you go direct to a bank or building society or should you get independent financial advice? Should you pay of your mortgage as quickly as possible?
If you enjoy this series, please do take a moment to leave a rating or a review.
For more information, head to www.kdw.co.uk (http://www.kdw.co.uk)
This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.
A Boutique Broadcast production for KDW Financial Planning
Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.
11 Apr 2024
[Ep 3] INHERITANCE TAX AND TAX PLANNING - Should I put my house in my children's names?
Debunking the myths around financial advice, in this episode Marcus and Gary explain the key issues around inheritance tax (IHT) and tax planning.
When does IHT need to be paid, and how can you reduce it? Is it legal and moral to mitigate inheritance tax? Are married couples always exempt from IHT? Are foreign assets exempt from UK inheritance tax? Should I put my house in my children’s name?
If you enjoy this series, please do take a moment to leave a rating or a review.
For more information, head to www.kdw.co.uk (http://www.kdw.co.uk)
This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.
A Boutique Broadcast production for KDW Financial Planning
Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.
11 Apr 2024
[Ep 2] INVESTMENTS - Should I invest in an ISA or a pension?
Debunking the myths around financial advice, in this episode Marcus and Gary talk talk about investments and take a deep dive into the difference between ISAs and Pensions, asking whether you should invest in one or the other?
What is the difference between cash investments and stock market investments? Is it risky to invest in stocks and shares? Should I invest in property? Where and how do I begin? Should I diversify my portfolio?
And the big question - is it better to invest in an ISA or a pension?
If you enjoy this series, please do take a moment to leave a rating or a review.
For more information, head to www.kdw.co.uk (http://www.kdw.co.uk)
This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.
A Boutique Broadcast production for KDW Financial Planning
Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.
11 Apr 2024
[Ep 1] PENSIONS - How much do YOU need to retire?
Debunking the myths around financial advice, in this episode Marcus and Gary talk talk about penstions, asking “How much do YOU need to retire?”.
They explore common misconceptions around pensions, ask when you should (and shouldn’t) be paying into a pension, look at the role of financial advisors in planning your pensions and ask the 5 most Googled questions about Pensions.
If you enjoy this series, please do take a moment to leave a rating or a review.
For more information, head to www.kdw.co.uk (http://www.kdw.co.uk)
This podcast series is intended solely for general information purposes and should not be considered financial advice. The products discussed may not be suitable for everyone’s individual circumstances. Please ensure you seek independent financial advice before making a decision.
A Boutique Broadcast production for KDW Financial Planning
Hosted on Acast. See acast.com/privacy (https://acast.com/privacy) for more information.
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