Join Kieran, Martin and Emma as they chat all things pensions, retirement planning and personal finance, exploring the key themes, choices and challenges that can shape your financial journey. Our aim is to make complex ideas easier to understand and spark conversations that matter.
Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd.
This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.
Kieran, Martin, and Emma analyze four real pension portfolios, revealing common mistakes and strategies for effective long-term investing in this interview.
23 Sept 2026
#11 – The Adviser Advantage
In this episode, Kieran, Martin and Emma explore what really changes when you stop managing your finances alone and start working with a financial adviser.
They discuss the worries many people carry - from lost pensions and messy paperwork to feeling behind or being afraid of making the wrong decision - and the relief that can come from finally having someone in your corner.
The conversation also looks at what advisers actually do beyond investments: bringing clarity, providing objectivity, helping people prioritise and creating a long-term plan.
As always, the focus is on keeping things clear, practical and easy to understand.
Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.
25 Aug 2026
#10 – When Life Doesn’t Go to Plan
In this episode, Kieran, Martin and Emma discuss what happens when life changes unexpectedly and the financial impact that can come with it. They explore the different forms financial shocks can take, from redundancy, illness and bereavement to more gradual changes such as caring for ageing parents, as well as positive but overwhelming events like receiving an inheritance or selling a business.
The conversation looks at the emotional side of these moments and why fear, guilt, overwhelm and responsibility can sometimes make clear financial decision-making more difficult. Drawing on real client experiences, they discuss how people can feel frozen or unsure of what to do next when circumstances change quickly.
They also explore how good financial planning can provide support during uncertain times, from building emergency funds and putting appropriate protection in place to using cashflow modelling to understand different “what if” scenarios. As always, the focus is on keeping things clear, practical and easy to understand, helping listeners feel more prepared and supported when life doesn’t go to plan.
Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.
15 Jul 2026
#9 – Money & Identity: How Your Story Shapes Your Financial Life
In this episode, Kieran, Martin and Emma explore the link between money and identity, and how our early experiences can shape the way we think, feel and behave around finances. They discuss how childhood, family attitudes, cultural expectations and past experiences can all influence the money habits we carry into adult life.
The conversation looks at three common money identities and explores how these can overlap and appear in real financial decisions. From being overly cautious or afraid to invest, to spending freely or putting off important decisions, they explain how our money story can affect everything from risk-taking and saving to trust and communication.
They also discuss how people can begin to rewrite unhelpful financial patterns through greater awareness, open conversations and small, intentional changes. As always, the focus is on keeping things clear, practical and easy to understand, helping listeners recognise their own money habits and make more confident financial decisions.
Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.
10 Jun 2026
#8 – Navigating Volatile Markets
In this episode, Kieran, Martin and Emma discuss what it really means to invest during periods of market volatility and why uncertainty in markets doesn’t always mean something has gone wrong. They explore why market movements can feel uncomfortable, how headlines and emotions influence decision-making, and why staying focused on long-term goals can often be more important than reacting to short-term events.
The conversation covers common investor behaviours during volatile periods, including the temptation to make emotional decisions, and shares real examples of how reacting to market movements can sometimes lead to unintended outcomes. They also explain concepts such as diversification, risk tolerance, and the difference between trying to time the market versus remaining invested over time.
As always, the focus is on keeping things clear, practical and easy to understand, helping listeners feel more informed and confident when navigating the ups and downs of investing.
Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.
15 May 2026
#7 – Understanding Inheritance Tax on Pensions
In this episode, Kieran and Martin discuss the proposed changes to inheritance tax on pensions and what they could mean for individuals and families planning for the future. They break down how pensions have traditionally been used as a tax-efficient way to pass on wealth, and why these changes could have a significant impact on estate planning going forward.
The conversation explores who may be affected, common misconceptions around pensions and inheritance tax, and some of the practical considerations people may want to think about when reviewing their financial plans.
As always, the focus is on keeping things clear, practical and easy to understand, helping listeners cut through the headlines and better understand the bigger picture around long-term planning.
19 Mar 2026
#6 – Building A £1 Million Pension Pot
In this episode, Kieran and Martin break down one of the most common financial goals - building a £1 million pension pot. They explain why it’s not a one-size-fits-all target, and why understanding your current position, earnings potential and retirement timeline is key.Using real-life style case studies, they highlight the impact of investment growth, inflation, and consistent contributions over time. They also discuss common mistakes, including being invested in the wrong funds for too long, and the importance of regularly reviewing your plan.The episode provides practical tips on how to boost your pension, from maximising employer contributions to making small mindset changes that can have a big long-term impact.
13 Feb 2026
#5 – Real Client Stories
In this episode, Kieran, Martin and Emma share real (anonymised) client stories that showcase the real impact of financial planning. They discuss challenging client situations, difficult retirement conversations, and how advice can help people navigate uncertain or complex financial decisions.They also explore why flexibility is key to any financial plan, share some of their favourite retirement success stories, and talk honestly about what happens when clients don’t follow advice. The episode finishes with their thoughts on what makes a strong, successful client relationship.
Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.
13 Jan 2026
#4 – Breaking Down The Autumn 2025 Budget
In this episode, Kieran and Martin take a clear, no‑nonsense look at the Autumn 2025 Budget and what the key changes could mean for people planning their financial futures. They talk about the headlines around tax‑free cash, before breaking down the main updates across personal taxes, pensions and business owners in a straightforward, practical way. They also explain why understanding the Budget matters, but why it shouldn’t distract from long‑term planning or stop people from making confident decisions about their future. It’s a simple, balanced conversation designed to cut through the noise.Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.
14 Nov 2025
#3 – What It Really Means to Be a WTW Client
In this episode, Kieran, Martin and Emma break down what it really means to be a client of Welsh & Taylor Wealth. We discuss the types of clients we typically work with, why they come to us, and how our independent approach allows us to build strategies tailored to real people - not products. We talk openly about our fees, our investment proposition, and why we focus on long-term relationships rather than transactional advice. Most importantly, we explain why we want clients involved in their planning, and how working together leads to better outcomes.Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.
24 Sept 2025
#2 – From Restricted to Independent: How We Took Back Control
In this episode, Kieran, Martin and Emma continue sharing our story by exploring the process of going independent. We discuss the steps involved, the hurdles we faced along the way, and the lessons we learned while building Welsh & Taylor Wealth as a directly authorised firm. It’s an honest look at the challenges behind the scenes and what it really takes to make the move.
Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.
24 Sept 2025
#1 – From Zero to £150M: How It All Began
In our very first episode, Kieran, Martin and Emma take you back to the beginning of our careers in the financial world. From our first steps into the industry, through the lessons learned along the way, we share how our paths eventually crossed and what led us to make the decision to go independent. This is the start of our story and the foundation of Those Pension Guys.
Disclaimer: Those Pension Guys is brought to you by Welsh & Taylor Wealth, a trading name of WTW Ltd. This podcast is for information purposes only and does not constitute personal financial advice. Listeners needing advice should seek support from an FCA-authorised adviser.
Inside a recent episode
#12 – Advisers React to Pension Portfolios
Published 28 Oct 2026 · Transcript excerpt
[…] In the first week that we were waiting for information, his portfolio had lost 190 grand. Now, the reason for that was that the asset classes they had held were what are called positively correlated. So what that means is that they all go up together and they all go down together. Now, if you're looking for what is a diversified portfolio, you should have some assets that are negatively correlated. So when you do the mathematics behind it, you can see when this goes up, this one will go down and vice versa, but it's balanced really across the board. He never had that. So it was one of these where I think this was the real jolt moment for him to think, I'm really not okay with doing this. […]
Pod Engine is an independent podcast discovery and analytics service and is not affiliated with or endorsed by this podcast. Artwork and show content belong to their owners. Full legal notice.
Explore this show Podcast research with Pod Engine
