Pete has been a financial planner for some 28 years and set up his podcast and YouTube channels to help as many people as possible get to grips with their finances - explaining “everything you need to know and everything you need to do” when it comes to financial planning.

Rob poses two scenarios - someone with enough money for their retirement and someone who hasn’t hit that mark as yet, and asks Pete what they could be focussing on to help them achieve their best life in retirement.

They also talk about:

• Setting out and dealing with changes to our financial plans - what’s in our control and what’s not

• The period in retirement that Pete has termed ‘The Danger Zone’

• Using software to forecast our future finances

• When and how to review our retirement plans 

• Dealing with the overwhelm that can come with making decisions about our retirement finances

• And the one message that Pete would like people to think about when it comes to their retirement planning.

Please note: In the podcast Pete talks about consolidating products to make things simpler - it is important to be aware of the terms of any products, in particular pensions, and fully research the options and implications when considering any consolidation – and preferably, seek the services of a regulated and qualified financial adviser to give you professional advice. 

Any financial decision needs to be comprehensively researched in order to be fully informed before taking any actions.

Find out more about Pete HERE:

Podcast: https://podcasts.apple.com/gb/podcast/the-meaningful-money-personal-finance-podcast/id581790263

YouTube: https://meaningfulmoney.tv/

Courses: https://meaningfulacademy.com/

Jacksons Wealth Management: https://www.jacksons.life/

IMPORTANT INFORMATION

Please note that the content in this podcast is for entertainment, and education only and does NOT constitute personal financial advice. Retirement planning, pensions and investments depend on your individual circumstances. The value of investments can fall as well as rise. Tax treatment depends on individual circumstances and may change. Retirement, pension and investment decisions should be based on individual circumstances and, where appropriate, regulated financial advice. 

The information provided in this podcast may not be applicable for you and we cannot be held responsible for the consequences of actions you take having listened to this podcast.

A KGR Media Services Ltd production.

When we think of weight loss we tend to think of dieting or lifting weights or pounding the streets or cycling - or all of those and more. 

But what if there was something we could do every day that could have more of an effect on our weight than formal exercise? 

That’s what we’re going to be talking about in this episode. Rob explains how it works and introduces a rather tenuous step back in time to revisit a song from the 1970s. 

Please note: If you are on a calorie restricted diet then please talk to a medical professional before undertaken any exercise or other movement that will reduce your calorie intake further. 

If you are interested in the science of NEAT, a good place to start is the paper written by Dr J. A. Levine, Professor of Medicine, Richard Emslander Professor of Nutrition & Metabolism, Endocrine Research Unit, Mayo Clinic - which you can find HERE>

Thank you to Les Gray (R.I.P), Rob Davis, Ray Stiles, Dave Mount (R.I.P) and also Nicky Chinn and Mike Chapman (R.I.P) - for giving us a bunch of fun, life-loving songs in that era of the 1970s. 

Here’s a link to a YouTube video of Mud performing Tiger Feet (with dance) - if you’re feeling curious or nostalgic. 

IMPORTANT INFORMATION

The content in this podcast is for entertainment, education and information only and is not intended to constitute or be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your doctor or other qualified health care provider with any questions you may have regarding your health or a medical condition, including supplements. Never disregard professional medical advice or delay in seeking it because of something you have heard on the podcast or on our website.

Before starting any form of exercise, check with your doctor or other qualified health care provider  to ensure you can exercise and what you can and can’t do.

The information provided in this podcast may not be applicable for you and we cannot be held responsible for the consequences of actions you take having listened to this podcast.

A KGR Media Services Ltd production.

So many of us tend to steer our money away from risk, preferring to stash our cash in cash ISAs and savings accounts.

The UK Government believes we should be taking more risk with our money – hoping we will invest in UK companies as well as achieve better returns for ourselves – and from 6 April 2027 are changing the ISA rules so that £8,000 of the £20,000 annual ISA allowance now has to be invested into a stocks and shares ISA*, meaning it is likely to be exposed to investment risk.

The question is, should investment risk be avoided or is it in fact something we should be using to help better fund our best life?

In this episode Rob talks to Ben Goss, CEO of Dynamic Planner, a company that has over 20 years experience of assessing and publishing risk values for investment funds.

They discuss Ben’s new book, “Funding happiness – How to fund the life you want at a risk that’s right for you”, written to help demystify investment risk for clients of financial advisers – and also why investment risk should not be feared as it is, and how that risk can be assessed and managed to help us find that happiness and achieve a fulfilling life.

You can find out more about Ben's book here.

* The new rules apply to investors under age 65. Investments can also be made into an Innovative Finance ISA, which includes peer-to-peer lending or debt-based securities. 

IMPORTANT INFORMATION
This content is for education and information purposes only, it is not, nor should it be construed as, personal financial advice. Past performance is not a guide to the future. You may not get back the amount originally invested, and tax rules can change over time. For financial advice please see a professional financial adviser.

A KGR Media Services Ltd production.

To discuss these issues we welcome back registered nutritional therapist Martina Cowen. 

Martina and Rob talk about:

• why we need variety in our diet and probably more than we are getting

• the nutritional value of more locally grown foods 
• the impact of food variety on our health and immune systems 
• processed foods and why they are not all bad for us 
• and how we can achieve the recommended 30 varieties of fruit and vegetables a week - and why we may not be far off achieving that in our diet already. 

We end with a couple of quick tips from Martina for upping our food variety which we can all achieve. 

You can find out more about Martina here: FreedomfromCravings.co.uk

If you like what we are doing with the podcast please do click on the follow button to be the first to hear about our next episode. We publish weekly, with the odd Bonus episode thrown in too.

Our thanks and appreciation to everyone who has followed the podcast to date. 

Take care of yourselves and we’ll see you in the next one. 

Important information

Please note that the content in the podcast is for educational and entertainment purposes only and is not intended to constitute or be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your doctor or other qualified health care provider with any questions you may have regarding your health or medical condition, including diet and supplementation. Never disregard professional medical advice or delay in seeking it because of something you have heard on the podcast.

A KGR Media Services Ltd production.

So, we thought we’d mark this milestone with a bonus episode, taking extracts from some of our first sessions to give people a flavour of what we’re doing with the podcast and maybe pique your interest in listening to any of those you might have missed.

If you are new to LiveYourBestLifeafter60 this is the perfect place to start.

You’ll hear from:

Connor Chatfield of Potential Personal Training on why exercise and coming to a gym doesn’t have to be intimidating and how once we start to exercise, we quickly move from thinking about how we look to thinking about how we feel 

Our resident nutritionist Martina Cowen, talking supplementation and which vitamins and minerals we may need to boost ourselves generally and in particular during winter.

In our first episode on personal finances we spoke to Jude Gardner about her new pension-demystifying service called When I’m…  Jude talks about why it’s never too late to get to grips with our pensions and our retirement planning. 

Episode 6 featured Chartered Financial Planner Rebecca Lucas. She talks about how she starts the conversation when people come to see her about their retirement plans.

In episode 10 we returned to talking about fitness and exercise, with Anna Banton, owner of route1fitness, who talked about resistance training, and why it is particularly important for us over 60-year-olds, and how when people come to the gym, they can surprise themselves about what they can achieve. 

Our final two clips come from what we are calling our Peace of Mind series, looking at actions we can take that once done, can give us the peace of mind that we’ve dealt with an important issue and we can then get on with living our best life. 

The first topic we dealt with was estate planning and inheritance tax, with more and more people finding the taxman knocking on their door. Here, Kristian Manton, Chartered Financial Adviser with Octopus Money, talks about the incidences of people having to pay IHT and the approach people can take to start examining whether or not their estates might be liable for this tax. 

Our last clip is from an interview with James Mabey, partner and private client solicitor at London law firm Winckworth Sherwood. We discuss the peace of mind can that come from having a well structured Will in place and one of the key areas of concern for people, which is making sure our assets go to the people we want to have them. 

Please note that the LiveYourBestLifeafter60 podcast is for educational purposes and information only, it is not personal financial, legal, health, medical, or fitness advice. For that you should seek appropriate help from regulated, qualified, professionals who can advise you on your individual circumstances. 

A huge thank you to everyone who has listened and subscribed to the podcast to date. 

If you like the what we are doing please do hit that follow button to be the first to learn about our new episodes. 

In the meantime, take care of yourselves and enjoy being in your 60s and beyond.

A KGR Media Services Ltd production.

To answer these questions and more, this episode Rob is joined by James Mabey, partner and private client solicitor at London law firm Winckworth Sherwood.

It seems fairly straightforward to set up a will – we write down what we want to happen, where and to whom we want our assets to go, and we get a couple of people to witness it. Job done. But as this conversation reveals, it is rarely as simple as that. There is plenty more to consider and if we get things wrong, we can leave part or all of our Will invalidated. 

This is another episode in what we’re calling our Peace of Mind series, where we look at areas which if we tackle them now, can give us the peace of mind that we’ve dealt with an important issue and we can get on with living our best life. 

James Maybe can be contacted at: JMabey@wslaw.co.uk

IMPORTANT INFORMATION

Please note that this episode is for general information only and does NOT constitute personal legal or financial advice.

A KGR Media Services Ltd production.

In this week’s conversation, Rob talks to Anna Banton, owner of Route1Fitness based in Crawley in Sussex. They discuss what resistance or strength training is, why it becomes more important as we get older and how much resistance training we should do post 60?

Anna tells how she moved from Sweden, where she was a nurse, and became a gym owner, and explains why resistance training is about growing stronger now while also preparing ourselves for the decades ahead - including why it’s good for our knees, backs and hips - and how Anna incorporates resistance training into programmes for her clients.

They also touch on society’s deep-rooted beliefs around female aesthetics and how gyms are empowering women to feel its okay to go to gym in their 60s and older and lift weights, which doesn’t mean bulking up.

And finally, why resistance training really is all about quality of life.  

You can find out more about Route1Fitness Here.

If you are enjoying the podcast please follow us on Apple and Spotify to keep up-to-date with everything we are doing and be the first to know when we publish the next episode.

Important note: Before starting any form of exercise, check with your doctor or other qualified health care provider to ensure you can exercise and what you can and can’t do.

A KGR Media Services Ltd production. 

In the Autumn 2025 Budget, the then UK Chancellor of the Exchequer moved the goalposts on pensions’ tax status, making pensions money unspent on death part of an individual’s estate and so potentially liable for inheritance tax - as of April 2027.

The number of people now liable for an IHT bill has been increasing every year, and the forecasts suggest many more are likely to see their beneficiaries landed with an IHT bill in the years ahead, with the tax allowance thresholds frozen until 2031.

In this episode Rob talks to Kristian Manton, a Chartered Financial Adviser from Octopus Money.

They discuss:

The effect of the recent changes for UK tax payers whose estates are likely to be liable for IHT. 

Recent research by Octopus Investments showing the potential monetary impact of tax planning as early as we can.

The importance of getting to grips with tax planning and having discussions with family about it.

The starting point for people in their 60s wanting to tackle this issue.

Some solutions a financial adviser might cover when talking about inheritance tax.

Further areas of which to be aware.

As Kristian points out in the interview, IHT is a tax that is an individual problem which requires an individual solution for every family. It is important to know whether you have a potential IHT issue and the evidence is that dealing with it as soon as possible can be beneficial. Where gifting, it is important to ensure we don’t give away more than we can afford to, bearing in mind known and potential needs, such as long term care costs – as once that money is gifted, it is gone and out of our control. IHT planning is a key area where having the help of a professional, qualified and regulated financial planner can be money well spent - especially where more complex entities such as tax-efficient investments and trusts are being considered.  

If you enjoyed the episode please do follow us to keep up-to-date on everything we do and join us next time for more conversations around living our best lives after 60.

To find out more about Octopus Money go to: https://www.octopusmoney.com

Find out How Inheritance Tax works: thresholds, rules and allowances on the GOV UK website here: https://www.gov.uk/inheritance-tax/gifts

Important note: Inheritance tax planning is a complex area of financial planning and this podcast is for information purposes only; this is NOT nor should it be construed as financial advice. If you think IHT will become an issue for you, do seek professional financial advice so you get the right solution for your particular circumstances. Tax treatment depends on individual circumstances and may change.

In the episode I proffer my thoughts on this question, covering what I mean by a Best Life, how I approached it in my own life, and what I wanted to bring to this podcast, in the hope that it would give people food for thought as to what their Best Life might look like for them.

And included is a killer question that we all should answer in our 60s.

The episodes on retirement referenced in the episode are: 

The Retirement Planning questions that really matter

Apple Podcasts

Spotify

Preparing for retirement - a personal journey

Apple Podcasts

Spotify

The conversation covers: 

• What protein is and why we need it

• Why we need more protein as we get older

• How much we need as we age; and 

• The best sources to get it from.

So both an insightful and practical episode this one. 

You may be surprised to learn of the range of sources we can call upon for protein to satisfy our nutritional needs.  

To discuss this topic, Rob welcomes back Registered Nutritional Therapist Martina Cowen.

If you’d like to listen to the previous conversation with Martina: Our changing nutritional needs and eating well after 60 you can do so here:

on Apple: https://podcasts.apple.com/gb/podcast/live-your-best-life-after-60/id6790416088?i=1000778621625

on Spotify: 

https://open.spotify.com/episode/1aHkL6IHIzAzPxvVIapOzZ?si=zPSp9EXFTaapgQ_8RnMyjg

You can find out more about Martina here.: FreedomfromCravings.co.uk

https://freedomfromcravings.co.uk/

Click here for Martina's starter guide: 3 powerful strategies for freedom from cravings

IMPORTANT INFORMATION

Please note that the content in the podcast is not intended to constitute or be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your doctor or other qualified health care provider with any questions you may have regarding your health or a medical condition, including supplements. Never disregard professional medical advice or delay in seeking it because of something you have heard on the podcast.

For many of us, retirement is stepping into unknown territory, so it’s important that we have our ducks in a row - the obvious one is ensuring our financial security but as Rob and Rebecca discuss, there are plenty of others too. 

The conversation ranges across 

• the importance of working out what retirement means to us 
• what to consider when calculating how much we will need in retirement
• the psychology of money and how we need to think differently in our retired years
• short and long term life planning
• spending patterns through retirement and how that affects our decisions
• Rebecca’s experience of clients a year on from retiring.

  If you enjoyed the episode please do follow us to keep up-to-date on everything we do and join us next time for more conversations around living our best lives after 60.

The ONS personal inflation rate calculator can be found here

If you are interested in preparing for your retirement years then other episodes you may want to listen to are:

Preparing for retirement - a personal journey

On Apple  

On Spotify

Pensions and better planning for our retirement

On Apple  

On Spotify

IMPORTANT INFORMATION

Please note that this episode is for general information only and does NOT constitute financial advice. Retirement planning, pensions and investments depend on your individual circumstances. We cannot be held responsible for the consequences of any actions you take having listened to this information. The value of investments can fall as well as rise. Tax treatment depends on individual circumstances and may change. Retirement, pension and investment decisions should be based on individual circumstances and, where appropriate, regulated financial advice. 

Hosts: Rob Kingsbury

A KGR Media Services Ltd production.

Rob and Jude discuss:

• Why we should be getting to grips as soon as possible with our retirement planning — especially if we’ve left it until our 60s

• The barriers to taking action on retirement planning that often put us off doing something about it?

• How we can better tackle our retirement planning. Good places to start.

• The challenges of the sandwich generation. 

• The importance for couples of planning together - and the dangers if we don’t. 

• State Pension entitlement and helpful places to start getting information

• One final tip

Find out more about Jude’s new WhenI’m service here: https://www.whenim.co.uk/

IMPORTANT INFORMATION

Please note that the content in the podcast and on our webpage is for general information only and does not constitute personal financial advice. Retirement planning, pensions and investments depend on your individual circumstances. The value of investments can fall as well as rise. Tax treatment depends on individual circumstances and may change. Retirement, pension and investment decisions should be based on individual circumstances and, where appropriate, regulated financial advice.

Their discussion centres around whether our nutritional needs change as we move into our 60s and beyond, if so how, and what action we can take to help ensure we are getting the best from our food. It covers, among other things:

The key element in ensuring we absorb the nutrients we need

The importance of good nutrition for muscle mass and bone health

The effects of good nutrients on our energy levels and cognitive health

Which vitamins and minerals become more critical for us in our 60s and beyond  

The make-up of a good plate of food to ensure we are getting the nutrients we need

The influence of environment on our digestion

Misconceptions around fats  

Supplementation - yes or no?

Putting on weight as we age

YOUR CHALLENGE THIS WEEK: Look at your plate of food and see if the proportions of protein, carbohydrates, fibre and fats match with what Martina suggests. 

Martina’s website: FreedomfromCravings.co.uk

Click here for Martina's Starter guide to 3 powerful strategies for freedom from cravings

IMPORTANT INFORMATION

Please note that the content in the podcast and on the webpage is not intended to constitute or be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your doctor or other qualified health care provider with any questions you may have regarding your health or medical condition, including diet and supplementation. Never disregard professional medical advice or delay in seeking it because of something you have heard on the podcast or on our website.

Please note that the content in the podcast and on this webpage is for general information only and does not constitute personal financial advice. Retirement planning, pensions and investments depend on your individual circumstances. The value of investments can fall as well as rise. Tax treatment depends on individual circumstances and may change. Retirement, pension and investment decisions should be based on individual circumstances and, where appropriate, regulated financial advice.

Before starting any form of exercise, check with your doctor or other qualified health care provider to ensure you can exercise and what you can and can’t do.

In this mini/solo episode, Rob looks in more depth at the importance of consistency of exercise, in particular for building and maintaining muscle and bone mass as we age, and offers some suggestions as to how we can be consistent, even when we’re not feeling it - including four ways he uses himself to ensure he is exercising regularly.

If you want to listen to the episode with Connor you can find it here:

Click here to listen on Apple Podcasts

Click here to listen on Spotify Podcasts

Thank you for listening and please do click on the Follow button to make sure you stay up-to-date on everything we do. It really helps the podcast to get traction too. So if you’re clicking on that button, thank you, it is very much appreciated.

IMPORTANT INFORMATION

Please note that the content in the podcast and on this webpage is for general information only and does not constitute personal financial advice. Retirement planning, pensions and investments depend on your individual circumstances. The value of investments can fall as well as rise. Tax treatment depends on individual circumstances and may change. Retirement, pension and investment decisions should be based on individual circumstances and, where appropriate, regulated financial advice.

Please note that the content in the podcast and on this webpage is not intended to constitute or be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your doctor or other qualified health care provider with any questions you may have regarding regarding your health or a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have heard on the podcast or on our website.

Before starting any form of exercise, check with your doctor or other qualified health care provider to ensure you can exercise and what you can and can’t do.

A KGR Media Services Ltd production.

Rob and Brian discuss:

When Brian started to think about retiring and whether there was a catalyst that set things in motion.

Why it was important to understand what retirement meant for him and his family

Working out the financial side and what caught him by surprise

How he started transitioning from work into retirement

Thinking about the adjustments to life that would come with retiring

Staying physically and mentally active after work

IMPORTANT INFORMATION

Please note that the content in the podcast and on the webpage is for general information only and does not constitute personal financial advice. Retirement planning, pensions and investments depend on your individual circumstances. The value of investments can fall as well as rise. Tax treatment depends on individual circumstances and may change. Retirement, pension and investment decisions should be based on individual circumstances and, where appropriate, regulated financial advice.

Rob and Connor talk about the importance and benefits of exercising in our 60s, particularly if we want to stay fit and healthy for as long as possible.

They tackle taking those first steps into the gym, the main benefit exhibited by people when they start to exercise (which isn’t what you might think it is), setting goals, how quickly you might see results, proving you can do it, the social side of exercising, and finding what works for you.

And they take all those reasons we give ourselves for not starting to exercise and show why they simply don’t hold water. No more excuses people!

Here’s a quick summary of the points they talk about:

Check with your doctor or other qualified health care provider to ensure you can exercise and what you can and can't do.

Start where you are - be realistic; don’t go into the gym and try to do what 20 year olds are doing, for example, you won't keep up!

Build slowly - it’s not a race, strength and fitness build over time and your body will need rest days (rest days are actually when muscle strength is built).

Be consistent - regular exercise is the way you will get results.

Enjoy exercising for what it is - its benefits for your health and fitness, and also the social life that can come with it.

Finally, you can exercise at home or if you can afford it at a gym, and for both of those seek guidance first on the exercises that are best for you and how to do them correctly. Or better still, use a personal trainer in a one to one, small or large group session, where you will get the guidance and accountability you need. 

Thank you for listening - if you like the episode do click that follow button to stay abreast of what we’re doing. And enjoy being in your 60s!

IMPORTANT INFORMATION

Please note that the content in the podcast and on this webpage is not intended to constitute or be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your doctor or other qualified health care provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have heard on the podcast or on our website.

Before starting any form of exercise, check with your doctor or other qualified health care provider  to ensure you can exercise and what you can and can’t do.

Are we as fit as we want to be? Are we as healthy as we'd like to be? And do we have the financial security that we'd want? And if we do, how do we maintain that? 

In this podcast, we are going to explore all those themes and more. And we'll look at some of the things we can do to help make the years ahead among some of our best and our most enjoyable yet. 

I’m a father and grandfather, a magazine editor with just shy of 30 years experience and at age 62 I trained and qualified as a Personal Trainer. I’ve also prepared for and stepped into the world of retirement.

I bring these living, breathing 60-plus experiences into the podcast, where I aim to combine my journalistic, PT and personal journeys together to give you some food for thought and maybe, inspire you to think what your best life might look like for you after 60 and how you might achieve it.

So please join me every week for some insightful and informative conversations as well as some lively discussions and we might just have some fun with it along the way.  

IMPORTANT INFORMATION

Please note that the content in the podcast and on this webpage is for general information only and does not constitute personal financial advice. Retirement planning, pensions and investments depend on your individual circumstances. The value of investments can fall as well as rise. Tax treatment depends on individual circumstances and may change. Retirement, pension and investment decisions should be based on individual circumstances and, where appropriate, regulated financial advice.

Likewise, please note that the content in the podcast and on this webpage is not intended to constitute or be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your doctor or other qualified health care provider with any questions you may have regarding your health or a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have heard on the podcast or on our website.

Before starting any form of exercise, check with your doctor or other qualified health care provider  to ensure you can exercise and what you can and can’t do.