Channel Title: Matt Routledge Channel Description: I am an Independent Financial Adviser & Planner in the UK who makes videos about money, retirement planning and personal finance. DISCLIAMER - The contents on this channel is for information and entertainment purposes and not financial advice. You must thoroughly research any potential financial or investment decision and fully understand the risks before taking it. If in doubt, you should seek individual advice from a professional adviser. <video> Final Salary / Defined Benefit Pension Income Explained - Part 2 Description: Ever wondered how defined benefit or final salary pension income works? 💸 In this video, I break down how they guarantee a steady retirement income based on your salary and years of service. Looking to work with an Independent Financial Adviser? - 👨‍💻🎯📊 I am a FCA-regulated, Independent Financial Adviser & Planner in the UK. I help people reach their financial goals, ensuring they are prepared for retirement. If you would like to have an initial chat, please book a call with me on the below: https://calendly.com/matt-mw/ </video> <video> Final Salary / Defined Benefit Pension Income Explained - Part 1 Description: Ever wondered how defined benefit or final salary pension income works? 💸 In this video, I break down how they guarantee a steady retirement income based on your salary and years of service. Looking to work with an Independent Financial Adviser? - 👨‍💻🎯📊 I am a FCA-regulated, Independent Financial Adviser & Planner in the UK. I help people reach their financial goals, ensuring they are prepared for retirement. If you would like to have an initial chat, please book a call with me on the below: https://calendly.com/matt-mw/ </video> <video> RSUs (Restricted Stock Units) Explained: Part 2 Description: 💼💡 What are RSUs (Restricted Stock Units) in the UK? They’re company shares given to you, but with a catch—you usually need to stay with the company for a set time before they ‘vest.’ Once they vest, you own them! 📈 You pay tax when they vest which I'll be covering in a future video. RSUs are a great way to grow wealth while staying loyal to your company! 💰📊 🙋‍♂️ I'm an Independent Financial Adviser and Planner in the UK who posts finance, investing, pensions and tax tips, follow for more! *This content is for informational and entertainment purposes only and should not be construed as financial advice. Always do your own research and where needed consult a professional before making any investment decisions. </video> <video> What is a UK Annuity? Description: Annuities Explained UK - 💡 What’s an Annuity? 💰🕰️ An annuity is a product that turns your pension savings into a guaranteed regular income for life! 🎉 How it works: Use some or all of your pension pot 💼 Get a fixed income for the rest of your life 🔒 No matter how long you live, you’ll keep receiving that cash flow! 💷 ⚠️ You can’t change your mind once you buy one, so choose carefully! Looking to work with an Independent Financial Adviser? - 👨‍💻🎯📊 I am a FCA-regulated, Independent Financial Adviser & Planner in the UK. I help people reach their financial goals, ensuring they are prepared for retirement. If you would like to have an initial chat, please book a call with me on the below: https://calendly.com/matt-mw/ </video> <video> How to reduce tax paid on UK RSUs Description: 💸 Got RSUs? You might be paying more tax than you need to! Contributing to your pension can help reduce the tax you pay on those stock options. In the UK, your pension contributions lower your taxable income, which means less tax on your RSUs. Smart planning today = more savings tomorrow! 💰 Looking to work with an Independent Financial Adviser? - 👨‍💻🎯📊 I am a FCA-regulated, Independent Financial Adviser & Planner in the UK. I help people reach their financial goals, ensuring they are prepared for retirement. If you would like to have an initial chat, please book a call with me on the below: https://calendly.com/matt-mw/ </video> <video> What happens to your pension when you die? Description: Pension Death Benefits for a Defined Contribution Pension Explained 1️⃣ If you're under 75: Your loved ones can inherit your pension tax-free 💰 They can take a lump sum or continue it as regular payments. 2️⃣ If you're over 75: Your pension can still be passed on, but beneficiaries may pay income tax on what they receive. 3️⃣ You can choose who gets it: Make sure to nominate your beneficiaries! 👨‍👩‍👧‍👦 Don't forget to review your pension, and make sure it aligns with your wishes! Need Financial Advice or Planning? - 👨‍💻🎯📊 I am a FCA-regulated, Independent Financial Adviser & Planner in the UK. I help people reach their financial goals, ensuring they are prepared for retirement. To have an initial no-obligation or cost chat, please book a call with me on the below: https://calendly.com/matt-mw/30min </video> <video> RSU Tax UK Explained - Part 1 Description: RSUs & UK Taxes Explained Part 1: When your Restricted Stock Units (RSUs) vest, they’re subject to Income Tax and National Insurance based on the market value at vesting. 📊 When you sell the shares, you may also owe Capital Gains Tax, but only on any increase in value from the time they vested 💰 Looking to work with an Independent Financial Adviser? - 👨‍💻🎯📊 I am a FCA-regulated, Independent Financial Adviser & Planner in the UK. I help people reach their financial goals, ensuring they are prepared for retirement. If you would like to have an initial chat, please book a call with me on the below: https://calendly.com/matt-mw/ </video> <video> Pension Tax Relief - Don't Miss Out! Description: If you're near or approaching retirement, don't miss out on pension tax relief! Looking to work with an Independent Financial Adviser? - 👨‍💻🎯📊 I am a FCA-regulated, Independent Financial Adviser & Planner in the UK. I help people reach their financial goals, ensuring they are prepared for retirement. If you would like to have an initial chat, please book a call with me on the below: https://calendly.com/matt-mw/ </video> <video> 2024 State Pension UK Explained Description: Wondering how the UK State Pension works? 💰 Here's a quick breakdown of what you need to know about eligibility, how much you could get, and when you can claim it! 🏦 </video> <video> RSUs (Restricted Stock Units) Explained: Part 1 Description: 💼💡 What are RSUs (Restricted Stock Units) in the UK? They’re company shares given to you, but with a catch—you usually need to stay with the company for a set time before they ‘vest.’ Once they vest, you own them! 📈 You pay tax when they vest which I'll be covering in a future video. RSUs are a great way to grow wealth while staying loyal to your company! 💰📊 🙋‍♂️ I'm an Independent Financial Adviser and Planner in the UK who posts finance, investing, pensions and tax tips, follow for more! *This content is for informational and entertainment purposes only and should not be construed as financial advice. Always do your own research and where needed consult a professional before making any investment decisions. </video> <video> The Average UK Pension: Is it Enough to Support You in Retirement? Description: Looking to work with an Independent Financial Adviser? - 👨‍💻🎯📊 I am a FCA-regulated, Independent Financial Adviser & Planner in the UK. I help people reach their financial goals, ensuring they are prepared for retirement. If you would like to have an initial chat, please book a call with me on the below: https://calendly.com/matt-mw/ In this video, I look at the average UK pension across different ages. Using the average pension amounts I test it against historical scenarios to assess whether this is sufficient to support an average retirement. 00:00 Intro 01:00 Average UK Pension Pot Sizes 02:49 Retirement Income for an Average Couple 06:08 Retirement Income for an Average Single Person 07:54 How other Factors affect your Retirement Income UK Pension Data: https://www.ons.gov.uk/peoplepopulationandcommunity/personalandhouseholdfinances/incomeandwealth/datasets/pensionwealthwealthingreatbritain *** DISCLAIMER *** The content in this video is provided for information and entertainment purposes and not financial advice. You must thoroughly research any potential financial or investment decision and fully understand the risks before taking it. If in doubt, you should seek individual advice from a professional adviser. </video> <video> The 5 Most Important Money Lessons I Learned from 1,000+ Conversations Description: Need Financial Advice or Planning? - 👨‍💻🎯📊 I am a FCA-regulated, Independent Financial Adviser & Planner in the UK. I help people reach their financial goals, ensuring they are prepared for retirement. To have an initial no-obligation or cost chat, please book a call with me on the below: https://calendly.com/matt-mw/30min In this video, I'll share the 5 most important money lessons I've learned from having over 1,000 conversations with people about their finances. Whether you're saving, investing, or budgeting, these lessons will help you better manage your money and secure your financial future! 00:00 Intro 00:43 Lesson 1 - Planning 02:45 Lesson 2 - Attitude to Money 04:47 Lesson 3 - Avoid Shiny Objects 06:29 Lesson 4 - Time 08:47 Lesson 5 - Discipline 09:35 Changing your situation *** DISCLAIMER *** The content in this video is provided for information and entertainment purposes and not financial advice. You must thoroughly research any potential financial or investment decision and fully understand the risks before taking it. If in doubt, you should seek individual advice from a professional adviser. </video> <video> RSU Tax UK Explained - Part 2 Description: RSUs & UK Taxes Explained Part 2: When your Restricted Stock Units (RSUs) vest, they’re subject to Income Tax and National Insurance based on the market value at vesting. 📊 When you sell the shares, you may also owe Capital Gains Tax, but only on any increase in value from the time they vested 💰 Looking to work with an Independent Financial Adviser? - 👨‍💻🎯📊 I am a FCA-regulated, Independent Financial Adviser & Planner in the UK. I help people reach their financial goals, ensuring they are prepared for retirement. If you would like to have an initial chat, please book a call with me on the below: https://calendly.com/matt-mw/ </video> <video> Workplace Pension Tax Relief Explained Description: </video> <video> RSU Tax UK Explained - Part 3 Description: RSUs & UK Taxes Explained Part 3: When your Restricted Stock Units (RSUs) vest, they’re subject to Income Tax and National Insurance based on the market value at vesting. 📊 When you sell the shares, you may also owe Capital Gains Tax, but only on any increase in value from the time they vested 💰 Looking to work with an Independent Financial Adviser? - 👨‍💻🎯📊 I am a FCA-regulated, Independent Financial Adviser & Planner in the UK. I help people reach their financial goals, ensuring they are prepared for retirement. If you would like to have an initial chat, please book a call with me on the below: https://calendly.com/matt-mw/ </video>

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I am an Independent Financial Adviser & Planner in the UK who makes videos about money, retirement planning and personal finance.

DISCLIAMER - The contents on this channel is for information and entertainment purposes and not financial advice. You must thoroughly research any potential financial or investment decision and fully understand the risks before taking it. If in doubt, you should seek individual advice from a professional adviser.

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