Women & Money Cafe

We all reach a point when the pension statement arrives. We feel the need to do something about it. Maybe you’ve googled financial advisers.
We’re going to walk you through what happens when you go to see a financial adviser about your pension.

There’s something important we want you to know, no matter how big or how small your pension is, we’re here to help. Your pension matters because you matter.

Some of the things we cover:

• How to find a financial adviser
• What happens in the first meeting
• What to bring with you to the meeting
• What we’re looking at in the paperwork
• How we will explain your pensions to you
• What happens at the end of the meeting

Resources:
Pension Wise
Pension Tracing Service
VouchedFor
Unbiased

YOUR HOSTS:
Catherine Thomas-Humphreys is an Award Wining Financial Coach and Family Will Writer. Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.

She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.

The Finfluencer | Finfluence | Instagram

Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive her. She uses her years of experience and research to support women experiencing or planning significant change in their lives.

Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.

Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram

Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.

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We revisited in this Episode one of our Clubhouse favourites - Intentionality!
We explored what getting intentional with your money means and looks like, the importance of having Purpose with all of your money whether spending, saving or investing and the impact thee intentions can have in your financial success.
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Your hosts today were money experts Catherine Thomas Humphreys and Julie Flynn and were joined by Café experts Emily Pool & Tsitsi Mutiti
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Catherine is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.

She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself and those you love. Website | Instagram

Julie is an independent financial planner and certified financial coach. Years of qualifications and research have led Julie to have a unique understanding of how our brains behave under stress, and how this impacts on our financial decision making and well-being.

Julie works with women experiencing or planning significant change in their lives. She founded Ebb & Flow Financial Coaching last year, where she focusses on her work with women who have lost their partner. She also coaches women wanting to change how they charge for their services. Website | Instagram
Emily is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values
Tsitsi is an award-winning Investment Manager, Certified Financial Coach and the host of The Wealth Conversation Podcast.

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We’d love to hear your thoughts on today’s episode and any questions you have.
You can send us a message or voice note to [email protected]
Join the community on Facebook @womenandmoneycafe www.womenandmoney.cafe

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✅ And if you enjoyed the show, please leave us a review.

We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions.

We discuss the age-old dilemma of whether to overpay your mortgage or not.
- Debt management: Understanding the importance of addressing other debts before focusing on your mortgage.
- Establishing an emergency fund: The significance of having a financial cushion for unexpected expenses.
- Mortgage provider policies: Exploring the limitations and potential penalties for overpaying your mortgage.
- Calculating the interest rate differentials: Michelle walks through the math behind comparing mortgage interest rates and savings rates to determine the most effective use of your money.
- Setting up overpayments: Practical tips on setting up regular overpayments and the benefits of automation.
- Offset mortgages: Michelle explains the nuances of offset mortgages and the considerations when deciding on overpayments.
Resources:
- Debt Payoff Calculator
- Sprive app
- MSE website
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.

Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.

Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook

Support the show

✅ And if you enjoyed the show, please leave us a review.

We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions.

Welcome to Women & Money Cafe, where we explore all things finance through the lens of women. In today's solo episode, we'll be diving into the topic of multi-asset funds.
First, let's talk about what a multi-asset fund actually is. As the name suggests, it's a fund that includes multiple assets, such as stocks and shares, bonds, property and commodities, blended together to create different levels of portfolio risk. By investing in multiple assets, we can help to reduce risk and achieve more predictable returns.
So why would you invest in multi-asset funds? Well, for starters, they're designed to help manage risk and provide broad diversification. A multi-asset fund contains a variety of assets that are managed by a fund manager, who is responsible for keeping the risk level appropriate by buying and selling different assets as needed. This means that investors only need to determine their desired risk level and buy the appropriate fund while the fund manager takes care of the rest.
When investing in a multi-asset fund, there are two types to consider. The first is active, where a fund manager chooses investments daily and aims to outperform the market index. Alternatively, there are passive multi-asset funds, which have lower management fees and buy tracking funds to follow the index.
When choosing a multi-asset fund there are different factors to consider such as an existing pension or starting with an ISA. It's important to look out for keywords such as managed, portfolio, active, passive, cautious, moderate, balanced, or adventurous.
And while stocks and shares typically make the most money over time, other assets such as bonds, guilts, and property, are included in the fund to help balance risk and volatility. Asset allocation refers to deciding how much of the fund is allocated to each asset, with stocks and shares being the asset class with the greatest impact on the level of risk and volatility.
Ultimately, multi-asset funds are a great option for anyone looking to manage risk and achieve diversified returns while investing. By letting a fund manager handle the assets and making allocations based on your desired risk levels, it's a low-maintenance option that can save you time and stress in the long run.
That's it for this solo episode of Women & Money Cafe. Be sure to tune in next week as we'll be discussing a brand new topic with a special guest. As always, thanks for listening and see you next time!
YOUR HOST

Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.

Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram

Support the show

✅ And if you enjoyed the show, please leave us a review.

We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions.

What is a financial plan? And do you need one?

Julie & Catherine are going to walk you through the 3 steps to building your own financial plan. You can make it as complicated as you want, or you can keep it to one page.

To us, the plan is a like road trip across Europe. We may not have a fixed destination, but we have lots of things we want to see along the way.

1. What is important to you
2. Start to shape your goals
3. Plug in the numbers

Along the way we’ve made up some golden rules. The 1st one is that the plan is not about perfection. Don’t get hung up on precise details.
Rule number 2 is remember this is about guessing, so it will not turn out exactly as you planned at the beginning. And that’s ok, because most of us change as we go through life.
Rule number 3, money is not your only commodity. You have time and talent!
4.23 Rule 3 explained
7.49 what is a financial plan
11.40 questions to help you with step 1
14.42 how the goals emerge from step 1
25.48 recap of the questions to ask yourself
27.43 Moving from step 2 to step 3
35.26 The numbers
42.30 Calculate your net worth
46.52 Another golden rule

Grab a copy of our One Page Plan as a PDF or word doc.
The savings plan section of this Calculator can do all of the numbers you need for step 3

YOUR HOSTS:Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.

She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.

Financial coaching - The Finfluencer
Catherine’s bitesize money wisdom - Instagram

Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.

She uses her years of experience and research to support women experiencing or planning significant change in their lives.

Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.

Financial coaching - Ebb & Flow
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram

Support the show

✅ And if you enjoyed the show, please leave us a review.

We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions.