The Finance Geeks Podcast

Supporting children while caring for ageing parents has become a reality for many families. This is the first of a two-part series. In this episode of The Finance Geeks, Warren Shute and Paul Cleworth unpack the growing challenges faced by the sandwich generation, exploring how more people than ever are finding themselves squeezed between two generations of family responsibility.

They examine the financial strain, emotional pressur...

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth continue the conversation in part two of their deep dive into the 2027 pension and inheritance tax changes. If part one set the scene, this episode explores what happens when those changes start to interact — and where the real impact begins to show for financial planning.

They take a closer look at how pensions, inheritance tax and wider estate strategies d...

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth kick off the first part of a two-part conversation, unpacking the upcoming pension and inheritance tax changes arriving in April 2027 and why they matter more than many people realise.

With the rules around pensions and estate planning set to shift, they explore what’s changing and how it could impact the way wealth is passed on to the next generation.

They ...

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth climb aboard the markets at cruising altitude to tackle a question that always comes up when things are flying high: should investors be worried? With headlines shouting about record levels, it’s easy to feel like a drop could be just around the corner. But is that fear justified, or are investors simply reacting to being at new heights?

They unpack what all...

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth explore how financial planning goes far beyond numbers. They discuss the importance of aligning wealth with what truly matters to clients, helping them build a life of purpose, not just a bigger portfolio. Whether someone is early in their career or approaching retirement, the question remains the same: what is all this for?

The conversation introduces the idea of...

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth explore how artificial intelligence is starting to reshape the financial planning profession. From speeding up research to improving efficiency, they break down where AI is already making an impact and why it’s becoming harder for planners to ignore.

The conversation looks at both sides of the equation. On one hand, AI can automate repetitive tasks, enhance ...

In this episode of The Finance Geeks, Paul and Warren dive into what is described as one of the hardest challenges in financial planning: helping people move from building wealth to actually enjoying it.

While accumulation is often driven by clear goals, structure and habit, the shift to spending and living can feel far less certain. The conversation explores why this transition is so difficult, and why many people struggle to let ...

In this special episode of The Finance Geeks, Paul and Warren bring a live session recorded in collaboration with the Personal Finance Society, delivering the kind of high-energy, practical discussion they’re known for. Drawing on decades of experience building successful financial planning businesses, they share what’s helped them generate strong growth while still maintaining a genuine balance between work and life. T...

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth break down the formula behind why intelligent people often make poor financial decisions. They explore the key ingredients, including ego, overconfidence and hindsight bias, and how these can distort even the most rational thinking.

The conversation looks at how behavioural factors like recency bias, anchoring and herd behaviour influence decisions, particularly i...

In this episode of The Finance Geeks, Warren and Paul explore one of the ongoing challenges of financial planning: trying to create long-term strategies in a world where the rules keep changing. From shifting tax policies to evolving pension legislation, the conversation looks at how advisers can guide clients through uncertainty while keeping plans focused on what really matters.

The geeks discuss recent developments around pensio...

What happens when you’ve trained for years, crossed the finish line of financial freedom… and realise the road keeps going?

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth explore what comes next after the traditional markers of success have been ticked off. If income, assets, and independence were the race you were running, what happens when the medal is around your neck? This conversation examine...

In the first episode of Season 4, Warren Shute and Paul Cleworth tackle the question clients are always asking, even when they don’t say it out loud: “Will I be OK?”

This isn’t a spreadsheet question. It’s an emotional one.

Clients don’t want certainty or perfect predictions. They want reassurance they can trust, delivered with honesty. They want to know they’re not lost, that they can orie...

In this episode, Warren Shute and Paul Cleworth deliver a post-Budget forecast tailored for financial planners. With the dust settling after Rachel Reeves’ first Autumn Budget, they break down what’s changing — and what isn’t — across taxation, pensions, welfare, and public spending. It’s not just about the announcements, but the implications for client conversations and strategic planning.

They ...

In this episode of The Finance Geeks, Warren Shute and Paul Cleworth unpack the often-overlooked world of inheritance tax planning. With IHT thresholds frozen and the value of estates rising, they explore the real impact this has on clients — and the critical role advisers play in helping reduce the burden.

From early-stage planning to knowing when to act, they emphasise that mitigating inheritance tax is less about clever tr...

In this episode of The Finance Geeks, Paul and Warren explore the treasure-filled dungeons of client finances — where large cash reserves are tucked safely away, guarded by caution and a desire for security. With interest rates offering a short-term haven and market headlines often sounding alarm bells, it’s no surprise many clients prefer the comfort of cash. But is that the best long-term plan?

From risk aversion and ...

In this episode of The Finance Geeks, Paul Cleworth and Warren Shute fire up the speculation engine ahead of the Autumn Budget 2025. With the economic pressure mounting and a fiscal gap to fill, they explore the rumours and forecasts swirling around Rachel Reeves’ first major fiscal statement — and what financial planners should be doing right now to prepare.

From possible changes to capital gains tax, inheritance tax, ...

In this episode of The Finance Geeks, Paul and Warren pull on their running shoes and take on the longevity challenge — asking what it really means to financially plan for clients who might live to 100 (or beyond). The traditional retirement playbook is being stretched, and planners can’t assume the finish line is fixed at 65 plus 20 years. So, what changes when the race is longer than we ever trained for?

They explore ...

In this episode of The Finance Geeks, Paul and Warren climb aboard the topic of annual reviews and ask whether this long-standing part of the planning timetable is still on the right track — or whether the whole process is starting to run out of steam. Are these meetings still a valuable stop on the client journey, or just a legacy carriage rolling along out of habit?

Rather than sticking to a fixed schedule for the sake of t...

In this episode, Paul and Warren step into creative territory, asking a big question that’s facing more and more financial planners: should content creation be part of your role in 2025? With digital platforms becoming the first place clients look for credibility and connection, planners are increasingly expected to show up — not just with technical knowledge, but with a voice, a message, and a way to share it.

But does...