It is reported that two million people currently own shares in their employer due to employee share ownership schemes, but what does this actually mean? To find out Sarah is joined by Malcolm Hurlston, chairman of the Employee Share Ownership Center and by Debbie Lovewell-Tuck from the Employee Benefits magazine.
If you're self-employed and need to set up a pension, where do you start? Sarah Pennells looks at a recent report published by Royal London with former Pensions Minister Steve Webb, currently Director of Policy at pensions and life insurance provider Royal London. Paul Allington founder and head of The Code Guy, gives his own account of setting up his pension, while Claire Walsh, Chartered Financial Planner and Head of Advice at Unbiased, gives advice on how to set up a pension plan. Sarah discusses whether the new Lifetime ISA can also help people set their pension.
Sarah Pennells looks at tax planning after it emerged that David Cameron's mother had given him £200,000, following the Panama Papers information leak. So when does tax planning go wrong? Emily Deane, from the The Society of Trusts and Estates Practitioners, and Mike Hodges, from Saffrey Champness, look at how you can reduce your inheritance tax, the role of trusts and keeping money offshore.
Ever been affected by a pension scam? Alan Higham, from Pensions Champ, Michelle Cracknell from the Pensions Advice Service and Rachael Badger, from the Citizens Advice Bureau talk to Sarah Pennells about cold calls and how to protect yourself from them.
Sarah Pennells is joined in the studio by Rachael Saunders from Business In the Community, and over the phone by Michelle Cracknell of The Pensions Regulatory Service and Fiona Tait of Royal London. Sarah and her guests talk about working in retirement and setting up a small business whilst receiving your pension . Sarah and her guests discuss the practicalities of setting up a business in retirement, as well as looking at what the rules say about receiving your pension whilst still at work.
Sarah Pennells is joined in the studio by Malcolm McLean from Barnett-Waddingham and Claire Walsh from Aspect8 as well as on the phone with Jonathan Bland from Pension Geeks and Robert Cochran of Scottish Widows to talk about pensions and the Pensions Awareness Day 2015 Campaign.
Malcolm Mclean, Claire Walsh, Jonathan Bland, Robert Cochran
Sarah Pennells is joined by four money experts from Equiniti, WEALTH at work, Money Advice Service and Aurora Financial Solutions, to talk about employee share schemes They discuss what they are, how exactly they work and who can benefit from them on Your Money, Your Future.
Phil Ainsley, Jonathan Watts-Lay, Andrew Johnson, Daren O'Brien
Sarah Pennells is joined by a panel of experts from ICAEW, Letting Focus, Fidelity World Wide Investment and Turn2Us to discuss the first Tory budget in nineteen years, what it means and how it will effect people in the future.
Anita Monteith, Alan Higham, David Lawrenson, Simon Hopkins
Sarah Pennells is joined in the studio by pension experts from Yellowtail Financial Planning and AJ Bell and on the phone by Royal London to discuss pensions for self-employed people and business owners.
Sarah Pennells is joined by two money saving expert guests from the British Bankers Association and a savings champion to talk about savings, savings accounts and interest rates on Your Money, Your Future.