The Century Plan Podcast

Retirement planning from start to finish. A heads-up from Chartered Financial Planner, Dennis Hall on why your money needs to work harder for longer.

Holly Mackay: Making Financial Advice More Human 08/04/2025

Health is Wealth: The Other Side of Retirement Planning 07/01/2025

Health is Wealth: The Other Side of Retirement Planning In our second special summer episode of The Century Plan, we step outside the world of finance, but only just. Dennis Hall and Sarah Steele are joined by Toby Swallow, a former world champion powerlifter turned strength coach, who now calls himself a health pension planner. His mission? Helping people build the physical reserves they’ll need for a longer, more independent life. We explore the powerful parallels between financial and physical planning, from building long-term reserves to avoiding crisis-driven decisions. Toby shares personal insights, practical steps, and a clear message: wealth alone won’t protect you from frailty. Whether you're planning for retirement, already there, or working with clients who are, this episode will challenge how you think about health, wealth, and what it really means to prepare for the future. In this episode: Toby’s journey from powerlifting champion to health coach What it means to build your “health pension” The connection between VO2 max, bone density, and longevity Why functional fitness matters more than aesthetics How to start building physical reserves — at any age The cost of waiting until it’s too late "Just because you look fit doesn't mean you're ready for what ageing brings. We plan financially, why not physically?" 🎧 Listen now and subscribe for more conversations on long-term thinking, financial wellbeing, and living a life that matters. Host: Host: Contact us: Follow Toby on LinkedIn: ABOUT YELLOWTAIL Founded by Dennis Hall, Yellowtail are the trusted financial planners who advise individuals & families across the UK. Yellowtail’s experts provide the clarity, control and confidence to guide you through financial planning, estate planning, pension transfers and investment management directing your journey towards a prosperous retirement and financial peace of mind. /episode/index/show/the-century-plan/id/37209515

The Soul of Wealth with Daniel Crosby Ph.D 06/09/2025

What's Holding You Back? 03/18/2025

Is Financial Planning Actually Worth It?? 03/03/2025

Understanding Cost, Demonstrating Value 02/11/2025

Five Steps To Support Your Financial Future 01/14/2025

Nutritional Therapy and Financial Planning 11/25/2024

Autumn Budget Breakdown 11/05/2024

Purpose-Led Financial Planning - With Katherine Waller of Six Degrees 10/15/2024

When The Financial Planner Met The Accountant 10/01/2024

Do You Have Time For Financial Planning? 09/17/2024

Connecting With Your Future Self 09/16/2024

Sleepwalking into Retirement Regret (And How To Avoid It) 07/09/2024

Don't Pay Too Much - Why You Need To Review Your Contracts 06/18/2024

The Century Plan x Medics Money. With Guests Dr Tommy Perkins and Dr Ed Cantelo 05/28/2024

Our Ageing Population - How It Affects Our Retirement - with guest Professor Sarah Harper CBE. 05/02/2024

When Retirement Funds Need To Deliver - How To Take Your Income. 04/16/2024

How Does The Budget Affect My Pension? - Do You Need To Act? 03/26/2024

Human Behaviour & Financial Planning - With New York Times Columnist Carl Richards 03/12/2024

Human Behaviour & Financial Planning - With New York Times Columnist Carl Richards In this episode of The Century Plan Sarah and Dennis are pleased to welcome their guest Carl Richards. Carl is a US-based certified financial planner, joining the podcast from Park City Utah. Carl is the creator of the Sketch Guy column, which appeared weekly for a decade in the New York times. He's an international author and speaker, and his work has influenced financial planners across the globe. During this episode, Carl shares his insights, knowledge, and experiences as a financial planner. We learn about how Carl became a columnist and author with books including, The Behavior Gap: Simple Ways to Stop Doing Dumb Things with Money and The One-Page Financial Plan: A Simple Way To Be Smart About Your Money. We learn more about the artwork at Yellowtail which includes favourite pieces from Carl's sketch collection. Useful information Guest: Carl Richards Books: Host: Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die" Host: Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan. Contact us: sarah@yellowtail.co.uk /episode/index/show/the-century-plan/id/30328923

What Should You Be Paying for Financial Planning - What Is Fair and Who Do You Choose? 02/27/2024

What Should You Be Paying for Financial Planning - What Is Fair and Who Do You Choose? In this episode of The Century Plan, Sarah asks Dennis "How Much Does it Cost to Work With a Financial Planner?". What is fair? How are different fees structured? What should you expect? Dennis has some interesting thoughts on hourly rates and explains how he works at Yellowtail Financial Planning. We explore in detail the structure of how fees are charged and why transparency is paramount to a long lasting relationship. How do hourly rates work in financial planning? What is a fixed price for financial services? Why do some people charge a percentage of assets under management? What is a fair ongoing management cost? Useful information Host: Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die" Host: Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan. Contact us: sarah@yellowtail.co.uk /episode/index/show/the-century-plan/id/30118053

How Much Does Retirement Cost - How Do You Work Out If You Have Enough? 02/06/2024

If You Live to 90 - Will You Have Enough Money? 01/23/2024

If You Live to 90 - Will You Have Enough Money? As The Century Plan returns for its third season, Sarah and Dennis revisit its purpose. Episode 1 of Season 3 opens with Dennis and Sarah taking a deeper dive into the challenges we all face from longevity risk. And they highlight the marked difference between the size of pension pot needed to support you if you live to 80 or if you live past 90 years. Can we afford to live to age 100? What is longevity risk? How much money will we need for a moderate standard of living in retirement? What is the difference between a financial planner and a financial adviser? When will we need their help? As ever, Dennis and Sarah take a conversational and anecdotal approach to the complex business of financial planning. Useful information Host: Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die" Host: Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan. Contact us: /episode/index/show/the-century-plan/id/29589623

Do Your Loved Ones Know About Your Finances? - Don't Leave It Too Late To Communicate 11/28/2023

Do Your Loved Ones Know About Your Finances? - Don't Leave It Too Late To Communicate Don't leave it too late.... To have the conversation. Do your loved ones know about your finances? Have you considered how they will live when you are no longer around to provide for them? Do they know how and where to access your money, investments, and financial affairs? Have you written a will to safeguard your wishes? Dennis and Sarah don't shy away from talking about what is often a taboo subject. During this episode, we hear real-life case studies about how people have been impacted by not having conversations before tragedy strikes. If you care for the people around you, start the conversation. Useful information Host: Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die" Host: Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan. Contact us: sarah@yellowtail.co.uk /episode/index/show/the-century-plan/id/28814688

Balanced Portfolios Are Sub-Optimal - Stop Focusing On Volatility! 11/14/2023

Balanced Portfolios Are Sub-Optimal - Stop Focusing On Volatility! Controversial opinion alert! Balanced portfolios are sub-optimal. Well, it may be controversial for some, but in this episode, Dennis explains how cashflow planning and evidenced-based investing shine a light on the shortfalls of a balanced approach. Risk profile questionnaires have been widely used since the late 90s, as a tool to establish our attitude to risk. But they're not a regulatory requirement. And they tend to focus on our reaction to volatility which, in turn, drives us towards the "safer" option. But why are they sub-optimal? Why should we be questioning their validity? And what should we be discussing with our financial planner for a more rounded approach? Useful information Host: Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die" Host: Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan. Contact us: sarah@yellowtail.co.uk /episode/index/show/the-century-plan/id/28623073

Who Are You Going To Call? - The Value of Advice with guest David Jones of Dimensional Fund Advisers 10/31/2023

Who Are You Going To Call? - The Value of Advice with guest David Jones of Dimensional Fund Advisers In our latest episode we sit down with guest . Just back from a cooking course in Italy, Dennis hands over to Sarah who asks David about the value of advice and the importance of the relationship in Financial Planning. David Jones, is Head of UK & Ireland Advisor Group and Vice President at Dimensional Fund Advisors. Before joining Dimensional, David was managing director of his own financial planning firm specialising in retirement planning and investment advice for corporate and private clients. David holds an MA in military studies and a BA in American studies form the University of Manchester. He also holds Master Licenced Trainer designations in mind mapping, memory skills, speed reading and applied innovation. Who should we call when the worst happens? Why do we shy away from conversations about money? And why is this potentially damaging? What is the formula for the value of advice? Useful information Guest: Host: Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die" Host: Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan. Contact us: sarah@yellowtail.co.uk /episode/index/show/the-century-plan/id/28467887

Reacting to Market Volatility or Keeping The Faith? Why You Should Hold Your Nerve 10/17/2023

Reacting to Market Volatility or Keeping The Faith? Why You Should Hold Your Nerve In this episode, Sarah and Dennis discuss whether we should react to market volatility. In times of economic downturn, it can be hard to keep the faith and stick to your long-term financial plan. Should we be holding our nerve? How should we react to high interest rates, even higher inflation, geo-political issues and media doom-mongering. Why wouldn't we rush to move our money to a guaranteed rate savings account? Dennis delves into the current economic situation and explains how data, history, and his personal experience of previous crashes, continue to support the long-term view. Useful Information Host: Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die" Host: Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan. Contact us: sarah@yellowtail.co.uk /episode/index/show/the-century-plan/id/28321013

Hypnotherapy & Neurolinguistic Programming - The Retirement Cafe with guest Justin King 10/02/2023

Hypnotherapy & Neurolinguistic Programming - The Retirement Cafe with guest Justin King In this special guest episode, Sarah and Dennis are joined by Justin King. Justin is a registered Life Planner and coach and one of the UK's most qualified independent financial advisers. Justin hosts The Retirement Café Podcast and during this episode of The Century Plan, we hear how over 180 episodes evolved into The Retirement Café book. Justin also shares insights into the tools and techniques he uses to support and help his clients plan for the retirement they desire. These include reframing thoughts through hypnotherapy and NLP techniques. Justins book is currently available on Amazon . Useful Information Guest: Justin King Host: Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die" Host: Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan. Contact us: /episode/index/show/the-century-plan/id/28192703

Using Visual Tools To Enhance Understanding - How It Works In Financial Planning 09/19/2023

Using Visual Tools To Enhance Understanding - How It Works In Financial Planning In episode 5, Sarah and Dennis discuss Visual Tools and how they can reinforce and enhance our understanding. Can a picture paint a thousand words? Do you know your learning style? Maybe it's auditory and that's why you're listening to this podcast. Or it's kinesthetic and you learn best through movement, touch, or experience. Or, maybe it's visual, and diagrams or images help reinforce your understanding. Visual aids, or lived experiences, are some of the best tools we can use in the financial planning process. Tune in to find out why. Useful Information Host: Dennis is a Chartered Financial Planner whose career spans 35 years, mostly in central London. After working for larger organisations (including a spell in Moscow) he founded Yellowtail in 2006 and later relocated the office to Exeter. Dennis's particular expertise lies in Lifestyle Financial Planning, helping busy successful people transitioning from working for a living to financial independence, allowing them to choose whether they work, retire, or something in-between. Dennis regularly writes for the trade press and the finance sectors of national newspapers and also has written a book on getting your financial affairs in order called "Who Will it Hurt When I Die" Host: Sarah joined Yellowtail in 2017 having worked previously at Coutts Bank in Central London. Her role focused on clients in the sports and entertainment industry and, more recently, in private healthcare. In 2022, Sarah became Yellowtail's second Director and now looks after all the non-regulated aspects of the business. Sarah is particularly interested in the psychology of money and the interactions clients have with their financial planner. These interactions form the basis of many of the questions Sarah puts to Dennis on The Century Plan. Contact us: sarah@yellowtail.co.uk /episode/index/show/the-century-plan/id/28058400

What's The Risk With Risk Profiling? - Why The Questionnaires Have Limitations 08/15/2023

The Century Plan Podcast

TOPICS