Our latest episode of The Century Plan explores a key question: How much does financial planning actually cost? And just as importantly, what value do you get in return?

Financial planning fees can sometimes seem unclear—hourly rates, fixed fees, percentages, subscriptions—so in this episode, we provide clarity. We explain how different charging models work, what to consider when choosing a planner, and how working with the right professional can help you make informed financial decisions that support your future.

We also discuss:

✔️ The impact of fees on your long-term investments
✔️ Why an initial conversation with a planner should be free of charge
✔️ The reassurance and structure that financial planning provides

As Dennis puts it: “Good financial planning helps you stay on track, even when the unexpected happens.”

If cost has been a concern, this episode will help you understand how to assess value and make confident decisions about your financial future.

Useful information

Host: Dennis Hall

Host: Sarah Steele

Contact us: ask@yellowtail.co.uk

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.

• Budgeting is crucial for managing finances effectively.
• You can't manage what you don't measure.
• Pay yourself first by saving at the beginning of the month.
• Check your state pension forecast to ensure full benefits.
• Default pension funds may not be optimal for everyone.
• Active involvement in your investments is necessary for growth.
• Communicate financial information with loved ones for clarity.
• Create a financial life pack to organize important documents.
• Visualizing your retirement can help in planning effectively.
• Start small and build your financial planning habits over time.

Useful information

Host: Dennis Hall

Host: Sarah Steele

Which is more important: looking after your future health or your future wealth?

In this week’s episode of The Century Plan, we explore why the two are deeply interconnected.

Whether it’s your health or your finances, working with a professional can offer invaluable guidance, support, and accountability.

We’re joined by nutritional therapist Claire Thomas, who shares how she helps her clients achieve better health and well-being.

Here's what we cover:

Understanding nutrition's role in health and longevity

Common nutritional issues and misconceptions

The connection between nutrition and financial planning

The importance of sleep and the impact of stress

Behavioural changes and mindset

Whether fasting can work for you

Understanding epigenetics, gene expression and lifestyle choices

Genetic testing: pros and cons

The importance of expert guidance

Barriers to health and nutrition awareness

It's such a fascinating discussion. Don't miss it.

Useful information

Host: Dennis Hall

Host: Sarah Steele

Guest: Claire Thomas

Contact us: ask@yellowtail.co.uk

In this special episode, Dennis Hall provides his thoughts on the announcements from the Budget on the 30th October.

Whilst some of the most feared things didn't happen, there were plenty of significant changes.

We focus on:

Capital Gains Tax

Inheritance Tax

Pension taxation

The freeze on income tax and fiscal drag

And how the changes will affect your financial plan. Listen now for a balanced and thoughtful summary of what you really need to know.

Useful information

Host: Dennis Hall

Host: Sarah Steele

Contact us: ask@yellowtail.co.uk

Co-founder of purpose led financial planners Six Degrees, Katherine Waller, joins us on this episode. We invited Katherine on to talk about our shared approach to financial planning and to delve into how she helps people get the best financial outcomes. In this episode we explore:

• The importance of emotional intelligence in financial planning
• Vulnerability and trust in client relationships
• How life experiences shape our financial behaviour
• Overcoming financial fears and insecurities
• Balancing rational and emotional approaches
• Common obstacles in financial planning
• The role of purpose in financial advice
• Using shared interests to build relationships
• Our love of food and wine!

We also discuss our shared passion for eliminating decision-overwhelm for clients who already have too many choices to make in their daily lives. And why advisers should be held accountable for making decisions rather than offering endless options.

Useful information

Host: Dennis Hall

Host: Sarah Steele

Guest: Katherine Waller

Contact us: ask@yellowtail.co.uk

When the financial planner met the accountant.

In this episode we invite consultant CFO, NED and board adviser, Rob Nicholls to give us an accountant's perspective on how to achieve a sustainable financial future. Do Dennis and Rob see eye to eye is there a clash of perspectives?

We cover:

The connection between business success and personal finance.

The importance of passive investing

Automating investments for long-term growth.

Understanding tax implications in financial planning

The role of financial education in personal finance

The impact of economic changes on investment strategies

Reinventing yourself in the financial landscape

Useful information

Host: Dennis Hall

Host: Sarah Steele

Guest: Rob Nicholls

Contact us: ask@yellowtail.co.uk

How much time do you think you spend doing nothing?

A recent Duolingo poll revealed that UK adults spend an average of 26 𝐝𝐚𝐲𝐬 𝐚 𝐲𝐞𝐚𝐫 doing... well, nothing! That’s about 12 hours a week. Think about it—moments like:

Watching TV
Waiting for the kettle to boil
Waiting for a delivery
Scrolling aimlessly online

In this season of The Century Plan podcast, we’re exploring what's really holding us back. One of the most common reasons people give for not focusing on their financial planning is a lack of time.

But in our latest episode, we challenge that idea and take a closer look at how we actually spend our time. Is it really about not having enough hours in the day—or something else?

Join us as Dennis Hall breaks down how to make time for your financial planning and shares practical tips to help you get started, no matter how busy life feels.

Listen now and discover how to take control of your financial future in just a few small steps.

Useful information

Host: Dennis Hall

Host: Sarah Steele

Contact us: ask@yellowtail.co.uk

The Century Plan is back!

After a summer of planning and preparation, we're thrilled to launch Season 4 of our podcast, where we move from theory to practice.

This season, we're tackling the big question: How can we inspire people to take action on the insights we've been sharing? And more importantly, what's holding us back?

In our first episode, we dive into a challenge we all face—connecting with our future selves.

How can we motivate ourselves to protect our future—20, 30, or even 40 years from now—when it often feels like we're sacrificing our present?

Here's what we cover:

𝐓𝐞𝐦𝐩𝐨𝐫𝐚𝐥 𝐝𝐢𝐬𝐜𝐨𝐧𝐧𝐞𝐜𝐭: How it prevents us from taking necessary steps in our financial lives.

𝐂𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞𝐬 𝐨𝐟 𝐯𝐢𝐬𝐮𝐚𝐥𝐢𝐬𝐢𝐧𝐠 𝐨𝐮𝐫 𝐟𝐮𝐭𝐮𝐫𝐞 𝐬𝐞𝐥𝐯𝐞𝐬: Why it's so hard and what we can do about it.

𝐓𝐡𝐞 𝐟𝐞𝐚𝐫 𝐨𝐟 𝐜𝐨𝐬𝐭: The difficulty of thinking long-term and overcoming the fear of present-day sacrifice.

𝐂𝐫𝐞𝐚𝐭𝐢𝐧𝐠 𝐡𝐚𝐛𝐢𝐭𝐬 𝐚𝐧𝐝 𝐜𝐨𝐦𝐦𝐢𝐭𝐦𝐞𝐧𝐭 𝐝𝐞𝐯𝐢𝐜𝐞𝐬: Strategies to beat instant gratification and stay on track.

𝐓𝐡𝐞 𝐩𝐨𝐰𝐞𝐫 𝐨𝐟 𝐯𝐢𝐬𝐮𝐚𝐥𝐢𝐬𝐚𝐭𝐢𝐨𝐧: How envisioning our future can help us achieve our long-term goals.

This episode is packed with insights and actionable takeaways, plus some fascinating book recommendations you won’t want to miss!

Useful information

Host: Dennis Hall

Host: Sarah Steele

Atomic Habits by James Clear

Be Your Future Self Now by Dr Benjamin Hardy

Contact us: ask@yellowtail.co.uk