"You are good enough. You do know enough. You just need to start."

For the final episode in our summer series, we're joined by the brilliant and refreshingly honest Holly Mackay, CEO of Boring Money, to talk about the real barriers to financial confidence — and why money is never just about the numbers.

We dive into:
– Why women still feel "rubbish with money"
– The behavioural edge female investors may have (even if they don't know it)
– Why "just doing nothing" might be the best investment strategy
– The power of empathy in advice
– And how to make financial planning feel less like a private club

Holly also shares her own story — from $8.50/hour unit pricing in Australia to becoming one of the most trusted voices in UK consumer finance. It's candid, funny, and deeply human.

Whether you're a financial professional, a reluctant investor, or simply someone trying to make better decisions for a longer life — this one's for you.

Don't forget to follow or subscribe — and let us know your favourite moment from the episode.

Host: Dennis Hall

Host: Sarah Steele

Learn more about Holly's work at boringmoney.co.uk

Contact us: ask@yellowtail.co.uk

Produced by Yellowtail Financial Planning

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.

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: Dennis Hall

Host: Sarah Steele

Contact us: ask@yellowtail.co.uk

Follow Toby on LinkedIn:
www.linkedin.com/in/toby-swallow/

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.

In the first of our summer specials, we're joined by Dr. Daniel Crosby - psychologist, behavioural finance expert, and author of The Soul of Wealth.

Daniel's work invites us to rethink wealth not as a number, but as something deeply connected to our values, our behaviour, and our vision of a meaningful life.

We explore:

• Why we often know the right thing to do with money, but still don't do it

• The hidden power of "Enough is a decision"

• Why women often outperform men as investors

• How the PERMA model helps us plan for fulfilment, not just freedom

• The small wins that make delayed gratification easier

• Why vulnerability could be an advisor's greatest strength

Whether you're building your financial future or helping others plan theirs, this episode is packed with insight, warmth, and actionable ideas.

Learn more about Daniel's book: The Soul of Wealth

🎧 Listen now and subscribe for more conversations on long-term thinking, financial wellbeing, and living a life that matters.

Host: Dennis Hall

Host: Sarah Steele

Guest: Daniel Crosby Ph.D

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.

In this season finale of The Century Plan, we wrap up our exploration of what often holds people back from engaging in financial planning. Throughout this season, we've tackled several common barriers and uncovered ways to overcome them. Here are some key factors we discussed:

• Difficulty connecting with our future selves: Many people struggle to envision their future and prioritise present desires over long-term goals.
• Perfectionism: The fear of making the "wrong" decision or not having all the perfect information can prevent action.
• Lack of time: We explored whether people truly don't have time for financial planning or if procrastination is the real issue.
• Decision overwhelm: With so many options available, the inability to make decisions can lead to inaction.
• Not knowing where to start: Financial planning can feel like a huge, overwhelming task, and not knowing where to begin stops many from taking action. We give you five actionable steps to help.
• Emotional barriers: Past financial mistakes or the emotional attachment to money can prevent people from taking the next step.
• Cost concerns: Many people hesitate to invest in financial planning due to concerns over cost, despite the potential for long-term savings.

If any of these resonate with you, you're not alone. Tune into this episode for a recap of the season and tips on how to get started with your own financial planning journey.

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.

In this episode, Sarah throws out a challenge to Dennis: Is financial planning actually worth it?

Is she about to regret her question!?

But it has to be addressed, because there are some who think it's a waste of time—believing pensions won't be there when they retire, their business or property will fund everything, or they'll just keep working. But are these assumptions really true?

In our latest episode of The Century Plan, we tackle the common myths that stop people from planning for their future. Financial planning isn't just about numbers—it's about making sure you have real choices later in life.

Listen now and find out why planning is worth it.

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.

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