Financial Adviser Reveals: Why You Don't ACTUALLY Need One (Just Do This!) - Pete Matthew (Meaningful Money)

In this episode of the Money Gains Podcast we welcome Pete Matthew from Meaningful Money to the show. Pete unpacks his "cash flow ladder" approach to retirement drawdown, explains why blanket de-risking near retirement can be a costly mistake, and shares the behavioural side of financial planning that most advice ignores. ---------👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212🔗 https://www.trading212.com/join/MGPIf you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.(Capital at risk when you invest)---------Gains App is LIVE!An AI-powered budgeting and cashback app designed to help you make more of your money.Download here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z---------✅ Why de-risking your pension automatically as retirement nears could actually hurt you, and what to do instead ✅ How the "cash flow ladder" protects your retirement pot from crashing markets at the worst possible moment ✅ Why chasing a round number like £1 million is the wrong goal, and how to work out what your life actually costs ✅ How most financial advice fails because it ignores the psychology and behaviour behind people's money decisions ✅ Why the biggest life transitions are when you should actually seek financial advice---------DISCLAIMER:This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you. Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quizGet The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇🔗 https://upthegains.co.uk/investing-checklist