Kickstarting Series Two: Summer Highlights and Key Takeaways from the 2025 Budget In the first episode of 'The Insightful Edge' Series Two, host Geoff Dyckes tells Phil Boyle about what he has been up to since finishing season one of the podcast. The episode then dives into a detailed analysis of the 2025 budget, discussing its implications on income tax, dividends, pensions, property investments, electric vehicle taxation, and more. Geoff provides insights and recommendations for small business owners, self-employed individuals, and those planning for the future. The conversation emphasizes the importance of financial planning and staying informed about fiscal changes. 00:00 Introduction and Welcome Back 00:39 Geoff's Summer Adventures 03:31 Book Recommendations 04:43 Budget Headlines and Key Points 06:11 Impact on Taxes and Fiscal Drag 08:19 Effects on Pensions and Investments 12:56 Changes for Small Business Owners 17:12 Electric Vehicles and New Taxes 19:12 Pensions and Inheritance Tax Changes 22:30 Making Tax Digital (MTD) 25:32 Mansion Tax Explained 28:13 Key Takeaways Useful links mentioned in this episode: www.dyckesfinancial.co.uk Contact the host: Geoff Dyckes: geoff@dyckesfinancial.co.uk Newsletter sign up: https://geoff-dyckes-financial-consultancy-ltd.kit.com/bb5a3a7550 Book an initial Free 15 mins Introduction Phone Call :- https://calendly.com/geoffdyckes
In this final episode of Series One of Insightful Edge, host Geoff Dyckes becomes interviewee as former guest Phil Boyle moves from behind-the-scenes to in front of the microphone for a role-reversal interview. Geoff shares his recent golfing adventures at Woburn Golf Club and Birch Grove, and talks about his return to Reformer Pilates. After a book recommendation from Geoff, the conversation delves into Geoff's professional journey from his early days at HSBC to running his own firm for 25 years, and now focusing on providing personalised financial planning. Geoff emphasizes the importance of balancing work with personal life, sharing how he lives by the values he advises his clients. Series two will be along soon and Geoff would welcome feedback on series one and contact from anyone with guest ideas for series two or an interest in sponsoring the podcast. 00:00 Introduction and Episode Overview 00:51 Phil Boyle takes on the role of interviewer 01:11 Golf Adventures and Experiences 03:39 Exploring Reformer Pilates 04:47 Updates on Work and Clients 09:15 Book Recommendations 10:55 Geoff's Career Journey 24:26 Living his Advice to Clients 27:43 Conclusion and Future Plans Useful links mentioned in this episode: www.dyckesfinancial.co.uk Contact the host: Geoff Dyckes: geoff@dyckesfinancial.co.uk Newsletter sign up: https://geoff-dyckes-financial-consultancy-ltd.kit.com/bb5a3a7550 Book an initial Free 15 mins Introduction Phone Call :- https://calendly.com/geoffdyckes Altitude Coffee Bar www.altitudesurrey.co.uk Geoff's Book Recommendation - Anything You Want - Derek Sivers
SHOW NOTES In this episode of the Insightful Edge Podcast, financial life coach Geoff Dyckes shares his passion for helping people achieve financial independence and live the lifestyle they desire. He discusses his recent travels and a book recommendation, 'Never Enough' by Andrew Wilkinson, exploring themes of wealth, fulfilment, and security. Geoff emphasizes the importance of cashflow planning and provides insights into affordable financial advisory services. The episode also features an interview with his wife, Lauren, who talks about her diverse career journey from travel writing to running a coffee shop, and her life experiences. They discuss the value of experiences over material possessions and offer reflections on living a fulfilling life. 00:00 Welcome to the Insightful Edge Podcast 00:58 Personal Updates and Yorkshire Adventures 02:09 Book Recommendation: Never Enough by Andrew Wilkinson 05:51 The Importance of Cashflow Planning 10:03 Interview with Lauren: A Journey of Creativity and Entrepreneurship 29:15 Lauren's Tips for Her 14-Year-Old Self 32:38 Final Thoughts and Podcast Updates Useful links mentioned in this episode: www.dyckesfinancial.co.uk Contact the host: Geoff Dyckes: geoff@dyckesfinancial.co.uk Newsletter sign up: https://geoff-dyckes-financial-consultancy-ltd.kit.com/bb5a3a7550 Guest Info - Lauren Dyckes Altitude Coffee Bar www.altitudesurrey.co.uk Geoff's Book Recommendation - Never Enough - Andrew Wilkinson
SHOW NOTES In this episode, Geoff Dyckes shares his passion for helping clients achieve financial independence and live their desired lifestyle. Geoff explains the difference between a financial advisor and a financial life coach, emphasising his role in helping clients find clarity and confidence in their financial decisions. Geoff provides a detailed account of his coaching process, 'Aligns,' to guide clients from uncertainty to clarity. He also shares a podcast recommendation and upcoming plans for future episodes. 00:00 Welcome to the Insightful Edge Podcast 01:11 Recent Sporting Highlights and Personal Stories 02:33 Client Success Stories 05:20 Podcast Recommendation 10:17 Understanding Financial Life Coaching 14:17 The Aligns Process Explained 17:30 Final Thoughts and Upcoming Episodes 18:18 Sponsor Message and Closing Remarks Useful links mentioned in this episode: www.dyckesfinancial.co.uk Contact the host: Geoff Dyckes: geoff@dyckesfinancial.co.uk Newsletter sign up: https://geoff-dyckes-financial-consultancy-ltd.kit.com/bb5a3a7550 Book an initial Free 15 mins Introduction Phone Call :- https://calendly.com/geoffdyckes Altitude Coffee Bar www.altitudesurrey.co.uk Geoff will be holding a Mind Money Cafe Sessions either at Altitude, or over zoom. Email for availability. Geoff's Podcast Recommendation - Diary of CEO - Simon Cowell - 2hrs 15 mins.
Show Notes In this episode of Insightful Edge, host Geoff Dykes explores the concept of wealth in uncertain times, emphasising that true wealth aligns with one's purpose rather than reacting to market fluctuations or political changes. He recommends Carl Richard's book, 'The Behaviour Gap,' for its insights into common financial mistakes driven by human behaviour and the importance of planning over prediction. Geoff introduces three client types—Claire, Raj, and Charlotte—to illustrate how different financial mindsets and how their financial buckets look and the impact on one's life and the importance of having a balanced financial plan. The episode concludes with practical advice on managing money effectively and an invitation to join Geoff's Mind Money Cafe sessions and subscribe to his newsletters. 00:00 Introduction to Insightful Edge 00:42 Defining Wealth in Uncertain Times 01:34 The True Meaning of Financial Planning 02:57 Book Recommendation: The Behaviour Gap 03:56 Understanding the Behaviour Gap 05:29 Key Takeaways from The Behaviour Gap 10:01 The Concept of the Money Bucket 12:33 Client Stories: Real-Life Financial Planning 19:19 Final Thoughts and Resources Useful links mentioned in this episode: www.dyckesfinancial.co.uk Contact the host: Geoff Dyckes: geoff@dyckesfinancial.co.uk Newsletter sign up: https://geoff-dyckes-financial-consultancy-ltd.kit.com/bb5a3a7550 Book an initial Free 15 mins Introduction Phone Call :- https://calendly.com/geoffdyckes Altitude Coffee Bar www.altitudesurrey.co.uk Geoff will be holding a Mind Money Cafe Sessions either at Altitude, or over zoom. Email for availability. Geoff's Book Recommendation - The Behavior Gap - Carl Richards
SHOW NOTES Understanding the Value of Financial Planning with Anthony Birch In this episode of the Insightful Edge Podcast, host Geoff Dyckes, provides valuable insights into the true value of financial planning beyond mere valuations. He delves into the components of a comprehensive financial strategy, including clarity, strategy, education, and accountability. Geoff also shares a compelling case study of a couple, Lisa and Steve, who achieved early retirement through effective financial planning. This week's guest, Anthony Birch of Anthony Birch Health and Safety, recounts his journey from leaving school with minimal qualifications to owning a successful health and safety consultancy. They discuss the importance of robust retirement planning, balancing work and personal life, and the significance of seizing opportunities. 00:00 Welcome to Insightful Edge Podcast 01:00 Understanding Value in Financial Planning 02:18 The Importance of Cost and Charges Transparency 03:47 A Real-Life Financial Planning Case Study 06:56 Book Recommendation: Change Your Paradigm, Change Your Life 09:11 Interview with Anthony Birch: From Insurance to Health and Safety 13:19 Anthony Birch's Career Journey and Insights 20:17 Advice for the Younger Generation 23:27 Conclusion and Sponsor Message Useful links mentioned in this episode: www.dyckesfinancial.co.uk Contact the host: Geoff Dyckes: geoff@dyckesfinancial.co.uk Newsletter sign up: https://geoff-dyckes-financial-consultancy-ltd.kit.com/bb5a3a7550 Guest Info - Anthony Birch Website www.anthonybirchhealthandsafety.co.uk Email info@abhss.co.uk Altitude Coffee Bar www.altitudesurrey.co.uk Geoff's Book Recommendation - Change your Paradigm, Change your Life - Bob Proctor
In this episode of the Insightful Edge Podcast, host Geoff Dyckes, discusses how to achieve financial independence and the importance of planning for the future. Geoff shares a testimonial from a client who successfully navigated redundancy and achieved a balanced and fulfilling retirement. He also offers insights into pension deferral and the benefits of deferring state pension. Geoff interviews Phil Boyle from BG Racing about his career path and the importance of pursuing one's passions. 00:00 Welcome to Insightful Edge Podcast 01:00 Client Testimonial: How One Call Changed Everything 05:01 Case Study: Planning for Early Retirement 08:32 Understanding State Pension Deferral 12:01 Podcast Recommendation: Grapes and Greens 13:54 Interview with Phil Boyle from BG Racing 30:23 Conclusion and Takeaways Useful links mentioned in this episode: www.dyckesfinancial.co.uk Contact the host: Geoff Dyckes: geoff@dyckesfinancial.co.uk Newsletter sign up: https://geoff-dyckes-financial-consultancy-ltd.kit.com/bb5a3a7550 Guest Info - Phil Boyle - Website bgracingsyndicates.co.uk Email philmboyle@googlemail.com Altitude Coffee Bar www.altitudesurrey.co.uk Geoff's Podcast Recommendation - Grapes and Greens - Niall Flanagan and Ash Harris
In this episode of the Insightful Edge Podcast, host Geoff Dyckes, a lifestyle financial planner, introduces the concept of financial independence and announces a new initiative called 'Freedom and Fairways.' This one-day event is aimed at individuals at a pivot point in their business or personal lives, offering a morning clarity session followed by an afternoon golf game. Geoff also shares a personal case study about a client who found empowerment through understanding what 'enough' means financially. This week's guest, Sally Sanderson, discusses her work in leadership development for lawyers, her experience writing a book during the lockdown, and her recent joint venture to expand her training services. Sally also shares her personal advice on being brave, investing in relationships, and focusing on personal fulfilment rather than comparisons with others. The podcast is sponsored by Altitude Coffee Bar, a local café in Cranleigh, Surrey. 00:00 Welcome to the Insightful Edge Podcast 01:01 Introducing Freedom and Fairways 04:21 A Case Study on Financial Independence 07:37 Book Recommendation: Sir Chris Hoy's 'All That Matters' 09:52 Interview with Sally Sanderson 20:47 Key Takeaways and Closing Remarks Useful links mentioned in this episode: www.dyckesfinancial.co.uk Contact the host: Geoff Dyckes: geoff@dyckesfinancial.co.uk Newsletter sign up: https://geoff-dyckes-financial-consultancy-ltd.kit.com/bb5a3a7550 Altitude Coffee Bar www.altitudesurrey.co.uk Guest Info - Sally Sanderson - https://www.linkedin.com/in/sally-sanderson-profexconsulting Sally's book - Leading Lawyers: A practical toolkit to help you adjust your leadership style and deliver great results Geoff's Book Recommendation - Sir Chris Hoy - 'All That Matters'
In this episode of the Insightful Edge Podcast, host Geoff Dyckes, a lifestyle financial planner, continues his quest to help people achieve financial independence and live the lifestyle they desire. Geoff discusses the parallels between football strategies and financial planning, emphasizing the importance of vision, discipline, and knowing one's 'why'. He shares a personal insight on the importance of sticking to a financial plan with a client case study and provides listeners with a book recommendation. The featured guest this episode is John Lamerton, who recounts his journey from a civil servant to a successful internet marketer, emphasizing the importance of compounding investments, living on 80% of one's income, and understanding that money is a tool for achieving a better lifestyle. John also shares his advice for young people entering the workforce. 00:00 Introduction 01:01 Parallels Between Football and Lifestyle Planning 03:42 A Word From The Sponsor 04:32 This Week's Insight 05:58 Book Recommendation 09:21 Interview with John Lamerton Useful links mentioned in this episode: www.dyckesfinancial.co.uk Contact the host: Geoff Dyckes: geoff@dyckesfinancial.co.uk Newsletter sign up: https://geoff-dyckes-financial-consultancy-ltd.kit.com/bb5a3a7550 Altitude Coffee Bar www.altitudesurrey.co.uk Guest Info - John Lamerton - https://www.linkedin.com/in/johnlamerton/ One Percent - https://bigidea.co.uk/one-percent-club/ Book Recommendation - Just One Thing - Dr Michael Mosley.
In this inaugural episode of the Insightful Edge Podcast, host Geoff Dyckes, a lifestyle financial planner, introduces the podcast's mission to provide listeners with tools and insights to achieve financial independence. He reflects on the 80th anniversary of VE Day, emphasizing the importance of appreciating life's moments. Geoff discusses the concept that real wealth is often invisible and shares lessons from the book 'The Top Five Regrets of the Dying.' He also narrates personal stories highlighting the significance of living life with purpose and offers advice to his 14-year-old self. 00:00 An Introduction to Insightful Edge 02:50 A Word From Our Sponsor 03:55 This Week's Insight 09:21 This Week's Interview 23:04 Closing Remarks Useful links mentioned in this episode: www.dyckesfinancial.co.uk Contact the host: Geoff Dyckes: geoff@dyckesfinancial.co.uk Newsletter sign up: https://geoff-dyckes-financial-consultancy-ltd.kit.com/bb5a3a7550 Altitude Coffee Bar www.altitudesurrey.co.uk Book Recommendation Top 5 Regrets of the Dying - Bronnie Ware
Join Geoff Dyckes in the brand new podcast, Insightful Edge, where he shares his passion for lifestyle financial planning. Geoff aims to help listeners achieve their goals and financial independence. Season one includes six episodes featuring personal insights, case studies, book recommendations, and guest interviews and the first episode releases next Wednesday, May 14, 2025. Subscribe now to ensure you don't miss any episodes. For guest recommendations or to be featured, contact details are in the show notes. Useful links mentioned in this episode: www.dyckesfinancial.co.uk Contact the host: Geoff Dyckes: geoff@dyckesfinancial.co.uk