The Financial Fortune Teller Podcast

The Financial Fortune Teller Podcast
Podcast Description
Being proactive with your finances is key to your financial success. It's financial services made easy!With over two decades of financial services experience, we have seen the industry change from an old man in a grey suit, to us, the next generation of advisers who are knowledgeable, enthusiastic and talented. We offer a modern spin on both mortgages and their related products, which can help customers make the right financial decisions. We aim to predict the future of the mortgage market and help guide you down the best route.The mortgage world at times is a minefield. So it's good to have experts on hand who will put you in a position to make an informed decision with your finances. Whether you're a First Time Buyer looking to get on the property market, a Home Mover looking for your next home or a Property Investor sourcing new properties to start or add to an existing portfolio, we have the answers.Another vital part of taking a proactive approach to your finances is to make sure you’re protected. This means having insurance for your health, your life, diagnosis of illnesses, scary situations such as the inability to work due to having an accident which results in injury, and even business insurance for good measure. Having insurance can help protect you financially if something unexpected happens. It’s important to choose the right insurance policy for you, your family and your business. It’s also a great idea to review your policies regularly to make sure they still meet your needs. There are many different types of insurance out there, so it’s important to do some research before you purchase a policy. We can educate you on where to start.Fortune Financial Planning is an established mortgage broker and specialist business and personal protection firm, with an emphasis on friendly professionalism. Based in Hitchin Hertfordshire, we are an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority.www.fortunefinancial.co.ukYOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME – BY CONSOLIDATING YOUR DEBTS INTO A MORTGAGE, YOU MAY BE REQUIRED TO PAY MORE OVER THE ENTIRE TERM THAN YOU WOULD WITH YOUR EXISTING DEBT WHICH COULD INCREASE THE AMOUNT OF INTEREST PAYABLE OVERALL.
Podcast Insights
Content Themes
The podcast focuses on personal finance education, covering themes such as wills, life insurance, mortgage trends, and financial protection strategies, with specific episodes like How to Write a Will for Free and Protecting Families & Business Owners showcasing practical advice and actionable insights.

Being proactive with your finances is key to your financial success. It’s financial services made easy!
With over two decades of financial services experience, we have seen the industry change from an old man in a grey suit, to us, the next generation of advisers who are knowledgeable, enthusiastic and talented. We offer a modern spin on both mortgages and their related products, which can help customers make the right financial decisions. We aim to predict the future of the mortgage market and help guide you down the best route.
The mortgage world at times is a minefield. So it’s good to have experts on hand who will put you in a position to make an informed decision with your finances. Whether you’re a First Time Buyer looking to get on the property market, a Home Mover looking for your next home or a Property Investor sourcing new properties to start or add to an existing portfolio, we have the answers.
Another vital part of taking a proactive approach to your finances is to make sure you’re protected. This means having insurance for your health, your life, diagnosis of illnesses, scary situations such as the inability to work due to having an accident which results in injury, and even business insurance for good measure. Having insurance can help protect you financially if something unexpected happens. It’s important to choose the right insurance policy for you, your family and your business. It’s also a great idea to review your policies regularly to make sure they still meet your needs. There are many different types of insurance out there, so it’s important to do some research before you purchase a policy. We can educate you on where to start.
Fortune Financial Planning is an established mortgage broker and specialist business and personal protection firm, with an emphasis on friendly professionalism. Based in Hitchin Hertfordshire, we are an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME – BY CONSOLIDATING YOUR DEBTS INTO A MORTGAGE, YOU MAY BE REQUIRED TO PAY MORE OVER THE ENTIRE TERM THAN YOU WOULD WITH YOUR EXISTING DEBT WHICH COULD INCREASE THE AMOUNT OF INTEREST PAYABLE OVERALL.

Writing a will in the UK is a relatively straightforward process, but it’s essential to follow legal requirements to ensure it’s valid and your wishes are carried out. Here’s a step-by-step guide to help you:
1. Decide Who Will Be Involved – Executor(s): Choose one or more people to carry out your wishes after your death. They will be responsible for managing your estate, paying any debts, and distributing your assets according to your will. – Beneficiaries: These are the people or organizations who will receive your estate (money, property, assets, etc.). You can leave specific items or sums of money to beneficiaries.
2. List Your Assets Write down all the important assets, including properties, bank accounts, investments, and any personal belongings (e.g., jewelry, antiques). This helps ensure everything is accounted for in your will.
3. Choose Guardians for Your Children (If Applicable) If you have minor children, name a guardian who will care for them in case of your death.
4. Decide How to Divide Your Estate Clearly outline how you would like your estate to be divided. For example: – Specific items (e.g., “I leave my watch to my son, John”). – Monetary amounts (e.g., “I leave £5,000 to my daughter, Emma”). – Residuary estate: the remaining estate after debts, expenses, and specific bequests have been settled (e.g., “I leave the remainder of my estate to my spouse”).
5. Write Your Will You can write your will by hand, type it out, or use an online will-writing service. Ensure it includes the following: – A clear declaration that it is your last will and testament. – Full names of the executor(s) and beneficiaries. – A statement about how your estate should be distributed. – Any specific requests (e.g., funeral arrangements, personal items). It’s essential to make it clear, concise, and unambiguous.
6. Sign Your Will – You must sign the will in front of two independent witnesses who are not beneficiaries or spouses of beneficiaries. – The witnesses must also sign and date the will, confirming that they saw you sign it. They do not need to know the contents of the will, just that you are the person signing it.
7. Store Your Will Safely – Keep your will in a safe place, such as a bank safety deposit box or with a solicitor. – Inform your executor(s) of its location.
8. Update Your Will If Necessary If there are significant life changes (e.g., marriage, divorce, the birth of a child), you may need to update your will. You can make changes through a “codicil” (a formal amendment to your will), or you may choose to create a new will. ###
Additional Considerations: – Witnesses: The witnesses must be over 18 and not beneficiaries in the will. – Legal Advice: It’s a good idea to seek legal advice if you have a complicated estate, or if you want to ensure your will is airtight. – Making a Will Online: Many online platforms can help you create a will for a fee, providing templates and guidance to ensure your will is legally sound. ### Legal Requirements: – Witnessing: Two witnesses are necessary. – Signature: You must sign the will in front of the witnesses. – Mental Capacity: You must be of sound mind when making a will, meaning you understand the consequences of your decisions. Writing a will is essential to ensure your wishes are respected after your death, and having it done properly ensures that your estate is handled smoothly.
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