Why mentoring really matters

We think women need to talk more openly about money because money matters. Be embarrassing or confusing. Join the conversation. We'll be discussing a whole range. Hello and welcome to another edition of the AJ Bell Money Matters Podcast, a podcast which is aimed at helping you get comfortable with your finances and to try and make some changes to the gender gaps that exist out there when it comes to us and our money.

I'm Laura. And I am Danny, and we thought we'd take this episode to shout out about some of the positives we're seeing in the finance sector, and in particular talk to a couple of women making waves in our own company. Because we know that things are tough out there. As we talked about in our last episode, there's still so much more that needs to be done to help women feel more confident in their financial lives. And so much more needs to be done.

to keep getting more women into finance. But there have been big changes and to try and really demonstrate those changes, we thought we'd get two women from different generations to talk about their experiences working in finance. and how they're helping each other to break barriers for the next wave of women coming through. So keep listening for a thought provoking chat with Alison Mollard, who is bossing it as AJ Bell sales director, and Georgia Swallow herself climbing up the ranks.

Currently, AJ Bell Business Development Team Leader. They are a great double act, different generations, different perspectives, different experiences, but also Quite a lot of parallels, so do keep listening. And before we dive into our one big thing of this episode, we're going to take a really quick look through some of the price pressures that will be heading your way in what has been dubbed awful HP. Once again I'm regretting my decision to call my daughter April because the headline

I every time I hear that, I think of you, Laura. Every time I'm like, oh I used it in a press release the other day and I thought, Oh, I'm sorry, daughter.

We will also be looking at important changes to claim back gaps in your national insurance contributions. But before all that, we wanted to take time to thank again all of the previous podcast guests and financial influencers. who came along to the launch of our report into the gender I If you didn't listen to our last episode, do take a look at the report which is on our website, ajbellmoneymatters.co.uk.

But in a nutshell we found that although women are actively saving and using ISES, more women are choosing cash ISES over investing or stocks and shares ISES. which contributes massively to the six point six billion pound gender I There has been a lot of pickup in national newspapers, on radio stations like LBC, and even in women's magazine Mary Claire, one of my personal favourites.

We've also started lots of conversations on our social media channels. Hopefully you already follow us. We are AJ Bell Money Matters on LinkedIn, Facebook and Instagram, and we love to hear from you. So we thought that we play a little snippet, which is from our event at the House of Lords, when we asked people what one word they would use to describe the findings of the report. Frustrating. Terrifying. Absolutely. Unacceptable. Scary. Staggering. Shocking. Closable.

I love that. It was such a great summing up of the day and the report.

One thing I don't love though is all of the price rises that are heading our way in April. So we thought we'd touch on these briefly just so you're aware of what's coming down the pipeline for your household budget so you can prepare. Now we're not going to go into massive detail here because a lot of the figures will depend on your personal circumstances.

And also if we went through every price change in my new shire, we'd be here for hours. I'm not sure anyone wants that. But we thought we would flag the big ones that might be coming your way just so you're aware of them and hopefully so you can tackle them and reduce them where possible. Yeah, last year I did a spreadsheet of all the changes and I was horrified and

A part of me knows that I need to do it this time, but a part of me is just like, no, I I don't want to be aware of how much more I'm gonna have to pay. But let's start with the big one, council tax. Almost nine out of ten councils are going with a hike of just under five percent. That is the most that they can put on bills without a local referendum. So asking us whether it's okay if they put that council tax up.

But six councils have been given the go-ahead to go higher. I know Bradford, which is just down the road from us, they are being allowed to put bills up by almost 10%. And that is a huge cost to households because council tax is a big bill that comes in for people. So those big hikes of, you know, like 10%, that is going to add quite a lot to people's monthly costs. So definitely one to be aware of before that higher bill here.

Water is another one that unfortunately you have to pay. It's also gathered a lot of column inches and it varies a lot depending on what water company you're supplied by. But average bills are expected to go up by ten pounds a month, although it's really important to check out what's happening in the area you live in and how much your actual bill Here's one we've spoken about before, and a lot of people are hyper aware that the energy price cap.

Is going up by£111 a year to£1,849 a month from April. Of course, that's if you haven't fixed your tariff. Now, I just need to remind you that the cap is on a unit of energy. So if you use more than the average, you'll be charged more. But it is always making worth making sure that you take a reading on the day the price rise comes in on the first of April.

And also I found it really interesting that fixed rate tariffs have made it into the Office for National Statistics basket of goods used to measure inflation. Yeah, energy is a key one. I think we've got so used to being on the energy price cap that actually we're now back in the world where it's worth hunting around for a fixed price deal and so it's definitely worth looking into.

Also, car tax is going up. So the standard rate for cars registered after April twenty seventeen is going to go up by five pounds a year to£195. But RAC says your payment could be less on vehicles registered before. Also, there's a big change coming for electric vehicles. They're no longer going to be tax exempt. So for electric vehicles registered after April twenty twenty five. It's gonna be ten pounds for the first year and then the standard rate and for electric vehicles registered after

seventeen. They also face the standard rate charges. So that's the£195 a year that I mentioned earlier. So that's a huge cost increase for those with electric cars. But remember you can pay by direct debit to spread Now, I'm going to clump all of these together because I think of them all together. Broadband phone and your TV license. Now, for the first two.

you're going to get told you should have been told already by your provider how much prices are going to go up. And this time they have to do it in pounds and pence, not just a percentage. So you should get a really good idea of how much more your bills are going to be. And for a color TV license, it's going to be an extra five pounds a year, taking the price up to£174.50. But again, you can spread that.

And stamp duty. So this obviously only applies to those who are moving home or buying their first home. But we know that there's been a big rush for lots of home buyers to beat the changes that are coming in at the end of March. So from April home movers in England and Northern Ireland are gonna pay stamp duty at

higher rates. So previously the first two hundred and fifty thousand pounds of a property you didn't pay any stamp duty on, that limit is now coming down to one hundred and twenty five thousand. And there's also changes for first-time buyers, which reduces that first-time buyer discount you get. And it could add thousands onto your home move, hence the rush to complete before the end of March. I'm gonna end on this one because I couldn't believe how much a single first class stamp now costs.

From the seventh of April, a first class stamp will go up by five pence to one pound seventy for a standard letter. A lot. It is a lot. I still think that I'm gonna be able to go to the supermarket and get that little book of six first class stamps for a couple of quid. Mm no. Not at all. And if you want to post a large letter, it's going up by a massive 55 pence. So it's going to cost you£3.15 for one stamp to post a large letter.

letter. But for just a letter, first class letter, one pound seventy a pop, it is going to be. And the seventh is really confusing because the new tax year starts on the sixth of April, something that has Always throw me, but anyway, there we go. And lots of changes come in on the first of April. So when you are thinking about all of these changes, do check when they are happening.

And I definitely know some people that buy stamps ahead of the price rise. So if you know that you use stamps a lot, Um, or you're gonna plan ahead to sending out your Christmas cards later this year, then you might wanna buy stamps before that price rise. That would be incredibly organized. What I would do is buy those stamps and then forget where I put them and end up buying them again.

I do have a booklet of stamps somewhere that I bought last year and I only used one of them. So I must dig that out because that's probably like five quid right there. Exactly.

If you're suitably depressed by all of those price rises, don't worry, there is also some good news. So from April, your state pension is gonna rise, some benefits. and the national living wage will all go up as well. So that might help to offset some of those price increases. But also the new tax year brings new allowances for things like ISES. But make sure you've taken advantage of everything that you want to this tax year, and then you get a new allowance come April the sixth.

And in our next podcast, we've drafted in the Money Matters team to take you through all of your allowances for twenty twenty five. So don't miss that if you want to get planning for the next financial. And before we move on to our interview with Alison and Georgia, which is really upbeat and positive, I promise. I just wanted to flag one more thing and it's something that we have mentioned already in one of our previous podcasts, but it is worth a quick reminder.

And that is that the deadline to plug any holes in your national insurance contributions to make sure that you qualify for the full state pension is fast approaching. Now in general, you need 35 qualifying years to get the whole shebang. Up until the fifth of April, I told you there are lots of different dates in April. But up until the fifth, you can make voluntary contributions right up until twenty sixteen. After the fifth, you'll only be able to go back six years. Now

You should have heard this before, certainly. If you are a Money Matters listener, we do have a whole pod talking about this. You should have seen it in papers. There's been a big campaign. But if you're just hearing it and thinking, Cranky, I need to contact DWP. But hey, the phone lines are going to be absolutely chocker. It's okay. You can fill in an online callback request.

form and providing that you've done that before the fifth of April, you will still be able to make all of those top up payments. It could take eight weeks, maybe more, before you're contacted. But if you've got a screenshot of the form just to prove that you sent it. then you will be able to do that. And I just need to remind you that this won't be right for everyone. So do check before you make those top-ups. You can do that via the DWP's Future Pension Centre or the Pension Service.

But again, make sure you go to the legitimate sites because there are an awful lot of scams out there. And I've had a couple of phone calls from people claiming to be wanting to talk about national insurance just from mobile phone numbers, which is very strange and quite disconcerting. Moving on. Be careful out there. My favorite part of that whole bit was the use of the word crikey. I thought that was very good.

So next up, as promised, we persuaded a couple of brilliant women Flying Higher AJ Bell to chat to us about working in finance. how things have changed over the years, the different experiences they've had entering the industry more than a decade apart, and how they are helping lift each other up. It's a great listen. So here are AJ Bell's sales director, Alison Mollard, And her mentee, Georgia Swallow, who is AJ Bell's business development team leader, chatting to Danny.

Thanks so much for being with us. It's great to get The perspective from two women working in finance together, but coming from different points in their lives. So I I suppose I'm wondering about some of the differences. So Alison, let's start with you. How did you get started in finance and and why did you choose it?

Thanks. And thanks for inviting us. We um we we're delighted to be here, Georgia and I. So how I started in finance I think is quite unusual because I actually always wanted to go into finance. I wanted that as a career. So I did economics maths and politics A-level.

And actually I did have somebody who uh messaged me a few weeks ago saying, Can you remember you were the only woman in the politics A level class? And I thought, Was I? And the fact that I didn't even recognise that I was I always wanted to go into finance, so after that I did a financial services degree.

That is unusual. Um and I imagine in all of those classes, as you say with the politics one, were you mostly the only woman in the room? Yes. Yes. On the politics one, the only woman in the room. Um but Um, but again, I don't think I actually really realised that at the time. So um w definitely with the financial services degree, it was very male dominated.

um uh great degree to be on. It was actually the s only the second year that they'd ever done it back in nineteen ninety one. So they didn't even have a financial services degree. And I believe it's very popular now. What about you, Georgia? Uh had things changed by the time you started out and why did you start in finance?

Well, I am sort of the opposite to Alison. I actually fell into financial services. So I never sought after a financial services role at all. My A-levels were English, Business and Philosophy and Ethic. Felly, rydyn ni'n gwneud rhywbeth cyrraedd yn ysgrifennu. Rydyn ni'n ysgrifennu. Rydyn ni'n ysgrifennu'n ysgrifennu. Rydyn ni'n ysgrifennu. ymwneud yn mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd.

So you grabbed hold of it, but how did it come about? Well, I had my own ISA, erm, with AJ Bell. And that is the sole reason why I when the advertisement came up for an apprenticeship here at AJ Bell, the only reason why it caught my eye and why I went for it. Yeah, was it that was the first year of app apprenticeships that we did? Yeah, so we had the first year of apprenticeships that we did on the business development team. So I went on to be a bit of a guinea pig.

I was first apprentice, straight into a business development role. Yeah, it was XIL.

So you obviously work with Georgia now, you mentor Georgia. What what did you see in her and did you think That kind of reminds me of me when I started out. We have just been saying that in terms of how much she reminds me of myself. So Georgia is very... she's very good with people, which is part of the business development role, but she's very as well she questions herself.

Um, which again it can be a good thing in terms of making sure that when you're given information to the financial advisors, both Georgia and I, we s um we sell our products to financial advisors. So that's an attribute that is good for sales. But we've just seen straight away that she had the character to be part of the business development team.

Um and you know, at that point in our apprenticeship role, um which is a apprenticeship scheme, which is absolutely brilliant to AJ Bell, there actually wasn't many women who applied. it thankfully has changed now. Um, so yeah, but it was Georgia that we wanted in the business development team. So we waited our magic together. So you were still pushing boundaries then, Georgia? You were still a woman among a sea of male faces.

Yeah, definitely was. Um I think it's interesting business development is often perceived as a male dominated field, um, which similar to Alison where you know she Rydyn ni'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n mynd. ymwneud â nhw'n ymwneud â nhw'n ymwneud â nhw'n ymwneud â nhw'n ymwneud â nhw'n ymwneud â nhw'n ymwneud â nhw.

something that, you know, ever h held me back, um something that I took em a stride really. You both work with financial advisor. Have you Alison I'm gonna start with you'cause obviously you started out first. Have you ever come across a situation where people have not wanted to work with you or deal with you because you're a woman? How have you dealt with

So I started dealing with financial advisors when I moved to London in 2000. And so the role was and still is to, you know, ymwneud â nhw'n ymwneud â nhw'n ymwneud â nhw'n ymwneud â nhw'n ymwneud â nhw'n ymwneud â nhw'n ymwneud â nhw. So it was that there was one maximum two, including myself. So I you know, I always felt that I needed

To are probably overprepared. I felt as though I really needed to always be the best version of myself. I always needed to feel like Yn yw, yn yw, yn yw, yn yw, yn yw, yn yw, yn yw, yn yw, yn yw, yn yw, yn yw, yn yw, yn yw, yn yw, yn yw, yn yw, yn yw, yn yw, yn yw. Rydyn ni'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n amser.

And going that extra mile and making sure that you had all your I's dotted and all your T's crossed meant that you won over a lot of people, which I guess for you, Georgia, means that when you go into that room, people are not Thinking in the same way. Yeah, I think I've had a really positive experience where, you know, there's n now uh probably a lot more women advisors than than what there was back in the early two thousands. Um

And I think dealing with um male financial advisors has been a really positive experience so far for myself as well. I'd say maybe the the odd traditional male advisor who yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw. Sometimes it's kind of I I I always felt it it was the blonde thing. I would go into the room as this young blonde and and people would sort of

Almost dismiss me without giving me a chance to prove myself. And I kind of enjoyed being able to sort of. cut through the crap and say, hang on a second. Uh I absolutely can do this. And I guess, Alison, it gives you that sort of sense of There you go. Rydyn ni'n amlwg. Rydyn ni'n amlwg. Rydyn ni'n amlwg. Rydyn ni'n amlwg. Rydyn ni'n amlwg. Yn ymwneud, rwy'n ymwneud ymwneud ymwneud. Yn ymwneud ymwneud ymwneud ymwneud. Yn ymwneud ymwneud ymwneud ymwneud ymwneud ymwneud ymwneud ymwneud ymwneud.

How have you found it having Alison as a mentor? Uh it's been brilliant, Annie. I think the saying you can't be what you can't see. I can see. So having Alison as a mentor and soundboard has been absolutely massive for me. um in terms of my confidence and my progression. I think in all ways she's been just inspiring, whether it's to look at her own successes. or whether it's to come to with maybe a personal or sort of issue that I was half in. Um she's just been brilliant as as a soundboard.

Definitely. But that goes two ways. George is an absolute delight to work with. And the satisfaction I get from seeing the... You know, again, Georgia with in terms of what she does now, where she leads other apprentices within our company, she's done that job herself so she knows Mae'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n. 'Cause it's that mentoring that's so important. It's about bringing on

The next generation. I've heard so much about a queen bee syndrome where a woman climbs up and then when she gets there, she pulls the drawbridge up after her. But that is not the case. Predominantly in financial services. And it can't be because you know for me it is so important. I f you know, we've said we would George and I often talk about this.

Unfortunately when I started my career in finance there wasn't really any mentors um so and there wasn't really many women to to look and a aspire to. However, you know you know, we want to make sure the next people are are looking up to Georgia and Georgia's that inspiration and I do feel as though we do have that now in terms of role models. Rydw i mewn gwirionedd mewn gwirionedd mewn gwirionedd mewn gwirionedd mewn gwirionedd mewn gwirionedd mewn gwirionedd.

ac yn ysgrifennu ac yn ysgrifennu ac yn ysgrifennu ac yn ysgrifennu ac yn ysgrifennu ac yn ysgrifennu ac yn ysgrifennu ac yn ysgrifennu ac yn ysgrifennu ac yn ysgrifennu ac yn ysgrifennu. And you obviously enjoy doing that, Georgia, bringing people along with you. Yeah, of course I do. I mean, I've you know, do a similar role in terms of mentoring the yng Nghymru yng Nghymru yng Nghymru yng Nghymru yng Nghymru yng Nghymru yng Nghymru yng Nghymru

we need to speak about a work situation or whether it's maybe a medical situation somebody's going through. We've also we've all got that close bond and we're wanting to lift each other up. Um we deliberately uh take time to look at the different events that we've got internally here at AJ Bell when it is sort of women focused. We'll all deliberately come together and attend those as a group.

and then spend some time with each other afterwards, whether it's over some food or a coffee, just to have a chat and to evaluate what we've spoke about. So I think we've definitely got a good, close-knit relationship within the team. I plan to, you know, c continue. Do you think from the outside looking in people actually see that or they're still surprised that financial services is a place? for women to work but also to utilize as a customer.

I I do think it it does depend on how you perceive um, you know, the industry and the team as well. I think um yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw Rwy'n credu, yn ymwneudol, rwy'n credu bod pobl yn mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i.

I would certainly hope so, is about having a good culture. And I do think we have got that. We have a lot of internal moves to our team as well. So we want to make sure that we're a team. yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw. We talk about imposter syndrome, and I look back on my career and try and give examples of... how to how how to cope with that, how to, you know yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n.

If you could go back and talk to that young lass starting out Alison and give her one bit of advice, what would it be? Confidence, believe in yourself, I said. I probably lacked confidence in my younger years and gave myself a hard time. I'd come out of a meeting saying, could I have done better, could I? Give yourself a break, Alison. You know, be more confident. Um yeah, is probably what I would have said to my to my younger younger self.

you know, um and you know, trying to see trying visualise the the the the career progression that is ahead of you and um yeah. Georgia? Oh, I think um advice to myself would be I'd say similar, confidence. I think when I walked into the reception of AJ Bell ready for my assessment centre day, I looked around and got chatting to a few people and they'd spoken about

judge myself based on what other people had done. So I think if I could give myself some advice, just focus on me, focus on what I've done and be confident in that. We can't talk about this.

without addressing what's going on in the United States at the moment. Because there's been a real rollback in D E and I programs and some commentary that Maybe it's done. We've done all that needs to be done. It's all, you know, daisies and flowers and butterflies. Do you feel that we're as far as we need to go? Is the further progress that still needs to be made? And on the flip Are you proud of what's already been achieved? And Alison, I'll start with you.

So I believe i in my opinion, we have from when I started in the nineties, you know, we have made huge progression, but we're certainly not there at all, you know, and the statistics will show you that. Rydyn ni'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd i'n mynd.

Um, so we need to continue with making sure Mae'n ymwneudol yn ymwneudol, yn ymwneudol, yn ymwneudol, ac mae'n ymwneudol, mae'n ymwneudol, mae'n ymwneudol, mae'n ymwneudol, mae'n ymwneudol, mae'n ymwneudol, You know, we continue to get those statistics to be more of an even even less than Definitely. No, I completely agree. I think in terms of what we do within the UK to um to ensure we have women being on boards and in leadership roles, that's absolutely perfect, I think

that's great and we should continue to do that. Um, but I think maybe where the focus needs to come in is for The the likes of myself. a'r yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n yw'n y

um me and Alison might not have been sat here. So I think to drive that is is definitely what what's uh what's needed. And obviously, you know, um Byrna S. Helena Morris, yna, yw'r work she did with the 30% Club, yna, just need to carry on. It's, you know, what's been going on is... Yeah. It it feels like a setback, right? Yeah. Very much. So we need to keep shouting loudly and we need to keep having more voices like both of you.

Yeah, definitely. I think it helps. I think if people don't talk about it Mae'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'n ymwneud â'r hynny. That will then open up all the conversations within within work places. I would hope. Thank you both so much. It's been an absolute delight to talk to you. Really appreciate your time. Thank thank you, Danny. Thanks for inviting us.

Alison Mollard and Georgia Swallow there, really positive stuff. But my big question, Danny, is: did they share their financial companies? Couldn't let them get away without sharing it. And Alison's was one that we hear a lot, but George's, it was a doozy.

And before I let you go, this is the most important bit, this is the bit that Laura loves. This is time for your financial confession or dilemma. Who wants to go first? I think I I'll go first. Mine's um slightly silly, so as I say, I uh fell into the financial sector so um Um got my first proper paycheck that I'd, you know, ever had. Spent the entire thing on a pair of highlighter yellow at designer trainer. So not only was it financially irresponsible, it was also a massive fashion.

um dilemma, should we say? They've since been sold. It's good to say where are they? Yeah, no, they're gone. My friend mine's not as interesting, Jordan. I can't say any yellow suits or anything like that, unfortunately. Mine's um yeah, mine actually is. I should have put, working for a pensions company or my working career, I should have put more into my pension. I've made up for it the last few years, but looking back, you know, really should have.

found that extra bit to put in. Um and I would still admit that I Considering this is the industries that I'm in, is a bit of a um shameful one to uh to admit. It it's something that so many women that we've spoken to over the years on our Money Matters podcast that work in financial services often say exactly that. that they wish they'd done more and that they'd focused on other people's finances rather than their own. So you are not alone, Alison.

Georgia, you might be alone in the yellow training. I think so. I hope so. I love that and I also think whilst I'm all here for the sound financial planning and the investing early and paying money into your pension, I'm also here for the excitement at a first paycheck and splurging it. I think you've got to reward yourself for those big achievements in life.

I'm not sure neon yellow trainers though would top my list of something to splurge on. True, true. I I could see them in your wardrobe, Laura. Next time we host a Money Matters event, I'd like to see you in a pair.

That is all for this week's episode. We hope it's been helpful. A bit of a nudge to redraw your household budget so you know what is going on every month. Do get in touch with your money stories and if you've got any questions about the new tax year, your allowances, and investing in general, we want to hear.

Yes, we've got the Money Matters team on hand to talk you through the new tax year, all those fresh allowances and also some smart tips to get you started on the right foot for the new financial year. So don't forget to check out the AJ Bell Money Matters website, sign up to our newsletter and give us a like and review wherever you listen to your podcasts. Until next time, thanks for listening.

Before you go, please remember this podcast is for educational purposes. And the views expressed don't necessarily reflect those of AJ Bell. The podcast isn't telling you if a certain investment is suitable. Don't forget that the value of investments can And you can lose money as well as make it. It's also important to remember that how you're taxed will depend on your individual circuit. The way an investment process is a very important thing.

it behaves in the future. If you want help, go see a qualified financial advanced