In this episode of A Taste of Financial Planning, Sarah and Dennis are joined by Toby Swallow, health coach, ageing disruptor and former world champion powerlifter.

Toby first joined us on our previous podcast, The Century Plan, where we explored the parallels between planning for your financial future and planning for your future health. This time, we invited him to join us around the table.

Over lunch, we talked about Toby's career as a powerlifter, the moment he realised strength and health are not the same thing, and why he now helps people think differently about what he calls their "health pension".

The conversation covers the basics many of us know we should pay attention to, but often avoid. Sleep. Movement. Strength. Protein. Fibre. Getting outside. Not waiting until something goes wrong before taking action.

There are also strong parallels with financial planning. Health and money are both areas where it is easy to assume we are "fine" until we are not. Both benefit from starting earlier. Both rely on good foundations. And both can shape the freedom and independence we have later in life.

Toby also shares his first food memory, involving sausage and beans, his first money memory, polishing his dad's army shoes to earn pocket money, and the money lessons he now tries to pass on to his own daughter.

And, as always, our guest brings a financial planning question for Dennis. Toby asks about pensions, the triple lock, the cost of living, and whether future retirees could face a much tougher retirement than the one many current retirees are experiencing.

There was also a quick mobility check. Dennis was involved. Photographic evidence exists.

Tomato consommé with cucumber, basil oil and a beautifully clear tomato broth.

Wild rabbit loin and croquettes, served with charred cauliflower, gem lettuce, carrots and a light rabbit jus.

• Why strength and health are not always the same thing
• Toby's journey from world champion powerlifter to health coach
• What Toby means by a "health pension"
• Why doing "something" for your health may not be enough
• Sleep, movement, resistance training, protein and fibre
• The link between food habits and family life
• Why future independence is about more than financial security
• Toby's first food and money memories
• Pocket money, chores and teaching children the value of earning
• Toby's question for Dennis about pensions, the triple lock and retirement planning
• Why your money needs to work hard for your future, and so do you

Toby Swallow is a health coach and ageing disruptor who helps adults build strength, mobility and resilience for later life.

A former world champion powerlifter and eight-time British champion, Toby now works with people who want to invest in their long-term health, not just chase short-term fitness goals. His work focuses on what he calls a "health pension", helping people stay capable, independent and active as they age.

Toby Swallow Coaching: https://tobyswallowcoaching.co.uk/

Yellowtail Financial Planning: www.yellowtail.co.uk

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.