Podcast
The Financial Navigator
Hosted by Raphael Vallier-Cotton — retirement and financial planning in plain English.
Hosted by
Raphael Vallier-Cotton
Format
Short, plain-English episodes
Where
Spotify & Apple Podcasts
About the show
The conversations we have with clients, made public.
Every episode, Raphael Vallier-Cotton walks through the questions families actually ask — about retirement income, taxes, insurance and the decisions that quietly compound over decades.
No jargon, no sales pitch. Just the reasoning behind good financial decisions, explained the way we would explain it across the table.
What we cover
Recurring themes on the show.
Retirement readiness
What actually determines whether your money lasts — and the assumptions most people get wrong.
Taxes in retirement
Why the tax bill often goes up after you stop working, and what to do about it early.
Market noise vs. signal
How to separate the headlines that matter from the ones designed to make you act.
Family money conversations
Talking to parents, partners and adult children about wealth without it going sideways.