In our second special summer episode of The Century Plan, we step outside the world of finance, but only just.

Dennis Hall and Sarah Steele are joined by Toby Swallow, a former world champion powerlifter turned strength coach, who now calls himself a health pension planner. His mission? Helping people build the physical reserves they’ll need for a longer, more independent life.

We explore the powerful parallels between financial and physical planning, from building long-term reserves to avoiding crisis-driven decisions. Toby shares personal insights, practical steps, and a clear message: wealth alone won’t protect you from frailty.

Whether you're planning for retirement, already there, or working with clients who are, this episode will challenge how you think about health, wealth, and what it really means to prepare for the future.

In this episode:

• Toby’s journey from powerlifting champion to health coach

• What it means to build your “health pension”

• The connection between VO2 max, bone density, and longevity

• Why functional fitness matters more than aesthetics

• How to start building physical reserves — at any age

• The cost of waiting until it’s too late

"Just because you look fit doesn't mean you're ready for what ageing brings. We plan financially, why not physically?"

🎧 Listen now and subscribe for more conversations on long-term thinking, financial wellbeing, and living a life that matters.

Host: Dennis Hall

Host: Sarah Steele

Contact us: ask@yellowtail.co.uk

Follow Toby on LinkedIn:
www.linkedin.com/in/toby-swallow/

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.

In the first of our summer specials, we’re joined by Dr. Daniel Crosby - psychologist, behavioural finance expert, and author of The Soul of Wealth.

Daniel’s work invites us to rethink wealth not as a number, but as something deeply connected to our values, our behaviour, and our vision of a meaningful life.

We explore:

• Why we often know the right thing to do with money, but still don’t do it

• The hidden power of “Enough is a decision”

• Why women often outperform men as investors

• How the PERMA model helps us plan for fulfilment, not just freedom

• The small wins that make delayed gratification easier

• Why vulnerability could be an advisor’s greatest strength

Whether you’re building your financial future or helping others plan theirs, this episode is packed with insight, warmth, and actionable ideas.

Learn more about Daniel’s book: The Soul of Wealth

🎧 Listen now and subscribe for more conversations on long-term thinking, financial wellbeing, and living a life that matters.

Host: Dennis Hall

Host: Sarah Steele

Guest: Daniel Crosby Ph.D

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.

In this season finale of The Century Plan, we wrap up our exploration of what often holds people back from engaging in financial planning. Throughout this season, we've tackled several common barriers and uncovered ways to overcome them. Here are some key factors we discussed:

• Difficulty connecting with our future selves: Many people struggle to envision their future and prioritise present desires over long-term goals.
• Perfectionism: The fear of making the "wrong" decision or not having all the perfect information can prevent action.
• Lack of time: We explored whether people truly don't have time for financial planning or if procrastination is the real issue.
• Decision overwhelm: With so many options available, the inability to make decisions can lead to inaction.
• Not knowing where to start: Financial planning can feel like a huge, overwhelming task, and not knowing where to begin stops many from taking action. We give you five actionable steps to help.
• Emotional barriers: Past financial mistakes or the emotional attachment to money can prevent people from taking the next step.
• Cost concerns: Many people hesitate to invest in financial planning due to concerns over cost, despite the potential for long-term savings.

If any of these resonate with you, you're not alone. Tune into this episode for a recap of the season and tips on how to get started with your own financial planning journey.

Useful information

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.