What does it really take to run a modern football club, beyond what supporters see on a Saturday afternoon?

Recorded at Kenilworth Road, this special edition of Let’s Talk Finance sees Gary Cretton and Marcus Maisey joined by Luton Town CFO Tom Schofield and Senior Finance Manager James Turner to explore the financial realities behind the game. From budgeting and regulation to the sharp contrasts between leagues, the conversation reveals how strategy and sustainability shape day-to-day decisions.

At the centre is Power Court, the club’s new stadium development, and the long-term planning required to deliver it. More than a building project, it represents an investment in the club’s future, its community and its identity.

This episode offers a measured look at the balance between ambition and responsibility, and how careful financial thinking underpins performance, stability and a club built to last.

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In this special Budget edition of Let’s Talk Finance, Gary and Marcus cut through the speculation and noise to focus on what the Autumn Budget really means for your money.

With rumours swirling in the days before the statement, they explain which changes actually landed, which never materialised, and why this Budget is best understood as a slow-burn set of reforms rather than a sudden shock.

They explore the quiet impact of frozen income tax thresholds, why fiscal drag will affect far more people than many expect, and how pensions remain one of the most powerful planning tools despite years of headline anxiety. From salary sacrifice and childcare thresholds to tax-free cash, ISAs, dividend tax and savings income, this episode brings clarity to some of the most misunderstood areas of personal finance.

There is also a close look at property and rental taxation, the new high-value homes surcharge, and the sudden change to employee-owned trust exits for business owners. Finally, Gary and Marcus return to inheritance tax, outlining what did not change, what remains in motion, and what families should now be doing before future reforms arrive.

Measured, practical and grounded in real-world planning, this episode is about replacing fear with facts and using the next twelve months wisely.

To discuss your own circumstances, visit kdw.co.uk or speak to an independent financial adviser.

Disclaimer: This podcast is for information only. Please seek independent financial advice tailored to your personal situation.

For tailored advice and support, visit kdw.co.uk or come and see us in the heart of St Albans.

Hosted on Acast. See acast.com/privacy for more information.

In this episode, Gary and Marcus discuss the implications of the Spring Statement for pensions, inheritance tax, and estate planning. With pensions set to be included in estates for inheritance tax purposes from 2027, many long-standing strategies are being reconsidered.

They explore how financial planning has shifted, why reviewing your income and asset structure is now essential, and what steps you can take to reduce your exposure to inheritance tax.

Key points covered;

Pensions and IHT – Why pensions may no longer be the most efficient way to pass on wealth.

Estate structure – The growing importance of giving assets away during your lifetime.

Business Property Relief – What’s changing in 2026, and how it can still play a key role.

Generational planning – Involving family in your financial decisions to protect long-term wealth.

Legal considerations – The role of wills, marriage, and power of attorney in effective planning.

With tax rules evolving and thresholds frozen, proactive planning is more important than ever. The earlier you review your position, the more options you’ll have to protect your estate.

To discuss your own circumstances, visit kdw.co.uk or speak to an independent financial adviser.

Disclaimer: This podcast is for information only. Please seek independent financial advice tailored to your personal situation.

For tailored advice and support, visit kdw.co.uk or come and see us in the heart of St Albans.

Hosted on Acast. See acast.com/privacy for more information.