# QA45 - Listener Questions, Episode 45

Page: https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980/qa45-listener-questions-episode-45
Text version: https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980/qa45-listener-questions-episode-45.md
Podcast: [The Meaningful Money Personal Finance Podcast](https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980)
Published: 2026-04-15T06:00:00+00:00
Episode link: https://meaningfulmoney.tv/QA45
Audio file: https://traffic.libsyn.com/secure/meaningfulmoney/MMP617.mp3?dest-id=119595
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JSON: https://stenobird.com/v1/public/podcasts/the-meaningful-money-personal-finance-podcast-1082980/episodes/qa45-listener-questions-episode-45
Duration seconds: 2642

## Resource

In this episode of the MeaningfulMoney Q&A, Pete and Roger answer six listener questions covering a wide range of personal finance topics. We tackle a tricky inheritance tax situation involving a property bought in children's names, look at pension and ISA options for a daughter likely to spend her career working outside the UK, and offer some perspective on balancing financial sensibility with life's genuine passions. We also cover whether a minimal LISA contribution strategy actually works, how to manage the transition from 100% equities to a retirement asset allocation in the years before you stop work, and what income protection options exist for a young professional wanting to guard against long-term illness or injury. Shownotes: https://meaningfulmoney.tv/QA45 02:20 Question 1 Hello Peter and Roger (without a D) I am so pleased I discovered your podcast a few months ago, since then your words of wisdom accompany me on my daily dog walks and I have become the annoying older colleague in the office telling the younger colleagues about the power of compounding and contributing to the pension scheme. I have a rather unusual query I would really appreciate your view on and maybe the potential pitfalls we are experiencing would be of interest to other listeners as I have read lots of questions on-line about potential benefits of putting property in children's names. My parents retired to Spain 25 years ago, they cash-purchased a UK flat for when they come back 10 years ago. In a bid to avoid inheritance tax they bought this in mine and 3 siblings names (all in our late 40/early 50s). They did not seek professional advice, just assuming it was the right thing to do, which could be the morale of the story. Sadly my Dad recently died and as executor of his will I have…

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## Transcript

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