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.