IFA Talk: Recent Episodes
IFA Magazine
IFA Magazine‘s ground-breaking weekly editorial perspective on the news that is shaping the global investment and economic landscape.
Featuring exclusive conversations with the financial service’s most influential voices.
The Great Wealth Transfer is already underway, with trillions of pounds expected to pass from baby boomers to younger generations over the coming decades. But what does this mean for financial advisers, and is the profession ready for one of the biggest shifts in wealth the UK has ever seen?
In this week’s episode of IFA Talk, Meg Bratley and Sue are joined by Simon Hemley, Non-Executive Director and Board Adviser at Financial Solutions.
Together, they explore how the advice profession can prepare for changing client demographics, whether younger investors are at risk of turning to finfluencers instead of regulated advice, and what advisers need to do to remain relevant in the years ahead.
The discussion also looks at the continued wave of consolidation across the advice market, asking whether bigger really is better for advisers and clients, or whether independent firms still have an important role to play.
In this week’s episode of IFA Talk, the weekly podcast brought to you by IFA Magazine, we unpack what a Burnham Government might mean for advisers.
Joining us to share her insights is Rachel Vahey, Head of Public Policy at AJ Bell. Rachel discusses renewed speculation surrounding pension tax-free cash, outlining how seriously advisers should be taking the speculation. She also makes suggestions for some realistic reforms, should changes come to fruition.
After that, we move on to inheritance tax (IHT), after the previous government had already set things in motion to bring unused pension funds into IHT from next April. With suggestions the new administration could look again at exactly how that's implemented, Rachel reveals what she believes a Burnham government is most likely to do regarding pensions and IHT, and how advisers should be preparing clients while there's still so much uncertainty.
Finally, we dive into the topic of ISAs, which have been another area of discussion among several governments. Rachel outlines the changes which the government have already put in place, highlighting the biggest differences for advisers and their clients, before speculating on whether there’s a chance that these changes could be reversed down the line.
In this week’s episode of IFA Talk, the weekly podcast from IFA Magazine, we’re unpacking the topic of AI in advice and the importance of clean data.
With the help of Rory McLaren, Chief Technology Officer at Dynamic Planner, we explore why high-quality data is the biggest challenge for firms and the foundation of effective AI. Rory reveals why it’s impossible to unlock AI’s true potential without getting the foundations right.
There's a temptation to add AI to every process, but that’s not always the right approach. Rory details how firms should decide where AI genuinely adds value, and where traditional technology or human expertise remains the better option.
Then, we discuss the ‘first principles’ approach to redesigning the advice journey, before Rory gets his crystal ball out to predict where he expects AI will make the biggest long-term difference when built from the ground up.
Be sure to check out this episode and all other episodes of IFA Talk on Spotify, Apple Podcasts, and Amazon!
In the latest special Mortgage & Property edition of IFA Talk, we explore what it takes to build a successful and sustainable mortgage advisory business, from attracting new clients and generating referrals to improving business performance and preparing for future growth.
To discuss these important topics, hosts Meg and Sue are joined by Terry Blackburn, Founder and CEO of The Wealthy Advisers Club, the UK's leading community for financial advisers, mortgage brokers and protection specialists. Having worked with hundreds of adviser firms through coaching, mentoring and business development, Terry shares practical insights into the habits, systems and strategies that help the industry's top-performing businesses thrive.
Highlights include:• The key characteristics that separate successful mortgage brokerages from the rest of the market
• Practical strategies for attracting new clients, generating referrals and building long-term business growth
• Why systems, processes and client experience are essential to creating a sustainable and profitable advice business
• The opportunities and challenges shaping the future of mortgage advice, and how firms can position themselves for long-term success
This episode provides valuable insight for mortgage brokers, advisers and industry professionals looking to strengthen their businesses, improve client outcomes and gain practical ideas for sustainable growth in an increasingly competitive market.
In this week’s episode of IFA Talk, we discuss the topic of bereavement support and the ideal time for it to start.
Joining us to do this is Sam Patterson, Head of Proposition at Equilibrium Financial Planning. Together we break down what bereavement support looks like, and why it should begin before a client or their family reaches a point of crisis.
We also discuss the idea of dress rehearsals in bereavement support, outlining the sorts of questions which advisers should be answering to alleviate concerns in a sensitive manner.
After that, Sam details some of the specific areas which advisers should cover, from income continuity to wills and responsibilities.
Lastly, we ask Sam to explain how advisers can balance the technical side of financial planning with the human side, showing compassion and clarity which their bereaved clients will surely need.
In this month’s special Tax-Efficient Investment (TEI) edition of IFA Talk, we’re discussing the role of Venture Capital Trusts (VCTs) in an everchanging tax landscape.
Joining us to do this is Will Fraser-Allen, Managing Partner at AlbionVC. Together, we’re focusing on how the role of VCTs is evolving in response to changes in the UK tax landscape, along with the opportunities emerging across the UK's innovation economy.
Will answers why focused capital is so important as we look to scale the next generation of successful businesses, along with the areas where he sees the biggest opportunities. He also breaks down the recent Budget changes to VCT tax relief and dividend taxation, answering what impact he expects the move to 20% relief to have on advisers and their clients, and why he believes the underlying VCT investment case still holds despite these changes.
Meanwhile, with growing interest in deeptech startups, Will shares how AlbionVC is aligning with these trends, and the opportunities which they are seeing across the sector. Lastly, Will reveals where he sees VCTs fitting within a balanced portfolio in 2026, before outlining what advisers need to be looking for in a VCT manager.
In this week’s episode of IFA Talk, the weekly podcast from IFA Magazine, we explore the continued rise of DIY investing, what investors should look for beyond platform costs, and how advisers can help clients build resilient portfolios in an increasingly complex investment landscape.
To discuss this further, Meg and Jenny are joined by Rohit Vaswani, Director of Investment & Client Solutions at Omnis. Drawing on nearly two decades of industry experience, Rohit shares his views on why professional financial advice remains invaluable despite the growth of low-cost investment platforms.
Rohit also discusses the importance of understanding risk tolerance, constructing portfolios that can weather changing market conditions, and how technology is shaping the future of investing.
For advisers, this episode offers valuable insight into investor behaviour, the role of platform selection beyond price alone, and practical approaches to helping clients stay focused on their long-term financial goals through periods of market uncertainty.
In this month's special New Insurance and Protection episode of IFA Talk, we explore how artificial intelligence is reshaping the insurance and protection landscape and ask whether it can help close the protection gap while improving access for underserved clients.
To discuss this, Meg and Sue are joined by Jake Attfield, Head of Strategy at Fair4All Finance. Jake shares his insights on the opportunities and challenges AI presents for insurers. Together, they discuss whether AI risks reinforcing existing barriers through underwriting and product design, or whether it has the potential to deliver fairer, more inclusive protection solutions.
Jake also explores the importance of governance and tackling algorithmic bias as insurers continue to invest in AI-driven technologies.
The episode also looks at the role of alternative protection models, including pay-as-you-go cover, micro-insurance and parametric insurance, and considers how regulatory initiatives and the Government's Financial Inclusion Strategy could help drive greater innovation and inclusion across the market.
In this week’s episode of IFA Talk, the weekly podcast from IFA Magazine, Matt Williams and Sue Whitbread explore the growing investment confidence gap across generations and what advisers can do to help bridge it.
New research from NatWest reveals that the average Brit doesn’t make their first investment until the age of 34, despite younger generations showing increasing curiosity about investing. While Gen Z appears the most eager to engage, many still lack the confidence to take that crucial first step.
Joining us on the podcast this week is Aroma Khan, Financial Planner at NatWest, who shares insights from the research and discusses what she believes the findings mean for advisers working across different client demographics.
For advisers, this episode offers valuable insight into how attitudes towards investing differ by generation and where the profession has an opportunity to educate, guide and empower clients earlier in their financial journey.
In this week’s episode of IFA Talk, we unpack the topic of succession planning, with many financial planners now approaching retirement. Joining us to do this is Chris Ball, CEO of Hoxton Wealth.
Chris outlines the practical steps which firms can take now to protect clients, and what those financial planners should be considering. He also reveals how Hoxton Wealth approaches succession planning.
After that, we ask Chris to take a look back a few decades, to detail how succession planning has changed since the turn of the century.
Lastly, Chris shares how he expects technology to impact succession planning over the next 10-20 years, as AI continues to transform how businesses operate.
In this week’s episode of IFA Talk, the weekly podcast from IFA Magazine, we discuss the behavioural science side of complaints, and how such complaints affect financial advisers.
Joining us to do this is BareRock’s COO John Netting and Head of Behavioural Science & CXO, Babs Crane. Together, we unpack how and why advisers react to complaints, which can often feel like personal attacks to them.
We also discuss BareRock’s recent report, which aims to flip the script on traditional guides, looking instead at the psychology of the finanacial adviser.
The report suggests that many disputes are caused more from a lack of client understanding, with clients nodding along to avoid appearing confused or asking questions they feel might be obvious. John and Babs explain the social psychology behind this and suggest how advisers can break throough that barrier.
We also dive into how the human memory can naturally rewrite history when things go wrong, and how mistakes can change a client’s psychology in different ways depending on how those mistakes are discovered.
Be sure to check out this episode and all other episodes of IFA Talk on Spotify, Apple Podcasts, and Amazon!
Also, listen to the Brooks Macdonald episode, mentioned in this podcast, by clicking here!
John Netting (COO of BareRock): John has spent over two decades managing complaints at the coalface for financial advisers. He understands exactly where firms break down, the emotional toll a single dispute takes on support staff, and how transactional client relationships breed claims.
Babs Crane (Head of Behavioural Science & CXO at BareRock): Babs holds an MSc in Consumer Psychology and a BSc (Hons) in Psychology. She is the scientific engine that explains why clients act the way they do. She can talk brilliantly on concepts like the Ebbinghaus Forgetting Curve (why clients legitimately forget risks explained to them), Hindsight Bias, and how power dynamics cause clients to nod along when they are actually drowning in cognitive overload.
In the latest special Mortgage & Property edition of IFA Talk, we explore the evolving later life lending landscape, with a particular focus on adviser support, Consumer Duty, advice quality and the growing need for specialist expertise within the sector.
To discuss these important issues, hosts Meg and Sue are joined by Mark Gregory, Founder and CEO of Equity Release Group. Having spent more than a decade developing technology, advice processes and consumer platforms in the later life lending market, Mark shares the thinking behind The Equity Release Network (TERN), a new specialist network designed to support advisers operating in this increasingly complex area of financial services.
Highlights include:
• The challenges currently facing advisers working within the later life lending market, and how support structures need to evolve
• The role of training, technology and compliance in helping firms deliver strong customer outcomes under Consumer Duty
• Why specialist network models may become increasingly important as adviser and consumer needs continue to change
• The potential impact of greater adviser support on market growth, confidence and access to later life lending advice
This episode provides valuable insight for advisers, brokers and industry professionals looking to better understand the future of later life lending, the importance of advice quality and the changing support requirements of advisers operating in this specialist market.
In this week’s episode of IFA Talk, the weekly podcast from IFA Magazine, we discuss what needs to change to bring more consumers into investing. Joining us to do this is PIMFA’s Director of Government Relations and Policy, David Ostojitsch.
Despite the government’s clear focus on pushing retail investing and closing the advice gap, there are clearly still some barriers in the way. David reveals what he thinks needs to change to bring more consumers into investing.
He then moves on to discuss PIMFA’s latest research, which found that 63% of firms don’t currently plan to offer Targeted Support, even though they think it will support people to make better financial decisions. David answers why he believes the adoption rate is so low, before outlining what clarity firms need before moving forward with simplified advice.
Lastly, we ask David whether there is a genuine shift in regulatory pressures, which appear to have eased slightly. He shares advice for advisers, outlining what they should focus on over the next 12 months.
In this month’s special Tax-Efficient Investment edition of IFA Talk, the podcast from IFA Magazine, we are joined by PXN Group’s Caroline Flagg to discuss the big opportunities in tax-efficient investing, in particular surrounding Business Relief.
Caroline, who is Deputy Managing Director of the PXN Investments retail business, joins us to discuss the everchanging role of Business Relief in tax-efficient investing, with new changes set to take effect from April 2027. She also recounts the recent merger of Par Equity and Praetura Ventures, which formed PXN Group, revealing what has changed for the company.
We then chat about the areas in the market where PXN sees real opportunities for advisers. And finally, Caroline outlines the key planning discussions which advisers should be having today, to prepare them for upcoming reforms.
In this week’s episode of IFA Talk, the weekly podcast from IFA Magazine, we unpack intergenerational wealth transfers and the factors which might affect clients.
Joining us is Tara Gillespie, the Co-Head of Investment at Gallagher. Together, we discuss the contrasting priorities between the younger generation and their parents, along with digging down into the lessons which wealth managers can take on board.
Tara also reveals the biggest gaps in how the industry approaches the great wealth transfer.
This week on IFA Magazine’s IFA Talk podcast, we explore what keeps advisers loyal to discretionary fund managers, how retirement income planning is evolving, and whether smaller independent IFAs can still compete in a rapidly changing advice market.
To discuss this further, Meg Bratley and Jenny Hunter are joined by Ian Kloss, Head of Intermediaries at RBC Brewin Dolphin, to unpack some of the biggest themes currently shaping the adviser landscape.
What does this episode feature?
- What really drives long-term adviser loyalty to a DFM
- Why retirement income planning has become more challenging
- Whether smaller independent IFAs can still compete amid market consolidation
- How client expectations of advisers and DFMs have evolved over time
- Ian’s key takeaway for advisers navigating today’s market
The conversation explores what really strengthens long-term relationships between advisers and DFMs, and why factors such as service, trust, communication and consistency are often just as important as investment performance.
In the latest special Mortgage & Property edition of IFA Talk, we explore one of the more underserved areas of the UK mortgage market, with a particular focus on Islamic finance, homeownership accessibility and the growing role of specialist lending solutions.
To discuss this important topic, hosts Matt and Sue are joined by Sakeeb Zaman, Founder and CEO of StrideUp, one of the UK’s leading Islamic fintech businesses. As conversations continue around underserved borrowers, financial inclusion and innovation across the mortgage sector, this episode examines how shariah-compliant finance is evolving and what advisers and brokers should understand when supporting clients with specific faith-based requirements.
Highlights include:
· The current challenges facing Muslim borrowers in the UK mortgage market
· How brokers can better support clients seeking shariah-compliant finance solutions
· The balance between fintech innovation, scalability and remaining fully faith-aligned
· Why transparency and education remain crucial within Islamic finance
This episode provides valuable insight for advisers, brokers and mortgage professionals looking to deepen their understanding of Islamic finance and the wider conversation around accessibility, inclusion and innovation within the UK housing market.
This week on IFA Talk, Sue and Matt are joined by financial planner, Craig Palfrey, Founder at Penguin, for a conversation that goes far beyond the technical side of estate planning.
With pensions facing IHT from 2027 and intergenerational wealth planning becoming a growing focus for advisers, Craig explains why the real value of financial planning increasingly lies in human engagement, behavioural coaching and building long-term relationships with clients AND their families.
The discussion also explores why emotional intelligence and communication skills are now just as important as technical expertise, if not more so, how advisers can use AI in practical ways without losing the personal touch, and what the best advice firms will look like over the next five years.
Along the way, Craig shares practical ideas and processes advisers can implement within their own firms to strengthen client relationships and create financial plans built to stand the test of time.
In this month’s special New Insurance & Protection edition of IFA Talk, we unpack how organisations are using AI, with the help of Vitality AI’s CEO, Emile Stipp.
Together, we unpack whether the true extent of AI benefits is being overlooked, in favour of just praising its efficiency. We also discuss how AI can improve customer communication and outcomes, and what that means in the context of Consumer Duty.
Emile also reveals how Vitality AI’s extensive range of data and their recent partnership with Google can help shift insurance from reactive to proactive, before answering the big question, is there enough trust in AI today to make all of this a reality?
In this week’s episode of IFA Talk, we explore how advisers can support client outcomes in an increasingly uncertain and volatile market environment.
With geopolitical tensions and global events continuing to drive market movements, advisers are once again helping clients navigate periods of instability. In this conversation, IFA Magazine’s Matt Williams and Jenny Hunter are joined by James Tothill, Investment Specialist at Wesleyan, to unpack what this means in practice for advisers and their clients today.
The discussion begins with how clients are reacting to ongoing volatility and the risks associated with short-term decision-making. As markets shift, the temptation to act quickly can be strong, but as the episode explores, these decisions can have lasting consequences for long-term financial plans.
Diversification remains a central theme, but the conversation moves beyond theory to focus on what effective diversification really looks like in today’s environment. The episode also highlights the challenges advisers face when supporting more sensitive clients, particularly those approaching or in retirement, where sequencing risk and emotional responses to market movements can be more pronounced.
The discussion is full of practical and implementable solutions as James shares insights into how smoothed funds can help manage volatility and support more consistent outcomes over time, as well as how advisers can assess suitability in the context of evolving client needs.
A timely and practical listen for advisers supporting clients through uncertain markets.
*** This episode was recorded on the 22nd of April 2026
In this month’s special Tax-Efficient Investment edition of IFA Talk, we welcome Gresham House’s Anthony Crosbie-Dawson to the studio.
Together, we discuss the UK ‘timber gap’, a long-term investment which creates an interesting opportunity for investors and one that’s highly tax-efficient.
Anthony reveals how recent Budget changes have impacted the appeal of forestry to investors, highlights the inheritance tax benefits as well as the broader tax-efficient environment for forestry , and outlines the key attractions of investing in UK timber, along with a discussion about the main risks that investors face when investing in long term, illiquid assets such as forestry.
We also break down the pricing in secondary forestry funds, with Anthony explaining what is driving this market, and who this form of investing is most suitable for. Lastly, Anthony looks ahead, sharing his long-term outlook for the UK timber industry.
Now live: The latest episode of IFA Talk is available to listeners. This week, we explore how bespoke portfolio services and tax-efficient structuring are helping advisers deliver better client outcomes in an increasingly complex environment.
To unpack this, Meg and Sue are joined by Adam Temple, Senior Investment Director - Head of London at Brooks Macdonald. As the firm celebrates 35 years of serving clients, Adam shares how its bespoke portfolio service is designed to help advisers deliver more tailored, tax-efficient solutions while adapting to ever-changing client needs and market conditions.
This week’s conversation covers:
- Bespoke portfolio services in practice: Where BPS fits within an adviser’s proposition
- What sets BPS apart: Key differentiators in a competitive market
- Tax-smart structuring: Supporting more efficient long-term planning
- Looking ahead: How portfolio solutions are evolving with changing client needs
You can explore Brooks Macdonald’s Bespoke Portfolio Service range mentioned within the podcast here:
https://www.brooksmacdonald.com/financial-advisers/services-funds/bespoke-portfolio-service
This week on IFA Talk, in partnership with Evelyn Partners, we take a deep dive into passive investing, and how it has evolved over the years.
Joining Matt and Sue to unpack this is Dan Caps, who heads up Evelyn Partners’ Index MPS proposition. Dan guides us through the changes to passive investing over the years, looking at not just costs, but some of the other factors which are drawing investors towards those passive investment strategies.
He also alleviates some of the concerns around concentration and index construction, revealing how companies like Evelyn Partners can ensure that portfolios remain resilient despite the challenges they face.
Now live: the latest New Insurance & Protection special episode of IFA Talk turns its attention to inheritance tax planning and the growing role of protection-linked investment solutions.
In this episode, hosts Meg Bratley and Jenny Hunter are joined by Gordon Pugh, Investment Director at Blackfinch Investments. Gordon discusses how advisers are approaching inheritance tax (IHT) planning today and explores the concept of insured IHT investing in practice, including how it can support more confident client decision-making.
Highlights from this week’s episode
- What does insured IHT investing look like in practice?
- Why clients delay IHT planning, and how to change the conversation
- Where insured investing fits, and where it doesn’t
- Blackfinch Adapt IHT Insured Service explained
Key takeaways for advisers
Gordon closes the discussion with practical insights and top tips for advisers navigating inheritance tax planning conversations in today’s environment. This episode provides a timely and practical look at how advisers can help clients approach inheritance tax planning with greater confidence, clarity and structure, particularly where investment and protection solutions intersect.
In this week’s episode of IFA Talk, in partnership with Minerva Fund Management Solutions (Minerva), we explore how some firms are rethinking the structure of their investment proposition, using a unitised investment solution.
Today, advisers are faced with more choice than ever when it comes to investment propositions, including in-house advisory, MPS and bespoke DFMs. There is no shortage of ways to deliver investment outcomes for clients.
But with that choice, complexity can follow. For some firms, there is a sense that none of the existing options quite strike the right balance between control, consistency and scalability. But is there a middle way?
Joining us to break this down is Minerva’s Managing Director, Chris Edmeades. He outlines where growing advice firms typically start to feel pressure in their investment approach, the limitations of traditional advisory, model portfolio and outsourced solutions, and what a middle ground might look like in practice using a unitised fund approach.
Chris also reveals how firms can retain control while improving efficiency and governance, along with the types of firms this approach may suit best.
This episode offers a practical and thought-provoking perspective on how advisers can structure their investment approach for the future.
Now live: In the latest special Mortgage & Property Investment edition of IFA Talk, we explore the evolving mortgage landscape, with a particular focus on the growing role of long-term fixed-rate mortgages and how innovation could help shape the future of the UK housing market.
To discuss this further, hosts Meg and Jenny are joined by Colin Bell, Co-founder and Chief Operating Officer of Perenna, the fintech mortgage bank focused on bringing long-term fixed-rate mortgages to the UK market. With growing interest in product innovation and increasing pressure to improve housing supply, this episode examines how the mortgage market is adapting, and what it means for advisers and brokers.
What’s covered in this episode:
- The growth of long-term fixed-rate mortgages in the UK and what’s driving increasing demand
- How Perenna has developed and its mission to bring greater stability to borrowers
- The potential role of funding innovation, including covered bonds, in supporting mortgage market expansion
- How product innovation could help support the delivery of Labour’s 1.5 million new homes target
- What these developments mean for advisers and brokers navigating a changing mortgage landscape
- Key takeaways for those working across the mortgage market today
This episode provides valuable insight for advisers and mortgage professionals navigating an ever-changing market, offering perspective on long-term fixed-rate products, innovation in lending, and further insight into how the sector can evolve to support future housing demand.
In this week’s episode of IFA Talk, we explore how investment platforms can demonstrate real value during periods of heightened uncertainty. And what advisers should expect from them when markets are unsettled.
Joining us to break this down is Linda Johnstone, Head of Investment Proposition at Novia Global. At a time when geopolitical tensions and market volatility are front of mind, the conversation centres on a key message for advisers and investors alike: which is to stay calm, but don’t stand still.
Linda shares practical insights into how platforms can support advisers and clients when uncertainty rises, including why staying calm matters, but passivity isn’t the answer. She also outlines the role of platforms in uncertain markets, the challenge of legacy technology, what good platform design should deliver, and how to keep a long-term perspective.
In this month’s special Tax Efficient Investment edition of IFA Talk, we’re exploring why tax-efficient investment schemes are becoming an increasingly important part of a well-diversified portfolio.
Mei Lim, Managing Partner at Anthemis, joins us to explain why that shift is happening, what it means for UK scale-ups facing a persistent funding gap, and the crucial role private capital can play in driving growth.
Mei also outlines why domestic investment matters, not just for returns, but for keeping intellectual property, talent, and high-value jobs here in the UK.
In this week’s episode of IFA Talk, Meg Bratley and Sue Whitbread are joined by Jamie Sexton, Chief Client Officer at True Potential, to explore the fast-evolving role of AI in financial advice and what it means for the future of the profession.
As technology continues to reshape the advice landscape, the conversation focuses on where AI is having the greatest impact today, from supporting basic guidance to enhancing more complex, high-touch advice. Jamie shares his perspective on how advisers can think about AI not as a threat, but as a practical tool to help close the advice gap and improve outcomes for clients.
The episode also dives into what meaningful AI integration actually looks like in practice. Beyond simply saving time, the discussion explores how firms can measure success, embed technology effectively, and ensure it enhances both operational efficiency and the overall advice proposition.
We also look at the client experience and how technology can go beyond efficiency gains to play a deeper role in building trust, identifying client needs earlier, and strengthening long-term relationships.
We wrapped things up by asking Jamie for his key takeaways, offering practical insights for advisers looking to navigate the intersection of AI, regulation and client engagement.
In this week’s episode of IFA Talk, Jenny Hunter, Deputy Editor of IFA Magazine, and Editor Sue Whitbread are joined by Anthony Villis, Managing Director and co-founder of First Wealth, to discuss the real value of financial planning.
While investment performance often dominates client conversations, the discussion explores how the true value advisers provide often lies elsewhere. Anthony shares his thoughts on how advisers can move conversations beyond short-term returns and towards purpose, long-term goals and better financial decision-making.
The episode also touches on the role of human behaviour in how people manage their money. Anthony explains how biases and emotions can influence client decisions, and how advisers can help clients stay focused on the bigger picture during times of uncertainty or market volatility.
We wrapped things up by considering what a great long-term adviser might look like in the future, and how the profession may continue to evolve as planning, behavioural coaching and deeper client relationships become even more important.
We could have chatted to Anthony for much longer than we had time for, so I’m sure we’ll see him again on the podcast soon to chat about even more interesting topics.
In this week’s episode of IFA Talk, we unpack one of the biggest challengers facing advisers; helping clients stay calm when markets become uncertain.
In such turbulent times, good advice really matters, not just in terms of building financial plans, but in helping clients manage the emotional side of investing and avoid making mistakes from short-term overreactions.
This week, James Sullivan, Head of Partnerships at Tyndall Investment Management, joins us to discuss how advisers can prepare clients for turbulent periods, communicate effectively during uncertainty, and keep conversations focused on long-term outcomes.
Now live: This month’s New Insurance & Protection special edition of IFA Talk tackles a critical question for advisers: how can clients be best supported through a cancer diagnosis, and what role should protection planning play in that journey?
In this episode, Meg Bratley and Jenny Hunter are joined by Mark Stephenson, CEO of Reframe Cancer, to discuss how advisers can help clients navigate cancer support, the evolving landscape of patient needs, and where opportunities lie for proactive guidance and tailored protection solutions.
What this episode covers
- Key shifts in cancer care and patient expectations that advisers should be aware of
- How advisers and insurers can improve support during diagnosis, treatment, and recovery
- The role of specialist cancer navigation and why it can make a real difference for clients
- Practical opportunities and challenges for advisers over the next 12–18 months
This episode is essential listening for advisers looking to enhance their client support offering, understand the practical impact of a cancer diagnosis, and explore how tailored protection solutions can provide reassurance and guidance when clients need it most. In a market where empathy, expertise, and proactive guidance matter more than ever, this episode underscores why being equipped to support clients through serious illness is not just good pra
AI continues to dominate conversations across the advice profession and it remains one of the most popular topics with readers of IFA Magazine. But beyond the hype, what does AI actually mean for financial advisers in practice? Is it friend or foe?
In the latest episode of the IFA Talk podcast, hosts Sue Whitbread and Matt Williams explore how AI is beginning to reshape the advice process. Joining them is Mark Whitcroft, CEO and co-founder of PlannerPal, an AI-powered workflow tool designed for financial advisers and wealth managers.
What AI means for advisers
PlannerPal helps firms automate and streamline time consuming processes such as meeting notes, document reviews and CRM updates, working alongside the systems advisers already use. In this conversation, Mark shares what he is seeing as more advice firms start integrating AI into their businesses.
Together they discuss how AI is changing advisers’ day to day work, the common mistakes firms make when adopting new technology, and how AI could improve outcomes for clients.
Protecting the human side of advice
They also address the big question many advisers are asking, whether AI could threaten the human side of advice. As the discussion highlights, the real opportunity may lie in using technology to reduce admin and give advisers more time to focus on their clients.
Now live: The latest Mortgage & Property Investment special edition of IFA Talk explores the evolving Near Prime mortgage market and the ways lenders and technology are supporting borrowers with adverse credit.
In this episode, hosts Meg Bratley and Jenny Hunter are joined by Richard Harrison, Head of Mortgages at Atom Bank. Richard shares his insights into the rising activity in the Near Prime segment, the challenges advisers face when working with these clients, and practical approaches lenders are taking to help borrowers rebuild their credit and gradually regain Prime status.
Key discussion points include:
- The factors driving growth in the Near Prime mortgage market
- How technology is improving the experience for advisers and borrowers in the adverse credit space
- Common challenges advisers encounter when supporting Near Prime clients
- Lender strategies to help borrowers rebuild credit and progress towards Prime status
- Practical guidance for advisers on collaborating with lenders in this dynamic market
This episode provides valuable insight for brokers and mortgage professionals navigating the Near Prime segment, offering guidance on trends, technology, and lender approaches that can help advisers support clients with more complex credit profiles.
Be sure to check out this episode and all other episodes of IFA Talk on Spotify, Apple Podcasts, and Amazon, and visit the Mortgage & Property tab on the IFA Magazine website for the latest news and insights.
Markets have been shaken again with the continuing war in the Gulf adding fresh uncertainty for advisers and clients alike. With the busy end of the tax year period already underway, many advisers will also be fielding anxious calls from clients asking what they should be doing with their portfolios.
Recording this episode of IFA Talk on March 9th, Sue and Matt speak with Trevor Greetham, Head of Multi Asset at Royal London Asset Management, about how advisers should approach long-term investment strategies during periods of heightened market volatility, such as we’re seeing right now.
The conversation explores the importance of diversification at a time when traditional asset relationships have been tested, the potential role of alternatives such as property and commodities, and the growing risk of “spikeflation” driven by energy markets and geopolitics.
Trevor also explains how his Investment Clock framework can help advisers interpret the economic cycle and think about active asset allocation in a more uncertain environment.
In this month’s special Tax-Efficient Investment edition of IFA Talk, in partnership with Octopus Investments, were focusing on the last-minute changes to the proposed unquoted Business Relief allowance.
Joining us to do this is Toyin Oyeneyin, Tax Product Specialist at Octopus Investments. This will be Toyin’s third time on the podcast, having joined us most recently alongside her colleague Tim Dickens for our January episode, which was recorded shortly after the Budget in December.
That episode was recorded just days before the government’s change to the proposed unquoted Business Relief allowance, increasing it from £1 million to £2.5 million.
In today’s episode, we unpack that change, along with the upcoming reduction of IHT relief on AIM shares, which will decrease to 50% from next month. Toyin also explains how advisers should navigate the complex estate planning landscape, and what these changes mean from an intergenerational perspective.
In this week’s episode of IFA Talk, IFA Magazine’s weekly podcast, we’re diving into retirement planning with a difference, looking at both the psychology of it and the financial aspects.
Supporting clients with retirement planning is a key area of every financial adviser’s business, but the best advisers go a step further. Joining us to explore this topic is James Woodfall, a former financial adviser who has done some interesting work on retirement psychology.
Together, we discuss James’ recent research into retirement psychology, what advisers are doing to help their clients transition to retirement successfully, and what advisers should consider doing more of, to help their clients thrive in their retirement.
In this week’s episode of IFA Talk, IFA Magazine’s weekly podcast, we focus on data, talking about how advisers can turn raw client information into really personalised financial planning.
Joining us to do so is by Rowan Whittington, Chief Product Officer at Dynamic Planner. Rowan sits on the Senior Leadership Team and leads on new and emerging initiatives across the business. She’s got a particular focus on Tram, their white-labelled mobile app designed to support digital advice journeys.
Together, we’ll discuss what ‘good data’ really looks like inside a modern advice business, and how client behaviour is changing with the real-time digital access they have now.
Along with that, we’ll also dive into the ever-present topic of AI, asking what the next five years of AI and automation might mean for data-led advice.
Now live: This month’s New Insurance & Protection special edition of IFA Talk explores a key question for advisers: in protection terms, is whole of life the only solution for long-term inheritance tax planning?
Hosts Meg Bratley and Sue Whitbread are joined by Ken Maxwell, Director at JLHO, as the company marks its 65th anniversary, to reflect on how protection advice has evolved over the decades, how today’s market compares to previous cycles, and what advisers should be focusing on when structuring high-value cover.
What this episode covers
The discussion explores whether whole of life remains the default solution for long-term IHT planning, how advisers can combine term and whole of life policies to manage premiums effectively, and why insurer capacity and contract flexibility remain important considerations in today’s market.
Drawing on decades of experience, Ken shares practical insights into building robust, client-focused protection strategies designed to stand the test of time.
In this week’s episode, Matt and Sue are looking into one of the most consistent challenges faced by advice firms: technology complexity.
They are joined by John Milliken, CEO of Defaqto, to talk about how advice businesses can move from integrating multiple tech platforms to a more unified operating model. Advisers regularly face the frustration of juggling many different software platforms that don’t talk to each other, creating inefficiencies and compliance risks too.
In this episode, Matt, Sue, and John discuss:
- Integration vs. unification: What this shift means for advisers and why it matters.
- Adviser pain points: Where current tech stacks fall short and how firms are feeling about being weighed down by complexity.
- Day-to-day changes: How a unified operating model can simplify workflows, strengthen compliance, and give advisers more confidence.
- Managing change: How firms can adopt new technology at a pace that works for their business.
- Key takeaways: John’s top insights for advisers navigating technology challenges.
Listen now to hear how things are changing in the adviser tech world that look set to transform the efficiency and effectiveness of many advice businesses in future.
In this episode of IFA Talk, we’re talking all things paraplanning and why the role continues to grow in importance across the advice profession.
Jenny and Matt are joined by Steve Nelson, Insight Director at the lang cat, to chat through the latest State of the Advice Nation research. This is the third year paraplanners have had a focused pathway in the study, which means we’re finally starting to see some clear themes emerge around career paths, day to day realities and where firms are getting it right, or not.
During the conversation, we look at paraplanning as a career in its own right, how visible and understood the role really is, and what the research tells us about the challenges paraplanners still face behind the scenes. From workload pressures to systems and support, it’s an honest discussion grounded in real data and real experience.
As ever, Steve does a brilliant job of bringing the numbers to life and connecting the findings to what’s actually happening in advice firms across the UK.
Now live: The latest Mortgage & Property Investment special edition of IFA Talk looks ahead to 2026 and beyond, exploring how shifting household behaviour, retirement sequencing, and property wealth are shaping modern financial planning.
In this episode, hosts Meg and Jenny are joined by Phillip Wickenden, founder and CEO of Ad Lucem. Phil shares his insights on the changing landscape of adviser-client conversations, including the growing importance of retirement sequencing, the evolving role of property wealth, and why later-life lending and “home-in-the-plan” discussions are becoming increasingly central to financial planning.
Key discussion points also include:
- Household behavioural shifts heading into 2026 and what they mean for advisers
- How inheritance tax changes are affecting retirement sequencing and client decision-making
- Practical challenges advisers are facing more often, including managing client intent and tax implications
- The role of property wealth and later-life lending in modern, client-centred conversations
- How intergenerational advice creates both business opportunities and long-term client retention
This episode provides valuable insight for advisers looking to navigate the changing financial planning landscape, offering practical guidance and highlighting the opportunities for advisers to add value for clients in the year ahead.
Be sure to check out the episode and all other episodes of IFA Talk on Spotify, Apple Podcasts, and Amazon!
Podcast # Meet the new CII President: Callum Beaton on the year ahead
In this episode of IFA Talk, Matt and Sue are joined by the new President of the Chartered Insurance Institute (CII), Callum Beaton, to talk about his journey to the role, his appointment (which he describes as ‘surreal’) and also his vision for the future of the profession.
Callum is clearly very passionate about this profession, which he joined almost 50 years ago, after failing an eye test to join the Royal Navy. He talks eloquently through his Presidential theme, EQUIP, how he hopes to support members during his year in office, and the key issues he believes will shape the sector in the months ahead, with the wealth of experience he’s amassed over the years.
It’s a really human conversation, thoughtful and forward-looking for anyone working in insurance or financial planning who wants to stay connected to the bigger picture.
Listen now to hear Callum’s plans for leading and supporting the profession.
In this latest episode of the Tax-Efficient Investment podcast from IFA Magazine, we turn our focus to Venture Capital Trusts and what advisers need to be thinking about as the busy tax year-end approaches.
Hosted by Editor Sue Whitbread and Deputy Editor Jenny Hunter, this special edition of IFA Talk is produced in partnership with Foresight Group and explores how the VCT landscape is evolving in response to shifting market conditions, new technologies and changing investor expectations.
Joining the conversation is Lucy Clarke, Investment Manager at Foresight Group, who shares an investment manager’s perspective on how to identify genuinely sustainable competitive advantage in today’s VCT-backed companies. Drawing on her background as both a venture investor and a former founder, Lucy discusses how traditional indicators of competitive advantage are changing, how the VCT investment process is adapting, and what this means in practice when assessing early-stage opportunities.
The episode also looks at the sectors and themes Lucy finds particularly compelling right now, offering advisers timely insight as they prepare for what is expected to be a busy period for VCT planning.
With more than 50 years in financial planning, Patrick Murphy has seen the profession evolve. Although he’s recently stepped back from advising clients, he’s challenging conventional thinking about what really drives client outcomes.
In this episode of IFA Talk, hosts Matt and Sue sit down with Patrick to explore his latest insights on Targeted Support, consumer behaviour and the future of advice. With Targeted Support kicking off from April, will this be the game-changer it’s often set out to be? The answer is probably yes but, as we’ll explore today, maybe not for the reasons that most people are thinking about.
Patrick’s recent paper, Financial Planning in Transition: Beyond Targeted Support (2025–2030), builds on his work in hybrid advice and argues that the way advisers support client behaviour could transform outcomes at scale. Today, we discuss what that means in practice and why understanding behaviour may be more important than simply providing knowledge or information.
We talk with Patrick about why good advice often fails, not because it’s wrong, but because it isn’t acted upon, how regulators and firms can misread the advice process, and why compliance alone doesn’t guarantee good outcomes, the shift from one-off recommendations to ongoing behavioural support and how advisers can adapt day-to-day, how Targeted Support could succeed or fail depending on whether it’s treated as content/compliance or as behaviour design, and the practical takeaways for advisers looking to improve client outcomes in a rapidly evolving profession.
The FCA’s plans to introduce Targeted Support from April 2026 represent one of the most significant regulatory developments which advisers need to be aware of at the moment.
In this week’s episode of IFA Talk, Matt and Sue welcomed Chet Velani, Managing Director at EV, to chat through some of the key issues around what Targeted Support is really designed to achieve, how it might work in practice, and what advisers can be doing now to stay ahead of the curve. Chet was a great guest and had plenty of practical ideas to share.
EV is a financial services technology provider working with millions of consumers and a significant proportion of the UK advice market, giving Chet a unique perspective on how regulation, technology and advice intersect.
As Chet explains on the podcast, Targeted Support isn’t about eroding the value of advice. Instead, it’s about creating clearer, scalable pathways that use data and technology to support more people, while enabling firms to deliver demonstrably better outcomes for consumers.
However, for advisers, understanding the bigger picture, how this framework is likely work in practice and how it could complement existing advice models will be really important.
In this month’s special Tax-Efficient Investment (TEI) edition of IFA Talk, IFA Magazine's Content Editor Matt Williams and Deputy Editor Jenny Hunter take a look back at the 2025 Budget and the changes to VCTs.
Joining us to unpack all of this are not one, but two great guests. First, returning to the IFA Talk studio is Toyin Oyeneyin, Tax Product Specialist at Octopus Investments. Toyin joined us back in November ahead of the 2025 Budget to discuss the major changes in the 2024 Budget, along with the topic of pensions and the complex IHT landscape.
This time, Toyin is also joined by Tim Dickens, Head of Investment Specialists at Octopus Ventures. Together, they reflect on the key takeaways from this year’s Budget, the changes to VCTs and what they mean for financial advisers, and why private markets are becoming increasingly popular.
IFA Magazine’s weekly podcast, IFA Talk, is back with another insightful episode aimed squarely at busy financial advisers with a passion for what they do.
This week, we’re joined by Martin Lockyer, Co-Founder and Managing Partner at Westminster Wealth Management, to find out from his years of experience as an adviser and running an advice business, what it takes to build and run a successful firm. Martin’s insight into succession planning is particularly thought provoking, and reinforces the idea that it should never be a one-size fits all approach.
In this episode, Meg Bratley and Sue Whitbread talk to Martin about the practical challenges and opportunities facing advice firms, from maintaining long-term client relationships to protecting independence in a landscape dominated by consolidation and regulation.
Martin shares his expertise based on years of experience, and offers practical insights and strategies that can help advisers create sustainable businesses while delivering excellent outcomes for clients.
Highlights include:
- How to run a succession-based business that prioritises clients and stakeholders alike.
- The advantages of a self-employed, proprietary-book adviser model versus the traditional employed framework.
- Navigating regulatory and operational pressures while maintaining independence.
- Martin’s three top tips for advisers looking to future-proof their business.
Whether you’re a business owner, manager, or adviser seeking actionable best practice ideas and real-world perspectives, this episode is sure to get you thinking.
Now live: The latest Mortgage & Property Investment special edition of IFA Talk explores what the 2026 mortgage market could look like for brokers, and where opportunities and challenges may lie as we head into the New Year.
In this episode, hosts Meg and Sue are joined by Jonathan Stinton, Head of Intermediary Relationship Management at Coventry Building Society. Jonathan discusses the outlook for the 2026 mortgage market, including broker confidence, remortgaging activity and affordability pressures. He also shares how lenders can best support brokers during a busy remortgage cycle, and explores the opportunities and challenges shaping the Buy-to-Let market in the year ahead.
Key discussion points also include:
- The outlook for mortgage brokers in 2026 and how confidence is shaping the market
- Remortgaging and product transfer volumes, and what brokers are saying they need most
- The impact of affordability pressures on client advice conversations
- How the Buy-to-Let market may evolve in 2026, including continued interest in specialist areas such as limited company BTL.
This episode provides valuable insight for mortgage brokers looking ahead to the near future, examining the key trends shaping the mortgage market and highlighting how advisers can continue to add value and support their clients in the long term.
In this episode of IFA Talk, Sue and Matt are joined by Alex Sumner from Thrive, Blackfinch Group’s dedicated workplace pensions and benefits platform.
Thrive is designed to simplify pension management for businesses while giving employees access to a financial wellbeing app that provides clear insights into pensions, benefits, and financial futures. It can be a key tool for advisers to use also.
The discussion dives into some of the most pressing topics for advisers today:
- Closing the advice gap: Alex shares his perspective on whether enough is being done to support those who can’t afford professional financial advice, and the role targeted FCA-backed initiatives like targeted support can play in improving financial wellbeing.
- Helping employers to support financial wellbeing and education: With employee financial health increasingly in the spotlight, the conversation explores how employers can better support their workforce, creating opportunities for advisers to add value too.
- Opportunities for IFAs: Thrive’s hybrid model isn’t just for businesses and employees, it also opens doors for advisers to strengthen client relationships, drive lead generation, and build new business opportunities.
Whether you’re looking to add to your advice business’ strategy for 2026 or exploring effective new ways to support your business clients, this episode offers practical insights and actionable ideas that can help you deliver.
This month's latest New Insurance & Protection special edition of IFA Talk explores an issue that affects clients across the UK but is still often misunderstood: economic abuse.
In this episode, hosts Meg Bratley and Jenny Hunter are joined by Shelley Read, Senior Technical Manager at Royal London. Shelley sheds light on what economic abuse really means, how it differs from financial abuse, and the impact it can have on financial wellbeing, protection, and even access to mortgages.
Highlights from this week’s episode
What economic abuse is, and who it affects
Shelley explains the different forms this type of control can take, and why certain groups are at heightened risk.
How it shows up in financial services
The discussion explores how economic abuse can influence mortgage eligibility, credit histories and wider financial decision-making.
The role of protection
Shelley highlights how protection conversations can uncover signs of economic control and why advisers play a crucial role in supporting vulnerable clients.
Spotting the signs
Practical guidance on what advisers, friends and family should look out for, and what to do if they’re concerned.
Now live: The latest Mortgage & Property Investment special edition of IFA Talk, and the final episode of the year turns its attention to later life lending, a topic that has taken on increased importance following the October and November Budget announcements.
In this episode, Sue and Meg are joined by two brilliant guests. Tony Wickenden, Founder and Managing Director of Technical Connection, and Will Hale, CEO of Key and Air. Together, they discuss the evolving role of later life lending and what advisers need to consider as they support clients through an increasingly complex planning landscape.
Highlights from the episode
- Adviser interest in later life lending
- What the Autumn Budget means for planning
- The family home and estate planning
- Preparing for the opportunities ahead
This episode offers timely insight and practical perspective for advisers navigating post-Budget planning conversations and provides a fitting close to IFA Talk for the year. With the festive season upon us, we’d like to thank our listeners for their support throughout the year and wish you a very Merry Christmas and a happy New Year!
On this week’s episode of IFA Talk, Sue and Matt focus on one of the most talked-about topics in the advice sector right now, the Advice Guidance Boundary Review, and more specifically, the arrival of Targeted Support.
Ben Hampton, CEO of Wealth Wizards joins us to share his expert insights. Wealth Wizards has been at the forefront of digital advice and guidance technology, making Ben the ideal guest for this discussion.
Together, they discuss the main drivers behind the push for Targeted Support, and how it reflects the changes needs of UK consumers. Ben also reveals how Targeted Support can help to bridge the advice gap, and how the consumer experience of financial advice and guidance could change, especially in relation to retirement preparation.
Lastly, Ben outlines which hurdles and opportunities he foresees for advice firms, in areas such as regulation, technology and customer trust.
This episode was recorded on 17th November, therefore prior to the FCA’s announcement on Targeted Support.
In this, our last special Tax-Efficient Investment edition of IFA Talk for 2025, we’re reflecting on the recent Budget and the ramifications for EIS and VCTs. Matt and Sue are joined by Tom Wilde, from the Tax Department of UK law firm Shoosmiths, where he heads up the firm’s EIS and VCT practice. With the reduction of VCT tax relief from 30% to 20% next year potentially driving more interest towards EIS investment, as well as other measures, Tom shares his expert insight on what the changes in the 2025 Budget mean for EIS and VCTs. What You’ll Learn in This Episode* Budget 2025 EIS & VCT changes – How new funding and gross asset limits expand investment opportunities * VCT relief reduction – Why the cut from 30% to 20% may shift focus toward EIS products and a boost to demand in the current tax year * Client suitability guidance – Which clients and planning scenarios may now benefit from EIS over VCT * Regional implications – The Budget’s failure to reform age limits and how this affects companies outside the South-East, in particular * Practical advice for advisers – How to navigate structural limitations and identify client opportunities
Hearing from a tax expert like Tom really does highlight why 2026 is looking extremely positive for the tax-efficient investment sector. We’ll be back with more TEI podcasts in 2026. But in the meantime, look out for our 2026 Tax-Efficient Investment Insights publication coming out in January. We’re sure you’re going to like it!
This week on IFA Talk, Deputy Editor Jenny Hunter and Editor Sue Whitbread are joined once again by James Giblin, Fund Manager at L&G, and someone who’s had a front-row seat to one of the most unpredictable market years we’ve seen in a while.
With 2025 almost behind us, the timing couldn’t be better. James shares his take on what’s really been driving markets this year, how investors can keep a cool head when the headlines get loud, and what advisers should be thinking about as we head into 2026. If you’re looking for a clear, calm voice amid the noise, this episode is definitely one to queue up.
James also gives us a peek behind the scenes at L&G, chatting about how the team navigates conflicting signals in markets, draws on the firm’s research expertise, and makes the kind of decisions that matter when things are changing fast. It’s an honest and accessible look at how multi-asset teams stay grounded when the world around them feels anything but.
And, of course, we look ahead. With a new year on the horizon, James talks through the themes on his radar, from shifting economic conditions to the areas where he sees risk, opportunity and potential surprises. Advisers will find plenty here to help shape client conversations and set expectations for the year to come.
The latest New Insurance & Protection special edition of IFA Talk explores how insurers are reshaping protection in 2025, and what this means for advisers and their clients.
In this episode, hosts Meg Bratley and Sue Whitbread are joined by Paul Roberts, Propositions and Distribution Director at CIExpert. Paul shares his expert insights into how the industry is developing more comprehensive cover and how advisers can translate this into meaningful client conversations.
Highlights from the latest episode:
· A look at what insurers have done during 2025 to offer more comprehensive cover
· How understanding Additional Payments, Enhanced Payments, Accelerated Payments, and Severity Payments adds real value to modern protection conversations
· How Children’s Critical Illness cover should be positioned as part of holistic financial planning moving forward
This episode makes for a fascinating and practical discussion, giving advisers valuable guidance on how to embrace the latest developments in protection and deliver even better outcomes for their clients
This week’s IFA Talk Budget Special is packed with practical insight, clear explanations, and a few “wait, did the Chancellor really do that?” moments.
In this episode, host Sue Whitbread, Editor at IFA Magazine, is joined by Rachel Vahey, Head of Public Policy at AJ Bell, who helps advisers cut through the noise and get straight to what really matters for clients in terms of last week’s budget measures.
Recorded on Friday 28th November, this fast-paced 20-minute chat is your shortcut to understanding the key measures, the curveballs (plenty of those!), and the missed opportunities of the Budget.
What’s inside this budget breakdown?
Rachel takes us on a whistle-stop tour through the key budget announcements, the headline items and the smaller, easy-to-miss measures that really matter for advisers and clients.
Here’s a flavour of what’s covered:
- Stealth taxes and fiscal drag
Income tax thresholds remain frozen – again – meaning more clients pulled into higher-rate tax and more explaining for advisers.
Sue and Rachel dig into what the continued freeze really means and the impact on disposable income. There are some startling numbers in this section!
- Salary sacrifice reforms and pension implications
One of the biggest pension talking points of the Budget was salary sacrifice. What’s changing? From when? And what are the “watch-outs” for advisers and employers?
Rachel breaks down the practical implications.
- Cash ISAs
Rachel explains what the Chancellor has done and what she hasn’t done. She also adds clarity on the much-rumoured ISA reforms and we think this might raise some eyebrows as to the implications especially for investment ISA.
- The Budget ‘Smorgasbord’ – smaller measures that matter
Your clients will feel these – even if they didn’t make the headlines.
Rachel explains:
- Dividend tax adjustments
- The reality behind the “mansion tax” / High Value Council Tax Surcharge (HVCTS)
- Property tax expectations vs what actually happened
-
VCTs, and the Chancellor’s stance on growth incentives
-
The bond market backdrop
No Budget exists in a vacuum. Rachel and Sue take a moment to consider the bond market reaction, the Government’s tightrope walk after the Truss episode, and whether advisers should be bracing for bond-market rumblings.
To catch up with all the details tune in now!
Now live: The latest Mortgage & Property Investment special edition of IFA Talk lifts the lid on one of the most pressing issues facing today’s housing market, how to help more first-time buyers take that crucial first step onto the property ladder.
In this episode, hosts Sue Whitbread and Meg Bratley are joined by Carlo Pileggi, Head of Mortgage Products at Nationwide Building Society. Carlo shares his insights into the challenges facing first-time buyers today, and how initiatives like Nationwide’s Helping Hand Mortgage Boost are making a meaningful difference for aspiring homeowners across the UK.
Highlights from this week’s episode
- The changing profile of first-time buyers, and the trends Nationwide is seeing on the ground
- How Helping Hand is supporting affordability, deposits and access to lending
- The growing role of family support and how lenders are adapting to reflect this
- Real stories of first-time buyers whose journeys were transformed through flexible lending
- What the next 12–18 months might hold for affordability, lending innovation and first-time buyer support
This episode provides a timely and insightful look at the real barriers facing today’s first-time buyers, and the innovative solutions helping more people secure a home of their own.
In this week’s episode of IFA Talk, Matt Williams and Jenny Hunter dive into one of the most important and complex areas of financial planning, helping clients manage risk and income throughout retirement.
Joining them is Andrew Lewis, Senior Investment Director at Brooks Macdonald, who shares his thoughts on how advisers can design smarter, more resilient retirement strategies that adapt to clients’ changing needs.
Andrew talks about the main risks retirees face today, from longevity and sequencing risk to the impact of inflation - the kind of inflation you really notice when the price of a tub of Lurpak at the supermarket gives you a shock (though other butters are, of course, available). He also unpacks the key findings from the FCA’s thematic review on retirement income and what they mean in practice for advisers supporting clients through decumulation.
The conversation rounds off with a look at how Brooks Macdonald’s Retirement Strategies can form part of a centralised retirement proposition, helping advisers deliver consistency, flexibility and stronger client outcomes.
If you’re advising clients approaching or already in retirement, this episode offers practical insights and plenty to think about as you help plan for your clients.
The latest New Insurance & Protection special edition of IFA Talk turns the spotlight onto a topic at the heart of financial wellbeing, protection.
In this episode, hosts Meg Bratley and Jenny Hunter are joined by Phil Jeynes, who leads the strategic direction of MetLife UK’s individual protection business. Phil shares his expert view on how advisers can better support clients when it comes to choosing the right type of protection and preparing for life’s unexpected events.
Highlights from this week’s episode
Helping clients make informed decisions
What advisers need to know about guiding clients through protection choices, and how to make these conversations more relevant, engaging and grounded in real-life needs.
Understanding who’s most at risk
Which groups are most vulnerable to everyday accidents or illnesses, and the financial implications that can quickly follow.
Practical support when the unexpected happens
What advisers can put in place to help ease financial pressure when clients face sudden health issues, accidents or changes in income.
This episode offers a timely and insightful discussion on why protection matters, and the crucial role advisers play in giving clients clarity, confidence and peace of mind when they need it most.
How can advisers prove their value, close the advice gap, and embrace technology without losing the personal touch?
On this week’s episode of IFA Talk, Meg and Sue are taking a closer look at the client proposition, in particular at how advisers and planners can continue to deliver strong outcomes for clients while building a resilient business.
Joining us is Arnie Millington, Head of Business Development at Sparrows Capital. Arnie has worked across the advice space — from AJ Bell and Benchmark to 7IM — giving him a deep understanding of the challenges and opportunities advisers face today.
In this conversation, Arnie shares practical insights on:
- Demonstrating value under Consumer Duty, How advisers can clearly show clients what they’re getting and justify their fees.
- The advice gap. What’s driving it and how advisers remain essential to helping clients achieve their goals.
- Technology and AI. How to embrace new tools without losing the personal, relationship-based service clients value.
- Industry consolidation. Whether the wave of mergers and acquisitions benefits clients, or risks diluting personal service.
Whether you’re running your own advice business or working in a larger firm, this episode offers real-world insights on staying relevant and effective as the profession develops.
Listen now to hear practical thinking on balancing value, technology, and personal connection in financial advice.
In this month’s special TEI (Tax-Efficient Investment) special edition of IFA Talk, Matt and Sue take a look back at some of the key changes to IHT and pension in last year’s Autumn Budget.
With many of the new rules set to take effect from April 2026 and April 2027, advisers and clients are increasingly seeking support to navigate the changes ahead. Fortunately, joining us to unpack all of this is Toyin Oyeneyin, Tax Product Specialist at Octopus Investments. Together, we dive into the topic of IHT on pensions, before looking ahead to this year’s much-anticipated Budget.
In this episode, Toyin discusses whether the golden age of pensions is now over and outlines how the changes have affected the conversations advisers are having with their clients. She also answers whether there is still hesitancy regarding IHT planning ahead of the Budget and reveals how Octopus Investments are supporting advisers in an increasingly complex landscape.
Be sure to check out this episode and all other episodes of IFA Talk on Spotify, Apple Podcasts, and Amazon!
As the lines between model portfolio services (MPS) and bespoke investment solutions continue to blur, advisers are increasingly asking if these two approaches are really in competition, or can they actually complement each other?
In this week’s episode of IFA Talk, hosts Sue Whitbread and Matt Williams are joined by Eddie Kennedy, Head of Marlborough’s Personal Portfolio Service, to explore this very question.
Eddie has plenty of experience in this field. In this conversation he not only shares his insights on how both MPS and bespoke solutions are evolving but also why framing them as opposing forces might just be missing the point.
On the agenda for this week’s conversation are:
- How the MPS landscape is changing under the lens of Consumer Duty
- Why the trend toward commoditisation could be limiting service quality
- What really defines a true bespoke service – and what advisers should look for
- How MPS and bespoke solutions can work together as part of a lifelong client journey
- Why long-term thinking, or as Eddie’s family motto puts it, “Avise la fin” (“Consider the end”), matters more than ever for advisers and clients.
As Eddie explains, Marlborough’s approach uses the same multi-asset framework to underpin both MPS and bespoke portfolios, illustrating how advisers can blend these strategies to meet evolving client needs.
Whether you’re refining your investment proposition or simply keeping an eye on industry trends, this episode offers valuable perspective on how to align service, personalisation and long-term outcomes.
In this week’s episode of IFA Talk, hosts Matt Williams and Jenny Hunter delve into one of the most hotly debated topics, the evolving role of the paraplanner and whether it’s time for formal FCA recognition.
They’re joined by Derek Bradley, founder and CEO of Panacea Adviser, to discuss the findings of Panacea’s latest industry survey: “Should Paraplanners be more formally recognised by the FCA?” The research sparked widespread discussion across the financial planning community, raising key questions about professional identity, accountability and the future shape of the advice process.
Would formal recognition help to elevate standards and professionalism, or would it simply add cost and complexity to an already heavily regulated sector? Derek shares his perspective on these issues, exploring the fine line between advisers’ and paraplanners’ responsibilities, and why outsourced and in-house paraplanners often have such contrasting views on the question of regulation.
The conversation also looks ahead to what the next decade could hold for paraplanners, from evolving qualifications to shifting expectations around accountability and client outcomes.
Listen now to hear Derek’s insights on Panacea’s latest research and what greater formal recognition could mean for paraplanners, and the advice profession as a whole.
The latest Mortgage & Property Investment special edition of IFA Talk explores how specialist lending is helping advisers support clients with increasingly complex financial needs.
In this episode, Meg and Sue are joined by Gavin Diamond, Founder and Chief Executive Officer of Inspired Lending. With over 15 years’ experience in senior leadership roles across the short-term and specialist lending industry, Gavin shares his expert insights into how bridging and specialist finance can empower advisers to deliver tailored solutions for clients with diverse and evolving financial profiles.
Highlights from this week’s episode
Specialist lending for complex clients: Gavin discusses how bridging and short-term finance are becoming essential tools for advisers supporting clients with complex asset structures, liquidity challenges, and time-sensitive funding needs.
Timing and market confidence: Drawing on recent market insights, Gavin explains why “stability is not a slowdown” and how today’s environment is laying the foundations for renewed long-term confidence in specialist finance.
Supporting complex refurb and conversion projects: From office-to-residential conversions to portfolio repositioning, Gavin outlines how Inspired Lending structures loans that blend investment and development strategies to support clients’ ambitions.
Understanding borrower behaviour and adviser value: Bridging lenders often gain a unique perspective on borrower decision-making under pressure. Gavin shares lessons on liquidity management, opportunity recognition, and how advisers can deepen client relationships through these insights.
Building stronger partnerships with wealth managers: As client needs grow more complex, the lines between brokers, advisers, and wealth managers continue to blur. Gavin explores how collaboration and shared understanding can unlock better outcomes for clients across the wealth spectrum.
This episode offers a fascinating look at how specialist lending continues to evolve, highlighting the opportunities it presents for advisers to deliver truly bespoke solutions in a changing market.
Multi-asset investing continues to sit at the heart of effective portfolio construction, helping advisers deliver diversification, risk alignment and consistent outcomes for their clients. But how can advisers be confident that the multi-asset solutions they choose really deliver long-term value?
In this latest episode of IFA Talk, Matt Williams and Sue Whitbread are joined by Mithesh Varsani, Head of Investment Solutions at Scottish Widows, to discuss the evolving multi-asset landscape and the role of the Scottish Widows Managed Growth Funds in supporting advisers and their clients.
Listen in as they discuss:
- Why multi-asset investing remains so critical in today’s uncertain markets
- How Scottish Widows’ Managed Growth Funds deliver diversification, governance and value, all with an OCF of just 0.10%
- The importance of trust and confidence for advisers when selecting investment partners
- How Scottish Widows’ long history and investment expertise can help advisers meet clients’ evolving needs
As advisers continue to manage changing client priorities, from sustainability considerations to income needs in retirement, having an investment partner which can evolve with you is essential. Mithesh shares his insights on how Scottish Widows is doing just that: combining innovation, robust risk management and clear alignment to client outcomes.
Be sure to check out this episode and all other episodes of IFA Talk on Spotify, Apple Podcasts, and Amazon!
In this month’s special TEI (Tax-Efficient Investment) special edition of IFA Talk, Matt and Jenny dive into a topic which is front of mind for many advisers right now, and that is changes to Inheritance Tax, pension and business relief, and what they might mean for long-term planning.
To do this, Jon Prescott, Partner at Praetura Investments, joins us. He reveals how these reforms could reshape strategies around tax-efficient investing, and what advisers need to know to stay ahead.
We also discuss how business relief can still play a role in a well-diversified estate plan, the necessary changes to ensure it be used effectively going forward, and why it is essential for advisers and their clients to take action sooner rather than later.
In this week’s episode of IFA Talk, Matt and Sue are exploring a skill that every great financial adviser needs, but that doesn’t often get talked about enough: emotional intelligence.
Often labelled a ‘soft skill’, emotional intelligence (EI) is anything but soft when it comes to its impact on adviser success. It can be the difference between being a good adviser and a great one.
Joining us for this cracker of a conversation is James Woodfall, a former financial planner and founder of Raise Your EI. James has been doing some fascinating work on how emotional intelligence influences adviser performance, client relationships, and business outcomes.
Together, they explore:
- How emotional intelligence gives advisers a competitive edge in today’s market
- Ways to apply EI to support clients through uncertainty and change
- Why developing EI is crucial for handling difficult conversations and reading client cues effectively
As Matt puts it: “It’s one of those skills that underpins everything advisers do. Building trust and rapport, establishing long term relationships, EI is at the heart of great advice.”
Whether you’re leading client conversations, mentoring junior colleagues, or steering your business through volatile markets, this episode offers practical insight into the human side of financial advice.
Listen now to hear how you can raise your own EI and strengthen the relationships that drive long-term success.
This week on IFA Talk, Matt Williams and Jenny Hunter are joined by Gill Millen, Managing Director at Bowmore Financial Planning, to dig into one of the most pressing issues facing advisers and their clients today: people simply aren’t saving enough for retirement.
Bowmore’s latest analysis reveals that many clients, even those in their 40s and 50s and beyond, are contributing far below recommended levels, putting them at risk of a serious retirement income shortfall. In this episode, Gill shares practical ideas for how advisers can use this data to encourage clients to boost contributions and engage with their pensions earlier.
The conversation covers why under-saving is such a growing concern, how advisers can engage younger clients without adding to their financial stress, the best ways to nudge clients to increase contributions gradually, and where advisers can add the most value through smart pension planning.
If you’re looking for actionable tips to help clients secure a more sustainable retirement income, this is an episode you won’t want to miss.
The latest New Insurance & Protection special edition of IFA Talk shines a light on an issue that impacts millions of households across the UK – protection.
In this episode, hosts Sue Whitbread and Meg Bratley are joined by The Exeter’s Head of Protection Distribution, Jamie Page. Jamie explains why certain groups continue to be left behind when it comes to protection, and what the industry can do as a whole to ensure we see real change moving forward.
Highlights from this week’s episode
- Unpacking underserved markets and their importance
- Who are the underserved groups in protection? and the unique challenges that they face
- Advisers’ role in reaching underserved markets
- Advice on how to ensure underserved groups aren’t left behind
This episode makes for a fascinating and timely discussion, highlighting the responsibility – and the opportunity – advisers have to make protection advice more relevant and accessible to all at a pivotal time.
This week on IFATalk, we’re getting into one of the biggest talking points in pensions – transfers. For years, they’ve been a bit of a nightmare. Slow processes, endless paperwork, frustrated clients… we’ve all heard the stories. But are those days finally behind us, or is there still work to be done?
Sue Whitbread, Editor here at IFA Magazine, and Senior Financial Journalist Jenny Hunter are joined by Anthony Rafferty, CEO of Origo, to find out. Anthony shares his take on what’s changed, why some providers are getting it right while others are still dragging their heels, and what it’s going to take to bring everyone up to speed.
Of course, the pensions world never stands still, so the chat also covers how wider uncertainty could affect things over the months ahead. And then there’s the pensions dashboard, after all the delays, is it finally back on track? What will it mean for advisers, providers and consumers once it’s up and running?
It’s a lively, insightful conversation with plenty of straight talk about where we are now and what’s coming next.
Retirement income planning has always been front and centre for advisers and paraplanners – and it’s evolving fast.
In this week’s episode of IFA Talk, Matt and Sue are joined by not one but two expert guests from Morningstar Wealth: Steve Coleman, Head of Product, and Steve Owen, Head of Proposition. Together, they explore what advisers and paraplanners really want and need from providers when it comes to helping clients achieve secure, sustainable retirement income.
In this conversation, we cover:
- What advisers and paraplanners are telling providers about their biggest retirement income priorities
- How retirement planning might change over the next decade
- The role of regulation, technology, and consumer behaviour in shaping better client outcomes
- Ways to engage younger people with financial planning – both as investors and as a profession
Whether you’re focused on immediate client conversations or planning for the long-term evolution of your advice business, this episode is full of insights to support your thinking in today’s ever-changing retirement landscape.
Now live: The latest Mortgage & Property Investment special edition of IFA Talk explores how advisers can best support clients in complex or evolving circumstances.
In this episode, Jenny Hunter and Meg Bratley are joined by Laura Sneddon, Head of Mortgage Sales and Distribution at Hinckley & Rugby for Intermediaries. With over 20 years’ experience in financial services, Laura shares her insights on how advisers can unlock opportunities for borrowers through flexible, manual underwriting and a more tailored approach to complex cases.
Highlights from this week’s episode
- Income flexibility – how lenders can support clients with irregular earnings such as bonuses, dividends, freelance work, side hustles or overseas income
- Wealth transfer – the role of parents and families in helping younger buyers onto the property ladder, and how HRFI structures lending to reflect intergenerational support
- Case studies – real-life examples of clients who are asset-rich but cash-poor, and how flexible lending can make a difference
- Vulnerability – how HRFI’s Vulnerability Academy equips advisers with tools to navigate sensitive situations with confidence
- Additional insights into specialist areas such as support for self-employed borrowers, opportunities in the visa buy-to-let market, and the unique needs of Scotland’s mortgage sector
This episode makes for a fascinating and timely discussion, shining a spotlight on the opportunities for advisers to deliver meaningful solutions in a rapidly changing borrower landscape and why collaboration with lenders such as HRFI can help ensure every client receives the right support.
If you’ve ever felt like the tech in your advice business is more of a hindrance than a help, you’re not alone. Multiple systems that don’t talk to each other, endless rekeying, and the same tasks repeated in five different places, it’s a frustration most advisers know all too well.
In this week’s episode of IFA Talk, Jenny Hunter and Sue Whitbread are joined by Nick Ryan, CEO, and David Mills, Chairman, at Pilot Financial Systems. Both have deep roots in the advice profession and have lived the challenges first-hand – and they’ve set out to do something about it.
They share why they believe now is the time for advisers to take back control of their tech, why ownership and independence matter so much in practice management tools, and how better integration could help bridge the advice gap.
We also hear their vision for how advice firms could be running in five years, and it’s a future you’ll want to hear about.
So, if you’re ready to swap admin overload for smarter, joined-up systems, tune in now and hear how Pilot is helping firms cut through the chaos.
In this week’s IFA Talk podcast, we’re exploring model portfolio services (MPS), asking what really makes for a successful partnership between an MPS provider and an advice business.
It’s a subject that remains front of mind for many advisers and wealth managers, especially as the MPS market evolves and client expectations continue to grow.
To learn more about L&G’s MPS, visit here. You can also visit L&G blogs for more thought leadership pieces.
Meet L&G’s Francis Chua
To help us dive into this topic, Sue and Matt are joined by Francis Chua, Fund Manager at L&G. Francis plays a key role in shaping L&G’s MPS proposition and shares his insights on what advisers are asking for, how L&G is set up to deliver, and where he sees the market heading.
What we cover in the conversation
- What advisers are cautious of when selecting an MPS partner
- What advice firms look for in a successful partnership
- How L&G supports advisers with services and tools
- How the MPS market is evolving – and what the future may hold
Listen to the full conversation
Tune in to hear Francis’s practical take on how to make long term MPS partnerships truly successful, and what that could mean for advisers and clients alike.
Be sure to check out this episode and all other episodes of IFA Talk on Spotify, Apple Podcasts, and Amazon!
In this month’s special TEI (Tax-Efficient Investment) special edition of IFA Talk, Matt and Jenny dive into the topic of tax-efficient planning during a time of rising taxes.
With taxes on the rise, new rules bringing pensions into the inheritance tax net, and clients increasingly looking to advisers for clarity, the landscape has never been more challenging. But it’s also a time of real opportunity for advisers to demonstrate value.
To help unpack this, Diana French, Chief Commercial Officer at Triple Point joins us to share her expert insights. She reveals how advisers are adapting their tax and estate planning conversations, where Business Relief fits into today’s toolkit, and why VCTs are still playing a crucial role – especially as we head into the next offer season.
Be sure to check out this episode and all other episodes of IFA Talk on Spotify, Apple Podcasts, and Amazon!
Professional Indemnity Insurance (PII) might not be the most glamorous of topics but it’s a crucial one for every financial advice firm. In this episode of IFA Talk, we’re taking a fresh look at it with someone who knows the advice profession inside out.
Our guest is Lee Robertson, now Non-Executive Director and Head of Strategic Partnerships at BareRock, the digital-first PII provider that’s shaking things up.
Many in the profession will know Lee as a long-time champion of quality financial planning advice. Now, in his new role at BareRock, he’s working to forge strategic partnerships, lead community-building efforts, and help create a PII proposition that puts adviser needs first.
In this episode, Matt and Sue chat to Lee about how BareRock is making waves in the PII space, what they’re doing differently, and how they aim to create a better deal for well-run advice firms. From digital onboarding to building a community of like-minded professionals, BareRock’s approach is certainly different, all about transparency, tech, and rewarding quality.
Be sure to check out this episode and all other episodes of IFA Talk on Spotify, Apple Podcasts, and Amazon!
In this month’s special New Insurance & Protection episode of IFA Talk, we shine a light on client protection, something which concerns all of us in the industry.
Joining us to discuss this are LifeSearch’s CEO Debbie Kennedy, and Homeowners Alliance’s CEO and Founder Paula Higgins. The two have worked together recently on some fascinating research, which we’ll dive into in this special episode.
Debbie and Paula unpack how advisers can address client protection advice issues to ensure the advice is understood, valued, and acted upon. They reveal why protecting people is so important and the role that advisers play in ensuring that clients really understand the value of protection.
They also focus on younger clients, referring to their research which shows that young people don’t take out income protection because they feel it isn’t for them. Another area in their research is the role of women, who are often under-protected. They outline how advisers can help women see protection as a priority.
Listen to this episode on Spotify, Apple Podcasts and Amazon!
This week on IFA Talk, we’re flipping the script on one of the biggest topics in financial services – AI. But rather than talking about how it can help you churn through work faster, we’re asking something a bit deeper: what if the real power of AI is actually about creating better workplaces?
Joining us for this thought-provoking episode are two brilliant guests, Jenny Segal, a Workplace Culture Expert, Author and Investment Industry Leader, and Annabel Gillard, an expert in AI and Corporate Culture. Together, they explore how AI could unlock motivation, purpose and true human empowerment at work…if we’re bold enough to let it.
From rethinking traditional leadership models to seeing organisations as living, breathing systems, this isn’t your usual AI chat. Jenny and Annabel dive into what companies are getting wrong, why so many firms still treat AI as just a cost-saving tool, and what we miss out on when we take that narrow view.
To hear even more from Jenny and Annabel on this topic, you can find an article covering everything you may want to know on our website: AI adoption and workplace culture: why empowerment, not just efficiency, is the real opportunity.
In this week's episode of IFA Talk, we dive into the world of taxes, following changes to IHT rules. Recent changes and potential further tightening of the IHT rules mean that some families could face a shockingly high combined tax burden on a business owner’s estate. When you factor in Corporation Tax, Dividend Tax and IHT, in some cases the overall tax exposure could reach as much as 88%.
Joining us to discuss this is Peter Ball, Tax Partner at Bishop Fleming. Peter helps us get our heads around where this tax trap is coming from, and how it can be mitigated with the right planning. Peter shares his insights on how you can help your business clients and their families plan for liquidity in a business, the practicalities surrounding valuations, and whether trusts might once again play a larger role in succession strategies.
Peter explains how the 88% figure is calculated and under what circumstances it could apply, how business owners can ensure there’s enough liquidity in the company to meet potential IHT liabilities, the practical issues that advisers and their clients need to consider when it comes to valuing the business, and whether he sees trusts playing a bigger role in succession planning for family businesses going forward.
Be sure to check out this episode and all other episodes of IFA Talk on Spotify, Apple Podcasts, and Amazon!
In this week’s episode of IFA Talk, we’re shining a spotlight on one of the most important and often overlooked parts of the advice process: the first client meeting.
Joining Jenny and Sue for the chat is the fantastic Melissa Kidd, Director, Speaker and Soft Skills expert, who’s on a mission to help advisers make the most of that all-important first hour with a potential client.
Earlier this year, Melissa spoke to over 100 financial advisers to find out what’s really going on in those initial meetings. Why do some advisers convert with ease, while others struggle to get the outcomes they’re hoping for? What are the common communication pitfalls? And how can a few small mindset shifts lead to big improvements in results?
Melissa shares the outcomes of her research, as well as practical ideas and insight from the mentoring work she’s been doing to help advisers up their game, including starting a Finesse Your First Meeting Mentoring Programme.
This episode is packed with thoughtful takeaways on how to build trust, communicate value, and boost client engagement right from the start.
Tune in now to hear Melissa’s top tips on turning a first meeting into the start of a strong and lasting client relationship.
In this week’s episode of IFA Talk, we’re taking a look at the journey from paraplanning to partnership – and who better to talk us through it than Stuart Coombe, Partner and Rural Specialist at Old Mill.
Stuart joined the firm back in 2008 as a paraplanner, fresh from a dairy farming upbringing in East Devon. Since then, he’s not only become a Chartered Financial Planner but also made the leap into advice – and more recently into leadership as a Partner. It’s been quite the progression, and in this episode, Stuart shares the key moments, learnings and motivations behind each step of his career.
We chat about what first drew him to financial services, how he tackled the shift from paraplanning to advising, and why professional development has been a cornerstone of his success. Stuart also reflects on his new role mentoring up-and-coming advisers, offering valuable advice for paraplanners looking to take the next step.
It’s a conversation packed with insight, honesty, and practical takeaways for anyone thinking about how to build a meaningful and rewarding career in financial planning.
A big thanks to Stuart for sharing his story – and to you, our listeners, for tuning in. Don’t forget to subscribe to IFA Talk for more stories and conversations from the world of financial advice
In this week’s special New Insurance and Protection edition of the IFA Talk podcast, we’re shining a spotlight on the vital role financial advisers play in delivering better protection outcomes for clients, and how providers like Legal & General are working to support them every step of the way.
Hosted by Sue Whitbread and Meg Bratley, this episode features Mike Pritchard, Programme Manager (Distribution Quality Management), Retail Protection at Legal & General. Mike brings deep insight into how data, technology, and practical adviser support are transforming the protection landscape.
What’s in this episode?
- How can data and insights enable better decisions in protection advice?
Mike shares how data is helping advisers give clients more personalised, more effective protection solutions. - Why does L&G call advisers the ‘heroes in the middle’?
Discover why advisers are being championed for their pivotal role in protecting financial futures and what that looks like in action. - What role should providers play in supporting advisers and their clients?
Mike discusses the responsibility providers have in helping advisers succeed, from tools and training to regulatory support.
This episode is a great listen for any adviser looking to enhance their protection conversations and feel more supported in doing so.
Check out the conversation on Spotify, Apple Podcasts and Amazon!
In this week’s episode of IFA Talk, we’re tackling some of the big themes dominating market conversations in 2025, notably tariffs, interest rates, and the soaring price of gold.
With geopolitical tensions running high and Trump’s tariffs creating waves across global markets, we ask what it all means for advisers and their clients. To help make sense of the current investment landscape, Sue and Matt are joined by Daniela Sabin Hathorn, Senior Market Analyst at Capital.com, for a timely and insightful discussion.
Why listen? Key takeaways for financial advisers
Whether you’re thinking about client concerns, portfolio positioning, or asset allocation strategies, this episode offers valuable perspectives, including:
- How Trump’s tariff policies could impact global economic growth in the second half of 2025 and beyond
- The outlook for global interest rates – and whether advisers should expect further cuts or renewed inflationary pressure
- The future of US equities – will the dominant market narrative continue or is a slowdown looming?
- What’s next for gold? With prices near record highs, Daniela shares her take on whether demand will hold up
Listen now to hear Daniela’s market views and practical insights to help support your investment conversations with clients.
Given that markets can move so quickly right now, we should add that this podcast episode with Daniela was recorded on 23rd July.
July’s special Mortgage and Property Investment edition of the IFA Talk podcast is now live. And it's one not to miss if you're a financial adviser or mortgage broker.
This month, Sue and Matt are diving into the world of mortgage technology, exploring how innovation is reshaping the way brokers, lenders and clients interact throughout the borrowing journey. They’re joined by Rowan Clayton, Chief Product Officer at Finova, for a timely and insightful discussion.
Rowan shares his perspective on how and why mortgage tech is such an exciting space right now. He explains how digital tools, AI and machine learning are really starting to change the borrowing experience, not just in theory, but in practice. He also offers a clear explanation of composable architecture, a concept that’s set to have a major impact on the mortgage market in 2025 and beyond.
With rapid developments in tech and shifting client expectations, how can brokers and lenders stay ahead? And what are the biggest challenges facing the industry right now?
Tune in for this thought-provoking conversation on how things are set to change in today’s fast-evolving mortgage landscape.
In this episode of IFA Talk, Matt and Jenny discuss all things VCTs, following the extension of the sunset clause.
Joining them to share his expert insights is Chris Lewis, Chair of the Venture Capital Trust Association. Chris reveals his thoughts on what’s likely to shape the VCT agenda, as well as providing some real-world examples of companies these trusts are backing across the UK.
They also explore the wider economic impact of the VCT market – now supporting over 1,000 companies and managing more than £6.5 billion, along with the key things advisers and investors should keep in mind when considering VCTs in today’s uncertain environment.
You can listen to this episode on Spotify, Apple Podcasts, and Amazon!
In this episode of IFA Talk, Sue and Matt are joined by Mollie Thornton, Senior Investment Manager at Parmenion, to explore how ESG investing is changing and what that means for advisers.
We look beyond the usual headlines to ask: why are companies like Amazon now appearing in ESG and MPS portfolios? Mollie explains what’s behind this shift and whether it signals a more pragmatic, engagement-led approach to ESG.
She also breaks down the key differences between exclusion-based strategies and those focused on active engagement, offering practical tips on how advisers can spot the difference. Is a fund manager really driving change, or just finding a way to hold high-performing but controversial stocks?
Finally, with the FCA’s SDR in play, Mollie shares how fund labels can help advisers have more confident, transparent ESG conversations with clients.
Listen now: Beyond the ‘ESG’ Label – ESG investing, engagement, and the Amazon question with Mollie Thornton.
In this week’s episode of IFA Talk, we’re diving into the vital topic of financial education for young people. Joining IFA Magazine’s Meg Bratley and Jenny Hunter is Vilma Marques, Outreach Programmes Manager at the Chartered Insurance Institute and Personal Finance Society.
Vilma shares insight into the Education Champions initiative – a programme designed to bring financial professionals into schools and other organisations to help students understand real-world money matters. From budgeting and saving to financial planning and careers in finance, the scheme is all about making financial education practical, relatable, and inspiring.
With financial literacy still largely absent from the national curriculum, Vilma discusses who should be taking responsibility for improving it – schools, parents or the industry – and what kind of impact Education Champions are already having in classrooms across the UK. Encouragingly, the scheme isn’t just about learning to manage money – it’s also helping spark interest in financial planning as a career.
If you’re a financial professional who wants to give back and help the next generation build stronger money habits, this episode is for you. Vilma also explains how advisers and their firms can get involved – even with limited time and resources.
To learn more about the Education Champion scheme you can follow this link: https://www.thepfs.org/about-us/initiatives/my-personal-finance-skills/education-champions
In the latest episode of our New Insurance and Protection Podcast, we dive into one of the most complex areas in the protection space – arranging high-value life cover for clients with significant sums assured and in some cases intricate medical histories too.
Our hosts, Sue and Meg, are joined by Ken Maxwell, Chartered Wealth Manager and Director at specialist protection assurance adviser, John Lamb Hill Oldridge (JLHO). Ken shares his expert insight on the practical underwriting hurdles brokers face and what really happens behind the scenes with insurers and reinsurers.
What to expect in this episode
We explore what high-value life cover really means
Ken kicks off by defining what constitutes “high-value” cover and the types of client scenarios that often lead to underwriting complications.
We dig into the impact of clients’ medical histories
Even small historical medical issues can affect underwriting outcomes. Ken explains how advisers can help manage expectations and streamline the process.
We examine insurer and reinsurer delays
What happens when a case gets referred to a pricing team? Ken sheds light on the behind-the-scenes work that can slow down – or speed up – a decision.
We look at underwriting inconsistency across providers
Why can one insurer say yes, another apply a loading and another say no? Ken discusses the challenges advisers face when dealing with such varied underwriting stances across the market.
Top tips for brokers working on high-value protection cases
Before we wrap up, Ken shares three must-know tips for financial advisers to improve outcomes when dealing with complex protection needs.
How can advisers help clients stay calm in stormy markets? In the latest episode of IFA Talk, Sue and Matt tackle a topic that’s becoming more and more relevant for advisers and their clients: investor anxiety.
With markets showing plenty of volatility right now, it’s no surprise that some clients are feeling uncertain – even panicked – about their investments. And while short-term market moves may come and go, the emotional response they provoke can leave lasting impacts if not addressed properly.
That’s why this week, Sue and Matt are joined by Linda Johnstone, Head of Investment Proposition at Novia Global, to share her expert insight on managing investor anxiety. Not only does Linda highlight how advisers can play a key role in guiding clients through challenging times but she also offers top tips to help clients manage such anxiety.
"Anxiety is emotion, not strategy – and it’s often rooted in short-term thinking. The challenge for advisers is to reframe the narrative, remind clients of the long-term view, and build trust through consistency and communication."
— Linda Johnstone, Novia Global
Whether you’re looking for practical behavioural finance tips or a fresh take on how best to support client wellbeing, this episode is packed with timely value for advisers.
Tune in to the full episode here: IFA Talk – Dealing with Investor Anxiety
Also, you can listen to the Brooks MacDonald podcast, referenced in this episode, by clicking here!
Linda Johnstone
Linda Johnstone is Head of Investment Proposition at Novia Global. She has over 25 years of experience in international financial services. She brings together her knowledge of funds, platforms and DFMs to enhance Novia Global’s investment proposition and provide advisers with the tools and choice needed to deliver effective investment solutions for clients.
In this latest TEI special episode of IFA Talk, Matt and Jenny dive into the UK’s small and mid-cap companies.
While this area of the market has faced some challenges in recent years, there are signs that things could be turning a corner as investors increasingly look for opportunities that offer both growth and income potential.
Joining us to unpack all of this is Fraser Mackersie, Fund Manager at Unicorn Asset Management. Fraser shares his thoughts on what makes UK small and mid-cap companies an attractive investment opportunity, how Unicorn’s approach focuses on the fundamentals, and why that can be especially powerful in this part of the market.
You can listen to this episode on Spotify, Apple Podcasts and Amazon!
With market volatility and economic uncertainty top of mind for advisers, today’s clients are looking for resilient, diversified portfolios that can help them to weather the storm.
In this week’s IFA Talk podcast, we’re tackling a crucial question for modern portfolio construction, and that’s what role can liquid alternatives play in helping to make multi-asset portfolios more robust?
To help us answer that question, Sue and Matt are joined by Ryan Paterson, Portfolio Manager at Schroder Investment Solutions. Ryan brings over 20 years of industry experience to the conversation and co-manages the Schroders range of investment solutions.
Tune in to hear the conversation which covers:
- What are the key benefits of incorporating liquid alternatives into an investment portfolio - especially in today’s volatile markets?
- What are the common challenges investors face when trying to access liquid alternative investments, and how can they be overcome?
- How does the new Schroder Alternative Portfolio help break down barriers to investing in liquid alternatives and what makes it a practical solution for advisers and wealth managers looking for greater portfolio diversification?
Don’t miss out
Whether you’re exploring ways to future-proof client portfolios, or simply want a clearer understanding of liquid alternatives, this episode is packed with insights, solutions and fresh perspectives from one of the UK’s leading investment managers.
In this special 'Mortgage & Property Investment Magazine' edition of IFA Talk, Matt and Jenny delve into the ever-evolving property market. As the middle of the year rapidly approaches, the property market is shifting, and investors are increasingly turning their attention to commercial property.
Joining us is Roz Cawood, Managing Director of Property Finance at Streambank. Roz reveals how brokers can bridge the gap and stay ahead in 2025, along with outlining how they can effectively support their clients.
Together, we delve into the key drivers behind the growing interest in commercial property, with Roz sharing her wealth of insights into which client types are leading the charge. The conversation also tackles one of the most discussed frustrations in the industry: the 12-month minimum term for bridging finance. We shed light on why this rule is challenging for certain clients and whether regulatory changes or creative solutions within the existing framework might be the way forward.
From taking a closer look at how brokers are experiencing these changes on the ground, to sharing advice on how brokers can continue to navigate the market’s challenges and remain a valuable resource for clients in 2025, this episode covers some of the most pivotal questions being asked in the mortgage sector right now.
In this week’s episode of IFA Talk, we dig into some of the recent insights from FE Fundinfo’s latest financial adviser survey, which looks into the real-world challenges and key trends that advisers are currently experiencing.
From increased regulation and market volatility to shifting client expectations, the landscape isn’t exactly getting any simpler. Helping us unravel this is David Scholes, Director of Wealth Sales at FE Fundinfo.
David talks about how artificial intelligence is starting to reshape the way the advice industry works and diving into one of the biggest opportunities – and challenges – facing advisers today: the great generational wealth transfer.
In this week’s episode of IFA Talk, we’re shining a spotlight on one of the most important – and complex – areas of financial planning today: retirement income strategies.
With the FCA’s thematic review highlighting both the opportunities and challenges in retirement advice, it’s more crucial than ever for advisers to get this right. Clients need retirement income strategies that are resilient, flexible, and tailored to their evolving circumstances – and it’s up to advisers to deliver them.
That’s why we’re joined by Neil Cowell, UK Distribution Director at Brooks Macdonald, to explore this increasingly high-priority topic.
What’s in this episode?
Hosted by Matt and Sue, the conversation covers:
- Why retirement income is firmly in the industry spotlight right now
- How Brooks Macdonald has led the way in decumulation since launching their bespoke solution in 2018
- Recent developments in the retirement income landscape advisers should be aware of
- And most importantly – what today’s IFAs can do to ensure their proposition is robust, compliant and future-proofed
Neil brings deep insight into how advisers can evolve their retirement planning frameworks and ensure they’re delivering the right outcomes for clients entering – and living through – retirement.
Whether you’re already refining your decumulation offering or just starting to rethink your approach, this episode is packed with timely insights and practical takeaways.
Tune in here to listen in…
In this week’s episode of IFA Talk, Sue and Matt explore fresh insights from HSBC Life’s report, The Three Is of Investable Capital 2025, produced in partnership with Technical Connection.
With capital gains tax and dividend allowances changing, the role of onshore bonds is coming right back into focus for advisers. This report delves into why and how advisers can better utilise onshore bonds in clients’ financial planning strategies.
Our guest is Mark Lambert, Head of Onshore Bond Distribution at HSBC Life, who joins us on the podcast once again. Mark tells us not only why HSBC Life created the report, but he also shares the key insights across its nine chapters and highlights the specific benefits of onshore bonds within a client’s investable capital strategy.
Whether you’ve been recommending onshore bonds for years or are just starting to wonder if it’s time to revisit them, this conversation offers valuable perspectives for your advice practice.
Listen to the podcast here.
In this month's special Insurance & Protection edition of IFA Talk, Sue and Meg are diving into the topic of electronic wills and the future of legacy planning. Joining them to share his expert knowledge on the area is Adeus Life's Nick Adams.
Together, they explore what’s changing in the legal landscape around wills, and how digital innovation could soon be shaking things up.
Nick reveals what happens if you don’t have a valid will in place, the issues with the current will legislation, and the plans and potential issues with electronic wills.
In the latest episode of IFA Talk, we’re diving into the findings of The Lang Cat’s State of The Advice Nation report with Steve Nelson, Insights Director at The Lang Cat. Co-hosting with our Editor, Sue Whitbread is our very own Senior Financial Journalist, Jenny Hunter, who brings a unique perspective as a part-time Chartered Paraplanner herself.
The report reveals that more paraplanners than ever are choosing to remain in their roles rather than transitioning into advisory positions. But it’s not all smooth sailing – ongoing frustrations around remuneration and the lack of a dedicated Chartered pathway are still hot topics.
Steve shares his insights on what’s driving these trends, the evolving perception of paraplanners in the industry, and what the future might hold – especially as AI continues to shake up the financial advice sector. Steve gets Jenny involved in the conversation as well and puts her on the spot, throwing a few questions her way, making her a part guest, part host for this episode.
So, whether you’re a paraplanner looking for career inspiration or an adviser curious about the shifting dynamics within your team, this episode is packed with valuable insights.
You can find the full State of The Advice Nation report, which is well worth a read, by following this link.
In this month’s special Mortgage & Property edition of IFA Talk, Jenny and Meg explore the fast-evolving world of later life lending — a sector which is gaining momentum and rapidly beginning to capture growing interest among advisers and clients alike.
As demand grows for more flexible borrowing options in later life, we’ll be unpacking how advisers can effectively meet the needs of this expanding client base. From practical advice on supporting borrowing into retirement to a forward-looking discussion on what’s next for the market, both Will and Adrian talk us through the key opportunities and potential driving the sector’s growth, as well as the emerging challenges that advisers need to navigate moving forward into the future.
Joining us to discuss this is Will Hale, CEO of Air Later Life Lending. Will brings a wealth of expertise in supporting advisers as they navigate the complexities of later life lending — from understanding what’s driving the sector’s growing momentum to helping shape its ongoing evolution.
Adrian Brewer, Head of Later Life at Access Financial Services, leads the firm’s strategy for delivering tailored, holistic financial advice to clients aged 55 and over. With more than 28 years of experience in consumer finance, he also oversees internal referrals across the business, ensuring clients benefit from the full breadth of expertise that Access Financial Services provides.
For this week’s episode, we’re diving into the world of AI in financial advice. With tech adoption on the rise, there’s plenty to unpack – from the potential of AI to streamline processes to the risk of losing that all-important human touch.
Joining IFA Magazine’s Senior Financial Journalist Jenny Hunter and Editor Sue Whitbread are two industry experts who are right at the forefront of these changes – Amal Jolly, Chief Executive and Co-Founder of Saturn, and Rohit Vaish, Saturn’s Co-Founder and President. They’ll be sharing their insights on why AI is gaining traction among advice firms, whether we’re really on the brink of a ‘golden age’ for financial planning, and how advisers can bring their teams along for the ride.
So, whether you’re already embracing AI or just starting to dip your toes in, this episode is packed with practical insights and expert advice you won’t want to miss.
Saturn are always looking to be interactive and regularly host in person events to demo their suite of tools.
In this week’s episode, Matt and Jenny dive into the world of MPS with expert James Giblin, a Multi-Asset Fund Manager at L&G. James discusses how advisers view MPS—whether it’s more of a product, a service, or something in between—and what really matters when it comes to picking the right solution.
James explores what makes an MPS relationship work—and why it’s about more than just performance charts and factsheets, whether we have reached peak MPS take-up and the questions advisers are asking as part of their MPS selection process.
You can listen to this podcast on Spotify, Apple Podcasts and Amazon!
Let’s face it—Letters of Authority (LoAs) are one of the biggest pain points in financial services. They should be straightforward, but more often than not, they’re anything but. In this week’s episode of IFA Talk, we’re digging into why that is, and more importantly, what’s being done to make the process better.
Joining us for a proper deep-dive into the world of LoAs are two people who know this stuff inside out: Justine Pattullo, chair of the Fix LoA Action Group (FLAG) and fractional CMO for a bunch of Fintechs, and Nick Green, Strategy & Proposition Director at Criterion.
Together, they give us the lowdown on why the LoA is so important for client servicing, where the worst friction points are, and who’s actually responsible for the mess. They also lift the lid on some much-needed solutions—including the new LoA Data Checklist Standard, which could be a game-changer.
If you’ve ever battled the dreaded wet signature or been stuck in LoA limbo waiting for a response, then you will want to listen in.
In this week’s episode of IFA Talk, we dive into one of the most exciting developments in personalised advice: behavioural finance. We explore why the days of one-size-fits-all advice are numbered — and how understanding how clients feel and behave around money can make all the difference.
Joining Matt and Sue to unpack all of this is Dr Greg B. Davies, Head of Behavioural Finance at Oxford Risk, a global leader in turning deep behavioural insights into practical tools for advisers. Oxford Risk have recently launched a new investor personas solution, so we’re thrilled to be speaking with Greg about how it works and what it means for your client conversations.
Greg reveals how Oxford Risk's Investor Personas are used in the day-to-day work of financial professionals and how they go beyond just categorising clients.
With the FCA pushing for more tailored support, many firms are still relying on demographics and portfolio size. Greg explains why that approach is falling short, and outlines how behavioural personas offer a more meaningful way to deliver properly targeted solutions. Greg also dives into retirement, summarising how understanding a client's behavioural persona help advisers tailor their support in those key moments.
You can listen to this conversation on Spotify, Apple Podcasts and Amazon!
In this week’s episode of IFA Talk, Jenny Hunter and Sue Whitbread dig into one of the most important regulatory developments facing financial advisers and firms today – the FCA’s newly launched strategy for 2025 to 2030.
What does the strategy actually say? What does it mean for firms in the short and long term? And how can advisers prepare for what’s coming?
To help break it all down, we’re joined by Bernadine Reese, Managing Director in the Risk and Compliance team at Protiviti. With years of experience supporting regulated firms through change, Bernadine shares her insights on the regulator’s new direction – and what it means for competitiveness, innovation, and the global regulatory landscape.
We also explore how the FCA is using technology to transform its own approach, what firms need to do to stay compliant across borders, and the real opportunities for those that embrace change effectively.
It’s a conversation full of practical insight, thoughtful analysis, and forward-looking advice – ideal for anyone looking to understand the FCA’s evolving priorities and how to future-proof their firm.
This week on IFA Talk, hosts Matt and Sue tackle one of the most significant developments shaking global markets—Trump’s reintroduction of tariffs.
With markets on edge and economic forecasts shifting rapidly, we’re joined by Nicolò Bragazza, Associate Portfolio Manager on Morningstar Wealth’s multi-asset team, to break down what financial advisers really need to know.
We explore key questions, including:
- What impact could these tariffs have on global growth and economic stability?
- Are we at risk of a full-blown trade war?
- Could markets fall further—and faster?
- How should advisers approach portfolio reassessment and rebalancing in such uncertain times?
Don't miss this insightful and very topical episode that cuts through the noise to give advisers some much needed clarity to try and help you guide clients more confidently in the weeks and months ahead.
Be sure to tune in to this podcast on Spotify, Apple Podcasts, and Amazon Music.
In this month's special 'Insurance & Protection' episode of IFA Talk, Matt and Sue are diving into a topic that sits at the core of great financial planning; value in the protection space.
We hear the word 'value' all the time, but what does it actually mean? Is it just about price? Or is it about the true worth and benefits protection brings to clients? And with the growing advice gap, where fewer people are seeking financial advice or guidance, are they missing out on genuine value without even realising it?
Joining us this week to answer all of these questions is Shelley Read, Senior Technical Manager at Royal London. Shelley brings invaluable insights from Royal London’s latest 'Meaning of Value' report, which explores how both clients and advisers perceive value — and, crucially, how we can communicate it more effectively.
Shelley also discusses practical ways advisers can bring protection into the conversation and truly showcase its importance to clients.
You can listen to this episode on Spotify, Apple Podcasts and Amazon Music.
In this week’s episode of IFA Talk, Jenny and Sue are diving into the world of US investing—at a time when markets feel more jittery than ever.
With recent volatility shaking investor confidence and big headlines dominating the financial news, it’s never been more important for advisers to help clients keep calm and stay focused. That’s why we have two brilliant guests from Ninety One’s Quality investment team: Paul Vincent and Will Nott in the hot seats. Together, they unpack what’s really going on beneath the headlines and how investors might navigate these turbulent times with a bit more clarity.
From macro market drivers to the role of the mega caps, and from the influence of AI to the potential in overlooked corners of the US market, Paul and Will offer valuable insight grounded in research and experience. It’s a wide-ranging chat that cuts through the noise—and gives advisers something meaningful to bring to their next client conversation.
So, whether you're after perspective on US equities, curious about concentration risk, or just wondering where the opportunities are hiding, this episode’s got it all.
In this special Mortgage and Property edition of IFA Talk, hosts Sue and Matt explore how financial advisers can better support clients with more complex borrowing needs.
They’re joined by Chris Blewitt, Head of Mortgage Distribution at Darlington Building Society, an organisation known for its flexible and personal approach to lending. Together, they delve into how building societies are uniquely positioned to bridge the gap between mainstream banks and specialist lenders — offering tailored solutions for borrowers with non-standard financial situations.
Topics covered include:
- Lending solutions for skilled workers on visas
- The growing appeal of holiday let investments
- Mortgage options for expats
- And more insights into niche lending opportunities
Whether you’re working with first-time buyers, seasoned investors, or clients with more nuanced financial profiles, this episode is packed with valuable takeaways to help you offer smarter, more inclusive advice.
Listen now and discover how to better serve clients who don’t fit the traditional mortgage mould.
In this week’s episode of IFA Talk, we mark a major milestone in retirement planning: ten years since the introduction of Pension Freedoms. Jenny Hunter and Sue Whitbread are joined by Ed Monk, Associate Director at Fidelity International, to reflect on how this seismic shift has shaped the retirement landscape – and what advisers need to consider looking ahead.
Ed shares Fidelity’s latest analysis of how the first cohort of retirees has fared under the new rules, and the findings are eye-opening. Despite initial fears, even those drawing down at higher rates – 5%, 6%, or even 7% – still retained significant pension savings, thanks in large part to strong market performance. But Ed warns that future retirees may not be so fortunate.
The discussion delves into whether the 4% ‘safe withdrawal rule’ still holds water, how advisers can help clients navigate short-term volatility without derailing their plans, and why diversification – particularly the role of bonds – must be reconsidered in today’s uncertain economic climate.
Crucially, while Pension Freedoms have brought unprecedented flexibility, they also require a more hands-on approach to retirement planning. Ed highlights the need for tailored strategies that balance freedom with financial sustainability.
Tune in now on Spotify and Apple Podcasts to hear how past lessons can inform smarter, more resilient retirement planning in the decade ahead.
You can find the full analysis from Fidelity, here!
In this episode of IFA Talk, we’re tackling some of the biggest questions in today’s global stock markets.
US stockmarket indices have recently dipped to their lowest levels since last September, as concerns over tariffs, inflation, and even a potential US recession weigh on investors’ minds. Is this just a short-term correction, or the start of something more significant?
Meanwhile, the UK and US economies appear to be heading in different directions—so where do the best investment opportunities lie?
Joining Sue and Matt this week is Simon Evan-Cook, Fund Manager at Downing Fox, to break it all down. We’ll explore:
- The latest on tariffs, market moves, interest rates and inflation
- How AI is reshaping the investment landscape
- What all this means for financial advisers, wealth managers and their clients
Tune in now to hear Simon’s ultra-practical take on what’s going on out there today. We hope that it will help you steer your way through these complex market shifts so you can enjoy client conversations with a little bit more confidence.
Welcome to another special episode of IFA Talk in partnership with GBI Magazine. This time, we look at the ever-evolving VCT landscape and the opportunities it brings.
IFA Magazine’s Senior Financial Journalist, Jenny Hunter, and GBI’s Content Editor, Matt Williams, are joined by James D’Mello, the Head of IFA Distribution at Fuel Ventures. With 15 years of experience in the industry, James brings a deep understanding of VCTs and how they are developing.
Together, they discuss why newer VCTs can present more attractive opportunities than larger, more established options. James then explores the shrinking VCT market, and the potential ramifications for advisers, and outlines some of the key sectors which are driving VCT growth today.
This episode provides valuable insights into the world of VCTs, giving you, our listeners, plenty of information on their opportunities, challenges and key growth areas.
Listen now on Spotify and Apple Podcasts to hear the full discussion.
In this latest episode of IFA Talk, Sue and Jenny explore a challenge that financial advisers frequently face—helping clients move beyond the security of cash savings and towards long-term investment growth.
This discussion highlights why so many savers still default to Cash ISAs, despite decades of evidence showing that investment returns have significantly outperformed cash savings.
Joining the conversation is Laura Suter, Director of Personal Finance at AJ Bell, who shares her insights on the risks of over-relying on cash and how inflation erodes its value over time. She discusses why many savers remain hesitant to invest and explores strategies advisers can use to build their clients’ confidence in making the transition from saving to investing. The conversation also looks at the importance of maintaining an emergency cash reserve while ensuring that clients do not miss out on the long-term benefits of investing.
With the ISA system becoming increasingly complex, the discussion touches on potential reforms that could simplify the process and encourage more people to invest. As cash struggles to keep up with inflation, could sticking with it be costing clients more than they realise?
Tune in now on Spotify and Apple Podcasts to hear expert insights.
The Autumn Budget shook things up when the Chancellor announced plans to bring pensions into the inheritance tax (IHT) net from April 2027. This shift has sparked big questions for advisers, especially around balancing pension strategies with protection planning.
In this episode, we dive into:
- How the IHT changes impact pension planning — especially for clients with larger pension pots.
- Why protection policies are set to play a bigger role in client conversations.
- Practical insights and strategies from today’s guest - pensions expert Clare Moffat, Head of Technical and Marketing compliance at Royal London.
Clare joins hosts Sue and Jenny to break down what advisers need to know and how they can best support their clients through these changes.
Tune in for expert analysis and actionable takeaways to help you navigate the evolving landscape of pensions and protection.
Listen now for plenty of practical insight on these key topics HERE
In this episode of IFA Talk, we’re tackling one of the biggest issues in financial services today: the gender gap. While progress has been made, women in finance still face significant barriers to leadership, a persistent gender pay gap, and a workplace culture that often overlooks their contributions. But this isn’t just a matter of fairness—it’s a business imperative.
Joining Jenny and Sue for this discussion is Jenny Segal, a business leader, actuary, and workplace culture expert with over 25 years of experience in investment markets. With four books to her name and a deep passion for motivating teams and improving workplace culture, Jenny brings valuable insights into how firms can move beyond box-ticking and drive real change.
Following last week's International Women’s Day, this episode explores the most pressing challenges facing women in finance today, from the impact of workplace policies and leadership barriers to the need for financial products designed with women in mind. We’ll also discuss why companies that embrace gender diversity outperform their peers—and what needs to happen to turn awareness into meaningful action.
Tune in now for an insightful and thought-provoking conversation on the future of gender equity in finance.
You can find more IWD coverage using the following link: https://ifamagazine.com/category/international-womens-day/
In honour of last Saturday’s International Women's Day, IFA Magazine is excited to share this special edition of our weekly podcast, IFA Talk, focusing on strategies to bridge the gender investing gap.
Recent data from Barclays Smart Investor indicates that women are disproportionately at risk of falling through the "advice gap" when it comes to investing.
In this episode, hosts Sue and Meg are joined by Clare Francis, Director of Savings and Investments at Barclays. Clare shares her unique journey from journalism to finance and delves into the findings of Barclays' latest research on female investment trends.
Tune in to gain valuable insights on empowering women in the financial landscape and practical steps to promote gender parity in investing.
Check out our conversation with Clare on Spotify and Apple Podcasts.
In celebration of International Women’s Day, we’re bringing you a special episode of IFA Talk, the weekly podcast from IFA Magazine. This time, we’re shining a well-deserved spotlight on the incredible contributions of women in financial services.
Join Jenny Hunter and Sue Whitbread as they sit down with Yasmina Siadatan, Chief Revenue Officer at Dynamic Planner – and winner of The Apprentice back in 2009! Yasmina shares her thoughts on gender equality in financial services, the progress made, and the challenges that remain in helping more women step into leadership roles.
The conversation explores what International Women’s Day means to Yasmina and why it matters across all professions. She reflects on the growing presence (or not in some cases) of women in leadership roles within financial services, the impact of role models and mentorship, and the advice she would give to her younger self.
With this year’s theme of #AccelerateAction, the discussion also focuses on the practical steps businesses and individuals can take to promote diversity and inclusion beyond just one day of recognition.
This engaging and thought-provoking episode is a must-listen for anyone interested in the future of financial services and the role of women in shaping it.
Later life lending is evolving rapidly, with new products, changing regulations, and growing opportunities for advisers and their clients.
In this special Mortgage and Property edition of IFA Talk, we’re joined by Sanjay Gadhia, Head of Sales at Standard Life Home Finance, who brings his expertise and passion for supporting advisers in this important market.
We explore how borrower needs are shifting, the latest product innovations, key regulatory changes, and some practical tips to stay ahead in the later life lending space.
Whether you're already advising in this area or looking to expand your services, this episode is packed with insights to help you navigate the evolving landscape and deliver the best outcomes for your clients.
Inheritance tax advice is a specialist area and it is recommended for clients to seek independent advice from a taxation specialist.
In this episode of IFA Talk, Jenny and Sue are diving into the evolving financial landscape and what it means for advisers and their clients. With tax and pension changes following the 2024 Autumn Budget, it’s more important than ever for advisers to stay informed on the latest trends and opportunities in financial planning.
To discuss these developments, we’re joined by Mark Devlin, Senior Technical Manager at M&G. Mark shares his expert insights on the key tax and pension implications of the budget and how advisers can navigate these changes effectively.
A key focus of this discussion is the rising popularity of insurance bonds, both onshore and offshore. Why are they becoming an increasingly attractive investment solution? What tax benefits do they offer? And how can advisers build a deeper understanding of these products to better serve their clients? Mark answers these questions and more, providing practical strategies for incorporating insurance bonds into financial planning.
Finally, we take a look at the fast-approaching tax year-end deadline and his useful tips, resources and tools that will help advisers support their clients even more at the time of year.
Retirement income planning is evolving fast — and staying ahead of the curve is crucial for advisers.
With the FCA’s retirement income advice review sparking big conversations last year, 2025 brings even more focus from the regulator on ensuring firms deliver the best outcomes for clients. The regulator is watching closely, so it’s essential to stay informed and ready for change.
In this week’s episode, we welcome back Richard Parkin, Head of Retirement at BNY Investments. Richard is a trusted expert in the field, known for his deep insights and practical knowledge on the subject of retirement income planning.
Join Richard, Sue, and Matt as they break down the findings of new research from BNY Investments and NextWealth: “Retirement Advice in the UK: Time for Change?” They explore the evolving role of advisers, the latest industry challenges, and what it all means for you and your practice in 2025.
If you want to navigate the shifting landscape of retirement advice with confidence, this is an episode you won’t want to miss.
Listen now on Spotify and Apple Podcasts and get the insights you need to thrive in 2025.
In this episode of IFA Talk, we explore the rising demand for income protection and what is driving its strong growth over the past 12 months. To help us unpack this topic, we are joined by Shelley Read, Senior Protection Technical Manager at Royal London.
Shelley shares her expert insights into the factors influencing this increase, how advisers can best support clients in navigating income protection solutions, and the role of income protection in holistic financial planning. Throughout the discussion, we explore practical tips for applying for income protection, how advisers can guide clients through the claims process, and the support available for those having these important conversations with clients.
Shelley has joined us on IFA Talk many times before, and we are delighted to welcome her back to share her extensive knowledge once again. She provides valuable takeaways for advisers looking to strengthen their income protection conversations and help clients understand the importance of securing their financial future.
This episode offers key insights into the changing landscape of income protection and the role it plays within financial advice. Tune in now to hear the full discussion.
Welcome to a special episode of IFA Talk in partnership with GBI Magazine. In this discussion, we take a deep dive into Venture Capital Trusts (VCTs) as they mark their 30th anniversary.
How have they evolved since their inception? Why do they remain relevant in today’s investment landscape? And what does the future hold?
To answer these questions, IFA Magazine’s Senior Financial Journalist, Jenny Hunter, and GBI’s Content Editor, Matt Williams, are joined by Will Fraser-Allen, Managing Partner at Albion Capital Group.
Together, they explore how the VCT landscape has changed over the past three decades and what this means for investors today. They discuss the latest fundraising trends, investor sentiment and the outlook for Albion’s current raise. Will also shares insights into the types of investors looking at VCTs and why advisers should consider them for their clients.
This episode provides valuable insights into how these investment vehicles continue to adapt and thrive.
Listen now to hear the full discussion and gain expert perspectives on the past, present and future of VCTs.
Many financial advisers are turning to outsourced investment solutions—but for those who prefer to keep full control in-house, the challenges are different. Can technology help? If so, how? What are the key obstacles, and how can advisers overcome them?
In this episode, we dive into these pressing questions with Symon Stickney, Founder and CEO of Collidr, a true innovator in the investment space.
We’re excited to bring you another insightful conversation from the world of financial services. Hosted by Sue Whitbread, editor of IFA Magazine, and senior financial journalist, Jenny Hunter, this week’s episode shines a spotlight on key topics from within the paraplanner profession.
This week, Jenny and Brandon are diving into what lies ahead for investing in 2025. After the rollercoaster of 2024, the year ahead might look calmer, but it’s still packed with important questions and opportunities for advisers and their clients.
We are joined this week by Dan Kemp, Chief Research and Investment Officer at Morningstar. Dan shares his invaluable insights into the key challenges and opportunities that 2025 is likely to bring. He explores whether US stocks will remain a stronghold after their stellar performance in 2024 or if better value can be found elsewhere. Is the US bubble about to burst? Dan gives us his opinions on that too!
In our latest IFA Talk podcast, hosts Jenny and Brandon sit down with Stuart Breyer, CEO of Mallowstreet, to talk all things AI and its growing role in financial services.
Stu shares how Mallowstreet is using AI, especially their SOFI tool, to make things run smoother and drive innovation. They chat about how AI can work alongside advisers to boost client service and streamline processes. If you've been wondering how to choose the right AI tools or what to consider when integrating them into your business, this episode has you covered.
A thriving property market relies on a strong foundation of first-time buyers. But with rising concerns about prolonged higher interest rates and the changes to those temporary stamp duty reliefs coming in from 1st April, the landscape is changing—and not in their favour.
These shifts will impact everyone looking to move, but first-time buyers face the biggest hurdles. For mortgage advisers, we know their success is vital to keeping the market moving.
So, how worried should we be? And more importantly, what practical steps can we take to support first-time buyers during these challenging times? Sue’s guest on this week’s podcast is Claire Askham, Head of Mortgage Sales at Buckinghamshire Building Society.
On this week’s IFA Talk podcast, Sue and Brandon sit down with Andrew Rockey, Head of Investment Solutions, and Tom Ball, Investment Solutions Director at Brooks Macdonald. Together, they explore how advisers can navigate today’s challenges and uncover opportunities to deliver effective, client-focused investment solutions.
Sue and Brandon’s guest on this week’s IFA Talk Podcast is Mark Sherlock, Head of US equities at Federated Hermes. In this episode, Mark tells us why he’s generally feeling positive about US investment prospects – particularly in the small and mid-cap arena where valuations remain compelling.
They discuss some of the uncertainties as well as risks that lie ahead as well as some of the reasons to be optimistic that 2025 will provide plenty of opportunity for active managers to deliver alpha.
In this episode of IFA Talk, Glamis IFA's Charles Chami, an IFA based in Bristol, discusses some of the many challenges he faces in his role as an IFA and as a director of a directly authorised business.
Charles reveals what it was like moving from working an investment bank into the world of financial advice and what some of the biggest challenges are whilst being an IFA and a director in a directly authorised firm.
Also in the discussion, Sue and Brandon ask Charlie about the trials and tribulations of working in a family business as well as the benefits.
When it comes to insurance, your clients almost always think about protecting their homes, cars, businesses and even lives but often neglect to shield the thing that makes that all possible, their income.
On the show today, Sue and Brandon welcome back Rose St Louis, Protection Director at Lloyds Banking Group – someone who is particularly passionate about the need for protection and always has plenty to say!
This week they’re talking income protection, why it’s important and how advisers can take a holistic view of protection. They also touch on an interesting new product that Scottish Widows have recently launched, their flexible income protection policy – it’s well worth checking out!
Don’t miss this insightful and thought-provoking discussion. Tune in now!
Welcome to a special episode of IFA Talk, brought to you in partnership with GBI Magazine. In this week’s podcast, we’re diving headfirst into one of the most pressing and exciting topics of our time—how we’re powering the future and navigating the energy transition.
Hosted by Matt Williams, Content Editor at GBI and IFA Magazine, alongside IFA Magazine’s Senior Financial Journalist Jenny Hunter, this episode brings together two exceptional guests from Blackfinch. Joining the conversation are Dr Reuben Wilcock, Head of Ventures, and Tim Wynn-Jones, Head of Energy Transition.
In this episode of IFA Talk, we're getting into a topic that’s been stirring up some serious conversation in the financial world—how well are advisers really connecting with their women clients? Jenny Hunter, our Senior Financial Journalist, and Editor Sue Whitbread dig into some eye-opening research called "Women and Financial Advice."
Welcome to this week’s Mortgage & Property edition of IFA Talk! In this episode, we dive into the exciting world of later-life lending—a sector experiencing rapid growth and opening up incredible opportunities for advisers and their clients.
Joining us is Dave Harris, CEO of specialist later life lender, more2life. With his wealth of experience and optimism about the future, Dave shares insights on the evolution of later-life lending products and how these changes are creating new possibilities for mainstream mortgage advisers and IFAs with older clients.
We also explore some of the barriers that may be holding advisers back from engaging with this market and discuss the compelling reasons to get involved. Finally, Dave sheds light on the unique challenges of the later-life lending sector, especially in the context of Consumer Duty requirements, and how advisers can confidently navigate this space without needing to cover every available product.
Whether you’re already advising in this area or just curious about the opportunities, this episode is packed with valuable takeaways to help you grow your expertise and serve your clients better. Don’t miss it—tune in now!
Our guest on this week’s IFA Talk is Ruth Handcock, Chief Executive of Octopus Money – and someone who’s always been so passionate about the future of financial advice as she makes so clear in this conversation.
During her chat with Sue and Brandon, Ruth explains how by using a combination of coaches (aka humans!) and great tech, Ruth and her team at Octopus Money is now partnering with financial advice businesses to deliver practical and cost effective solutions to these big challenges.
In this week’s show, Sue and Brandon talk to Shanti Kelleman firstly to reflect on some of the ideas her and her team got right in 2024. They progress to talk about her thoughts on some of the possible positive events she’s seeing ( spoiler alert – look out for some surprises here!), then it rolls into where some of the key risks might lie and how she and her team use these ideas to create diversification within portfolios.
In this week’s special edition of our IFA Talk, Sue and Brandon focus on the measures announced in last week’s budget that are of most relevance to advisers and their clients.
Chancellor Rachel Reeves’ first budget was always going to involve some big decisions. And big was what she delivered - announcing the biggest budget tax rises we’ve seen in the modern era - at a whopping £40bn. Whether it’s employer NICs, IHT, CGT, pensions, the property market, gilts etc. the chancellor has given advisers plenty to think about.
We’re used to seeing fixed rate mortgages being offered for a 2 year term or even up to 5 years but recently the market has been moving to offer even longer fixed rate products.
Sue and Brandon’s guest on today’s Mortgage & Property special edition of the IFA Talk podcast is really on top of all this and she is Rachael Hunnisett, Director Of Mortgage Distribution at April Mortgages. April is a lender which specialises in longer term fixes – and in her role there, Rachael is very much involved in driving their intermediary business.
In this episode of IFA Talk, Jenny and Brandon dig into the topic of Business Protection and why it’s something advisers shouldn’t overlook. In fact, it’s something that should be at the forefront of planning for businesses to have the right cover in place to protect both the company and its clients when the unexpected happens.
Welcome to our latest IFA Talk podcast! In this episode, we dive into the evolving landscape of UK Real Estate Investment Trusts (REITs), which have faced recent challenges but currently show signs of revitalisation.
Joining us is Matt Norris, Head of Real Estate Securities at Gravis, who will walk us through seven key factors that could spark a positive shift in the sector, beginning with the impact of declining interest rates.
Getting to grips with marketing is the subject for this week’s IFA Talk. Sue and Brandon’s guest is Nicola McCoosh. Nicola is founder of Yada Yada Finance, a financial marketing business based in Northern Ireland.
It was set up by Nicola – a seasoned marketing professional herself- to help financial services firms to bridge the gap between the needs of the business and needs of the clients which that business serves.
In this episode of IFA Talk, we are joined by TPT's Philip Smith to discuss the main reasons why so few people approaching retirement will use an adviser, how advisers can boost the uptake of professional advice at this key point and also set out a wish list for what some the biggest priorities might be for the new Labour government when it comes to DC schemes.
In this episode of IFA Talk, Jenny and Brandon delve into the rapidly evolving world of AI within financial services—a sector ripe with opportunities for innovation. Despite the buzz around AI, many advice firms are still navigating how to translate talk into tangible, practical solutions. Thankfully, we had Arran Kingston, Founder and CEO of 4admin, join us to share how his company is doing just that. P
Joining us is James Rae, Head of the AIM Inheritance Tax Service at Charles Stanley—one of the UK’s leading wealth management firms. Charles Stanley’s award-winning AIM service has helped countless advisers, and their clients navigate the complexities of IHT planning.
In this episode James will share his insights on how this service works, what makes it stand out, and how advisers can confidently offer it to their clients. He also very kindly looks into the future to give us his opinion on what the Labour government may say about AIM in the Autumn Budget 2024!
Welcome to our latest IFA Talk podcast – which this week is our latest Mortgage and Property special edition.
On our agenda today, are the MANY challenges facing first time buyers in the property market, which are amongst the most difficult they’ve faced for over 70 years.
In this week’s episode of IFA Talk, we tackle a pressing issue: the financial advice gap. Did you know that in 2023, 10 million people sought financial advice, but only 4 million received it? That leaves a staggering 6 million people without the guidance they need. Brandon and Jenny sit down with Karen Barret, CEO and Founder of Unbiased, to explore what’s preventing financial advisers from reaching more people and the barriers standing in their way.
In this week's episode, Brandon and Jenny chat with Jordan Sriharan, a Fund Manager at Canada Life Asset Management, to break down what’s ahead for the rest of 2024.
Jordan talks about all the big stuff, such as how fund managers like himself are adjusting to all the shifting pieces in the markets, changes in UK interest rates and what the upcoming U.S. election could mean for global markets. These are shaping how people are thinking about strategy, risk management, and asset allocation during these unpredictable times.
Sue and Brandon’s guest on this week’s IFA Talk podcast is Huw Davies, an Investment Manager in the Fixed Income - Absolute Return team, at Jupiter Asset Management.
In this week’s edition of the podcast, Sue and Brandon are turning their attention to end of life planning. Specifically, about how advisers can help clients to prepare for that eventuality. Their expert guest is Mark Wood, Chairman at Funeral Concierge Service, Everest.
As we look back on the first year of the FCA’s new Consumer Duty, we wanted to find out what it has actually meant for IFA and wealth management businesses in practice.
Questions like what does Consumer Duty look like for advisers now? What’s actually changed on the front line within advice businesses? Were advice firms really ‘already doing it’ as was often suggested? What about technology? How has that adapted? These were all on our mind.
In this week’s IFA Talk podcast Sue and Jenny are marking the first anniversary of the Consumer Duty by exploring what the new reality has actually been like for financial advisers over this past year. So, is it doing what it says on the tin?
On today’s episode of IFA Talk, we bring you a mortgage and property special with a focus on the role of building societies in the specialist lender market and the mortgage market in general.
To help us through this discussion, our guest this week is Laura Sneddon, Head of Mortgage Sales and Distribution at Hinckley and Rugby Building Society.
This week on the IFA Talk Podcast, Jenny and Brandon explore a growing theme in the financial services industry: Mergers & Acquisitions (M&A).
More and more businesses are choosing to explore a potential merger or sale of their companies, whether it be due to upcoming retirements or increasing regulatory costs, as a way of ensuring their and their client’s legacies can continue.
This week’s podcast will be focusing on a hot topic of the moment, AI and how this impacts the investment industry. We are living in a world of rapid technological innovation, where AI is on an exponential upward curve. The asset management industry stands on the edge of a transformation and has potentially a lot to benefit from these advancements.
Insurance and protection as part of financial planning can often be overlooked or treated as an afterthought when in reality it should form part of the cornerstone of financial planning for many clients.
So, on this week’s podcast Jenny and Brandon focus on insurance and protection, and in particular policy ownership, with their guest Gregor Sked, Senior Protection Technical Manager at Royal London.
Has your client retirement proposition evolved following the publication of the FCA's thematic review of retirement income advice? In March, the FCA wrote to the Chief Executives of financial advice firms asking them to review their processes when providing retirement income advice.
This thematic review has pretty massive implications for the advice profession. The regulator will be looking for clear evidence that advice firms are heeding its messages, making sure that they are delivering robust retirement income advice to clients.
So, what do advisers need to know? What do they need to do? Sue and Brandon’s guest on this week’s IFA Talk podcast is Richard Parkin, Head of Retirement for BNY Investments – someone who is hugely knowledgeable on this subject.
In this conversation, Richard succinctly sums up the five key findings of the review and discusses not only what they mean for advisers but also what advisers could/should be doing in response. With retirement income advice forming such an important part of the advice process, this is a podcast not to be missed.
Are you a paraplanner? Or maybe you’re an adviser or wealth manager who works with paraplanners? If so, this week’s podcast is for you.
This week, Sue and Brandon speak to The Lang Cat’s Steve Nelson about their sixth annual State of the Advice Nation report – all about Paraplanning.
It’s refreshing to hear such an influential and successful organisation highlighting what can often be an underrepresented profession within financial services.
Steve was a pleasure to have on the podcast and his dynamic personality really brought this project to life. He talked passionately about the results of the report including what can be done to make sure Paraplanner roles are more clearly defined going forward and whether Paraplanning is starting to bring more diversity to the industry. To wrap up Steve gets his crystal ball out and we got his thoughts on what he thinks the future holds for Paraplanners.
This conversation certainly uncovered some interesting stuff.
On this, the latest Insurance & Protection special edition of our IFA Talk podcast, Sue and Brandon are joined by the highly charismatic and influential voice that is Rose St Louis, Protection Director at Lloyds Banking Group.
Their conversation with Rose, formerly a financial adviser herself, is perfect for today’s Consumer Duty landscape. Not only does it delve into the importance of financial resilience and all-round holistic advice - but the conversation also draws out plenty of practical tips from Rose. There’s much food for thought for advisers and paraplanners to consider in relation to how you approach and deliver protection advice, providing even better outcomes for clients.
Sue and Brandon’s guest on this week’s IFA Talk is Gillian Hepburn, Commercial Director of Benchmark, a leading provider of financial planning solutions and a part of the Schroders Group.
In this episode, their conversation drills down into why Consumer Duty is about evolution not revolution and also some of the finer points about how the industry is adapting to life in this new regulatory environment, including the increased drive towards networks.
Sue and Brandon’s guest on the podcast today is Tom Adcock, Tax Partner at Gravita – and a former HMRC tax inspector.
In this week’s Insurance and Protection special edition of our IFA Talk podcast, Sue and Brandon’s guest is Ryan Griffin. Ryan is Protection Director at dedicated life insurance provider, Beagle Street.
Sue and Brandon’s guest this week is Paul Hogg, Head of Distribution at 8AM. 8AM are providers of data-driven investment solutions in the model portfolio space, with a clear evidence and outcomes based focus.
In this conversation with Sue and Brandon, Matthew Norris, Head of Real Estate Securities and adviser to the VT Gravis Digital Infrastructure Income and VT Gravis UK Listed Property strategies at Gravis, drills down into exactly how it’s changed, into why it’s no longer about offices and shopping centres. As he explains, it’s now all about next generation property, about REITs and how the fourth industrial revolution is changing the way we work, live and play.
Our guest on this week’s special Mortgage and Property edition of IFA Talk is Matthew Cumber, MD of Countrywide Surveying.
Countrywide are one of the largest surveyors in the UK with around 500 employed surveyors on the team. Tune in to hear Matthew explaining in detail to Sue and Brandon all about the different types of survey that buyers can choose and what the downside risks are of making the wrong decision.
In today’s podcast, Sue and Brandon thought it was the ideal time to talk about defensive assets and find out where there might be some decent investment opportunities for those looking to diversify their portfolios just now.
This week’s guest– a friend of the podcast as this is his third time on IFA Talk - is Jason Borbora Sheen, Diversified Income Fund Portfolio manager at Ninety One. In this broad ranging conversation, Jason gives us his practical take on gilts, bond markets more broadly and non-traditional assets.
Shelley Read, Senior Protection Technical Manager at Royal London joins Jenny and Brandon to give our listeners all they need to know about FIB. As well as highlighting what types of clients could benefit from having conversations around this type of protection which should help advisers identify opportunities to help those most in need.
Back for his second visit to the IFA Talk Studio, our guest this week is Jonathan Stinton, Head of Intermediary Relationships at Coventry Building Society.
Coventry has recently produced an influential report entitled “Beyond the Bricks” which looks in detail at what a green housing market really would look like. It’s an interesting conversation and one we think you’ll enjoy.
Helping older clients to raise finance is becoming an increasingly important part of the advice process. Our guest on IFA Talk today is Kay Westgarth, Sales Director at Standard Life Home Finance. Kay is highly experienced in this area and is keen to raise awareness amongst advisers of the range of later life finance options for the over-55s.
In this eco-friendly edition of our IFA Talk Mortgage and Property special podcast, Sue and Brandon have two great guests to share their knowledge and insight about retrofitting homes and installing energy-saving tech – and the financing of such projects.
Rich Horner, Head of Individual Protection at MetLife UK is Sue and Brandon’s guest on this week’s IFA Talk podcast and is particularly focused on growing the reputation and take up of protection products as a key part of the financial planning process.
On this week’s podcast, Jenny and Brandon speak to Hortense Bioy, Global Director of Sustainability Research at Morningstar. Morningstar has recently undertaken some useful research U.K. Sustainability Disclosure Requirements: An early analysis | Morningstar, to explore what the landscape of UK sustainability-labelled funds may look like in the future.
This week’s IFA talk is a Budget Special! Where we highlight the changes announced in yesterday’s Spring Budget 2024 that advisers need to be most aware of.
Joining Jenny and Sue this week is Steph Willcox, Head Actuary at Dynamic Planner. Bringing a wealth of knowledge about the financial services industry, Steph shares what impact she thinks the Budget announcements will have on adviser and client conversations.
National Conveyancing Week (NCW) will take place between the 11th and 15th of March this year and the organisers David Opie, Managing Director of Today’s Media and Rob Hailstone, CEO and Founder of Bold Legal Group, spend some time with Jenny and Brandon on this week’s IFA Talk, to help shine a light on the conveyancing profession.
With the tax year-end in sight, Sue and Brandon’s podcast guest on IFA Talk this week is Cat McInally, an investment specialist at M&G Wealth.
Their conversation with Cat explores important themes such as why gifting is becoming more popular recently, what are the gifting rules advisers need to be aware of and also what might be some of the barriers that exist to clients being prepared to make gifts.
In this week’s IFA Talk podcast, Sue and Brandon are looking at the world of technology, how the use of tech has changed so dramatically in recent years within both insurance and mortgage brokerages and also about how AI is already manifesting across the lending and insurance spectrum.
For this week’s IFA Talk GBI Special podcast, the first in our new series, our focus turns to VCTs. Joining Matt and Sue on the podcast is Mark O’Donnell, Head of Research at MICAP.
MICAP are part of Defaqto and are the leading provider of research and reporting solutions for financial advisers recommending tax-advantaged products like VCTs.
On this week's podcast, Sue and Brandon speak to Ian MacKendrick and Stephen Farnfield, both Chartered Financial Planners at Paladin Advice, an independent advice firm which is part of Rosemount IFA.
Both Ian and Steve have worked together at previous firms and have come together to focus their energy and expertise towards clients with a range of vulnerabilities. The inspiration for finding this niche within their careers comes from Ian’s disability and Steve’s brother who became disabled through medical negligence, so they really are true experts in their field.
For any financial planner, it’s never an easy thing to do to make the bold move of breaking away from an advice firm and role you’ve been in for a while and putting in the huge amount of time and effort that it takes to get your own new financial advice business up and running.
On this podcast, Sue and Brandon talk to Jack Mason Brown from Mason-Brown Financial Planning who has done just that. Jack set up his business in 2023 partnering with St James’ Place Wealth Management after starting his career at NFU Mutual.
On this week’s edition of IFA Talk, we invited back a guest from one of our most popular podcasts of 2023, Jordan Sriharan, fund manager at Canada Life.
Our podcast guest today is Jaxon Stevens, Sales Director at Tuscan Capital. Tuscan are providers of short term bridging finance and Jaxon has got plenty of experience in this specialist market, as this conversation goes to prove!
Joining Sue and Brandon on today’s podcast episode is Kristen Cunliffe DipPFS. As an IFA herself and Managing Director at Red Star Wealth she’s clearly got all the technical know how. However, Kristen also runs Red Star Education – a company that aims to develop financial literacy skills for all.
Sue and Brandon’s very first podcast guest of 2024 is someone who has strong views on the subject and a passion to drive progress – something he’s been working at for many years.
No doubt, he’ll be well known to many IFA Magazine readers and podcast listeners, as our guest today is the one and only Ian McKenna of advisersoftware.com
Sue and Brandon’s podcast guest this week is Jian Shi Cortesi. Jian is Investment Director at GAM, where she’s a member of their Global Growth Equity team and manages China and Asian equity funds too.
This week Sue and Brandon speak to Ahmed Bawa, the CEO at Rosemount Financial Solutions (IFA), one of the largest independent mortgage and financial planning networks in the UK, about how they are managing to successfully run their advice business
In this month’s Special Mortgage and Property edition of IFA Talk, Sue and Brandon dive into the world of self-builds with Tony Hall, Head of Business Development at the building society, Saffron for Intermediaries.
This week Sue and Brandon spoke to Roland Whyte, who is the Founder and CEO of Nokkel. Nokkel recently carried out a very interesting piece of research called the ‘Home Wealth Research Report’ in partnership with FNZ, with the actual in-depth research done by The Lang Cat.
The research gauged advisers’ views on how housing wealth is being handled as part of the financial planning process and in particular explored property as a potential asset with which to fund retirement. With growing concerns about insufficient savings among current and soon-to-be retirees and the tightening grip of consumer duty, the timing of this research and the findings could not be better.
On today’s IFA Talk podcast, Sue and Brandon are discussing this brave new world of wealth management and some of the challenges and opportunities created by working well with a wealth management partner.
In this week’s IFA Talk Podcast, Sue and Brandon are looking at investment through the interesting lens of the world’s leading consumer brands.
With affordability as well as the supply of suitable properties posing particular challenges for first time buyers, Brandon and Sue speak to Jonathan Stinton, Head of Intermediary Relationships at Coventry Building Society.
In this week’s IFA Talk podcast, Sue and Brandon are talking to Ian Partington, CEO at investment platform and investment software business, Third Financial.
Chris Kenning, CEO at fintech, Stubben Edge, is our Podcast guest this week.
In this conversation with Sue Whitbread, Chris explains why he believes that there’s still further to go in our use of tech and how it can already provide more solutions to the many business challenges which IFAs are facing today.
In this week’s IFA Talk Podcast, Sue and Brandon are talking Fixed Income with this week’s guest, Robert Alster, CIO of Close Brothers Asset Management.
While many financial advisers and planners are generalists, others prefer to specialise in advising particular groups/professions – and they will often gain real synergies from doing so. Their specialism could be in advising dentists, teachers, doctors etc. But what are the benefits of having such specialist knowledge about particular types of professionals or individuals?
No, Sue Barker hasn’t made a comeback via IFA Talk, but on this week’s IFA Talk Podcast, Brandon and (our) Sue’s guest is ideally placed to answer that question. She is Macey Greenall DipPFS, a financial adviser at Key Financial Wealth Management Ltd.
Samantha Lamas, Senior Behavioural researcher and Danielle Labotka, Behavioural Scientist at Morningstar, have returned to discuss yet another element of their research with Sue and Brandon.
This time, Samantha and Danielle have been delving into the reasons why clients might decide to HIRE a professional financial adviser in the first place.
In this, our very first Mortgage and Property special episode, we’re taking a look at the role which artificial intelligence – or AI – might play within the advice community. Brandon and Sue’s guest this week is mortgage tech guru, Thora Kehoe.
Thora is Chief Product Officer at mortgage tech platform Smartr365 – an end-to-end mortgage and protection platform connecting advisers, estate agents and home buyers.
On this latest IFA Talk Podcast we’re talking IHT planning, but with particular focus on the importance of Gift Cover – and we’re using that term purposely, as opposed to Gift Inter Vivos Life Insurance. That’s because there are some technical intricacies here that we explore in the conversation.
Sue and Brandon’s guest this week is an adviser who’s an expert in these matters and it’s Jonathan Morris, Senior Associate at specialist protection assurance adviser, John Lamb Hill Oldridge.
In this insightful conversation, Caitlin Southall outlines not only the crux of the gender pensions gap problem, something she is clearly very passionate about, but also some of the ways in which a multi-faceted approach – with providers, the advice community and government working together – could look to help solve it.
What’s really going on in today’s global markets? On today’s IFA Talk, Sue and Brandon wanted to get to the bottom of some of the main things which might be on advisers’ minds just now.
Refreshingly, you can forget technospeak and market jargon, today’s guest is Bill Blain, Strategist at Shard Capital, which guarantees an honest and properly down to earth assessment of what’s going on.
Today on IFA Talk, Sue and Brandon are looking at a hugely important subject– and that is health, wellbeing and mental health in the workplace.
Their guest, the fabulous Amy McKeown, is an award-winning Mental Health, Health & Wellbeing specialist consultant. As you will hear in this podcast, Amy is full of very powerful, practical yet straightforward tips to help kick start your strategy and ensure that your needs, including those of your business and your team, are being properly met.
On this week’s IFA Talk podcast, Brandon and Sue welcomed back Jordan Sriharan. Jordan is a fund manager on the multi asset team at Canada Life Asset Management.
Jordan discussed market theory vs market reality, the lagged impact of monetary policy and what it means for investors and finally he delved into the state of the economy and the looming threat of a recession.
In this week’s IFA Talk conversation, Sue and Brandon will be getting into the detail of why today’s equity release products are so different, with this week’s guest, Will Hale – CEO of Key Later Life finance.
In our latest IFA Talk podcast, we’re delving into the world of behavioural finance – to explore some of the reasons which lie behind clients’ decisions to part company with their financial adviser.
Sue and Brandon were delighted to welcome two guests from Morningstar who have particular expertise in the subject. Samantha Lamas, Senior Behavioural researcher and Danielle Labotka, Behavioural Scientist, both based over in the USA.
At IFA Magazine, we know that adviser-focused technology is always of interest to our readers and podcast listeners. We’re pretty sure you’ll enjoy listening to Sue and Brandon’s conversation with this week’s IFA Talk Podcast guest, Fintel’s CO-CEO, Matt Timmins.
On this episode of IFA Talk, Sue and Brandon welcome HSBC Life’s Mike Furniss as they explore the valuable extra benefits of modern protection policies - and how it isn’t always just new policies that can enjoy these valuable benefits.
On this week's episode of IFA Talk, Brandon and Jac talk to Hugi Clarke, partner at Foresight VCT about the growth of VCT investment and the benefits it can have for retirement.
On this week’s IFA Talk, Brandon and Jac talk to Angus MacNee, CEO of Validpath, whose network over the past 20 years has helped 100s of IFAs and IFA businesses to operate and thrive across the UK. They recently launched their alternative to consolidators, a do-it-yourself option called ‘Succession Solution” for those advisers looking to sell their business or retire. We caught up with Angus to find out more about the dynamics of the marketplace.
Working smarter and not just harder is increasingly important for advisers. Defaqto is an organisation with which advisers will be familiar, with 30% of IFAs already using its financial planning software, Engage. However, with big plans to empower advisers’ propositions still further, through more effective business development tools and clever client proposition models – such as the recent addition of a new cash-flow modelling tool within Engage, we wanted to find out more. In this week’s IFA Talk, Sue and Brandon are talking to Defaqto’s CEO, John Milliken, to find out more about those plans – especially given the new Consumer Duty.
Technology has transformed not just what adviser businesses can do but also how they do it. But, and it’s a big ‘but’, this digital age brings with it new threats and risks to business that can be a bit too easy for advisers and wealth managers to overlook.
Sue and Brandon’s guest this week is Jonathan Barrett, CEO and Co-Founder of Comentis, an organisation he helped set up a few years ago to use innovation and technology to help identify and protect the vulnerable and those at risk.
This week’s IFA Talk podcast guest is Richard Bacon, Head of Business Development at Shard Capital.
Tune in to hear Richard’s conversation with Sue Whitbread – about some of the positives and negatives of the changing landscape of today’s wealth management arena. And how and why the role of advisers remains key if clients’ needs really are to be properly fulfilled.
There’s been some interesting new adviser research out today from HSBC Life carried out in association with consultancy Technical Connection.
We thought it would be fascinating to delve into some of the detail of the report. And so, we’re very pleased that HSBC Life’s Head of Onshore Bond Distribution, Mark Lambert, is our guest on today’s IFA Talk podcast – the perfect person to tell us more about it.
The UK and global economy has been subject to turbulence for what seems like forever and as there are seemingly few signs of things getting easier, we wanted to help shed some light on the situation and we found the perfect man to do so.
Joining IFA Magazine editor, Sue Whitbread on the podcast this week is Dr. Niall O'Connor, Fund Manager at Brooks Macdonald. Throughout our conversation, Niall discussed the dreaded 'R' word - recession, stagflation and the attractiveness of investment trusts as an asset class.
Sue and Brandon’s guest in this episode is Kate Davies, Executive Director at IMLA - The Intermediary Mortgage Lenders Association. Kate is someone who has vast experience in the mortgage, property and financial sectors as will become clear when you hear the conversation.
On this week’s IFA Talk podcast, Sue and Brandon talk to Matthew Bugden about how One Four Nine is growing, in particular looking at acquisitions.
They discuss not only how the Group has grown so far or how the team identifies firms of interest but also some of the more common mistakes Matthew sees acquirers making – as well as how to avoid them.
On this week’s IFA Talk podcast, IFA Magazine Editor Sue Whitbread’s guest is FSCS’ Chief Communications Officer, Lila Plebain – a member of their Executive Team.
Their conversation not only delves into the detail of the survey, but also gives real insight into not only some aspects of FSCS’ work that you might not be aware of.
It sheds light on why FSCS is so keen to work together with the advice profession to enable more consumers to benefit from properly regulated, financial advice.
Recent research by 7IM has highlighted some of the underlying problems which advisers and providers must tackle if we are to provide the kind of retirement solutions that people really need. In this week’s IFA Talk Podcast Sue and Brandon are talking to Verona Kenny, Managing Director, Intermediary, at 7IM - someone who will be well known to many IFA Magazine readers.
At IFA Magazine, we know all too well that financial advisers deliver an incredibly valuable service for clients – but one thing that often intrigues us is whether protection gets the same level of attention as a client’s investments or pensions.So today, we’re exploring just that – the need for advisers to full consider clients’ protection needs. Joining Sue and Brandon on this week's IFA Talk Podcast is Ken Maxwell, director at John Lamb Hill Oldridge – a leading adviser in the specialist protection advice space.
It’s an investment theme for today’s IFA Talk Podcast, as Sue and Brandon welcomed David Appleton as this week’s guest. David is Senior Investment Director at the asset manager, Brooks Macdonald. As you’ll hear in this conversation, he is an open and easy communicator about all things investment – as we focus on multi-asset investing and take a look into the Cornelian Risk-Managed Passive fund range too.
In this episode, Sue and Brandon talk to Mark Hicks from Flagstone - the UK's leading cash deposit platform.
While we know our listeners are familiar with investment platforms, Flagstone offers something a little different and potentially equally valuable to help build your clients’ interest income and grow your business.
Discover how Flagstone gives you the perfect opportunity to quickly and easily distribute your clients' wealth into multiple savings accounts for greater returns and protection.
In our latest podcast conversation Brandon and Jacqueline talk to David Foreman Founder and Managing Partner of Praetura Ventures and Aidan Macmillan Senior Investment Manager of Par Equity. Based in Manchester and Edinburgh respectively we asked them to talk to us about what exactly the tech landscape and eco systems are like and why 2023 is predicted to be a good year for investing in early stage EIS qualifying companies in the north of the UK.The discussion offers a wealth of insider knowledge not just about the importance of regional and geographic diversification but David and Aidan outline in detail what advisers need to know about investing through regionally focussed EIS fund managers.
In the latest podcast, Sue and Brandon chat to Jessica Franks, Head of Investment Products at Octopus Investments – who certainly has a knack of demystifying these highly tax-efficient investments given her knowledge and experience in the sector.
So, whether you’d class yourself as an tax-efficient investment expert or not, this conversation has some really practical ideas that advisers can take away and use.
The rising popularity amongst advisers of multi-asset solutions to support their clients’ investment objectives is hard to ignore. But with so many options to choose from and with so many different underlying characteristics, due diligence can be tricky.
On this week’s IFA Talk podcast, Sue and Brandon welcomed Jordan Sriharan as their guest. Jordan is a fund manager on the multi asset team at Canada Life Asset Management and is ideally placed to shed some light on the situation.
As part of our celebrations for International Women’s Day (IWD), this hugely powerful edition our IFA Talk podcast focuses on why, if you can’t see it you can’t be it, when it comes to working in financial services. And it’s well worth a listen regardless of which gender you identify with.
In this week’s IFA Talk podcast, we’re talking tax planning – especially capital gains tax.
Sue and Brandon welcomed the ideal guest to talk to about this subject – it’s Rachael Griffin, Quilter’s Head of Tax and Trusts. Rachel is not only a tax expert but one with a sound grasp of the financial planning process too – something which comes through loud and clear during this conversation.
Our podcast guest this week is well placed to shed some light on what’s going on in 2023. Tune in to hear Sue and Brandon chatting to Andrew Hardy, Director of Investment at Momentum Global Investment Management.
Talking to Sue on the podcast is Robert Caplan. Rob is Financial Planning director at the Chartered Financial Planning firm, First Wealth, but today he’s talking to Sue in his capacity as the co-founder of Thrive Money.
We always enjoy our conversations with IFA Talk podcast guests. However, someone we’ve been keen to get on the pod for ages is this week’s guest, Steven Cameron. Steven is Aegon’s pensions director and not only does he know a thing or two about pensions, but he’s always got his finger on the pulse of regulatory changes too.
Tune in to hear Sue and Bex’ conversation with Ninety One’s Graeme Baker. Graeme is a portfolio manager in sustainable equities within Ninety One’s Multi-Asset team. He’s also the co-portfolio manager for Ninety One’s Global Environment strategy.
n this week’s IFA Talk podcast, we’re talking investment. In particular, we’re looking at the relative performance of active and passive funds throughout 2022 - and we’ve certainly got a few surprises in store for you. However, we’ve got the right person to talk to about this age-old debate. And it’s Laith Khalaf, AJ Bell’s Head of Investment Analysis. Laith is the man behind some detailed research which AJ Bell carried out late last year so we thought we’d like to talk to him to find out more.
Identifying that the ethnicity pay gap exists in financial services is one thing - but doing something about it is a wholly different matter. Today, as we kick off our 2023 IFA Talk podcast schedule, we’re delighted to welcome two guests who are certainly walking the walk as well as talking the talk when it comes to closing the ethnicity pay gap.
Tune in to hear Sue and Bex’ powerful conversation with Kohinoor Choudhury, Senior Campaigns Officer of diversity, equity and inclusion at ShareAction, and Lutfur Ali, Senior Policy Advisor Equality, Diversity, Inclusion and Transformation at the Chartered Institute for Personnel and Development (CIPD).
In this week's episode of IFA Talk – the show where we talk to people who matter about subjects that matter in the world of financial services and financial advice – IFA Magazine's Editor Sue Whitbread and IFA Talk's technical editor Brandon Russell are joined by Paul Fidell, Senior Business Development Manager at Prudential.
In the latest episode of IFA Talk, Sue and Bex are joined by Andrzej Pioch, Fund Manager in the Multi-Asset Funds team at Legal and General Investment Management (LGIM).
In the latest episode of IFA Talk, Sue and Bex had the pleasure of talking to industry veteran, and Redington’s Managing Director of Wealth, Nick Blake!
With 10 years at Vanguard and over 20 years at Standard Life under his belt, Nick reflects on his extensive experience in the industry - and shares his invaluable knowledge with IFA Talk listeners. In addition, Nick also tells Sue and Bex all about his current position at Redington, where he leads growth by supporting UK wealth and investment managers.
A change of host on this week's IFA Talk episode saw IFA Magazine's Jacqueline Wilson and Brandon Russell talk to Green Angel Syndicate's, Nick Lyth.
Green Angel Syndicate is the UK's largest network of specialist investors fighting climate change and Nick Lyth, President of the firm, discusses the company's origins, why it was founded, and its objectives.
On this week’s IFA Talk podcast, we were delighted to welcome the new PFS President, Caroline Stuart, as our guest.
Caroline has become the first paraplanner to be elected as President of the Personal Finance Society, back at their AGM in September.
In this week's episode of IFA Talk - the show where we talk to people who matter about things that matter in the world of financial services - Sue and Bex chat with Lawrence Bearman of Ablestoke Wealth Management.
In this interesting and engaging episode, Lawrence tells Sue and Bex all about his career in the financial planning profession so far, and how he came Chartered by the age of just 24!
On this week’s IFA Talk podcast, we’re talking investment – but specifically looking at ‘quality’ investing. What actually is it? How is it different to growth? What makes a quality company? How do they perform in different market environments? Why does quality investment make sense in today’s volatile markets? This week’s podcast guest who is talking to Sue and Bex is Abrie Pretorius, portfolio manager of Ninety One’s global quality equity income fund, who is particularly well placed to talk on the subject of quality investing.
In this week’s edition of IFA Talk, Sue and Bex have been talking to Shannon, Phil and David to find out exactly what they’ve been doing – and why. It’s a very emotional and powerful conversation which we’re sure you’ll want to hear.
In it, the three planners talk not only about the trips they have made personally out to Poland and Moldova in support of refugees but about what really is happening on the ground over there. This is such a powerful story and one which we feel extremely privileged to be able to share with IFA Talk listeners.
The details of the new economic Growth Plan revealed by Chancellor Kwarteng last week have been dominating the national news headlines - as well as spooking the markets – ever since. But what do changes announced in the ‘mini-budget’/ ‘fiscal event’ - or whatever you wish to call it - actually mean for advisers and their clients?
This week’s podcast guest is Tom Selby, Head of Retirement at AJ Bell. Sue and Bex’ conversation with Tom is crammed full of detail and yet with real clarity.
Over the next five years M&G aims to invest up to £5 billion in privately-owned enterprises that are tackling environmental and social challenges across the globe. The initiative is called Catalyst and in this episode of IFA Talk, Adrian Gaspar, Investment Director at M&G’s Treasury and Investment office, and Alex Seddon, Head of Catalyst at M&G Investments, highlight how M&G is galvanising the growth of innovative companies working to create a more sustainable world.
In the latest episode of IFA Talk, Sue and Bex had the pleasure of speaking with Nicola Crosbie, Principal at Moran Wealth Management, about a subject that is very close to their hearts — women in finance. Nicola is a powerful female voice in the industry and was even awarded the prestigious title of SJP’s Chartered Financial Planner of the year for 2021.
In this week's episode of IFA Talk, Sue Whitebread and Brandon Russell look at a way to make the complex world of banking, finance, and data both simple and accessible. Discussing the issue of open data, our guest this week Samantha Seaton, CEO of Moneyhub, tells IFA Talk how her company are building technology that will allow businesses to be closer to their customers through the use of data.
This week, IFA Talk is looking at the murky world of cyber security as we welcome a cyber security specialist to the podcast. Talking to Editor Sue Whitbread, is Nicola Hartland, Senior Vice President at Falanx Cyber, about why she believes that it’s so important for financial companies to put cyber threats higher up the list of priorities when conducting due diligence.
With the Great Wealth Transfer coming our way in the not-so-distant future, Ruth Handcock, CEO of Octopus Investments says advice firms need to think about future-proofing their business by engaging with the next generation sooner rather than later!
Given the economic headwinds of inflation and the (considerable) threats to global growth which exist today, the old 60/40 asset allocation model can often be found lacking, especially when we look ahead to what the next 10 years might have in store.
The subject for this week’s podcast is rather topical. It’s whether retirement portfolio management needs a new approach to reflect this changing market environment.
This week's podcast episode is something a bit different for IFA Talk...but certainly not an episode to be missed! Sue and Bex talk to Sir John Royden, Head of Research at JM Finn, about his extraordinary feat of swimming Lake Geneva - and raising a whopping £408,000 for The Brain Tumour Charity!
Cutting through the jargon and getting to grips with the serious issues facing the global economy today – and all in just a 20 minute podcast– might seem like a tall order.
However, this week’s podcast conversation with Ben Gutteridge, Director of Model Portfolio Services at Invesco, manages to tick that box rather competently. And it’s not all gloom and doom either!
In this week's episode of IFA Talk – the show where we talk to people who matter about subjects that matter in the world of financial services and financial advice – Yan Swiderski, Co-founder of the Global Returns Project, talks to our host Bex about why symbiotic wealth management is so important - and how it works in practice.
In this in-depth episode led by IFA Magazine editor Sue Whitbread, M&G Wealth's Vince Smith-Hughes discusses the benefits and possibilities that intergenerational financial planning can give clients.
In this episode of IFA Magazine’s podcast, IFA Talk - the show where we talk to people who matter about subjects that matter in the world of financial services and financial advice - Sue and Bex are joined by Gavin Francis, Founder and director of Worthstone.
In this episode of IFA Magazine’s weekly podcast, IFA Talk - the show where we talk to people who matter about subjects that matter in the world of financial services and financial advice - Sue and Bex are joined by James Penny, Chief Investment Officer at TAM Asset Management.
In this extra special and exciting episode of IFA Magazine’s weekly podcast, IFA Talk - the show where we talk to people who matter about subjects that matter in the world of financial services and financial advice - Sue and Bex are joined by their very first guest!
It was teased yesterday that IFA Magazine has been working on something very exciting behind the scenes, and that today would be the day we finally get to share our exciting new project with our amazing readers...
And so, without further ado, IFA Magazine is absolutely delighted to announce the launch of our shiny new podcast, IFA Talk - where we talk to people who matter about things that matter in the world of financial services.
In today's very first episode, the IFA Magazine editorial team will be answering the questions as opposed to asking them for once - as IFA Talk Video Editor Brandon Russell puts Sue Whitbread, IFA Magazine Editor, and Rebecca Tomes, Junior Editor, in the hotseat. Sue and Bex talk all about their big plans for the new podcast and why they're so excited about it - so it's definitely well worth a listen!
In this fascinating episode of IFA Magazine's weekly podcast, Dan Crossley, Executive Director of the Food Ethics Council, talks to Sue Whitbread, Editor of IFA Magazine, and Rebecca Tomes, Junior Editor, about why food matters.
In the latest episode of IFA Magazine's weekly podcast, Charlotte O'Leary, CEO of Pensions for Purpose, talks to our Editor, Sue Whitbread, all about the interesting world of ESG and pensions - which she says, typically fills people with feelings of "excitement, fear, and dread"!
ESG is a subject that is very close to our heart at IFA Magazine - and appears to be here to stay in Financial Services, as more and more businesses are jumping on the sustainable bandwagon. However, as ESG rises in popularity, it is arguably becoming increasingly difficult to filter out companies that are, in fact, not living up to their green claims.
In this episode of the Financial Insight podcast, Matt Vamplew, Co-founder and CEO of Paranimo, tells IFA Magazine’s Rebecca Tomes all about his company’s mission to ensure that all employees can access appropriate mental health support.
In this powerful conversation, Matt discusses how the pandemic and remote working has impacted organisations’ ability to manage employee mental health – and how businesses can best support employees’ mental wellbeing going forwards.
We absolutely loved talking to Matt about this extremely important topic – and hope you enjoy the episode too!
Mental Health is a subject very close to the heart of Michelle Hoskin – as you’ll hear first hand when you listen to this powerful conversation. In it, IFA Magazine’s Sue Whitbread and Rebecca Tomes talk to Michelle about why she believes that self care and awareness of mental health issues are such critical tools for advisers in the fight for mental health – and why it matters so much. We really loved this conversation with Michelle and we hope you do too.
In this episode of Financial Insight Thembeka Stemela Dagbo, Lead Fund Manager of M&G's Diversity and Inclusion Fund, talks about diversity and inclusion in an inflationary environment.
In this episode of Financial Insight we spoke to Alex Araujo from M&G about the role infrastructure plays in the green transition and how M&G's Global Listed Infrastructure Fund is faring in the current energy climate.
In this episode we spoke to Randeep Somel, the Fund Manager of M&G's Climate Solutions Fund, about the Green Energy transition, and the importance of green energy independence in the face of the geo-political crisis in Ukraine.
Parminder Basran, founder and CEO of VGC Partners, talks to us about Series A EIS funding and the gap in the market it is servicing.
Fred Soneya, Co-Founder and Partner of The Haatch Group, discusses Follow-On Funding and his unique, entrepreneurial perspective when it comes to investing.
Alistair Marsden, Director of NOVA Growth Capital discusses the groups approach to investing in Start-Ups through SEIS.
In this latest Podcast Maria Municchi, Fund Manager at M&G, discusses the influence COP26 has had on the investment industry, the just transition and the strongest opportunities in the sustainable investment world.
We spoke to Paul Rous, Managing Director of Regenerate Ventures, about the opportunities in AgriTech.
We Spoke to Paul Fidell, Senior Business Development Manager at Pru, about Pru's Smoothed Investment Fund and what benefits it provides to investors.
Harry Heartfield, Founder of Edition Capital, talks about Omicron and its impact on the experience economy.
We spoke to Lyn Tomlinson, Head of Impact & Philanthropy at Cazenove Capital, to discuss donor advised funds.
A donor advised fund account is a philanthropic fund established under a charity, that administers the fund to benefit specific causes on behalf of a donor.
These are very popular in the United States, but less so in the UK, so Lyn explains why.
We also discuss the growing client demand for impact investing in a balanced portfolio, in the shadow of COP26 and ESG regulation.
Ian Lowes, the founder of Structured Products Review, speaks about why the pre-packaged investment strategy is so misunderstood, and how so many advisers and clients often miss-out on great returns.
In this episode we discuss the collapse of Lehman Brothers, Investec leaving the market, and the technical detail explaining the opportunity within the FTSE Order Call.
In this Episode we spoke to Steve Butler, he is CEO of Punter Southall Aspire, and author of Inclusive Culture: Leading change across organisations and industries.
Steve practices what he preaches and explains to us how SME's can help move the dial on diversity and inclusion in the finance industry.
In our final daily briefing we spoke to Catriona McInally Investment Business Development Manager at Pru, to get her thoughts on the whole event on its closing day.
We spoke about the role of advisers and investors in helping to make the green transition.
Today was Cities, Regions and Built Environment Day in Glasgow, with presentations on building materials, urban development and sponge cities. We spoke to Angus Parker who is the Global Equity Portfolio Manager at HSBC Asset Management, to get his insight on the days developments.
Following the announcement of an unexpected US-China declaration that vowed to boost climate co-operation, Alok Sharma still admitted today, “we are not there yet on the most critical issues.”
However Angus, like our previous guest Randeep, remains optimistic about the outcomes of COP26.
Today we spoke to Randeep Somel who is the Portfolio Manager for M&G's Climate Solutions Fund. It is transport day at COP26, and with many major announcements in this area of 'hard to abate emissions.' Randeep gives us a rundown on the pledges on transport and what John Kerry has been saying about coal and carbon taxes.
Randeep's work on M&G's Climate Solutions Fund gives him a real insight into how certain innovations are making a big impact and why there are many reasons to see Cop26, and the global battle against climate change, positively.
Today Climate Action Tracker launched staunch criticism of the COP26 summit, saying there was a credibility gap. This led to outcries from across the board, notably Ed Milliband accused the government of 'greenwashing Glasgow'.
We spoke to Jeremy Lawson about this. Jeremy is the Chief Economist and Head of the abrdn Research Institute, where he is primarily responsible for abrdn's climate scenario analysis.
Jeremy also shares his analysis of what innovation in climate change really means, and criticises some of the pledges that we have spoken about on the podcast previously.
Today is Adaptation, Loss, and Damage day at COP26, and we have the esteemed Sarah Bratton-Hughes to tell us what this really means and how climate adaptation will impact the world of finance.
Sarah is Global Head of Sustainability Solutions at Schroders, where she works with Schroders' clients globally to assess and implement their sustainability needs and ambitions.
Today we spoke to Dan Somers about renewable energy and the role of Impact Investing has in solving the challenges of global warming.
At Cop 26 today at least 23 countries made new commitments to phase out coal power, including five of the world’s top 20 coal power-using countries.
Boundary Capital is an EIS Impact Investment fund with a mission of bettering 100 million lives, and invests heavily in renewable energy themes.
Today Mark Carney made the momentous announcement that the Glasgow Financial Alliance for Net Zero (GFANZ) will commit to the accelerating the decarbonization of the global economy.
Louisiana Salge, Senior sustainability specialist at EQ investors, helps us unpack what exactly the commitment from the group, representing over $130trn of capital, means for the financial industry.
Louisiana doesn't shy away from scrutiny of the group either, asking tough questions around double accounting and greenwashing.
We also touched on the announced the formation of the International Sustainability Standards Board, and how this may look in practice.
In our second day round up we talk to Jonathon Spanos, who heads up Venture Investment for Vala Capital.
Jonathon touches on much of the big news of the day, namely the pledges to the reduction of Methane and ending deforestation.
Digging into Jonathon's expertise our conversation led into the role of tech transparency in achieving the aim of deforestation and climate neutral supply chains.
Moreover we discussed the important role of innovative tech focussed companies in achieving many of the lofty pledges made by world leaders.
In the first of Financial Insight's Daily Cop briefings Vince Smith-Hughes, Director Specialist for Business Support at Pru UK, gives us the run down on what to expect from the next two weeks, and what the early signals are for the adviser industry.
In this absorbing episode of Financial Insight, Andrew Smith an esteemed Blue Economy advocate details why the Blue Economy is so appealing to investors, and what exactly it is.
Andrew is the founder and CEO of Deja Blue Consulting, and has worked tirelessly with the United Nations and FANBEST to promote the Blue Economy and its potential for both impact and returns.
In this fascinating discussion Henry Boucher, Partner of Sarasin, discusses Greenwashing in the ESG investment industry.
Following the Paris Climate Agreement, private investment has been placed front and centre to help solve the climate crisis - but are investors doing everything they might be to help?
Henry started his career in fund management in 1983. He is Chairman of the Sarasin & Partners Investment Strategy Group, Deputy Chief Investment Officer and Fund Strategist for the specialist thematic Food and Agriculture Opportunities strategy.
Sir Steve Webb was Pensions Minister from 2010 - 2015 and currently sits as a partner with Lane Clark & Peacock LLP (LCP).
In this insightful episode Steve talks about the recent news of state pension under payments to women, pension freedoms (something Steve helped to introduce as Pensions Minister), and the recent report on DB Pension advice carried out by LCP.
In our inaugural weekly podcast Pete Wilson talks to Russell Andrews, Global Head of Advice Solutions, Asset Management Distribution at SEI about the evolving role a fiduciary for a generation where investment advice is much more likely to come from Tik Tok than a certified adviser.
In this inaugural episode of the Wealth DFM podcast Howie Li and Lee discuss everything Fixed Income.