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

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.

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

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.

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.

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.

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.

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.

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.

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.

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 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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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!

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.

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.

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.

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.

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.

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.

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.

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. 

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.

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.

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

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!

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.

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.

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.

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.

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!

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.

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.

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.

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!

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.

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. 

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. 

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.

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. 

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. 

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. 

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. 

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!

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! 

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! 

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!

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!

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.

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

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.

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.

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!

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.

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

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.

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!

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.

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.  

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.

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…

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.

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.

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.

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.

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.

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!

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.

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.

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!

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 TEI 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 TEI/IFA’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.

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.

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.