Explorez tous les épisodes du podcast BWD: In The Know

In episode 59 of BWD In The Know, James Walker welcomes financial planner Anthony Flynn back for a second conversation, one that moves beyond the technical side of financial advice and into something far more personal.

After exploring identity in their first discussion, James and Ant turn to beliefs: where they come from, how they change and how much of what we think is truly our own. From childhood and education to media, social influence and the fear of being judged, they question the stories we tell ourselves and the forces that shape them.

This is not a conversation about having all the answers. It is about being willing to question them.

In this episode, James and Anthony discuss:

• Why Anthony sees beliefs as stories shaped by identity
• How early experiences and schooling can influence the way we think
• Ego, evidence and the difficulty of changing your mind
• Social pressure, media narratives and the ethics of influence
• Why fear of judgement can limit the freedom to be yourself
• The gap between appearing successful and feeling free
• How leaders can admit uncertainty without losing credibility
• The value of awareness, stillness and asking better questions
• How financial planners can read discomfort and understanding in client meetings
• Anthony’s five Cs for interpreting body language in context

James and Ant do not always arrive at neat conclusions. Instead, they explore the contradictions we all live with — wanting freedom but fearing its consequences, seeking truth while also wanting acceptance, and learning to be a little more aware of the influences around us.

Whether you work in financial planning, lead a team or simply want to better understand your own thinking, this episode offers plenty to reflect on.

00:00 Welcome Back and Exploring Beliefs

03:02 Identity, Labels and First Impressions

06:43 What Is a Belief?

08:33 Schooling, Conditioning and Conformity

12:13 Does Education Suppress Free Thinking?

14:18 Are You Really Thinking for Yourself?

18:09 COVID, Compliance and Social Pressure

23:04 Media Narratives and Confirmation Bias

25:35 MKUltra and Psychological Operations

32:39 The Ethics of Manipulation

35:44 Chase Hughes and Reading Behaviour

40:23 Ancient Wisdom and Fear

42:01 Freedom and Speaking Your Mind

44:22 What Is Anthony Afraid Of?

47:42 The Fear of Being Truly Judged

49:21 Leadership and Feeling Like a Fraud

52:41 Authenticity Without Suffering

54:17 Finding Comfort in Not Knowing

55:27 Edward Bernays and Persuasion

59:25 Awareness as an Antidote to Influence

61:11 Social Media and Emotional Manipulation

64:11 News, Politics and Perception

68:08 Body Language in Client Meetings

70:25 Anthony’s Five Cs Framework

71:06 Breathing, Blinking and Nonverbal Signals

74:22 Spotting Discomfort in Practice

75:22 Closing Reflections

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In this episode of BWD In The Know, Ellie Corkill hosts the latest instalment of her mini-series, The Human Side of Wealth Management.

Ellie is joined by Aneka Beneby, Senior Portfolio Manager and CFA Charterholder, for a conversation about ambition, motherhood, self-belief and how our definition of success can change throughout our careers.

Aneka shares her journey from growing up in the Bahamas and discovering financial markets almost by chance, to building a career in investment management and making the move to London with a six-month-old baby. She reflects on some of the biggest decisions and challenges she has faced along the way, and the lessons she has learnt about taking risks, putting yourself forward and building a career that feels meaningful beyond titles and promotions.

In this episode, they discuss:

• Aneka’s journey from the Bahamas into investment management, from starting as an assistant to a CEO to becoming a portfolio manager
• Making the move to London with a young baby and why some of the biggest opportunities can come when the timing feels far from perfect
• Ambition, self-awareness and why women shouldn’t feel they have to shrink themselves in order to be liked
• Achieving a major promotion and still feeling flat, and how this forced Aneka to rethink what success actually meant to her
• The danger of constantly chasing the next achievement, title or piece of external validation rather than learning to enjoy the journey
• Motherhood and career, why there is no perfect time to have children and the different trade-offs that come with starting a family at different stages of your career
• The practical things that helped Aneka navigate motherhood alongside a senior career, from support networks and finances to protecting her time and energy
• Why women no longer necessarily have to choose between having a successful career and having a family, even if balancing the two is not always easy
• Representation, mentorship and why Aneka feels a responsibility to be the role model for others that she was fortunate enough to see growing up
• Taking opportunities before you feel ready, from moving countries to appearing on Bloomberg and delivering a TEDx talk, and how doing hard things can build confidence over time

This is an open and honest conversation about ambition, family, career progression and learning to define success on your own terms.

Whether you work in wealth or investment management, are navigating your own career progression, thinking about how family fits alongside ambition, or simply find yourself constantly asking “what’s next?”, this episode is well worth a listen.

00:00 Introduction

00:29 From the Bahamas to finance

02:46 Moving to London

05:04 Confidence and doing hard things

07:25 Ambition and being “too ambitious”

10:00 Representation in a male-dominated industry

12:14 The flat feeling after promotion

15:00 Redefining success

19:02 Motherhood and career trade-offs

21:21 Building a support system

27:10 Returning to work after maternity leave

31:04 Why representation matters

33:55 Bloomberg and the full-circle moment

38:58 TEDx and acting in spite of fear

43:05 Self-talk and managing the inner critic

47:38 Advice to younger Aneka

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

In episode 57 of BWD In The Know, James Walker is joined by multi-award-winning financial planner Hazel Bowen FPFS TEP for the latest conversation in the Future Fit Financial Planning series.

Hazel's route into the profession was anything but straightforward. Growing up in a working-class household in Norwich, moving from state school to private education on a bursary and later building a successful career in financial planning have all shaped how she thinks about opportunity, leadership and belonging.

Diagnosed as autistic and with ADHD as an adult, Hazel speaks openly about the relief that came with understanding herself differently, the value - and limitations - of labels, and why being neurodivergent cannot simply be treated as something an individual should learn to "fix".

In this episode, James and Hazel discuss:

• Hazel's upbringing and the impact class and belonging had on her early life
• Why learning to back yourself can matter more than looking like the "finished article"
• Her unconventional route from leaving A-levels to becoming a financial planner
• Servant leadership and why creating a genuine sense of belonging matters
• Hazel's experience of receiving an autism and ADHD diagnosis as an adult
• Why labels can provide understanding without needing to define someone
• The importance of curiosity over assumption when leading different people
• Why reasonable adjustments can benefit both the individual and the business
• Masking, direct communication and becoming more comfortable with who you are
• Why "clarity is kindness" when giving feedback
• The difference between cultural fit and cultural enrichment
• Why diversity of thought makes teams and businesses stronger
• How experience can become a leadership blind spot when curiosity disappears

This is an open and deeply personal conversation about neurodiversity, leadership and what it really takes to create workplaces where different people can thrive.

Above all, it is a reminder that good leadership does not require having all the answers. Sometimes it starts with being curious enough to recognise that the person opposite you may experience the world very differently.

Chapters

00:00 Introduction and Future Fit Leadership

01:01 Childhood, Class and Belonging

05:25 Self-Belief and Backing Yourself

07:57 Representation and Speaking Openly

10:43 Finding a Career in Financial Planning

13:38 Servant Leadership and Creating Belonging

15:53 Hazel's Autism and ADHD Diagnosis

21:20 Relief, Labels and Understanding Yourself

27:07 Identity and Communication Differences

35:33 Curiosity and Proper Conversations

38:41 Reasonable Adjustments and Better Performance

44:35 Preparing for Better Conversations

48:32 Masking and Becoming More Yourself

56:12 Why Clarity Is Kindness

62:31 Directness, Honesty and Respect

67:07 Diversity of Thought and Cultural Enrichment

71:43 Curiosity, Experience and Future Leaders

75:25 One Wish: Joy and Belonging

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In this episode of BWD In The Know, Ellie Corkill hosts the latest instalment of her mini-series, The Human Side of Wealth Management.

Ellie is joined by Sarah Roughsedge, Chartered Financial Planner, author and founder of Eva Wealth, for a conversation about women and wealth, financial confidence and why the traditional advice model hasn’t always worked for everyone.

Sarah shares her unconventional journey into financial services, having originally trained as a neuroscientist before changing direction and becoming a financial planner. She reflects on the experiences that led her to recognise how often women were being left out of financial conversations, and why she decided to build an approach designed to make money and investing feel more accessible.

In this episode, they discuss:

• Sarah’s unconventional career journey from neuroscience into financial planning, and how her original training still influences the way she works with clients today
• Why women have historically been left out of core financial conversations and how this can affect confidence around money and investing
• How financial services has traditionally communicated differently with men and women, and why language and approach matter
• Moving beyond products and performance to understand a client’s values, behaviours, priorities and wider life
• Why clients going through divorce, bereavement and other major life changes may need more time and space before making financial decisions
• Challenging the idea that women are naturally more cautious investors, and why confidence and understanding can be more important than capability
• The role of financial coaching alongside traditional advice and how understanding behaviour can help clients make better decisions
• Making financial guidance more accessible to people who may not fit the traditional wealth management model
• The growing role of AI and technology in financial advice, what it could replace and where trust and human relationships will continue to matter
• Sarah’s wider mission to improve women’s financial confidence through her book, Smart Money, Strong Women, and her upcoming app, MyWealthVault

This is an open and thought-provoking conversation about women and wealth, the psychology behind financial decision-making and how the advice profession can continue to evolve to better serve the individual sitting in front of you.

Whether you work in wealth management or financial planning, are interested in the future of advice, or simply want to better understand the relationship between money, confidence and behaviour, this episode is well worth a listen.

Chapters

00:00 Introduction to Sarah and Evo Wealth

04:01 Creating a Women-Centric Financial Proposition

07:16 Building a Differentiated Financial Service

11:02 Women in Finance and the Boys Club Mentality

16:50 The Evolution of Financial Advice Delivery

21:34 The Importance of Giving Women Space to Decide

25:09 Building a Community for Women in Finance

26:15 The Need for Ongoing Support for Women Clients

27:16 Traditional Advice vs. Personalized Approach

28:29 Sarah's Book: Smart Money Strong

30:26 Content of the Book and Its Benefits

33:28 The Journey of Publishing the Book

35:06 The New Financial App as a Personal Coach

39:11 Launching the App and Community Feedback

40:17 The Role of Coaching in Financial Advice

41:45 The Future of Advice, Technology, and Trust

43:30 The Human Element in Financial Advice

45:31 The Impact of AI and Technology

46:51 The Next Steps for Evo Wealth

50:30 Advice for Advisors on Tailoring for Women

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

In this episode of BWD In the Know, Ellie Corkill hosts the latest instalment of her mini-series, The Human Side of Wealth Management.

Ellie is joined by Louisa Braywood, Investment Manager, for a conversation about financial confidence, authentic relationship-building and making investing feel more accessible to women.

Louisa shares her unconventional journey into wealth management, beginning her career at just 18 and learning the industry from the ground up. She reflects on developing her technical knowledge, becoming Chartered and discovering that the client-facing, human side of investment management was where her real passion lay.

In this episode, they discuss:

• Louisa’s unconventional route into wealth management, starting her career at 18 and building confidence through experience and professional qualifications
• Why money is never just money, but represents family, freedom, security and the future
• The importance of empathy, emotional intelligence and understanding behavioural biases when supporting clients
• How AI and technology can make investing more accessible without replacing the value of human relationships
• Why the investment gap is not a capability issue, but often a confidence and exposure issue
• Involving both partners in financial conversations and supporting clients through divorce, bereavement and other significant life events
• Removing unnecessary jargon and making conversations about money and investing easier to understand
• Building visibility through LinkedIn, personal brand and putting yourself outside your comfort zone
• Approaching networking authentically and creating more engaging, inclusive professional events
• Louisa’s ambition to become the person women recommend when they need support with their finances

This is an open and engaging conversation about women and wealth, building genuine relationships and why the most effective investment management goes far beyond portfolios and performance.

Whether you work in wealth management, are developing your career in the profession, or want to understand how investing can become more accessible, relatable and human, this episode is well worth a listen.

Chapters

00:00 Introduction to Louisa and episode overview

02:54 Early career, qualifications, and client-facing roles

07:05 The importance of technical knowledge and relationship skills

10:49 Impact of AI and robo-advice on personalised service

15:12 Encouraging women to invest and increasing financial confidence

16:59 Changing industry perceptions and making finance accessible

18:57 Supporting women through life transitions and emotional moments

21:00 The importance of understanding clients’ emotional backgrounds

23:03 Addressing confidence gaps and social influences on women’s investing

24:49 The significance of early pension and savings education

26:46 Learning from industry mentors and shadowing experiences

28:54 Building relationships through in-person and virtual meetings

31:02 Networking strategies and leveraging social media

33:07 Hosting inclusive events and fostering community

35:04 Differentiating oneself in a competitive industry

36:55 Advice for less confident networkers and introverts

39:11 Industry changes needed to attract more women

40:51 Encouraging young women to pursue careers in finance

43:02 Louisa’s vision of success and personal branding

44:57 Final advice to her younger self and closing remarks

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

In this episode of Future Fit Financial Planning, James Walker is joined by Sarah Soar, Founder of Estelle: Health is Wealth and former CEO of Hawksmoor Investment Management, to explore why the future of leadership isn't just about managing wealth, but managing health.

Drawing on four decades in financial services and executive leadership, Sarah shares how her experiences of leading through significant organisational change ultimately inspired the launch of Estelle: Health is Wealth; a business built on a simple but powerful belief: the health of your leadership team is your greatest business asset, and one of your biggest business risks.

Together, they discuss:

• Sarah's journey from CEO to entrepreneur
• Why health management belongs in the boardroom
• The hidden cost of stress, burnout and poor decision-making
• Building healthier, higher-performing leadership teams
• Why prevention delivers better business outcomes than intervention
• The role of breathwork, movement and nervous system regulation
• Why the future of leadership starts with healthier people

Whether you're leading a financial planning business, advising clients or simply looking to perform at your best, this episode offers a fresh perspective on sustainable leadership and long-term success.

CHAPTERS

00:00 Introduction

01:16 Sarah Soar's 40-year career in wealth management

03:54 Leading through COVID and a major acquisition

04:18 From aspiring doctor to accidental stockbroker

07:00 Discovering yoga and managing pressure

12:47 What yoga really is (and isn't)

16:25 Why daily practice changed everything

18:20 Leaving corporate life and training as a yoga teacher

22:10 Why leaders switch off when they hear the word "yoga"

27:10 Introducing the idea of "Health Management"

31:00 Fight or flight vs rest and digest

35:20 Burnout, business risk and prevention

40:40 Looking after your body like your most valuable asset

43:00 Why corporate culture normalises unhealthy behaviour

47:20 The business case for investing in people

53:00 Faster business, greater pressure and modern leadership

55:10 Why many wellbeing programmes only scratch the surface

59:10 The financial cost of burnout

01:01:20 Making alternative approaches mainstream

01:04:15 Better decisions through calmer leadership

01:07:45 From Wealth Management to Health Management

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Some careers follow a carefully mapped-out route. Others take an unexpected turn.

In this episode of Future Fit Financial Planning, James Walker is joined by James Connor, Founder & CEO of Connor Broadley, to explore the journey from professional footballer to business owner, and the principles that have shaped nearly two decades of independent financial planning.

From earning just £250 in their first month of trading to building one of the City's most respected wealth management firms, James reflects on the importance of client relationships, long-term thinking and staying true to your values, even as the profession continues to evolve.

Together, they discuss:

• James' journey from Millwall Football Club to financial planning
• Why client relationships should always come before commercial growth
• Building Connor Broadley with patience, purpose and clear principles
• Industry consolidation and what independent firms should protect
• Succession planning and preparing businesses for the future
• Technology, infrastructure and attracting the next generation of clients
• What leadership, resilience and partnership really look like over the long term

Whether you're a financial planner, adviser, business owner or simply interested in building a business with lasting values, this episode offers an honest conversation about growth, integrity and creating something that stands the test of time.

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

Marie Smith: Confidence, Community and Creating Meaningful Change

In this episode of BWD In the Know, Ellie Corkill hosts the latest instalment of her mini-series, The Human Side of Wealth Management.

Ellie is joined by Marie Smith, Relationship Associate Partner at Cooper Parry Wealth, for a conversation about confidence, community, inclusive leadership and creating meaningful change within the financial planning profession.

Marie shares her journey from starting in an administrative role to progressing through paraplanning, advice and leadership. She reflects honestly on experiencing imposter syndrome, the importance of mentorship and advocacy, and how learning to recognise her own strengths helped shape her career.

In this episode, they discuss:

·      Marie’s journey from administration and paraplanning into financial advice and leadership

·      Overcoming imposter syndrome and building confidence throughout your career

·      Why you do not need to feel 100% ready before taking your next step

·      The difference between mentoring talented people and actively advocating for them

·      How leaders can recognise those who may not naturally shout the loudest

·      Why firms need to develop diverse talent rather than simply recruit it from elsewhere

·      What the Women in Finance Charter means and how firms can turn commitments into meaningful action

·      Building professional communities and the story behind SheRocks Business

·      How strengths-based leadership can help people thrive and progress

·      Why empathy, active listening and storytelling will become even more valuable as AI develops

·      The human skills advisers need to continue demonstrating their value

·      Marie’s advice for people beginning their careers in financial planning

This is an open and thoughtful conversation about confidence, representation, leadership and the importance of creating environments in which people can succeed.

Whether you work in wealth management, are developing your career in financial advice, or are interested in how the profession can become more inclusive and human, this episode is well worth a listen.

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

In episode 51 of BWD In the Know, Ellie Corkill hosts the second episode of her mini-series, The Human Side of Wealth Management.

Ellie is joined by Emmelia Powell, Financial Adviser, for a conversation on building trust, finding your voice and creating a more personal, human version of financial advice.

Emmelia shares her journey into the profession, from starting out in banking to entering financial advice after having three children, completing her exams and building a career that works around both her family and her clients.

In this episode, they discuss:

• Emmelia’s journey into financial advice and how she found a career that fits
• Why financial advice can be such a powerful profession for women and working mums
• Building trust with clients and why good advice starts with doing the right thing
• Supporting sports professionals, business owners and younger clients
• Why no two financial plans should ever look the same
• The role of empathy, patience and lived experience in client relationships
• Building a personal brand and the value of being visible online
• How AI and technology are changing the advice profession
• What the next generation of advisers need to succeed
• Why the future of advice needs to be more human, relatable and personal

This is a thoughtful and honest conversation about trust, visibility, motherhood, client relationships and the realities of building a career in financial advice.

Whether you work in wealth management, are building a career in advice, or are interested in how the profession can continue to evolve, this episode is well worth a listen.

00:00 Introduction to Emmelia Powell and the episode’s focus on the human side of wealth management

02:45 Emmelia’s background and why she transitioned into financial advice

03:10 Balancing career growth and family life in wealth management

04:46 Internal narratives and challenges faced by women entering the industry

05:34 Experiences shaping Emmelia into her current advising style

06:55 Embracing continuous exploration and innovation in financial advice

07:22 Challenging industry stereotypes and traditional client approaches

09:10 How Emmelia’s client-centric philosophy influences her niche focus on sports professionals

10:04 Benefits of niche specialisation and understanding client nuances

12:31 Differentiating client approaches based on individual needs and circumstances

15:22 Insights into working with athletes, timing of advice, and financial planning nuances

17:36 The importance of early financial education and behaviour in wealth management

19:56 Personalisation, emotional anchors and why money management is human at its core

23:02 Building trust and openness: creating a safe environment for clients

24:04 Balancing empathy with challenging clients effectively

26:38 Influences and role models underpinning Emmelia’s professional development

28:44 Building personal brand online, authenticity and sharing your story

33:29 The role of AI in advice: tools, limitations and enhancing client service

36:26 Tips on using AI thoughtfully while maintaining a personal voice

38:23 The future of AI in wealth management and the human touch’s enduring importance

43:11 Soft skills essential for new advisers in a tech-driven landscape

45:00 Making wealth management appealing to the next generation and industry diversity

52:55 The benefits and challenges of niching: advice for aspiring specialists

56:43 Encouragement for early-career advisers to find their voice and gain visibility

59:58 Key takeaway: the importance of personalised, human-centric financial advice

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In this special 50th episode of BWD In The Know, James is joined by Ann-Marie Atkins, Head of Entrepreneurs at Evelyn Partners, for a conversation about what really sits behind long-term success in financial planning.

Known as one of the UK's leading advisers in the entrepreneur and business owner space, Ann-Marie reflects on the experiences, values and lessons that have shaped her career.

Ann-Marie's journey into financial services and the challenges she faced early in her career

• Confidence, emotional intelligence and communication in advice
• Why excellence matters more than perfection
• Building trust with clients and professional introducers
• Collaboration in delivering better outcomes
• Leadership, mentoring and high-performing teams
• AI, technology and the future of advice
• The growing importance of holistic financial planning

This episode is a reminder that the best advisers don't simply provide advice — they bring people, expertise and ideas together to help clients make better decisions.

If you're a financial planner, adviser or leader looking to build trust, improve your impact and future-proof your career, this episode is for you.

00:00 Introduction

00:28 Ann-Marie's Journey Into Financial Services

01:23 Building Confidence & Finding Your Voice

03:29 Fairness, Honesty & Authenticity

04:39 Learning Through Mistakes & Self-Reflection

05:42 Overcoming Fear & High-Stakes Situations

06:42 Understanding Your Core Values

08:36 Childhood Influences, Ambition & Competitiveness

09:16 Sport, Teamwork & Resilience

09:59 Being Taken Seriously in Financial Services

11:24 Mentors, Role Models & Career Development

13:19 Early Leadership Lessons

14:33 Managing Mistakes & High Standards

16:54 Why Collaboration Matters

17:42 Delivering Better Outcomes for Complex Clients

21:29 The Problem with Siloed Advice

24:28 The Risks of Disconnected Planning

27:11 Building Trust Over Time

28:44 Creating High-Performing Teams

30:28 A Client-First Culture

31:35 Excellence, Not Perfection

35:52 AI, Technology & The Future of Advice

44:17 The Future of Collaborative Advice

50:53 Authenticity as a Competitive Advantage

66:14 Closing Thoughts

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

In episode 49 of BWD In The Know, Ellie Corkill hosts the first episode of her new mini-series, The Human Side of Wealth Management.

Ellie is joined by Jay Dhaliwal APFS, Chartered Independent Financial Adviser at Chase de Vere, for a conversation on resilience, representation and the power of showing up.

Jay shares her journey into financial advice, from starting her career in financial services to becoming Chartered, building a visible personal brand and using her platform to support others entering the profession.

In this episode, they discuss:

• Jay’s journey into financial advice and the experiences that have shaped her career
• The reality of building a personal brand and putting yourself out there
• The importance of representation within the profession
• The role resilience has played throughout Jay’s career
• Why soft skills and building genuine relationships still matter
• The value of networking, giving back and supporting others entering the industry
• How wealth management can continue to become more human, relatable and accessible

This is an open and honest conversation about career journeys, confidence, community and the importance of continuing to show up - even when the path is not always linear.

Whether you already work in wealth management, are building a career in financial advice or are simply interested in the people helping to move the profession forward, this episode is well worth a listen.

Chapters

00:00 Introduction and Jay’s Career Background

01:03 Early Influences and Education Choices

03:18 First Steps into Financial Services

04:37 Transition from Admin to Adviser

05:57 Overcoming Rejection and Career Persistence

06:42 Achieving Chartership and Professional Credibility

07:53 The Power of Intentional Career Planning

09:39 Representation and Diversity in Wealth Management

10:29 Dealing with Being a Minority in the Sector

12:18 Building Resilience and Confidence

14:06 The Role of Personal Branding and Visibility

16:45 Authenticity and Human Connection in Content Creation

18:10 Balancing Professionalism and Personality

20:39 Opportunities from Being Visible

23:01 Encouraging Others to Be Visible and Authentic

27:08 The Importance of Representation and Role Models

29:31 Mentoring and Giving Back to the Community

32:08 Managing Work-Life Balance and Overcoming Self-Doubt

34:28 The Impact of Fitness and Lifestyle on Professional Success

37:15 Networking Through Shared Interests

39:24 The Future of Wealth Management and Adviser Skills

41:40 Excitement for Sector Innovation and Young Talent

45:10 Advice for Aspiring Advisers and Personal Growth

48:33 Changing Perceptions of Age and Diversity in the Sector

49:53 Supporting the Next Generation of Advisers

51:37 Enhancing Diversity and Inclusion in Wealth Management

54:11 Key Takeaways: Resilience, Community, Giving Back

55:20 Closing Remarks and Final Thoughts

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

In this episode, James is joined by Paul Miller to explore why most financial planning firms don’t have a true tech strategy, and why that’s becoming a serious risk.

After leading technology at IWP, one of the UK’s early consolidators, Paul has seen first-hand what happens when multiple firms attempt to operate as one, with different systems, inconsistent processes and fragmented data underneath it all.

At the centre of the problem is the assumption that the CRM is the source of truth; when in reality, it often isn’t.

In this episode, they discuss:

• Why most firms don’t have a true tech strategy
• The limitations of CRM as a “source of truth”
• The challenge of integrating multiple firms and systems
• A practical approach to improving data without stopping the business
• The hidden risks of “shadow AI”
• Why data quality is becoming critical in M&A valuations
• Why AI will amplify problems if the data isn’t right

This episode offers a practical and honest look at the infrastructure behind advice firms — and why getting the foundations right matters more than ever.

If you’re a financial planner, firm owner or leader thinking about data, systems or AI, this episode is for you.

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

Marketing isn’t the colouring in department.

In conversation with Emma Hardiman

In this episode, James is joined by Emma Hardiman to explore the role marketing should really play inside a financial planning business, and why it’s often misunderstood.

Too often, marketing is treated as a support function, brought in at the end to “make things look good” rather than influence how a firm grows. In this conversation, Emma shares why marketing should sit at the centre of client understanding, trust and strategic decision-making.

In this episode, they discuss:

• Why marketing is often treated as a “colouring in” function
• The gap between brand, strategy and real growth
• How trust is built before any client interaction
• Why clients buy belief, not just advice
• The role marketing should play in shaping a business
• Moving from reactive activity to strategic influence

This episode challenges how financial planning firms think about marketing, and what needs to change for it to truly drive growth.

If you’re a financial planner, business owner or marketer within an advice firm, this episode is for you.

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

The Adviser Who Walked Away 

In conversation with James McPartland 

In this episode, James is joined by James McPartland to explore the story behind building and ultimately walking away from a £400m financial planning business. 

Built from scratch under the St. James’s Place model, James and his partners grew a highly successful firm before making the decision to leave and start again. In this candid conversation, he shares what pushed them to that point, what they got wrong along the way, and what they would do differently if they had their time again. 

In this episode, they discuss: 

• Building an advice business from scratch in your twenties 
• Growing organically to £400m of client assets 
• The realities of operating within a large advice model 
• The frustrations that led to the decision to leave 
• What happens when you resign from your own business 
• The risks, pressure and personal impact of starting again 
• Lessons learned — and what they would do differently 
• Why client relationships matter more than brand names 

This episode offers a candid and practical look at one of the biggest decisions an adviser can make, and what it really takes to start again. 

If you’re a financial planner, adviser or business owner thinking about the future of your firm, this episode is for you. 

Chapters 

00:00 Introduction 

02:20 How James Fell Into Financial Planning 

07:00 Starting Out With Just a Phone 

12:00 Building an Advice Business in Your Twenties 

18:00 Joining St. James’s Place 

24:00 Growing the Business to £400m 

32:00 When Things Started to Feel Misaligned 

40:00 The Frustrations That Built Over Time 

48:00 Deciding to Leave the Business 

57:00 The Risks of Walking Away 

01:05:00 Stress, Family and the Reality of the Decision 

01:12:00 Planning the Exit Strategy 

01:20:00 Rebuilding the Business From Scratch 

01:28:00 Technology, Platforms and the New Proposition 

01:36:00 What Other Advisers Should Know 

01:44:00 Final Thoughts

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In conversation with John White & Mike Toole

No DeLorean. No flux capacitor. But in this episode, James is joined by John White and Mike Toole to explore a genuinely interesting question: what does the future of financial planning actually look like?

And, somewhat ironically, the answer might feel familiar.

Rather than consolidation cycles, efficiency drives or purely transactional relationships, the conversation looks toward a future that resembles the best parts of advice’s past — where judgement, empathy and trust sit at the centre of client relationships, supported (not replaced) by technology.

John and Mike share their thinking behind building a firm from scratch with quality and character at its core, alongside a view of how AI and automation are reshaping the technical side of planning while leaving the human side more important than ever.

In this episode, they discuss:

• What the “future” of financial advice may actually look like
• Why the human elements of advice are becoming more valuable, not less
• Building firms around character, culture and long-term quality
• AI’s role in reducing technical and administrative load
• Judgement, empathy and trust as competitive advantages
• Moving away from transactional throughput toward meaningful relationships

Ultimately, this episode offers a forward-looking yet grounded perspective on where the profession is heading — and why the future of advice may be less about reinvention and more about rediscovery.

If you’re a Financial Planner, Adviser or leader within an advice firm, this episode is for you.

Chapters:

00:00 Introduction & Episode Overview

04:00 Guest Introductions – John White & Mike Toole

11:30 The Current Financial Advice Landscape

20:15 Changing Expectations of Financial Planners

29:40 Communication, Trust & Client Relationships

39:10 Technology vs Human Connection

48:30 Skills That Matter Most in Modern Advice

58:00 Professional Development & Continuous Learning

01:07:20 Regulation, Value & Commercial Reality

01:16:45 Building Credibility & Differentiation

01:26:10 Future-Proofing Careers in Financial Planning

01:35:30 Advice Firm Culture & Leadership

01:44:15 Key Takeaways From the Discussion

01:51:30 Final Reflections & Closing Thoughts

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AI will not increase your business value. It will protect it.

In the second episode the Future Fit Financial Planning series, James is joined by Vicky Hicks, Co-Founder of Melo, for an honest conversation about business value, identity, leadership and the realities of today’s M&A market.

Vicky shares her journey of building and selling a firm, the personal identity shift that followed, and the lessons she learned about value creation, culture and operational discipline. She offers a rare, candid look at what is really happening in the M&A landscape; from price pressure to what buyers now expect from advice firms.

They explore how clearer propositions, consistent processes and strong operational foundations protect long-term value, and why technology has become essential infrastructure rather than a differentiator.

In this episode, they cover:

• How advisers are evolving into coaches, communicators and planners
• Why clear propositions and consistent processes protect business value
• Technology as core infrastructure, not a “nice to have”
• What buyers are really looking for in today’s M&A market
• Rising price pressure and shifting valuation expectations
• Lessons from both nightmare sale stories and record-valuation exits
• Identity, resilience and planning for your own future — not just your clients’

This episode gives owner-managers, advisers and firm leaders a grounded view of where the market is heading — and a reminder that value isn’t created at exit, but in the everyday.

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Is the role of the Financial Planner about to change?#

In the first episode of the Future Fit Financial Planning series, our host James Walker is joined by Tom Francis of Octopus Money to explore what the next stage of advice might really look like.

They discuss how technology and behavioural psychology are reshaping personal finance, why so many people struggle to act on good financial advice, and how scalable, tech-enabled models could help millions make better money decisions. With a clear mission to reach 5 million people and a willingness to share their thinking openly, this conversation offers a powerful glimpse into the future of the profession.

In this episode, we cover:

• The changing role of the financial planner
• Coaches vs traditional advisers
• Why traditional advice fails to reach most people
• Behavioural nudges and money habits
• Human relationships supported by structured tech
• Short-term lifestyle vs long-term goals
• The future of scalable, accessible advice

If you’re a financial adviser, advice firm leader, or anyone interested in the future of financial planning, this episode is for you.

Chapters:

00:00 Introduction & Tom’s Background

09:00 Making Financial Advice Accessible

18:30 Technology, Algorithms & Real Life

27:30 Behavioural Psychology & Inertia

35:45 The Limits of Traditional Financial Planning

43:45 Capturing People at the Right Moment

52:30 Money Culture & National Financial Habits

01:01:00 Shiny Objects vs Long-Term Freedom

01:10:15 What Can (and Can’t) Be Changed

01:18:45 Big Numbers, Misconceptions & Wrap-Up

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In this episode of BWD In The Know, guest host Harry McNeill is joined by Paul Hance, a seasoned actuary whose career reflects how leadership, learning, and relationships define success in today’s actuarial profession.

From technical beginnings to leadership roles, Paul shares how continuous learning, humility, and adaptability have shaped his journey. He offers practical insights on navigating setbacks, balancing technical expertise with business skills, and embracing technology and AI as tools for growth.

In Building Relationships, Not Just Models: Paul Hance on the Modern Actuary, they explore:

✅ The blend of technical and business skills actuaries need today

✅ How continuous learning drives professional growth

✅ The role of relationships and communication in leadership

✅ Overcoming setbacks and learning from experience

✅ Embracing technology and AI to stay relevant

An insightful listen for actuaries at every stage, from exams to executive leadership.

Chapters

00:00 Introduction to the Actuarial Profession

02:47 Navigating Early Career Challenges

05:47 The Importance of Continuous Learning

08:34 Transitioning to Leadership Roles

12:00 Building Relationships and Trust

14:42 Balancing Qualifications and Business Skills

17:56 Overcoming Setbacks and Learning from Mistakes

20:44 Current Challenges in the Actuarial Field

23:28 Embracing Technology and AI

26:32 Advice for Aspiring Actuaries

29:31 Working Your Way Out of a Job

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In this episode of BWD In The Know, guest host Harry McNeill is joined by Gerrit Marais, an actuary whose career spans continents, from South Africa to Canada.

Gerrit shares how curiosity, connection, and continuous learning have shaped his professional journey, and why building relationships can be just as important as mastering technical skills.

In Building Networks, Not Just Numbers: An Actuarial Journey with Gerrit Marais, we discuss:

✅ The power of networking & relationship-building

✅ Why mentorship matters more than ever

✅ Balancing work, study, and life

✅ Continuous learning & career adaptability

✅ Moving countries — and careers — with purpose

An inspiring listen for actuaries at every stage, from exams to executive roles.

Chapters

00:00 Introduction to the Actuarial Market

03:04 Gerrit's Journey into Actuarial Science

05:54 Navigating Early Career Challenges

08:49 The Importance of Networking and Mentorship

11:57 Transitioning to Canada and Career Growth

14:50 Practical Tips for Aspiring Actuaries

17:51 Balancing Work, Study, and Life

20:45 Debunking Myths about Actuarial Careers

23:40 Lifelong Learning and Career Advice

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Beyond Risk: Michelle Young on Reinsurance, Resilience & the Human Side of Actuarial Work

In this episode of BWD In The Know, guest host Harry McNeill is joined by Michelle Young for a conversation that goes beyond risk to uncover the human side of actuarial work.

Michelle reflects on her career in reinsurance and shares why actuaries are far more than just the numbers. From the societal impact of actuarial decisions to the importance of communication, mentorship, and volunteering, she highlights how resilience and curiosity can shape a fulfilling career.

Along the way, Michelle also explores the role of AI as a supportive tool, the value of embracing uncertainty, and why taking opportunities early can lead to unexpected growth.

A must-listen for actuaries at every stage, from exams to executive leadership.

Chapters

00:00 Introduction to the Actuarial Profession

01:37 Michelle's Journey into Reinsurance

03:12 The Passion for Being an Actuary

04:34 Understanding the Broader Impact of Actuarial Work

06:26 The Societal Impact of Actuarial Decisions

07:34 Volunteering and Its Influence on Professional Growth

09:21 Transitioning from Technical to Strategic Roles

12:47 Actuaries and Uncertainty in Decision Making

14:29 Explaining Actuarial Work to Outsiders

15:31 Actuaries and Climate Change

18:44 The Role of AI in the Actuarial Field

21:34 The Role of Communication in Actuarial Training

24:24 Embracing Growth Through Discomfort

26:28 Exploring the Reinsurance Market

28:26 Navigating Career Paths and Leadership Roles

33:38 Unique Career Journeys and Opportunities

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💡 “He who looks outside dreams, he who looks inside awakens.”

That line came up in my latest In The Know with Anthony Flynn, and it set the tone for one of the most open and vulnerable conversations I’ve had on the podcast.

Anthony spoke not just about career milestones, but about the deeper currents that shape who we are and how we lead.

The conversation explored:

• External validation: how much of what we do is driven by proving ourselves to others
• Resilience & choice: your background shapes you, but it doesn’t define you
• Composure pendulum: learning to return to centre when life swings between extremes
• Success vs meaning: the shift from chasing titles to searching for purpose

For financial planners and business owners, these themes will feel familiar: imposter syndrome, the pressure to perform, and the quiet question of what’s it all for. All of it is here in this conversation.

👉 If you’ve ever wondered what it feels like to take off the professional mask, this is one to listen to or watch via our YouTube Channel.

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From Actuary to Wall Street to Novelist: Mark W. Griffin on Risk, Reinvention & Storytelling

In this episode of BWD In The Know, guest host Harry McNeill is joined by Mark W Griffin for a fascinating conversation that blends actuarial insight with life beyond the spreadsheets.

Mark’s career has been anything but linear; from actuarial science to investment banking on Wall Street, and now to publishing his debut novel The Mortality Thief.

Along the way, he shares lessons in curiosity, mentorship, and leadership, while reflecting on what the 2008 financial crisis taught him about risk, resilience, and reinvention.

For actuaries, consultants, and anyone considering how to make bold career moves, this episode challenges the idea of “traditional” career paths and explores the growing opportunities in areas like AI and climate risk.

It’s a story of numbers, narrative, and the courage to carve your own way.

📖Mark’s book is now available to purchase. Order Your Copy OR Buy on Amazon

Inspired by true events, The Mortality Thief is a razor-sharp and authentic thriller that's ripped from the headlines.

Chapters

00:00 Introduction to Mark's Career Journey

02:46 Transitioning from Actuarial Science to Wall Street

05:47 Navigating the Investment Banking Culture

08:50 Curiosity and Learning in a New Environment

11:42 Leadership Lessons from CRO and CIO Roles

14:35 Reflections on the 2008 Financial Crisis

17:23 The Evolution of Risk Management

20:12 Career Advice for Aspiring Actuaries

23:10 The Importance of Curiosity and Networking

26:11 The Impact of Mentorship on Career Decisions

29:03 Exploring Writing as a New Venture

31:44 The Mortality Thief: Blending Actuarial Themes with Fiction

34:52 Parallels Between Risk Management and Writing

37:38 Defining Success in a New Chapter

40:46 Book Release and Closing Thoughts

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In this episode of BWD In The Know, Harry McNeill is joined by Kim Steiner, Head of North America's Life Practice at WTW, for a wide-ranging conversation on what it really means to build a career in life insurance.

Kim shares her journey from intern to industry leader, reflects on the rise of AI and its real impact on actuarial work, and gives sharp, honest advice for anyone starting in the profession.

From breaking down industry misconceptions to discussing the soft skills that matter most, this is essential listening for actuaries at any stage of their journey. 

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In this episode of BWD In The Know, Harry McNeill sits down with Jeffrey Gomes, an actuary-turned-coach based in Canada to explore what it really takes to lead in today's actuarial world.

From starting out during the 2008 financial crisis to embracing the rise of AI, Jeffrey shares hard-earned lessons on resilience, people-first leadership, and unlocking potential through coaching.

Whether you're navigating exams, managing a remote team, or chasing your next promotion, this episode is packed with insights to help you stay the course and grow your impact on your terms.

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From losing his leg in a life-altering accident to becoming a Guinness World Record-holding endurance swimmer, Jonty Warneken has redefined what’s possible; physically, mentally, and professionally.

In this episode, Jonty shares his remarkable journey:

• Growing up in Yorkshire and carving out a career in wealth management
• The accident that changed everything, and how he rebuilt his identity
• What it really takes to complete Ice Miles and solo swims in freezing water
• How he prepares for extreme pain, mentally and physically
• And why resilience, in all its forms, has become the thread that runs through his life

This isn’t just a story about endurance, it’s about mindset, recovery, and choosing to lean into challenge, even when it hurts.

It’s a powerful conversation that will stay with you. I hope you find it as inspiring as I did.

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No Socks (with Crocs) Please, I'm French!

Caroline swapped investment banking for financial planning, bringing a French lens to British money habits, career choices, and yes, fashion faux pas.

In this episode of In The Know, we cover:

• How redundancy and motherhood sparked a total career rethink
• Building a client base from scratch with two toddlers and no local network
• The cultural clash of money, mindset, and crocs
• Her advice to anyone thinking of a move into financial planning

If you're considering a career change, this one’s for you.

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“If you want the truth, you need trust.”

That line stayed with me.

In this week’s In The Know podcast, I spoke with Lena Sisco – former military interrogator turned leadership and communication expert – about trust, truth, and how to spot a lie.

She’s spent her career extracting the truth from people who had every reason not to share it. And it turns out the answer isn’t mind games or intimidation. It’s connection.

As AI removes the humdrum parts of our jobs, the human stuff – trust, empathy, communication – becomes even more important.

Lena’s view?

🧠 Be honest in your communication

🔁 Be consistent in your actions

🙋‍♂️ Be accountable for your mistakes

In an era of deepfakes and digital doubt, that advice feels pretty timeless.

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Less admin, more advice – AI without the hype. That’s the vision. But how do you actually get there?

In this episode, James speaks with Oren Henry, Co-Founder of AutoAdvise, about how financial advisers can use AI to reduce admin and improve client outcomes. They explore where firms are losing time, the risks of misusing ChatGPT-style tools, and what being truly ‘AI-ready’ looks like in practice.

What's Covered:

• Where advisers are losing the most time – and how to get it back
• Why process beats platform, every time
• What most miss about AI, data privacy and regulation
• What ‘AI-ready’ really looks like in advice firms

If you’re exploring AI but don’t want the fluff, this one’s for you.

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Once dubbed “The City’s Superwoman”, Nicola Horlick’s story isn’t just about finance. It’s about leadership in all its complexity.

From billion-pound turnarounds and public scandal to raising six children, navigating personal tragedy and building again - Nicola’s journey covers it all.

She shares her story openly, with the hope it inspires more women to lead in their own way.

We spoke about vision, loyalty, imposter syndrome, and what it really takes to lead through chaos in business and in life.

This one stayed with me. Hope it does the same for you.

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Is Financial Planning Dying?

That’s what I asked Tom Hegarty in the latest episode of In The Know - a follow-up to the post that sparked so much debate.

We covered:

📉 Adviser numbers – real growth, or just a pause before the cliff edge?

🔁 Why firms keep hiring experience but won’t back new talent

🧱 The power of apprenticeships and why more firms must engage

💬 How to shift short-term mindsets in firm leadership

🪄 And Tom’s magic wand moment

Do you agree with Tom? Are you as optimistic or is this just the beginning of the end?

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The Recruitment Industry’s Biggest Lie - And Why Clients Keep Falling for It

Recruitment has been running on fumes for years. The contingent model dominates, yet it delivers an 80% chance of wasted time.

Louise Archer and I dug into why the industry clings to it, despite better alternatives. 

Some key takeaways:

• Retained search isn’t just for execs in pinstripe suits—it’s a better way to recruit across the board.
• Clients often think contingent is faster and cheaper, but the reality? It’s slow, inefficient, and costs more in the long run.
• The biggest issue? A lack of education. Louise shared a story about a senior HR leader who spent 15 years rejecting retained search—until she finally had it explained properly. Now, she’s one of their top retained billers.
• AI will eat low-level, high-volume hiring. For recruiters to survive, they need to move up the value chain—retained search is the future.

Thanks to Louise for a great conversation!

So, is it time to stop treating recruitment like a gamble? 

#Recruitment #RetainedSearch #TalentAcquisition #Hiring

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It was a privilege to host Jeff Lange, Group CEO of TFAS Enterprises, on the podcast. Jeff shared fascinating insights into the evolving financial advice sector, the role of technology, and the future of client engagement. Here are the key takeaways from our conversation:

💻 Remote advice is thriving

Face-to-face isn’t the only way. Remote advice, driven by trust and tech, is now the choice for even high-net-worth clients.

🌍 Bridging the advice gap

Streamlined processes and digital tools are making advice accessible to clients at all asset levels.

🤖 AI in action

From automating meeting summaries to compliance checks, AI is revolutionising how advice is delivered.

🔄 Future-proofing with flexibility

Combining traditional face-to-face advice with digital services ensures no client is left behind.

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The Trilogy Nobody Thought Would Happen

“All good things must come to an end”—and so does the final episode of our podcast series with the brilliant Dave Robinson.

This time, we cover plenty of ground, including:

1️⃣ Regrets on LinkedIn?

Dave’s outspoken views have sparked debates, drawn praise, and even got him blocked! But does he regret any of it? His answer (and reasoning) is refreshingly honest.

2️⃣ Thoughts on the CII

Dave doesn’t hold back as we discuss the role of professional bodies and how the financial advice sector could raise its standards.

3️⃣ The Case for Internal Succession

Our main focus: Why internal succession is the key to long-term sustainability for firms, and how to navigate this complex process effectively.

📘 Valuable Resource: Dave is generously sharing his Comprehensive Guide to Internal Succession, a must-read for any Principal planning their next steps.

A huge thank you to Dave for his time, insights, and willingness to answer any question I threw at him.

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"Talking with Archana was genuinely inspiring and thought-provoking. Her insights brought a fresh perspective on what leadership truly means, especially in today’s rapidly changing world." - James Walker

In this episode, we unpacked:

1. Redefining Leadership in a Post-Pandemic World: Archana shared how the role of leadership has transformed – it's no longer just about guiding teams but about creating environments where people feel genuinely connected and purposeful.
2. Belonging vs. Fitting In: A standout moment was our discussion on the importance of belonging. Archana highlighted that belonging is about being valued for who you truly are, not just for the parts that ‘fit’ the mould. This shift is something every leader should consider as they cultivate their team culture.
3. Boundaries in a Hybrid Work Environment: Navigating remote work has blurred boundaries between professional and personal life. Archana's insights on balancing these demands underscore the evolving responsibilities of leaders to support holistic well-being.

Archana also shared insights from her upcoming book, The Through Line, which delves deeper into how storytelling, curiosity, and openness can transform both leadership and personal growth. Her reflections offer essential guidance for leaders committed to building meaningful connections.

Tune in to explore these themes and more in what was a truly fascinating conversation.

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🚨 Alert: "Businesses must start transitioning to be data-led, or they risk becoming irrelevant. Those who fail to integrate data into their operations will fall behind as the industry evolves. It’s not just about compliance or efficiency anymore – it’s about survival."

In this insightful episode, I sit down with Poppy Achilles to discuss three critical pillars for the future of UK financial planning:

1. Data – Why it’s the foundation of any business and the importance of data quality in driving client experience, operations, and decision-making.
2. Client Experience – The growing demand for digital-first, seamless interactions, especially as wealth transfers to a new generation of tech-savvy clients.
3. AI – How AI can transform the industry, but only when supported by clean, structured data.

If you're a business leader thinking about how to stay ahead in the financial services industry, this episode is a must-listen!

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It was an absolute pleasure to sit down with Carla Brown, Managing Director of Oakmere and President of the PFS, to discuss some truly important and sobering topics.

Carla shared her personal journey into financial services, highlighting the critical gaps in financial education that persist, particularly in schools. We touched on the need for early intervention and education to help the next generation avoid financial pitfalls and grow financially literate.

One of the most eye-opening discussions was on financial abuse—a topic that hits close to home for Carla. She shared how a close friend experienced this in an abusive relationship, emphasising the subtle warning signs that can often be missed. It's a reminder to all of us that financial control is a form of abuse and something we need to be more vigilant about.

We also discussed Carla’s role with the PFS, where she is focused on building stronger collaboration within the profession and working closely with the FCA to ensure the voice of financial advisers is heard in key policy decisions.

Find out who inspired Carla in her journey and what she would do if she had a magic wand!?!

This episode is a must-listen for every financial planner.

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Join me for an illuminating conversation with the brilliant Brendan Frazier, Chief Behavioural Officer at RFG and host of the Human Side of Money podcast.

This episode is packed with valuable insights for financial planners, and anyone interested in the human side of financial advice!

You don’t want to miss this!

Key topics discussed:

🌟 The Human Element in Finance: Brendan shares his passion for integrating psychology and human behaviour into financial planning.

🚀 Helping Clients Take Action: Practical strategies to bridge the gap between knowing what to do and actually doing it, helping clients follow through on their financial plans.

💡 Building Trust: Effective strategies for financial advisers to establish and maintain trust with clients.

📈 Client Reviews Redefined: Why and how financial advisers should rethink their client review process to add more value.

✨ Magic Wand: Discover what Brendan would wish for if he could change one thing.

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In another Ask The Actuary special, Kieran Mistry shares his actuarial journey with us, from Deloitte to Hymans and finally, the award-winning Bulk Purchase Annuity (BPA) insurer, Standard Life in January 2022 – the last 2.5 years have been very busy in the BPA market!

Keiran describes the difference between being an actuary advising the trustee side of a BPA deal to being an actuary acting for the insurer, before offering some sage advice to nearly/newly-qualified actuaries, including:

“…Look for opportunities to grow and learn. If you're learning, I have a view that things will work out if you've got an actuarial badge and you keep looking to grow and learn…”

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🎙️ Get ready for a special Ask the Actuary episode of BWD’s In The Know podcast! This time, we're joined by Adrienne (Ostroff) Lieberthal – the powerhouse CEO and Founder of Athena Actuarial Consulting and co-founder of NAWA (Network of Actuarial Women and Allies), boasting over 3,000 followers across the US.

🚀 Tune in to hear Adrienne's inspiring journey from her days as a college athlete in Philadelphia to conquering the actuarial world. Discover how she leveraged her competitive edge to ace those tough exams and land her first roles in the field.

🎉 Life took a thrilling turn for Adrienne in December 2020. Within just six days, she left a stable job, launched Athena, and got engaged! Fast forward to today: Athena has 3 business partners, 25 employees, and $3 million in annual revenue – all while staying true to its core values.

💡 "I felt like there was a way to run a professional services firm that puts people at the center…when those people feel better, they do better work. They are more innovative and creative when engaged…"

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Here’s Part II of our latest "In the Know" podcast featuring Dave Robinson FCCA APFS MCSI TEP LLAA IMC 🎙️✨

By any metric, Dave has been remarkably successful in the financial planning industry, and in this episode, we discuss his blueprint for building a successful financial advisory firm.

Here are some key highlights:

🔹 Reflections on SJP: We discuss the feedback from the first podcast.

🔹 Building a Successful Business: Learn the core principles and strategies that have defined Dave's career and contributed to his firm's success.

🔹 Specialisation and Collaboration: Discover how focusing on niche markets and collaborating with others can provide comprehensive services to clients.

🔹 Fee Structures: Understand the benefits of fixed fees over percentage-based fees to eliminate conflicts of interest and provide transparent pricing.

🚨 Don't miss out on the exclusive resources Dave has shared:

1. Example Fee Agreement 📄 – A real-life document outlining the scope of work and transparent fee structure that Dave's firm uses.
2. Example Business Plan 📊 – One of the most comprehensive business plans you'll find, including cashflow management. A must-have for anyone building a business.

These items are goldmines for those looking to grow and succeed in the financial planning profession. 

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We're excited to share our latest episode featuring a fascinating conversation with George Kinder, the father of the life planning movement and renowned author. In this episode, George delves into his early influences, the origin of life planning, and offers a glimpse into the future. Key topics include:

• Early Influences and Spirituality: Growing up in rural Ohio and how his formative years shaped his approach to life and financial planning.
• The Essence of Life Planning: Understanding why listening to a client's deepest aspirations is crucial before any financial planning can take place.
• Introducing His Latest Book: Unveiling "The Three Domains of Freedom," which explores mindfulness, the mastery of the present moment, and the concept of a fiduciary culture that promotes trust and humanity in all institutions.

Additionally, we have a special segment called "Kinder Surprise," where I ask George three thought-provoking questions.

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We're delighted to bring you another Ask the Actuary Special episode of BWD’s In The Know podcast, with LCP’s Bart Huby (the Football Actuary).

Bart is an actuary with over 40 years’ experience in the pensions industry, but he’s managed to combine his passion for data science and Sport - in particular, football (or soccer for those of you in the States! - as Head of Sport Analytics at LCP, involved in developing and marketing LCP’s innovative soccer player recruiting platform, TransferLab, in partnership with leading football consultancy Analytics FC.

He qualified as an actuary in 1989 but has never stopped learning, gathering two MBAs in Finance during his career – one focussed on the Football Industry.

Listen to Bart’s actuarial journey and hear him advise nearly/newly qualified actuaries to “Be curious…create a personality for yourself…and get out of your comfort zone.”

And finally, Bart quotes from Steve Parish (owner of Crystal Palace Football Club) “Look after your body as well as your mind…”

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We're excited to share the full episode featuring Dave Robinson FCCA APFS MCSI TEP LLAA IMC.

While many of you may skip ahead to the SJP discussion (1hr35), we encourage you to listen to the entire episode.

In the first part, Dave shares his career highs and lows, offering valuable insights into why his belief system is deeply rooted in Independent Financial Planning, without conflict.

Dave is a fascinating guest and a great sport, allowing me to ask him any question. It was a pleasure to sit down with him, and since we didn't cover all the areas we wanted to, we have a sequel planned for mid-July.

Enjoy!

#financialplanning #IFA #FinancialAdvice #SJP

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In this engaging conversation, Ed takes us through his career from aspiring car designer to a leading figure in financial services.

Key topics discussed:

🌟 Career Evolution: From creativity in car design to strategic leadership in financial services.

🥊 Adapting to Change: "Everyone has a plan until they get punched in the face." – Ed shares insights on navigating industry shifts.

📈 Benchmark's Vision: How Benchmark supports financial planners and their growth journey.

🚀 Breakaway Advisors: The rise of advisers starting their own practices and how Benchmark supports them.

✨ Magic Wand: If given a magic wand, what one thing would Ed change in the profession?

Valuable insights for financial planners and those connected to the industry!

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We're excited to share our latest episode featuring a fascinating conversation with Liz Frazier-Peck, a fee-only Certified Financial Planner and author of "Beyond Piggybanks and Lemonade Stands."

In this episode, Liz delves into her unique career in financial services and her passion for financial education for kids. Key topics include:

• Career Path: From growing up with a financial planner mom to becoming a leading financial expert herself.
• Financial Education for Kids: The importance of teaching finance at a young age and practical tips for parents.
• Commission vs. Fees: An amusing story about Liz's early passion for fee-only financial planning.
• Client Trends: Observations on changing client needs and the impact of COVID-19 on financial planning.
• Technology in Finance: The impact of digital transactions on children's understanding of money.

I hope you enjoy this episode. Be sure to like and subscribe for more content.

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In this episode, Ben takes us through his journey in financial services, from his early days as an actuary to leading innovation at Wealth Wizards.

Key topics include:

👨‍💼 Career Path: From the Edinburgh Fringe Festival to actuary to CEO, Ben's career and the lessons learned.

💡 Wealth Wizards' Mission: Making financial advice accessible.

📊 Guidance vs. Advice: Insights on the Advice Guidance Boundary Review.

🤝 Consumer Trust: Building trust and driving engagement in the digital age.

This episode is packed with valuable insights and a timely update on the Advice Guidance Boundary Review!

Special thanks to Ben for sharing his passion for making advice accessible.

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Join us as Guy Skinner, Director at Citygate Financial Planning, shares his insights on starting solo, building a team, and working with the "Henrys". Topics covered include:

• Team Growth & Strategy: From one to a powerhouse
• Charging Structure: Guy’s approach to client fees
• Client Relationships: Mastering transitions and trust
• Personal Drive: How personal history shapes professional passion

🙏 A special thanks to Guy for his openness and sharing his expertise.

#FinancialPlanning #Leadership #CareerGrowth #Podcast

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Let Tess take you on her actuarial journey from failing her probation as an actuarial trainee at WTW to becoming UK Wealth Strategy Leader (a job title she made up herself!) and Partner at Mercer – via investment consultancy, Head of Retirement Practice (or as Tess puts it “the proper actuaries”) in Manchester, DC Leader for the North, and UK People Leader responsible for people strategy and colleague development (a role she held during the pandemic!)

And hear her advice to nearly/newly qualified actuaries, including “Just say ‘Yes’ to opportunities!” and “Don’t worry…it’ll all work out…it’s just work at the end of the day!” and all about her famous Twitter #WorldCup of…Cocktails, Christmas Songs, Bakery, etc., which, of course, has a fully audit-trailed spreadsheet for each competition!

A huge thank you to Tess for her time and for sharing her actuarial journey.

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🚀 Latest BWD In The Know Episode: Business Exit Strategies Uncovered 🎧

In this episode, we explore the intricate world of exiting a business, focusing on innovative strategies that go beyond the traditional. Join us as we delve into:

🤝 Employee Ownership Explained: Chris shines a light on Employee Ownership, where founders sell to a Trust, reaping benefits like zero capital gains tax, and why it's on the rise.

❤️ The Value Beyond Tax Breaks: Discover the heartfelt reasons behind choosing Employee Ownership, from safeguarding legacy and culture to staying involved on your own terms.

🔍 Future Implications: With potential shifts in governance on the horizon, we dissect how changes in capital gains tax could reshape exit strategy landscapes.

This discussion is a must-listen for business owners pondering their next steps...

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We are delighted to bring you another "In The Know" episode featuring Alan Smith ➡️ CEO of Capital Asset Management 🌟. Join us as we explore:

🌱 Core Values: Alan discusses how core values such as family, travel, adventure, learning, and giving back, not only guide his personal life but also his professional practice. 

🚀 Podcast Gems: "Bulletproof Entrepreneur" highlights key entrepreneur traits: resilience, vision, and innovation.

🔍 Pricing Models: Hear Alan's move to value-based subscription models, moving beyond traditional AUM fees. Alan discusses the shift to pricing that reflects true value delivered to clients. Explore the transformation:

• Fee Model Masterclass
• Value-Based Advisory Blueprint

🤖 AI's Role in Financial Planning: Artificial Intelligence in financial planning, from streamlining data processing to elevating client service. Alan stresses a cautious yet strategic embrace of AI, highlighting the importance of data security and compliance. Learn more:

• Implement AI in Financial Planning

🎧 An essential episode for Financial Planners and anyone interested in entrepreneurship, technology, and personal growth.

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