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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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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Dive into an insightful episode of "In The Know," featuring Phil Bray, Founder and Director of the Yardstick Agency, a firm that stands at the forefront of marketing for Financial Planners.

📊 Understanding the Essence of Marketing

• Unpacking the fundamental concept of marketing…creating opportunities and turning them into cash!

🛑 Busting Myths: Tackling Misconceptions and Limiting Beliefs in Marketing

• Discussing the common myths and misconceptions that prevent Financial Planners from fully embracing effective marketing strategies.

📈 Essential Strategies for Financial Planners

• Gaining insights into the top three actions Financial Planners should undertake to bolster their digital footprint, and effectively leverage referrals and recommendations.

🌐 The Significance of Digital Presence and Social Proof

• Discovering the critical importance of establishing a robust digital presence and the role of social proof in attracting and retaining clients.

This episode is a must-listen for Financial Planners eager to grasp the intricacies of marketing.

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Discussing the recent Schroders UK Financial Adviser Survey with the brilliant Gillian Hepburn. 

5 key topics of conversation explored:

• 🤖 Evolving Role of AI in Financial Advice: "70% of advisors see AI as an opportunity to enhance efficiency and client service”.
• 💡 Gillian's ‘A-ha’ Moment on Fees: Despite a perceived pressure on fees, "the number of advisers charging between 0.5% and 0.75% had actually increased".
• 📜 Navigating Regulatory Challenges: "49% of advisers citing regulation as a main concern”.
• 🔄 Wealth Transfer and Engagement Strategies: Despite "63% of advisers being concerned about wealth transfer many lack a proactive strategy to engage with the next generation”.
• 👥 Adviser Gender Preferences: Revealing that "76% of women indicate that the gender of their financial adviser is not a priority; what matters most is trust and understanding”.

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In our 6th instalment, we're diving deep into the world of financial advice with Ben Wright, MD at Changed Squared, a seasoned expert whose 20+ years’ experience provides us with some honest insights into the current and future world of financial services.

https://www.linkedin.com/in/benwright/

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Welcome to another episode of BWD IN THE KNOW, the premier podcast for Financial Services.

In the latest instalment, we delve into valuable insights about selling your business with Solicitor Paul Trudgill, Partner at Knights.  

Some of the discussion points are: 

• Managing and protecting against risk
• When and why do deals fall down?
• Why get a solicitor involved early?
• What is involved from a legal perspective?

If you enjoy the episode, don't forget to subscribe, rate, and leave a review!

If you would like to know more about the M&A market, please get in touch with Dave (dave.rist@bwd-search.com)

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Welcome to another episode of BWD IN THE KNOW. In our 4th instalment, we're diving deep into the world of financial services with John White, Head of Financial Planning at Hurst Point, a seasoned expert who has led some of the largest advice firms.

Here’s a peek into the insightful topics we cover: 

•  Exploring culture & leadership
• Tackling career challenges
• Consolidation 
• The future of advice
• Time to give back

https://www.linkedin.com/in/john-white-516b481b/

https://bwd-search.com/

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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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In our third instalment of IN THE KNOW, we host our first group discussion episode, where we delve into the transformative world of Artificial Intelligence and its potential impact on financial planning and the adviser landscape.

Joining our host James Walker (MD of BWD), we have a stellar lineup of real human guests to discuss AI and its impact on Financial Planning.

• Gillian Hepburn, the Head of UK Intermediary Solutions at Schroders
• lan McKenna, the Founder and Director of FTRC
• Ben Hampton, CEO of Wealth Wizards

Topics Covered:

• Current State of AI Integration (Based on the Pulse Report)
• Future Prospects of AI Integration (Based on the Pulse Report)
• Balancing AI's Threats and Opportunities
• Practical Applications of AI
• Ethical, Regulatory, and Big Tech Challenges
• The Future of Traditional Financial Planning

So, will AI terminate traditional financial planning? Let's find out.

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In this insightful second episode, Rob Hammond and John Okafor interview the impressive Katey Walker, Chief Commercial Officer with Aon's Strategy and Technology Group. 

Katey shared her unique and insightful perspective on various hot topics from the excitement and expectations of AI and technological advances and the impact on the insurance sector but also the reluctance for change, to the importance and difference of inclusion and representation within a changing but still very male-dominated industry. 

Katey Walker has twenty years of experience in the property/casualty industry as a consultant and in Executive and Senior Management roles for Top 10 insurance companies. In addition, Business Insurance honoured Katey as a Women to Watch 2022. 

BWD IN THE KNOW explores and delves into critical topics such as diversity, equity, and inclusion (DE&I), culture, market changes, trends and future planning, and of course, the dynamic world of recruitment. Listeners can expect to gain a deeper understanding of market trends, hear real-life success stories, and get practical advice on navigating the ever-changing job market. 

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In this insightful episode of BWD IN THE KNOW, hosts John Okafor and Rob Hammond interview the inspiring Linley Baker. A high achiever from Massachusetts, Linley excelled at the Wharton School of Business before launching a successful actuarial career, earning Fellowship in the Society of Actuaries at just 25. After pausing her career to raise her six children in four different countries, she reentered the professional world in 2012, rising to the position of vice president within five years. Linley advocates for unconventional career paths and shares her wisdom in her motivational book, "Don't Be Afraid to Do What You Really Want to Do – Reach All Your Life Dreams". Join us for this captivating conversation about life, career, and achieving your dreams.

BWD IN THE KNOW will explore and delve into critical topics such as diversity, equity, and inclusion (DE&I), culture, market changes, trends and future planning, and of course, the dynamic world of recruitment. Listeners can expect to gain a deeper understanding of market trends, hear real-life success stories, and get practical advice on navigating the ever-changing job market.

Watch the video version here

Find Linley's books here

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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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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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"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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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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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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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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“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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💡 “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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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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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.

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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.

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