Explore every episode of the podcast The Transact Platform Podcast

How much is your advice business really worth, and what can you do today to increase its value?

In this episode of the Transact Platform Podcast, Daniel Smith, Succession Planning Manager at Transact, is joined by Louise Jeffreys, Managing Director of Gunner & Co, to explore the key factors that influence business valuations and what advisers should consider when planning for a future sale.

Together they discuss:

• why advice firms are valued differently and how buyers assess recurring income, profitability and future growth potential
• the key drivers of value, including client demographics, fee structures, intergenerational planning and organic growth
• how deal structures, earn-outs and deferred consideration can impact the proceeds ultimately received
• the differences between selling a client bank and selling shares in a business, and why that distinction matters
• how market trends, consolidation and emerging technologies such as AI could influence future valuations.

Drawing on experience from hundreds of transactions in the financial planning profession, Louise shares practical guidance for advisers looking to understand, protect and maximise the value of their business.

Whether a sale is years away or already on the horizon, this episode offers valuable insights to help advisers make better informed succession planning decisions.

To stay up to date with the latest industry developments, don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own and do not represent the views of Transact. Any references to third parties do not constitute an endorsement, recommendation, or preference by Transact. Please remember that the value of investments can fall as well as rise, and tax treatment depends on individual circumstances and is subject to change.

Financial advice is entering yet another period of significant change. New technologies are emerging, regulation continues to evolve, and adviser firms are growing larger through consolidation, all while client expectations continue to shift.

In this episode of the Transact Platform Podcast, Tom Dunbar, Transact's CEO, sits down with Abraham Okusanya, CEO of Timeline, to discuss the trends reshaping the profession and what advisers should be paying attention to as the industry evolves.

Together they explore:

• whether AI will transform the adviser value proposition or create a new source of competition
• how consolidation is changing the advice landscape and its impact on clients
• why pension tax reforms may create some of the biggest planning opportunities in recent years
• what's driving the continued rise of MPS and where the market could be heading next
• the evolution of platforms and the treatment of cash interest.

From technology and regulation to investment solutions and client outcomes, this episode offers a thought-provoking look at the trends, challenges and opportunities shaping the future of financial advice.

To stay up to date with the latest industry developments, don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own. Any references to third parties do not constitute an endorsement, recommendation, or preference by Transact.

In this episode of the Transact Platform Podcast, Tom Dunbar, Transact’s CEO, is joined by Sam McBride from Ani Tech and Richard Brian from Curo to discuss how Artificial Intelligence (AI) agents are reshaping the future of financial advice and what this could mean for advice firms in the years ahead.

Together they explore:

• the difference between bespoke AI agents and AI capabilities embedded within CRM systems
• how AI agents can support advisers throughout the client review process
• opportunities to automate meeting notes, client reviews and suitability report preparation
• the importance of human oversight, governance and permission controls
• and the opportunities and challenges firms should consider as AI becomes increasingly mainstream.

Throughout the episode, Sam and Richard share practical examples of how AI agents are already being used within advice firms, from automating administrative processes and preparing review meetings to supporting compliance activities and improving the consistency of client data.

If you're exploring AI for the first time or considering more advanced agent-based solutions, this episode provides valuable insights into how advisers can use AI to improve efficiency and focus more time on delivering highly valued advice.

To stay up to date with the latest industry developments, don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own. Any references to third parties do not constitute an endorsement, recommendation, or preference by Transact.

In this episode of the Transact Platform Podcast, Tom Dunbar, Transact CEO, is joined by Keith and Josh Butten of Boosst to discuss how trusts can be used for future succession planning of advice firms and help clients plan for long-term wealth transfer.

Together they explore:

• the succession options available to adviser firms, including consolidation, management buyouts, family succession and Employee Ownership Trusts (EOTs)
• why Boosst chose to transition to an EOT and the lessons learned from the process
• the importance of planning early and building a strong leadership team
• how trusts can help support long-term client outcomes and family wealth transfer
• the growing impact of inheritance tax planning following upcoming changes to unused defined contribution pension taxation
• the role of loan trusts, Discounted Gift Trusts and Flexible Reversionary Trusts within financial planning
• key considerations when selecting and working with professional trustees
• And the operational challenges and opportunities as trust planning becomes more mainstream.

Throughout the episode, Keith and Josh share their first-hand experiences of business succession, EOT planning, offering practical insights into how advisers can think about legacy, continuity and long-term planning for both their businesses and their clients.

Whether you're considering succession options for your own advice firm or helping clients navigate inheritance tax and estate planning challenges, this episode provides valuable perspectives on the growing role trusts can play in shaping the future.

To stay up to date with the latest industry developments, don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own. Any references to third parties do not constitute an endorsement, recommendation, or preference by Transact.

In this episode of the Transact Podcast, Tom Phillips, Integrations and UX Manager at Transact, speaks with adviser Francois van der Merwe about how small and medium sized firms can make better use of AI, data and APIs without needing a dedicated IT team.

Together they explore:

• why smaller advice firms may be uniquely positioned to benefit from AI
• how AI powered workflows can help reduce administrative tasks
• the role of APIs and open data in creating more connected advice businesses
• practical uses of AI, from automated reporting to workflow management
• how technology can strengthen compliance processes and operational efficiency
• the importance of balancing AI capabilities with human judgement and
• the common pitfalls firms should avoid when implementing new technology.

Throughout the episode, Francois shares real world examples from his own business, including how he has used AI to automate reporting, build personalised workflows and create systems that free up more time for client relationships.

Whether you’re already embracing AI or simply curious about where to begin, this episode offers actionable ideas for harnessing the power of AI to improve the way you and your business operate.

To stay up to date with the latest industry developments, don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of the Transact Podcast, Stuart Fleat, Head of Distribution, is joined by Mark Fenlon, Head of Technical, to unpack the proposed ISA reforms and what they could mean for advisers, platforms, and investors ahead of their expected introductions in April 2027.

Together they explore:

• the proposed reduction in Cash ISA subscription limit of £12k for individuals under 65
• the new 22% charge on interest earned from cash held within Stocks & Shares ISAs
• restrictions on Stocks & Shares ISA to Cash ISA transfers and their implications for client planning
• changes affecting money market funds
• practical opportunities to review client cash holdings and wrapper strategies
• proposed changes to Lifetime ISAs and the introduction of a new First Time Buyer ISA,
• and key actions advisers can take now to prepare clients for the changing regulatory landscape.

Throughout this episode, Stuart and Mark discuss the potential challenges and opportunities created by the reforms, highlighting how advisers can help clients navigate increased complexity and make informed decisions ahead of the proposed changes.

Whether you’re reviewing client cash positions, assessing tax wrapper strategies or planning for the future of ISA investing, this episode provides practical insights and technical expertise to help you stay ahead.

To stay up to date with the latest industry developments, don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

The FCA, Client Cash and the Future of Platform Charging

In this special edition of the Transact Podcast, Chief Development Officer Andrew Cullen-Jones is joined by Transact CEO Tom Dunbar, James Daley of Fairer Finance and Jack Gilbert of Citywire New Model Adviser to explore one of the most closely watched issues in the UK platform market cash interest retention.

Together, they discuss:

• how client cash is held and managed on investment platforms
• why cash interest retention has become a growing focus for regulators, policymakers and consumer groups
• the role of Consumer Duty, fair value assessment and transparency requirements
• the FCA’s latest consultation and what it could mean for platforms, advisers and investors
• how advisers assess platform charging structures and value for clients
• the different perspectives shaping the debate across the industry
• what future regulatory, political and market developments could mean for platform charging.

Bringing together platform, consumer and media perspectives, this episode examines the key issues behind the headlines and explores the challenges, opportunities and trade-offs at the heart of the client cash debate.

To stay up to date with the latest industry developments, don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In the latest episode of the Transact Platform Podcast, we explore a range of recent enhancements to Transact Online, designed to make financial planning easier and improve the experience for both advisers and their clients.

Joining the discussion are David Styles, Transact's Head of System and Service Development, and Stuart Fleat, Transact's Head of Distribution, who provide an overview of the latest platform developments and the thinking behind them.

Topics covered include:

• the new Bond Gain Calculator to help calculate the impact of proportional versus segmental withdrawals.
• the launch of the Flexible Reversionary Trust
• enhancements to transfer functionality within the Guided Application
• new online direct debit and bank account setup capabilities
• upcoming regular cash transfer functionality, and
• future enhancements aimed at reducing administrative friction.

The episode delves into our latest digitalisation developments that help advisers work more efficiently and deliver better outcomes for clients.

To stay up to date with the latest industry developments, don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of the Transact Podcast, Andrew Cullen-Jones, Chief Development Officer at Transact, is joined by Tim Horrocks, Founder of rockwealth, to explore the lessons, decisions and philosophies that have shaped rockwealth's journey from a small advisory firm in Cheltenham into a UK-wide financial planning business.

Tim shares the story behind becoming directly authorised, the challenge of launching a business, and why creating the firm he couldn’t find elsewhere become the foundation for rockwealth’s growth.

Topics covered include:

• building an advice business from the ground up
• the realities of becoming directly authorised
• scaling from a local firm to a national network
• evidence based investing and factor investing
• fixed fees, fair pricing and client outcomes
• why behavioural coaching is often the biggest source of adviser value
• using technology, data, and AI to support ownership and long-term growth
• how pension inheritance tax changes could influence future planning strategies

Throughout the episode, Tim shares candid insights on entrepreneurship, leadership and what it means to build a business around a clear philosophy, while keeping clients at the centre of every decision.

Whether you're an established adviser, considering setting up your own firm, or interested in the future of financial planning, this episode is packed with practical takeaways and thought-provoking ideas.

To stay up to date with the latest industry developments, don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of The Transact Platform Podcast, Transact’s CEO, Tom Dunbar, speaks with Bella Caridade-Ferreira, Founder of Fundscape, one of the leading authorities on platform market data and analysis.

With over 20 years of experience studying the platform market, Bella shares how the industry has evolved from a handful of providers into a complex ecosystem shaped by regulation, technology and changing client behaviour.

They cover:

• the evolution of the platform market and the rise of D2C investing
• platform business models, revenues and margins
• the growing importance of platform technology and risks of provider concentration
• why AI is an opportunity to enhance, not replace, financial advice
• the resurgence of bonds and trusts in financial planning
• the challenges and opportunities in improving transfer processes.

Bella also shares a clear message for advisers: be intentional in your platform selection strategy. The right foundations enable better outcomes for both your business and your clients.

If you’re reviewing your platform strategy or thinking about the long-term direction of your business, this episode provides insight and a data-led perspective.

To stay up to date with the latest industry developments, don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of The Transact Platform Podcast, Transact’s Chief Development Officer, Andrew Cullen-Jones, sits down with James de Lisle Wells, Chartered Financial Planner and Director of de Lisle Financial Planning, to explore the reality of building and running a modern advice business.

James shares his journey into financial planning, the experience he gained before launching his own firm in 2021, and the key decisions that have shaped a lean, scalable and client-focused business.

They cover:

• the realities of going solo and what advisers often underestimate
• how to build a high-quality business without adding headcount
• the role of outsourcing across paraplanning, compliance and operations
• how upcoming pension and inheritance tax changes are shaping client strategies
• supporting clients through market volatility and political uncertainty
• taking a practical approach to technology and AI within an advice firm.

If you’re looking to build, refine or scale your advice business, this episode offers practical insight you can apply straight away.

To stay up to date with the latest industry developments, don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of The Transact Platform Podcast, CEO, Tom Dunbar, is joined by Non-Executive Chair of Integrated Financial Arrangements Ltd (IFAL) and former Skandia CEO, Nick Poyntz-Wright, to explore how the financial advice market has evolved and what lies ahead. Drawing on experience across platform leadership and frontline supervision at the FCA, Nick shares a unique perspective on regulation, market change, and the opportunities for advisers today.

They discuss what these changes mean in practice, from the long-term impact of the Retail Distribution Review (RDR) on transparency and advice quality, to how the FCA approaches supervision, accountability, and market structure. They also explore the rise of consolidation and private equity investment, alongside the growing influence of technology and AI on the adviser landscape.

With insights on everything from regulatory thinking to future market dynamics, this episode highlights how advisers can navigate change while continuing to deliver value to clients.

If you’re looking to better understand the forces shaping the advice market and what they mean for your business, this episode offers a valuable and practical perspective.

To stay up to date with the latest industry developments, don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this short update episode of the Transact Podcast, Natasha Walker, Lead Technical Consultant, is joined by, Mark Fenlon, Head of Technical Services, to revisit the upcoming Additional Pension Death Benefit Administration changes, following the latest HMRC guidance released shortly after their previous discussion in May.

Together, they unpack the most important developments for advisory professionals, including:

• The confirmation of no loss on sale relief, meaning pension values at death will determine tax liability regardless of market movement.
• The removal of Agricultural Property Relief (APR) and Business Property Relief (BPR) eligibility for qualifying pension-held assets.
• New rules around withholding notices and payment notices, and their implications for scheme administrators.
• Tightened timelines, including the expectation that tax is paid within six months.
• Practical considerations for executors, beneficiaries, and advisers navigating increasingly complex administration requirements.

With more guidance still expected, this episode highlights the growing administrative burden, and the critical role advisers will play in supporting clients through these changes ahead of April 2027.

To stay up to date with the latest industry developments, don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

The Transact API is designed to make integrations with CRM and other systems, simpler, smarter, and more efficient for financial advisers.

In this episode of The Transact Podcast, Integrations Manager, Tom Phillips, and Head of System and Service Development, Dave Styles, explore how the new API will transform the way the Transact platform and CRMs work together, now and in the future. By enabling secure, seamless data sharing, the Transact API supports a more joined up experience, reducing the need to switch between systems, helping advisers save time, reduce admin, and focus more on their clients.

They discuss what the API means in practice, from accessing platform data such as valuations, contributions and withdrawals to the future of automated workflows, richer data, and two-way integrations.

If you’re looking to simplify your workflows and spend less time on admin, this episode offers a clear view of what the Transact API can unlock.

To stay up to date with the latest industry developments, don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of The Transact Podcast, Succession Planning Manager, Daniel Smith is joined by Victoria Hicks, CEO at Melo, to explore what it really takes to plan and deliver a successful business exit from an advisory business.

Succession is one of the most important decisions a financial planning firm will make, yet it’s often left too late.

In this podcast, Daniel and Victoria unpack:

• why succession should be treated as a long-term strategy, not a last-minute transaction
• what really drives valuation, and why profitability matters more than recurring income alone
• the importance of cultural alignment for staff, clients, and long-term success
• how to prepare your business for sale and maximise value ahead of time
• why choosing the right buyer goes beyond the headline offer
• the role of experienced advisers in protecting value throughout the deal
• common pitfalls that can delay, derail, or reduce the value of a sale
• why personal readiness is just as important as business readiness

Drawing on first-hand experience and real-world scenarios, this episode highlights the key considerations when selling your business, whether you are close to exit or taking a more long-term view.

Don’t forget to subscribe to the Transact Podcast on Spotify and Apple Podcasts and follow us on LinkedIn and X.

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

From April 2027, significant changes to pension death benefits are expected to come into force, bringing pensions into the scope of inheritance tax (IHT) and introducing new administrative requirements.

In this episode of the Transact Podcast, Natasha Walker, Lead Technical Consultant, is joined by Head of Technical Services, Mark Fenlon, to unpack what these changes mean based on our understanding of the current legislative framework.

Together, they explore:

• how the process is moving from simple to much more complex
• new responsibilities for administrators, executors and beneficiaries
• the key rules and steps involved (including valuations and notices)
• the risk of delays, additional tax and increased liability
• why keeping details up to date and consolidating pensions matters.

They also discuss practical considerations, including how inheritance tax may be paid, the risk of over-taxation, and the impact on bereaved families navigating an already challenging process.

While further HMRC guidance is expected, this episode provides a clear, practical overview of what we know so far, and how advisers and clients can start preparing now.

If you work with pensions or estate planning, this is essential listening.

Subscribe to The Transact Podcast on Spotify and Apple Podcasts and don’t forget to follow us on LinkedIn⁠ and X⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

For more information visit our website at: https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

From April 2027, unused defined contribution pension fundswill be included in an individual’s estate for inheritance tax, a shift that could dramatically increase the number of clients facing an unexpected IHT liability.

In this episode of the Transact Podcast, Stuart Fleat,Head of Distribution, is joined by Natasha Walker, Lead Technical Consultant, to explore why this change marks a turning point for estate and intergenerational wealth planning.

Together, they discuss how different client profiles will beaffected, why pensions can no longer be treated as “set and forget”, and how trusts are becoming an increasingly powerful alternative, offering flexibility, control and the ability to balance lifetime income with IHT efficiency.

Key topics include:

• why 2027 is such a significant date for pension and estate planning
• the growing IHT impact of including pensions in estates
• the role of gift and loan trusts, discounted gift trusts and flexible reversionary trusts
• practical planning conversations advisers should be having now.

A must‑listen for advisers navigating the evolving tax andplanning landscape.

Subscribe to The Transact Podcast on Spotify and Apple Podcasts and don’t forget to follow us on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

For more information visit our website at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

Financial planning looks very different when you’re planning not just for yourself, but for a dependant with additional needs who may always need support. With over 638,000 Education, Health and Care Plans (EHCPs) in place for individuals in the UK, there is a greater need for advice than you might think. Navigating access, future needs and inheritance combined with the impact on benefits needs well considered and informed advice.

In this episode of the Transact Podcast, Chief Development Officer, Andrew Cullen-Jones, is joined by award-winning financial planner and Special Educational Needs and Disabilities (SEND) specialist, Rhiannon Gogh. 

Together, they explore:

• why traditional estate planning often fails SEND families
• the issues around Junior ISAs, Child Trust Funds and access at age 18
• how EHCPs shape long-term planning
• the role of trusts in protecting benefits, care funding and independence
• how early planning can create life changing outcomes

Blending professional expertise and lived experience, this episode offers practical insights for financial advisers who are looking to make a difference.

Subscribe to The Transact Podcast on Spotify and Apple Podcasts and don’t forget to follow us on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

For more information visit our website at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of The Transact Podcast, Transact CEO Tom Dunbar is joined by financial planner Robin Keyte for an in-depth conversation on building a successful advice firm with ethics, independence and client outcomes at its core.

Robin reflects on his journey from starting out in the advice industry to scaling and ultimately selling a thriving directly authorised business managing around £400m of client assets. Along the way, he shares candid insights on:

• The practical realities of running a directly authorised business
• Succession planning and the decision to sell to a larger national firm
• Robin’s long-standing involvement in FCA policymaking and regulatory reform
• The impact of Consumer Duty on advice culture
• Adviser technology, platform efficiency, integrations and AI

A thoughtful and wide-ranging discussion for advisers interested in regulation, ethical investing, technology and the future of the financial planning profession.

Subscribe to The Transact Podcast on Spotify and Apple Podcasts and follow Transact on LinkedIn.

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For more information visit our website at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice. All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of The Transact Podcast, Russell Watson, Transact’s Head of Trading Operations sits down with Head of Distribution, Stuart Fleat, for a deep dive into one of the most critical — yet often unseen — parts of the platform: the trading function.

Russell shares insights from his 25 years at Transact, explaining how the trading operation has evolved to today’s highly automated, resilient system capable of handling thousands of trades a day.

Together, Russell and Stuart explore:

• the scale and complexity of Transact’s daily trading volumes
• how aggregation helps drive down exchange trading costs for clients
• automation, messaging, and why reliability and resilience matter more than ever
• Transact’s move to two daily dealing points — and how this improves client outcomes
• best execution, market‑maker competition, and what this means for clients and advisers
• how class conversions and access to restricted/institutional share classes improve value.

This episode lifts the lid on how Transact keeps trading fast, accurate and dependable — all to support better outcomes for advisers and their clients.

Subscribe and follow for more great content on the advice and platform market.

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For more information visit our website at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this tax year end special, Stuart Fleat, Head of Distribution at Transact, is joined by Natasha Walker, Lead Technical Consultant, to share the key planning opportunities anddeadlines advisers need to be aware of before 5 April – effectively the 2 April as the Easter holidays fall early this year.

Together, they cover:

• ISA, LISA and Junior ISA allowances and flexible ISA rules
• Pension annual allowance, carry forward, Money Purchase Annual Allowance considerations, and the  2027 pension changes
• Inheritance tax gifting allowances, Business Property Relief/Agricultural Property Relief updates, and estate-planning implications
• Dividend tax changes, shrinking CGT allowances, and planning for unwrapped assets
• What’s coming soon from Transact: Flexible Reversionary Trusts, chargeable event calculators, and digital improvements
• Key tax year end dates (more info on which can be found in our tax year end guide)

Packed with practical insights, this episode helps advisers prepare clients effectively for a very busy tax year end.

Please see the below summary information from the episode:

• Act early: last working day is 2 April before Easter; flexible ISA replacements must be done by 5 April.
• ISA allowances: £20,000 ISA, £9,000 JISA, and £4,000 Lifetime ISA (check clients nearing age 40). 
• Transact flexible ISA allows in‑year replacement of withdrawals, including adviser/DFM fees. 
• Pension Annual Allowance: £60,000, with carry forward from 3 years — last chance to use 2022/23 £40k AA.
• Exceeding AA triggers a tax charge; scheme pays can be used to settle the charge from the pension. 
• Member pension contributions can reduce adjusted net income and help restore the personal allowance.
• From April 2027, unused pension funds become part of the estate for IHT — review nominations and planning. 
• CGT allowance is £3,000 — opportunity to rebalance or crystallise gains; tools available on Transact.
• Dividend tax increases in April 2026 (10.75% / 35.75%); consider spousal transfers before ex‑dividend dates. 
• Useful tools: gifting log, flexible ISA allowance report, CGT calculator, and chargeable event calculator (2026). 

Listen now and follow on Spotify or Apple Podcasts.

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For more information visit our website at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

Join Transact MPS Manager, Ben Roberts, and BlackRock’s Hugo Thompson, as they explore the increasingly popular world of model portfolio services (MPS). In this episode, we look beyond performance and fees to uncover the deeper factors that determine whether an MPS truly fits a client’s needs.

You’ll learn about:

• Why performance and cost are only the starting point when comparing providers
• The three pillars of MPS assessment: objectives, investment universe, and portfolio management
• The shift toward broader diversification, including alternatives and factor‑based equities
• The importance of dynamic asset allocation in today’s market
• Why clear, simple communication is essential for supporting client understanding

Whether you’re an adviser assessing MPS options or simply curious about multi‑asset investing, this episode offers practical insights designed to help you deliver better outcomes.

Listen now and follow on Spotify or Apple Podcasts.

Don’t forget to follow us on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

For more information visit our website at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of The Transact Podcast, CEO Tom Dunbar sits down with Ashwin Field, Senior Partner at Sydney‑based NMG Consulting, to explore what UK advisers can learn from Australia’s fast‑evolving financial advice landscape.

Whether you’re interested in market structure, client trends, platform strategy or regulation, this conversation offers a rare cross‑market perspective and insight.

Together they unpack:

• how the Australian advice market has shifted through consolidation, regulation and superannuation reforms  
• the impact of Australia’s Royal Commission - and why its consequences still shape adviser behaviour today
• the rise of independent platforms and the critical role of proprietary technology
• how fees, annual consent rules and shrinking access to advice reshaped client relationships
• what UK advisers and platforms should take away from Australia's successes and mistakes.

Listen now and follow on Spotify or Apple Podcasts.

Don’t forget to follow us on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

For more information visit our website at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of the Transact Podcast, host Lee Comer is joined by David Styles, Head of System and Service Development, and Stuart Fleet, Head of Distribution, for an exclusive deep dive into Transact’s 2026 development roadmap.

They unpack key developments including:

• Seamless direct debit mandates for investors and advisers
• Faster deposit matching and automated handling of banking limits
• Digitalisation of onshore/offshore bond wrapper opening and trust onboarding
• New bond withdrawal assessment tool
• Our future-fit approach to APIs and integrations

Tune in to learn more.

Listen now and follow on Spotify or Apple Podcasts.

Don’t forget to follow us on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

For more information visit our website at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of the Transact Platform Podcast, Tom Dunbar sits down with Mark Polson, Founder of The Lang Cat and one of the most respected voices in the UK platform and advice industry.

Together, they unpack the major shifts reshaping the platform landscape — including what really matters when selecting a platform, and why service experience is still the biggest long-term differentiator.

Mark shares deep insights on pricing complexities, cash interest retention, API-driven integrations, and the evolving role of technology in advisers’ ecosystems. They also explore the next big opportunity for advice firms: preparing for intergenerational wealth transfers and a new type of client.

Whether you’re an adviser, paraplanner, ops lead or simply interested in the future of the UK platform market, this insightful conversation is packed with practical perspective and industry expertise.

Listen now and follow on Spotify or Apple Podcasts.

Don’t forget to follow us on ⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠⁠⁠⁠

For more information visit our website at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

Join Tom Dunbar, Chief Executive Officer of Transact, and Andrew Cullen-Jones, Chief Development Officer, as they unpack the trends, challenges and opportunities shaping the world of financial planning, intergenerational wealth management and advice.

Tom and Andrew have an honest conversation about the highs and lows of 2025, developments for the year ahead and announce Unification Day – a development that will unify Transact’s existing integration capability under a single future-fit API. Plus, they’ll discuss why advice firms should be mindful of platforms retaining cash interest, disclosure and the effective cost to clients.

Expect candid conversations, practical insights, and first‑hand perspectives from inside one of the UK’s leading adviser platforms.

Listen now and follow on Spotify or Apple Podcasts.

Don’t forget to follow us on ⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠⁠⁠

For more information visit our website at: ⁠⁠⁠⁠⁠⁠⁠⁠ https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠⁠⁠

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode, Tom Dunbar (CEO of Transact) sits down with Richard Brian, Managing Director of Curo, and Joanna Roddis, Head of Client Success, to explore the evolution of Curo and its new Power Platform proposition. They discuss why Microsoft’s Power Platform is a game-changer for adviser firms, how Curo delivers deep integration with Microsoft 365, and what this means for security, data control, and adviser efficiency.

Plus, hear about the cultural shift at Curo, its commitment to service excellence, and Transact’s vision for creating seamless technology ecosystems for financial advisers.

Listen now and follow on Spotify or Apple Podcasts.

Don’t forget to follow us on ⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠

For more information visit our website at: ⁠⁠⁠⁠⁠⁠ https://www.transact-online.co.uk⁠⁠⁠⁠⁠⁠

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of the Transact Podcast, Integrations Manager, Tom Phillips, sits down with Robin Bevan, CEO of Sprint, and Nick Eatock, Co-Founder of Intelliflo, to explore two powerful new apps for financial advisers:

• Transact Income Statement App

• Contributions & Withdrawals Compare App

Discover how these integrations automate manual processes, reduce risk, and improve data accuracy between Transact and Intelliflo systems. Learn why accurate data is critical for reporting, compliance, and even future AI adoption.

Listen now on Spotify or Apple Podcasts and stay ahead with smarter workflows.

Don’t forget to follow us on ⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠

For more information visit our website at: ⁠⁠⁠⁠⁠ https://www.transact-online.co.uk⁠⁠⁠⁠⁠

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

Following what has been the most eagerly awaited budget of recent years, join Transact’s Head of Technical Services, Mark Fenlon, and Technical Counsel, Brian Radbone, as they unpack the key announcements from Chancellor Rachel Reeves’ Autumn Budget on 26 November. From frozen income tax thresholds, changes to pension salary sacrifice and ISA rules, to new property levies, and changes to dividend taxation, we’ll explore what these measures mean for financial advisers and their clients. Expect clear insights, practical implications, and expert commentary to help you navigate the new tax landscape.

Don’t forget to follow us on ⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠ and ⁠⁠⁠⁠X⁠⁠⁠⁠

For more information visit our website at: ⁠⁠⁠⁠ https://www.transact-online.co.uk⁠⁠⁠⁠

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode, Lee Comer, Video Production Manager is joined by David Styles, Head of System and Service Development, and Stu Fleat, Head of Distribution, to share the latest updates from Transact’s November release. Discover how we’re making financial planning easier with new features like online special pension beneficiary nominations, the ability to delete pending transactions, and enhanced transfer reporting. Plus, learn about improvements to drawdown options, upcoming multi-factor authentication for investors, and how we’re automating processes to save time for advisors. Tune in for a quick, practical update on the changes that matter most to you.

Don’t forget to follow us on ⁠⁠⁠LinkedIn⁠⁠⁠ and ⁠⁠⁠X⁠⁠⁠

For more information visit our website at: ⁠⁠⁠ https://www.transact-online.co.uk⁠⁠⁠

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

Join Mark Fenlon, Head of Technical Services at Transact, and Brian Radbone, Technical Counsel, as they dive into the big debate ahead of the Chancellor’s Autumn Budget. From National Insurance changes to potential reforms in ISAs, pensions, and inheritance tax, this episode explores the rumors, the rationale, and what advisers should be watching closely. Will we see alignment of CGT and income tax rates? Could lifetime gifting limits reshape estate planning? And what about the future of salary sacrifice and tax-free cash? Tune in for expert insights and practical considerations before the big day on 26 November. Listen and follow now!

Our post Budget episode will reflect on the actual changes.  

Don’t forget to follow us on ⁠⁠LinkedIn⁠⁠ and ⁠⁠X⁠⁠

For more information visit our website at: ⁠⁠ https://www.transact-online.co.uk⁠⁠

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode, Lee Comer,  Transact Video Production Manager, is joined by David Styles, Head of System and Service Development, and Stu Fleat, Head of Distribution, to explore the latest enhancements to Transact Online. They discuss the foundations of Transact’s in-house development team, who focus solely on Transact’s proprietary technology, and how it enables rapid, adviser-driven innovation. Plus, they share highlights from recent releases - including digitalisation of pension drawdown, bond application automation, and multi-factor authentication.

You’ll also hear how feedback from advisers directly shapes the development roadmap and get a sneak peek at upcoming improvements like trust applications online, bond withdrawals, and faster deposit matching.

Whether you're an existing user or just curious about how Transact is making financial planning easier, this episode is packed with insights.

Don’t forget to follow us on ⁠LinkedIn⁠ and ⁠X⁠

For more information visit our website at: ⁠ https://www.transact-online.co.uk⁠

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of the Transact Podcast, host Andrew Cullen-Jones is joined by Jane Isaac (Chief of Platform Custody Operations) and Stuart Fleat (Head of Distribution) to explore the role of cash in financial planning. They discuss why cash matters, how it’s managed on platform, and the different options available to advisers —from platform cash accounts and term deposits to money market funds and cash hubs.

The team also touches on interest rates, regulatory scrutiny, FSCS coverage, and operational resilience.

A practical and eye-opening conversation for advisers looking to make the most of cash in client portfolios.

Don’t forget to follow us on LinkedIn and X

For more information visit our website at:  https://www.transact-online.co.uk

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of the Transact Podcast, Andrew Cullen-Jones is joined by Gill Marples, IntegraLife International CEO, to explore the role of offshore bonds in financial planning. They discuss how the offshore bond market has evolved, the impact of UK tax changes, and why Transact’s integrated approach offers a unique advantage.

Gill also shares insights into the Isle of Man’s position as a centre of excellence, upcoming digital developments, and how offshore bonds are helping advisers navigate inheritance tax and pension reform.

A smart listen for anyone advising on trusts, pensions, andinheritance tax planning.

 Don’t forget to follow us on LinkedIn and X

For more information visit our website at:  https://www.transact-online.co.uk

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode Mark Fenlon and Brian Radbone return to unpack the evolving role of investment bonds in financial planning. From their early days in the 1980s to their modern use in tax-efficient strategies. Mark and Brian explore how bonds have changed, why interest in them is rising, and what makes them such a versatile tool for advisers and clients alike.

They cover key differences between onshore and offshore bonds, explain how life assurance structures affect tax treatment, and discuss the impact of recent changes to Capital Gains Tax and dividend allowances.

A thought-provoking conversation for financial professionals navigating tax planning solutions for their clients.

Don’t forget to follow us on LinkedIn and X

For more information visit our website at:  https://www.transact-online.co.uk

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode of the Transact Podcast, host Andrew Cullen-Jones chats with Damien Francis (Chief Technology Officer) and Eoin D'Arcy (Head of Information Security) about some of the big cyber security challenges facing financial services today. The conversation dives into topics such as ransomware, phishing, and the growing importance of Multi-factor Authentication (MFA). 

They also discuss how firms are approaching cyber resilience and highlight key considerations for managing technology risk in an increasingly interconnected digital environment. 

A useful and engaging conversation for financial professionals navigating digital transformation.

Don’t forget to follow us on LinkedIn and X

For more information visit our website at: https://www.transact-online.co.uk

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, or legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode, Integrations Manager Tom Phillips is joined by Sim Sangha, Co-founder and Business Development Director at moneyinfo, to explore how integrations are reshaping the UK financial advice market. Sim explains the role of APIs in reducing friction across the adviser ecosystem, and how client portals interact with platforms to drive efficiency and generate cost savings.

They discuss the impact of automated account opening, the progress made so far, and what motivates advisers to adopt integrated solutions. Looking ahead, Sim shares what’s next on the development horizon, with a focus on giving advisers greater control and flexibility to operate in ways that suit their business.

A practical and insightful conversation for financial professionals navigating digital transformation.

Don’t forget to follow us on LinkedIn and X

For more information visit our website at:  https://www.transact-online.co.uk

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode, Mark Fenlon (Head of Technical Services) and Brian Radbone (Technical Counsel) unpack the impact of recent budget changes on pensions and inheritance tax (IHT). They explore options for wealth transfer, the implications of upcoming IHT reforms, and planning options that advisers can use to support clients.

The discussion also covers the role of trusts, trust registration requirements, investment bonds, and business property relief in managing intergenerational wealth. With strategic insights this episode is essential listening for financial professionals navigating today’s evolving tax landscape.

Don’t forget to follow us on LinkedIn and X

For more information visit our website at:  https://www.transact-online.co.uk

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own.

In this episode, Chief Development Officer Andrew Cullen-Jones sits down with new CEO Tom Dunbar to unpack Transact’s strategic priorities and vision for the future. Tom shares insights into platform integrations, in house software development, and enhancing the financial planning experience for advisers.

They explore the launch of the Transact Podcast, the drive toward digitalisation, and the goal of building a more efficient adviser ecosystem. Tom also discusses how Transact supports professionals with trusts, bonds, and gifting strategies in light of last year’s budget changes. Other key topics include cash interest, Consumer Duty, platform oversight, and the growing influence of consolidators and private equity in the industry.

A must listen for keeping up to date with all things platform.

Don’t forget to follow us on LinkedIn and X.

For more information visit our website at:  https://www.transact-online.co.uk

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment,  legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own and do not represent the views of Transact. 

We're excited to introduce the brand new Transact podcast, bringing you the latest insights, updates and conversations that matter to you!

Hosted by our very own Transact colleagues and special guests, each episode is short and relevant for easy listening on the go.

Don’t forget to follow us on LinkedIn and X.

For more information visit our website at:  https://www.transact-online.co.uk

For adviser use only.

This podcast is provided for advisory professionals only. This podcast is for general information purposes only and does not constitute financial, investment, legal, regulatory, tax or any other advice.  All information is based on our understanding and interpretation of applicable law and regulation, which is subject to change. While we strive to ensure accuracy, we make no guarantees regarding the completeness or reliability of the content. The views of third parties are their own and do not represent the views of Transact.