Adeptli's Podcast

In this episode of the Adeptli Podcast, we’re joined by Alex Kell, Chartered Financial Planner and Principal of Quayside Wealth Management, to explore what it really takes to build trust with clients.Alex shares his journey into financial advice, the lessons he learned from changing careers, and why client relationships should be built around people, not products.Together, we discuss credibility, client trust, handling difficult conversations, and why good financial planning often starts long before any recommendation is made.This is an open and practical conversation about advice, relationships, responsibility, and how honesty helps clients make better decisions.

In this episode, Jamie is joined by Adeptli co-founder Dave and retirement planning expert Andrew Stokes to explore one of the most significant upcoming planning changes facing advisers and clients.From April 2027, unused pension funds and death benefits will form part of an individual's estate for Inheritance Tax purposes. While the headlines have focused on the tax implications, the reality is far more nuanced.The discussion explores what is actually changing, which clients are most likely to be affected, and why many of the solutions being discussed may not be as straightforward as they first appear.The conversation covers:What the April 2027 changes really mean in practice Why there may not be a single "right answer" for clients The relationship between retirement planning and estate planning Common misconceptions around pensions and Inheritance Tax The risks of acting too early…and the risks of waiting too long How advice firms should be preparing advisers and clients A practical and thought provoking discussion that challenges some of the assumptions currently emerging around pensions and Inheritance Tax planning.

Episode description - In this first episode of the Adeptli Podcast, Jamie and Julia are joined by Andrew Stokes, who spent over 40 years in retirement planning, including around three decades as Head of Pensions at St. James’s Place. Andrew has recently retired himself, giving him a rare view of retirement planning from both sides: as a technical expert and as a retiree. The conversation explores the human and technical realities of retirement, including identity, purpose, tax free cash, drawdown, ISAs, DB pensions, state pension assumptions, client engagement and the importance of holistic planning. An honest and practical discussion on why good retirement planning is about far more than pensions alone.