Adviser 3.0: The Podcast

The triple lock is costing us 7% of GDP by 2070. Advisers are overpaid, or are they? And your money personality was probably set before you turned 10.In this episode of SoapBox, Matt Pitcher and Abraham Okusanya are joined by Sarah Roughsedge, founder of Eva Wealth and author of Smart Money, Strong Women, for a wide-ranging conversation that pulls no punches.They dig into the Tony Blair Institute's radical proposal to scrap the state pension as we know it, replacing it with a flexible Lifespan Fund, and whether that is bold policy or political fantasy. Then the debate turns closer to home: are financial advisers actually overpaid? Matt and Abraham put themselves in the dock, and the answer is more nuanced than you might expect. From Ferrari-driving advisers to the growing wave of breakaway firms leaving the big consolidators, this one gets spicy.Sarah then walks us through the ideas behind her book, five money archetypes that shape how we think, feel, and act around money, and why understanding yours might be the most important financial move you ever make.We close with a bright note from Abraham: UK investors are finally coming back to the equity markets after the longest selling streak Calastone has ever recorded.Topics covered:The triple lock, the Lifespan Fund and the fairness problem with state pensionAre advisers worth £100k a year?Breakaway firms and the entrepreneurial case for going independentSmart Money, Strong Women: the 5 money archetypes and why they matterUK investors return to equitiesListen on Spotify, Apple Podcasts or watch on YouTube.

Ed Dymott, CEO of Benchmark Capital, joins Abraham Okusanya to challenge the logic behind a decade of advice firm consolidation. The old playbook of buying IFA practices cheap and selling the whole thing at a premium was never as clever as it looked, and the cracks are showing. Ed and Abraham dig into the breakaway adviser trend, why planners are leaving consolidators and private banks alike to build their own businesses, the role of AI as a copilot rather than a replacement, and what the profession looks like when it finally grows up and sits alongside law and accountancy. A candid, wide-ranging conversation with one of the most influential operators in UK financial planning infrastructure.

What does it mean to own "the whole market" when parts of it make you uncomfortable? Dominic Thomas, founder and principal of Solomon's IFA, joins Abraham to challenge some of the orthodoxies of financial planning. A fee-based adviser since 1999 -- more than a decade before RDR made it fashionable -- Dominic has built a tight, intentional family firm in Cobham with ethics and relationships at its core.In this conversation, Dominic and Abraham go head to head on index investing and capital concentration, the discomfort of owning companies you disagree with, wealth inequality and whether capitalism is working, US political dominance and what it means for portfolio allocation, the role of AI in advice, and how to help clients define "enough."Honest, wide-ranging and genuinely provocative.

What if retirement is not the reward you think it is?In this episode, Dan Haylett joins the show to challenge one of the biggest assumptions in financial planning. That retirement is a destination. A number. A finish line.Drawing on his work with clients and insights from his book, Dan explains why so many people reach retirement only to feel lost, lacking purpose, and unsure what comes next.This conversation goes beyond money. It explores identity, structure, meaning, and the real role of financial planners in helping clients navigate the second half of life.If you work in financial advice or are planning your own future, this episode will change how you think about retirement.We cover:Why retirement is often a letdown after years of planningThe problem with focusing only on “the number”Why retirement is a human problem, not a maths problemHow to help clients find purpose beyond workThe future of financial planning and why it must evolveConnect with Dan: https://www.humansvsretirement.com/

Matt Pitcher and Abraham Okusanya are back on the Soapbox with no guest, no filter, just two advisers getting into the numbers that matter.This episode they dig into the Dimson, Marsh & Staunton Global Investment Returns Yearbook 2026 and the Bessembinder paper, and the findings are uncomfortable. In 1900, railroads made up 63% of the US market. Today, less than 1%. Yet they still outperformed. 59% of individual stocks will lose you money over their lifetime. The median stock return is negative. And yet the market has created $91 trillion of wealth. The case for buying the haystack has never been stronger or more ignored.Then Matt takes on the great wealth destroyers: active managers quietly costing clients half a million pounds, lifestyling in pension schemes that should have died with the annuity era, risk profiling tools nudging clients into less equity than they need, and the £2.2 trillion sitting dead in UK bank accounts shrinking in real terms while advisers watch on.Blunt, data-heavy, and genuinely useful for any adviser who wants the arguments and the evidence in one place.Resources mentioned:Bessembinder Paper: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=6438198DMS Yearbook 2026 Summary: https://www.ubs.com/global/en/investment-bank/insights-and-data/articles/global-investment-returns-yearbook-2026.htmlFCA Trail Commission Review: https://citywire.com/new-model-adviser/news/fca-to-review-674m-adviser-trail-commissions/a2486582📩 Review and screenshot it to Abraham on LinkedIn for a free copy of Nick Murray's This Time Is Different

Chris Palmer’s career didn’t start in financial services, and it nearly didn’t happen at all.From the Navy to banking during the financial crisis, Chris worked his way into financial advice before making a move that would define his career: buying into the firm he joined.In this episode, Chris shares his journey from employee to owner, the realities of equity and progression, and what it takes to build a business that lasts.We also explore the challenges facing independent firms today, the pressure of regulation, and why true independence still matters in financial advice.A must-listen for advisers thinking about ownership, succession and long-term career progression.

In this episode, we’re joined by Brian Hill, founder of Pathfinders and author of Everyone Exits: You’re Either Bought Out, Pushed Out, or Wheeled Out®Brian shares what really happens when financial planning firms go to market and why many advisers are not prepared to sell. We explore valuation, buyer behaviour, and the most common mistakes that reduce deal value.The conversation covers the gap between confidence and competence, the impact of unprofitable client segments, and why exit planning should start far earlier than most firms expect.A must-listen for advisers thinking about succession, growth, or selling their business.

In this episode, David Gibson, Managing Director of Gibson Financial Planning, joins the podcast to discuss how mindset, values and purpose influence the growth of a financial planning business.David shares how his firm evolved from a transactional advice model to a relationship-led financial planning practice built around long-term client work. Today the majority of the firm’s revenue comes from existing clients and ongoing relationships. The conversation explores the self-limiting beliefs that often hold advisers back, particularly the fear that growing a business means sacrificing lifestyle, family or personal wellbeing.David explains how confronting those beliefs reshaped his thinking and reignited his ambition for the firm.We also dive into one of the most challenging aspects of advice: helping clients move from saving and accumulating wealth to actually enjoying it.For advisers thinking about growth, impact and what financial planning is really about, this episode offers a thoughtful perspective on the role mindset plays in building both a successful firm and a meaningful career.

You Built It. Can You Afford to Sell It?In Episode 126, Louise Jeffreys joins the show to discuss M&A, valuations and the market forces reshaping financial planning.We explore what firms are actually selling for, how buyers assess value, and why succession should begin years before an exit is agreed. Louise explains the difference between buy-side and sell-side models, the role of private equity in consolidation, and the importance of cultural fit over headline price.We also discuss the emotional side of selling, the risks that derail transactions, and what the next phase of the advice profession may look like.If you are building a firm today, this is a conversation about the future.

Financial Advice at the AI Crossroads: Empathy, Expertise, and Human Touch in the Agentic EraIn this episode of Soapbox, Matt, Abraham and Philippa Hann explore the evolving role of artificial intelligence in financial services.They examine whether AI challenges the empathy advantage of human advisers, the potential risks to entry-level roles, and the importance of protecting new professionals from scams. The discussion also addresses the debate around qualification standards and the persistent myth of market concentration risk.A thoughtful conversation about how the profession adapts to technological change without compromising trust, competence and human judgement.

What does it look like to build a financial planning firm that is not designed to be sold?In this episode, Abraham sits down with Andy Hounsell, Managing Director of Beyond Finance, to explore stewardship over ownership, leadership beyond control, and why succession should start far earlier than most advisers think.Since taking over the business in 2015, Andy has reshaped the firm around long-term responsibility rather than short-term valuation. A significant proportion of profits are committed to a charitable trust. An employee share scheme allows the team to participate in dividends. And the ownership structure is being designed to ensure the firm transcends its founder.This is a conversation about:Designing a firm to outlast youMoving from manager to multiplierTaking risks to unlock real growthSharing equity and responsibility with your teamPlanning for generations rather than an exitIf you are building a business you want to endure, not simply monetise, this episode will challenge how you think about leadership, ownership and scale.

In Episode 124 of Adviser 3.0, we are joined by Ian Dempsey to explore what it really takes to build a modern advice business.From going independent and finding his voice, to using content with intent rather than chasing followers, Ian shares a grounded perspective on growth, credibility, and control. He explains why independence brings responsibility, why audience size is often misunderstood, and why behavioural coaching has become a core part of how he adds value to clients.This is a practical conversation for advisers thinking seriously about independence, visibility, and how to build a business that lasts without losing focus on what matters.

In this episode of Adviser 3.0 The Podcast, Abraham is joined by Ashton Chritchlow, Managing Director and owner of IFC Max, to unpack one of the rarest outcomes in financial advice: internal succession that genuinely works.Ashton shares his full journey, from joining the firm in 2008 with no industry experience, to remortgaging his home to buy equity, taking on the role of Managing Director, and completing a successful management buyout.The conversation explores what separates employees from owners, why most succession plans fail, and what founders must do if they want their firm to outlive them. This is a practical, honest discussion about leadership, accountability, legacy, and the long game of ownership in financial advice.A must listen for founders thinking about succession, advisers aiming for ownership, and firms navigating growth without losing independence.

In this episode of Adviser 3.0 The Podcast, we are joined by Sasha Wakefield, founder of The Paraplanner Project, to explore what growth really looks like behind the scenes of a modern advice business.Sasha shares her journey into paraplanning, how she built an outsourced business model around collaboration and trust, and why growth quickly becomes a leadership challenge rather than a technical one. She speaks candidly about employing a remote team, managing capacity without predictable income, and the pressure that comes with being responsible for other people’s livelihoods.The conversation also covers the evolving role of paraplanners, the stigma that still exists around outsourcing, how firms are responding to AI, and why curiosity and asking better questions matter more than titles or qualifications. Sasha also reflects on leadership during major life changes, including shared parental leave and stepping back from day-to-day delivery without compromising service or culture.This episode is essential listening for advisers, firm owners, and leaders thinking seriously about growth, delegation, and building businesses that scale without losing quality or trust.

SoapBox Ep.3 - Passive Investing Didn’t Break Markets, It Exposed Active ManagementHosts Abraham and Matt are joined by Carla Brown, President of the Personal Finance Society, for an unfiltered discussion on markets, behaviour and the realities of modern financial advice.The episode explores why UK investors continue to exit equity markets at the worst possible moments, even during periods of strong performance, and what this reveals about confidence, communication and access to advice.The conversation also covers active versus passive investing, loyalty to underperforming managers, and the growing tension between evidence and narrative. Alongside this, the panel addresses the advice profession’s succession problem, the ageing adviser population, and why attracting new talent has become a defining issue for the future of advice.

In the episode of Adviser 3.0: The Podcast, we speak with Alasdair Walker, Managing Director and owner of Optimum Financial Planning, about the conversation most firm owners delay for too long: ownership and control.Alasdair shares his full journey from trainee adviser to completing a management buyout, offering rare insight into how internal succession actually works in financial planning firms. He explains why early equity alignment matters, how unclear ownership expectations create long-term risk, and why many firms default to selling when succession planning is avoided.The discussion also explores founder transitions, trust between generations, and what firm owners need to understand about incentives, transparency and long-term value. Later in the episode, Alasdair shares his perspective on AI adoption in financial planning, including where technology adds value and why it cannot fix poor structure or unresolved ownership issues.This episode is essential listening for financial advisers, firm owners, principals and next-generation leaders thinking seriously about succession, equity and the future of their business.Topics covered:Financial planning succession and ownershipManagement buyouts and internal successionFounder transitions and controlSelling versus long-term independenceAI adoption in advice firms

In this episode of Adviser 3.0 The Podcast, we sit down with psychologist and human optimisation specialist Ross Anderson to explore how high performers approach growth.Ross unpacks the relationship between mind, performance and behaviour, challenging the idea that growth is driven by motivation alone. Drawing on psychology, behavioural science and lived experience, he explains why sustainable performance starts with awareness, strong foundations and better decision making.The conversation explores how high performers think differently about growth, why behaviour matters more than intention, and how clarity and structure support long-term performance.Ross will also be joining us on the road in 2026 as part of the Timeline Growth Series, where he will be sharing these ideas live with advisers across the UK.This episode is a grounded discussion for professionals who want to grow with intent, consistency and resilience.

A clear and practical conversation with Will Webber on resilience, networks and the habits that support sustainable growth across fintech.Will shares lessons from the military, BlackRock and professional services, covering mindset, commercial development, community building and the future of the sector.

In the episode of Adviser 3.0 The Podcast, the familiar SoapBox duo return with a new guest who has deep experience across advice, technology and consumer behaviour. The conversation opens with the FCA’s attempt at gamified education, the reaction to recent budget speculation and the impact of changes to VCT incentives and salary sacrifice rules. From there the trio take apart the realities of AI inside large organisations and why so much investment fails to reach production.They explore how the advice gap may evolve, how future clients will expect to interact with advice and what the profession needs to consider as digital journeys scale. The session ends with a clear eyed assessment of pension transfer delays and the providers still operating with outdated processes.A lively, insightful and highly relevant discussion for advisers, planners, firm owners and anyone keeping an eye on the future of the profession.

David Jones, outgoing Vice President and head of the UK and Ireland advisor group at Dimensional, joins Abraham to reflect on over two decades of change within the financial planning profession. He discusses the shift from product-focused advice to a holistic planning model that centres on clients’ goals, values and long-term wellbeing.David shares his views on the apparent plateau in the number of practising planners, why younger professionals are bringing new energy into the field, and how technology and AI may reshape both the work and expectations of planners. He also offers practical insights on what sets successful firms apart, from simplification to consistent implementation and clear communication.As he looks ahead to his own next chapter, David speaks openly about legacy, leadership, purpose and the value of good planning in helping clients live fulfilled lives. This is a reflective and encouraging conversation for anyone interested in the future of the profession.

In this first SoapBox session, Abraham sits down with two industry voices to explore the figures behind adviser decline, the realities of client disengagement, the influence of consumer duty, and what the latest FCA data reveals about firms, revenue and capacity. From service models and profitability to the future of talent and technology, this episode explores the questions the profession cannot ignore. If you work in planning, paraplanning, compliance or leadership, this session offers thought-provoking insight into where the sector stands and what may come next. Listen to the full discussion and stay tuned for future SoapBox sessions.

In this episode, Abraham Okusanya sits down with Laurentius van den Worm, Head of Investment Strategy at Timeline, for a deep dive into the thinking behind global market cap weighting. They explore whether global equity investing still makes sense in a world where the US dominates, discuss behavioural biases that influence allocation decisions, and unpack the role of the so-called “Magnificent Seven” companies in shaping global returns.Laurentius shares insights on why global market cap remains a powerful equilibrium point, how profitability and value factors play into long-term performance, and what investors can learn from market concentration, currency risk, and diversification. It’s a thoughtful conversation on the collective wisdom of markets and what it really means to be a global investor.

In this episode, Abraham Okusanya speaks with David Morrey, Partner at Grant Thornton and one of the UK’s leading experts on financial services regulation.David helps advisers make sense of the ever-changing regulatory landscape — from consumer duty and ongoing advice to the FCA’s growth agenda and the rise of targeted support. He explains how the regulator’s tone has shifted, why flexibility is now part of the FCA’s toolkit, and what firms can do to stay ahead without losing focus on good client outcomes.They explore how advisers can evidence value, manage fair value assessments, and prepare for greater scrutiny in the years ahead. David also shares insights on consolidation, private equity involvement in the sector, and how firms can navigate these pressures while building sustainable advice models.If you want to understand how regulation is evolving — and how to thrive within it — this conversation is essential listening.

Financial storytelling is not about numbers. It is about meaning.In this episode, Mike LeGassick joins us to explore how advisers can use stories, metaphors and even props to help clients truly understand their money. From crystal balls to noise-cancelling headphones, Mike shares the tools he uses to make complex ideas clear, relatable and human.We also talk about building trust through communication, why emotions matter more than spreadsheets, and how advisers can inspire confidence rather than confusion in every client conversation.🎙️ Guest: Mike LeGassick, author of The Art of Storytelling for Financial Advisers💡 Topics: storytelling in finance, client communication, behavioural advice, purpose driven planning

In this episode, Kate sits down with Samantha Challis, founder of Another View Financial Services. Samantha shares how redundancy turned out to be the best thing that ever happened to her, giving her the chance to reinvent herself and create a business built on authenticity, trust, and family values.From her early career at Barclays to launching her own firm, Samantha explains why being present for her son was the biggest driver behind her success. She discusses how offering her time freely has helped build long-term client relationships, why she sees her clients as friends, and how focusing on culture over money leads to sustainable growth.This is a powerful conversation about resilience, staying true to your values, and why putting people before products transforms both clients and businesses.

In this episode of Advisor 3.0 The Podcast, Abraham sits down with Tom Morgan, founder and managing director of Orca Wealth, to explore how financial planning can create meaningful impact in clients’ lives.Tom shares his journey from breaking into the advice profession after RDR, to building his own firm with his wife Emily, and why the book Die With Zero reshaped his philosophy. They talk about the challenges of starting out in financial advice, building a client-centred firm that values personal connection and meaningful outcomes, why retirement should be planned in seasons, how to help clients shift from accumulation to purposeful spending, and rethinking legacy, generational wealth, and how money can be a tool for life fulfilment.This conversation is packed with insights for advisers who want to go beyond products and investments, and instead help clients live fully, with confidence and clarity.

In this episode of Advisor 3.0, Kate sits down with Shadi Kirk, co-founder of Transform Financial Planning. Shadi shares her journey from studying chemistry and working at the Financial Times to building a financial planning business with her husband Angus.We talk about the rebrand from Bridge Investments, the importance of putting client relationships at the heart of advice, and how aesthetics, processes, and even colour choices can shape trust. Shadi also opens up about the challenges of losing a key team member, working with mentors to rebuild, and how financial planning is evolving with coaching and technology.This is an inspiring conversation about resilience, transformation, and the real meaning of financial planning.

Live from Adviser 3.0 2025, marketing powerhouse Samantha Russell, Chief Evangelist at FMG, shares the secrets behind today’s fastest-growing advice firms. From Answer Engine Optimisation to Google Reviews, LinkedIn and YouTube, this keynote is your step-by-step guide to scaling with clarity, connection and confidence.In this episode, you’ll discover:• How AI is transforming how clients find advisers• Why Google Reviews are your ultimate digital referrals• Smart content ideas that grab attention• The top platforms for adviser marketing success• How showing your face speeds up trustFor more insights, visit adviser3point0.co

In this special summer episode from Adviser 3.0 2025, psychologist and wealth expert Dr. Daniel Crosby returns to discuss how advisers can create deeper, more meaningful relationships with clients.He explores why people often feel unfulfilled despite financial success, and how advisers can help reconnect their clients to purpose, gratitude and wellbeing.This episode includes insights on:Why emotional connection matters more than technical skillsHow behavioural coaching adds long-term valueThe role of purpose and generosity in financial planning Share your thoughts with us and leave a review wherever you listen.

In this episode, Abraham sits down with James Mackay and Chris Hindle, co-founders of Frazer James, a modern financial planning firm with a mission to reshape how young professionals engage with their finances.James and Chris share the story behind Fraser James — from the early days of launching their business to navigating the realities of entrepreneurship in a competitive industry. They open up about the challenges of building a client base, growing a team, and the strategic use of content and digital marketing to reach their audience.The conversation dives deep into the mindset of younger entrepreneurs in the financial sector, the importance of minimising regret in career choices, and how meaningful client relationships are built through honest, early conversations. James and Chris also reflect on the lessons they’ve learned, the importance of patience in hiring, and their vision for making a lasting impact in the financial planning space.Whether you’re a financial professional, aspiring entrepreneur, or simply curious about how modern businesses grow and adapt, this episode offers valuable insights and inspiration.

What happens when a 22-year-old property agent stumbles into financial planning and builds a £25 million business by 30? In this episode, host Kate Phillips speaks with Frankie Smith, founder of Frankie’s Wealth Management, about how she is disrupting the industry with a community-first approach. Frankie shares how she doubled her assets in a year, hired people from outside the profession to challenge the norm, and partnered with luxury brands like Boodles. She also opens up about grief, resilience and why the financial advice profession needs a shake-up. A must-listen for anyone rethinking what success looks like.

In this special episode of Adviser 3.0, host Abraham sits down with Vanguard legend Fran Kinniry for an exclusive look at one of financial services' most remarkable growth stories. With three decades at Vanguard's heart, Fran witnessed the firm's explosive journey from £300 billion to a $10 trillion global powerhouse.Should advisers worry about the Magnificent 7's market dominance? Is America's 65% share of global equities sustainable? And why did the index fund pioneer venture into private equity? Fran tackles today's biggest questions from inside the engine room.We explore Vanguard's evolving stance on active management, the golden age of financial advice, and how planners can capture the full value of behavioural coaching beyond market volatility. Plus, Fran reveals what's in his retirement portfolio and what Jack Bogle might think of Vanguard at 50.Essential listening for any serious financial planner navigating today's markets.

Ever wondered what it takes to run a financial planning firm across two continents? In this compelling episode of Adviser 3.0, we sit down with Simon Harvey, founder and owner of BDH Sterling, who has built something truly unique in our industry.From a single boutique firm helping UK clients move to Australia, Simon has created a powerhouse operation with 50 team members across three offices (Epsom, Sydney, and Perth), managing £500 million in assets for over 1,200 families.

In this episode, host Kate Phillips chats with Lisa Johnstone of VWM Wealth about her inspiring journey from paraplanner to Managing Director through a management buyout. Discover how Lisa navigated the challenges of business ownership, succession planning, and the impact of COVID. A must-listen for financial advisers, paraplanners, and anyone interested in the future of financial planning.

In this episode, Sarah Roughsedge, Chartered Financial Planner and founder of Eva Wealth, shares her journey from neuroscience to finance, and why she’s on a mission to change how women experience financial advice. She opens up about building Clarus Wealth with her husband, launching Eva to meet women’s unique financial needs, and challenging traditional models of financial planning.We dive into the gender wealth gap, the importance of financial education and community, and how Eva Wealth is reshaping the conversation around money—one woman at a time.

On this episode of Adviser 3.0, Abraham Okusanya sits down with Phil Bray, founder of The Yardstick Agency — the go-to marketing expert for financial planners. Together, they dive into what really works when it comes to marketing your advice firm in 2025 and beyond.

In this episode, Emmelia Powell opens up about her journey into financial planning, offering a candid look at the highs and lows of building a career while raising a family. She delves into the unique financial pressures faced by professional athletes, shining a light on the concept of "social debt"—the often invisible burden of success, especially for those who rise quickly in their careers.Emmelia also shares her insights on client engagement, the importance of resilience, and the realities women face in the financial advisory industry. From breaking into a competitive field to redefining her own path, she reflects on the lessons she's learned and the power of staying curious in the face of uncertainty.

What does financial planning look like when your entire career might be over by 30? In this episode of Adviser 3.0, Abraham Okusanya sits down with Patrick Foley—founder of Sonar Financial Services and specialist adviser to elite footballers—for a rare behind-the-scenes look into the world of money, mindset, and management in professional sport.From million-pound mortgages and early retirements to family dynamics and locker room whispers, Patrick reveals why working with athletes requires more than spreadsheets—it demands trust, empathy, and a deep understanding of life in the spotlight.Whether you're a planner, a football fan, or just fascinated by how high performers manage their wealth, this is an episode you won’t want to miss.#adviser3point0 #podcast #football #eliteathletes #financialadvice

What does it mean to be truly wealthy? In this episode, Dr. Daniel Crosby explores the deep connection between money, meaning, and happiness—revealing why real wealth goes far beyond financial accumulation. He discusses how human behavior shapes financial decisions, the evolving role of financial advisors, and the impact of societal comparisons on personal fulfillment. Drawing insights from his book, The Soul of Wealth, Dr. Crosby shares why aligning financial goals with personal values and relationships is essential for a richer, more meaningful life. Tune in for a thought-provoking conversation on redefining wealth and finding true financial well-being.Find out more about the podcast and browse additional episodes ⁠here.

In Episode 101, Abraham Okusanya interviews Chirine Harb, COO of Capital Asset Management, a financial planning firm managing over £500 million. This episode is a deep dive into operational excellence, leadership, and client-focused success. Chirine shares her journey from architecture and Harvard to building a thriving business, including the importance of trust (especially in CEO/COO relationships), efficiency hacks for growth, and her inspiring definition of true wealth. She also offers advice to her younger self and her vision for the future.Find out more about the podcast and browse additional episodes here.

Financial planning often focuses on one side of the client’s balance sheet—assets, savings, investments, and retirement planning. But true holistic planning means looking at the full picture—including lending.In this episode, we dive into Lombard lending with David Newman, founder and CEO of Firenze. David shares his journey from wealth management to building a platform that makes Lombard lending more accessible for advisers and their clients. We explore the fundamentals of Lombard lending, its strategic role in liquidity and risk management, and how technology is reshaping wealth management.Join us to discover how integrating Lombard lending into your practice can unlock new opportunities and enhance your clients’ financial strategies.

In this episode of the Adviser 3.0 Podcast, Kate Phillips sits down with Emma Napier, a leading industry expert at Next Wealth, to discuss her extensive journey in the financial services sector. Emma takes us through her early days in insurance, the challenges of navigating regulatory changes like RDR, and her time working with platforms such as True Potential and Bravura. With a wealth of experience across various roles, Emma shares valuable insights on the evolving landscape of financial advice, from firm consolidation to the impact of technology. Join us for an engaging and insightful conversation that sheds light on the real-world challenges advisers face today, and why staying adaptable is key to success in the industry.

Every financial adviser will face the inevitable decision to exit their business, but how do you ensure it’s on your terms? In this episode of Adviser 3.0, host Abraham Okusanya sits down with Jon Slater, an experienced financial planner who successfully navigated the sale of his firm, Manse Capital. Together, they explore the challenges, decisions, and strategies involved in preparing a business for sale, choosing the right buyer, and managing the transition while staying true to your values. Whether you're contemplating your own exit or simply curious about the process, this episode offers a firsthand account filled with insights and lessons learned. Tune in to discover what it takes to exit with confidence and purpose.

In this episode, Abraham interviews Dan Boden, a Chartered Financial Planner and founder of Abode Financial Planning. Dan takes us through his inspiring journey of launching and growing his firm, offering valuable insights into the entrepreneurial side of financial planning. He shares the challenges and victories of starting a business, the importance of trust-based client relationships, and his strategies for growth, including the use of digital marketing and client referrals. Dan also discusses his vision for creating a fun and supportive workplace culture while developing the next generation of talent in the industry. You can find out more about what Dan and his team are up to at: https://abodefinancial.co.uk/ Whether you're a financial planning professional, a business owner, or simply curious about the intersection of entrepreneurship and finance, this episode is a must-listen. Join the conversation and share your thoughts with us! #Podcast #FinancialPlanning #Entrepreneurship #BusinessSuccess #ClientReferrals #WorkplaceCulture #TalentDevelopment

Join Abraham and George Kinder as they discuss the future of financial planning with a focus on mindfulness, personal freedom, and living in the moment. George shares insights from his new book, The Three Domains of Freedom, exploring how freedom unfolds in each moment, throughout life, and within society. They dive into the three key questions that help clients discover true freedom, the role of financial planners as life guides, and George's vision for a fiduciary society that values humanity and the planet above profit.

🎙️ In this episode, we sit down with Roland Whyte, CEO of Nokkel, to dive deep into the critical role property plays in financial planning, especially as clients near retirement. 🏠💼 Roland shares his expert insights on how property, often the largest asset individuals own, is frequently overlooked in retirement strategies and explains why integrating it can significantly enhance wealth management. We explore: 📊 The role of technology in modern wealth management 💰 The challenges around liquidity and equity release 🤝 How financial advisors' roles are evolving to manage holistic wealth strategies Roland emphasizes the importance of viewing property as both a financial and emotive asset. Don't miss this valuable conversation on optimizing retirement outcomes by including property in your financial plan! #WealthManagement #RetirementPlanning #PropertyInvestment #FinancialAdvisors #RealEstate #EquityRelease #HolisticWealth #TechInFinance #RetirementStrategy #FinancialPlanning

In this episode, Abraham Okusanya talks with Matthew Hutton, author of Your Last Gift, about the importance of planning for death. Matthew shares his personal journey and discusses the practical steps—like creating wills and letters of wishes—that can help ease the burden on loved ones. They also explore the role financial advisers play in guiding these sensitive conversations. Key Takeaways: Planning for death is a gift to loved ones. Your Last Gift simplifies end-of-life planning. Wills, checklists, and trusts ensure assets are managed and protected. Financial advisers are crucial in these discussions. Find out more about the podcast here.

In this episode, Abraham sits down with David Hole to explore the world of non-regulated financial planning and his journey from being a financial advisor to becoming a money coach. David shares his motivations behind this career shift and offers insights into the value of non-regulated financial planning and the growing role of money coaching. We discuss the impact of timeline software, the importance of regulated advisors, and how alternative financial models are shaping the future of the industry. David also highlights how lower charges can enhance client outcomes and stresses the need for a client-centric approach in today’s evolving financial landscape.

In this episode, hosted by Abraham Okusanya, Mary Waring shares her inspiring journey from mortgage adviser to running a solo financial advice practice. Discover why she chose to charge fixed fees, the challenges she faced with regulatory issues, and the importance of specialising in a niche market. Mary also offers valuable insights into the art of financial planning, including the crucial role of understanding client psychology and finding joy in your work. Whether you’re an aspiring financial adviser or a seasoned professional, Mary’s story provides plenty of food for thought on running a successful and fulfilling business. Tune in to learn more!

In this episode, Jamie Gordon and Emma Barclay, the dynamic duo behind Lynas Vokes Wealth Management, share their journey in financial planning and the growth of their Lincolnshire-based firm. They discuss the critical role of nurturing the next generation of advisers and the importance of continuous improvement. Tune in to learn why investing in education, maintaining independence, and a client-first approach are key to long-term success in financial planning. Why Listen? Discover how Lynas Vokes is shaping the future of financial planning and get inspired by their vision for growth and innovation—without sacrificing their client-centric values.