Adviser 3.0: The Podcast

Abraham invites Larry Swedroe on Retirementals to discuss everything investing, covering: The background on evidence-based investing The split between passive and index investing SRI, ESG and Impact Investing - what are they and what is the difference between them? The impact of ESG scores and how they can retain or attract talent The effect of ESG on consumer behaviour and how it is continuing to evolve The industries which have the highest expected returns How to make the most of risk and return whilst ensuring your values are maintained How sustainable investing affects asset allocation

Dan Haylett joins Abraham as our next guest, having an insightful conversation on: His move from investment management to financial planning, and why it is so difficult to make that jump Insight into how he joined TFP and what enabled his transition Where the business is today and the transformation over the past few years Where the real value lies in financial planning Dan’s thoughts on client charges and fixed fees Where the business is headed, and the direction it may take in the years to come

Abraham has an insightful chat with Simonne Gnessen, taking a glimpse into: Her career and how she found herself moving into the coaching business How she moved from being a financial adviser to being self-employed and starting her own business What drives her passion and role as a financial coach The difference between financial coaching and financial advice The training you need for financial coaching Whether financial coaching is standalone or a stepping stone towards seeking financial advice The bias towards financial coaching and making it a known profession How big the opportunity is for financial coaching The pricing of financial coaching and whether it’s individual or group-led

Abraham has a fantastic discussion with Jason Mountjoy, covering: Jason’s journey becoming a financial planner and founding Clarity Wealth Management What is the driving force behind Clarity and how to create the correct culture How do advisers fit into the structure of the business The revenue split and how that compares to other businesses Growing the team from 10 to 50 advisers - what lessons have been learnt How to develop “new blood” in the industry The importance of technology to help work smarter and not harder How to select the right investment proposition Why scaling a financial planning business is so difficult How to manage risk/compliance and capping the growth What is the end game for Clarity Wealth Management

Abraham has an interesting chat with Steven Rowe, discussing: Steve’s career - how his career started and his role at Lucent Financial Planning What the business currently looks like in terms of the team and AUM Lucent’s ethos and what attracts new clients What the fee structure is at Lucent? What is the difference between flat vs percentage-based fees? Why financial planning tech isn’t meeting the needs of advisers Steve’s investment proposition and why he chose Betafolio (and also its flaws 👀) What does the future look like for Steve and Lucent

Abraham has an insightful discussion with Chris Hayes, covering: Chris’ career - his role at Think tank and Common Wealth The market of index investing and what’s going on in this space Why he and Adrienne Buller wrote a report on ‘The Passive Revolution’ and what they are trying to accomplish Discussing further questions on the report, covering: How index investing compares to active investing How quickly is indec investing catching up with active investing Do passive investors follow what active investors do Is there an issue with a lack of transparency What is the solution to investing And much more…

Abraham has a fascinating conversation with Carl Richards, discussing: What he’s been up to since 2020, from his last and first event post-pandemic Carl’s famous sketching, how it came about and how it became crucial to people understanding Are financial planners ‘sellers of certainty’? How complex environments shape who we are The significance of goals, how to set them and how to develop a statement of financial purpose Why financial planners should be a ‘guide with a changing landscape’

Abraham has a fantastic conversation with ‘The Father of Life Planning’ George Kinder, covering: How George started out in the industry The Kinder Institute, how it started and the structure of it The difference between life planning vs. traditional financial advice The emotional side of life planning and the importance of establishing an emotional link with clients What is it that gets clients talking? What does freedom mean to them? George’s famous three questions… The practice of mindfullness and how it’s so valuable to financial practice

Abraham has an insightful discussion with Brett Davidson, covering: Brett’s background and how he got into the industry His latest paper, ‘What next for financial planning in the UK?’: Discussing The Innovator's Dilemma: When New Technologies Cause Great Firms to Fail by Clayton M Christensen, the significance and differences between disruptive and sustaining innovation, what could become disruptive forces in the marketplace, why doesn’t financial planning scale very well, and much more… If he was given £100k today to start a new financial planning business, what would it look like? Brett’s approach to working with firms and his plans for retirement

Abraham has a lively discussion with Heather Hopkins, one of the ‘big brains’ of the industry, on: How she joined the industry…TWICE Her entrepreneurial itch and what lead to the creation of NextWealth Should a platform be aimed at the provider or the financial adviser How to drive change in the adviser market Heather’s report on MPS - how she sized up the market accurately, where the MPS market is going and other key takeaways Heather’s approach to retirement