The Transact Platform Podcast

Transact

Welcome to the Transact Platform podcast, where we explore trends and insights shaping the financial advice landscape. Join us as we dive deeper into the key topics that matter to you. Tune in for insights, practical strategies and engaging discussions that will help you stay ahead in the evolving world of financial planning.

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S1 · E40
Wednesday · 40 min
The changing advice landscape with PFS President Carla Brown
What does the future hold for financial advice? As technology evolves, client expectations change and the profession seeks to serve more people, the role of the adviser is entering a period of significant transformation. In this episode of the Transact Platform Podcast, Andrew Cullen-Jones, Chief Development Officer at Transact, is joined by Carla Brown, President of the Personal Finance Society, Chartered Financial Planner and business owner, for a thought-provoking discussion on the future of the financial planning profession. Together, they explore: how AI is changing adviser workflows and why human judgement, empathy and behavioural coaching remain essential the growing advice gap and the challenge of helping more people access quality financial advice supporting intergenerational wealth transfer, pension reforms and changing client expectations on the advice landscape attracting and developing the next generation of financial planners while continuing to raise professional standards. From trust and professionalism to technology and innovation, Carla shares her perspective on the opportunities and challenges shaping the profession today, and why she remains optimistic about its future. Whether you're an adviser, paraplanner, business owner or simply interested in the future of financial advice, this episode offers valuable insights from one of the profession's leading voices. 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.
S1 · E39
October 8 · 35 min
How much is your advice business really worth?
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.
S1 · E38
October 1 · 49 min
The future of advice and MPS solutions
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.
S1 · E37
September 22 · 53 min
How agentic AI is transforming financial advice
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.
S1 · E36
September 15 · 43 min
Building a Lasting Legacy: Trusts, Succession and Wealth Transfer
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.
S1 · E35
September 4 · 31 min
Could AI give smaller advice firms a competitive advantage?
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.
S1 · E34
August 26 · 22 min
Understanding the Proposed ISA Changes
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.
S1 · E33
July 22 · 36 min
The FCA, Client Cash and the Future of Platform Charging
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.
S1 · E32
July 17 · 12 min
Making Financial Planning Easier: The Latest Transact Online Enhancements
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.
S1 · E31
July 10 · 44 min
What it really takes to scale a financial planning business from scratch
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.
S1 · E30
July 2 · 44 min
A deep dive in to the platform market
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.
S1 · E29
June 18 · 35 min
The Truth About Going Solo as a Financial Adviser
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.
S1 · E28
June 10 · 43 min
What does the future of financial advice really look like?
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.
S1 · E27
June 4 · 7 min
Update on Pension Death Benefits: What’s changed following newly released HMRC guidance
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.
S1 · E26
May 21 · 16 min
The Transact API: Making your business run better through integrations
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.
S1 · E25
May 13 · 31 min
How to successfully plan your exit strategy
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.
S1 · E23
May 8 · 27 min
Pension death benefits: from simplicity to complexity
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.
S1 · E23
April 30 · 26 min
Are your clients ready for the 2027 pension changes and their inheritance Tax (IHT) impact?
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.
S1 · E22
April 23 · 34 min
Financial planning for families dealing with dependants with Special Educational Needs and Disabilities (SEND)
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.
S1 · E21
April 2 · 30 min
Building an Advice Firm with Purpose : Robin Keyte on Ethics, Regulation and Technology
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. 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.

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