The Transact Platform Podcast

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.

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.