The Transact Platform Podcast

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.

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.

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.

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.