Adviser 3.0: The Podcast

Abraham Okusanya
  • 4.4 (41)
  • Investing
  • Updated fortnightly

The Adviser 3.0 Podcast is hosted by Abraham Okusanya. Get ready for his signature raw honesty, critical analysis and no-holds-barred insight at the intersection of retirement, investing and fintech.

  1. Ep.135 - Life Is Not a Rehearsal: Keith Butten on EOTs, Fees and Life Beyond the Money

    2 days ago

    Ep.135 - Life Is Not a Rehearsal: Keith Butten on EOTs, Fees and Life Beyond the Money

    What does it actually take to build a financial planning firm that lasts, not just one that sells? Keith Butten, CFP Certified Financial Planner and co-founder of boosst, has spent four decades finding out. In this episode, Abraham sits down with Keith to explore the philosophy behind one of the UK's most distinctive lifestyle financial planning businesses, from scrapping self-employed advisers and building from a blank piece of paper, to a fee model designed around service levels and client selection rather than volume. Keith shares how boosst runs at 45% pre-tax profit margins, why he believes "fans" are a better metric than AUM, and the thinking behind their Bright to Boost talent development programme. He also makes a candid case for the Employee Ownership Trust over consolidation, explaining why he and Josh chose to build an infinite business rather than cash out.

    56 min
  2. Sunset Studio Sessions - Conspiracist or Realist? A Debate on Gold, Bitcoin and Investing for a Changing World Order

    10 Jun

    Sunset Studio Sessions - Conspiracist or Realist? A Debate on Gold, Bitcoin and Investing for a Changing World Order

    What does it mean to protect your clients' wealth in a world where governments are spending without restraint? This session from the Adviser 3.0 2026 conference puts two of the most compelling voices in alternative assets on stage together -- and lets them argue it out. Dan Parkinson, the Bitcoin IFA, traces his conviction to Lebanon, where he watched a currency lose 99.9% of its purchasing power in three years. Thomas Holl, Portfolio Manager at BlackRock responsible for several of the firm's gold strategies, came to his view more quietly: two decades of watching what governments actually do with money, not what they promise. Both arrived at the same destination by different routes -- the conviction that holding cash or nominal bonds amounts to a slow-motion loss of purchasing power, and that something else is needed. Moderator Laurentius van den Worm, Head of Investment Strategy at Timeline, keeps the debate honest. He pushes both guests on valuation (how do you price an asset with no cash flows?), regulatory risk (gold was banned before; could it happen again?), and the practical question every adviser in the room is asking: how do I actually get this into a client's portfolio? Dan makes the case for Bitcoin as a hedge against money printing, pointing to the relationship between Fed balance sheet expansion and Bitcoin returns, a four-year cycle with a 99.8% success rate over any holding period, and the argument that at roughly five percent global adoption, we are still in the early adopter phase. Thomas positions gold as a zero coupon inflation-protected perpetual bond with zero issuer risk -- and explains why central bank buying doubled after 2022. They don't agree on everything. But on the things that matter most to advisers thinking about portfolio construction in an era of fiscal excess, they're closer than the title suggests.

    44 min
  3. Ep.134 - The Breath Moment: Olivia Maynard on Building a Business Around People, Not Job Boxes

    3 Jun

    Ep.134 - The Breath Moment: Olivia Maynard on Building a Business Around People, Not Job Boxes

    Olivia Maynard is Managing Director at TFP Financial Planning in Essex. In this episode, she shares how she went from school leaver to MD without ever planning it that way, why she stepped away from financial planning into operations, and how she has built a culture where no one is confined to a job box. Olivia talks about the "breath moment" - that exhale when a client finally lets go of years of financial anxiety - and why it still drives everything TFP does. She opens up about her first pregnancy during Covid, severe pre-eclampsia, an emergency delivery at 30 weeks, and how that experience shaped both her resilience and her thinking on boundaries in the workplace. The conversation also covers how TFP approaches team structure, the death of the brilliant jerk, disagree and commit, and where she thinks the industry is heading as technology reshapes every role from paraplanner to administrator.

    41 min
  4. Sunset Studio Sessions - CEO Perspectives: Key Trends for Advisers in 2026

    29 May

    Sunset Studio Sessions - CEO Perspectives: Key Trends for Advisers in 2026

    Three CEOs. One stage. The biggest questions facing adviser businesses right now. Recorded live at Adviser 3.0 2026, this is the first of our Sunset Studio Sessions — a series of four panel conversations captured on stage at our flagship annual conference. The Sunset Studio stage is sponsored by Northern Trust Asset Management. Philippa Mather of Paradigm Norton, Jo French of Attivo, and Alan Smith of Capital Asset Management join Ed Carey, CCO at Timeline, for an honest, wide-ranging conversation covering the topics that will define adviser businesses over the next few years. On AI, the panel cuts through the noise. Joe explains why Ativo built its own LLMs from the ground up rather than reaching for off-the-shelf tools. Alan argues the industry is still in "Blockbuster got an app" territory and challenges firms to think about what AI-native looks like from first principles. Philippa pushes back on short-term hype cycles and makes the case that people, not technology, remain the real driver of business performance. On growth, the discussion gets uncomfortable. The data says most adviser firms aren't growing in any meaningful way once market returns are stripped out. The panel explores why, what a scientific approach to referrals actually looks like, and why organic growth is a skill that has to be deliberately built. The conversation closes on talent and culture: how to attract the next generation, why weekly one-to-ones beat most management interventions, and what a genuinely high-performance firm looks and feels like in practice.

    39 min
  5. Ep.133 - Doing It Your Way: Tara Maynard on Imposter Syndrome, Culture, and Making Partner

    20 May

    Ep.133 - Doing It Your Way: Tara Maynard on Imposter Syndrome, Culture, and Making Partner

    A career built without a degree, a partnership earned without shortcuts, and a profession that risks losing its soul to consolidation. In this episode of Adviser 3.0, Kate Phillips is joined by Tara Maynard, Partner and Chartered Financial Adviser at PM+M, for an honest conversation about doing it your way in financial planning. Tara shares how financial circumstances steered her away from university and into an accountancy apprenticeship at 18, and how a chance secondment to the financial planning team changed everything. She opens up about studying for her qualifications in half-hour windows around two young children, navigating imposter syndrome on the road to partnership, and what it really means to belong somewhere you love. They also get into the bigger picture: why independent ownership matters for clients and advisers alike, what gets lost when firms are bought and sold, and Tara's passion for grassroots community work through PM+M's Positive Impact programme. Topics covered: The apprenticeship path and why it workedStudying for exams with two young childrenImposter syndrome and building quiet confidenceThe culture that made partnership possibleIndependent ownership vs consolidationCommunity, charity and the Positive Impact programmeListen on Spotify, Apple Podcasts or watch on YouTube.

    35 min
  6. SoapBox Ep.6 - Scrap the Triple Lock, Quit the Big Firm & Master Your Money Mind

    13 May

    SoapBox Ep.6 - Scrap the Triple Lock, Quit the Big Firm & Master Your Money Mind

    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.

    58 min
  7. Ep.132 - Buy Low, Flip High and Hope for the Best: Ed Dymott on Why Consolidation Is Broken

    29 Apr

    Ep.132 - Buy Low, Flip High and Hope for the Best: Ed Dymott on Why Consolidation Is Broken

    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.

    46 min
  8. Ep.131 - The Ethics of Owning Everything: Dominic Thomas on Indexing, Capitalism and Conscience

    15 Apr

    Ep.131 - The Ethics of Owning Everything: Dominic Thomas on Indexing, Capitalism and Conscience

    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.

    54 min
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4.4
out of 5
41 Ratings

About

The Adviser 3.0 Podcast is hosted by Abraham Okusanya. Get ready for his signature raw honesty, critical analysis and no-holds-barred insight at the intersection of retirement, investing and fintech.

Information

  • Creator
    Abraham Okusanya
  • Years Active
    2021 - 2026
  • Episodes
    145
  • Rating
    Explicit
  • Copyright
    © Abraham Okusanya
  • Show Website
    Adviser 3.0: The Podcast

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