The Transact Platform Podcast

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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.

  1. 2d ago

    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 competitionhow consolidation is changing the advice landscape and its impact on clientswhy pension tax reforms may create some of the biggest planning opportunities in recent yearswhat's driving the continued rise of MPS and where the market could be heading nextthe 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.

    The future of advice and MPS solutions

  2. Sep 22

    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 systemshow AI agents can support advisers throughout the client review processopportunities to automate meeting notes, client reviews and suitability report preparationthe importance of human oversight, governance and permission controlsand 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.

    How agentic AI is transforming financial advice

  3. Sep 15

    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 processthe importance of planning early and building a strong leadership teamhow trusts can help support long-term client outcomes and family wealth transferthe growing impact of inheritance tax planning following upcoming changes to unused defined contribution pension taxationthe role of loan trusts, Discounted Gift Trusts and Flexible Reversionary Trusts within financial planningkey considerations when selecting and working with professional trusteesAnd 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.

    Building a Lasting Legacy: Trusts, Succession and Wealth Transfer

  4. Sep 4

    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 tasksthe role of APIs and open data in creating more connected advice businessespractical uses of AI, from automated reporting to workflow management how technology can strengthen compliance processes and operational efficiencythe 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.

    Could AI give smaller advice firms a competitive advantage?

  5. Aug 26

    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 65the new 22% charge on interest earned from cash held within Stocks & Shares ISAsrestrictions 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 strategiesproposed 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.

    Understanding the Proposed ISA Changes

  6. Jul 22

    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 platformswhy cash interest retention has become a growing focus for regulators, policymakers and consumer groups the role of Consumer Duty, fair value assessment and transparency requirementsthe FCA’s latest consultation and what it could mean for platforms, advisers and investorshow advisers assess platform charging structures and value for clients the different perspectives shaping the debate across the industrywhat 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.

    The FCA, Client Cash and the Future of Platform Charging

  7. Jul 17

    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 Trustenhancements to transfer functionality within the Guided Applicationnew online direct debit and bank account setup capabilitiesupcoming regular cash transfer functionality, andfuture 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.

    Making Financial Planning Easier: The Latest Transact Online Enhancements

  8. Jul 10

    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 upthe realities of becoming directly authorised scaling from a local firm to a national network evidence based investing and factor investingfixed fees, fair pricing and client outcomeswhy behavioural coaching is often the biggest source of adviser valueusing technology, data, and AI to support ownership and long-term growth how pension inheritance tax changes could influence future planning strategiesThroughout 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.

    What it really takes to scale a financial planning business from scratch
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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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