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. The Transact API: Making your business run better through integrations

    3D AGO

    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.

    17 min
  2. How to successfully plan your exit strategy

    MAY 13

    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 transactionwhat really drives valuation, and why profitability matters more than recurring income alonethe importance of cultural alignment for staff, clients, and long-term successhow to prepare your business for sale and maximise value ahead of timewhy choosing the right buyer goes beyond the headline offerthe role of experienced advisers in protecting value throughout the dealcommon pitfalls that can delay, derail, or reduce the value of a salewhy personal readiness is just as important as business readinessDrawing 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.

    31 min
  3. Pension death benefits: from simplicity to complexity

    MAY 8

    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 complexnew responsibilities for administrators, executors and beneficiariesthe key rules and steps involved (including valuations and notices)the risk of delays, additional tax and increased liabilitywhy 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.

    27 min
  4. Are your clients ready for the 2027 pension changes and their inheritance Tax (IHT) impact?

    APR 30

    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 planningthe growing IHT impact of including pensions in estatesthe role of gift and loan trusts, discounted gift trusts and flexible reversionary trustspractical 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.

    26 min
  5. Financial planning for families dealing with dependants with Special Educational Needs and Disabilities (SEND)

    APR 23

    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 familiesthe 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 outcomesBlending 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.

    35 min
  6. Building an Advice Firm with Purpose : Robin Keyte on Ethics, Regulation and Technology

    APR 2

    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 businessSuccession planning and the decision to sell to a larger national firmRobin’s long-standing involvement in FCA policymaking and regulatory reformThe impact of Consumer Duty on advice cultureAdviser 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.

    31 min
  7. Inside Transact’s Trading Operations

    MAR 19

    Inside Transact’s Trading Operations

    In this episode of The Transact Podcast, Russell Watson, Transact’s Head of Trading Operations sits down with Head of Distribution, Stuart Fleat, for a deep dive into one of the most critical — yet often unseen — parts of the platform: the trading function. Russell shares insights from his 25 years at Transact, explaining how the trading operation has evolved to today’s highly automated, resilient system capable of handling thousands of trades a day. Together, Russell and Stuart explore: the scale and complexity of Transact’s daily trading volumeshow aggregation helps drive down exchange trading costs for clientsautomation, messaging, and why reliability and resilience matter more than everTransact’s move to two daily dealing points — and how this improves client outcomes best execution, market‑maker competition, and what this means for clients and advisershow class conversions and access to restricted/institutional share classes improve value. This episode lifts the lid on how Transact keeps trading fast, accurate and dependable — all to support better outcomes for advisers and their clients. Subscribe and follow for more great content on the advice and platform market. 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.

    23 min
  8. Tax year end special 2026

    MAR 12

    Tax year end special 2026

    In this tax year end special, Stuart Fleat, Head of Distribution at Transact, is joined by Natasha Walker, Lead Technical Consultant, to share the key planning opportunities anddeadlines advisers need to be aware of before 5 April – effectively the 2 April as the Easter holidays fall early this year. Together, they cover: ISA, LISA and Junior ISA allowances and flexible ISA rules Pension annual allowance, carry forward, Money Purchase Annual Allowance considerations, and the  2027 pension changesInheritance tax gifting allowances, Business Property Relief/Agricultural Property Relief updates, and estate-planning implicationsDividend tax changes, shrinking CGT allowances, and planning for unwrapped assetsWhat’s coming soon from Transact: Flexible Reversionary Trusts, chargeable event calculators, and digital improvementsKey tax year end dates (more info on which can be found in our tax year end guide)Packed with practical insights, this episode helps advisers prepare clients effectively for a very busy tax year end. Please see the below summary information from the episode: Act early: last working day is 2 April before Easter; flexible ISA replacements must be done by 5 April.ISA allowances: £20,000 ISA, £9,000 JISA, and £4,000 Lifetime ISA (check clients nearing age 40). Transact flexible ISA allows in‑year replacement of withdrawals, including adviser/DFM fees. Pension Annual Allowance: £60,000, with carry forward from 3 years — last chance to use 2022/23 £40k AA.Exceeding AA triggers a tax charge; scheme pays can be used to settle the charge from the pension. Member pension contributions can reduce adjusted net income and help restore the personal allowance.From April 2027, unused pension funds become part of the estate for IHT — review nominations and planning. CGT allowance is £3,000 — opportunity to rebalance or crystallise gains; tools available on Transact.Dividend tax increases in April 2026 (10.75% / 35.75%); consider spousal transfers before ex‑dividend dates. Useful tools: gifting log, flexible ISA allowance report, CGT calculator, and chargeable event calculator (2026). Listen now and follow on Spotify or Apple Podcasts. 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.

    20 min
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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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