Financial Services Unplugged with Tom McPhail

Financial Services Unplugged with Tom McPhail

the lang cat 83 Episodes

The lang cat‘s Tom McPhail talks with industry experts and insiders about pensions and investments, regulation, technology, politics and policy-making .
Grown-up financial services insights for people who work here.
Tom is one of the industry‘s leading experts on pensions and retirement for over 20 years and former Head of Policy for the FTSE100 firm Hargreaves Lansdown. You can also find him on Twitter as @pensionsmonkey

https://tomgh.podbean.com
The Advice Gap 2024

The Advice Gap 2024

Jul 9, 2024 36:33

The 2024 Advice Gap report is the definitive guide to the advice market, the dynamics of the sector and the impact of the FCA's Consumer Duty. Co-author and colleague Mike Barrett is here to explain all. You can download a copy of the report here The Advice Gap 2024 - The Lang Cat

A blueprint to fix the UK's pension system

A blueprint to fix the UK's pension system

Jun 22, 2024 1:22:36

Michael Johnson sets out a radical and thought-provoking vision for reform of the UK's state, workplace and individual pensions, with a view to simplicity and long-term sustainability. Pensions: a vision for the future - Social Market Foundation. (smf.co.uk)

What's the next government got planned for our income and savings

What's the next government got planned for our income and savings

Jun 17, 2024 32:35

My colleague Alison Gay and I review the party manifestos published to date and consider the key personal finance promises

Letters of Authority, the worst pension admin problem that isn't being fixed

Letters of Authority, the worst pension admin problem that isn't being fixed

Jun 12, 2024 23:21

Scott Phillips of the Pension Lab joins me to talk about Dashboards, the surprisingly dysfunctional LOA system and what some in the industry are trying to do about it

Election pensions

Election pensions

Jun 7, 2024 42:18

Rachel Vahey of AJ Bell talks with me about the Triple Lock, the LTA, Pension Freedoms and the advice/guidance boundary review

Financial advice firms, recruitment, AI, DEI

Financial advice firms, recruitment, AI, DEI

May 31, 2024 36:02

FT Adviser editor Simoney Kyriakou and the future for financial advice firms

Everything you ever wanted to know about getting rid of the Lifetime Allowance but were afraid to ask

Everything you ever wanted to know about getting rid of the Lifetime Allowance but were afraid to ask

May 23, 2024 53:41

What should have been simple has proved to be anything but; HMRC has created a new way to inflict misery on unsuspecting pension savers. Jon Greer from Quilter gently explains everything we need to know. We also discuss what a new Labour government might do with the rules.

Collective Defined Contribution schemes are going to save pensions

Collective Defined Contribution schemes are going to save pensions

Mar 14, 2024 47:39

Adrian Boulding makes a compelling case, not just why CDC schemes are a good idea but also, crucially how they are actually going to happen

Having fun on Budget Day

Having fun on Budget Day

Mar 8, 2024 32:48

Tom Selby and I unpick the political, fiscal and personal finance fun and games of the Budget

Bridging the financial guidance gap

Bridging the financial guidance gap

Mar 1, 2024 44:59

In which Robert and Charlie from Money Guided talk about how to help people manage their money better

A long-term savings commission

A long-term savings commission

Feb 26, 2024 33:01

Andrew Tully from Nucleus on why we need a long-term savings commission

How do we fix pension transfers?

How do we fix pension transfers?

Jan 20, 2024 19:25

...in Which Dave Henderson of Penny https://pennypension.com and I offer a couple of suggestions for how to make pension transfers work better

The Gregg McClymont episode

The Gregg McClymont episode

Jan 14, 2024 32:33

...in which Gregg talks to me about pension investments in infrastructure and politics from the viewpoint of an ex-shadow pensions minister.

Everything you ever wanted to know about the Advice Guidance Boundary Review...

Everything you ever wanted to know about the Advice Guidance Boundary Review...

Dec 20, 2023 57:29

The FCA's proposed solutions and consultation questions analysed with expert help from Nathan Long of Hargreaves Lansdown and Michael Lawrence of Bovill. You can also read Michael's thoughts here Advice Guidance Boundary Review puts transformative change on horizon - Bovill

The expert view on pension dashboards

The expert view on pension dashboards

Dec 12, 2023 50:48

Richard Smith gives the expert's view on where we're at with the development of pension dashboards, drawing on years of experience in the UK and fresh insights from across Europe. 

How confident are we about retirement?

How confident are we about retirement?

Nov 28, 2023 21:59

Andy Tully joins me to talk through the Nucleus research on retirement confidence; who's confident, who isn't and the factors that affect confidence. Clue: it's really important to have a plan...

The Autumn Statement

The Autumn Statement

Nov 25, 2023 31:07

Another big week for pensions policy, James Dowling helps me pick out the highlights.

The Rishuffle and a look ahead to the Autumn Statement

The Rishuffle and a look ahead to the Autumn Statement

Nov 16, 2023 29:35

Tom Selby of AJ Bell helps me try and make sense of the mother of all reshuffles and we make some moderately well-informed predictions about the forthcoming Autumn Statement

The FCA’s Advice Guidance Boundary Review

The FCA’s Advice Guidance Boundary Review

Nov 8, 2023 43:35

What's happening with the FCA's review of advice and guidance and where might it take us? We're expecting an announcement in the near future; in the meantime, expert insight is provided by Michael Lawrence of Bovill | financial services regulatory consultancy in UK, Asia & Americas and Nathan Long of Hargreaves Lansdown | ISAs, pensions, funds and shares (hl.co.uk).

What’s eating the platform sector?

What’s eating the platform sector?

Sep 26, 2023 33:16

'...the most bruising quarter we've ever seen for advised platforms', was how my colleague Rich described the latest update on platforms. So here we talk through what's going on...

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