Abraham and Sean delve into the details on:

- Sean’s role as Managing Director, Europe at Vanguard and his career to date

- An overview of Vanguard’s business in Europe today

- The driver behind Vanguard’s foray into financial advice

- Why Vanguard’s investment approach is proving so popular

- The 10th anniversary of LifeStrategy Funds – and the secret behind their success...

- What’s in the pipeline for Vanguard

- Sean’s investment strategy and plans for retirement

Abraham and Rowena get straight to the point in this episode, covering:

- Rowena’s background and work at the Institute for Fiscal Studies

- What made her decide to take on her research and what the biggest revelation has been

- Her recent involvement with the paper on, ‘When should individuals save for retirement? Predictions from an economic model of household saving behaviour’.

       - Delving into the details of the lifecycle model and what this really means

       - The power of habit

       - A parent’s approach to retirement and impact of kids leaving home

- The interplay between student loans, employer and employee pension contributions, and the uncertainty of earning pattern over once working career.

- Whether you can pinpoint one saving strategy for all…

- Her single biggest concern relating to retirement and the patterns associated with it today

Abraham and David dive into the nitty gritty of:

SPECIAL EPISODE: Justin King interviews Abraham on the BIG NEWS for Timeline and Betafolio. Here’s what is on the agenda for this episode: 

- How many pieces of tech advisers need, and the lack of seamless integration on the market

- How Timeline is rebuilding the adviser tech stack to save advisers time, risk and cost AND deliver better client outcomes.

- Reducing the cost of investing for the client through Evidence Based Investing and why it is the most effective way to capture returns.

- BIG NEWS: The powerful combination of Timeline’s planning tools and Betafolio’s investment prowess as a single, combined proposition that delights advisers and their clients.

Abraham and Rebecca have an interesting discussion about:

- Rebecca’s career at Balance: Wealth Planning, and insight into her personal journey that led to her starting the firm

- Where she is in terms of people clients, and financial metrics

- Since Balance started it’s grown incredibly fast, Rebecca explains the key drivers behind this

- The significance of fees, and why they shouldn’t be adjusted to the client’s budget

- What the investment process looks like today, including whether to outsource or build things internally, and what the pros and cons are to each approach

- Rebecca’s single biggest bug bear about the profession

- Rebecca’s personal approach to retirement

Abraham and David Ferguson get into the nitty gritty around:

- David’s career journey, and how it led to the creation and rise of Nucleus

- Nucleus’ new MPS solution (Nucleus IMX), and why Nucleus is taking on this segment of the market

- The sale of Nucleus to James Hay, and the drivers behind this

- The significant impact of having massive floods of PE money into the platform sector

- Why the public markets have a lesser view of Nucleus in comparison to the likes of AJ Bell or Transact

- David’s plans for the future and what his retirement plan and portfolio look like

Abraham and Kevin have a lively discussion around:

- How Kevin started in Asset Management and his role at A J Bell Investments

- Growing £1bn of assets organically and the investment approach behind it

- Explaining the difference between discretionary MPS providers operating on AAC and reliance on others.

- The significance of VAT and why it shouldn’t be charged to clients

- Kevin’s biggest financial mistake

- How Kevin plans to invest his retirement money

Abraham talks capacity for loss with the renowned Rory Percival:

- Rory takes us back to when he joined the financial services, providing insight into his vast experience.

- They talk about Rory’s responsibility for introducing 'Capacity for Loss' into financial adviser lexicon and why this is has become a mandatory requirement for advisers.

- They explore the assumptions and issues associated with ‘Capacity for Loss’.

- Rory shares his explanation on the Income Pyramid and how the DBAAT framework approaches this.

- And they look at Rory’s investment strategy for his own retirement money and his plans for the future

Abraham and Bill have a detailed discussion around:

- How Bill got into financial planning and his role as former owner of Bengen Financial Services

- The history of his research on the 4% rule

- Bill’s latest thinking on the framework of retirement withdrawal strategies

- Bill’s thoughts on the role of inflation and market valuation on SWR today

- How Bill invests his retirement money

Abraham and Sarah have a full and fascinating discussion on:

-Sarah’s role as a behavioural economist and author

-Sarah discusses the findings from her book Loaded: Money, Psychology, and How to Get Ahead without Leaving Your Values Behind.

-The role of investor behaviour and psychology, and how this effects the outcomes in retirement.

-Sarah’s key lessons she’s learnt from financial advisers and clients

-How Sarah invests her retirement money