PFS Festival Radio

Martin talks to Sir Vince Cable, leader of the Liberal Democrats about progress of the Brexit negotiations to date and whether it's too late now to stop Brexit.

Martin speaks to Paul Armson from Inspiring Advisers.

Martin talks to Kate Gannon from Manning & Co about her lightbulb moment, the inspiration and drive to become Chartered Financial Planner of the Year. Kate works for Manning and Co in the South West where she heads up the Cornwall Office. She has been in the financial services profession since leaving school, starting in Banking and moving into Financial Advice as a Mortgage Advisor and then Financial Planner in the mid 1990’s. She lives in Cornwall with her Husband, two children and Great Dane. She has recently taken up a new hobby of Sailing and is desperately trying to find the work life balance to fit it into her schedule! She is an advocate of Lifestyle Planning and wants to encourage more of the younger generation into the Financial Services Profession to bring new perspectives and life into the future of Financial Services.

Martin talks to Hayley Tink from Almary Green about the role our behaviour plays in making financial decisions and being a money coach. Hayley has been an adviser with Almary Green since 2009 and started her financial advising career in 2004. Hayley is a Chartered Financial Planner and a Fellow of the Personal Finance Society, the highest possible level of qualification for a financial adviser. She has won several awards for her examination achievements. She is a member of the Society for Later Life Advisers, and specialises in this area of advising clients in later life, including in relation to care fees planning and providing advice to those acting under powers of attorney. She is also an Affiliate member of the Society for Trust and Estate Practitioners, (STEP) having achieved in 2011 a STEP Excellence Award for her top mark in the country in the STEP Certificate for Financial Services (Trusts and Estate Planning). Hayley reached the pinnacle of her achievements so far in November 2012 by winning the prestigious Chartered Financial Planner of the Year award. Most recently, Hayley has trained as a Certified Money Coach (CMC)® with the Money Coaching Institute. One of the few advisers in the UK to also be trained as a behavioural money coach, Hayley is able to bring a new dimension to her financial advice work, as well as providing stand alone money coaching sessions for those who wish to understand the psychological dimension of their own relationship to - and patterns over - money. In her spare time Hayley enjoys yoga and meditation as well as playing tennis and the piano (both badly!). She also loves to read and is always curious to learn something new.

Martin chats to Jason Butler about his book Squeezing the Orange and his new book, published at the end of this year, Money Moments.

Martin talks to George Kinder about life planning and why it has become so popular in the UK. Kinder is a Harvard educated financial planner, philosopher, mindfulness teacher, author, and the founder of the Kinder Institute of Life Planning; an organization that has trained over 3000 professionals in 30 countries in what is considered the gold standard for adviser-client relationship skills. Among his six books, three are on money: The Seven Stages of Money Maturity, Lighting the Torch, and Life Planning for You, and one on mindfulness Transforming Suffering into Wisdom. His newest, A Golden Civilization will address the crises in economics and democracy and explore how to create a Golden Civilization that might last 1000 generations. The recipient of many financial industry awards, he was recently named by Investment News the first of the fifteen most transformational financial advisers whose vision most changed the financial planning industry over the past thirty years. His expertise has been widely featured in: The Financial Times, New Model Adviser, Forbes, Time Magazine, FP Today, The Journal of Financial Planning, Investment News, and The New York Times. Wednesday 14:30 - 15:10 Implementing true Financial Life Planning Advisors are becoming increasingly aware of the importance in understanding not only a client’s financial situation, but also how their aspirations and values tie into their financial lives. Hear from the “father of life planning," George Kinder, as well as practitioners who have implemented various life-centric approaches into their practice as they share their processes, techniques, and tools used in this evolving space.

Martin Clubbs from Old Mutual Wealth talks to Martin for Festival Radio about the investment challenge surrounding DB pension transfers. Martin is a Pension Specialist with over 20 years market experience. He has worked closely with advisers in both the corporate and individual pensions market supporting them through the ever changing pensions landscape. Currently he is involved heavily in the DB to DC market helping advisers with the opportunities and challenges this area of work creates. Outside of work Martin enjoys cycling, golf and coaching his sons junior football team.

Chris Davies from Engage Insight talks to Martin about the launch of their new RegTech platform, Model Office.

David Geale from the Financial Conduct Authority talks to Martin for Festival Radio about FAMA and how Financial Planners can provide feedback to the FCA. Clinton is a Director of Citywide Financial Partners, based in Surrey. The firm was established in 2004 and specialises in providing financial advice to high net worth individuals and their families. He believes that this is an important time for advisers and he is keen to ensure that there is a successful and vibrant independent sector capable of meeting the needs of consumers in the future. Clinton is the former Chairman of the FCAs Small Business Practitioner Panel (SBPP).

Martin talks to Julie Lord from Magenta Financial Planning about the ticking pension freedoms time bomb and the importance of cash flow planning. Julie Lord is a very successful, fee-based Financial Planner, an enthusiastic user of Prestwood financial planning software for the past 23 years, and is currently on the board at Prestwood as Director. In addition, Julie has been a much sought after speaker at financial planning conferences around the world and her seminars, which are designed to demonstrate to Financial Planners how to create a profitable business centred around the client, have long waiting lists.

Martin chats to The Grim Reaper for Festival Radio at the PFS Festival of Financial Planning.

What does hostage negotiation have in common with financial planning? Martin talks to former hostage negotiator Richard Mullender. After a 25-year career working in the London Metropolitan Police as a detective investigating serious crimes, Richard Mullender moved into hostage negotiation. He quickly worked his way up to become Lead Trainer at Scotland Yard’s world-renowned National Crisis and Negotiation Unit. As a hostage negotiator, Richard built his career on elite listening techniques. Since retiring, he has adapted these techniques from the field and applied them to the corporate world, teaching invaluable communication skills to governmental organisations and leading multinationals alike. Richard brings a unique breadth and depth of experience, having designed and run courses all over the world, developing the negotiation skills of officers for organisations that include the Metropolitan Police, the United Nations, the FBI. In addition to extensive crisis negotiation field experience in the UK, Richard was also deployed to Afghanistan and has been active across a wide range of international negotiation assignments. Richard was part of the negotiation team that helped secure the successful release of three UN workers in Afghanistan in 2004. Outside the world of policing, Richard has delivered programmes all over the world on elite listening techniques designed to help organisations understand their employees and clients alike on a deeper level. Richard teaches people to listen as though their lives depended on it. His techniques, gleaned from a career in the field, help his clients understand how to access someone else’s mindset – an invaluable tool at any negotiating table. He has worked across a wide range of organisations including leading multinationals, investment banks, energy companies and universities. Richard is author of Communication Secrets of a Hostage Negotiator (2012) and been covered widely in the media including by the Financial Times and BBC Radio 4.

Martin talks to Miranda Seath from Platforum. Miranda Seath is Head of Intermediary Research at Platforum where she focuses on adviser platforms, UK fund distribution and workplace savings. She has a particular interest in the evolution of financial advice and the impact of policy, regulation and market developments on the distribution of retail funds and investments in the UK. Before joining Platforum, she was Head of Marketing Communications at Marketforce Business Media. Miranda read Ancient and Modern History at St Hilda’s College, Oxford and has an MA from the School of Oriental and African Studies in International Studies and Diplomacy focusing on international relations and international law.

Chris Budd from Ovation Finance talks to Martin about coaching skills for advisers and a useful exercise in listening. Chris Budd is the owner and MD of Ovation Finance, a fee-based financial planning practice. He is a qualified business coach (Ad.Dip in Coaching & Mentoring, European Mentoring & Coaching Council). He also writes books, including one on Financial Planning and two novels. He’s a regular speaker at conferences, both at financial services events on Ovation’s coaching, then planning, then advice model, and to the public about money and happiness. @ovationchris

MC Tess Lee from Moneyinfo joins Martin on day two of Festival Radio to share her fintech rap.

On day two of the Festival of Financial Planning, Cosmic Sausages join Martin in the Festival Radio booth to perform a couple of songs.

On day two of the Festival of Financial Planning, Martin talks to Danby Bloch from Platforum about some winning strategies for financial planners, including the impact of MiFIDII on fee disclosure. Danby is a consultant to Platforum and chairman of Helm Godfrey a City-based firm of independent financial advisers and employee benefit consultants. He was the founder and editorial director of Taxbriefs the specialist publishing company and was a non-executive director of Nucleus Financial Group the investment platform provider. He has written and edited books, articles and learning resources about financial planning, pensions, investments and tax, including a number of Chartered Insurance Institute learning texts. He has taken a close interest in education and was on the board of Oxford Brookes University, ultimately becoming chair of governors and then Pro-Chancellor. He was chair of the Committee of University Chairmen group on governor training and education. Danby also sat on the investment committee of Wadham College - his old Oxford college where as an undergraduate he studied philosophy, politics and economics. He is a trustee of the Equal Rights Trust and has just retired as chair of the Oxford Playhouse.

Martin talks to Alistair Cunningham from Wingate Financial Planning about the defined benefit pension transfer market and how to mitigate some of the risks when giving advice. Specialising in advice for owner managed businesses, Alistair was one of the first Financial Planners to be awarded the prestigious Chartered Financial Planner status. He is also a Fellow of the Personal Finance society, a rarer accolade still. In addition to having achieved the pinnacle of Financial Planning qualifications Alistair also holds the STEP Certificate in Trust and Estate Planning (Financial Services) and an affiliate membership to the Society of Trust and Estate Practitioners. Alistair joined Wingate’s sister company, Wingate Benefit Solutions, in 2005. In March 2008 Alistair was a co-founder of Wingate Financial Planning, which provides high quality tailored advice to individuals and Trustees. A graduate in Physics from Warwick University, Alistair shows the highest level of commitment to professional development. An enthusiastic lover of technology, Alistair won “Social Media Adviser” in four of the five years 2012-2016. He also has several other pensions, investment and tax-planning awards. His opinion sought in the trade and retail media, Alistair is frequently asked to comment on current matters, especially retirement and tax planning issues. Alistair lives in Caterham, Surrey with his wife and three children. Alistair is a keen photographer, with a particular interest in “high-dynamic range” images of architecture and landscapes. A keen cyclist, Alistair can often be found cycling the hills of Surrey at weekends.

Martin talks to Abbie Knight from A Business Innovation about creating a client advisory board and rethinking your definition of high net worth clients. Abbie Knight (née Tanner) is the Head of Digital for the Embark Group, Director of DISCUS and founder of A Business Innovation, a sector specialist marketing firm for financial advisers. She is incredibly passionate about helping financial planners to grow their business through strategic, targeted marketing. She draws on more than 18 years' financial services experience in the UK, US and Australia. Abbie lectured in Marketing and eBusiness at the University of Technology Sydney (UTS), while working at AMP and Henderson Global Investors in Australia. In the UK, she has supported large and small financial planning firms, whilst consulting to companies such as Invesco, SEI and JPMorgan. Today she regularly presents at forums on value proposition development, marketing, social media, digital strategy and working with professional partners. At the PFS Festival she will introduce her new marketing programme, The Edge™. @abbies_insights

Martin talks to Paul Read, head tailor at Eveleigh & Read, about bespoke tailoring and the importance of a first impression.

Martin talks to Ian Beestin, CMO of Money Alive, about their new final salary portal for advisers.

Former pensions minister Sir Steve Webb of Royal London talks to Martin about pension freedoms and some of the issues surrounding defined benefit pension transfers. Steve Webb was Minister of State for Pensions between 2010 and 2015, the longest-serving holder of the post. During that time he implemented major reforms to the state pension system, oversaw the successful introduction of automatic enrolment and played a key role in the new pension freedoms implemented in April 2015. Steve was a Liberal Democrat MP from 1997 to 2015. Before this he was professor of social policy at Bath University for two years, having previously worked for nine years as an economist at the Institute for Fiscal Studies. Steve graduated with a first class honours degree in PPE from Oxford University in 1986. @stevewebb1

Martin Coyle from Aegon talks to Martin about legacy assets moving to platforms. Martin has been in financial services since 1991. His career began with MLC which later became the wealth management arm of National Australia Bank. He sought pastures new arriving in the UK in 2005 where has held consultancy and business development positions with Prudential and AXA Wealth before joining Aegon UK as Head of Platform Sales. More recently becoming Director- Business Development he is responsible for the Strategic Account, Technical, Tax and Trust teams. Following completion of a Diploma of Financial Markets and a Diploma of Financial Planning Martin qualified for Certified Financial Planner status. Outside of work Martin is also Chair of The Thin Green Line Foundation UK Ltd which supports park rangers and their families around the world. @martincoyle34

Martin chats to Jan Bowen-Nielsen from Quiver Training about coaching skills and how Financial Planners can use these to improve client rapport and relationships. Jan is the founder of Quiver Management Ltd, a European quality award winning executive coaching and leadership training company specialising in coaching and development of senior executives, business owners and advisers. Quiver Management’s team of 17 coaches and trainers, provide internationally recognised coaching, mentoring and leadership training courses, including training financial advisers in client interpersonal skills. Jan has 15 years’ senior management experience from blue-chip companies in the UK, Denmark and USA and almost as long as a coach, trainer and management consultant. Jan is a very experienced and qualified executive coach, and has coached a large number of senior executives in medium and large international organisations, helping them grow their leadership skills, their team’s performance and their businesses. Jan has been on the Advisory Board of EMCC UK, the European Mentoring and Coaching Council, the leading professional body for coaching and mentoring in Europe, for a number of years and regularly speaks at national and international conferences and events. @QMTraining

Neil Bage from Be-IQ speaks to Martin for Festival Radio about risk profiler questionnaires, their limitations and a better approach. Neil is the Founder of multi-award winning Be-IQ. Working with leading Academics, Be-IQ is an entirely new model and approach to understanding a client’s risk personality, their financial capability, and their financial decision making. Neil works closely with some of the most influential financial brands in the world, and regularly features as a keynote speaker, focussing on the sub-conscious behaviours that drive our financial decisions. He is an expert at bridging complex theory with real-world understanding. @neilbage

Martin talks to Greg Davies from Centapse about human behaviour and how it can apply to Financial Planning. Greg is a globally recognised expert in applied decision science, behavioural finance, and financial wellbeing – turning academic insight into practical solutions. Greg started, and for a decade built and led, the banking world’s first behavioural finance team as Head of Behavioural-Quant Finance at Barclays. He was the architect of Barclays’ behavioural profiling tools and holistic Wealth Philosophy, delivering client solutions tailored to both their financial and emotional investment needs; and he designed Barclays’ innovative behavioural approach to impact investing and philanthropy. In 2016 he founded Centapse, a firm dedicated to applying sophisticated behavioural insight to design, develop, and deploy solutions across industry to help people (and organisations) make better decisions. He holds a PhD in Behavioural Decision Theory from Cambridge; is an Associate Fellow at Oxford’s Saïd Business School; a lecturer at Imperial College London; and author of Behavioral Investment Management. Greg is also the creator of Open Outcry, a ‘reality opera’ premiered in London in 2012, creating live performance from a functioning trading floor. @gregbdavies

Martin talks to Ian McKenna about the Fintech Startup Cafe at the Festival of Financial Planning. A Financial Technology Evangelist, Futurologist and Singularitarian who is passionate about how technology can help people better understand their money and improve the quality of their lives. Ian believes there has never been a more exciting time to work in the personal finance market and that emerging technology can help advisers and other financial services businesses make a real difference to their clients financial health. He travels the world seeking out those firms that are transforming financial advice and guidance for consumers. Ian fervently believes that technology will democratise the advice process, expanding its reach from the 15% of the population serviced today, to enable the vast majority of the population to be able to access affordable advice on how to better manage their finances After 15 years working for insurers and financial advice businesses in 1995 Ian set up F&TRC, a specialist consultancy which focuses on the operational key issues around the distribution medium and long terms savings vehicles, other packaged financial products and the supporting technology. Having briefly worked as a personal finance journalist he continues to be a regular columnist for Money Marketing. F&TRC have recently launched to information services DigitalWealthInsights.com and AdviserForum.com. Specialities: The Future of Financial Advice. Operational issues within intermediated financial product distribution. E-Commerce in Financial Services. Supplier selection/Due Diligence on adviser software, restricted advice panels and platforms. Tuesday 18:40 - 19:10 The future of digital client engagement Digital Advice is increasingly enabling advice firms to work with clients in new ways. This can involve using technology to be able to service clients for whom traditional may no longer be economically viable in a post RDR environment, or to attract the next generation of customers who either prefer to communicate digitally or are do not yet need, nor can they afford face to face advice This session will consider the various options open to adviser firms when seeking a Digital Advice partner and the merits of different approaches it will explore; • How will your business benefit • How to drive new customers • Key questions to consider • How will the digital proposition align with your traditional advice offering • How to price your service • How will your digital advice solution interact with other technology in your business • Regulatory considerations Learning objectives The key issues to consider when deciding if you should add a digital advice element to your business Regulatory issues to be considered How to approach due diligence Commercial considerations relevant to digital advice

Fresh off the stage after his conference speech about the science of retirement income, Martin chats to Abraham Okusanya from FinalytiQ. Abraham is the principal at FinalytiQ, a research firm specialising in investment propositions, pensions and platforms. He sits on the investment committees of several financial planning firms, and he’s frequently sought by asset managers, pension and platform providers looking to build products and propositions that are fit for purpose. @AbrahamOnMoney

Natalie Holt from Nucleus Illuminate talks to Martin for Festival Radio. Natalie is the content editor for Illuminate, which aims to provide advisers with interesting articles and insight to help run and grow their businesses. Previously editor of Money Marketing, she started out in financial services journalism writing about mortgages in the depths of the financial crisis, and since then has covered a wide range of adviser and industry issues.

Sharon Sutton, new President of the Personal Finance Society, chats to Martin about her role and the vision for Financial Planning in the UK. Sharon is Managing Director of Thornton Chartered Financial Planners and is from the Isle of Man where she was the first Chartered Financial Planner. She believes in educating people to take control of their lives through financial planning so they can achieve their dreams and don't run out of money. She achieved Fellowship of the Personal Finance Society in 2011 and joined the Board in 2012. Her main goal as President for the year 2017/18 is to advance the practice and profession of financial planning so to encourage members and the wider personal finance profession to embrace the use of such tools and techniques that may help them and their clients achieve excellent outcomes. Part of this has been the recent formation of the PFS Financial Planning Practitioner panel which she feels privileged to chair. Wednesday 10:10 - 10:20 President's address In this president’s address for the year, we look forward to hearing her key themes and her vision for Financial Planning.

Martin chats to Baroness Ros Altmann about pension freedom progress, pension scams and the plight of 1950s born women having to wait longer for their State pension. Ros Altmann is an expert on later life issues – particularly pensions and retirement policy, investment, savings, annuities and social care funding. She is an economist by training and worked in fund management in the City for many years. She has advised Governments, regulators, industry bodies, corporates, finance firms, trustees and consumer groups and was Director-General of over 50s’ specialist Saga Group from 2010 to 2013. Ros was recently appointed a CBE for services to pensioners and pension provision and is the UK Government’s Business Champion for Older Workers. She is a frequent media commentator on pension issues and regularly writes articles and speaks at conferences on pension reform. She has won numerous industry awards and honours including Pensions Personality of the Year (twice), Industry Guru of the Year, Women in Public Life Award, The Times ‘Business Bigshot’ and was one of the UKs top 50 Most Influential People in Pensions in 2013 according to Pensions Insight. She is well-known as an independent voice who understands both customer and provider viewpoints. Ros has a first class honours degree in Economics from University College London, a Ph.D. degree in Economics from London School of Economics and was a Kennedy Scholar at Harvard. She was awarded an honorary Doctorate from University of Westminster. She is a Governor of LSE, having also been a non-executive director and Chaired its Investment Committee for many years. She is also a Governor of the Pensions Policy Institute, and Chairs the Lord Chancellor’s Strategic Investment Board for the Ministry of Justice. She is a Fellow of the Royal Society of Arts, as well as being an adviser to the International Longevity Centre and was recently appointed as a Non-Executive Director of the Independent Press Standards Organisation. @rosaltmann Tuesday 14:30 - 15:30 Reflections from the pensions strategy hot seat Former Pension Ministers, Baroness Ros Altmann and Sir Steve Webb will dive under the bonnet of the next phase in the UK’s pensions revolution.

Jeremy is Head of Life Planning for Serenity Financial Planning – the UK’s largest Financial Life Planning firm. Originally from a banking background, after becoming an Independent Financial Adviser in 2004, and seven years later, he experienced an life changing moment at the PFS Conference in 2011, when he was so inspired by talks from Tina Weeks, David Scarlett and Jim Lawless to make major changes to both his life and the way he worked with his clients. In 2012, Jeremy attained Registered Life Planning status with the Kinder Institute, and in 2013, joined his inspiration Tina Weeks at Serenity. A key driver for Jeremy is helping his clients find or regain direction, purpose and enthusiasm for life. A particular poignant point has been working with one client whose husband suicided in 2013. Together, in May 2017, they arranged a charitable concert in Cornwall, attracting an audience of 900 people, and raising just under £20,000 for Cornwall Search and Rescue Team and Carrick MIND. Wednesday 13:40 - 14:10 Life changing experiences Listen to four of your practitioner peers describing what it was that created that “Light bulb Moment” when they really “got” what it was that they wanted to deliver or change in their practises to enable them to be the best they could be.

Martin chats to Pete Matthew from Meaningful Money about building client trust before you've even met them! Pete Matthew is a Chartered and Certified Financial Planner, and Managing Director of Jacksons Wealth Management in Penzance. He started MeaningfulMoney.tv as a hobby in 2010, and has since created over 300 videos and over 200 podcast episodes. The podcast is a top ten UK business podcast, and is downloaded 50,000 times each month. MeaningfulMoney is now a major source of new business for Jacksons Wealth - the hobby has become a monster! He's married to Joanne, with two teenage daughters and a Jack Russell called Maisy. Wednesday 11:40 - 12:10 Bridging the trust gap - Using your website to win clients before they walk in your door In this session, Pete will share what he has learned from seven years of being active online with MeaningfulMoney, and what you can do to replicate and accelerate the results he has achieved. Learning objectives The very specific fears that prospects have when they approach us, and how to overcome them with an authentic web presence The elements that every website must have How to stand out from the crowd when all adviser websites look the same (including examples of good practice) How to use your website to answer your prospects' questions Why you should give away everything you know for free Some immediate steps you can take to improve your web presence in less than 30 minutes

Darren Cooke from Red Circle Financial Planning talks to Nick about progress being made with the pension cold calling ban. Darren is Director at Red Circle Financial Planning and has a large breadth of experience in the financial sector. He has worked with a great variety of different businesses and individuals spanning a wide variety of industry sectors and personal circumstances over the last 20 years. Darren’s approach allows him to deliver the highest quality of holistic advice and financial planning while recommending the best plans and solutions appropriate to your needs. Darren also holds a degree in business and economics and proudly holds Chartered Financial Planner status.

Jan Holt, business development manager at Just, chats to Martin about the Dementia Friends information sessions visitors to a Festival of Financial Planning can attend.

Mark Hutchinson from the Chartered Insurance Institute joins Martin on Festival Radio to talk about coming up with the concept for a Festival of Financial Planning.

Chris Baigent-Reed from Jigsaw Tree chats with Martin Bamford for Festival Radio. Jigsaw Tree works with adviser businesses to help them enhance the delivery of their client propositions & technology providers to strengthen adoption of their solutions. @JigsawTree

Today on PFS Festival Radio, I'm joined by Ian McKenna. A Financial Technology Evangelist, Futurologist and Singularitarian who is passionate about how technology can help people better understand their money and improve the quality of their lives. Ian believes there has never been a more exciting time to work in the personal finance market and that emerging technology can help advisers and other financial services businesses make a real difference to their clients financial health. After 15 years working for insurers and financial advice businesses in 1995 Ian set up F&TRC, a specialist consultancy which focuses on the operational key issues around the distribution medium and long terms savings vehicles, other packaged financial products and the supporting technology. Find out more about Finance & Technology Research Centre - http://www.ftrc.co/ Find out more at www.pfsfestival.org/explore/festival-radio.

Today on PFS Festival Radio, I'm joined by Sebastian Maciocia, Client Advisory at Winton Group, a Silver Partner at the Festival of Financial Planning. Winton is a global investment management firm. Founded in 1997, they combine the rigour of the scientific method with advanced investment technology to invest in financial markets. Today Winton advise on over $30bn of assets for many of the world’s largest pension funds, sovereign wealth funds, banks and fund platforms. Their programs include managed futures, diversified absolute return strategies and long-only equity. Winton Group employ more than 450 people in offices around the globe: London, Oxford, Hong Kong, New York, San Francisco, Shanghai, Sydney, Tokyo and Zurich. Find out more about Winton Group - https://www.winton.com/ Find out more at www.pfsfestival.org/explore/festival-radio.

Today on PFS Festival Radio, I'm joined by Martin Lines from Just, Gold Partner at the Festival of Financial Planning. Just is the exciting new brand for Partnership and Just Retirement. It represents the specialist knowledge and expertise of both award-winning businesses, and the passion, purpose and vision of the new stronger organisation. Find out more about Just - http://www.justadviser.com/ Find out more at www.pfsfestival.org/explore/festival-radio.

Today on PFS Festival Radio, I'm joined by Royston Guest, one of the Headline Speakers at the Festival of Financial Planning. Royston will be sharing his break through insights on why ALL businesses need to think like a day 1 business to not only survive but thrive. Find out more about Royston - https://www.roystonguest.com/ Follow Roston on Twitter - https://twitter.com/Royston_Guest Find out more at www.pfsfestival.org/explore/festival-radio.

Today on PFS Festival Radio, I'm joined by Julie Lord, a Certified Financial Planner, a Chartered Financial Planner and a Chartered Wealth Manager at Magenta Financial Planning. Find out more about Julie - https://magentafp.com/about-us/ Follow Julie on Twitter - https://twitter.com/julielordcfp Find out more at www.pfsfestival.org/explore/festival-radio.

Today on PFS Festival Radio, I'm joined by Phil Billingham, Chartered Financial Planner at Perceptive Planning, to talk about Financial Planning from an international perspective. Find out more about Phil - perceptiveplanning.co.uk/about-us/meet-the-team/ Follow Phil on Twitter - twitter.com/philbillingham Find out more at www.pfsfestival.org/explore/festival-radio.

Today on PFS Festival Radio, I'm joined by Sharon Sutton, managing director of Thornton and incoming President of the Personal Finance Society. Find out more about Sharon - https://www.thorntonfs.com/sharon-sutton/ Follow Sharon on Twitter - https://twitter.com/sharonsutton99/ Find out more at www.pfsfestival.org/explore/festival-radio.

Today on PFS Festival Radio, I'm joined by some gold sponsors - Pollyanna Harper from BlackRock and Mark Hopcroft from Embark. We find out why they chose to sponsor the PFS Festival of Financial Planning, what visitors to the Festival can expect to see from BlackRock and Embark, their speaking slots, and marketing to tomorrow's high net worth clients. Find out more about BlackRock - https://www.blackrock.com/uk/ Find out more about Embark - https://www.embarkgroup.co.uk/ Find out more at www.pfsfestival.org/explore/festival-radio.

Alistair Cunningham from Wingate Financial Planning joins Martin on Festival Radio today to talk about all things pension transfers and his session at the Festival of Financial Planning. Wingate Financial Planning: http://wingatefp.com/team-member/alistair-cunningham/ Follow Alistair on Twitter: https://twitter.com/cunningham_uk Find out more at www.pfsfestival.org/explore/festival-radio.

Hayley Tink from Almary Green joins Martin on Festival Radio today to talk about their graduate programme, the educational area at the PFS Festival of Financial Planning and the first album she bought. Almary Green: http://www.almarygreen.com/meet-the-team/hayley-tink-fpfs Follow Hayley on Twitter: https://twitter.com/hayley_tink Find out more at www.pfsfestival.org/explore/festival-radio.

Pete Matthew, financial planner and creator of the Meaningful Money podcast, joins Martin on Festival Radio today to talk about how he got started as a prolific content creator, what visitors to The Festival of Financial Planning can expect from his session, and the first single he bought. Meaningful Money: https://meaningfulmoney.tv/ Follow Pete on Twitter: https://twitter.com/petematthew Find out more at www.pfsfestival.org/explore/festival-radio.

Keith Richards, chief executive of the Personal Finance Society, joins Martin on Festival Radio today to talk about his priorities at the PFS, what inspired the idea behind The Festival of Financial Planning, and what he's most looking forward to at The Festival. Find out more at www.pfsfestival.org/explore/festival-radio.

Welcome to PFS Festival Radio, hosted by Martin Bamford from Informed Choice Radio. Here's a short introduction to this new podcast series and what you can expect each week leading up to The Festival of Financial Planning on 7th and 8th November 2017 at NEC Birmingham. Find out more at www.pfsfestival.org/explore/festival-radio.