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PODCAST

Financial Services Unplugged with Tom McPhail

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

business investing

All Episodes

52:48

How to make workplace pensions work better

Financial Services Unplugged with Tom McPhail ·

2023/04/05

Not one but two really knowledgeable and thoughtful individuals join me to reflect on workplace pension reforms: Philip Brown of the People's Pension and Nathan Long of Hargreaves Lansdown.

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27:57

Dashboards and small pots

Financial Services Unplugged with Tom McPhail ·

2023/03/30

Pension Dashboards are delayed, the government still doesn’t know what to do about small pots and people aren’t engaging with their pensions. Fintech and pensions expert Dave Henderson of Penny pensions and I discuss whether or not everything is fine…

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19:46

Financial planning through the Budget pension changes

Financial Services Unplugged with Tom McPhail ·

2023/03/24

A follow up Budget episode, digging into some of the financial planning questions thrown up by Jeremy Hunt's changes with the help of Alice Guy from Interactive Investor

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32:18

Budget pensions bombshell

Financial Services Unplugged with Tom McPhail ·

2023/03/21

Unpicking the Budget pensions announcements with Tom Selby from AJ Bell

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42:41

Pension tax wars and retirement income reviews

Financial Services Unplugged with Tom McPhail ·

2023/02/24

Andrew Tully of Canada Life joins me to discuss the FCA's retirement income thematic review; the forthcoming Budget and what it might mean for pensions; and a bit of a reflection on what a Labour government could mean.

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43:52

The UK Pensions Framework

Financial Services Unplugged with Tom McPhail ·

2023/02/01

The Pensions Policy Institute has produced a brilliant analysis of the UK's pensions system, exploring the strengths and weaknesses of dozens of underlying components, and the trade-offs across the competing high-level objectives.

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38:23

Drawdown, risk adjusted returns and the FCA review

Financial Services Unplugged with Tom McPhail ·

2023/01/25

One of the few real product innovations post pension freedom is Just's Secure Lifetime Income. Peter Ellis talks to me about how it works and about the FCA's latest post-pension freedom regulatory review

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50:11

Equity Release

Financial Services Unplugged with Tom McPhail ·

2023/01/16

Right at the end of 2022, I recorded this conversation with Jim Boyd, the CEO of the Equity Release Council. We talk about the role of housing wealth in later life, regulation, the state of the market and what needs to change.

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33:49

Pension scams, fraud and transfer delays

Financial Services Unplugged with Tom McPhail ·

2023/01/12

Everyone in the industry wants to stamp out scams and fraud, however the delays in transferring customers' money are themselves costing everyone a lot of time and money. Phil Warner from Hargreaves Lansdown talks through the issues (NB apologies for the sub-optimal sound quality on this episode)

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52:26

The John Greenwood episode

Financial Services Unplugged with Tom McPhail ·

2023/01/05

Corporate Adviser editor and award-winning journalist John Greenwood and I talk about some of the highlights of 2022, including the problem with net-zero; price caps and illiquid investments and consolidation. We also take a look at 2023, decumulation and whether early access to pensions is a good idea.

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40:27

Financial advice in 2030: The disruption game plan

Financial Services Unplugged with Tom McPhail ·

2022/12/13

Futurologist Eleanor Winton talks about how businesses can plan for future disruption and uncertainties. We also talk about the work we did with Parmenion to anticipate the world of financial advice in 2030.

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32:33

Stephen Timms talks about the work of the Work and...

Financial Services Unplugged with Tom McPhail ·

2022/12/05

We cover recent inquiries on pension freedom and saving for retirement; the stronger nudge and increasing take-up of guidance; preventing pension scams; how to build on auto-enrolment; the current inquiry on LDI investing and forthcoming work on DB pensions.

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52:03

The Steven Cameron episode

Financial Services Unplugged with Tom McPhail ·

2022/11/29

Now the dust has settled, Steven Cameron and I revisit the Autumn Statement, the state pension, social care and the in-trays for the new Pensions and Treasury Ministers

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39:53

Pensions, Lifetime Savings and all that

Financial Services Unplugged with Tom McPhail ·

2022/11/22

Joe Dabrowski from the PLSA on pensions in the Autumn statement, retirement living standards, 5 steps for pension reform and pension scheme consolidation.

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37:42

Collective Defined Contribution pensions for...

Financial Services Unplugged with Tom McPhail ·

2022/11/16

This episode explores whether CDC could be the solution to the retirement income challenges posed by pension freedom. Simon Eagle explains how and why he thinks it could work.

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47:23

The Edi Truell episode

Financial Services Unplugged with Tom McPhail ·

2022/11/03

Defined Benefit pensions, LDI, regulatory failure and the real-world consequences of pension tax policy on the NHS

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49:40

Pensions are in the news, again

Financial Services Unplugged with Tom McPhail ·

2022/10/12

This isn't about DB scheme LDI strategies because that would be boring. Instead Nathan Long and I talk about politics, pension tax reform (again), annuities rate rises and investment losses and the tantalising possibility of regulatory reform

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40:48

Guy Opperman II

Financial Services Unplugged with Tom McPhail ·

2022/08/30

There's a lot packed into this 40 minute conversation with Guy: He talks about Pension Awareness Week; the Midlife MOT; Pension Dashboards; consolidation of pots, pensions and regulators; the role of trustees; Value for Money; Pension Freedom and decumulation; and he talks about Pension Credit. He's also not shy with his praise and his criticism.

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35:45

How to survive Consumer Duty

Financial Services Unplugged with Tom McPhail ·

2022/08/03

This is the big one, clear the diary, wrap a wet towel round your head and get to grips with the Consumer Duty. In this episode, Mike Barrett and I discuss the key challenges and how firms can survive and thrive in this new world order. Links: PS22/9: A new Consumer Duty (fca.org.uk) FG22/5: Final non-Handbook Guidance for firms on the Consumer Duty (fca.org.uk)

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43:19

An international perspective on UK pensions

Financial Services Unplugged with Tom McPhail ·

2022/07/15

If you want a perspective on UK pension provision and policy from someone who has spent time working on other pension systems around the world, Jamie Jenkins from Royal London is your man. We talk here mostly about UK pensions but with some interesting insights from others' experieneces.

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94 results

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