The Paraplanners' Assembly Podcast

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122

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Oct 2026

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About the show

Listen to our latest online Assembly PLUS bonus content created to help paraplanners from across the UK learn, fix and share. To join our Assemblies live, look and book for upcoming events at paraplannersassembly.co.uk/events Hosted on Acast. See acast.com/privacy for more information.

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October 23, 202656 min

Revealed: What paraplanners think about IHT, AI and the future of advice

Every year, Scottish Widows survey UK paraplanners to find out how they’re feeling about their work and the changes shaping the profession. And every year, Scottish Widows give the Paraplanners’ Assembly an advance look at what they’ve discovered, before the results are published. Harry Keating-Coyne from Scottish Widows joined us to discuss the emerging themes from this year’s survey. It’s no surprise that the April 2027 changes bringing pensions into the IHT net are a big shift for advice firms and their clients. But the survey shows it might be a bigger shift than some first currently realise. The research looks closely at how prepared the profession is, including: how ready paraplanners feel for the changes what firms have already changed or are in the process of changing how client conversations and planning strategies are changing potential product implications and unintended consequences whether they could spark broader intergenerational and whole family planning AI and the future of advice Richard and Harry look at what paraplanners and advisers think about AI, Targeted Support and simplified advice. For AI, this covers how far firms are adopting it, how confident people feel, and whether it’s seen as an opportunity or a threat. Richard and Harry talk about the future shape of advice businesses and the role of paraplanners within them. This includes the impact of regulation on workload (a returning theme from previous surveys), recruitment and changing client expectations. What can you expect? This is a chance from you to hear what peers are thinking before the full report lands. You’ll get a sense of how your own firm’s approach to IHT and AI compares with others. The Assembly lasts one hour and CPD is available. Useful links Watch in Crowdcast (with chat) Grab your CPD Hosted on Acast. See acast.com/privacy for more information.

October 8, 202659 min

Paraplanning for LGBTQ+ clients: what we might be missing

Have you ever stopped to think about the assumptions baked into a fact find? A tickbox for ‘marital status’. A question about ‘your wife’ or ‘your husband’. A box that asks for ‘gender’ with only two options to choose from. A form that only makes room for children who are biologically yours. These assumptions, and experiences of LGBTQ+ clients raise some important considerations for financial planning and, as paraplanners, we are well placed to make sure the file and the advice reflects who the client actually is, not who they’re assumed to be. In this Assembly, Jawaad Tanwir , of ParaplanX is joined by Esther Clemmey of Integrity365 and Jamie Lowe of True Self Wealth to explore what paraplanners may be unintentionally overlooking when working with LGBTQ+ clients, and how to build a process where those clients feel understood without ever having to justify who they are. Together, they look at where assumptions most often creep into the advice process – about marriage, gender, children, beneficiaries and ‘chosen family’ – and the practical planning issues that follow including: Wills and intestacy for unmarried couples, pension nominations and protection underwriting. During this Assembly we discussed: what paraplanners may unintentionally overlook when working with LGBTQ+ clients the practical planning issues that can arise how to build a process in which LGBTQ+ clients feel understood, without making assumptions Sound like something you’d like to know more about? Tune in now. Useful links Grab your CPD Watch in Crowdcast (with chat) Terence Higgins Trust Trans Support Hub Esther mentioned Oasis Church, the inclusive faith space in Reading that she helped found. So we thought we'd link to that too: Oasis Church Reading Hosted on Acast. See acast.com/privacy for more information.

October 6, 202656 min

The Self-Assembly Paraplanning Show for October 2026

Welcome to The Self-Assembly Paraplanning Show, a monthly unscripted conversation where we invite a small group of paraplanners to compare notes on what’s actually happening in their world. Just so you know : guests appear in a personal capacity and not on behalf of the business that employs them.** This month’s host, Julie South, is founder of outsourced paraplanning firm, Bee Paraplanning. Julie is joined by guests Lucy Halliday, a senior paraplanner at Argonaut Paraplanning, and Chris Wormwell, an in-house paraplanner at Wesleyan Financial Services. Among the topics that Julie, Lucy and Chris cover this month are: - the UK Government’s Autumn Budget – set for Wednesday 28 October – and what’s rumoured to be in it? - who’s been hearing about clients asking to take their tax-free cash? - the potential CGT changes that are on their radars plus chat about IHT and agricultural property relief - why clients should plan for both sides of care – paying for their own, and understanding what caring for someone else could mean for their finances - why cash flows should factor in the risk of redundancy and illness (and caring responsibilities) - what the UK Government's consultation on the rights of cohabiting couples in England and Wales could mean for things like IHT and wills It’s an episode that’s big on the potential of cash flows and annual reviews as a way to prompt conversations with clients about the stuff that doesn’t get mentioned as much as it could. Oh and Lucy and Chris offer their gaming and streaming recommendations for October, plus plugs for events they’re planning to attend, too. AI in this episode We used Adobe Podcast's Enhance tool to clean up audio levels and quality. We used Canva's background remover for the head-and-shoulder shots of Julie, Chris and Lucy in the cover image of this episode. Useful links Online Assembly: Les Cameron's take on the Budget , 5 November 2026 Previous Assembly: A dead interesting Assembly on death and dying , 12 August 2026 Society of Later Life Advisers (SOLLA) SOLLA membership for paraplanners ONS life expectancy calculator UK Government: A fairer end to relationships – consultation (closed 14 August) Lucy and Chris's recommendations A Big Day Out Whodunnit , 3 NOovember 2026 SOLLA Later Life Conference Grand Theft Auto VI BBC iPlayer: Colin from Accounts ITVx: Jordskott Hosted on Acast. See acast.com/privacy for more information.

October 1, 202628 min

How advice tech should work for paraplanners (not the other way round)

Host Richard Allum is joined by Transact’s chief development officer, Andrew Cullen-Jones, to explore how paraplanners and the firms they work for can get the most out of advice tech. Among the topics Richard and Andrew tackle in their half-hour conversation are: the enduring issue of rekeying data what an API is and what it does why you should know which system’s data wins when two disagree distinguishing between AI hype and AI help how the role of CRMs could change why the human side of advice matters Plus Andrew suggests one thing that all paraplanners and their firms should consider doing before seeking the next bit of software for help. When launches of new tech and AI innovation seem never-ending, and keeping on top of what’s new feels like an impossible task, this conversation offers a welcome pause for thought. Useful links Woven Advice Market Map Video: watch this episode on Vimeo Hosted on Acast. See acast.com/privacy for more information.

September 25, 202636 min

What living with cancer means for financial planning

Most financial plans treat cancer as a rare event, or as though a diagnosis always means the end of the road. New joint research from Scottish Widows and Macmillan , tells a different story. By 2045, cancer prevalence in the UK is forecast to rise by 58%, taking the number of people living with or beyond cancer to 5.4 million and survival rates have doubled in the last forty years. So, cancer is no longer the death sentence it once was, and that changes what financial planning needs to do. That’s why we invited Jonathan Hall from Scottish Widows to join host Richard Allum and talk through what the research means, and help paraplanners understand what it might mean to their day-to-day paraplanning. John talks about what’s driving the increase and what it means for clients at every stage: building cash flow models that stress test a plan against a cancer diagnosis, why premiums for the same cover roughly triple by your thirties and more than double again by your forties, and how needs shift from a client in their twenties protecting a lifestyle to one in retirement assuming their savings will simply see them through. Tune in now to find out how to bring this conversation to life for your clients. What can you expect? the numbers behind a forecast 58% rise in UK cancer prevalence by 2045, and what’s driving it how to use cash flow modelling to bring a 'what if' conversation to life for clients how protection needs and objections shift across generations, from Gen Z to those approaching retirement why 'I’ve already got cover' and 'I’ve got savings to fall back on' are worth gently challenging how protection can work as an intergenerational planning tool, including for clients’ adult children CPD is available for this episode with links available below as well as further resources. Useful links Slides: Living with and beyond cancer in 2045 Report: Living with and beyond cancer in 2045 CPD: request your certificate Watch on Vimeo Hosted on Acast. See acast.com/privacy for more information.

September 24, 20261 hr 1 min

A tune up on temporary pension income guarantees

Temporary pension income guarantees are nothing new to retirement income planning. But how much do you actually know about how they work? During this Online Assembly, Richard Allum and M&G ’s Mark Devlin take a practical look at temporary pension income guarantees, and what they mean for cases that you may work on. During this Assembly, Mark explained: what temporary guarantees are and how they work the options available to clients what happens to death benefits why you might consider using them in a client's retirement plan Plus they added a couple of real-world case studies into the mix to bring it all to life. What can you expect to take away? A clearer, more practical understanding of temporary pension income guarantees, and a sense of when and why they might be worth putting in front of a client. Ready to top up your knowledge? Catch up now. Useful links Watch in Crowdcast (with Chat) Collect your CPD Download: Mark's slides on temporary pension income guarantees Hosted on Acast. See acast.com/privacy for more information.

September 10, 20261 hr 0 min

What the Dickens do wills and LPAs actually say?

The near-Dickensian language of a Will doesn’t half make the clarity of its contents harder to grasp, doesn’t it? And then there’s LPAs, which come with limits that catch you out. Things like what an attorney can and can't gift, whether they can set up a trust, what happens if the attorney themselves loses capacity. So if you’re prone to befuddlement – and, let’s be honest, who isn’t? – then tune into this conversation with Shaun Moore, Technical Specialist at Quilter . Because Shaun joined us for a lunch-hour conversation that’s all about deciphering what wills and LPAs actually say. But this isn't about which form to fill in or which portal to log into. It's a planning conversation about why these documents matter, what they can and can't do, and what paraplanners need to look out for. And with pensions becoming vulnerable to IHT, and plenty of plans now out of date, this is the ideal time to revisit both documents. So during this Assembly we covered why pensions coming into the estate means old wills need a second look Residence Nil Rate Band (RNRB) pitfalls and old discretionary trusts left over from before the transferable nil rate band deeds of variation, and what your options are when a will hasn't been drafted well investment powers in will trusts, including bonds for life tenants, STEP provisions and when the Trustee Act 2000 defaults apply the limits on what an attorney can do, including gifting and setting up trusts LPAs and discretionary fund management, and the Office of the Public Guardian's reversed guidance on discretionary fund management (now allowed unless the document says otherwise) what happens when an attorney themselves loses capacity, and whether a will can be changed or revoked What can you expect to take away? Watch or listen and you'll gain a clearer idea of the role of wills and LPAs so you can spot the planning opportunities. Useful links We’ve listed useful links below, as well as all the places you can catch up on the Assembly. If you watch the Replay at Crowdcast, you can also see the very active Chat contributions posted throughout the session. CPD: Grab your certificate Watch in Crowdcast (with chat) What if someone dies without a will? Power of Attorney info for Northern Ireland Article on charitable gifting and unused pensions Article on deeds of variation covering setting up trust through a DOV Technical guidance from Quilter Quilter’s support page for paraplanners Tools and calculators from Quilter Hosted on Acast. See acast.com/privacy for more information.

September 8, 202656 min

The Self-Assembly Paraplanning Show for September 2026

Thanks for tuning into this Self-Assembly Paraplanning Show. Just so you know, guests appear in a personal capacity and not on behalf of the business that employs them – even if it's their own business! Anyway, in this month's Show, host and ParaplanX founder Jawaad Tanwir is joined by Ceetal Katechia from Cooper Parry Wealth and Luke Sparkes from Sparkes Paraplanning for this month's unscripted conversation in which paraplanners compare notes on what's happening in their world and the wider paraplanning profession. Among the things on Jawaad, Ceetal and Luke’s minds in September 2026 are: The incoming pension and IHT changes – especially the work they’re doing to help clients try to simplify things before April 2027 The way the focus of client and adviser conversations have shifted from decades of ‘don't touch your pension’ to factoring pension savings into IHT calculations – it’s a big change The FCA's simplified advice proposals: what could a more streamlined process mean for the advice gap? Is there a risk of sacrificing the place of professional judgment in the interests of speed? Could a reduced suitability letter serve some clients better anyway? Where AI does and doesn't fit into paraplanning UK life expectancy fell over the last decade so what might that mean for cashflow assumptions? And more generally, what are the wider forces shaping how people plan for their financial futures? This is a wide-ranging chat among paraplanners which covers some crunchy and very topical issues. Is what’s on your mind on the mind of other paraplanners? Listen now and find out. Useful links Ceetal and Luke mention a couple of reviews and consultations by the Financial Conduct Authority. Here are the links: Simplifying the pensions and investment advice rules (FCA CP26/10) Thematic Review of Retirement Income Advice (TR24/1) AI in this episode We used Adobe Podcast's Enhance tool to clean up audio levels and quality, and Async's text-to-voice feature to generate the listener message at the start of the episode. Hosted on Acast. See acast.com/privacy for more information.

September 3, 202634 min

Westminster Watch: Burnham, budgets and by-elections

In their regular quarterly political catch-up, host Leanne Pickering from Pivotal Paraplanning and self-invested pensions technical specialist at Barnett Waddingham (soon to be called Howden), James Jones-Tinsley, to chat about political goings on over Parliament’s summer recess, and what paraplanners should look out for in the new Parliamentary session. Their conversation covers: Andy Burnham’s by-election win and rise to become the UK’s new Prime Minister Ministerial appointments in Burnham’s first Cabinet reshuffle including the arrival of John Healey as Chancellor of the Exchequer The Clacton by-election and what Reform's result there might tell us about the wider picture The run-up to the 28 October Budget – including possible changes to capital gains tax and a windfall tax on oil companies or banks; and Gaps left in HMRC's technical guidance on IHT and pensions – and the pressure that puts on personal representatives Leanne and James also discuss whether the new Prime Minister might call a snap election, and whether the IHT on pensions rules could yet change before April 2027. So if you like to keep half an eye on Westminster, this one's well worth your time. Hosted on Acast. See acast.com/privacy for more information.

August 27, 20261 hr 0 min

IHT: the details that could trip up paraplanners

Even very experienced paraplanners can trip over obstacles lurking in the shadows of IHT. So we invited Aegon’s tax and trusts manager, Elaine Cruickshank, to join host, Richard Allum, for an online Assembly to help you dodge the IHT perils. Over the course of one lunch-hour, Elaine: untangles the transferable nil rate band and residence nil rate band, including the detail that trips people up around second marriages and downsizing provisions gets into the finer points of gifting exemptions, PETs and CLTs, beyond the seven-year headline explains how the inclusion of pensions in estates affects the taper threshold, and what that means for clients close to the £2 million mark works through charitable giving and the 36% rate, including the added complications once pension funds are in the mix brings it all together with planning opportunities you can take straight back to your desk What can you expect to take away? Watch or listen now and you’ll have a sharper grasp of the IHT detail that’s easy to get wrong. Plus the confidence to spot these issues in your own client cases. Useful links Watch the Replay in Crowdcast Download slides: IHT the details that could trip up paraplanners Hosted on Acast. See acast.com/privacy for more information.