Just Covered

Happy Podcastiversay! We are so thrilled to be reaching the one-year anniversary of our podcast. It’s been an amazing journey filled with insights, opinions, and stories from advisers across the country. So thank you to all of those involved, and for making our first year a roaring success!

In this Christmas special episode of the Just Covered podcast, host Sam Oakes takes over as the interviewer and is joined by Hazel and Wayne, the usual hosts. They reflect on the past 12 months and discuss how the podcast has helped them in their jobs.

Also covering

• The last year of top tips
• Stand out moments of 2023
• What you can expect from 2024

Special Thanks to all our amazing guests, hosts, production team and to you, our listeners!

We look forward to what 2024 brings and to continue providing an authentic and raw experience, where guests share honestly and openly, allowing listeners to learn and potentially make changes in their own businesses.
If you feel you demonstrate brilliant customer outcomes and got your own story to share? Contact [email protected] if you are interested in appearing on our podcast

In this episode of the Just Covered podcast, hosts Hazel and Wayne are joined by Wayne Griffiths from One Financial Solutions. He shares his journey to becoming an independent financial adviser after starting in the financial services industry in the 1990s.

Wayne discusses the challenges and uncertainties he faced during this transition and how joining a network helped to ensure compliance and support.

This episode also covers

• The importance of being nosy and storytelling with your clients
• How to approach certain clients
• Intergenerational planning and equity release.
• Mental health and the importance of checking in on each other

Overall, the episode highlights the need for compassion, collaboration, and support within the financial services industry. By working together and fostering a sense of community, professionals can navigate the challenges of their job and create a more positive and inclusive work environment.

Useful links

Bank of family –https://www.legalandgeneral.com/adviser/bank-of-family/

Charity mentioned -Men’s Mental Fitness charity - https://talkclub.org

Mind - https://www.mind.org.uk/

Dubbed the “Queen of Claims” by her colleagues and with an ability to keep protection advice both relatable and understandable – it is safe to say Amy Whittingham is one of the industry’s leading protection advisers.

Amy shares with Hazel and Wayne some candid stories of where the cover she has set up has made a difference to her clients as well as exploring how to navigate the protection conversation within the wealth space.
This episode is a must for any adviser dealing with customers in the wealth space and any advisers who are time short and want to refer their clients over to a protection specialist.
We cover:

• Amy’s journey and what it meant to be Future Proof’s first ever employee
• The reasons why it is crucial to be having a robust and holistic protection conversation
• The importance of true listening and taking the time to find the right solution
• Balancing affordability, wants and needs when it comes to protection advice
• Why we should never walk past a protection conversation, even if it looks like the customer is fully covered

If you are experienced in financial planning, mortgage or protection advice and would like to feature on future episodes, please reach out to [email protected]. Please also get in touch with any topics you would like us to cover on this podcast.

Useful Links

Deadline to breadline

Protection Success

Claims case studies

We are excited to bring to you an extended “Technology Special”! The world of technology has an ever-changing landscape and evolves at such a pace so how can advisers keep abreast of the tools that can enhance their role, their customer service and provide them time to advise on protection? James Adams, Director of My Simple Mortgage, and Thora Kehoe Chief Product Officer at Smartr365 spent time with Wayne and Hazel to uncover some of the truths around using technology in our industry, how it can enhance customer relationships, help keep advisers on the right side of compliance and drive efficiencies. All these aspects are key to running a successful business and in turn, provide extra time to provide great advice to our customers.

In this episode, James shares how he has embraced and incorporated technology into his business and Thora shares some of the key facts advisers should keep in mind when looking at adding technology enhancements to their strategy. This episode is a must for any adviser considering how they can utilise technologies within their business.
We cover:

• James’s journey to adding technology into his business and some of the challenges and learns along the way
• The reasons why technology could help keep your business compliant, especially in the new world of Consumer Duty.
• What a “data prisoner” is and how to avoid becoming one
• The questions to ask of a technology provider before committing to add them to your business strategy
• Some of the ways James’s team uses the extra time that technology provides them and why this helps create a successful environment for advising on protection

If you are experienced in financial planning, mortgage, or protection advice and would like to feature in future episodes, please reach out to [email protected]. Please also get in touch with any topics you would like us to cover on this podcast.

With 60% of businesses stating they’d cease trading within 12 months of losing a key person and 75% of businesses having some form of borrowing*, there is a clear need in the market for business protection advice. This is where Nathan Ansell comes in, owner of Hend Consulting Ltd. Nathan set up Hend Consulting Ltd just under 5 years ago to specialise in business protection.
In this episode Wayne and Hazel explore Nathan’s journey into the business protection market and what he has learned along the way from the challenges he has faced. If you are looking to expand your business protection sales or generate leads within this market, Nathan expertly shares how he does this and why he feels giving this advice is imperative to achieving good client outcomes.
We cover:

• Nathan’s journey in to specialising in Business Protection and how he has grown his business in this area
• The different Business Protection client types and how to approach them
• How Nathan generates leads and demonstrates the need for multiple products to his clients
• What to look out for within a fact find to support Business Protection recommendations

During the episode we refer to Legal & General’s State of the Nation, SME Report 2021. To review this research and download the report follow this link: State of the Nation | Legal & General (legalandgeneral.com)
If you are experienced in financial planning, mortgage or protection advice and would like to feature on future episodes, please reach out to [email protected]. Please also get in touch with any topics you would like us to cover on this podcast.
*taken from Legal and General State of the Nation research 2021