Your LifeTalk Insider #71

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Welcome back…

From LifeTalk and Adviser Growth Community this week:

Thanks to everyone who has subscribed to LifeTalk Insider - Let’s get stuck in…

Thinking about taking on an exciting new personal project in the new year?

Imagine achieving something truly memorable in 2025 - like writing your own book. Picture the moment you hand a copy to your clients, sharing your expertise in a way that lasts.

Not sure where to start?

The Financial Adviser Book Writing Programme is designed to guide you through every step. Across six webinars and one-to-one sessions, we’ll help you refine your idea, define your audience and master techniques to bring your book to life.

Advisers are already registering for next year’s programme, starting on 14th January with a repeat session on 20th January.

Ready to make it happen? You should join us here: Book writing course for financial advisers

Callum and 42 others: Can someone recommend a cashflow modelling software? Specifically one that's user friendly as a priority. Click…

LifeTalk and 16 others: What piece of software or app could you not live without? (or would really miss if you lost it) Click…

Kendra and 16 others: I passed my Level 6 advanced financial planning exam with the CISI (got my results yesterday). Does anyone know if this gives me a new designation or do I need the level 7 next for this? Click…

Tony and 13 others: If an individual passes away with a discretionary loan trust (multiple lives assured) in place and there is an outstanding loan of say £200k (and a chargeable gain of £100k causing tax at 40%) and the will did not state what should happen to the loan trust on death, do the trustees have to repay the outstanding loan back to the estate forcing the surrender of segments, thereby causing a chargeable gains (taxed at the marginal rate of tax assuming it’s surrendered in the same tax year of death)? Or can the loan be left to the spouse (as she’s the intended beneficiary to the outstanding loan anyway according to the will), therefore avoiding the surrender of segments? Click…

Paddy and 30 others: Client has c£800k in Ltd company account and they make c£250kpa profit. Between him and his co director wife they have c£350k of CF available for a pension contribution. No taper issues.

I've discussed this with one accountant I know who said if it creates a "loss" this can be carried into the next tax year. Has anyone done this in practice? The accounting forums seem to have differing opinions as well! Click…

LifeTalk member and 20 others: I’d like to try my hand at a few awards next year to raise my profile. Does anyone know what they base the awards on and how they make the decisions? Click…

Mark and 11 others: I am seeing a client later who has inadvertently paid into two Investment ISAs in this tax year. Bed & ISA that I arranged £9Kish the last of his GIA, then his own closet dabbling in ETFs with an iii ISA. In terms of choosing which ISA to have unwound and refunded, does it matter which had the earliest 2024-25 subscription or is it his choice? Click…

Nathan and 27 others: Seriously, this is the third time this month that I’ve had to wait over an hour to speak to someone at Aegon. How do they stay in business? Who is giving them business? Click…

👉 Need marketing and lead generation ideas for your business?

Marketing Edge is the ultimate weekly lead generation newsletter for financial advisers, packed with proven, actionable strategies to grow your business. Each edition delivers fresh ideas for attracting and retaining ideal clients, improving communication and generating referrals. You'll also find marketing tools, templates, and AI guidance to give you the edge in building stronger client relationships. Subscribe here…

LifeTalk member and 5 others: What’s the group’s thoughts on offering current clients vouchers / donation to charity of their choice if they refer someone who ultimately becomes a client? Click…

Michael and 15 others: Criminals…

I’ve been approached by a lady whose partner was jailed a few years ago for a minor crime (her words, not mine) and served half of his sentence. They want some financial planning, but she’s concerned companies won’t accept their business due to his past.

Our compliance team don’t seem to have a problem with it, but I’d appreciate the thoughts / suggestions from the more experienced minds in the group that may have come across this before. Click…

😮 The real prize of AI for IFAs, financial planners and advisers is nothing to do with streamlining processes, writing suitability reports or creating marketing content. True, it's a good place to start - but the real prize is much bigger than that. Click…

Garry and 24 others: Enquiry from a business owner who is looking to retire and wind down business (not sell) - it has £1m+ in cash and he is looking at most efficient ways to draw cash out of business - what options should we be looking at? His accountant is not very good and I've suggested he gets a new accountant. Click…

Posts from Adviser Growth Community this week:

👨‍💼 🙋‍♀️ Here’s why financial advisers like you are joining Adviser Growth Community

The Adviser Growth Community - brings together financial advisers experiencing change or transition in their business so that they can gain clarity whilst also attracting more of their ideal clients.

👉 Now with a 7 day free trial.

If that’s you, you should come and join us…

👉 Marketing technology - what's going to be big next

Daniel Priestly has long said that US elections are a great guide as to what's going to be big next in terms of marketing trends. From newspapers and radio to TV and then to social media, US elections have been won using popular and trending technology at the time.

Daniel pointed out a while ago how Obama monopolised social media, and now Trump has dominated podcasts. Here's what Daniel has said recently: Click…

👉 Video: How financial advisers can build relationships with accountants

The video, audio, summary and transcript are all within the classroom area, but here's a recording of our session with Johnny Ridd, CEO of RQ and an expert on how advisers can build relationships with accountants. Watch now…

🚀 Latest networking events

Here is the latest list of online and in person networking events around the UK. Click here…

😮 What are you REALLY skilled at?

You might be closer to your goals than you think – and your friends have insights that can help...

It’s easy to get caught up in day-to-day tasks, especially when you’re balancing client work, admin and keeping up with industry changes. But sometimes, the strengths that set you apart - your ace cards - get pushed to the background. Read more…

😮 What makes a great conference for financial advisers?

The PFS conference is imminent, and whilst not for everyone there are always some great presentations. But there are now a wide range of different events for advisers to attend - what for you makes a truly GREAT gathering/conference? Click…

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That’s it for this week…

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As always, thanks for reading and see you next time.

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And visit and join our brand new group Adviser Growth here:

For Financial Advice Professionals

• Marketing consultancy, adviser lead generation training and conference speaking

• Presentation and public speaking skills coaching

• LinkedIn coaching for financial advisers - one to one and groups

• Book writing mentoring to financial advisers

• AI Clones for financial advisers