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Your LifeTalk Insider #82
The Weekly Newsletter for IFAs, Financial Planners and Financial Advice Professionals
LifeTalk Insider
March 21, 2025 • Estimated Reading Time: 9 minutes
Welcome back…
From LifeTalk and the Adviser Growth Community this week:
Thanks to everyone who has subscribed to LifeTalk Insider - Let’s get stuck in…
Poll: When it comes to AI, how would you describe yourself from these options? Click…
Edward and 13 others: Client has 21,000 shares from an LTIP. Gain will be £400k so about £72k CGT. Obviously to be tax efficient would recommend selling over various tax years, but client is retiring age 37 and will therefore have no other relevant income. Question…
Paul and 13 others: How are other firms calculating and justifying their sustainable withdrawal rates in cashflows (evidence based research)? I have seen firms using 6% plus of starting value rising with inflation on a deterministic (linear) basis. Click…
Financial Advisers - We need to be honest about AI
The AI conversation is everywhere - but many financial advisers tell us it feels overhyped and overwhelming because there is so much choice. You’re busy enough - what you actually need is:
Someone to filter the AI noise for you
Practical and easy ways to apply it (without jargon)
AI tools to support your personal and business development - not just speed up admin and compliance
A simple system that keeps you ahead on AI, without adding to your workload
👉 That’s exactly why financial advice professionals are subscribing to AI Essentials 🚀.
AI Essentials does what it says on the tin. It’s a weekly, plain English newsletter to help financial advisers get the most out of AI - for your business and for you personally. Take a look…
Hannah and 18 others: Headteacher, started drawing final salary pension last year from 60th, 80th and career average schemes. HMRC have now contacted her to say she owes £58k. She’s been in touch with an accountant, seems it’s down to going over the annual allowance in pension contributions for many years. Never did self assessments. Question…
Alan and 6 others: I'm looking to transition into a career as a regulated financial planner and would appreciate any pointers or opportunities around Woking, Surrey (but could be remote also). I have experience as a financial coach am open to employed or self-employed opportunities and can self-fund any necessary qualifications or exams. Question…
Phil: This business is downsizing because AI is impacting them faster than they were expecting. Click…
NEW! Financial Planner LinkedIn Profile Photo Frames - Now Available!
A great way to stand out on LinkedIn! 👉 Only £19.97 for a limited period for three different versions/colours. Click here and scroll down to order. We will then contact you to arrange your photo frame.
Want different wording? Let us know when we contact you. Got a question? Contact [email protected]
Adam and 12 others: Relevant life cover. I have a couple who are both directors in their limited company. Can they also be classed as employees for relevant life? I feel I should know this but can’t get clarification. Click…
Sarah and 12 others: I saw a client yesterday who receives a spousal pension from her husbands DB - husband passed away Dec 2022 - took the firm a year to pay out initially and they have written to her saying they mis-calculated the lump sum and annual pension she is entitled to - they are reducing her annual by 4k and demanding repayment of 42k in overpayment from their error. Question…
Paul and 20 others: Has anyone used CoPilot to 'listen' into a review meeting and it say what was NOT discussed or produce a completed tick list. i.e. in a review we would expect discussions around objectives, income, expenditure, risk, possibly performance and cashflow etc and it isolates if these areas are covered (or not). Click…
Aron and 7 others: Does anyone know if Teacher's Pension Scheme contributions are taken from net pay or gross pay, and if it's gross, is it akin to Net Pay Arrangement or Salary Sacrifice (do they still pay NI on the full income)? I can't seem to get a straightforward answer on their website, so perhaps it's school-specific? Click…
Philip and 24 others: Timeline MPS Users - Ignore the investment process for now.
Could you please tell me your impressions in terms of service ? Any mistakes on rebalancing with the platforms? What else do you get bundled with it? Also as far as DD is concerned. we all comfortable with this group and where it’s heading? Click…
Posts from the Adviser Growth Community:
Join now with a 7 day free trial
AI isn't just there to speed things up - it's also there to slow you down
There’s a common misconception that great business coaches are the ones who always have the answers. In reality, the best coaches don’t tell you what to do. They help you see more clearly, ask the right questions and challenge your thinking so you can make sharper decisions and set your own direction.
It’s the same when it comes to AI.
Right now, the conversation around AI in financial advice tends to focus on back-office efficiencies - automating admin, producing content, suitability reports, saving time.
Exciting? Yes.
Game changing? Not really.
Building on your untapped skills
Most financial advisers already have untapped skills and strengths hiding in plain sight - whether it’s a standout service, a loyal client niche or a unique personal approach.
This ChatGPT prompt helps you uncover exactly what those strengths are and turn them into focused, practical growth strategies. It’s not about reinventing your business - it’s about sharpening what’s already working and amplifying it.
Copy and paste this: Click…
Where are you wasting time as a financial adviser?
Every financial adviser wastes time somewhere. Here’s a great ChatGPT prompt to reveal exactly where - and what to do about it. Copy and paste this: Read more…
AI can hold a mirror up to your financial advice business
Many financial advisers use AI to speed up admin tasks - but what if AI could help you see your business in a whole new way? AI isn’t just for efficiency; it’s for insight. It can highlight blind spots, uncover hidden opportunities and help you make smarter decisions.
Here’s a simple but powerful ChatGPT prompt to help you hold a mirror up to your business: Click…
👨💼 🙋♀️ 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…
That’s it for this week…
If you have enjoyed LifeTalk Insider, please forward this to your colleagues and suggest they subscribe here
As always, thanks for reading and see you next time.
Founder of LifeTalk
[email protected]
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Marketing consultancy, adviser lead generation training and conference speaking
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AI Clones for financial advisers
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