Adviser 3.0: The Podcast

Chris Palmer’s career didn’t start in financial services, and it nearly didn’t happen at all.
From the Navy to banking during the financial crisis, Chris worked his way into financial advice before making a move that would define his career: buying into the firm he joined.
In this episode, Chris shares his journey from employee to owner, the realities of equity and progression, and what it takes to build a business that lasts.
We also explore the challenges facing independent firms today, the pressure of regulation, and why true independence still matters in financial advice.
A must-listen for advisers thinking about ownership, succession and long-term career progression.

In this episode, we’re joined by Brian Hill, founder of Pathfinders and author of Everyone Exits: You’re Either Bought Out, Pushed Out, or Wheeled Out®
Brian shares what really happens when financial planning firms go to market and why many advisers are not prepared to sell. We explore valuation, buyer behaviour, and the most common mistakes that reduce deal value.
The conversation covers the gap between confidence and competence, the impact of unprofitable client segments, and why exit planning should start far earlier than most firms expect.
A must-listen for advisers thinking about succession, growth, or selling their business.

In this episode, David Gibson, Managing Director of Gibson Financial Planning, joins the podcast to discuss how mindset, values and purpose influence the growth of a financial planning business.
David shares how his firm evolved from a transactional advice model to a relationship-led financial planning practice built around long-term client work. Today the majority of the firm’s revenue comes from existing clients and ongoing relationships.
The conversation explores the self-limiting beliefs that often hold advisers back, particularly the fear that growing a business means sacrificing lifestyle, family or personal wellbeing.
David explains how confronting those beliefs reshaped his thinking and reignited his ambition for the firm.
We also dive into one of the most challenging aspects of advice: helping clients move from saving and accumulating wealth to actually enjoying it.
For advisers thinking about growth, impact and what financial planning is really about, this episode offers a thoughtful perspective on the role mindset plays in building both a successful firm and a meaningful career.

You Built It. Can You Afford to Sell It?
In Episode 126, Louise Jeffreys joins the show to discuss M&A, valuations and the market forces reshaping financial planning.
We explore what firms are actually selling for, how buyers assess value, and why succession should begin years before an exit is agreed. Louise explains the difference between buy-side and sell-side models, the role of private equity in consolidation, and the importance of cultural fit over headline price.
We also discuss the emotional side of selling, the risks that derail transactions, and what the next phase of the advice profession may look like.
If you are building a firm today, this is a conversation about the future.

Financial Advice at the AI Crossroads: Empathy, Expertise, and Human Touch in the Agentic Era
In this episode of Soapbox, Matt, Abraham and Philippa Hann explore the evolving role of artificial intelligence in financial services.
They examine whether AI challenges the empathy advantage of human advisers, the potential risks to entry-level roles, and the importance of protecting new professionals from scams. The discussion also addresses the debate around qualification standards and the persistent myth of market concentration risk.
A thoughtful conversation about how the profession adapts to technological change without compromising trust, competence and human judgement.