Informed Choice Radio Personal Finance Podcast
597 episodes - English - Latest episode: about 1 year ago - ★★★★★ - 6 ratingsWelcome to Informed Choice Radio, the personal finance podcast all about achieving your financial goals in life. New episodes are published every Friday, featuring expert interviews and practical tips for making the most of your money. Your host for Informed Choice Radio is Martin Bamford; a Chartered Financial Planner, Fellow of the Personal Finance Society and personal finance author. Contact Martin at [email protected] with any comments or questions. You can find show notes and archived episodes at https://icradio.co.uk/episodes/.
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Episodes
ICR297: How to earn more and spend less in 2018
January 05, 2018 01:00 - 31 minutes - 29.2 MBIn this episode of the podcast, I'm talking about some very practical ways to earn more and spend less money in 2018. There's also a roundup of the latest personal finance news, details of the January book choice for the new Informed Choice Radio book club, and the aftershow segment.
ICR296: Your Resolutions for 2018
January 01, 2018 01:00 - 28 minutes - 26 MBHappy New Year! It's that time again, that time when we make our resolutions for the year ahead. Today on the podcast, it's all about resolutions. I'm going to be talking about why 92% of people fail to keep their New Year's Resolutions and how you can keep yours. I'll also share some important personal finance resolutions for 2018, before sharing my own goals and my resolutions for this podcast too!
ICR295: Informed Choice Radio Rewind 2017 (Part Two)
December 29, 2017 01:00 - 28 minutes - 25.7 MBThis is Part Two of a two part special rewind this week, looking back at some of my favourite podcast interviews of 2017. On Monday in Part One, I shared clips from eight of the interviews we published between January and June this year. We shared conversations with Dan Hannan, Canna Campbell, Malene Rydahl, Tasneem Clarke, Kate Raworth, Pete Matthew, Erin Lowry and Danielle Marchant. In part two today, the best bits from interviews published between July and December.
ICR294: Informed Choice Radio Rewind 2017 Part One
December 25, 2017 01:00 - 31 minutes - 28.8 MBin this special two part episode, I’m sharing some of my favourite podcast moments from the past year. In Rewind 2017 Part One, I’m sharing some interview excerpts from episodes published between January and June. Part two which will be out on Friday will include interviews from July to December.
ICR293: The Best Ways to Protect Your Estate
December 22, 2017 01:00 - 48 minutes - 44.7 MBToday on the podcast, I’m joined by three solicitors to talk about estate planning – what are the best ways to protect your estate? Louise, Isabel and Catherine from Hart Brown Solicitors in Cranleigh came into the office earlier in the week, and we sat around the meeting room table to talk about wills, lasting powers of attorney, trusts, and generally working with a solicitor. There’s also a roundup of the latest personal finance news – this week with a Christmas flavour – and the after...
ICR292: Nick Tucker, Wealth & the Next Generation
December 18, 2017 01:00 - 21 minutes - 19.4 MBMy guest on the podcast today is Nick Tucker, Head of UK Domestic at UBS Wealth Management. Nick is the author of a new report called What's it all for?; Wealth and the next generation. The question of what wealth is fundamentally for has no single answer, and will be a deeply personal matter for most individuals. UBS have created a report that brings together eight different case studies, highlighting some of the real challenges and dilemmas faced by different families when it comes t...
ICR291: My two cents on Bitcoin
December 15, 2017 01:00 - 36 minutes - 34.3 MBIn this episode of the podcast, my two cents on Bitcoin. Is it the first genuinely successful get rich quick scheme in history, just a bunch of nerds and drug dealers speculating on a harmless game, or something far more sinister? I also chat to Bill McQuaker, portfolio manager in Fidelity International's Solutions team. We talk about how investment markets have performed in 2017, the outlook for next year, and Bill's own views on Bitcoin.
ICR290: Ross Clark, War Against Cash
December 11, 2017 01:00 - 30 minutes - 28.1 MBMy guest on the podcast today is Ross Clark, author of The War Against Cash: The plot to empty your wallet and own your financial future – and why you MUST fight it. We're constantly being told that we are on the cusp of a cashless society. And if you're anything like me, more and more of your financial transactions are becoming cashless. According to Ross Clark, the financial services industry would certainly like to see it that way. We're being enticed with contactless cards, mobile ph...
ICR289: The Do’s & Don’ts of the World’s Best Investors
December 08, 2017 01:00 - 31 minutes - 29 MBIn this episode, I'm sharing my chapter from the newly published Harriman's New Book of Investing Rules: The Do's and Don'ts of the World's Best Investors. I also pick a few of my favourite tips from other contributors to the book.
ICR288: Stewart Cowley, Man vs Big Data
December 04, 2017 01:00 - 27 minutes - 25.7 MBMy guest on the podcast today is Stewart Cowley, author of the new book Man vs Big Data. Stewart is a regular columnist for the Sunday Telegraph and the financial magazine Citywire. He's a regular guest on BBC Newsnight, Radio 4 and SKY News. Having worked in finance in New York and London since the 1980s, Stewart is now passionate about reporting on economics, and Man vs Big Data is his latest book taking a deep dive into an interesting topic. Man vs Big Data distills the complexities...
ICR287: Well&Truly and Enterprise Investment Schemes
December 01, 2017 01:00 - 26 minutes - 25.5 MBIn this episode of the podcast, I'm talking about Enterprise Investment Schemes, before sharing an interview with the founders of Well&Truly, an exciting new British business that has benefited from EIS funding. Enterprise Investment Schemes are topical at the moment after an announcement about them in the Budget last week. What is an EIS? How does it work? Who is it suitable for?
ICR286: Christin ter Braak-Forstinger, Conscious Investing
November 27, 2017 01:00 - 23 minutes - 22.3 MBMy guest on the podcast today is Dr Christin ter Braak-Forstinger, author of the new book Conscious Investing. Dr Christin ter Braak-Forstinger is the founder of PVA Advisory and the co-founder of Chi Impact Capital. She has a longstanding and professional track record in the area of strategic philanthropy- and impact investing advisory. Christin completed her postgraduate studies at Duke Law School and at Harvard Law School. Her dissertation and her master’s thesis received several awar...
ICR285: Getting to grips with the Budget (with co-host Kalpana Fitzpatrick)
November 24, 2017 01:00 - 33 minutes - 31 MBToday on show, we're getting to grips with the Budget. It was Chancellor Philip Hammond's first autumn Budget on Wednesday, always an exciting day in the world of personal finance, and today we're going to take a closer look at some of the key Budget measures.
ICR284: Paul Riseborough, Naked Banking
November 20, 2017 01:00 - 21 minutes - 19.4 MBMy guest on the podcast today is Paul Riseborough, Chief Commercial Officer of Metro Bank and co-author of Naked Banking: The Truth About Banks and You. We all depend on banks. They help us save and they help us spend. Yet for many they represent everything that's wrong with the world of finance. Poor service, high fees, creaking IT infrastructure and a market controlled by just a few providers have combined in recent years to create a personal banking crisis every bit as severe as the g...
ICR283: Improving your financial capability (with co-host Andy Webb)
November 17, 2017 01:00 - 31 minutes - 28.5 MBIt's Financial Capability Week and, in this episode, we're talking about improving your financial capability. Fincap Week is an annual event which takes place in mid-November (this year between 13th and 19th November 2017). Fincap Week celebrates, showcases and amplifies the work underway to improve financial capability and ultimately to improve financial wellbeing. The week is organised as part of the Financial Capability Strategy for the UK and aims to get more people talking about m...
ICR282: Dorie Clark, Entrepreneurial You
November 13, 2017 01:00 - 27 minutes - 25.1 MBDorie Clark is a marketing strategy consultant, professional speaker, and frequent contributor to the Harvard Business Review. Recognized as a “branding expert” by the Associated Press, Fortune, and Inc. magazine, she is the author of Entrepreneurial You, Reinventing You, and Stand Out, which was named the #1 Leadership Book of 2015 by Inc. magazine and one of the Top 10 Business Books of the Year by Forbes. It was also a Washington Post bestseller. Dorie’s latest book is Entrepreneurial...
ICR281: A Festival of Financial Planning
November 10, 2017 01:00 - 28 minutes - 25.8 MBEarlier this week I spent two days hosting Festival Radio at the Personal Finance Society Festival of Financial Planning. The event at Birmingham NEC was the largest financial planning conference ever in the UK, with 3,300 delegates, 75 speakers and 100 exhibitors. In this special episode of Informed Choice Radio, I share highlights from some of the the 39 interviews we recorded at the Festival, including conversations with Sir Vince Cable about Brexit, Baroness Ros Altmann on state pens...
ICR280: Neala Okuromade, What's Your Financial Game Plan?
November 06, 2017 01:00 - 21 minutes - 24.3 MBToday on the show, I'm joined by Neala Okuromade. Neala is known for her passion aimed at personal finance. She's the author of the book What’s Your Financial Gameplan? which deals with personal finance issues, founded on a long fascination for implementing practical solutions to everyday money problems. With over fourteen years’ experience in accounting, Neala is a member of the ‘Association of Certified Chartered Accountants’ during which time she has managed finance departments. Nea...
ICR279: They've only gone and put up interest rates
November 03, 2017 01:00 - 29 minutes - 55.7 MBThis week we're looking at the interest rate rise - interest rates in the UK doubled this week, from 0.25% to 0.5%. Is this the start of a trend towards higher interest rates? Did it come too soon for the fragile economy? What does it mean if you're a borrower or a saver?
ICR278: Nicole Yershon, Turning Disruption Into Advantage in Business and Life
October 30, 2017 01:00 - 22 minutes - 25.9 MBToday on the show, I'm joined by Nicole Yershon, who knows a thing or two about disruption. Nicole is a maverick, inspiration and the original rough diamond. She's a consultant, speaker, judge, mentor and connector. Nicole works on the front line of innovation - bringing organisations kicking and screaming into the 21st Century. In that sense she properly defines disruption. Her new book is Rough Diamond: Turning Disruption Into Advantage in Business and Life. According to Nicole, in l...
ICR277: Bringing forward your Bill Free Day
October 27, 2017 01:00 - 29 minutes - 33.7 MBToday on the show, we're talking about your Bill Free Day and how to make it happen earlier in the year. I'm joined by personal finance broadcaster Georgie Frost who shares a few tips. If you ever feel like you're spending too much money on household bills, and not enough on fun or the future, then this episode is for you.
ICR276: Dan Ayling & Kieran Lynn, The Trap
October 23, 2017 01:00 - 17 minutes - 19.7 MBToday on the podcast, I'm chatting to playwright Kieran Lynn and theatre director Dan Ayling, two of the creative team behind The Trap, a hilarious new comedy that's receiving its European premiere at the Omnibus Theatre in Clapham from 31st October to 19th November. Kieran Lynn is an award-winning playwright. In 2012 he won the Nick Darke Award for his play Wild Fish. His play, An Incident at the Border was performed at the Finborough Theatre; a critical and commercial success the produ...
ICR275: What an interest rate rise will mean for you
October 20, 2017 01:00 - 21 minutes - 24.8 MBIn today's episode, I'm looking at interest rates - how likely are they to rise next month, and what would any rate rise mean for your personal finances? There's also a roundup of the latest personal finance news and the aftershow, where I share some news from the world of Informed Choice.
ICR274: Robert Carver, Smart Portfolios
October 16, 2017 01:00 - 35 minutes - 40.7 MBToday on the show, I'm joined by Robert Carver, to discuss his new book, Smart Portfolios: A practical guide to building and maintaining intelligent investment portfolios. Rob is an independent investor, trader and writer. He spent over a decade working in the City of London before retiring from the industry in 2013. Rob's new book Smart Portfolios is about building and maintaining smart investment portfolios. At its heart are the three key questions every investor needs to answer; wha...
ICR273: Putting a price on happiness (with co-host Faith Archer)
October 13, 2017 01:00 - 23 minutes - 27.1 MBCan money buy you happiness? That's our topic for this episode, with some new research aiming to place an actual monetary amount on being happy. The latest research from SunLife reveals that while cash and happiness are related, you don’t need to a millionaire to be happy – just £82 spare per week. In this episode we talk about how money is linked to happiness, some ways to find that extra spare cash each week, and why spending money on experiences leads to greater happiness levels than ...
ICR272: Scott Mautz, Find the Fire
October 09, 2017 01:00 - 33 minutes - 38.8 MBToday on the show, I'm joined by Scott Mautz. Scott led several of Procter & Gamble’s largest multi-billion dollar businesses before becoming an award-winning speaker and author through his business Profound Performance. He was named a “CEO Thought-leader” by the CEO Executive Guild and a “Top 50 Leadership Innovator” by Inc. Magazine, He also teaches leadership and employee engagement at Indiana University. Scott's new book is Find the Fire: Ignite Your Inspiration--and Make Work Exci...
ICR271: How to declutter your personal finances (with co-host Katy Kicker)
October 06, 2017 01:00 - 32 minutes - 37.4 MBThis week on the show, we're talking about how to declutter your personal finances. Katy and I chat about why it's so important to declutter when it comes to your personal finances, before sharing a few of our own tips for decluttering. Katy Stevens Katy Stevens is a money blogger known online as Katykicker. Katy started Katykicker because she was making money online and people wanted to know how. She’s happy knowing that she is able to share money making and saving websites and ti...
ICR270: Ruth Williams, Walking in the Rain
October 02, 2017 01:00 - 26 minutes - 30.9 MBMy guest on the show today is behind a beautiful new book called Walking in the Rain. Ruth Williams is Managing Director at Department Store for the Mind. She's a business psychologist with a Masters Degree in Occupational Psychology. The Department Store for the Mind is described as a place to explore the world inside your head: a vast and unique terrain of thoughts, ideas, emotions and memories. They believe think the journey into our own minds is the most challenging but worthwhile ...
ICR269: Stemming the tide of rising consumer debt (with co-host Kalpana Fitzpatrick)
September 29, 2017 01:00 - 33 minutes - 38.6 MBThis week on the show, we’re talking about stemming the tide of rising consumer debt. This is for you if you’ve got any unsecured consumer debts – things like store cards, credit cards, overdrafts, personal loans, car loans. We also discuss some of the issues with rising debt levels in the UK and how you can tackle any debts you might have. Introducing Kalpana Fitzpatrick Mummy Money Matters was launched by Kalpana Fitzpatrick, a well-respected financial journalist, broadcaster and p...
ICR268: Beth Kempton, Freedom Seeker
September 25, 2017 01:00 - 32 minutes - 37.7 MBBeth Kempton is lifelong adventurer whose quest for freedom has taken her to the ends of the earth, and given her a catalogue of wild and crazy experiences. Beth has lived, worked and travelled in 50+ countries on every continent. She has worked with UN agencies, global brands and NGOs all over the world, advising on corporate social responsibility, instigating projects that have raised over $10 million for charity and earning a Master's degree in Japanese. That was all before she fo...
ICR267: Christmas is coming! (with co-host Lynn James)
September 22, 2017 01:00 - 30 minutes - 34.6 MBIt's now less than 100 days until Christmas, so for those of us who like to plan ahead, it's really not that long to go. We've seen some new research this week which shows consumers start their Christmas shopping as soon as they see festive items in the shops, which can be as early as September, but it still takes 42 shopping trips and 37 hours of planning until they are finished with Christmas shopping. Lynn and I discuss effective Christmas shopping, gift inspiration and saving money d...
ICR266: Marion Shoard, How to Handle Later Life
September 18, 2017 01:00 - 30 minutes - 34.5 MBMy guest on the podcast today is Marion Shoard. Marion is acclaimed for her work in environmental activism. She is best known for her work concerning access to the countryside and land use conflicts. Since 2004 she has also worked in the field of older people's issues, the subject of her latest book and our discussion today. Marion was pitched into the world of older people's issues when her mother lost her sight and developed dementia. She set about assembling the straight-talking gui...
ICR265: What's in your wallet? (with co-host Andy Webb)
September 15, 2017 01:00 - 33 minutes - 37.9 MBToday on the show, we're talking about what's in your wallet and all things payment cards. It's the tenth anniversary of contactless payments in the UK, and we're also going to look at the pros and cons of charge charges and reward cards. The first contactless cards in the UK were launched in September 2007, with 111 million in issue in June 2017. During the first half of this year the amount spent using contactless technology (£23.23 billion) almost matched the amount spent in the who...
ICR264: Jean Chatzky, Living Longer Without Running Out of Money or Breaking a Hip
September 11, 2017 01:00 - 22 minutes - 25.9 MBHave you ever considered the link between health and wealth that could add years to your life and dollars (or pounds) to your retirement savings? My guest on the podcast today is co-author of a new book that aims to get us all talking about this vital link. Jean Chatzky is a leading personal expert in the US. She's the long-time financial editor for NBC’s TODAY show, an award-winning personal finance journalist, a best-selling author and host of HerMoney with Jean Chatzky - a podcast for...
ICR263: Underestimating the cost of care (with Faith Archer)
September 08, 2017 01:00 - 29 minutes - 34.3 MBAccording to some new research, people in the UK are underestimating the cost of elderly care by £7bn every year. That's according to research from Scottish Widows’ independent think tank, the Centre for the Modern Family. On average, UK adults estimate that residential care would cost £549 a week – when in reality it costs on average £866 for a place in a nursing home – leaving a shortfall of £317 every week. In this episode, we talk about why people often underestimate the cost of care...
ICR262: Erin Odom, More Than Just Making It
September 04, 2017 01:00 - 28 minutes - 32.9 MBWhat happens when you get trapped in a cycle of financial frustration? When it feels like everything you try to get out of debt and back on track financially is failing? My guest on the podcast today is Erin Odom, founder of The Humbled Homemaker, a blog dedicated to grace-filled living and designed to equip and encourage mothers in the trenches. Erin joins me today to talk about reaching her own financial breaking point and the lessons it taught her. After growing up in private school...
ICR261: Real world maths skills (with Katy Kicker)
September 01, 2017 01:00 - 32 minutes - 37.2 MBIn this episode of Informed Choice Radio, what are the real world maths skills we should be teaching in schools? I'm joined by Katykicker to chat about new research that has found that more than three in five millennials in the UK have never used GCSE maths skills in everyday life, things such as algebra and trigonometry. There's also a roundup of the latest personal finance news and the aftershow segment too. Introducing Katy Stevens Katy Stevens is a money blogger known online as ...
ICR260: Liz Zeidler, Happy City
August 28, 2017 01:00 - 35 minutes - 40.5 MBMy guest on the show today is founder of a charity which exists to get people talking, thinking and moving towards what really matters. Liz Zeidler is chief executive of Happy City. Her mission is to improve lives, our society and our planet through an increased focus on happiness and wellbeing. This may all sound sweet and fluffy but that is only because what we mean by ‘happiness’ has been corrupted. Happy City wants to reclaim happiness from commercial triviality and make it a guiding...
ICR259: Demystifying car finance with Stuart Masson, The Car Expert.
August 25, 2017 01:00 - 42 minutes - 49 MBThis week on the show, I'm talking about demystifying car finance and I'm joined by Stuart Masson, founder of The Car Expert. There's also the aftershow segment, which this week includes an important announcement about this podcast, so stay tuned to find out more. Stuart Masson Stuart founded The Car Expert in 2011. Originally from Australia, he's got a passion for cars and the car industry. He spent a decade in automotive retail, and now works tirelessly to help car buyers by prov...
ICR258: Humphrey Bowles, Insurance for the Sharing Economy
August 23, 2017 01:00 - 28 minutes - 32.9 MBMy guest on the show today is Humphrey Bowles. Our conversation cover two main areas, which Humphrey and his team have brought together through GUARDHOG; that's insurtech and the sharing economy. You're probably already familiar with the sharing economy, but insurtech might be a new term for you, like it was for me. Insurtech refers to the use of technology innovations designed to squeeze out savings and efficiency from the current insurance industry model. Humphrey's business GUARDHOG...
ICR257: Michael Nicholas, Making Complex Decisions with Confidence in a Fast-Moving World
August 21, 2017 01:00 - 28 minutes - 32.3 MBHow to do you make your decisions? The decisions we make every day – frequently automatic and incredibly fast – impact every area of our lives. My guest on the show today is an expert when it comes to making decisions in an increasing complex world. Michael Nicholas is author of The Little Black Book of Decision Making. His book delves into the cognition behind decision making, guiding you through the different ways your mind approaches various scenarios. Michael is a coach, corporat...
ICR256: Opening the Bank of Mum & Dad (with Mrs Mummypenny)
August 18, 2017 01:00 - 33 minutes - 38 MBThis week on the show, what are the risks to consider when it's time to open a branch of the Bank of Mum & Dad? Introducing Mrs Mummypenny My co-host for this episode is Lynn James, otherwise known as Mrs Mummypenny. Lynn left the corporate world in June 2015 to run Mrs Mummypenny, a personal finance & lifestyle brand. She launched Mrs Mummypenny in 2013 whilst on maternity leave with her youngest son and kept it going as a hobby when she returned to full time work. Lynn has always...
ICR255: Ray LeVitre, Retirement Decisions You Need To Make Right Now
August 16, 2017 01:00 - 22 minutes - 25.9 MBMy guest on the show today is Ray LeVitre. Ray is Managing Partner of Net Worth Advisory Group, based in Utah. He's a Certified Financial Planner and Member of the National Association of Personal Financial Advisors. Ray's gained a unique perspective of the financial industry during his 19 years of experience. Ray has worked as representative for one of the nation’s largest mutual fund companies; as a bank investment representative at one of the nation’s largest banks; and as an insuranc...
ICR254: Tim Albert, A Baby Boomer's Journey
August 14, 2017 01:00 - 27 minutes - 31.1 MBHello and welcome to this episode of Informed Choice Radio. My guest on the show today is Tim Albert. Tim was born in 1947. He studied psychology and sociology at Surrey University and then trained as a journalist on local newspapers in Devon. In 1973 he moved to London and started working on national newspapers, and specialised in education. In the 1980s he became a medical journalist, and in 1990 set up as a trainer, specialising in writing and editing skills for health professionals....
ICR253: How to get Generation Debt back on track
August 11, 2017 01:00 - 34 minutes - 39.1 MBThis week on the show, we're talking about how to get Generation Debt back on track. Insurer LV= has published some new research which has found renters among the late-Millennial generation (25-34 years old) are one of the least financially resilient groups in the UK. Based on research conducted with over 9,000 people, the first instalment of LV=’s ‘Income Roulette’ research found that more than half (55%) of 25-34 year olds fall short of the Money Advice Service (MAS) recommended amount...
ICR252: Spencer Jakab, Why Smart Investors Fail
August 09, 2017 01:00 - 34 minutes - 39.5 MBHello and welcome to this episode of Informed Choice Radio. My guest on the show today is Spencer Jakab. Spencer writes for and edits the “Heard on the Street” column for The Wall Street Journal and previously wrote its daily investing column, “Ahead of the Tape.” He has also written about investing for the Financial Times, Barron’s, and Dow Jones news wires. Prior to becoming a journalist, he was a top-rated stock analyst covering emerging markets at Credit Suisse. His first book is...
ICR251: Marion McGovern, Thriving in the Gig Economy
August 07, 2017 01:00 - 30 minutes - 34.8 MBMy guest on the show today is Marion McGovern. Marion was the founder and CEO of M Squared Consulting, one of the first gig economy talent intermediaries before the term was even coined. She also founded Collabrus, a company focused on independent contractor compliance. Marion is the author of A New Brand of Expertise: How Independent Consultants, Free Agents, and Interim Managers Are Transforming the World of Work. Her new book is Thriving in the Gig Economy. So much has change...
ICR250: It's time for me to answer some questions
August 04, 2017 01:00 - 46 minutes - 53.7 MBThis week on the show, as we celebrate the milestone of 250 podcast episodes, I answer questions from some past guests. A big thank you to Iona Bain, Pete Matthew, James Wallman, Jon 'JB' Beckett and Kelly Eroglu for sharing their questions. Thank you also to Richard Hanson, an Informed Choice Radio listener who I bumped into last weekend and asked to record a question for the share! Most importantly, thank you for listening and continuing to support Informed Choice Radio. With 250 e...
ICR249: Rob Dix, The Property Geek on How To Be A Landlord
August 02, 2017 01:00 - 28 minutes - 32.3 MBMy guest on the show today is Rob Dix, someone who you may well already know if you're at all interested in the world of property investing. Rob is co-host of the incredibly popular The Property Podcast, along with Rob Bence. He's also founder of the Property Geek blog and podcast, and author of several popular property investing books. Rob's new book is How To Be A Landlord; a straightforward guide to everything involved in letting and managing a property – whether you’re an accidental ...
ICR248: Dawid Konotey-Ahulu - Behaviour, Fintech & Ageing
July 31, 2017 01:00 - 39 minutes - 45.6 MBToday on the show I'm joined by the excellent Dawid Konotey-Ahulu, co-founder of Redington. Redington advises large pension funds around the world and believes there is a way to solve the pensions challenge, and that it involves bringing together great minds in conversation, as well as connecting unlikely dots to provide new and better ways for pension funds to reach their goals. Dawid qualified as a barrister of Lincoln’s Inn in 1987, before transitioning into banking to work for Natwes...