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Did ‘cheap money’ skew how investors approached growth and value investing?Why is a higher cost of capital now making stock picking more critical again?Why you need to think about the mix between passive and active strategiesPeter Toogood, CIO and MD of The Adviser Centre joins our regular Embark Pod host, Roger Hearing, to unpick the growth and value investing question. Listen to Peter’s reflections on the tech bubble and burst, why everything has a price, and why he believes stock picking is back now that ‘cheap money’ has gone and financial conditions have normalised. Lastly, he covers the outlook for commodities and why equity income strategies are attractive again. Sign up to our Embark Adviser monthly newsletter for the latest insights from around the market, straight to your inbox! Follow us on Twitter and LinkedIn for more updates from Embark Group.

The latest Investor Confidence Barometer is now here! As part of its findings, Head of Propositions at Embark Group Jonathan Sandell  walks through some of the latest findings from the Barometer with Roger Hearing. Together they discuss Mergers and Acquisitions within the Advice Industry, and how 77% of advisers agreed that consolidation in the advice industry is ultimately a good thing for consumers; a nod towards our recent findings on Consumer Duty... 📈 How much demand or need is there to scale? 🏷 Why the future may be in white-labels Sign up to our Embark Adviser monthly newsletter for the latest insights from around the market, straight to your inbox! Follow us on Twitter and LinkedIn for more updates from Embark Group.

The latest Investor Confidence Barometer is now here! As part of its findings, Embark's Intermediary Distribution Director Ranila Ravi-Burslem speaks with Roger Hearing on the latest miniPod as they discuss investment confidence. As retirement confidence dips, are advised clients more confident than non-advised? ⛈ How dipping into a depleted pension pot bides for a perfect storm 👩‍💼 Is the value of advice more valuable than ever? 📰 How does world news impact the decision of investors? Sign up to our Embark Adviser monthly newsletter for the latest insights from around the market, straight to your inbox! Follow us on Twitter and LinkedIn for more updates from Embark Group.

The latest Investor Confidence Barometer is now here! As part of its findings, Embark Group CEO Jackie Leiper joins Roger Hearing on the latest miniPod as they discuss The cost of living and inflation. Our survey concluded that 29% of advised and 28% of non-advised consumers have reduced/will reduce the amount they save due to the higher cost of living... So how can we pay for today whilst keeping an eye on the future? 🗣 Are Advisers having conversations early enough? 🤝 Individual solutions means active engagement ⚖ Compromises that need to be taken Sign up to our Embark Adviser monthly newsletter for the latest insights from around the market, straight to your inbox! Follow us on Twitter and LinkedIn for more updates from Embark Group.

The latest Investor Confidence Barometer is now here! As part of its findings, Product Marketing Manager Andrew Phipps joins Roger Hearing on the latest miniPod as they discuss Consumer Duty - how advisors are 'buying into it' and what it ultimately means for customers. 🙈 Are Advisers still underestimating the true numbers? 👍 60% say Consumer Duty will be good for clients(!) 🎭 The two findings highlighting the intended and unintended effects Sign up to our Embark Adviser monthly newsletter for the latest insights from around the market, straight to your inbox! Follow us on Twitter and LinkedIn for more updates from Embark Group.

In our latest episode, Roger Hearing delves into the world of Consumer Duty and the latest updates announced by the Financial Conduct Authority (FCA). He is joined by Simon Hayter, National Sales Manager and Andrew Phipps, Senior Propositions Manager at Embark Group. Together they discuss: ⚠ What are the updates and when do they 'kick in'? 4️⃣ Key takeaways and the four outcomes 🤝 Make no mistake... ALL adviser firms, intermediaries, etc. will be be effected Remember; be sure to follow the Embark Group online and via social media across LinkedIn and Twitter to get the latest insights from across the industry! 👉 Sign up to our newsletter 👈 Follow us on Twitter and LinkedIn for more updates from Embark Group.

As 'Vulnerable Customer month' at Embark brings itself to a close, host Roger Hearing is joined by Jamie Drewett, Head of Distribution at Embark Group and Keith Richards, Chairman of the Financial Vulnerability Taskforce. Together they discuss: 🏡 Young couples going into a 25 year term mortgage... Are they vulnerable? 😕 Advisers: How can they help... should they? 💸 How do Vulnerable Customers 'cost' Advisers more money? Remember; be sure to follow the Embark Group online and via social media across LinkedIn and Twitter to get the latest insights from across the industry! 👉 Sign up to our newsletter 👈 Follow us on Twitter and LinkedIn for more updates from Embark Group.

August marks 'Vulnerable Customer month' at Embark, so in this episode host Roger Hearing is joined by James Smith, Team Leader and one of the 'Vulnerable Customer Champions' at Embark Group; as well as independent financial planner, Carole Haswell. Together they discuss: 🤔 Vulnerability: fact or fiction 🙄 Are these 'myths' stating the obvious? 😳 Poor digital skills? Have caring responsibilities? Inexperienced?... Are YOU vulnerable? Remember; be sure to follow the Embark Group online and via social media across LinkedIn and Twitter to get the latest insights from across the industry! 👉 Sign up to our newsletter 👈 Follow us on Twitter and LinkedIn for more updates from Embark Group.

It's official - being a Paraplanner is no longer a stepping stone to becoming an Adviser... it's a cornerstone of being able to deliver good advice to clients. Key Account Manager at Embark Group, Neale Smith is back to join Roger Hearing on the latest miniPod as they discuss the latest findings from 300+ people regarding paraplanning: 🤝 Paraplanners having more engagement with clients 🦾 Is the role of tech the great enabler? 📈 Challenging Advisers and adding value Sign up to our Embark Adviser monthly newsletter for the latest insights from around the market, straight to your inbox! Follow us on Twitter and LinkedIn for more updates from Embark Group.

Approaches to drawdown are a mixed bag to say the least. Advisers already have to task on their hands, not to mention FCA scrutiny, people living longer and difficult investing conditions. Key Account Manager at Embark Group, Neale Smith joins Roger Hearing on the latest miniPod as they discuss the latest findings from 5 interviews from those 'on the front line': 👀 How Advisers tackle the subject 😕 Volatility in retirement; each to their own? 👴 How nearly half of clients are looking at paying towards their own care in later life Sign up to our Embark Adviser monthly newsletter for the latest insights from around the market, straight to your inbox! Follow us on Twitter and LinkedIn for more updates from Embark Group.

In this second episode of series two, Roger Hearing kicks things off with Peter Toogood (Chief Investment Officer at Embark Group) as they talk about all things inflation. Is it here to stay? How will the next decade look? For those that are the 'price makers' and not 'price takers' - across both bond and equity markets - things could look pretty safe... for now. Topics covered in this episode also include: ❄ An economic 'cold war' 💪 Labour costs on the rise  📈 The winners and gainers Remember; be sure to follow the Embark Group online and via social media across LinkedIn and Twitter to get the latest insights from across the industry. Follow us on Twitter and LinkedIn for more updates from Embark Group.

Advised investors are almost twice as confident as non advised that their default portfolio is invested in line with their ESG values. If you want to know that your money is making a difference, do you really need a financial adviser? Head of Behavioral Science at Oxford Risk, Dr. Greg Davies joins Roger Hearing on the latest miniPod as they discuss the latest findings on ESG from Embark's latest Confidence Barometer. 🤔 Has the financial industry over-complicated the ESG market? 🤷‍♀️ ESG investments generally means lower returns... and clients don't mind 🔮 56% of advisers claim they can accurately measure client preferences... is this a little bold? Sign up to our Embark Adviser monthly newsletter for the latest insights from around the market, straight to your inbox! Follow us on Twitter and LinkedIn for more updates from Embark Group.