Money Marketing Panel 2015

Adviser Judges

Mark Anders

Director of Sales, Individual Protection

Friends Life

Mark has over 25 years’ experience in Financial Services and has a broad knowledge of pensions, investment and protection manufacturing and distribution. He started his career with Guardian Royal Exchange as a graduate trainee gaining a wide range of experience before focusing on the life and pensions sector. He has worked with a number of product providers in sales and marketing leadership roles including a number of start-up businesses. For the past 3 years he has worked for Friends Life, leading sales and marketing delivery in the protection market.

Paul Broadhead

Head of policy

Building Societies Association

Annabel Brodie-Smith

Communications Director

Association of Investment Companies

Annabel Brodie-Smith is Communications Director at the Association of Investment Companies (AIC). Her role is varied but chiefly focuses on communicating the uses and features of investment companies to the media, opinion formers, advisers and private investors. She regularly comments on investment issues in the media. She has led the AIC’s response to RDR and heads up a training and information programme for advisers and wealth managers.

Paul Budgen

Central Account Manager

Nest

Paul is a passionate pension professional with over 22 years’ experience. He is responsible for the delivery of NEST to intermediary groups and employers and has expertise in business development, marketing and proposition development. He is a member of the Chartered Insurance Institute.

David Butler

Director of Strategy and Change

Grainger

Dave Butler is Director of Strategy and Change at Grainger plc, the FTSE 250 residential property asset and fund manager and parent company of leading equity release provider, Bridgewater. Dave is responsible for ensuring that Grainger is appropriately structured and equipped to meet the challenges of changing investment markets and customer expectations. Dave’s career in Financial Services encompasses many areas including working with leading providers in setting up distribution structures and setting and executing corporate, IT and e-comm strategy.

Kevin Carr

Chief Executive

Protection Review

Kevin has worked in financial services since 1993 including Head of Protection Strategy with LifeSearch and Director of Protection Development with PruProtect. A previously qualified financial adviser Kevin has won many industry awards including accolades for protection advice and PR and in 2007 was voted the 2nd most influential person in the protection industry. Kevin now runs his own PR & consultancy firm and is Chief Executive of Protection Review. In 2011 Kevin was also named in the top 50 most influential people shaping the future of financial advisers in the UK. Kim has over thirty years’ experience in the retail financial services market and has worked with over one hundred financial services companies. The majority of consultancy provision has been for life and pension companies and investment houses. She advises on corporate strategic direction for providers and adviser firms as well as industry associations. Kim has vast experience dealing with regulators and has provided consultancy to the Treasury and many trade bodies and advice on Chartered Insurance Institute exams.

John Cowan

Executive Chairman

Sesame Bankhall Group

John's financial services experience now extends over 40 years. Most of his career was spent at Scottish Amicable where he was Sales and Marketing Director, Prudential as Group Sales Director and National Australia Bank / MLC Investments (Pivotal ) where he was General Manager. He has held a number of Non Executive Director roles for example at Paymentshield and The Consulting Consortium. Today John is the Executive Chairman at Sesame Bankhall Group, Chairman of Uinsure, Chairman of Mortgage Options. He lives in London, owns a house in Granada and is a fan of Celtic Football Club.

Louise Colley

Protection Director

Aviva

Damian Davies

Director

The Timebank

Damian is founder of The Timebank, the most established Paraplanning business in the UK.  At the time of its founding, Paraplanning was not such a recognised role, and Damian has worked to build its profile, having been co-opted to the Education Board for the IFP as well as presenting on the subject in other countries.

Chris Davies

Engage Insight

Chris thrives in customer-focused environments where he is passionate about enabling improvements based on an organisation’s and individual’s needs. A published author on client trust

Frank Eve

Managing Partner

Frank Eve Consulting

Chris thrives in customer-focused environments where he is passionate about enabling improvements based on an organisation’s and individual’s needs. A published author on client trust

Richard Farr

Chief Executive

Telos Solutions

Richard is Chief Executive of Telos Solutions, a successful business consultancy with a focus on the financial services sector. Alongside being an appointed Skilled Person firm for the PRA & FCA it's foundations are built on strategic development and change management consulting serving product providers, intermediaries and trade bodies. Before consultancy Richard was the AMI director who witnessed the genesis of the MMR, started the debate on individual registration of mortgage intermediaries and commissioned the Value of Mortgage Advice report. Prior to this Richard had a spent a couple of decades working in the retail banking sector for both proprietary and mutual organisations often with an intermediary distribution remit.

John Greenwood

Editor

Corporate Adviser

John Greenwood is editor of Corporate Adviser magazine. He was formerly deputy editor of the personal finance section of the Sunday Telegraph and deputy editor of Money Marketing. He is the author of the Financial Times Guide to Pensions and Wealth in Retirement.

Chris Hannant

Director General

APFA

Chris joined APFA in January 2012 as Policy Director and was appointed as Director General in June 2013.  Chris has 20 years' experience on public policy and working with government on a range of business and financial services issues.  Chris started his career working in the, then, Department for Trade and Industry and HM Treasury. In 2003, he joined the ABI working on regulation and distribution of general insurance and financial crime. Most recently he has been Policy Director at the British Chambers of Commerce and Head of Representation at the EEF, the manufacturers' organisation.

Cathi Harrison

Director

Para-Sols

Cathi is the founder and owner of Para-Sols; she has been in financial services since leaving university and is a Fellow of the Personal Finance Society as well as holding the Chartered and Certified Financial Planner status. Cathi is an award winning paraplanner, for both her paraplanning work and her entrepreneurial skills and also sits on the Board of Directors for the Personal Finance Society. Day to day she runs Para-Sols which has 12 staff across two offices. Outside of work, Cathi enjoys travelling as much as possible and ticking things off her bucket list.

Simon Hildrey

Partner, Head of Marketing and Distribution Strategy

Liontrust Fund Partners

Simon Hildrey has been Head of Marketing and Distribution Strategy for Liontrust since August 2014, having joined the company in July 2008 and previously been Head of Marketing and Communications. Before joining Liontrust, Simon was a financial journalist for 10 years, winning a number of awards, including IMA Freelancer of the Year and AIC Freelancer of the Year. Simon was a freelance journalist for six years and was Special Correspondent at Citywire and Editor of International Financial Adviser prior to that.

Richard Hobbs

Independent regulatory consultant

His first career was in the Civil Service where he worked on various consumer protection issues including prudential supervision of the insurance industry.  He is a former head of life and pensions at the Association of British Insurers where he worked on reputation of the industry in the light of pensions mis-selling.  In 2002 he founded a successful regulatory consultancy for a City law firm. Today he chairs an insurance company and advises a wide range of clients on regulatory issues.  He is also a Commissioner on the Guernsey Financial Services Commission.  

Mick James

Business Development Director

RGA

Mick has 20 years of financial services experience, the last 7 being with the Reinsurance Group of America (RGA) where Mick manages Scottish and Irish clients as well as leading globally on Enhanced Annuities. Mick has a special interest in distribution and business process and was named as ILAGs Practitioner of the Year in 2010 for work on speeding up claims processes. In his spare time Mick runs a charity in Africa; trains for ultra-distance running races; coaches canoeing and endures all the normal hassles of fatherhood.

Jamie Jenkins

Head of Workplace Strategy

Standard Life

Jamie has worked in pensions for over 25 years; including Operations, Product Development, Marketing, Policy and Strategy. He currently leads on strategy for pensions, and was heavily involved in the work on Pensions Reform and the Retail Distribution Review. Much of his time is currently devoted to the successful roll-out of automatic enrolment and the changes in retirement from April 2015. He previously led the Workplace Pensions operation, working with some of the largest corporate benefit consultants, intermediaries and clients on the implementation and management of their pension arrangements. Jamie is a regular speaker, blogger and Tweeter (@pensionsguy) on pensions, and has recently become a scheme trustee.

Steve Kenny

Director of Wholesales

Kames Capital

Malcolm Kerr

Senior adviser

EY

Malcolm Kerr is a Senior Adviser within Ernst & Young's EMEIA Financial Services division providing advice to the key providers in the life, pensions and retail investment markets and to major intermediaries. Before moving into professional services 14 years ago, Malcolm held a number of senior executive and board positions in the industry. Ernst & Young is a global leader in assurance, tax, transaction and advisory services with 155,000 staff operating in 160 countries.

John Lawson

Head of Policy, Pensions and Investments

Aviva

Richard Leeson

CEO

Adviser Advocate

Richard has worked with financial advisers across the UK for over thirty years in a variety of roles with providers including AXA, AEGON and Prudential. He has lectured on Inheritance Tax, Offshore Bonds and UK Bonds to adviser audiences and has acted as an expert witness in financial advice. He contributes articles and comment to the financial trade press on a range of issues facing advice firms.

Ian McKenna

Director

Finance & Technology Research Centre

Ian is a Financial Technology Evangelist, Futurologist and Singularitarian who is passionate about how technology can help people better understand their money and improve the quality of their lives. He believes there has never been a more exciting time to work in the personal finance market and that emerging technology can help advisers and other financial services businesses make a real difference to their clients’ financial health. He travels the world seeking out those firms that are transforming financial advice and guidance for consumers.

Having spent the first 15 years of his career working for insurers and financial advice businesses in 1995 he set up F&TRC, a specialist consultancy which focuses on the operational key issues around the distribution medium and long terms savings vehicles, other packaged financial products and the supporting technology. Having briefly worked as a personal finance journalist he continues to be a regular columnist for Money Marketing and Corporate Adviser magazines.

Malcolm McLean

Senior Consultant

Barnett Waddingham

Malcolm McLean currently works as a Senior Consultant with the actuarial and consultancy firm Barnett Waddingham. He was previously for 13 years Chief Executive of the Pensions Advisory Service (TPAS), in which capacity he built up a reputation as one of the country’s leading experts on pensions across the board. Malcolm is an active commentator on pension issues in the press (both national and trade) and regularly broadcasts on radio and television.  He became well known to daytime television viewers as the “resident pensions expert” on BBC2’s Working Lunch, a position he held for 9 years prior to the programme ending its run in July 2010. Malcolm was appointed OBE in 1997 for services to pensioners. Malcolm is married with one grown-up daughter. He lists his interests outside of work as current affairs, travel, and sport.

Mike Morrison

Head of Platform Marketing

AJ Bell

Kim North

Managing Director

Technology and Technical

As a columnist on Money Marketing, Kim provides regular commentary on areas such as the RDR, Treating Clients Fairly and IFA technology.  Kim has also appeared on many platforms as a speaker and panellist talking about how the compliance rule changes affect distribution and is a judge for many awards. Having successfully established two consultancy firms and a London CIty based IFA firm, Kim has valuable knowledge of what makes intermediaries and most importantly clients take action and select financial services products and services.

Debi O'Donovan

Editorial Director

Reward & Employee Benefits

Debi O'Donovan is an independent media expert specialising in the employee benefits marketplace. She has been an expert commentator, speaker and writer on the topics of pensions, reward and employee benefits for past 16 years and has a wide-ranging knowledge of this sector. She joined Employee Benefits, the UK’s leading information source on employee benefits, in 1998 and was its editor until November 2014. Debi now runs her own agency, Reward & Employee Benefits, consulting with clients in the pensions, reward, HR and employee benefits industry helping them to develop thought leadership content from videos, surveys and white papers to online articles, social media and client events.

Mark Polson

Principal

The Lang Cat

Mark Polson is founder of the lang cat, a specialist platforms and pensions consultancy. The lang cat works with IFAs and providers, helping them develop new propositions, turn marketing strategy into action and articulate their services in such a way that people without financial services degrees have a hope of understanding them. Bit by bit, it aims to make the industry just a little bit less corporate and stuffy and a little bit more human. Mark is a prolific writer, contributor to the trade press and public speaker, even when people ask him not to be. He recently won the 2013 Adviser Personality of the Year at the Professional Adviser awards, despite not being an adviser, which has to count for something.

Harriet Quiney

Partner

DWF

Harriet is a solicitor and partner in national law firm, DWF, specialising in defending claims against financial professionals, including IFAs, mortgage and insurance brokers. She acted for a large number of IFAs being sued by the FSCS in relation to “Keydata” and represented the successful defendant in Andrews v SBJ Benefit Consultants Ltd [2010], which clarified complainant’s rights in relation to the acceptance of FOS awards. In 2012, Harriet drafted submissions in relation to the FSA’s proposal to require a past business review of the sale of “Arch Cru” products which appear to have influenced the final, watered down, proposals. She acts for financial advisers in FCA enforcements and advise on insurance and other issues arising from FCA mandated Past Business Reviews. Current instructions include regulatory hearings before the Chartered Institute of Taxation in relation to advice on SDLT planning schemes. She also lectures on professional indemnity and regulatory issues relating to retail financial services.

Roderic Rennison

Director

Rennison Consulting and The Ideas Lab

Roderic Rennison FCII, FPMI, FPFS, CFP is a director of Rennison Consulting Ltd, a company he set up in 2008 to provide consultancy, non executive director and interim services to financial intermediaries and providers. He is also a director of The Ideas Lab Ltd, where he works with Robert Reid and Richard Downs to advise life companies, fund managers, intermediaries and others on RDR and change related matters. His whole career spanning 40 years has been spent in financial services, encompassing a variety of roles ranging from sales, sales management, strategy, product development and proposition and latterly, corporate activity principally with intermediaries encompassing acquisitions, sales and fund raising. He has also been active in consulting on the impact of the RDR on intermediaries, providers, and fund managers. Roderic is a member of the CII’s Disciplinary Committee having previously held a number of board positions at the CII including being a Vice President. He has a particular interest in the future shape of the retail financial services sector as well as the challenges of financial planning for clients at, and post retirement.

Keith Richards

Chief Executive

The Personal Finance Society

Keith was appointed Chief Executive of the Personal Finance Society in May 2013 bringing with him a wealth of experience to the role, combining his intermediary background and extensive knowledge and experience of the marketplace to ensure that the PFS remains the professional body of choice. He has over 30 years’ experience within financial services and has operated at a senior level in various roles, spanning both manufacturing and distribution.  He has been actively engaged in the promotion of financial services within the UK for many years as a respected industry commentator and has contributed to the boards of both AIFA and AMI. He is Chairman of TISA Exco for Adviser protocol and has represented the intermediary sector over many years on a number of panels and strategic leadership forums, including sitting on the PFS/CII RDR Qualification Committee. With an established media profile, Keith is a visible figurehead within the industry and is regularly called upon for comment on UK financial services matters both home and abroad.

Mark Savage

Head of Retail Sales

Kames Capital

Mark joined Kames Capital in December 2003 and has been Head of UK regional sales since October 2013. Mark and his team focus on all key intermediaries in the UK, from platforms and fund of funds to wealth managers and financial planners. Prior to joining Kames in Edinburgh, Mark spent 3 years with Gartmore in London. He has a Law degree from Glasgow University and holds the CISI Investment Advice Certificate.  Mark has 15 years’ experience in the financial services industry. 

Robert Sinclair

Chief Executive

AMI and AFB

Robert helped establish the Association of Mortgage Intermediaries (AMI) as an independent entity on 1 February 2012. Robert joined the former parent trade body, AIFA, in October 2006, initially looking after the Association of Finance Brokers and since 2008, AMI. He looks after the day-to-day running of AMI and AFB by delivering member information and services, lobbying regulators and policy-makers and developing press relations. Before this, he was Head of Advice Development and Quality, Retail Banking, at Abbey National (from 2003). Here he had responsibility for all advice policy, T&C and advice quality matters for the regulated sales forces of Abbey. Prior to this, he was Regional Manager for Inscape Investments Ltd. From 1978 -2000, Robert worked for HSBC in a variety of roles. He brings a wealth of industry experience to the trade body having held a number of front line sales roles combined with experience in marketing, training and internal audit.

Malcolm Small

Senior Adviser

Institute of Directors

Paul Smee

Director General

Council of Mortgage Lenders

Paul became Director General of the Council of Mortgage Lenders on 1 August 2011. He was until April, Chief Executive of UK Payments, a post which he held for six years. He set up, and was the first Chief Executive of the UK Payments Council, which sets strategy for collaborative payments in the UK. He was very involved with the introduction of the Faster Payments Service in 2008, the first new payment system in the UK for 25 years; and in the production of the UK's National Payments Plan.

Before payments, Paul was the first Director General of the Association of IFAs, the representative body for the community of independent advisors which was formed in 1999. He also was instrumental in the formation of the Association of Mortgage Intermediaries.

During his earlier career, Paul has worked for the London Stock Exchange, the Association of British insurers and the Independent Television Commission. He started his working life at the Department of Trade and Industry.

Kate Smith

Regulatory Strategy Manager

AEGON UK

Kate is Regulatory Strategy Manager at Aegon and is part of Aegon’s pensions regulatory team, giving insight into new developments. Her focus is on the workplace pension environment, with particular emphasis on seeking to influence regulatory and legislative initiatives to deliver good outcomes for customers. She spends a lot of time thinking about the next steps for pension reform and the changing pensions market, and what this could mean for customers, employers, advisers and the pensions industry. Kate comments on pension issues in the financial and consumer press. She is a Fellow of the Pensions Management Institute (PMI) and an Associate of the Chartered Insurance Institute (CII). She has over 25 years of experience in the workplace pensions market having worked for both life offices and Employee Benefit Consultancies. Kate represents Aegon on a number of ABI committees and including the Retirement and Savings Committee.

Jamie Clark

Business Development Manager

Royal London

Jamie is a self-confessed pensions geek with more than 25 years’ experience in the pensions industry. Specialising in pensions legislation and how this affects workplace and individual advice he has recently spent most of his time communicating the impact of the new pension freedoms to advisers throughout the UK. Back in the office, Jamie also writes regularly for the trade press on topical pensions issues and takes a key role in helping develop Royal London’s ongoing pension strategy.

Fiona Tait

Royal London

Andrew Tully

Pensions Technical Director

MGM Advantage

Andrew is Pensions Technical Director at Retirement Advantage. Andrew's primary role is the analysis and communication of pension regulation, legislation and taxation. He regularly writes and comments on pensions for the financial media, speaks at conferences and seminars and is a member of a number of industry-wide working groups. He spends much of his time helping advisers work through the opportunities arising from the many changes taking place to the retirement income landscape. Previously, Andrew was Senior Pensions Policy Manager at Standard Life, where he spent 18 years over two spells, and he also worked for 7 years at Scottish Equitable as Technical Development Manager.

Rohit Vaswani

Head of Adviser Distribution Relationships

The Platforum

Rohit is Head of Adviser Distribution Relationships at The Platforum. Rohit has spent over 7 years in the industry and has worked across several jurisdictions in the UK, Europe and Asia. As well as spending time in Fidelity's global distribution teams, Rohit also worked for Fidelity's platform FundsNetwork. Rohit understands the complexities advisers face in running their business while striving to deliver good quality advice and keeping up with regulation change. At Platforum he manages the relationships with key B2B platforms in the UK as well as with other distribution businesses and advisers.

Clive Waller

Managing Director

CWC Research

Martin Werth

Chief Executive

UnderwriteMe

Ron Wheatcroft

Technical Manager

Swiss Re

Ron is a regular commentator in the media and principal author of Swiss Re's UK market reports. He works with the market and leads Swiss Re's work looking at the likely impact of legislation and regulation on long-term insurance business. He is a Board Member of the Investment & Life Assurance Group, a member of GRiD's Regulations Committee and Growing the Market Working Party, and the ABI's Social Care Working Party. Outside work, Ron has little truck with Premiership hype, preferring instead the delights of Gillingham FC where he is a season ticket holder and occasional away traveller.  

Advertising Judges

David Crozier

Certified Financial Planner

IFA

David Crozier came into financial services by accident in 1994. He started Navigator Financial Planning (deliberately) in 2004, the first fee-based financial planning practice in Northern Ireland, and the first Accredited Financial Planning Firm. He specialises in helping people with serious personal injuries makes the most of their compensation claim, and acts as a personal Chief Financial Officer for successful business people. He is happily married with three nearly grown up sons. He loves fishing, boats and photography; he hates rhubarb and misplaced apostrophes.

Dennis Hall

Owner

Yellowtail Financial Planning

Dennis Hall is the owner of Yellowtail Financial Planning a small firm in Central London, and has been advising clients for almost thirty years. He is a Chartered Financial Planner, and was among the first UK based Kinder Institute accredited Registered Life Planners®. He is the author of the book “Who Will it Hurt When I Die” dealing with the conversations that every couple should have about money, and is currently writing his second book, all about Angel Investing. He is actively involved with a number of professional bodies including PFS and IFP, and serves on several committees

John Blowers

Head of Trustnet Direct

Trustnet

John has been involved in the retail platform industry since 1999 and prior to that worked for FT Business and Investors Chronicle. He was one of the pioneers of online financial transactions with Interactive Investor in the late nineties and went on to work at UBS and AMP to develop their online retail propositions. He re-joined Interactive Investor in 2010 before leaving to launch Trustnet Direct, part of the FE Group, in 2013.

Kevin Ronaldson

Chief Executive

Chief Executive

1979: Joins Allied Dunbar as a financial adviser straight from Oxford University. 1979-1996: Builds company’s most successful-ever individual sales franchise, becoming top adviser. 1997: Sells business to Allied Dunbar and joins the Allied Dunbar board as Product and Marketing Director, within Zurich Financial Services. Also holds the board position of Strategic Distribution Director before additionally becoming Chairman of Zurich Independent. 2005: Founds Intrinsic Financial Services. Holds position of CEO, then Deputy Chairman. October 2012: Sets up Bellpenny, backed by global private equity firm Oaktree. October 2013: Bellpenny passes £1billion funds under management. September 2014: Bellpenny passes £2.5 billion FUM.

Lee Robertson

CEO

Investment Quorum

Lee Robertson is CEO and founder of London Wealth Manager Investment Quorum, a highly client centric firm that amongst awards for financial planning, client service and investment management was named as the UK’s leading Advice Practice for five consecutive years in the Platform Awards. Listed in the Spear’s Wealth Management Index as one of the UK’s top 10 wealth managers Lee is a regular commentator on wealth management topics and the value of advice in the national and trade press as well as broadcast and television.

Mark Locke

Head of PR and External Communications

the lang cat

Mark Locke is head of PR and external communications at the industry’s leading pension, platform and investment specialist consultancy, the lang cat.

Mark has over 23 years’ experience in financial services covering public relations, proposition marketing, marketing communications and sales. Most of his career to date has been in the corporate world, working for various life offices. In 2013 Mark threw off the corporate shackles and headed to Leith to have a bit of fun with financial services communications.

He has successfully supported strategically important proposition launches and managed various external company reputations through crisis events and major sponsorship announcements.

Mike O'Brien

Group Brands Director

TenetConnect & TenetSelect

Mike has been in the insurance industry for over 33 years and has worked within the product provider, IFA and outsource service supplier arenas in both the UK and USA.

Mike initially joined Tenet as the RDR Programme Director in December 2009 prior to taking up the role of MD of TenetConnect and TenetSelect in July 2010 and more recently has been promoted to the Group Board as Group Brands Director.

Prior to joining Tenet Mike had spent the previous 9 years in the USA where amongst other things he was COO for Old Mutual's US Life operations and CEO of MAAS, then the USAs largest supplier of outsourced life underwriting services and SVP of Heritage Labs the second largest insurance testing laboratory.

Mike is a Fellow of the Chartered Insurance Institute and spent 10 years teaching various CII subjects of an evening at Bristol Polytechnic and South Bristol College.

Mike's interests include most sports and in particular racing where there has been a long-term family involvement.