Episode 13: From disclosure to understanding: Aligning client preferences with investment solutions

Episode 14: From values to outcomes: Stewardship, client identity and the future of investment alignment

In this episode of Accord Talks, Elly and Lee explore how shifting client expectations—particularly among younger investors—are reshaping advice, stewardship and fund design. They discuss new research on intergenerational wealth transfer, the rise of eco-anxiety, and why uncovering client values is becoming critical to trust, retention and outcomes. With insights from Natasha Lindell-Mills, Miranda Beacham and Audrey Ryan, the episode examines how stewardship and client-led investing are evolving in practice. Show Notes: Nataxis Wealth Transfer Report - https://www.im.natixis.com/content/dam/natixis/website/insights/investor-sentiment/2026/the-great-wealth-transfer-an-existential-test-for-advice/2026-wealth-transfer-report.pdf [https://www.im.natixis.com/content/dam/natixis/website/insights/investor-sentiment/2026/the-great-wealth-transfer-an-existential-test-for-advice/2026-wealth-transfer-report.pdf ] Eco‑anxiety: how do young people relate to the climate crisis? - https://theconversation.com/eco-anxiety-how-do-young-people-relate-to-the-climate-crisis-277520 [https://theconversation.com/eco-anxiety-how-do-young-people-relate-to-the-climate-crisis-277520] Aegon Asset Management - Equities - https://www.aegonam.com/investment-capabilities/equities/ [https://www.aegonam.com/investment-capabilities/equities/ ] Sarasin & Partners - Stewardship - https://sarasinandpartners.com/stewardship/ [https://sarasinandpartners.com/stewardship/ ] Explore the updated Preference Toolkit - https://www.accordinitiative.com/public/page/Preference+Toolkit/230 [https://www.accordinitiative.com/public/page/Preference+Toolkit/230 ] Explore the Client Preference Ready badge - https://www.accordinitiative.com/public/page/Client+Preference+Ready+Badge/236 [https://www.accordinitiative.com/public/page/Client+Preference+Ready+Badge/236 ]

Episode 13: From disclosure to understanding: Aligning client preferences with investment solutions

In this episode of Accord Talks, Elly and Lee explore the growing focus on consumer understanding under Consumer Duty and what it means for financial advisers in practice.T hey discuss the FCA’s latest guidance on communications, sustainable investment labels, and the Climate Change Committee’s latest carbon budget analysis. With insights from Graeme Devlin and Sam Buckingham, the episode looks at how firms can better understand clients, test communications and align investment solutions with real client needs. Show Notes Full episode transcript: https://www.inaccord.co.uk/wp-content/uploads/2026/03/Episode-13-Transcript-Shownotes.pdf [https://www.inaccord.co.uk/wp-content/uploads/2026/03/Episode-13-Transcript-Shownotes.pdf] FCA Sustainability Disclosure Requirements labels: good and poor practice - https:// [https:// www.fca.org.uk/publications/good-and-poor-practice/sustainable-investment-labels] www.fca.org.uk/publications/good-and-poor-practice/sustainable-investment-labels [https:// www.fca.org.uk/publications/good-and-poor-practice/sustainable-investment-labels] Climate Change Committee Supplementary analysis of the Seventh Carbon Budget - https:// [https:// www.theccc.org.uk/publication/supplementary-analysis-of-the-seventh-carbon-budget/] www.theccc.org.uk/publication/supplementary-analysis-of-the-seventh-carbon-budget/ [https:// www.theccc.org.uk/publication/supplementary-analysis-of-the-seventh-carbon-budget/] FCA Consumer understanding: good practice and areas for improvement | FCA https:// [https:// www.fca.org.uk/publications/good-and-poor-practice/consumer-understanding-goodpractice- areas-improvement] www.fca.org.uk/publications/good-and-poor-practice/consumer-understanding-goodpractice- [https:// www.fca.org.uk/publications/good-and-poor-practice/consumer-understanding-goodpractice- areas-improvement] areas-improvement [https:// www.fca.org.uk/publications/good-and-poor-practice/consumer-understanding-goodpractice- areas-improvement] Miggins - Putting the customer at the heart of financial communication - Comprehensive insight for clarity, compliance, and trust in UK financial services - https://miggins.co/ [https://miggins.co/] Buckingham Research Investment Insights for Financial Advisers and Asset Managers https://buckingham-research.com/ [https://buckingham-research.com/] Client Preference Ready Badge - consumer page - https://www.inaccord.co.uk/clientpreference- [https://www.inaccord.co.uk/clientpreference- ready/] ready/ [https://www.inaccord.co.uk/clientpreference- ready/] Client Preference Ready Badge - adviser page - https://www.accordinitiative.com/public/ [https://www.accordinitiative.com/public/ page/Client+Preference+Ready+Badge/236] page/Client+Preference+Ready+Badge/236 [https://www.accordinitiative.com/public/ page/Client+Preference+Ready+Badge/236]

Episode 12 - Vulnerability by omission

Episode 12 | 02/03/2026 - Vulnerability by omission: The risk firms don't see coming What does it mean to know your client fully when risk is no longer just financial? This episode connects global risk, client preferences, Consumer Duty and vulnerability - and explains why understanding how clients feel about risk is now central to good advice.  What happens when advisers don't ask about values? With guests Richard Farr (Telos Solutions / Comentis) and Mike Head (Ethical Investors / Ethical Screening), we examine vulnerability, resilience and the emerging risk of "vulnerability by omission" - and why foreseeable harm isn't limited to financial loss. Plus: Client Preference Ready, stewardship reform and CP26/5. A practical look at knowing your client fully.   SHOW NOTES Client Preference Ready badge - consumer page - https://www.inaccord.co.uk/clientpreference- [https://www.inaccord.co.uk/clientpreference- ready/] ready/ [https://www.inaccord.co.uk/clientpreference- ready/] Client Preference Ready badge - adviser page https://www.accordinitiative.com/public/ [https://www.accordinitiative.com/public/⁠ page/Client+Preference+Ready+Badge/236] page/Client+Preference+Ready+Badge/236 [https://www.accordinitiative.com/public/⁠ page/Client+Preference+Ready+Badge/236] IA report: Realigning Stewardship: Delivering Sustainable Value Through Stewardship report - a roadmap to strengthen the UK’s stewardship ecosystem and support long‑term value creation - https://media.licdn.com/dms/document/media/v2/D4E1FAQEdhaQRkDfvcA/feedsharedocument- [https://media.licdn.com/dms/document/media/v2/D4E1FAQEdhaQRkDfvcA/feedsharedocument- pdf-analyzed/B4EZwonM2bKgAc-/0/1770207892531? e=1771459200&v=beta&t=dpCfH9wckAxdMURMpO8DZwOMaqR50EUvZN8gSifzcn4] pdf-analyzed/B4EZwonM2bKgAc-/0/1770207892531? [https://media.licdn.com/dms/document/media/v2/D4E1FAQEdhaQRkDfvcA/feedsharedocument- pdf-analyzed/B4EZwonM2bKgAc-/0/1770207892531? e=1771459200&v=beta&t=dpCfH9wckAxdMURMpO8DZwOMaqR50EUvZN8gSifzcn4] e=1771459200&v=beta&t=dpCfH9wckAxdMURMpO8DZwOMaqR50EUvZN8gSifzcn4 [https://media.licdn.com/dms/document/media/v2/D4E1FAQEdhaQRkDfvcA/feedsharedocument- pdf-analyzed/B4EZwonM2bKgAc-/0/1770207892531? e=1771459200&v=beta&t=dpCfH9wckAxdMURMpO8DZwOMaqR50EUvZN8gSifzcn4] CP26/5: Aligning listed issuers’ sustainability disclosures with international standards - https://www.fca.org.uk/publications/consultation-papers/cp26-5-sustainability-disclosures [https://www.fca.org.uk/publications/consultation-papers/cp26-5-sustainability-disclosures] In ACCORD Vulnerability, protected characteristics & client values - practical guide & checklist - https://www.esgaccord.co.uk/wp-content/uploads/2026/01/Vulnerabilityprotected- [https://www.esgaccord.co.uk/wp-content/uploads/2026/01/Vulnerabilityprotected- characteristics-client-values-practical-guide-checklist-.pdf] characteristics-client-values-practical-guide-checklist-.pdf [https://www.esgaccord.co.uk/wp-content/uploads/2026/01/Vulnerabilityprotected- characteristics-client-values-practical-guide-checklist-.pdf] Comentis - https://www.comentis.co.uk/ [https://www.comentis.co.uk/] Get the free Support Framework from https://www.comentis.co.uk/vulnerability-support-framework [https://www.comentis.co.uk/vulnerability-support-framework] Telos Solutions - https://www.telossolutions.co.uk/ [https://www.telossolutions.co.uk/] Ethical Investors - https://ethicalinvestors.co.uk/ [https://ethicalinvestors.co.uk/]

Episode 11: Know Your Client Fully: Risk, Preferences and Consumer Duty in an Uncertain World

What does it mean to know your client fully when risk is no longer just financial? This episode connects global risk, client preferences, Consumer Duty and vulnerability — and explains why understanding how clients feel about risk is now central to good advice. Episode Transcript: https://www.inaccord.co.uk/wp-content/uploads/2026/01/Episode-11-Transcript-Shownotes.pdf [https://www.inaccord.co.uk/wp-content/uploads/2026/01/Episode-11-Transcript-Shownotes.pdf] SHOW NOTES World Economic Forum - Global Risks Report 2026 https://www.weforum.org/publications/globalrisks- [https://www.weforum.org/publications/globalrisks- report-2026/] report-2026/ [https://www.weforum.org/publications/globalrisks- report-2026/] Global biodiversity loss, ecosystem collapse and national security A national security assessment https://www.gov.uk/government/publications/nature-security-assessment-on-global-biodiversityloss- [https://www.gov.uk/government/publications/nature-security-assessment-on-global-biodiversityloss- ecosystem-collapse-and-national-security] ecosystem-collapse-and-national-security [https://www.gov.uk/government/publications/nature-security-assessment-on-global-biodiversityloss- ecosystem-collapse-and-national-security] Consumer Duty https://www.fca.org.uk/publications/policy-statements/ps22-9-new-consumer-duty [https://www.fca.org.uk/publications/policy-statements/ps22-9-new-consumer-duty] COBS9 https://handbook.fca.org.uk/handbook/COBS/9?date=2023-06-22&view=chapter [https://handbook.fca.org.uk/handbook/COBS/9?date=2023-06-22&view=chapter] Accord Initiative -free-to-access education, practical resources and compliance support for advisers, including accredited learning, structured guidance and tools designed to ensure client preferences are identified, evidenced and reflected consistently across advice processes. Resources are made freely available with the support of industry partners. www.accordinitiative.com [www.accordinitiative.com]

Episode 10 - Using Climate Data Properly - and Staying Professionally Relevant

We start 2026 by going deeper than the headlines. From understanding climate related product reporting in practice to the role of lifelong learning in professional credibility. With guests James Dalby at Aviva Wealth and Rich Cooper at LIBF (part of Walbrook Institute). Episode Transcript: https://www.esgaccord.co.uk/wp-content/uploads/2026/01/Episode-10-Transcript-Shownotes.pdf [https://www.esgaccord.co.uk/wp-content/uploads/2026/01/Episode-10-Transcript-Shownotes.pdf] SHOW NOTES Aviva Climate-related Disclosure Reports for your funds https://www.aviva.co.uk/help-and-support/ [https://www.aviva.co.uk/help-and-support/]managing-your-policy/investments/climate-related-disclosure-reports/ [managing-your-policy/investments/climate-related-disclosure-reports/] In Accord’s Accord Academy free to access LIBF accredited courses - https://www.accordinitiative.com/login [https://www.accordinitiative.com/login] LIBF – Professional Education https://www.walbrook.ac.uk/libf/ [/www.walbrook.ac.uk/libf/] LIBF Apprenticeships https://www.walbrook.ac.uk/libf/professional-qualifications/banking-andfinance- [https://www.walbrook.ac.uk/libf/professional-qualifications/banking-andfinance- apprenticeships/]apprenticeships/ [https://www.walbrook.ac.uk/libf/professional-qualifications/banking-andfinance- apprenticeships/] Tim Lenton - Positive Tipping Points https://global.oup.com/academic/product/positive-tippingpoints-9780198875789?cc=gb&lang=en& [https://global.oup.com/academic/product/positive-tippingpoints-9780198875789?cc=gb&lang=en&] Kim Stanley Robinson - The Ministry for the Future https://store.orbit-books.co.uk/products/theministry- [https://store.orbit-books.co.uk/products/theministry- for-the-future] for-the-future [https://store.orbit-books.co.uk/products/theministry- for-the-future] Adrienne Buller - Value of a Whale - https://manchesteruniversitypress.co.uk/9781526162632/ [https://manchesteruniversitypress.co.uk/9781526162632/] Alex Edmans - And ‘May Contain Lies https://www.penguin.co.uk/books/455479/may-contain-liesby-edmans-alex/9780241630181 [https://www.penguin.co.uk/books/455479/may-contain-liesby-edmans-alex/9780241630181] Heather Brooke - The Silent State https://www.penguin.co.uk/books/408519/the-silent-state-by-heather-brooke/9780099537625 [https://www.penguin.co.uk/books/408519/the-silent-state-by-heather-brooke/9780099537625]