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Welcome to Zomi Wealthcast, your go-to podcast series for in-depth conversations with seasoned finance professionals.
In each episode, we explore emerging trends, innovative technology, and career-building insights within the financial services industry – perfect for aspiring advisers, industry veterans, and anyone curious about the fast-evolving world of finance. Tune in to discover practical tips, expert opinions, and real-world stories that can guide you towards smarter financial choices and greater career success.
Looking to improve your personal finance in the UK? Struggling with savings, financial literacy, or wondering how to get help with money? In this episode of Zomi Wealthcast, we sit down with Thomas Francis, Head of Personal Finance at Octopus Money, to explore how financial advice and coaching are becoming more accessible than ever.
Thomas shares his journey from banking and traditional financial planning to leading innovative hybrid advice models that combine technology with human coaching. We unpack the UK’s persistent advice gap, why only a small percentage of people access regulated advice, and how new approaches can help millions of households build stronger financial futures.
This conversation touches on leadership, behavioural finance, the rise of digital and AI-driven solutions, and how to make financial education part of everyday life. Thomas also shares his vision for a future where every UK household has a clear financial plan.
What you will learn in this episode:
• Thomas’s path from credit risk analyst to Head of Personal Finance
• Why the advice gap exists and how to close it
• The power of combining financial coaching with regulated advice
• How Octopus Money’s hybrid model supports everyday people
• Practical insights into savings, money management, and financial planning in the UK
If you are looking to boost your financial literacy, understand your options for savings, or find new ways to get help with money, this episode is packed with insights you will not want to miss.
Be sure to Like, Subscribe, and Share to stay updated on the latest episodes of Zomi Wealthcast. Join us as we bring you more expert interviews, career tips, and industry trends, helping you thrive in the fast-evolving financial services sector.
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Disclaimer: The views shared in this podcast are for general information only and do not constitute personal financial advice. All investments carry risk and may not be suitable for all individuals. Past performance is not indicative of future results. If you are unsure about the suitability of an investment, product, or service, please seek independent professional advice from a qualified financial adviser. The opinions expressed in this podcast are those of the participants and do not represent official guidance or regulation.
In this episode of Zomi Wealthcast, we are joined by Thomas Francis, Head of Personal Finance (previously Head of Digital Advice) at Octopus Money, who is at the forefront of transforming how financial guidance reaches the mass market.
Thomas shares his career journey from banking and traditional financial planning to leading innovative hybrid advice models that blend technology with human coaching. We discuss the UK’s persistent advice gap, why only a fraction of the population currently accesses regulated advice, and how new models can deliver meaningful planning to millions more.
The conversation covers leadership, behavioural finance, and the role of technology from robo advice to AI in creating scalable, personalised solutions. Thomas also reflects on consumer duty, the challenges of integrating financial education into everyday life, and his vision for a future where the majority of UK households have a financial plan.
• Thomas’s path from credit risk analyst to Head of Personal Finance
• Why the advice gap exists and how to close it
• The power of combining financial coaching with regulated advice
• How Octopus Money’s hybrid model works and who it serves
• The role of behavioural finance in effective client relationships
• Where AI fits into financial planning now and in the future
Know more about Zomi Wealth, how we invest, our plans and how to be a part of Zomi Wealth. Contact Us!