Just Covered

Jo Pocklington, Director of Strategic Growth at Alexander Hall, talks to Wayne and Clodagh about the importance helping advisers embed protection into their mortgage conversations. After transforming the front-end customer journey for mortgages protection at Alexander Hall, Jo shares how building a compelling process can help get the protection conversation started early and help convince customer...

What if the way you’ve always advised isn’t the best way to achieve great outcomes for your customers? Ash Borland is a mortgage broker business coach disrupting the traditional financial advice model. A former mortgage broker, Ash turned to teaching brokers to attract and retain clients using a process that’s based on behavioural economics, neuromarketing and social selling. The result? His clien...

Wayne and Clodagh are joined by Elizabeth Bird of Chronos Wealth and Andrew Teeman of Mortgage Advice Bureau, to talk all things high-net worth financial planning and later life lending. Elizabeth and Andrew have a shared history – both work in finance, and both have been through divorce. Their careers have brought them together both personally and professionally, and the pair work together to add...

Big news! The Just Covered Podcast is adding a new voice you won’t want to miss. Say hello to Clodagh Morris, National Sales Director - here to deliver expert insights, real‑world stories, and conversations that make a difference.  Stay tuned for your next must‑listen episode. L&G Apply - Adviser Registration   Ignite - Ignite | Mortgage Technology | Legal & General

Nathan Wootton’s passion for a watertight customer journey fizzes in this episode of Just Covered.  As Operations Director of Waddle, Nathan spends most of his time educating his advisers on how to educate their customers. And it’s not about the product – that doesn’t come for a long, long time, he says.  Instead, making sure advisers can be the architects of effective conversations, without anxie...

Emma Vaughan, Managing Director of Omni Protect, brings warmth and candour to this episode of Just Covered. She talks to Wayne and Georgia about her journey through financial services, and the pivotal moment very early in her career that’s kept her steadfastly committed to protection – particularly income protection. Emma explains her role running the protection division Omni Protect, where she he...

In this special International Women's Day episode of Just Covered, hosts Wayne and Georgia sit down with two inspirational senior leaders from L&G – Victoria Jefferies, Market Development Director, and Jo Coan, Strategic Partnerships Director. Vikki and Jo share their career journeys into financial services, from Vikki's early days in insurance sales, to Jo's "wild card&quo...

In this episode of Just Covered, we meet Georgia Perkins, Marketing Development Manager here at L&G and our new co-host! Last year Georgia took the gong for Woman of the Year – Intermediary Support at the 2025 COVER Women in Protection and Health Awards, so we’re in great company. She talks to Wayne about getting started in her financial services career in protection before moving into underwr...

In this episode of Just Covered, we meet Dave Chamberlain, Chartered Financial Planner and Director of Better Future Financial Planning, and Alex Gager, his Adviser Associate. Apprenticeships are unusual in the industry. So, when Alex approached Dave through LinkedIn with a proposal to become a sponsored apprentice at his self-built, independent firm, it was certainly a surprise. His background wa...

In this episode of Just Covered, we meet Rachel Eason-Whale, Head of Impact and Inclusion, and Amy Potter, Senior Advice Manager, at L&C Mortgages. Both of them have spent a large part of their recent lives focusing intently on how to make the financial industry more representative, inclusive, and supportive. We discuss their career progression, including formative experiences, personal hurdle...

In this episode of Just Covered, we meet David Mead, founder of multi-award-winning protection specialist, Future Proof. From humble beginnings, David started Future Proof in 2011, and in their early days they began managing orphan clients for a major provider that closed. By 2018, St. James’s Place (SJP) had acquired them, and today, they’ve handled over 25,000 referrals from over 2,600 advisers....

In this episode of Just Covered, we meet Andrew Jenkins – an inspirational individual with a background in sales and business leadership. He’s also well known as a contestant from BBC One’s popular series, The Traitors. In 1999, Andrew’s life was turned completely upside down by a horrific road accident. The experience and subsequent recovery led him to become a dedicated advocate for wellbeing an...

 Matt Brown | Recognising opportunity: Supporting the next generation of intermediaries In this episode of Just Covered, we meet Matt Brown – HL Partnership’s new Propositions Director. Already a respected figure in the mortgage sector, Matt has 20 years’ experience working at firms like PRIMIS Mortgage Network, eConveyancer and NatWest. We were delighted to discuss his career so far, as well as t...

Sidney Wager | Guiding professional growth: Being comfortable with the uncomfortable  In this episode of Just Covered, we meet Sidney Wager, newly appointed Managing Director at L&C. Well known across the Mortgage industry, Sidney stands out for his diverse, sector-spanning career. Something that not only gives him an original industry perspective but has, no doubt, informed his success over m...

Stuart Borthwick | Doing the right thing: Customer care, community and forging real client relationships In this episode of Just Covered, we meet Stuart Borthwick from Dartmoor Financial LLP – an adviser working in mortgage, equity release and estate planning for over 20 years, and specialist in later life lending. Working for a family-run, independent firm operating on the edge of Dartmoor, Stuar...

Rhian Mannings | Turning trauma into triumph: Filling the vacuum in bereavement support This episode contains reference to suicide and infant death that listeners may find upsetting. In this episode of Just Covered, we speak with Rhian Mannings, founder of the 2Wish Charity about her emotional and thought-provoking story. In 2012, Rhian suffered a deeply profound and challenging experience, losing...

Bob White | Bridging the gap: Collaboration, learning and later life lending In this episode of Just Covered, we sit down with Bob White, an adviser at Mortgage & Lifetime Solutions with over 30 years' experience. Having started his career in Mortgages and Protection, Bob qualified as a lifetime mortgages adviser 15 years ago and is passionate about the need for advisers to continually le...

Charley O’Neill | Mortgage Mum: Finding work-life balance and flexibility in financial services In this episode of Just Covered, we meet Charley O’Neill, Senior Mortgage and Protection Adviser and Head of New Build at Mortgage Mum. A mother of two, Charley’s journey in financial services began after leaving school. She earned her stripes in customer service at HSBC, before eventually becoming a qu...

In this episode of Just Covered, we're excited to host Stephanie Charman, the new CEO of the Association of Mortgage Intermediaries (AMI), and our very own Vikki Jefferies, who has recently assumed her new role as Market Development Director. In this friendly and lively chat, they discuss their diverse backgrounds in the industry and the transitions that led them to their current positions. G...

In this episode of Just Covered, we meet Robin Melley, a founder and director of the Consumer Duty Alliance and co-founder of the Financial Vulnerability Taskforce. As the only person to win UK Chartered Financial Planner of the Year twice, Robin is a force to be reckoned with. We were lucky enough to get his insight into the evolution of the Financial Vulnerability Taskforce. And hear about his m...

  Ollie Popham| Evolving financial advice in pursuit of customers’ best interests In this episode of Just Covered, we meet Ollie Popham, Senior Sales Manager at Cavendish Online. Since the turn of the millennium, Cavendish has been of one the industry’s most exciting success stories. The company has grown from a small internet startup into a UK-wide organisation, with hundreds of staff. And it’s b...

In this episode of Just Covered, we meet independent financial adviser, Hulya Gunay, for a divorce-focused special. Hulya’s story is unique and inspiring. Driven by a combination of personal and professional experience, she established her own firm in 2018 that’s carved a niche in the market specialising in representing women as they navigate key turning-points and transitions in their lives. Toda...

 In this episode of Just Covered, we’re honoured to be joined by Vanessa Barnes, chartered financial planner and recently appointed board member of the Consumer Duty Alliance. Vanessa is a trailblazer in many ways, running an all-female financial firm, she’s a powerful and dedicated advocate for women and the unique financial challenges they face, amongst many other things. This thoughtful discuss...

In this special episode of the Just Covered Podcast, our hosts Hazel Johnston and Wayne Holcombe are joined by Mark Lambert, Director at Viva Retirement Solutions.   During the episode, Mark discusses the versatility of lifetime mortgages and the positive impact they can have for clients and their families. He also talks about educating clients on some of the common misconceptions surrounding LTMs...

In this episode of Just Covered, we meet Gemma Cuff, founder of Gemstone Mortgages. As one of the leading mortgage brokers in Colchester, Gemma tells her unique story around starting her own business – going into remarkably honest detail about her personal challenges and how she’s expanded her brand over the years and responded to changing demands. She also explains some of the philosophy behind h...