In this episode, Jonathan Gibson is joined by Jacqueline “Jackie” Lockie, a highly respected figure who has helped shape the financial planning profession in the UK over several decades.

Together, they explore how financial planning has evolved—from the introduction of the Retail Distribution Review (RDR) and fee transparency, to the rise of cashflow modelling and behavioural finance. Jackie shares how these changes have transformed the client experience, helping people better understand their finances and make more informed decisions.

The conversation dives deep into what truly defines great financial planning. It’s not about products—it’s about people. Jackie highlights the importance of understanding clients’ life stories, beliefs about money, and long-term goals, showing how meaningful advice goes far beyond numbers.

They also discuss:

• The difference between good and truly great financial planners
• Why client behaviour and engagement matter more than market performance
• Common mistakes people make with money—and how to avoid them
• How to choose the right financial planner and what questions to ask
• The importance of professional standards and qualifications

As Jackie approaches retirement herself, she offers thoughtful reflections on what a “good retirement” really looks like—emphasizing identity, purpose, and giving yourself time to adjust, rather than rushing to fill every moment.

Key Quotes from this episode:
“You can’t put a price on financial peace of mind.”
“A truly great financial planner starts with your life, not your money.”
“We don’t know what we don’t know—and that’s why good advice matters.”
“The clients who get the best outcomes are the ones who engage.”
“Don’t let anyone else define what retirement looks like for you.”

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