Financial planning is about far more than products and portfolios. In the latest episode of Adviser 3.0 The Podcast, Abraham speaks with Tom Morgan, founder and managing director of Orca Wealth, about how advisers can create meaningful impact in clients’ lives.
From Breaking into Advice to Building Orca Wealth
Tom shares his journey into financial advice after RDR, the challenges of building credibility, and how he and his wife Emily went on to establish Orca Wealth. At the heart of their practice is a belief that advice should go beyond money management to help clients live more fulfilling lives.
Inspired by Die With Zero
One turning point in Tom’s philosophy came from reading Die With Zero The book’s message challenged him to think differently about legacy, generational wealth, and how to encourage clients to spend purposefully rather than endlessly accumulate.
Seasons of Retirement
Tom and Abraham discuss the idea of planning retirement in seasons, reflecting the different needs, desires, and capabilities clients have as they move through life. This approach allows advisers to build flexible, client-centred strategies that evolve as lifestyles change. For further insights, see Timeline’s retirement planning resources.
Moving from Accumulation to Fulfilment
A recurring theme in the conversation is helping clients shift their mindset from saving and investing to enjoying and deploying their wealth meaningfully. Money becomes a tool to enable experiences, support family, and create lasting memories. Timeline explores this further in its Retirement Income Review.
Rethinking Legacy & Generational Wealth
They explore what “legacy” actually means, how clients can plan for generational wealth in a thoughtful way, and how advisers can support clients to ensure their money helps fulfil life rather than merely pass wealth onward.
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A useful reading here is Multi-generational savings strategies for UK’s evolving families on FTAdviser, which examines how wealth shifting across generations requires different advisory approaches.
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Another good resource is Preparing for the great UK wealth transfer, which estimates the scale of assets passing between generations over coming decades and emphasises the importance of clear conversations and aligned goals when planning legacy.
Lessons for Advisers
For advisers, Tom’s story highlights the importance of personal connection, empathy, and the courage to build a business around values rather than volume. By focusing on clarity and confidence, advisers can empower clients to live fully while still ensuring long-term financial security.
To hear the full discussion, tune in to Adviser 3.0 The Podcast.
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