In this week's podcat episode, Tom talks to The Times and Sunday Times money editor James Coney.

They discuss the newspaper publishing models of old, the paywalls of today and how MoneySavingExpert's Martin Lewis came along and shook things up.

They talk about how advice and financial services firms are paying for the mistakes of the past, how to split the good advisers from the bad ones, and the murkiness around restricted and vertically integrated charges.

James shares his feelings about the regulator's effectiveness, and why he thinks the FCA is lagging behind where consumer detriment really lies.

He laments the lack of transparency and accountability in the fund management sector, and examines the sustainable investing push versus the reality, pointing out that despite extensive marketing efforts, "nobody is reading ESG."

Of course, Tom couldn't let the conversation go by without mentioning the reporting by The Sunday Times' Ali Hussain, and the reaction his reports often provoke on Twitter.

Listen to the full conversation here:

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