With a solicitor background, Tom Munday then went into Financial Planning, setting up SGM Financial Management 3 years ago. Andrew and Tom talk about the lack of financial education available at schools and how hard it is to get 20-year-olds interested and understand the importance of pensions. Employers can add real value by caring about educating their staff on financial planning, especially those in their younger years. Listen to learn where you start and how to start in small easy ways.