On this episode of The Value Factory Podcast, Andrew Ballard sits down with Mike Kadel, Managing Principal at OneAccord, to tackle the leadership crisis most organizations are ignoring: succession planning. With a wave of retirements accelerating across financial institutions and beyond, Mike explains why replacement planning is reactive, risky, and too lateāand why true succession planning must start years in advance. They break down how to identify critical roles, develop internal talent, involve boards without losing clarity, and link succession directly to strategic planning. A practical, no-nonsense conversation about building bench strength, reducing chaos, and ensuring leadership continuity before the tsunami hits.