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September 2023

The National Association of Funeral Plan Providers

Steve Rowland, a Trustee of the Golden Leaves Trust, was recently appointed Chairman of the The National Association of Funeral Plan Providers which was established earlier this year, following regulation of the funeral plan market by the Financial Conduct Authority in August 2022.

It is the voice for 25 of the 26 UK prepaid funeral plan providers currently authorised by the FCA. Together these organisations serve almost 1.7 million plan holders and their families across the length and breadth of the UK, plus expatriates in several countries.

The NAFPP’s objective is to champion and support its members:  To push for the best outcomes from new and changing regulation and legislation to ensure that prepaid funeral plan providers thrive as an essential part of effective later life planning – serving their plan holders and families plus the wider community.

To do this they engage with, amongst others, the UK Government, the assemblies and parliaments of Scotland. Wales and Northern Ireland as well as regulators, particularly the Financial Conduct Authority (FCA), the Financial Services Compensation Scheme (FSCS) and the Financial Ombudsman Service (FOS)

They will also speak out on issues that are relevant to pre-paid funeral plan providers and their customers, plus wider issues impacting the future funeral market.

The NAFPP is not a regulator itself, nor is it able to deal with complaints made about providers – these are considered by the Financial Ombudsman Service if they cannot be resolved directly with the provider.

February 2023

Bank of England analyst and strategy expert appointed to The Golden Leaves Board of Trustees

In light of the recent economic and regulatory developments involving the financial markets, the arrival of FCA regulation and in a decisive move to strengthen the board’s existing set of strategic, investment and regulatory focused experts, we are proud to announce the appointment of Amanda Williams to the Golden Leaves board of Trustees.

Amanda has worked in a range of analytical, strategic and investment roles within the public and private sector, including for the Bank of England and the International Monetary Fund for more than thirty years.

Commenting on his new appointment to the board of Trustees, Amanda Williams said…

“I’m delighted to be joining Golden Leaves as a trustee. I was attracted to the company because of its strong corporate ethos of striving for excellence in everything that it does for its customers to ensure a quality service, whilst also maintaining high levels of consumer protection. I hope that my knowledge of investment management and the UK regulatory framework will help to ensure that the monies entrusted to us are managed effectively and conservatively with the best interests of our plan holders always at the forefront of everything that we do.”

Amanda has over three decades of experience gained in financial services and corporate communications. Starting her career at UBS, she worked in several areas of the bank including eurobond syndication, international equity and the gilt edged desk. She then joined Shell Pensions where she was a member of the team that managed the $7bn in house pension fund before joining Dresdner RCM Global Investors as an investment manager with a portfolio of unit trusts and discretionary pension funds.

Amanda left the buy side and moved into a corporate advisory role at an investor relations company advising FTSE100, Mid Cap and Small Cap clients how to effectively manage their communications with their stakeholders. She then set up her own communications consultancy which she ran successfully for a decade before selling to a PR company.

In recent years, Amanda has worked in the public sector, initially at the Cabinet Office in a cross public sector/local authority stakeholder relations and communications role. And most recently, at the Bank Of England, in the financial stability and strategy directorate, before undertaking a secondment at the International Monetary Fund (IMF) and then working in the international banking supervisory and regulatory division.

Barry Floyd – Managing Director of Golden Leaves Group commented…

“With the arrival of rigorous statutory regulation to the sector in the shape of the Financial Conduct Authority, Amanda’s incredible experience and depth of knowledge in the field of Investment strategy, Financial analysis and statutory financial regulation – will enable us to further strengthen the depth of expertise across our set of investment focussed Trustees. We are extremely proud to have her join the Golden Leaves Trustee board.”

You can find out more information about the trustees here.

January 2023

Golden Leaves strengthen their consumer protection focused trustees

Consumer Protection has always been pivotal to the ethics and high operational standards of Golden Leaves and its board of Trustees. In light of recent industry developments and in a decisive move to significantly strengthen the boards existing set of consumer protection experts, we are proud to announce the appointment of Arnold Pindar to the Golden Leaves board of Trustees.

Arnold Pindar is also currently chairman of the UK’s National Consumer Federation and is president of ANEC, the European Consumer organisation, which represents the interests of European consumers.

Commenting on his new appointment to the board of Trustees, Mr Pindar said…

“As an independent trustee of the Golden Leaves Trust, it is my role to ensure that money paid to Golden Leaves Ltd for pre-paid funeral plans remains safe. As someone very active in the consumer movement across Europe and experienced in standardisation, I can personally fully endorse and contribute to Golden Leaves’ high levels of quality, standards and consumer protection within their operational activities and their work to promote these qualities throughout the Funeral Planning industry”.

Mr Pindar also joins consumer protection expert Jim Humble OBE amongst other experts on the Golden Leaves Trustee board. Jim is a Vice President of the Chartered Trading Standards Institute and previously served as Assistant Director of Consumer Affairs at the Office of Fair Trading.

Jim Humble OBE added …

“I agreed to become a trustee of Golden Leaves because I found excellent transparency and an absolute determination to protect consumers. The company’s terms of fairness and value are exemplary. The trustees are also able to secure the very best financial advice to ensure every customer is fully protected.”

As Golden Leaves continue to forge ahead with an active programme to deliver even higher quality standards and operational excellence across their business and networks, more important announcements are expected during the coming months.

Barry Floyd – Managing Director of the Golden Leaves Group commented…

“We believe that consumer protection and elevated consumer outcomes are delivered by a consumer centric approach coupled by high quality operational standards. We have always adopted this approach to conducting business and the appointment of Arnold to our board of Trustees clearly illustrates, that our determination to continue in this fashion has not waivered.”

Steve Rowland – Chairman of Golden Leaves praised his new arrival …

“I am absolutely delighted to welcome Mr Pindar into the Golden Leaves family at such a vital time; not only in terms of our brands evolution but also in light of the current regulatory and political change impacting the industry as a whole. We are already twelve months into a three year development programme and as we push on into phase two, his help, advice and guidance will be immeasurable, especially as it directly aligns with our complete determination to deliver best of class products, the highest level of quality and operational standards coupled with superior levels of consumer protection.”

January 2021

Competition and Regulation expert appointed to The Golden Leaves Board of Trustees

In light of the recent Industry developments involving Her Majesty’s Treasury and the Competition and Market Authority and in a decisive move to strengthen the board’s existing set of consumer protection and regulatory experts, we are proud to announce appointment of Tom Kiedrowski to the Golden Leaves board of Trustees.

Tom Kiedrowski has worked in a range of strategic and operational roles within the areas of consumer protection, competition policy and regulation for more than twenty-one years. Tom has extensive senior management experience with exposure to Board-level directors, politicians and senior civil servants having working at BT, ECTA, Ofcom, Ofwat, the Department of Business Innovation & Skills, Bristol Water and the Law Society of England & Wales. Tom established the UK Competition Network (UKCN) during his time in the CMA transition team at the Department of Business, Innovation and Skills.

He was a member of the Better Regulation Executive team that developed the Principles for Economic Regulation that were published in April 2011.

Until January 2014 Tom was Director of Market Reform at Ofwat, where he developed proposals for the implementation of wholesale and retail market reform team.

Between 2005 and 2011, he held a number of roles at Ofcom, including Project Director of Better Regulation and Impact Assessments. Tom developed Ofcom’s principles for co and self-regulation

Commenting on his new appointment to the board of Trustees, Mr Tom Kiedrowski said…

“I am delighted to be joining the Board of Trustees at Golden Leaves. I look forward to contributing my regulatory expertise and knowledge of global financial markets to ensure the sound management of Golden Leaves’ funds. Golden Leaves has an eminent reputation within the funeral planning industry and I look forward to ensuring its high standards are maintained and Golden Leaves is able to move forward within the emerging regulatory landscape.”

Barry Floyd – Managing Director of Golden Leaves Group commented…

“With the inevitable arrival of increased statutory regulation in the sector and with the CMA investigating the funeral industry as a whole, Tom’s incredible experience and depth of knowledge in the field of consumer protection, Competition Policy and Statutory Regulation – will help us navigate any new regulatory framework that arrives in due course. We are extremely proud to have him join the Golden Leaves Trustee board.”

Existing Trustees comment on their Appointments…

Tom Kiedrowski also joins consumer protection experts Arnold Pindar and Jim Humble OBE on the Golden Leaves Trustee Board. Jim as a Vice President of the Chartered Trading Standards Institute and previously served as Assistant Director of Consumer Affairs at the Office of Fair Trading. Arnold Pindar is currently chairman of the UK’s National Consumer Federation and is president of ANEC, the European Consumer Organisation, which represents the interests of European Consumers.

Arnold Pindar – Golden Leaves Trustee…

“As an independent trustee of the Golden Leaves Trust, it is my role to ensure that money paid to Golden Leaves for pre-paid funeral plans remains safe. As someone very active in the consumer movement across Europe and experienced in standardisation, I can personally fully endorse and contribute to Golden Leaves’ high levels of quality, standards and consumer protection within their operational activities and their work to promote these qualities throughout the Funeral Planning industry”.

Jim Humble OBE – Golden Leaves Trustee…

“I agreed to become a trustee of Golden Leaves because I found excellent transparency and an absolute determination to protect consumers.

The company’s terms of fairness and value are exemplary. The trustees are also able to secure the very best financial advice to ensure every customer is fully protected.”

As Golden Leaves continue to forge ahead with an active programme to deliver even higher quality standards and operational excellence across their business and networks, more important announcements are expected during the coming months.


Barry Floyd – Managing Director of the Golden Leaves Group commented…

“We believe that consumer protection and elevated consumer outcomes are delivered by a consumer centric approach coupled by high quality operational standards.

We have always adopted this approach to conducting business and the recent appointments of both Tom and Arnold, we believe clearly illustrate, that our determination to continue in this fashion has not wavered.”

Golden Leaves Trust
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T - 0800 85 44 48 E - secretary@goldenleaves.com