Tom Selby is AJ Bell's Director of Public Policy. He joined the company in 2016 as a Senior Analyst before becoming Head of Retirement Policy. He has a degree in Economics from Newcastle University.
Following his degree, Tom worked for seven years as a journalist specialising in pensions and retirement. He spent almost six years at a leading adviser trade magazine, Money Marketing, initially as a pensions reporter before becoming Head of News in 2014. He has won multiple awards for his role as a financial journalist, and was more recently nominated for Expert of the Year at the 2023 Headlinemoney Awards.
Tom is heavily involved with the PR and external communications teams at AJ Bell. His current role involves direct engagement with senior policy makers in Government and regulators. He also sits on the industry working group for the joint review of advice and guidance boundaries being conducted by the FCA and the Treasury. In the past, Tom has successfully campaigned for a number of consumer-focused reforms, including banning pension cold-calling and increasing pension allowances, and he is passionate about improving outcomes for savers and retirees.
Tom is regularly quoted in national print and broadcast media, including appearances on a weekly BBC Radio London personal finance slot. He has also appeared multiple times on BBC’s MoneyBox as an expert, as well as BBC Radio, BBC News, Sky News and LBC.
21 November 2025
Budget preview: the big issues on the agenda for savers and investorsWith just days until Chancellor Rachel Reeves’ second Budget, we’ve rounded up the big issues relevant to savers and investors, and what might be on the agenda.
ISA reformHaving committed to simplification of ISAs in the run-up to the general election, the government now appears set on reducing the Cash ISA allowance.
Such a change which would...
13 November 2025
The fate of tax-free cash in the BudgetA slash of tax-free cash is said to be off the table for this month’s Budget, according to a confirmation by treasury officials to the Telegraph.
Attacking tax-free cash at the Budget would have been a tough sell for the chancellor, raising little money and causing uproar from young and old alike.
It would also likely have led to further industrial...
6 November 2025
Find out why the Treasury response to AJ Bell’s pensions petition mattersMPs from the Petitions Committee have told the Treasury its response to an AJ Bell petition was not up to scratch after the Government refused to commit to current policies on pension tax-free cash or tax relief.
The Treasury’s response followed a petition raised by AJ Bell, which called for a commitment to pension tax stability. This primarily...
31 October 2025
The Budget is a month away: What could be on the chopping blockReports suggest that Chancellor Rachel Reeves faces a growing ‘black hole’ in public finances in the tens of billions, leading to mounting questions around which tax raising measures could be announced in her second Budget next month. With four weeks to go until the chancellor takes to the despatch box on 26 November, we've analysed some of the...
3 October 2025
Your chance to call on the government for pension reassuranceAJ Bell is petitioning the government to make a public commitment not to alter key pension tax incentives – tax free cash entitlement and tax relief – for at least this parliament.
If you share this view, add your name to AJ Bell’s petition, with 10,000 signatures forcing a government response.
When people save in a pension they enter a tax pact...
9 September 2025
How long will my pension last in retirement?Discover how to manage your pension pot effectively in retirement, including flexible access and annual reviews, to ensure your pension lasts as long as you do.
4 September 2025
What to expect from the Budget on 26 NovemberThe government has announced its second Budget will take place on 26 November.
After a turbulent first year in power, it will be focused on stabilising an economy troubled by multiple setbacks and U-turns, putting the government under increasing pressure amid plummeting approval ratings.
The announcement fires the starting gun for the OBR (Office...
11 August 2025
Government highlights ‘chronic’ pension crisis: do you have enough to retire?More than two-fifths of working-age Brits are under-saving for retirement, equating to 14.6 million people, according to new figures from the Department for Work and Pensions.
The data found that fewer than 1-in-4 people are on course to hit trade body Pensions UK’s ‘comfortable’ retirement income level, and more than 1-in-10 won’t even reach the...
5 August 2025
Are you owed back tax on your pension? HMRC quirk eating into retirees’ incomeRetirees making flexible withdrawals from their pension have been temporarily shortchanged by nearly £1.5bn due to a quirk in HMRC’s systems.
New figures showed that in April, May and June this year Brits reclaimed £49 million of money where they have overpaid tax on their pension withdrawals. During the period nearly 13,000 reclaim forms were...
16 May 2025
How to protect yourself from pension and investment scamsFinancial scams are depressingly common, particularly following a period of high inflation and rising interest rates which stretched millions of household budgets to breaking point. Economic turmoil is like blood in the water to scammers, who are using increasingly sophisticated tactics to fleece people of their hard-earned pensions and investments...
