Paul opens up Tivoli Studios on an icy winter's morning and warms you up with four parallels that describe what IFAs really do, in case you're intrigued or just curious. Firstly, the Ivy Restaurant in Cheltenham, then onto Spoons, over to Martin Lewis, and finally, the physio helping Paul with a knee injury. All four stories illustrate exactly the future role of the IFA.  As usual, Paul's over at https://www.archercourses.com and if you want to get on his member list (it's free), use this link: https://qrco.de/be0F0D