In this latest pile of TRAP, the Trap Pack discuss

• Three glowing reviews of the podcast, read by Andy in his inimitable style
• Topical issues, including the possible return of annuities; Colin Lawson’s fresh approach to realising business capital; resolution of the Neil Woodford fiasco; Irish Life causing ripples
• Meat and Potatoes: Critical Non-Essentials: refining the client experience
• Questions posted by our beloved Anon (!) and David Milne
• Culture Corner

Links referred to in the show:

• Colin Lawson The Elegant Exit
• Built on a Lie: The Rise and Fall of Neil Woodford and the Fate of Middle England's Money Hardcover – 4 Mar. 2021
• Critical Non-Essentials
• Alex Hormozi book - $100m offers $100M Offers: How To Make Offers So Good People Feel Stupid Saying No: Amazon.co.uk
• Podcast The Bank of Dave Fighting Against the Elite - David Fishwick Tells His Story The Bank of Dave Fighting Against the Elite - David Fishwick Tells His Story
• How to Invest David M. Rubenstein How to Invest David M. Rubenstein 
• UK RPI Charts: UK Retail Price Index (I:UKRPI)
• FT Adviser Podcast pushing annuities: https://pca.st/te9yp8yl
• Neil Woodford payout over suing: Taking Woodford payout ‘will mean you cannot sue’
• All In Pod featuring Space X launch https://podcasts.apple.com/ie/podcast/e125-spacex-launch-fox-news-settlement-zombie-corn/id1502871393?i=1000610141959
• Irish Life launch Unio Irish Life owner launches new wealth management advisory firm - Independent.ie
• Stephanie Bogan on delivering a Michelin Star client meeting https://www.linkedin.com/pulse/deliver-michelin-star-client-experience-four-steps-stephanie-bogan/
• Horst Schulze on Twitter https://twitter.com/horstschulze?s=20
• Nick’s

============================
Take part in the conversation! We want YOU to suggest topics and questions you’d like the Trap Pack to answer. The best way to do this is to ask them here.

Help us to help you! The more followers we have, the more we can do stuff going forward. So please:

• Subscribe and Like our YouTube Channel
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• 'Enjoy' the Twitter chat at @AdviserPodcast.

In this latest pile of TRAP, the Trap Pack discuss

• Three glowing reviews of the podcast, read by Andy in his inimitable style
• Topical issues, including Mr Hart’s Maven Money podcast breaking through 1M downloads (really); the decline in size of the UK stock market; Chat GPT - a threat?; more nonsense around risk scales
• Meat and Potatoes: Man Plans and God Laughs. Whilst planning for the future is important, so is giving clients permission to live their best lives now.
• Questions posted by our beloved Trappists @TobyHines @emmeliapowell
• Culture Corner

Links referred to in the show:

• New podcast from Brad Johnson: https://podcasts.apple.com/ie/podcast/do-business-do-life-the-financial-advisor-podcast-dbdl/id1677151221?i=1000604267590
• “Unreasonable Hospitality” by Will Guidara: https://www.amazon.co.uk/gp/product/0593418573/ref=x_gr_bb_amazon?ie=UTF8&tag=x_gr_bb_amazon-21&linkCode=as2&camp=1634&creative=6738
• Audere Consulting: https://audere.com.au/
• Modern Wisdom podcast: https://open.spotify.com/show/0XrOqvxlqQI6bmdYHuIVnr
• JP Morgan Guide to the Markets: https://am.jpmorgan.com/content/dam/jpm-am-aem/global/en/insights/market-insights/guide-to-the-markets/mi-guide-to-the-markets-uk.pdf

=========================== ===

============================
Take part in the conversation! We want YOU to suggest topics and questions you’d like the Trap Pack to answer. The best way to do this is to ask them here.

Help us to help you! The more followers we have, the more we can do stuff going forward. So please:

• Subscribe and Like our YouTube Channel
• Leave a 6/5 star review on iTunes
• Share TRAP with your peers and colleagues
• 'Enjoy' the Twitter chat at @AdviserPodcast.

In this latest pile of TRAP, the Trap Pack discuss

• Three glowing reviews of the podcast, read by Andy in his inimitable style
• Topical issues, including Ireland scraping home against a severely depleted England; massive pension changes in the UK; an MBO with Métis Ireland.
• Meat and Potatoes: Keep It Simple Stupid (KISS). Why do so many overcomplicate?
• Questions posted by our beloved Trappists @matt_aitchison, Colin Bates
• Culture Corner

Links referred to in the show:

• NL: Inside Vanguard: Leadership Secrets From the Company That Continues to Rewrite the Rules of the Investing Business
• AS: BBC iPlayer - Billion Dollar Downfall: The Dealmaker
• AS: Ravenous: How to get ourselves and our planet into shape Kindle Edition
• CW: 6 – The Kerry Babies Murder & familial false confessions Mens Rea: A true crime podcast
• Nick’s Loom video re simple, repeatable, scalable workflows: https://www.loom.com/share/8b2724bccaf3410d830194b6ddeb641f
• Roger Edwards Tweet on how hard it is to keep things simple: https://twitter.com/Roger_Edwards/status/1638224572058050584
• AH Modern Wisdom https://modernwisdom.libsyn.com/385-gurwinder-bhogal 
• NL: Yodelar, a brilliant one-stop website for dissecting expensive Wealth Managers. Here’s a demolition job on Fisher Investments: https://www.yodelar.com/insights/fisher-investments-review?fbclid=IwAR1yiwT1wJmYlMurCQCMmQ27MAW6thDhvOf-Kf--zzqesWdGN-6CtT6BZHE
• AEGON reduces cash interest rates on its platform, as savings rates rise! https://citywire.com/new-model-adviser/news/aegon-slashes-platform-interest-on-cash-amid-boe-rate-hikes/a2411936
• Our first twitter thread https://twitter.com/simonjgladding/status/1639235645280493569?s=46&t=sRHfdIQon2TfFJRFg7K23w
• Metis Ireland complete MBO https://metisireland.ie/metis-ireland-now-wholly-owned-by-its-staff-

============================
Take part in the conversation! We want YOU to suggest topics and questions you’d like the Trap Pack to answer. The best way to do this is to ask them here.

Help us to help you! The more followers we have, the more we can do stuff going forward. So please:

• Subscribe and Like our YouTube Channel
• Leave a 6/5 star review on iTunes
• Share TRAP with your peers and colleagues
• 'Enjoy' the Twitter chat at @AdviserPodcast.

In this St Patrick’s Day Special latest pile of TRAP, the Trap Pack discuss

• Three glowing reviews of the podcast, read by Andy in his inimitable style
• Topical issues, including one IFA saving a client from a £450,000 fraud; the road to hell that is pension Lifestyling; the unbelievably rapid demise of the Vanguard advice experiment
• Meat and Potatoes: St James’s Place - a commercial behemoth. But at what cost?
• Questions posted by our beloved Trappists @RossTaylorFP @cianmetiscfp
• Culture Corner

Links referred to in the show:

• Something to put in front of your vulnerable clients re scam dangers: https://www.dropbox.com/s/fa9vvp5eyq16io8/20230309%20How%20Frauds%20Work%20and%20How%20To%20Avoid%20Being%20a%20Victim.docx?dl=0
• Vanguard chief defends decision to pull asset manager out of climate alliance https://on.ft.com/3EnzwlU
• List of things Vanguard said they couldn’t or wouldn’t advise on: https://www.professionaladviser.com/news/4030168/reasons-stay-away-vanguard-lists-strict-criteria-advice-service
• Andy’s Money Marketing article of 10th February: https://www.moneymarketing.co.uk/opinion/andy-hart-financial-advice-will-always-be-a-luxury-product/
• Black Rock pulls out of US robo advice market: https://citywire.com/pro-buyer/news/ritholtz-buys-book-of-biz-from-blackrocks-shuttering-robo-advisor/a2410658
• AS: Experiments in Advisor Marketing   https://pca.st/episode/65863b6f-524b-457f-a406-2ab1b57fab3f
• NL: Business Breakdowns: IPL: The World’s Fastest Growing Sports League https://pca.st/0x2iywpx
• AH: Morgan Housel podcast - https://podcasts.apple.com/us/podcast/the-morgan-housel-podcast/id1675310669 
• CW: Bloomberg explainer on SVB debacle https://www.bloomberg.com/opinion/articles/2023-03-10/startup-bank-had-a-startup-bank-run?utm_source=website&utm_medium=share&utm_campaign=copy

=========================== ===

============================
Take part in the conversation! We want YOU to suggest topics and questions you’d like the Trap Pack to answer. The best way to do this is to ask them here.

Help us to help you! The more followers we have, the more we can do stuff going forward. So please:

• Subscribe and Like our YouTube Channel
• Leave a 6/5 star review on iTunes
• Share TRAP with your peers and colleagues
• 'Enjoy' the Twitter chat at @AdviserPodcast.

In this latest pile of TRAP, the Trap Pack discuss

• Three glowing reviews of the podcast, read by Andy in his inimitable style
• Topical issues, including positive feedback on the previous episode 13; the ridiculousness of fund risk ratings
• Meat and Potatoes: Why ambiguity is such an inherent part of real financial planning. And the Trap Pack’s top tips for newbies to this mighty profession.
• Questions posted by our beloved Trappists @joshgerstler @dirkgroeneveld @ComradesNic
• Culture Corner

Links referred to in the show:

• Redefining the Retirement Income Goal by David Blanchett: https://blogs.cfainstitute.org/investor/2023/02/09/redefining-the-retirement-income-goal/
• Stuart Kirk on the FT Money show: https://pca.st/episode/56643c2a-8d30-4797-8d13-80b4f5fc601d 
• Charlie Munger Daily Journal 2022 https://www.youtube.com/watch?v=9VVPO3KWj3A&t=7894s 
• Abe’s conference: Adviser 3.0
• Carl’s book: https://www.audible.co.uk/pd/Vivid-Vision-A-Remarkable-Tool-for-Aligning-Your-Business-Around-a-Shared-Vision-of-the-Future-Audiobook/B07RYN3D5R?eac_link=czAmma8BEMx3&ref=web_search_eac_asin_1&eac_selected_type=asin&eac_selected=B07RYN3D5R&qid=dMh1tmNve9&eac_id=260-7128613-5251256_dMh1tmNve9&sr=1-1
• Morgan Housel podcast with Prof G: https://podcasts.apple.com/gb/podcast/the-psychology-of-money-with-morgan-housel/id1498802610?i=1000601235289
• https://twitter.com/alanjlsmith/status/1525117666788143104?s=46&t=HybIyJF1scu8BFCL0L4hIg

IFA Forum: http://www.tiny.cc/ifaforum

============================
Take part in the conversation! We want YOU to suggest topics and questions you’d like the Trap Pack to answer. The best way to do this is to ask them here.

Help us to help you! The more followers we have, the more we can do stuff going forward. So please:

• Subscribe and Like our YouTube Channel
• Leave a 6/5 star review on iTunes
• Share TRAP with your peers and colleagues
• 'Enjoy' the Twitter chat at @AdviserPodcast.

In this latest pile of TRAP, the Trap Pack discuss

• Topical issues, including the PFS’s escalating legal bills; an as-yet-unnamed IFA with his/her/their fingers in the till; VCTs - good enough for Nick but not for clients; Value for Money Statements; our Trappist Six Nations meet and greet at The Royal Oak, Marylebone
• Three glowing reviews of the podcast, read by Andy in his inimitable style
• Meat and Potatoes: helping clients transition to the next stage whilst also looking after our own mental wellbeing
• Questions posted by our beloved Trappists @RightGilmore @matt_tumbers
• Culture Corner

Links referred to in the show:

• PFS legal costs were £800,000 in 2022: https://citywire.com/new-model-adviser/news/pfs-spent-800000-on-cii-legal-and-loan-advice/a2407879
• Rory Sutherland on Ep190 of Modern Wisdom: https://pca.st/bu1c0b91
• A Path Through The Jungle: https://www.audible.co.uk/pd/A-Path-through-the-Jungle-Audiobook/B09JSYVLGX 
• Maro Itoje podcast: https://podcasts.apple.com/gb/podcast/e176-maro-itoje-the-distinction-between-high/id1500444735?i=1000598153649
• Carl’s blog for himself: https://metisireland.ie/put-on-your-own-mask-first-my-mission-for-2023/
• John Dashfiled question stack: https://clientcentredadvisers.com/

============================
Take part in the conversation! We want YOU to suggest topics and questions you’d like the Trap Pack to answer. The best way to do this is to ask them here.

Help us to help you! The more followers we have, the more we can do stuff going forward. So please:

• Subscribe and Like our YouTube Channel
• Leave a 6/5 star review on iTunes
• Share TRAP with your peers and colleagues
• 'Enjoy' the Twitter chat at @AdviserPodcast.

****SLIGHT TECHNICAL ISSUES AT 50m AND 65m - STICK WITH IT!****

In this latest pile of TRAP, the Trap Pack discuss

• Topical issues, including a Trappist Six Nations rugby shindig on 4th Feb - all Trappists welcome! Come meet the Trap Pack and inhale some of their greatness
• Three glowing reviews of the podcast,  read by Andy in his inimitable style 
• Meat and Potatoes: The Client Acquisition Process in great depth. Also: Client Surveys - good and bad experiences
• Questions posted by our beloved Trappists @rfm1, @TheFinancialP70, Graham R
• Culture Corner

Links referred to in the show:

• NFC business cards: https://v1ce.co/
• Home Grown business networking club/hotel: https://homegrownclub.co.uk/
• Venue for the 4th Feb Six Nations shindig: https://www.theroyaloakmarylebone.co.uk/
• Nick on Abraham Okansanya’s Retirementals podcast: https://www.retirementals.co.uk/episodes/episode-47-bond-brawl-abraham-vs-nick-lincoln
• Simon Sinek podcast: https://simonsinek.com/podcast/
• In Good Company podcast: https://shows.acast.com/in-good-company-with-nicolai-tangen/episodes/michael-oleary-ceo-of-ryanair
• Founders podcast: https://founders.simplecast.com/

============================
Take part in the conversation! We want YOU to suggest topics and questions you’d like the Trap Pack to answer. The best way to do this is to ask them here.

Help us to help you! The more followers we have, the more we can do stuff going forward. So please:

• Subscribe and Like our YouTube Channel
• Leave a 6/5 star review on iTunes
• Share TRAP with your peers and colleagues
• 'Enjoy' the Twitter chat at @AdviserPodcast.

In this latest pile of TRAP, the Trap Pack discuss

• Topical issues, including a Trappist Six Nations rugby shindig on 4th Feb - all Trappists welcome! Come meet the Trap Pack and inhale some of their greatness
• A glowing review of the podcast, incredibly mangled by Andy
• Meat and Potatoes: The Client Acquisition Process in great depth
• Questions posted by our beloved Trappists Dar, @JcolcloughFP, @MAPSinclair
• Culture Corner

Links referred to in the show:

• “Midnight In Sicily” by Peter Robb: https://www.amazon.co.uk/Midnight-Sicily-Vintage-Classics-Peter/dp/009959580X/ref=asc_df_009959580X/?tag=googshopuk-21&linkCode=df0&hvadid=310891088870&hvpos=&hvnetw=g&hvrand=16607971176645754484&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9046037&hvtargid=pla-469120406857&psc=1&th=1&psc=1
• Executive Fit Club: https://www.executivefitclub.com/
• Venue for the 4th Feb Six Nations shindig: https://www.theroyaloakmarylebone.co.uk/
• Equitable Life: https://amp.theguardian.com/business/2004/mar/08/businessqandas.equitablelife
• Drive: The Surprising Truth About What Motivates Us: https://www.amazon.co.uk/Drive-Daniel-H-Pink/dp/184767769X
• Shaping Wealth programme https://www.shapingwealth.com/ocbo
• Bad Sisters: https://tv.apple.com/ie/show/bad-sisters/umc.cmc.14kr4vv65unannh7doqgvlh20

============================
Take part in the conversation! We want YOU to suggest topics and questions you’d like the Trap Pack to answer. The best way to do this is to ask them here.

Help us to help you! The more followers we have, the more we can do stuff going forward. So please:

• Subscribe and Like our YouTube Channel
• Leave a 6/5 star review on iTunes
• Share TRAP with your peers and colleagues
• 'Enjoy' the Twitter chat at @AdviserPodcast.

In this latest pile of TRAP, the Trap Pack discuss

• topical issues, including the spat between the CII and PFS
• a discussion on the big regulatory elephant in the room: Consumer Duty 
• a great question about fees from Devoted Trappist Dan Weston (@mcfplanning)
• questions posted by our beloved Trappists Chris Thompson and Martyn Sales
• Culture Corner

Links referred to in the show:

• White Lotus Season Two - where to watch it: https://www.radiotimes.com/tv/drama/the-white-lotus-season-2-release-date/
• Surrender by Bono: https://amzn.eu/d/hE4KOjS
• Optimize:.https://apps.apple.com/us/app/optimize-with-brian-johnson/id1135159918?ls=1
• Save the PFS https://ourpfs.co.uk/
• Monk Mode https://www.coaching-online.org/monk-mode/ 

============================
Take part in the conversation! We want YOU to suggest topics and questions you’d like the Trap Pack to answer. The best way to do this is to ask them here.

Help us to help you! The more followers we have, the more we can do stuff going forward. So please:

• Subscribe and Like our YouTube Channel
• Leave a 6/5 star review on iTunes
• Share TRAP with your peers and colleagues
• 'Enjoy' the Twitter chat at @AdviserPodcast.

In this TRAP Christmas Special, the Trap Pack devote an entire show to answering questions from our beloved Trappists.

On that note: the Pack would like to say a big “thank you” to all our dear Trappists who have made the show a success to date. We have plans to develop the show further and can only do it with the boost to our egos your feedback and support give us.

We wish all of you a very Happy Christmas and hope you smash 2023! And please keep sharing TRAP with your peers and colleagues.

Now, on with the show, in which the Trap Pack answers questions from our beloved Trappists @matt_aitchison @matt_tumbers @EssentiallyLtd @benjaminalves10 @mantaromoney @Mr_Munker @FaithLiversedge @AmGhai @JPotter5 @jambohughes1 @RobS_Kingmakers @PhilDouglasDon @joefroudfpfs @thefinancialP70 @darbiter @bluewaterfp

============================
Take part in the conversation! We want YOU to suggest topics and questions you’d like the Trap Pack to answer. The best way to do this is to ask them here.

Help us to help you! The more followers we have, the more we can do stuff going forward. So please:

• Subscribe and Like our YouTube Channel
• Leave a 6/5 star review on iTunes
• Share TRAP with your peers and colleagues
• 'Enjoy' the Twitter chat at @AdviserPodcast.