TRAP: The Real Adviser Podcast

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TRAP Forum is up and running. Join and take part: https://www.therealadviserpodcast.com/offers/EsrBjfso/checkout

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: JAMES BARDEN - GIVING RECRUITERS A GOOD NAME
TRAPist question from beloved TRAPist Conor Calahane
Culture Corner

Show links: http://tiny.cc/traplinks

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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.

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TRAP Forum is up and running. Join and take part: https://www.therealadviserpodcast.com/offers/EsrBjfso/checkout

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: LISA JOHNSTONE: How To Buy a Financial Advice Business
TRAPist question from beloved TRAPist Lee Denham https://www.linkedin.com/in/lee-w-denham-lifestyle-financial-adviser-awpetr-certltcp-adv-dipfa-fsre-cemap-cefa-98070b2b/
Culture Corner

Show links: http://tiny.cc/traplinks

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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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: 100 Not Out!
TRAPist question from beloved TRAPist Tom L
Culture Corner

Show links: http://tiny.cc/traplinks

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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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: COLIN LAWSON - Maintaining Equilibrium When Scaling
TRAPist question from beloved TRAPist A Cooper on https://www.mandg.com/dam/pru/shared/documents/en/pruf100920001.pdf
Culture Corner

Show links: http://tiny.cc/traplinks

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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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: TRAP - Taking Stock and Moving Forward
TRAPist question from beloved TRAPist Tom Goodwin https://www.linkedin.com/in/tom-goodwin-992b24a8/
Culture Corner

Show links: http://tiny.cc/traplinks

============================
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.

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In this latest pile of TRAP, live and in front of 240 devoted and very thirsty TRAPists at 229 Great Portland Street, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: TRAP TRACK 2026
TRAPist question from… our audience, strictly Chatham House, so nada for you. 45 mins of gold dust, which you got, if you were there.....
Culture Corner

Show links: http://tiny.cc/traplinks

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: RORY SUTHERLAND - Life, The Universe, and Everything
Culture Corner

Show links: http://tiny.cc/traplinks

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: The Pessimist Perception Problem
TRAPist question from Ash S
Culture Corner

Show links: http://tiny.cc/traplinks

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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.

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TRAP LIVE26 tickets on sale here: https://www.therealadviserpodcast.com/

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Matt Abouzeid: From Provider To Planner
TRAPist question from Stefan H
Culture Corner

Show links: http://tiny.cc/traplinks

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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.

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TRAP LIVE26 tickets on sale here: https://www.therealadviserpodcast.com/

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: interview with Madison McCall, Senior Multi-Asset Investment Product Specialist for Vanguard UK
TRAPist question from Richard Polson: https://www.linkedin.com/in/richardpolson93/
Culture Corner

Show links: http://tiny.cc/traplinks

============================
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.

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TRAP LIVE26 tickets on sale here: https://www.therealadviserpodcast.com/

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Star Fund Managers: Fairytales or Superheroes
TRAPist question from Sean Lowson: LinkedIn.com/in/seanlowson
Culture Corner

Show links: http://tiny.cc/traplinks

============================
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.

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TRAP LIVE26 tickets on sale here: https://www.therealadviserpodcast.com/

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Rohit Vaish from Saturn on AI in financial services
TRAPist question from Chris Rayner https://www.linkedin.com/in/chris-rayner-9216a645
Culture Corner

Show links: http://tiny.cc/traplinks

============================
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.

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TRAP LIVE26 tickets on sale here: https://www.therealadviserpodcast.com/

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: The Financial Planning Wizard of Aus
TRAPist question from Patrick Duggan
Culture Corner

Show links: http://tiny.cc/traplinks

============================
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.

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TRAP LIVE26 tickets on sale here: https://www.therealadviserpodcast.com/

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Interview with Fundment CEO and founder, Ola Abdul
TRAPist question from Wilson R
Culture Corner

Show links: http://tiny.cc/traplinks

============================
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.

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TRAP LIVE26 tickets on sale here: https://www.therealadviserpodcast.com/

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Independence Day: From SJP to IFA
TRAPist question from "Wilson M" (me neither)
Culture Corner

Show links: http://tiny.cc/traplinks

Sponsor Link: FundmentLive is happening Thursday 29th January 2026. Get your tickets here: https://fundmentlive.com/

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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.

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In this latest pile of TRAP, Lick delivers a mesmerisingly sexy State of The TRAP Nation 2026 Address.

Show links: http://tiny.cc/traplinks

Sponsor Link: FundmentLive is happening Thursday 29th January 2026. Get your tickets here: https://fundmentlive.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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: The Big Lessons of 2025
TRAPist question from Graham Compton https://x.com/GrahamCompton
Culture Corner

Show links: http://tiny.cc/traplinks

Sponsor Link: FundmentLive is happening Thursday 29th January 2026. Get your tickets here: https://fundmentlive.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:

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: What Real Advisers Say
TRAPist question from Mark D (Dampier?!)
Culture Corner

Show links: http://tiny.cc/traplinks

Sponsor Link: FundmentLive is happening Thursday 29th January 2026. Get your tickets here: https://fundmentlive.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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Paul Armson - "Mr Marmite" - with a special offer for TRAPists: go to https://www.inspiringadvisers.co.uk/TRAP50 and use the code TRAP50. For those U30, there’s a free membership deal - but you’ve got to listen to the episode to get it!
TRAPist question from Aaron Brann
Culture Corner

Show links: http://tiny.cc/traplinks

Sponsor Link: FundmentLive is happening Thursday 29th January 2026. Get your tickets here: https://fundmentlive.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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: The Future Of TRAP
Culture Corner (take two) with Conor Cahalane: https://www.linkedin.com/in/conorcahalanepromethean/

Show links: http://tiny.cc/traplinks

============================
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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Guest Meghaan Lurtz on (Less) Lonely Money: https://meghaanlurtz.substack.com/
TRAPist question(s) from Conor Cahalane https://www.linkedin.com/in/conorcahalanepromethean/
Culture Corner

Show links: http://tiny.cc/traplinks

============================
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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: First World Problems
TRAPist question(s) from Patrick Duggan: http://linkedin.com/in/patrick-duggan-06a61719
Culture Corner

Show links: http://tiny.cc/traplinks

============================
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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Cathi Harrison interview
TRAPist question(s) from Lee Denham
Culture Corner

Show links: http://tiny.cc/traplinks

============================
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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Consolidator Conflicts
TRAPist question(s) from Tom Oates: https://www.linkedin.com/in/tom-oates-qfa-rpa-523aba166?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=android_app
Culture Corner

Show links: http://tiny.cc/traplinks

============================
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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
- Meat and Potatoes: Summer Reset: Drift or Design?
TRAPist question(s) from no-one, but a mea culpa from Wodge!
Culture Corner

Show links: http://tiny.cc/traplinks
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Take part in the conversation! We want YOU to suggest topics and questions you’d like the Trap Pack to tackle. The best way to do this is to ask them here https://docs.google.com/forms/d/e/1FAIpQLSdd6R_nCDRGIYMu-U7YPyFfOB7V7tYTV0JxYTU8DiD-JTacVg/viewform
And don’t forget to leave a 6/5 star review on iTunes: https://podcasts.apple.com/us/podcast/trap-the-real-adviser-podcast/id1648027651

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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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Creating Winning Habits - with elite coach Joe O’Connor
TRAPist question(s) from Gavin M
Culture Corner

Show links: http://tiny.cc/traplinks

============================
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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Drawdown Decisions (FCA Retirement Income Advice Review)
TRAPist question(s) from Peter Watts https://www.linkedin.com/in/peter-watts-dippfs-cert-cii-mp-23047169/
Culture Corner

Show links: http://tiny.cc/traplinks

============================
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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Building A Shit Hot Client Experience
TRAPist question(s) from www.twitter.com/Tom_Oates54
Culture Corner

Show links: http://tiny.cc/traplinks

============================
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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: From Football to Finance with guest host Paddy Andrews
Culture Corner
TRAPist question(s) from Patrick Duggan: https://www.linkedin.com/in/patrick-duggan-06a61719

Show links: http://tiny.cc/traplinks

============================
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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: The Network Effect
Culture Corner
TRAPist question(s) from Dave Quinn www.twitter.com/investwiseFP

Show links: http://tiny.cc/traplinks

============================
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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: M&A Musings with special guest Rob Stevenson.
Culture Corner
TRAPist question(s) from Conor McLarnon http://linkedin.com/in/conormclarnon

Show links: http://tiny.cc/traplinks

============================
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.

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TRAPLIVE25 RECORDING PLUS Q&A!!!

In this latest LIVE pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: The Four Horsemen’s Origin Stories
Culture Corner
TRAPist question(s) from Peter Watts https://www.linkedin.com/in/peter-watts-dippfs-cert-cii-mp-23047169/
Q&A with the TRAP Pack and our beloved TRAPists

Show links: http://tiny.cc/traplinks

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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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: BitCoin Battles
Culture Corner
TRAPist question(s) from Anonymous Lewis

Show links: http://tiny.cc/traplinks

============================
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.

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TRAP LIVE25 - 14TH MAY. REGISTER INTEREST HERE: http://www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: The Couples Conundrum
Culture Corner
TRAPist question(s) from www.twitter.com/james_bulpit

Show links: http://tiny.cc/traplinks

============================
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.

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TRAP LIVE25 - 14TH MAY. REGISTER INTEREST HERE: http://www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Tariff Tantrums
Culture Corner
TRAPist question(s) from M Connor

Show links: http://tiny.cc/traplinks

============================
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.

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TRAP LIVE25 - 14TH MAY. REGISTER INTEREST HERE: http://www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Industry Events: The Good, Bad and The Ugly
Culture Corner
TRAPist question(s) from Chris Adams https://www.linkedin.com/in/chrisadamsapfs?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app, Lee Gleave https://www.linkedin.com/in/leegleave/ and Henry Taylor

Show links: http://tiny.cc/traplinks

============================
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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Annual Declines, How To Prepare Clients and Get Them Through
Culture Corner
TRAPist question(s) from Beck Fiddy: https://www.linkedin.com/in/beck-fiddy-71bb23292

Show links: http://tiny.cc/traplinks

============================
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.

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TRAP LIVE25 - 14TH MAY. REGISTER INTEREST HERE: http://www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: The Metrics That Matter
Culture Corner
TRAPist question(s) from Tom Brookes

Show links: http://tiny.cc/traplinks

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TRAP LIVE25 - 14TH MAY. REGISTER INTEREST HERE: http://www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits including LifeStrategy figures, NEST talking tripe, Vanguard says “No” to BitCoin, scrapping Cash ISAs, Abrdn selling advice branch, Dan Haylett podcast, Ben Carlson on how much is enough, Hargreaves Lansdown says Hargreaves Lansdown is great value, Robin Powell on how active fund managers invest their own money
Meat and Potatoes: Barney Whiter AKA The Escape Artist https://theescapeartist.me
Culture Corner
TRAPist question(s) from Patrick S

Show links: http://tiny.cc/traplinks

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TRAP LIVE25 - 14TH MAY. REGISTER INTEREST HERE: http://www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits including Deepseek, GIA CGT ruses, charging for initial meetings, millionaires fleeing UK, Carl’s 3rd Act, digital wills, DB pension surpluses, Tax Freedom Day, Tax List 2005, Voyant User Group 21st March tickets here: https://vug25.eventbrite.co.uk/
Meat and Potatoes: We Need To Talk About Trump
TRAPist question(s) from Jamie Cook www.twitter.com/jamiecook1997 and Chris Bowmer https://www.linkedin.com/in/chrisbowmer/

Show links: http://tiny.cc/traplinks

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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.

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TRAP LIVE25 - 14TH MAY. REGISTER INTEREST HERE.

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits including the passing of TRAPist Stuart Knight, massive outflows from active in 2024, Terry Smith annual letter, BitCoin Newport landfill horrors, private equity risk, Verve cohorts, Irish pension “loopholes”, Saba Capital coming after UK investment trusts, Phil Billingham on annual meetings/fee refunds, UK savers are too risk averse
Meat and Potatoes: Planning for 2025 - Plus Ça Change
TRAPist question(s) from Michael Reed http://linkedin.com/in/michael-reed-wealth-management and Dee HB
Culture Corner

Show links: http://tiny.cc/traplinks

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TRAP LIVE25 - 14TH MAY. REGISTER INTEREST HERE.

It's Christmas. There's no way we're getting anything done, so here's a lazy rehash of some juicy bits from 2024.

Have a good one, TRAPists - the TRAP Pack look forward to catching up with you in 2025.

Show links: http://tiny.cc/traplinks

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TRAP LIVE25 - 14TH MAY. PUT THE DATE IN YOUR DIARY! Click here to register your interest.============================
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TRAP LIVE25 - 14TH MAY. REGISTER INTEREST HERE.

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits including details about TRAP LIVE25, tax-free cash back in the toothpaste tube snafus, the need in Ireland & UK for consistent long-term pension legislation, Microstrategy joining the NASDAQ100, Goldman Sachs 10 year market prediction, touchy FIRE peeps, Vanguard raising prices on smaller pots
Meat and Potatoes: TRAP WRAP 2024
TRAPist question(s) from AN Other and Dean Brooks http://linkedin.com/in/dean-brooks-493730116
Culture Corner

Show links: http://tiny.cc/traplinks

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TRAP LIVE25 - 14TH MAY. PUT THE DATE IN YOUR DIARY! Click here to register your interest.============================
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.

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TRAP LIVE25 - 14TH MAY. PUT THE DATE IN YOUR DIARY! Click here to register your interest.

In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits including TRAP Live25 date - 14th May, Tom Redmayne’s property piece, SJP Property, Blackbee débâcle, Warren Buffer Share Pledge letter, Lifestyling woes, Irish commission ban pending, cash management crashes, Declan King joins Métis Norway, UK crypto owners, the dangers of not understanding MPS rebalancing and CGT
Meat and Potatoes: Analysing Adviser Alpha
TRAPist question(s) from www.twitter.com/@jamie42874251 and www.twitter.com/@gavincasey1970 https://www.Linkedin.com/in/gavincasey
Culture Corner

Show links: http://tiny.cc/traplinks

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TRAP LIVE25 - 14TH MAY. PUT THE DATE IN YOUR DIARY! Click here to register your interest.============================
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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits including HUM recap, Canada Life adviser resources, risk tolerances don’t change over time, crypto update (stay awake), Budget ripples and financial planning, new Irish health insurer, Labour to back FOS over charging vexatious claims, Canada Life 100+ resources, Sam Altman interviewed by Nicolai Tangen, the world’s most transparent fund, Fundsmith AGM, cash on platforms (again)
Meat and Potatoes: Completely Unnecessary Complications (CUC)
TRAPist question(s) from www.twitter.com/arongunningham https://www.linkedin.com/in/arongunningham/ and “K Pennypacker”
Culture Corner

Show links: http://tiny.cc/traplinks

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TRAP LIVE25 - 14TH MAY. PUT THE DATE IN YOUR DIARY! Click here to register your interest.============================
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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits including Budget analysis both onshore and offshore peeps, 5% AUM acquisition models, more (potential) Irish fraud, SJP new charging model going down like a bucket of cold vomit, a UK Ponzi scheme, the struggles of a young adviser, Métis Norway hiring yet again, a Bulletproof MBA course
Meat and Potatoes: Adviser YouTube Mastery With James Shack(ell)
TRAPist question(s) from www.twitter.com/conor_beaumont https://www.linkedin.com/in/conor-beaumont
Culture Corner

Show links: http://tiny.cc/traplinks. Chris Emmott's execellent guide to the Budget for international clients is here: https://www.dropbox.com/scl/fi/l04c9aedyexqt3f8blgpv/Budget-Summary-for-International-and-Overseas-Affected-Clients-EBG-International.pdf?rlkey=oihbam52ceydltqsafi9ly62i&dl=0

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TRAP LIVE25 - 14TH MAY. PUT THE DATE IN YOUR DIARY! Click here to register your interest.============================
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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits including Irish pension funding changes, FT article on how risk has been so misunderstood, art scams, adviser fee levels, FCA reviews of ongoing services and consolidators
Meat and Potatoes: Full Fit Financial Planning
Culture Corner

Show links: http://tiny.cc/traplinks

============================
TRAP LIVE25 - 14TH MAY. PUT THE DATE IN YOUR DIARY! Click here to register your interest.============================
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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits including conflicts of interest, Mind The Gap, why the bucket approach works, CTFs, Kathleen Gallagher on wealth managers fiddling with the graphs, UK and Irish budget forecasts/reactions, Keith Butten (Boosst) masterclass, new HL active savings site, four things clients value most from advisers
Meat and Potatoes: Slow Motion Wealth Destruction
Questions posted by our beloved TRAPist Adam Ellul www.linkedin.com/in/AdamEllul
Culture Corner

Show links: http://tiny.cc/traplinks

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TRAP LIVE25 - 14TH MAY. PUT THE DATE IN YOUR DIARY! Click here to register your interest.============================
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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical Titbits
Meat and Potatoes: Breaking Bad News
Questions posted by our beloved TRAPist Darren F: http://linkedin.com/in/darren-ford-dipfa-65452a96
Culture Corner

Show links: http://tiny.cc/traplinks

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Because of scheduling issues, we had to record this episode over a week before its release. An hour after recording, the scrapping of the idiotic "British ISA" was announced. That's why we don't mention it. We may do next episode. Don't bank on it #AbsoluteShambles

In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including DFA movie premiere, TRAP saying “No” to Tough Mudder in 2024, private equity to retail investors, protection review, Standard Life retirement survey, Budget what-ifs, Norges Bank
Meat and Potatoes: Efficient Market Hype
Questions posted by our beloved TRAPist www.twitter.com/pdragoumis
Culture Corner

Show links: http://tiny.cc/traplinks

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including more Irish fraud, US rookie adviser failure rate, UK IFA profitability trends, Central Bank of Ireland on crypto, BestInvest’s Spot The Dog, Vanguard getting “expensive”, SJP and Polaris, boring CVs, US pension horror stories, another AI startup
Meat and Potatoes: KPIs - Key People of Influence
Questions posted by our beloved TRAPists Russ M and Ollie L (neither had socials)
Culture Corner

Links referred to in the show:

NL: turns out Hargreaves Lansdown DOES have a Slavery Policy. FFS. Goodnight, UK plc: https://x.com/HatTipNick/status/1824716616099156147
CW: Investment Fraud alive and well in Ireland https://www.rte.ie/news/ireland/2024/0823/1466327-investment-fraud/#:~:text='Staggering'%20rise%20in%20investment%20fraud,%E2%82%AC28m%20stolen%20last%20year&text=Garda%C3%AD%20have%20warned%20of%20a,than%202021%20and%202022%20combined
NL: Cerulli 2023 report into US adviser numbers and rookie failures: https://www.cerulli.com/press-releases/the-financial-advisor-industry-has-a-headcount-problem H/T to Ermos Erotocritou CFP https://www.linkedin.com/in/ermos?miniProfileUrn=urn%3Ali%3Afsd_profile%3AACoAAAIJTVEBxQYOFu0tzywLz5MvLmC_1bYQ2yo&lipi=urn%3Ali%3Apage%3Ad_flagship3_detail_base%3BXD36DPgCTYWqsIEDTo2ciQ%3D%3D
AS adviser profitability trends https://www.professionaladviser.com/news/4343067/profits-financial-adviser-firms
AH - HL cash rates https://www.hl.co.uk/charges-and-interest-rates - Trading 212 5.2% to 5% - Transact 4.95% - CD Impact - What do DFMs pay.
CW: The Central Bank of Ireland view on Cryptocurrency https://www.centralbank.ie/consumer-hub/crypto-consumer-information#:~:text=Crypto%20is%20not%20a%20regulated,crypto%20and%20crypto-related%20products
NL: https://www.ft.com/content/495a5329-c4f7-4731-938d-a2ef48851558 BestInvest’s “Spot The Dog”. H/T to Robin Powell.
CW: Laya Healthcare increase prices again

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including FPSB Ireland making great strides, Truflation, the primacy of equities, CISI Chartered Status, Verve Incubator, Hargreaves Lansdown delisting, HUM London nearly sold out
Meat and Potatoes: Much Ado About Nothing
Questions posted by our beloved TRAPist https://twitter.com/JoinedUpJill
Culture Corner

Links referred to in the show:

Shrinking advice market https://www.moneymarketing.co.uk/news/access-to-advice-shrinking-as-firms-focus-on-clients-with-higher-assets/
https://citywire.com/new-model-adviser/news/we-culled-20-of-our-clients-advisers-on-consumer-duty-one-year-on/a2447375?re=122463&refea=2113338&link_id=1678599
AH - FT Funds offering protection from volatility fail to deliver in sell-off - https://www.ft.com/content/2d2ce18b-f842-4912-babf-f4b8c1190c0d
CW - FPSB Ireland - 5-year strategic plan https://www.fpsb.ie/cfp-professionals-area/financial-planning-awareness/
AS - Truflation - 37% since 2020 (BofE says 23% CPI!) https://truflation.com/calculator
NL - despite recent market downside volatility, equities retain primacy: https://monevator.com/us-historical-asset-class-returns/
AS - CISI creates Chartered status based on a number of years working.
CW: Mind-boggling Irish pillar bank profits https://www.rte.ie/news/business/2024/0731/1462736-bank-of-ireland-h1-results/
AS - Verve adviser incubator- last cohort of 2024 https://www.professionaladviser.com/interview/4342130/adviser-incubator-meet-graduate-rebecca-bonner
AH - Kyle Walker divorce papers made public - https://assets.caselaw.nationalarchives.gov.uk/ewfc/b/2024/212/ewfc_b_2024_212.pdf
NL/AH - Hargreaves Landsdown delisting: will the last company to leave UK plc please turn off the lights: https://www.thisismoney.co.uk/money/markets/article-13728573/Founders-line-850m-payday-Hargreaves-Lansdown-goes-private-5-4bn-takeover-agreed.html
AH - FTSE 100 Pension Schemes -

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including cyber security, Monzo pensions, DFA Matrix Book, Métis Ireland work award, Consumer Duty one year on, stupid market predictions from Morgan Stanley
Meat and Potatoes: What’s Risk Got To Do With It?
Questions posted by NO beloved TRAPist because of time
Culture Corner

Links referred to in the show:

Meat and Potatoes backstory:
https://www.linkedin.com/posts/hattipnick_alan-smith-alanjlsmith-on-x-activity-7222193905272791040-cjlJ?utm_source=share&utm_medium=member_android
https://x.com/alanjlsmith/status/1815729851082400199?s=46
AH - Wealth giant Evelyn up for sale as Permira seeks exit for £1.5bn - https://www.thetimes.com/business-money/companies/article/wealth-giant-evelyn-up-for-sale-as-permira-seeks-exit-for-15bn-gtcnw2s5f
AS - Monzo pensions https://monzo.com/pensions
AS - New DFA Matrix book is out https://tinyurl.com/4bmxwsne
CW: Metis Ireland featured in Best Places to Work https://www.linkedin.com/feed/update/urn:li:ugcPost:7218177619588976640/?actorCompanyId=1912648
CW: Morgan Stanley - “markets should brace for a 10% correction”https://www.independent.ie/business/world/markets-should-brace-for-a-stocks-correction-of-10pc/a2102767540.html?mc_cid=97232c45dc&mc_eid=f47c629345
AS - advice to younger financial planners https://www.linkedin.com/pulse/my-advice-financial-planners-entrepreneurs-alan-smith--ckkae?utm_source=share&utm_medium=member_ios&utm_campaign=share_via
AS - Swim With The Sharks Without Being Eaten Alive: Outsell, Outmanage, Outmotivate and Outnegotiate your Competition https://amzn.eu/d/03sTVyQm
NL: The Great Post Office Scandal by Nick Wallis: https://www.amazon.co.uk/Great-Post-Office-Scandal-multimillion/dp/1916302386
CW: Do Business, Do Life Podcast with Brad Johnsonhttps://bradleyjohnson.com/episode/entrepreneur-in-therapy-brad-johnson/

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Swim with the Sharks...Without Being Eaten Alive

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Della Voce was bobbing along lost somewhere in the Atlantic; Storyteller was in an internet-lousy Turkey. So we had a guest host in Samantha Russell, a “Chief Evangelist” or something. Check out her profile here: https://www.linkedin.com/in/samanthacrussell/recent-activity/all/

In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including the Euros, TRAP’s first award (yes, really), IRIS, JP Morgan Guide to Retirement, Powerball winners fleeced, humans trusted more than AI (no shit), Schroders Adviser Survey 2024, Tavistock v Titan,
Meat and Potatoes: Universal Marketing Truths
Questions posted by our beloved TRAPist Jake: https://www.linkedin.com/in/jacob-parsons1664
Culture Corner

Links referred to in the show:

Sam - https://news.northwesternmutual.com/planning-and-progress-study-2024 (People of all generations trust humans significantly more than AI when it comes to helping them with their financial plans,
NL - IRIS tax-return software: https://www.iris.co.uk/products/iris-elements/tax/
AH - JP Morgan Guide to Retirement 2024 PDF https://am.jpmorgan.com/us/en/asset-management/institutional/insights/retirement-insights/guide-to-retirement/
NL - US$60M Powerball winners fleeced by commission-based adviser: https://www.wsj.com/finance/investing/a-couple-won-the-powerball-investing-it-turned-into-tragedy-fc8fd31c?st=2kwdddr07zzvgb4&reflink=desktopwebshare_permalink
AH https://advisoryai.com/
Sam - wealth in America Edelman financial engines https://www.edelmanfinancialengines.com/wealth-in-america-2023
NL: Schroders Adviser Survey 2024: https://mybrand.schroders.com/m/698c9b0d5bf92c4/original/Schroders-Adviser-Pulse-Survey-2024.pdf
AS - Tavistock/Titan debacle https://www.cityam.com/titan-and-tavistock-descend-into-legal-spat-over-sustained-period-of-unacceptable-performance/
NL: friend of the show Banker On Wheels, useful guide to indexes and comparison of MSCI v FTSE: https://w

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including Della Voce’s 50th party, 12% commission for bust DFM, painful banking for IFAs, Vanguard’s 365 program, L&G workplace pension going into private equity, potential TRAP Tough Mudder team, Taylor Swift takes over Ireland, Debbie Condon’s LOA guide goes online, wasteful public pensions
Meat and Potatoes: The Greatest Scandal of All
Questions posted by beloved TRAPist Catherine Morgan: https://www.linkedin.com/in/catherine-morgan-a762a413/
Culture Corner

Links referred to in the show:

Della Voce’s 50th party, 12% commission for bust DFM, painful banking for IFAs, Vanguard’s 365 program, L&G workplace pension going into private equity, potential TRAP Tough Mudder team, Taylor Swift takes over Ireland, Debbie Condon’s LOA guide goes online, wasteful public pensions
AH - The football, England 3 games away from lifting the trophy.
Carl’s big birthday: https://www.youtube.com/shorts/SVTHjdpcFXU
All - advising on potential changes – removal of TFC, pre funding school fees etc
CW: 12% commission for bust DFM https://citywire.com/new-model-adviser/news/dfm-directors-banned-for-69m-commission-driven-bond-scheme/a2445021?re=121444&refea=1287904&link_id=1652775
NL - business banking thread in IFA Forum: good reports on Revolut, NatWest/Mettle, Lloyds. Very negative on Santander. Tide, Metro and Starling blow hot and cold.
AS - Be Long https://www.be-long.co/
CW: Vanguard 365 Practice Management https://www.vanguard.co.uk/professional/vanguard-365/practice-management/marketing/how-to-build-your-professional-investor-bran
AH - L&G Workplace pensions to be diverted into private equity https://www.thetimes.com/article/22a4b825-b0ab-443c-b84b-80c55fb6e6ad?shareToken=544da25f69a4c890d0ca6acbb7f806ad
AS - TRAP Tough Mudder Team.
DFA resources https://www.dimensional.com/gb-en/financial-professionals/dimensional-360/business-strategy
CW: Taylor Swift hits Ireland
NL - Debbie Condon’s LOA guide goes online. It’s £4pm plus VAT: https://www.intuitivesupportservices.com/register
AS - Index Fund Advisors article https://www.ifa.com/articles/scandalo

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including Storyteller’s Munich Massacre, useful online calculators, ATR questionnaires for three year olds (!), MPs and double standards (!), nomination of beneficiary woes, Vanguard TRAP seminar feedback, Ade Edmondson investment gaff
Meat and Potatoes: Of Tournaments and Trophies: The Awards Industry
Questions posted by our beloved TRAPist Tom N
Culture Corner

Links referred to in the show:

NL: reminder of how useful Hargreaves L online calculators are: https://www.hl.co.uk/pensions/tax-relief/calculator
CW: Central Bank of Ireland “Dear CEO” letter critical of compliance standards: https://www.independent.ie/business/personal-finance/brokers-heavily-criticised-for-poor-practices-by-central-bank/a1180315516.html?mc_cid=560d48dbac&mc_eid=f47c629345
AH - MPs accused of double standards over pension scheme Only 1% of parliamentary retirement fund is invested in UK equities, despite politicians talking up the case for investing in Britain https://www.thetimes.com/article/705a7372-86cc-4bf4-af88-b4b5db9ff9ce?shareToken=5c0f02e19a8c5e3b990c965b10d058c8
NL: WSJ story on nomination of beneficiary horror tale: https://www.wsj.com/personal-finance/inherited-retirement-savings-beneficiary-breakup-divorce-849e3ff2?st=r25xsho331jpvgg&reflink=desktopwebshare_permalink
AS - Vanguard TRAP Webinar on Adviser Alpha (300 registered - 200 attended live) Recording available https://event.on24.com/wcc/r/4584722/8D0D76D89A13CF7D9AF43C6FD0F9DD84
AH - Credit Suisse Global Investment Returns Yearbook 2023 - https://www.credit-suisse.com/media/assets/corporate/docs/about-us/research/publications/credit-suisse-global-investment-returns-yearbook-2023-summary-edition.pdf - JP Morgan, Barclays, CS, all conclude the markets beats any humans
NL: Adrian Edmondson, another celebrity/influencer/endorser of property over pensions/GCOTW: https://www.linkedin.com/posts/kusalariyawansa_property-stockmarket-ugcPost-7206179916441104388-Hc_p?utm_source=share&utm_medium=member_desktop
AH - The C Wor

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including BTC ETFs coming here, insurance payouts from Royal London, SPIVA Persistence, Bank of Ireland saving rate rises, pension dashboard (really dull), Canada Pension Plan active follies, Abrdn price cuts
Meat and Potatoes: Politics - do you or don’t you?
Questions posted by our beloved TRAPist www.twitter.com/DomSpalding
Culture Corner

Links referred to in the show:

Vanguard TRAP landing page: https://www.vanguard.co.uk/professional/insights-education/events-webinars/vanguard-at-the-real-adviser-podcast
Timeline TRAP landing page: https://www.timeline.co/trap-live
CW: The US TRAP?! The Unlock https://www.youtube.com/watch?v=5GP-laLIlss
AS - BTC ETFs arrive in the UK
https://www.ft.com/content/76e9ecf3-4429-42c5-a945-43ab92abfda4
AH Royal London 2023 claims payout - https://adviser.royallondon.com/protection/our-claims-record/
NL: Neil Woodford’s excellent piece on the decline of the UK stock market (as covered by us in episode 17) (https://www.buzzsprout.com/2056762/12602273)
https://www.woodfordviews.com/post/a-quarter-century-of-damaging-reforms
AS - SPIVA Persistence Report Card https://www.spglobal.com/spdji/en/spiva/article/europe-persistence-scorecar
CW: Bank of Ireland raises interest rates https://www.rte.ie/news/business/2024/0529/1451872-bank-of-ireland-deposit-rates/
AH - Pension Dashboards - Aviva and Scottish Widows plan to become official pensions dashboard operators, joining a coalition of companies seeking to breathe life into the long-delayed project. https://www.thetimes.co.uk/article/aviva-and-scottish-widows-to-join-pension-dashboard-coalition-55f5ctfnf
NL: Canada Pension Plan Fund tale of active woe: https://www.theglobeandmail.com/opinion/article-eighteen-years-and-46-billion-later-the-cpp-admits-it-could-have/
AS Abrdn price cut - are we heading to 100 bps all in? AH YES WE ARE.
AH - Motem - client journey Melissa Kidd - https://motem.co.uk/ Ace Your Annual R

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TRAP Live!

This is a TRAP episode recorded on 9th May 2024 in front of 140 adoring TRAPists at Lola's, the louche, loose, slightly dangerous bar in the underground caverns of the world-famous London Hippodrome casino.

Our sources confirm that this is the first (last?) UK financial services-related live podcast held in the UK and, secondly, there has never been any financial services event in the UK involving so much alcohol.

The show follows the normal format, albeit in a slightly more "shambolic" fashion than normal.

At the end, there's a bonus 30-minute Q&A session where the TRAP Pack fields an assortment of idiotic questions from our beloved TRAPists.

Thanks to Emmelia Powell for emceeing the chaos and Dan Haylett for his excellent pre-recording presentation. And lots of love for our event partners (with special TRAP-focused landing pages), Vanguard and Timeline.

No thanks at all to the striking train drivers. Bring on the robots.

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So today is TRAP Live, and we can't put out a show. Fear not, TRAPists, the live show is being recorded and will come out in two weeks, on 23rd May, Episode 45.

For the moment, here's a compilation of bits from previous episodes. Enjoy!

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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including the imminent TRAP Live event, superb service, FCA fee review update, Ultra’s new book (yes, really), Voice’s “planning” week, more Irish investment fraud
Meat and Potatoes: Bricks and Torture
Questions posted by our beloved TRAPist Patrick Duggan
Culture Corner

Links referred to in the show:

Meanwhile, service standards elsewhere are awful: https://www.ft.com/content/0a5d30ed-164f-4b9f-a049-fc9692219f79
CW: Investment fraud https://www.rte.ie/news/2024/0405/1441779-investment-fraud/
NL: Leveraging Wealth: The Advice Amplified podcast with IFA Pete Ridlington.Property vs. Equity: Tej Singh: https://pca.st/736pxk89
Keeper Security over LastPass? https://www.keepersecurity.com/en_GB/ H/T to Jon Doyle www.twitter.com/juniper_jon
Diary of a CEO - Jimmy Carr: "I've Found The Cure For My Anxiety!" https://www.youtube.com/watch?v=uHLAazKUU68
CW: David McWilliams Podcast - interview with Michael Lewis re SBF https://podcasts.apple.com/ie/podcast/the-david-mcwilliams-podcast/id1462649946?i=1000651097893
AS - Brett Davidson newsletter https://fpadvance.com/blog/

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TRAP LIVE IS HAPPENING ON 9th MAY 2024. BUY TICKETS HERE: www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including Paddy Andrews Métis Norway appt, US$90 trillion to move between generations, surge meeting review, SPIVA S&P Global, the passing of Danny Kahneman, another unregulated investment scheme goes belly up, Ali Hussain in the Sunday Times on adviser fee refunds
Meat and Potatoes: AI
Questions posted by our beloved TRAPists www.twitter.com/@SamColbyButcher and https://www.linkedin.com/in/janemcaleese
Culture Corner

Links referred to in the show:

CW: Paddy Andrews appointed Director at Metis Ireland: https://businessplus.ie/news/metis-ireland-paddy-andrews/
NRL: 4 million US citizens will turning 65 every year until 2030. “A study from Knight Frank details that over $90 trillion in assets will move between generations over the next 20 years.”: https://www.morningstar.com/financial-advice/record-number-americans-are-turning-65-thats-great-news-financial-advisors?utm_source=eloqua&utm_medium=email&utm_campaign=newsletter_advisordigest&utm_content=52931
AH surge meeting season over, thoughts, reflection, points to note.
CW: Would a round table of active fund managers say the same? https://citywire.com/new-model-adviser/news/do-etf-bosses-invest-in-their-own-products/a2439481?re=118846&refea=1287904
AH - Spiva S&P Global - https://www.spglobal.com/spdji/en/research-insights/spiva/
NRL: “For all his knowledge of how foolish investors can be, Danny didn’t try to outsmart the market. “I don’t try to be clever at all,” he told me. Most of his money was in index funds. “The idea that I could see what no one else can is an illusion,” he said.
“All of us would be better investors,” he often said, “if we just made fewer decisions.” Jason Zweig (paywall) article on the late Danny Kahneman: https://www.wsj.com/finance/investing/daniel-kahneman-behavioral-economics-270c9797?mod=djintinvestor_t
CW: Solar 21 going pear-shaped despite “ray of light” last summer: https://www.independent.

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.

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TRAP LIVE IS HAPPENING ON 9th MAY 2024. BUY TICKETS HERE: www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including Finish fables, JISA joys, Leffler love, cheap online tax-returns, total returns mean dividends, FCA thematic review #1,242, True Potential CEO says the quiet part out loud
Meat and Potatoes: Clients or Customers?
Questions posted by our beloved Steven S www.twitter.com/passivevanguard
Culture Corner

Links referred to in the show:

Edward Leffler: https://www.ft.com/content/6d4f870c-f39a-4a06-a18f-f1e65484f35a
AH - https://www.taxd.co.uk/ Easy/Cheap Tax Filing. NL on this: should 40% PAYE taxpayers trust HMRC or should they self-assess as a matter of course?
CW: Idea for your advisory firm ….. Metis 5K Fund Run for Charity https://www.linkedin.com/feed/update/urn:li:activity:7173968807340691458
AS - total returns https://www.timeline.co/blog/is-the-ftse-100-misleading
NL - 100 years of Edward Leffler’s transformational idea: https://www.ft.com/content/6d4f870c-f39a-4a06-a18f-f1e65484f35a
AH - FCA - Article - Undertaking cashflow modelling to demonstrate the suitability of retirement-related advice https://www.fca.org.uk/firms/undertaking-cashflow-modelling-demonstrate-suitability-retirement-related-advice
CW: Metis Ireland is hiring https://www.linkedin.com/feed/update/urn:li:activity:7176905922131173376
AS FCA Thematic Review / AS - Fees for no service https://www.fca.org.uk/publication/thematic-reviews/tr24-1.pdf
CW: Most clients don't need advice according to True Potential CEO https://citywire.com/new-model-adviser/news/true-potential-ceo-its-very-rare-our-clients-need-advice/a2438636?re=118418&ea=1287904&utm_source=BulkEmail_NMA_Daily_Single_EAM&utm_medium=BulkEmail_NMA_Daily_Single_EAM&utm_campaign=BulkEmail_NMA_Daily_Single_EAM

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.

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TRAP LIVE IS HAPPENING ON 9th MAY 2024. BUY TICKETS HERE: www.therealadviserpodcast.com
In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including Artic Rambles, Bitcoin yawns, Irish Banks, double-dipping, British ISAs, good PR firms, Best Buy lists
- Meat and Potatoes: SJP: Big Brands, Big Challenges
Questions posted by our beloved TRAPist Will Bennett: https://www.linkedin.com/in/will-bennett-dippfs-7a230792/
Culture Corner

Links referred to in the show:

NL - TRAP YouTube hits the Steve Harris mark. http://www.youtube.com/@adviserpodcast
https://youtu.be/WxnN05vOuSM?si=bz8T7Cng7tOZ5sTX
AS - double dipping saga continues https://citywire.com/new-model-adviser/news/revealed-the-8-platforms-double-dipping-before-fca-s-deadline-today/a2437299
AH - Norwegian Oil Fund to diversify to PE 3-5% - the fund drags to the extent it’s under-exposed to global equities. NEXT, all funds and all investors do. https://www.ft.com/content/55837df7-876f-42cd-a920-02ff74970098
NL - Budget and British ISA! My LinkedIn piece: https://www.linkedin.com/posts/hattipnick_dear-worldnaacs-if-you-think-im-changing-activity-7171425884334182400-4tPp?utm_source=share&utm_medium=member_desktop
CW: A good PR firm = priceless https://www.irishtimes.com/business/2024/02/29/goodbody-fined-1225m-by-central-bank-for-breach-of-market-abuse-laws/
AS: 80/20 Principle - Richard Koch https://www.amazon.co.uk/80-20-Principle-Secret-Achieving/dp/1857883993
https://pca.st/episode/512b566a-e063-4ffa-b4d1-b22f3d51ec7f
CW: John Collison & Charlie Munder podcast https://podcasts.apple.com/us/podcast/a-conversation-with-charlie-munger-john-collison/id1154105909?i=1000637534393
NL: Tribes, by Seth Godin: https://www.goodreads.com/book/show/12262996-tribes
AH - Morning Brew Daily Email https://www.morningbrew.com/daily
AH - The Billionaire, The Butler, and the Boyfriend - https://www.netflix.com/title/81306326

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.

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TRAP LIVE IS HAPPENING ON 9th MAY 2024. BUY TICKETS HERE: www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including Meta declaring its first dividend, update on TRAP Live, another FIRE story, Lombard Loans, Nikkei back to 1989, the “death” of the value premium
Meat and Potatoes: You’re Fired - Sacking Yourself Off
Questions posted by our beloved TRAPists Alastair P www.twitter.com/ap592d
Culture Corner

Links referred to in the show:

Financial Life Planner https://open.spotify.com/show/6vdF54D6IfBGy20h6Xvt4k
Bulletproof Entrepreneur https://open.spotify.com/episode/0rcawAuktBSE66w7axio7V?si=xrfZjevNSLKlqkA6TnRRJQ
Lick’s latest Substack squib: https://www.hattipnick.com/p/a-quick-one-1989-and-all-that
NL - Meta pays its first dividend. US$0.50 a share but it’s a start: https://www.morningstar.co.uk/uk/news/245717/metas-first-dividend-explained.aspx
CW: Latest article re FIRE movement https://www.irishtimes.com/your-money/2024/02/21/fire-is-financial-independence-retire-early-possible-look-at-how-you-are-spending-your-money/
AS: Lombard loans https://www.firenzeme.com/
NL - The Unhedged Podcast (FT): https://pca.st/ducu3zgt
AS: Perplexity. Ai https://www.perplexity.ai/
AS: Excellent article on Kitces blog https://www.kitces.com/blog/prospect-process-advisor-value-client-relationship-trust-building/
AH - Pots of Gold - https://www.mygsn.co.uk/ cheap, healthy, simple and nice. The busy professionals dream.
CW: Why We Sleep by Matthew Walker - https://amzn.to/3IesCBm

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.

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View Details

TRAP LIVE IS HAPPENING ON 9th MAY 2024. BUY TICKETS HERE: www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including TRAP Live announcement, scams, the Irish FPSB, accountants and pensions and misconceptions, Irish consolidation, retirement living standards, the destruction AND creation of wealth, HUM Premium price changes, MS Copilot
Meat and Potatoes: The Wealth Transfer: Hype or Real?
Questions posted by our beloved TRAPists Will Bennett https://www.linkedin.com/in/will-bennett-dippfs-7a230792/
Culture Corner

Links referred to in the show:

CW: Samantha Russel is www.twitter.com/samanthatwenty
NL: www.tiny.cc/ifaforum
AS - Scams https://x.com/alanjlsmith/status/1751905578580873378?s=46&t=sRHfdIQon2TfFJRFg7K23w
AH -THE RETIREMENT LIVING STANDARDS - pro savings and thinking https://www.plsa.co.uk/Policy-and-Research/Topics/Retirement-Living-Standards - https://moneytothemasses.com/news/pension-needed-in-retirement-rises-in-2024-amidst-cost-of-living-crisis
AS - Wealth destruction at scale https://markets.businessinsider.com/news/funds/cathie-wood-ark-invest-wealth-destroyed-tech-stocks-morningstar-arkk-2024-2
AH - 15 Top Wealth Creators in the Fund Industry - https://www.morningstar.com/funds/15-top-wealth-creators-fund-industry-2
Wealth Transfer - Is the Hype Real? - https://www.humansundermanagement.com/blog/wealth-transfer -
AH - Stutz - Phil - Netflix: https://www.netflix.com/title/81387962
AS - Tim Ferris with Noah Kagan podcast https://www.youtube.com/watch?v=_htIvi4JzOs
CW: Happy Birthday Triplets this Valentine’s Dayhttps://music.apple.com/ie/album/this-is-the-one/325549329?i=325549345

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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View Details

TRAP LIVE IS HAPPENING ON 9th MAY 2024. REGISTER YOUR INTEREST HERE: www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including Transact price reductions, disastrous Lifestyling consequences, Métis Annual Planning Day, US$6TN in cash, Financial Planning Week, Irish IX set for launch, Hargreaves Lansdown pension complainant, Capital is recruiting, HUM London speaker suggestions please, TRAP Live update
Meat and Potatoes: Investment Fundamentals 101
Questions posted by our beloved TRAPists Chris Bowers: https://www.linkedin.com/in/chris-bowers-043190174/
Culture Corner

Links referred to in the show:

NL Investment Philosophy: https://www.dropbox.com/scl/fi/ow70abae5od6a52tymvan/V2V-Investment-and-Asset-Allocation-Philosophy-2024.pdf?rlkey=w2yg7mbt3eyoznckdcm1hje3s&dl=0
AH - Transact price reductions - https://www.transact-online.co.uk/introduction-january-2024/
AH - Lifestying revisited - FT Podcast - high return to low return - missed returns now capital destruction - https://www.ft.com/content/ab059105-b9f5-4e7e-8896-dbdede87c3af
https://henrytapper.com/2024/01/27/no-one-cares-as-much-about-your-pension-as-you-do-but-claer-barrett-comes-close
Lifestyling your way to poverty - Maven Money - https://www.mavenadviser.com/podcast-9/lifestyle-poverty
CW - Metis Annual Planning Day https://www.linkedin.com/feed/update/urn:li:activity:7153120249381376001/
NL: Record amount sitting in cash in the US ($6TN): https://apolloacademy.com/6-trillion-on-the-sidelines-in-money-market-funds/
AH - Financial Planning Week 2024 - Jan 22-28th - https://www.cisi.org/cisiweb2/wayfinder/tips-and-tools
AS - New HMRC app https://apps.apple.com/gb/app/hmrc/id514561561
AS/NL: lunatic gambles away pension pot and then runs to Mummy crying: https://www.ftadviser.com/sipp/2024/01/22/pensioner-urges-hargreaves-to-create-safeguards-after-he-gambled-away-sipp/
AS - Finimize

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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View Details

TRAP LIVE IS HAPPENING ON 9th MAY 2024. REGISTER YOUR INTEREST HERE: www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including Irish salary sacrifice, Ray Trapani interview with Storyteller and BitCoin ETFs, NextGen and Verve adviser resources, cash flow as an “optional extra”, Timeline Classic 50 MPS laudits
Meat and Potatoes: ABL - Always Be Learning
Questions posted by our beloved TRAPists www.twitter.com/abb04645603
Culture Corner

Links referred to in the show:

CS - salary sacrifice https://www.revenue.ie/en/tax-professionals/tdm/income-tax-capital-gains-tax-corporation-tax/part-05/05-01-01k.pdf
AH - a year in returns: https://novelinvestor.com/2023-a-year-in-returns/?mc_cid=dd7293af86&mc_eid=60c55a4dd8
AS - NextGen and Verve resources: https://www.nextgenplanners.co.uk/academy https://thevervefoundation.co.uk/incubator/
NL - BitCoin ETF: https://news.bitcoin.com/vanguard-deepens-anti-crypto-stance-after-disallowing-spot-bitcoin-etf-trading-ark-ceo-says-its-a-terrible-mistake/
AH - Timeline Classic: https://portfolio-adviser.com/defaqto-names-timeline-classic-50-as-most-recommended-mps-by-advisers/
Google Keep: https://keep.google.com
Evernote: https://evernote.com/
Readwise: https://readwise.io/
CW: Michael Kitces podcast on the “big swap” for Finacial Advisers - health and wealth https://podcasts.apple.com/ie/podcast/financial-advisor-success/id1190341231?i=1000640311861
NL: Dead In The Water:Murder and Fraud in the World's Most Secretive Industry
https://www.amazon.co.uk/Dead-Water-Murder-Secretive-Industry-ebook/dp/B09LXD9LSP/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=&sr=
AS - Ali Abdaal Feel Good Productivity https://www.amazon.co.uk/Feel-Good-Productivity-Achieve-More-Matters/dp/184794373X y
AH - The Family Board Meeting: You Have 18 Summers to Create Lasting Connection with Your Children Third Edit

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.

View Details

TRAP LIVE IS HAPPENING ON 9th MAY 2024. REGISTER YOUR INTEREST HERE: www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including a clash over FIRE, Morgan Stanley’s woeful 2023 prediction, the follies of mis-asset allocation, BitCoin
Meat and Potatoes: Three Wins, Two Learns, One Goal
Questions posted by our beloved TRAPists Guy Skinner (http://linkedin.com/in/guy-skinner-citygate-financial-planning) and Benjamin Mitchell (www.twitter.com/themoneyscot)
Culture Corner

Links referred to in the show:

NL: IFA Forum late burst on 31st December to 428 members. www.tiny.cc/ifaforum
NL: Morgan Stanley prediction for 2023: https://www.thinkadvisor.com/2022/12/19/new-stock-market-low-coming-in-2023-morgan-stanley-strategist/?kw=New%2520Stock%2520Market%2520Low%2520Coming%2520in%25202023:%2520Morgan%2520Stanley%2520Strategist&utm_source=email&utm_medium=enl&utm_campaign=topstories&utm_content=20221225&utm_term=tadv
AS - comments on LI post https://www.linkedin.com/posts/alancapital_heres-where-the-sharpest-brains-on-wall-activity-7146472490666508288-nN2b?utm_source=share&utm_medium=member_ios
CW: The bitcoin story in full Bitcoin above $45,000 for first time since April 2022 (rte.ie)
NL: Top books from 2023
https://www.goodreads.com/book/show/60018618-unreasonable-hospitality
https://www.goodreads.com/book/show/17572998-the-bet
https://www.goodreads.com/book/show/55223171-ask
https://www.goodreads.com/book/show/122765395-elon-musk
CW: Netflix Blue Zones https://www.netflix.com/ie/title/81214929
AH - The Love Expert: The REAL Reason We’re Lonely, Loveless, Depressed - Alain De Botton, School Of Life - https://www.youtube.com/watch?v=oI7BxBNp1uE
AS: Salary Survey BWD Financial Services Earnings & Benefits Cens

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.

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TRAP LIVE IS HAPPENING ON 9th MAY 2024. REGISTER YOUR INTEREST HERE: www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including a Royal London/Lang Cat report on value, the strong market close to 2024, some boring Bitcoin updates, the wickedness of pension complications, and client Xmas pressies - yes or no?
Meat and Potatoes: Crushing Content Creation
Questions posted by our beloved TRAPists www.twitter.com/@paulcleworth https://www.linkedin.com/in/paulcleworth
Culture Corner

Links referred to in the show:

AS: https://pca.st/episode/cc60d64a-b361-455c-8366-ed7be8ce04cf://pca.st/episode/cc60d64a-b361-455c-8366-ed7be8ce04cf
https://adviser.royallondon.com/campaigns/people-powered/deliver-value-for-your-clients/explore-our-meaning-of-value-research/
NL: it’s almost wicked how complicated pensions have become again. The layman has no chance: https://techzone.abrdn.com/anon/public/pensions/finance-bill-tax-free-cash-2024?Opendocument=&utm_campaign=ADV-TEC-Not-Eligible-18122023&utm_medium=email&utm_source=Eloqua&utm_content=CSLAR000000163451&SHA=155d4e8dc50eeae367eafd2801a697a915f33e1ab43bb7a960f033783dd77950
AS GEM ; Hugh van Cuylenburg Video! https://watch.amazon.co.uk/detail?gti=amzn1.dv.gti.374d37ba-da4f-4b30-a297-912cfea97173&territory=GB&ref_=share_ios_movie&r=web
AS - Jeff Bezos on Lex Friedman https://youtu.be/DcWqzZ3I2cY?si=dvG79OxOkStq9c6F
NL: Trillions (Kindle) by Robin Wigglesworth: https://www.amazon.co.uk/s?k=trillions+robin+wigglesworth&crid=3G26J5N00FU6M&sprefix=trillions%2Caps%2C84&ref=nb_sb_ss_ts-doa-p_2_9
Robin was on Bulletproof Entrepreneur S2E3: https://pca.st/ro3od2ni
AH - Historical Newspapers - https://www.historic-newspapers.co.uk/
CW: Accepting Change - a meditation by Sarah Blondin

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.

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TRAP LIVE IS HAPPENING ON 9th MAY 2024. REGISTER YOUR INTEREST HERE: www.therealadviserpodcast.com

In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including the passing of Bill Vasilieff and Charlie Munger, Sunday Times on Value Assessments, Paul Lewis and sitting in cash, JP Morgan Retirement Report, lunch with a legend
Meat and Potatoes: Centres of Influence - Marketing Series 2/3
Questions posted by our beloved TRAPists www.twitter.com/@MApowling and www.twitter.com/themoneyscot https://www.linkedin.com/in/benjamin-mitchell-695897101
Culture Corner

Links referred to in the show:

AS - Sunday Times report on Value Assessments https://www.thetimes.co.uk/article/buried-treasure-why-are-fund-value-reports-so-hard-to-nd-vfzpdgxvl
NL: (H/T to www.twitter.com/@sky_valley87) Paul Lewis - 100% of his pension fund in cash….. People are influenced by his ilk, so know your enemy (said with love): https://www.dailymail.co.uk/money/meandmymoney/article-12790055/Radio-4-broadcaster-Paul-Lewis-pension-CASH-not-shares.html
AS: Opensea (NFT platform) revenue down 99% https://watcher.guru/news/opensea-nfts-revenue-has-fallen-99-since-march-2022
AS - JP Morgan retirement report https://am.jpmorgan.com/content/dam/jpm-am-aem/global/en/insights/retirement-insights/guide-to-retirement-us.pdf
NL - register your interest to secure the limited tickets for TRAP Live (under£200): www.therealadviserpodcast.com
NL: Charlie Munger from the grave via the “Invest Like The Best”: https://pca.st/56lkwov4
AS: 1. Vanishing Act, ITV - https://www.itv.com/watch/vanishing-act/10a2997/10a2997a0001
AS 2 - The Edge of Everything https://www.amazon.co.uk/Edge-Everything-Ronnie-OSullivan/dp/B0CJJZYS36
AH - My First Million podcast - Tiny story and founder - Andrew Wilkinson, boring businesses - well worth a listen for FA - Tiny is pitched as the Berkshire Hathaway of the internet - https://www.youtube.com/watch?v=YQJBapVwLqo AH - Bill Nighy

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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including a recap of HUM, hitting 500 YT subscribers, final call for the Irish Ideas Exchange, Consumer Duty updates, planning for 2024
Meat and Potatoes: Revolutionise Your Referrals - Marketing Series 1/3
Questions posted by our beloved TRAPists Master J
Culture Corner

Links referred to in the show:

AS FCA letter/ media and platforms requesting fee justification https://www.fca.org.uk/publication/correspondence/dear-ceo-letter-fca-expectations-wealth-management-stockbroking-firms.pdf
NL- New research on safe withdrawal rates https://www.morningstar.com/retirement/good-news-safe-withdrawal-rates
AS Filth https://www.tickmill.co.uk/futures?redir=0&__hstc=94732803.66d8516e5806623afdf330775f39559a.1699629257117.1699629257117.1699629257117.1&__hssc=94732803.1.1699629257117&__hsfp=47545668&_gl=11ncrq1u_gaMTY5NTgyNjM1OC4xNjk5NjI5MjU1_ga_1KQF7MN5TZ*MTY5OTYyOTI1NS4xLjAuMTY5OTYyOTI1NS4wLjAuMA..
NL - Colin Turton’s Adviser Asset - decent curation of platform/provider announcements. Sign up here: https://www.adviserasset.co.uk/contact-us/ “sign me up for Communications targeting UK Financial Advisers”
AH - Hotel Chocolat sold to Mars, a brief story around this and ‘selling out’ https://www.theguardian.com/business/2023/nov/16/hotel-chocolat-founders-mars-takeover-angus-thirlwell IFA when they sell, maintaining integrity to clients and themselves. Thoughts around this.
NL - very quick plug for the IFA Forum: www.tiny.cc/ifaforum
AS - another new fintech launch focused on low costs https://www.altfi.com/article/exclusive-tandem-bank-co-founders-launch-prosper-with-gbp3-2m-aiming-to-reshape-wealth-management
AS: https://vimeo.com/44316413
AS: https://www.amazon.co.uk/Just-Ask-generate-referrals-business-ebook/dp/B09LYXJ5V
AS: https://clientdrivenpractice.com/about-stephen-wershing/
AS: "The Game of Numbers" by Nick

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including the rise and fall of Open Money, Vanguard leaving China, Irish Ideas Exchange, are we talking about events in the Middle East with affected clients, new Brett Davidson White Paper, Andy rants about the FCA and crypto, SJP adviser saddled with a business loan, Wealthfront débâcle, HUM London happening on the day of this episode’s release
Meat and Potatoes: The FINAL Exit Strategy: getting all the stuff documented, for that day when you’re not around anymore
Questions posted by our beloved TRAPists https://www.twitter.com/gregorpolson93
Culture Corner

Links referred to in the show:

https://fpadvance.com/whitepaper/how-to-solve-scale-problem/
https://x.com/andrewdbeer1/status/1719337890734289135?s=46&t=sRHfdIQon2TfFJRFg7K23w
AH - https://businesscloud.co.uk/news/what-went-wrong-at-openmoney/
NL: Vanguard turns it back on China: https://www.pionline.com/money-management/vanguard-takes-final-step-exit-china-dismantling-last-team
NL - US pension allowances v UK - massive difference! https://www.wsj.com/personal-finance/retirement/americans-can-stick-more-cash-in-their-401-k-s-next-year-thanks-to-inflation-5fb4d09f
AH - FCA Crypto https://www.fca.org.uk/investsmart/crypto-basics
AH - Google Interview Warmup Tool - https://grow.google/certificates/interview-warmup/
CW: JL Collins talk at Google https://youtu.be/T71ibcZAX3I?si=fB9-jy29kMbKhn72
AS - Sylvester Stallone on Netflix https://www.netflix.com/title/81450717?s=i&trkid=0
NL - Elon and Joe podcast video on Daily Motion: https://www.dailymotion.com/video/x8p91p6
NL - “Think and Grow Rich” by Napoleon Hill on Kindle at £0.99p: kindle 99p: https://www.amazon.co.uk/Think-Grow-Rich-Napoleon-Hill-ebook/dp/B08776ZZY4/ref=sr_1_1?crid=30XHCZM2EQYUA&keywords=kindle+99p+books+think+and+grow+rich&qid=1699191187&sprefix=kindle+99

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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including SJP swallowing Consumer Duty, NextWealth IFA report, M&G closing its property fund, Irish budget investor woes, adviser mastermind top tips
Meat and Potatoes: Taking THAT Fork In The Road
Questions posted by our beloved TRAPists Stuart Mullen
Culture Corner

Links referred to in the show:
AS: https://www.nextwealth.co.uk/research/financial-advice-business-benchmarks-report-2023/
NL: https://www.mandg.com/news-and-media/press-releases/mandg-investments/2023/19-10-2023?utm_campaign=EM_RTL_MA_UKA_OTH_20231016_TBC&utm_medium=email&utm_source=Eloqua
Philip Palaveev https://ensemblepractice.com/about/philip-palaveev/
Startup Loans https://www.startuploans.co.uk/
AH - Same as Ever: Timeless Lessons on Risk, Opportunity and Living a Good Life - https://amzn.to/3tljmqE
CW: Elon Musk by Walter Isaackson https://www.amazon.co.uk/Elon-Musk-Walter-Isaacson/dp/1398527491
CW: The best backpack in the world ever! https://nordace.com/en/product/nordace-siena-smart-backpack/
AS - Good/Bad Billionaires https://www.bbc.co.uk/sounds/brand/p0g7xj36

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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including TRAP Live on 9th May 2024, the TRAP Pack officially open the World Cup in Paris, the annual CISI shindig, Storyteller’s Limerick trip
Meat and Potatoes: the chaps discuss the FIRE movement
Questions posted by our beloved TRAPists Jono Randell-Nash www.linkedin.com/in/jono-randell-nash and www.twitter.com/@juniper_jon
Culture Corner

Links referred to in the show:

NL - Doomslayer - a weekly dose of good news from Human Progress: https://humanprogress.org/projects/news-archives/
NL - Rocketbook: https://getrocketbook.co.uk/products/rocketbook-core?variant=39671409934408
AS - The Missing Billionaires by Victor Haghani And his Ted Talk
Where are all the Billionaires? & Why Should We Care?: Victor Haghani at TEDxSPS
The Missing Billionaires: A Guide to Better Financial Decisions
AH - Michael Lewis - Going Infinite: The Rise and Fall of a New Tycoon - https://www.amazon.co.uk/s?k=michael+lewis+going+infinite&crid=CLHM5FZICS7Z&sprefix=michael+lewis+%2Caps%2C135&ref=nb_sb_ss_ts-doa-p_1_14
CW: The Ride of a Lifetime by Bob Iger CEO of Disney https://www.amazon.co.uk/Ride-Lifetime-Lessons-Learned-Company/dp/0399592091
NL - Monzo Investments: invest as little as £1 to get started. Three Blackrock funds. Almost zero friction: https://monzo.com/investments/

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

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:

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The Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including Rugby World Cup updates, Messrs Smith & Hart recap HUM Cape Town, AIM investing woes, Progressive Planners Conference, Future You (again), Nucleus buying Curtis Bank
Meat and Potatoes: What Norway Can Teach HNWs (and their advisers)
Questions posted by our beloved TRAPists www.twitter.com/@jlaws4 https://twitter.com/principlespf
Culture Corner

Links referred to in the show:

Norway Sovereign Wealth fund: https://www.nbim.no/
CW: Solar 21: The tale of 3000 clients, 300 brokers and €26 million in “fees and broker commission” https://thecurrency.news/articles/117655/risky-business-will-solar-21-investors-accept-a-hair-shirt-to-avoid-catastrophe/
AH US Credit Card Debt breaks 1trillion https://www.carsongroup.com/insights/blog/why-1-trillion-in-credit-card-debt-isnt-a-bad-thing/
NL Bank of England launches hunt for ‘unconscious bias’ in finance industry https://www.telegraph.co.uk/business/2023/09/25/bank-england-launch-hunt-unconscious-bias-finance-industry/#:~:text=The%20Bank%20of%20England%20has,a%20diversity%20and%20inclusion%20push. Another reason why the UK stock market is declining, as we discussed in EP17 https://www.buzzsprout.com/2056762/12602273
AH - Nick Murray Books - https://www.simplewealthbooks.co.uk/
AH - Downfall of the Crypto King - Extended Version - https://www.bbc.co.uk/programmes/p0gffn3y
CW: Another (!!) High-Performance Podcast: David Smith: https://podcasts.apple.com/gb/podcast/facing-death-taught-me-how-to-truly-live-with-david/id1500444735?i=1000628192924

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.

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including being present and putting our your work, DB transfer factory fines, the complete lack of understanding some peeps have about what it is we do (REAL financial advice)
Meat and Potatoes: We Need To Talk About Fees
Questions posted by our beloved TRAPists Jez Heal and Philip Dragoumis
Culture Corner

Links referred to in the show:

CW: The Man in the Arena https://youtu.be/A311CnTjfos?si=IQ9JrKPngQkpjp9T
AS - apparent lack of understanding of lifetime financial planning https://x.com/paulclaireaux/status/1690241891009208320?s=46&t=sRHfdIQon2TfFJRFg7K23w
AS - who says crime doesn’t pay! https://citywire.com/new-model-adviser/news/fca-fines-ifas-1-3m-over-seriously-flawed-db-transfer-advice/a2424881
NL: Nice TRAP write-up on the Nucleus wrap website: https://illuminate.nucleusfinancial.com/blog/secrets-top-podcast-stubborn-buggers-decent-egos-loyal-audience?utm_content=262626143&utm_medium=social&utm_source=twitter&hss_channel=tw-107047128
AS: TRAPist Tom Kenny referencing AbeBooks to access Nick Murray books: https://www.abebooks.com/
AH - following on from AS point - https://www.phynancial.co.uk/
AH - Painkiller - White collar drug dealers - Netflix https://www.netflix.com/gb/title/81095069 - Dopesick
AS BBC Sounds- The Wolf of Crypto - https://www.bbc.co.uk/sounds/play/m001p6v6
NL A Long Time In Finance Podcast: The Nine Lives of Credit Suisse: Part One https://pca.st/yfirtyk0
CW: Ben Carlson - A Wealth of Common Sense https://awealthofcommonsense.com/2023/09/the-60-40-portfolio-is-alive-well/

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

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:

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including FCA fees coming down (yay), Scottish Widows loses 180 funds (eek), DB scheme admins asking for money back (double eek), Zoom asking employees to return to the office (!), TRAP hitting 65k downloads, employing pros and leaving them to it, Buffett’s birthday
Meat and Potatoes: Succinct Seminar Success
Questions posted by our beloved TRAPists @jeu1985 @Financial118
Culture Corner

Links referred to in the show:

NL: Scottish Widows to cut 180 (!) Life and Pension funds: https://citywire.com/new-model-adviser/news/scottish-widows-cuts-180-pension-funds/a2422951?re=111659&ea=1700645&utm_source=BulkEmail_NMA_Weekly&utm_medium=BulkEmail_NMA_Weekly&utm_campaign=BulkEmail_NMA_Weekly
NL: Capita and others asking ex-scheme members for some of their transfer values back! https://citywire.com/new-model-adviser/news/revealed-capita-demands-1m-db-transfer-money-back-from-members/a2423312?re=111846&refea=1700645
CW: Sports Stars start VC Fund

England captain Stokes seeks edge with launch of venture fund | Business News | Sky News

NL: Kitces EP347 on selling to United Capital and then being sold on to Goldman Sachs: https://pca.st/8ctia7xr and EP300 from September 2022 where Joe Duran talks about selling to Goldman: https://pca.st/usp9yjfj which we in turn discussed in EP3 of TRAP: https://pca.st/fmln11oz
NL: Debbie Condon’s Intuitive Support Provider LOA Guide: https://www.intuitivesupportservices.com/quick-links
NL: Phil Bray’s written two useful Webinar long forms: https://yardstick-agency.co.uk/4311-1KU3Y-2453515AC6C084426ERRKC81113A4A96C728FD/cr.aspx) https://theyardstickagency.co.uk/blog/10-costly-webinar-mistakes-you-need-to-avoid
CW: 10x is Easier than 2x https://www.amazon.co.uk/10x-Easier-Than-World-Class-Entrepreneurs/dp/140196995X

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

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:

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10x Is Easier Than 2x: How World-Class Entrepreneurs Achieve More by Doing Less

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In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including two Morningstar reports, the Buy-to-Let meltdown, gilt pension “protector” funds, sideways markets, and portfolio lending
Meat and Potatoes: Oh, The Mistakes We’ve Made!
Questions posted by our beloved TRAPists @wheato1976 and Ian G
Culture Corner

Links referred to in the show:

Morningstar Report -Why Do Investors Hire Advisers? https://assets.contentstack.io/v3/assets/blt4eb669caa7dc65b2/blt166858b2f17f32db/649c535e1ea829135bf57d83/Why_do_investors_hire_their_advisor_2023.pdf
Lombard lending https://www.bondsmith.com
CW: Dr Paddy Barrett Podcast https://podcasts.apple.com/ie/podcast/how-to-spend-your-life/id1495060929?i=1000622820982
AH - Modern Wisdom - Sam Harris - Gurwinder Bhogal. https://www.youtube.com/watch?v=carZ3_02-Xg
AH - Octopus Energy https://octopus.energy/
AS Dave Zoeller Streamline My Practice Financial Advisor Weekly Newsletter https://www.streamlinemypractice.com/newsletter
MorningStar Mind the Gap: Bad Timing Cost Investors One Fifth of Their Funds’ Returns | Morningstar https://www.morningstar.com/funds/bad-timing-cost-investors-one-fifth-their-funds-returns

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

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.

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F-BOMB ALERT AT 26m22s!!!!!!!!!!!!!!!!!!

In this latest pile of TRAP, the Trap Pack discuss

Topical issues, including this month’s Chancellor and his bellend plans for pension funds and unlisted equities, Consumer Duty is born, Limerick Hurlers, update on TRAP Live 2024, active fund management bullshit-speak, the complete demise of the formerly ubiquitous GARS fund
Meat and Potatoes: How To Survive and Thrive The Summer
Questions posted by our beloved TRAPists @stevesmithlive & @kieranfowley
Culture Corner

Links referred to in the show:

Rathbone’s David Coombs active fund management “speak” https://citywire.com/new-model-adviser/news/david-coombs-ifas-are-fixated-on-ai-returns-but-there-s-too-much-hype/a2422405?re=111251&refea=1287904
Money Men by Dan McCrum: https://www.amazon.co.uk/House-Wirecard-Dan-McCrum/dp/178763504X/ref=asc_df_178763504X/?tag=googshopuk-21&linkCode=df0&hvadid=534858257189&hvpos=&hvnetw=g&hvrand=12303020444191600885&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=1007880&hvtargid=pla-1451323060514&psc=1&th=1&psc=1
All Ireland Hurling Final highlights https://youtu.be/BqfQzWChuuc
Lower Mill Estate Cotswolds - https://www.habitatescapes.com/
Chris Harvey, party crooner: https://encoremusicians.com/Chris-Harvey
Human Risk Podcast https://www.humanriskpodcast.com/

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

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DISCLAIMER: "STORYTELLER" SMITH WAS IN A TURKISH HOTEL ROOM WITH A FAULTY FIRE ALARM. THIS BEEPS THROUGHOUT. ALAN APOLOGISES PROFUSELY. HE KNOWS HE'S LET THE TRAP PACK DOWN, THE DEAR TRAPPISTS DOWN, HIS FAMILY DOWN, AND - WORSE OF ALL - HE'S LET HIMSELF DOWN.

In this latest pile of TRAP, the Trap Pack discuss

A possible TRAP live event in 2024. Please let us know if you would be interested in going by leaving your details in the link below
Topical issues, including Google Reviews, CPS study into £1.8TN in cash in the UK, how 24/7 hustle can be a load of BS, fee-free Junior ISA, IHT by UK constituency, the recent rise in annuity rates
Meat and Potatoes: Fixed Income and Mumbo Jumbo Questionnaires
Questions posted by our beloved TRAPist - Adam H and Michael Walsh
Culture Corner

Links referred to in the show:

TRAP 2024 Live Show. Please express interest here: https://docs.google.com/forms/d/e/1FAIpQLSeQOjuuI5hOlCbQB9AKP-TkuWHL-HPX8DjYhY4cman0uFvseQ/viewform?usp=sf_link
Soundcore Liberty 4 NC headphones: soundcore by Anker Liberty 4 NC Wireless Noise Cancelling Earbuds, 98.5% Noise Reduction, Adaptive Noise Cancelling to Ears and Environment, Hi-Res Sound, 50H Battery, Wireless Charging, Bluetooth 5.3: Amazon.co.uk
https://podcasts.apple.com/gb/podcast/invest-like-the-best-with-patrick-oshaughnessy/id1154105909?i=1000620745533
Centre For Policy Studies says £1.8 trillion in cash savings in UK: https://cps.org.uk/research/retail-therapy/
Everyday hustle https://twitter.com/CarlWidger/status/1678884881772822531
Melissa Caddick Story https://podcasts.apple.com/ie/podcast/liar-liar-melissa-caddick-and-the-missing-millions/id1616444281
High Performance App: https://apps.apple.com/us/app/the-high-performance-app/id1666796864
Fidelity JISA fees: https://www.fidelity.co.uk/junior-isa/fees-and-charges/#tab-link
You Are Not So Smart by David McRaney: https:/

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.

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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 “Future You 2023” event, the DFA Matrix book, a completely wrong personality test, Schroders Adviser Pulse 2023 report, the awful RegData trauma
Meat and Potatoes: From Sin Bin to Sending Off: Handling Problematic Clients
Questions posted by our beloved TRAPist - @Darren_Bilkey @Bill_n_e_wann @LlewelynBowen @kieranfowley
Culture Corner

Links referred to in the show:

Future You 2023 Future You is Returning in September 2023
DFA Matrix Book https://static1.squarespace.com/static/5a29de13e5dd5b5fb7021e6c/t/645e5f124644cd2b57964f39/1683906326686/matrix-book-2023_usd-us.pdf
Understand Myself: https://www.understandmyself.com/
More Perfect podcast - More Perfect on Apple Podcasts
McEnroe Documentary McEnroe (2022) Official Trailer | Documentary | SHOWTIME
Watch AIR | Prime Video

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:

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View Details

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 Bucket Lists, NextGen Conference wrap, the “M&S Incident”, platform cash skimming, 85 year study into happiness and retirement, AI event discounts for TRAPists,
Meat and Potatoes: Dispensing The Vitamin C - The Ongoing Client Comms Strategy
Questions posted by our beloved TRAPist - Adam Liddelow
Culture Corner

Links referred to in the show:

NL - platform cash skim scam: https://citywire.com/new-model-adviser/news/funds-sell-transact-as-investors-eye-aj-bell-s-and-hl-s-cash-margin/a2418388?re=109900&ea=1700645&utm_source=BulkEmail_NMA_Weekly&utm_medium=BulkEmail_NMA_Weekly&utm_campaign=BulkEmail_NMA_Weekly
NL: Harvard’s 85 year study into happiness and what it means for retirees: An 85-year Harvard study on happiness found the No. 1 retirement challenge that 'no one talks about'
NL: The Essays of Warren Buffett: The Essays of Warren Buffett: Lessons for Investors and Managers, 6th Edition: Amazon.co.uk
NL: The Tao of Charlie Munger: https://www.audible.co.uk/pd/Tao-of-Charlie-Munger-Audiobook/B01NCKVLOD?action_code=ASSGB149080119000H&share_location=pdp
CW: Carl Widger interview with the Currency https://thecurrency.news/articles/119072/financial-planner-carl-widger-calls-out-the-industry-many-arent-trustworthy/
CW: Bucket List Trip My Bucket List Trip to America – Walking the Talk
CW: Metis Ireland Careers Careers - Metis Ireland | Your Plan, For Life
AH NExtGen Conference Financial Planning Conference | NextGen Planners
AS AI For Business - SME and Financial Services
AS Rockstar Series: Founder of Leon Henry Dimbleby in conversation with Alan Smith - Welcome to Home Grown

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.

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View Details

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 a DB Transfer Value tracker site; eye-watering Quilter charges; Alan having a live Bulletproof Entrepreneur podcast event
Meat and Potatoes: Newbie Deep Dive with guest host Emmelia Powell
Questions posted by our beloved Trappists - this episode, there are none! Too little time. Next episode, things will resume. Probably. If we haven’t killed each other.
Culture Corner

Links referred to in the show:

Storyteller's live "Bulletproof Entrepreneur" 26th June event thingy: https://homegrownclub.co.uk/events/rockstar-series-founder-of-leon-henry-dimbleby-in-conversation-with-alan-smith/
Ask: How to Relate to Anyone: by Dan Solin: https://amzn.eu/d/9mzF9dP
The XPS Transfer Value Tracker, courtesy of Matthew Sinclar and John Cunliffe: https://www.xpsgroup.com/what-we-do/technology-and-trackers/xps-transfer-watch/xps-transfer-value-tracker/
Gurwinder Bhogal Examines Human Nature - https://podcasts.apple.com/au/podcast/gurwinder-bhogal-examines-human-nature/id1190896090?i=1000614819713
Prof G and Ryan Holliday https://podcasts.apple.com/gb/podcast/lessons-meditations-from-the-stoics-with-ryan-holiday/id1498802610?i=1000615259928

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:

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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 a review of the Adviser 3.0 conference and The Stig’s car crash of financial mistakes
Meat and Potatoes: How To Run The Initial Strategy/Blueprint Meeting
Questions posted by our beloved Trappists @burtong1 and @TobiasEvans1
Culture Corner

Links referred to in the show:

Rational Reminder EP252 at 1h14m in. Burton Malkiel on why it’ll be a long time (if never) before indexing takes over: https://pca.st/1nf20r18#t=1h14m33s
Timeline Charts 2023: https://go.timelineapp.co/charts23
The Context with Sinead O’Sullivan https://thecurrency.news/articles/117393/the-context-with-sinead-osullivan-part-one-disrupting-time-by-aaron-stark/
Metis ireland Recruitment Careers - Metis Ireland | Your Plan, For Life
Philip Donnelly www.twitter.com/@PhilDouglasDon. Doing the 100 Mile Ride London cycle thing on 28th May. Raising money for GOSH: https://www.justgiving.com/fundraising/philip-donn?utm_source=copyLink&utm_medium=fundraising&utm_content=philip-donn&utm_campaign=pfp-share&utm_term=cc51be8c81054d9fb9f3b4ff4276ce87
CHC Directors jailed https://www.rte.ie/news/2023/0512/1383276-custom-house-capital/
Andy’s new mic - Rode - https://amzn.to/425IJIT

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.

Rode NT-USB Versatile Studio-Quality USB Cardioid Condenser Microphone,Black

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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 Carl attending The Real Deal; TRAP being shortlisted for a podcast award; getting encouraged by podcast-meister Steven Bartlett; Berkshire Hathaway 2023 AGM; HUM London and South Africa on the horizon; Lisbon as a decent city break
Meat and Potatoes: Getting To Know You
Questions posted by our beloved Trappists Tom R and @burtong1
Culture Corner

Links referred to in the show:

Interested in coming on the show as a Guest Host? Apply here: https://docs.google.com/forms/d/e/1FAIpQLScspw4v7Jq8Amuas2faXX3oIRxoZH-WdkE-r4zA_h7RoWXlLw/viewform?usp=sf_link
CEK Worldwide Total Client Profile: http://www.cegworldwide.com/downloads/bt-book/eb_ceg_sample_tcp.pdf
Just Ask! Graham Eisner Just Ask! 7 simple steps to unlock the power of clients, generate referrals and double your business Paperback
James Dyson - Invention: A Life https://amzn.eu/d/dpXxyiP
The Bet: Paul Ehrlich, Julian Simon, and Our Gamble Over Earth’s Future https://amzn.eu/d/6jKIogN
Merryn Somerset Webb’s Tweet on why the UK stock market continues to shrink: https://twitter.com/HatTipNick/status/1654228720771641344
Decent virtual financial planner website. Kindness Financial Planning, Elliott Appel: What Is It Like Working With a Virtual Financial Planner?
On Healing with Brendan Ring https://podcasts.apple.com/ie/podcast/on-healing/id1682268935?i=1000611458696
Michael Lewis https://www.pushkin.fm/podcasts/against-the-rules - https://podcasts.apple.com/gb/podcast/against-the-rules-with-michael-lewis/id1455379351

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:

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The Bet: Paul Ehrlich, Julian Simon, and Our Gamble over Earth s Future

Just Ask!: 7 simple steps to unlock the power of clients, generate referrals and double your business

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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 Ten Minute Loom Tech Masterclass:

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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$100M Offers: How To Make Offers So Good People Feel Stupid Saying No

Built on a Lie: The Rise and Fall of Neil Woodford and the Fate of Middle England’s Money

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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
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'Enjoy' the Twitter chat at @AdviserPodcast.

Unreasonable Hospitality: The Remarkable Power of Giving People More Than They Expect

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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-and-board/

======

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.

View Details

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.

View Details

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.

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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
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'Enjoy' the Twitter chat at @AdviserPodcast.

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*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.

View Details

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.

Drive: The Surprising Truth About What Motivates Us

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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.

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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.

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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.

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In this latest pile of TRAP, the chaps discuss

Which coaches and external influences have had the most impact on our development as financial planners/people
Business planning for the next 12 months: who does this and why?
The Trap Pack answers questions from our beloved Trappists @gp_mantini and Ben F
Culture Corner

Links referred to in the show:

Artificial Intelligence: ChatGPT: Optimizing Language Models for Dialogue
The Godfather, Mario Puzo: https://www.amazon.co.uk/Godfather-Mario-Puzo-ebook/dp/B009GJ870Q
UK Tax App: Android: https://play.google.com/store/apps/details?id=com.geekycoders.uktaxcalculators&hl=en_GB≷=US
Apple: https://.apps.apple.com/gb/app/uk-tax-calculators-2022-2023/id460977743

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.

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In this latest pile of TRAP, the chaps discuss

Examples of real financial planning and how it transforms people’s lives
FTX and Scam Bankrupt-Fraud
The TRAP team answers questions from our beloved Trappists @Aron Gunningham and @JoshuaBromilow
Culture Corner

Links referred to in the show:

Spoof Larry David February 2022 advert for Sam Bankman-Fried’s FTX fraud, with over 11M views: https://www.youtube.com/watch?v=noekVG8XLQI
Citymapper app: https://citymapper.com/?lang=en
High-Performance Podcast: https://podcasts.apple.com/gb/podcast/the-high-performance-podcast/id1500444735
The Geometry of Wealth: How to Shape a Life of Money and Meaning https://www.amazon.co.uk/dp/B07N8J4V8G?ref_=cm_sw_r_apin_dp_RT8RXAAABAQZWGN3PQM7

Take part in the conversation! We want YOU to suggest topics and questions you’d like the TRAP team to tackle. The best way to do this is to ask them here and/or join the chat at @AdviserPodcast. Make sure to also Subscribe and Like our YouTube Channel. And don’t forget to leave a 6/5 star review on iTunes.

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In this latest pile of TRAP, the chaps discuss

The pros and cons of the solo adviser v intentionally growing a practice
The TRAP team answers questions from our beloved Trappists @SeanBanksFP and @Andy_Reynolds
Culture Corner

And be sure to listen to the end, when nothing much happens.

Links referred to in the show:

The E-Myth Revisited: Why Most Small Businesses Don't Work and What to Do About It https://amzn.eu/d/fCdI6Av
Charles Schwab Business Breakdown podcast: https://podcasts.apple.com/gb/podcast/charles-schwab-the-8-trillion-dollar-gorilla/id1559120677?i=1000570572972
Episode 102 of The All-In Podcast: https://youtu.be/A-bIpJdaCnM
Swindled Podcast - https://swindledpodcast.com/

Take part in the conversation! We want YOU to suggest topics and questions you’d like the TRAP team to tackle. The best way to do this is to ask them here and/or join the chat at @AdviserPodcast. Make sure to also Subscribe and Like our YouTube Channel. And don’t forget to leave a 6/5 star review on iTunes.

The E-Myth Revisited: Why Most Small Businesses Don't Work and What to Do About It

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In this latest pile of TRAP, the chaps discuss

The passing of Ian Taylor, truly a visionary
South African shenanigans with Andy and Nick
Carl talks about the common phenomenon of Imposter Syndrome
Andy talks about Beauty Parades
The TRAP team answers questions from our beloved Trappists Sam B and Will S
Culture Corner

And be sure to listen to the end, when nothing much happens.

Links referred to in the show:

Jordan Peterson’s “Essay” software, a browser-based word processor package to help you write better: https://www.youtube.com/watch?v=XHIhtWPpDVI
The Human Side of Money: Episode 28 https://podcasts.apple.com/us/podcast/the-human-side-of-digital-marketing-with-samantha-russell/id1509519096?i=1000529593876
JP Morgan Guide to the Markets: Guide to the Markets | J.P. Morgan Asset Management
Readwise

Take part in the conversation! We want YOU to suggest topics and questions you’d like the TRAP team to tackle. The best way to do this is to ask them here and/or join the chat at @AdviserPodcast. Make sure to also Subscribe and Like our YouTube Channel. And don’t forget to leave a 6/5 star review on iTunes.

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In this latest pile of TRAP, the chaps discuss

Andy leads off with a recap of the annual CISI shindig in Liverpool and a discussion on what are the aspects of the ideal client profile
Nick recounts his lessons from the latest Nick Murray Behavioural Investment Conference, “This Is A Football”
Alan talks (forever) on Mastermind Groups and the Ideas Exchange, a Chatham House group he has belonged to for the best part of 20 years.
The TRAP team answers questions from our beloved Trappists @WomenFinanceNI @Juniper_Jon
Culture Corner

And be sure to listen to the end, when nothing much happens.

The links referred to in the show are here:

Robo Advisers struggling to retain assets: https://www.investmentnews.com/robo-advisers-struggling-retain-investors-in-2022-research-finds-227476
Vanguard VFAM paper: https://corporate.vanguard.com/content/dam/corp/research/pdf/the_value_of_personalized_advice_final.pdf
Brett Davidson White Paper: https://fpadvance.com/whitepaper/stand-out/
Kitces Financial Planning Value Summit https://www.kitces.com/kitces-financial-planning-value-summit-2022/?utm_source=ActiveCampaign&utm_medium=email&utm_content=%F0%9F%90%A6+Early+Bird+Special+Offer+For+The+Next+Kitces+Summit&utm_campaign=2022+Value+Summit+Email+%231+-+Early+Bird&vgo_ee=otYzsrRSLe7UaoC1WSrcVBgJV8GuZN5Xeqtr%2F5Ba25A%3D
Sarah Blondin on Insight Timer https://insighttimer.com/sarahblondin

Take part in the conversation! We want YOU to suggest topics and questions you’d like the TRAP team to tackle. The best way to do this is to ask them here and/or join the chat at @AdviserPodcast. Make sure to also Subscribe and Like our YouTube Channel. And don’t forget to leave a 6/5 star review on iTunes.

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In this latest pile of TRAP, the chaps discuss

The bond market tumult and how we’re dealing with our client's behaviours during this time.
The TRAP team answers questions from our beloved Twitter Trappists @JamesMaston88 and @JoshuaBromilow
Culture Corner

And be sure to listen to the end, when nothing much happens.

The links referred to in the show are here:

Financial Advisor (sic) Success podcast with Micheal Kitces Ep300: The Evolution Of The Advice Business At Scale And The True Power Of Brand With Joe Duran
Samson mic on eBay
https://www.netflix.com/gb/title/81404807?s=i&trkid=13747225&vlang=en&clip=81606692

Take part in the conversation! We want YOU to suggest topics and questions you’d like the TRAP team to tackle. The best way to do this is to ask them here and/or join the chat at @AdviserPodcast. Make sure to also Subscribe and Like our YouTube Channel. And don’t forget to leave a 6/5 star review on iTunes.

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In this latest pile of TRAP, the chaps discuss:

The UK’s Not-A-Budget
Commission shenanigans in Ireland
The Onboarding Process/Welcome Meetings
Model Portfolio Services (MPS) - What is their point and is Blackrock entering this area a big thing or not?
Culture Corner

And be sure to listen to the end, when nothing much happens.

The links referred to in the show are here:

A 5-Step Prospecting Process To Sell Your Advisor Value With Greater Confidence And Trust
Watch Get Smart With Money | Netflix Official Site
The Tim Ferriss Show: #618: Roelof Botha — Investing with the Best, Ulysses Pacts, The Magic of Founder-Problem Fit, How to Use Pre-Mortems and Pre-Parades, Learning from Crucible Moments, and Daring to Dream on Apple Podcasts
https://www.cegworldwide.com/
EP529 of Modern Wisdom podcast

Take part in the conversation! We want YOU to suggest topics and questions you’d like the TRAP team to tackle. The best way to do this is to ask them here and/or join the chat at @AdviserPodcast. Make sure to also Subscribe and Like our YouTube Channel. And don’t forget to leave a 6/5 star review on iTunes.

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In this latest pile of TRAP, the chaps discuss:

Carl's Big Event;
The importance of Showing Your Work
How difficult it can be to remain Present and In The Moment

And be sure to listen to the end, when nothing much happens.

Take part in the conversation! We want YOU to suggest topics and questions you’d like the TRAP team to tackle. The best way to do this is to ask them here and/or join the chat at @AdviserPodcast. Make sure to also Subscribe and Like our YouTube Channel. And don’t forget to leave a 6/5 star review on iTunes.

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Take part in the conversation! We want YOU to suggest topics and questions you’d like the TRAP team to tackle. The best way to do this is to ask them here and/or join the chat at @AdviserPodcast. Make sure to also Subscribe and Like our YouTube Channel. And don’t forget to leave a 6/5 star review on iTunes.

TRAP: The Real Adviser Podcast: Recent Episodes

Alan Smith; Andy Hart; Carl Widger; Nick Lincoln