In this latest pile of TRAP, the Trap Pack discussTopical 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 BankMeat 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 CornerLinks 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/2056762/12602273AH - 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=1000628192924Take part in the conversation! We want YOU to suggest topics and questions you’d like the Trap Pack to answer. The best way to do this is to ask them here. Help us to help you! The more followers we have, the more we can do stuff going forward. So please: Subscribe and Like our YouTube Channel Leave a 6/5 star review on iTunes Share TRAP with your peers and colleagues 'Enjoy' the Twitter chat at @AdviserPodcast.

In this latest pile of TRAP, the Trap Pack discussTopical 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 FeesQuestions posted by our beloved TRAPists Jez Heal and Philip DragoumisCulture CornerLinks referred to in the show:CW: The Man in the Arena https://youtu.be/A311CnTjfos?si=IQ9JrKPngQkpjp9TAS - apparent lack of understanding of lifetime financial planning https://x.com/paulclaireaux/status/1690241891009208320?s=46&t=sRHfdIQon2TfFJRFg7K23wAS - who says crime doesn’t pay! https://citywire.com/new-model-adviser/news/fca-fines-ifas-1-3m-over-seriously-flawed-db-transfer-advice/a2424881NL: 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-107047128AS: 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/yfirtyk0CW: 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: Subscribe and Like our YouTube Channel Leave a 6/5 star review on iTunes Share TRAP with your peers and colleagues 'Enjoy' the Twitter chat at @AdviserPodcast.

In this latest pile of TRAP, the Trap Pack discussTopical 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 birthdayMeat and Potatoes: Succinct Seminar SuccessQuestions posted by our beloved TRAPists @jeu1985 @Financial118Culture CornerLinks 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_WeeklyNL: 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=1700645CW: Sports Stars start VC Fund England captain Stokes seeks edge with launch of venture fund | Business News | Sky NewsNL: 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/fmln11ozNL: Debbie Condon’s Intuitive Support Provider LOA Guide: https://www.intuitivesupportservices.com/quick-linksNL: 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-avoidCW: 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: Subscribe and Like our YouTube Channel Leave a 6/5 star review on iTunes Share TRAP with your peers and colleagues 'Enjoy' the Twitter chat at @AdviserPodcast.

In this latest pile of TRAP, the Trap Pack discussTopical issues, including two Morningstar reports, the Buy-to-Let meltdown, gilt pension “protector” funds, sideways markets, and portfolio lendingMeat and Potatoes: Oh, The Mistakes We’ve Made!Questions posted by our beloved TRAPists @wheato1976 and Ian GCulture CornerLinks 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.pdfLombard lending https://www.bondsmith.comCW: Dr Paddy Barrett Podcast  https://podcasts.apple.com/ie/podcast/how-to-spend-your-life/id1495060929?i=1000622820982AH - 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/newsletterMorningStar 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. 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.

F-BOMB ALERT AT 26m22s!!!!!!!!!!!!!!!!!!In this latest pile of TRAP, the Trap Pack discussTopical 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 fundMeat and Potatoes: How To Survive and Thrive The SummerQuestions posted by our beloved TRAPists @stevesmithlive & @kieranfowleyCulture CornerLinks 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=1287904Money 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=1All Ireland Hurling Final highlights https://youtu.be/BqfQzWChuucLower Mill Estate Cotswolds - https://www.habitatescapes.com/Chris Harvey, party crooner: https://encoremusicians.com/Chris-HarveyHuman Risk Podcast https://www.humanriskpodcast.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.