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=1*1ncrq1u*_ga*MTY5NTgyNjM1OC4xNjk5NjI5MjU1*_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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