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 2024Meat and Potatoes: Revolutionise Your Referrals - Marketing Series 1/3Questions posted by our beloved TRAPists Master JCulture CornerLinks 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.pdfNL- 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/ifaforumAS - 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-managementAS: https://vimeo.com/44316413AS: https://www.amazon.co.uk/Just-Ask-generate-referrals-business-ebook/dp/B09LYXJ5VAS: https://clientdrivenpractice.com/about-stephen-wershing/AS: "The Game of Numbers" by NickTake 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.