{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":9.75,"endTime":14.79,"body":"Welcome to The Real"},{"speaker":"Unknown","startTime":9.75,"endTime":14.79,"body":"advisor podcast, t r a p twerp."},{"speaker":"Unknown","startTime":15.15,"endTime":18.54,"body":"Please follow us and join in the"},{"speaker":"Unknown","startTime":15.15,"endTime":18.54,"body":"conversation on Twitter at"},{"speaker":"Unknown","startTime":18.54,"endTime":22.11,"body":"Pfizer podcast where you can"},{"speaker":"Unknown","startTime":18.54,"endTime":22.11,"body":"suggest ideas and themes you'd"},{"speaker":"Unknown","startTime":22.11,"endTime":25.59,"body":"like the track team to discuss."},{"speaker":"Unknown","startTime":22.11,"endTime":25.59,"body":"Also remember to like and"},{"speaker":"Unknown","startTime":25.59,"endTime":29.22,"body":"subscribe to our YouTube channel"},{"speaker":"Unknown","startTime":25.59,"endTime":29.22,"body":"and leave a six out of five star"},{"speaker":"Unknown","startTime":29.22,"endTime":33.21,"body":"review on iTunes. Doing all this"},{"speaker":"Unknown","startTime":29.22,"endTime":33.21,"body":"really really helps us which"},{"speaker":"Unknown","startTime":33.21,"endTime":36.66,"body":"means we can do more to help"},{"speaker":"Unknown","startTime":33.21,"endTime":36.66,"body":"you. Now let's head over to the"},{"speaker":"Unknown","startTime":36.66,"endTime":38.97,"body":"studio for the latest pilot trap"},{"speaker":"Nick Lincoln","startTime":44.31,"endTime":46.71,"body":"yes indeed,"},{"speaker":"Nick Lincoln","startTime":44.31,"endTime":46.71,"body":"welcome back dear TRAPPIST to"},{"speaker":"Nick Lincoln","startTime":46.71,"endTime":52.68,"body":"Episode 13 of the real advisor"},{"speaker":"Nick Lincoln","startTime":46.71,"endTime":52.68,"body":"podcast T R A P trap. My name is"},{"speaker":"Nick Lincoln","startTime":52.68,"endTime":57.21,"body":"now lick Lincoln going forward"},{"speaker":"Nick Lincoln","startTime":52.68,"endTime":57.21,"body":"thanks to ape and his mangling"},{"speaker":"Nick Lincoln","startTime":57.21,"endTime":60.69,"body":"of English language. Joining me"},{"speaker":"Nick Lincoln","startTime":57.21,"endTime":60.69,"body":"as ever in the studio doing what"},{"speaker":"Nick Lincoln","startTime":60.69,"endTime":62.79,"body":"the three of the Horsemen of the"},{"speaker":"Nick Lincoln","startTime":60.69,"endTime":62.79,"body":"Apocalypse the so called trap"},{"speaker":"Nick Lincoln","startTime":62.79,"endTime":66.39,"body":"pack call the watch Meister"},{"speaker":"Nick Lincoln","startTime":62.79,"endTime":66.39,"body":"widger along on the storyteller"},{"speaker":"Nick Lincoln","startTime":66.39,"endTime":71.52,"body":"Smith and Andy Hart gentlemen We"},{"speaker":"Nick Lincoln","startTime":66.39,"endTime":71.52,"body":"have a show packed full of"},{"speaker":"Nick Lincoln","startTime":71.52,"endTime":75.75,"body":"absolutely nothing so let's"},{"speaker":"Nick Lincoln","startTime":71.52,"endTime":75.75,"body":"start packing it straightaway"},{"speaker":"Nick Lincoln","startTime":75.78,"endTime":77.97,"body":"Andy mangle some reviews for us"},{"speaker":"Nick Lincoln","startTime":75.78,"endTime":77.97,"body":"my friend."},{"speaker":"Andy Hart","startTime":78.96,"endTime":81.93,"body":"Sure over to me for"},{"speaker":"Andy Hart","startTime":78.96,"endTime":81.93,"body":"three juicy reviews. The first"},{"speaker":"Andy Hart","startTime":81.93,"endTime":87.51,"body":"one is from s Mac in Ireland."},{"speaker":"Andy Hart","startTime":81.93,"endTime":87.51,"body":"Great Listen, five stars great"},{"speaker":"Andy Hart","startTime":87.51,"endTime":89.67,"body":"insights and easy to listen to"},{"speaker":"Andy Hart","startTime":87.51,"endTime":89.67,"body":"really enjoyed it. Looking"},{"speaker":"Andy Hart","startTime":89.67,"endTime":93.21,"body":"forward to the next episode."},{"speaker":"Andy Hart","startTime":89.67,"endTime":93.21,"body":"Next up is patchy 1006 Out of"},{"speaker":"Andy Hart","startTime":93.21,"endTime":96.33,"body":"five star reviews five star"},{"speaker":"Andy Hart","startTime":93.21,"endTime":96.33,"body":"reviews very insightful. And the"},{"speaker":"Andy Hart","startTime":96.33,"endTime":102.24,"body":"slightly longer review is from"},{"speaker":"Andy Hart","startTime":96.33,"endTime":102.24,"body":"Scooby Dee 10 five stars, a trap"},{"speaker":"Andy Hart","startTime":102.24,"endTime":105.15,"body":"worth falling into I expected"},{"speaker":"Andy Hart","startTime":102.24,"endTime":105.15,"body":"nothing less from these advisors"},{"speaker":"Andy Hart","startTime":105.15,"endTime":108.15,"body":"with an E. But loving the"},{"speaker":"Andy Hart","startTime":105.15,"endTime":108.15,"body":"relaxed format and chatting"},{"speaker":"Andy Hart","startTime":108.15,"endTime":111.24,"body":"through shared thoughts and"},{"speaker":"Andy Hart","startTime":108.15,"endTime":111.24,"body":"ideas could only be better if I"},{"speaker":"Andy Hart","startTime":111.24,"endTime":114.93,"body":"was in a pub with them with a"},{"speaker":"Andy Hart","startTime":111.24,"endTime":114.93,"body":"beer or three. And I was there"},{"speaker":"Andy Hart","startTime":114.93,"endTime":117.78,"body":"to join in. But for now this"},{"speaker":"Andy Hart","startTime":114.93,"endTime":117.78,"body":"does nicely. Appreciate you all"},{"speaker":"Andy Hart","startTime":117.78,"endTime":120.63,"body":"giving up your time to give"},{"speaker":"Andy Hart","startTime":117.78,"endTime":120.63,"body":"back. That's it over to you"},{"speaker":"Andy Hart","startTime":120.63,"endTime":120.99,"body":"Nick."},{"speaker":"Nick Lincoln","startTime":121.98,"endTime":124.74,"body":"Super Thanks guys"},{"speaker":"Nick Lincoln","startTime":121.98,"endTime":124.74,"body":"and girls for the reviews keep"},{"speaker":"Nick Lincoln","startTime":124.92,"endTime":128.25,"body":"them coming in. It does give us"},{"speaker":"Nick Lincoln","startTime":124.92,"endTime":128.25,"body":"a little Philip and a shot in"},{"speaker":"Nick Lincoln","startTime":128.25,"endTime":131.67,"body":"the arm. So just some topical"},{"speaker":"Nick Lincoln","startTime":128.25,"endTime":131.67,"body":"tidbits to give this episode a"},{"speaker":"Nick Lincoln","startTime":131.67,"endTime":135.12,"body":"timestamp for our TRAPPIST"},{"speaker":"Nick Lincoln","startTime":131.67,"endTime":135.12,"body":"audience, I see that the"},{"speaker":"Nick Lincoln","startTime":135.12,"endTime":139.65,"body":"personal finance society has now"},{"speaker":"Nick Lincoln","startTime":135.12,"endTime":139.65,"body":"spent 800,000 pounds on third"},{"speaker":"Nick Lincoln","startTime":139.65,"endTime":143.73,"body":"party legal and audit costs. In"},{"speaker":"Nick Lincoln","startTime":139.65,"endTime":143.73,"body":"its clashed with the Chartered"},{"speaker":"Nick Lincoln","startTime":143.73,"endTime":147.03,"body":"Insurance Institute, it's bigger"},{"speaker":"Nick Lincoln","startTime":143.73,"endTime":147.03,"body":"brother or its effect parents."},{"speaker":"Nick Lincoln","startTime":147.45,"endTime":150.21,"body":"That sounds like an awful lot of"},{"speaker":"Nick Lincoln","startTime":147.45,"endTime":150.21,"body":"money. And I just can't see this"},{"speaker":"Nick Lincoln","startTime":150.3,"endTime":153.09,"body":"being resolved in any way."},{"speaker":"Nick Lincoln","startTime":150.3,"endTime":153.09,"body":"Whether where there's there's"},{"speaker":"Nick Lincoln","startTime":153.09,"endTime":157.29,"body":"gonna be trust or satisfaction"},{"speaker":"Nick Lincoln","startTime":153.09,"endTime":157.29,"body":"on either side. That's an awful"},{"speaker":"Nick Lincoln","startTime":157.29,"endTime":157.83,"body":"lot of money."},{"speaker":"Alan Smith","startTime":158.37,"endTime":161.52,"body":"When you hear these"},{"speaker":"Alan Smith","startTime":158.37,"endTime":161.52,"body":"figures getting quoted, it's"},{"speaker":"Alan Smith","startTime":161.52,"endTime":165.06,"body":"just insane ate your best part"},{"speaker":"Alan Smith","startTime":161.52,"endTime":165.06,"body":"of a million pounds for some"},{"speaker":"Alan Smith","startTime":165.06,"endTime":168.6,"body":"legal advice. Now this this is I"},{"speaker":"Alan Smith","startTime":165.06,"endTime":168.6,"body":"know it's kind of a big issue."},{"speaker":"Alan Smith","startTime":168.6,"endTime":170.82,"body":"But really in the greater scheme"},{"speaker":"Alan Smith","startTime":168.6,"endTime":170.82,"body":"of things is a bit of a storm in"},{"speaker":"Alan Smith","startTime":170.82,"endTime":175.29,"body":"a teacup sort of into"},{"speaker":"Alan Smith","startTime":170.82,"endTime":175.29,"body":"professional dispute. 800,000"},{"speaker":"Alan Smith","startTime":175.29,"endTime":177.63,"body":"pounds. It reminds me you know"},{"speaker":"Alan Smith","startTime":175.29,"endTime":177.63,"body":"when you hear of that the"},{"speaker":"Alan Smith","startTime":177.63,"endTime":181.8,"body":"regulator, getting a new logo"},{"speaker":"Alan Smith","startTime":177.63,"endTime":181.8,"body":"and it costs at 4.5 million US"},{"speaker":"Alan Smith","startTime":181.8,"endTime":186.69,"body":"Hyung you must get the ideal job"},{"speaker":"Alan Smith","startTime":181.8,"endTime":186.69,"body":"is to be a lawyer who gets"},{"speaker":"Alan Smith","startTime":186.69,"endTime":190.23,"body":"appointed or sort of does a"},{"speaker":"Alan Smith","startTime":186.69,"endTime":190.23,"body":"brand logo designer for a big"},{"speaker":"Alan Smith","startTime":190.23,"endTime":193.41,"body":"corporate and just charge"},{"speaker":"Alan Smith","startTime":190.23,"endTime":193.41,"body":"millions because those figures"},{"speaker":"Alan Smith","startTime":193.44,"endTime":195.93,"body":"are just off the scale. Nuts."},{"speaker":"Nick Lincoln","startTime":196.71,"endTime":198.87,"body":"Yeah, yeah. And"},{"speaker":"Nick Lincoln","startTime":196.71,"endTime":198.87,"body":"it's worth remembering that the"},{"speaker":"Nick Lincoln","startTime":198.87,"endTime":202.05,"body":"PFS people certainly don't get"},{"speaker":"Nick Lincoln","startTime":198.87,"endTime":202.05,"body":"paid for their, the roles"},{"speaker":"Nick Lincoln","startTime":202.05,"endTime":204.45,"body":"they're doing and everything"},{"speaker":"Nick Lincoln","startTime":202.05,"endTime":204.45,"body":"they're going through. So"},{"speaker":"Nick Lincoln","startTime":204.45,"endTime":206.76,"body":"they've got the pressure of this"},{"speaker":"Nick Lincoln","startTime":204.45,"endTime":206.76,"body":"battle with the CIA, and then"},{"speaker":"Nick Lincoln","startTime":206.76,"endTime":209.04,"body":"the pressure of knowing they're"},{"speaker":"Nick Lincoln","startTime":206.76,"endTime":209.04,"body":"spending members funds at this"},{"speaker":"Nick Lincoln","startTime":209.04,"endTime":211.08,"body":"rate, but they're not getting"},{"speaker":"Nick Lincoln","startTime":209.04,"endTime":211.08,"body":"paid for all this time they're"},{"speaker":"Nick Lincoln","startTime":211.08,"endTime":213.33,"body":"putting in so it's just it seems"},{"speaker":"Nick Lincoln","startTime":211.08,"endTime":213.33,"body":"to me like an immense mental"},{"speaker":"Nick Lincoln","startTime":213.33,"endTime":217.47,"body":"drain and obviously a financial"},{"speaker":"Nick Lincoln","startTime":213.33,"endTime":217.47,"body":"drain. In other news firm in the"},{"speaker":"Nick Lincoln","startTime":217.47,"endTime":223.44,"body":"southwest of England, called"},{"speaker":"Nick Lincoln","startTime":217.47,"endTime":223.44,"body":"Nexus has run into problems. It"},{"speaker":"Nick Lincoln","startTime":223.44,"endTime":225.75,"body":"looks like there's been some"},{"speaker":"Nick Lincoln","startTime":223.44,"endTime":225.75,"body":"nefarious activities going on,"},{"speaker":"Nick Lincoln","startTime":225.75,"endTime":230.61,"body":"we can't say the person's name."},{"speaker":"Nick Lincoln","startTime":225.75,"endTime":230.61,"body":"However, there's one director at"},{"speaker":"Nick Lincoln","startTime":230.61,"endTime":233.97,"body":"this firm. And in the news"},{"speaker":"Nick Lincoln","startTime":230.61,"endTime":233.97,"body":"reporting. So far, the FCA are"},{"speaker":"Nick Lincoln","startTime":233.97,"endTime":238.14,"body":"after this one director, suffice"},{"speaker":"Nick Lincoln","startTime":233.97,"endTime":238.14,"body":"to say that this one person"},{"speaker":"Nick Lincoln","startTime":238.44,"endTime":241.83,"body":"appear to be one of these award"},{"speaker":"Nick Lincoln","startTime":238.44,"endTime":241.83,"body":"junkies and won awards left,"},{"speaker":"Nick Lincoln","startTime":241.83,"endTime":245.85,"body":"right and center. And I think"},{"speaker":"Nick Lincoln","startTime":241.83,"endTime":245.85,"body":"awards probably have a place but"},{"speaker":"Nick Lincoln","startTime":245.88,"endTime":249.6,"body":"I also think it's a little bit"},{"speaker":"Nick Lincoln","startTime":245.88,"endTime":249.6,"body":"it's projection. And people that"},{"speaker":"Nick Lincoln","startTime":249.63,"endTime":253.71,"body":"enter awards for their own sake"},{"speaker":"Nick Lincoln","startTime":249.63,"endTime":253.71,"body":"and routinely enter awards. It's"},{"speaker":"Nick Lincoln","startTime":253.71,"endTime":258.36,"body":"like, okay, what are you trying"},{"speaker":"Nick Lincoln","startTime":253.71,"endTime":258.36,"body":"to prove? And anyway, the thing"},{"speaker":"Nick Lincoln","startTime":258.36,"endTime":260.91,"body":"about the one upside of the"},{"speaker":"Nick Lincoln","startTime":258.36,"endTime":260.91,"body":"story is that it happens so"},{"speaker":"Nick Lincoln","startTime":260.91,"endTime":263.88,"body":"infrequently, that when it does,"},{"speaker":"Nick Lincoln","startTime":260.91,"endTime":263.88,"body":"it's big news, but nevertheless"},{"speaker":"Nick Lincoln","startTime":263.88,"endTime":267.09,"body":"it does tarnish all of us and"},{"speaker":"Nick Lincoln","startTime":263.88,"endTime":267.09,"body":"that includes UCAR. All of us"},{"speaker":"Nick Lincoln","startTime":267.09,"endTime":270.81,"body":"advisors who are trusted with"},{"speaker":"Nick Lincoln","startTime":267.09,"endTime":270.81,"body":"client monies. It's definitely"},{"speaker":"Alan Smith","startTime":271.59,"endTime":274.35,"body":"it's alleged in"},{"speaker":"Alan Smith","startTime":271.59,"endTime":274.35,"body":"newspaper reports that there's"},{"speaker":"Alan Smith","startTime":274.35,"endTime":278.91,"body":"been some misappropriation of"},{"speaker":"Alan Smith","startTime":274.35,"endTime":278.91,"body":"client funds appear Yeah,"},{"speaker":"Alan Smith","startTime":278.91,"endTime":281.46,"body":"obviously hasn't gone yes via"},{"speaker":"Alan Smith","startTime":278.91,"endTime":281.46,"body":"the virus."},{"speaker":"Nick Lincoln","startTime":282.72,"endTime":285.12,"body":"By PMS. Yeah, and"},{"speaker":"Nick Lincoln","startTime":282.72,"endTime":285.12,"body":"the platform names are in the"},{"speaker":"Nick Lincoln","startTime":285.12,"endTime":288.21,"body":"public domain they are nucleus"},{"speaker":"Nick Lincoln","startTime":285.12,"endTime":288.21,"body":"and seven I am apparently"},{"speaker":"Carl Widger","startTime":289.08,"endTime":292.38,"body":"seems to me like"},{"speaker":"Carl Widger","startTime":289.08,"endTime":292.38,"body":"you're basically in turmoil over"},{"speaker":"Carl Widger","startTime":292.38,"endTime":297.45,"body":"there boys. Um, you need a"},{"speaker":"Carl Widger","startTime":292.38,"endTime":297.45,"body":"decent a decent regular like we"},{"speaker":"Carl Widger","startTime":297.45,"endTime":298.02,"body":"have here."},{"speaker":"Nick Lincoln","startTime":298.05,"endTime":301.02,"body":"It's a sinking"},{"speaker":"Nick Lincoln","startTime":298.05,"endTime":301.02,"body":"ship and RMX MPs are cabinet"},{"speaker":"Nick Lincoln","startTime":301.02,"endTime":305.31,"body":"ministers are evil, evil,"},{"speaker":"Nick Lincoln","startTime":301.02,"endTime":305.31,"body":"tyrannical bosses. You know, the"},{"speaker":"Nick Lincoln","startTime":305.31,"endTime":308.37,"body":"civil servants breaking down"},{"speaker":"Nick Lincoln","startTime":305.31,"endTime":308.37,"body":"because Dominic Rabb stares at"},{"speaker":"Nick Lincoln","startTime":308.37,"endTime":311.34,"body":"them as one of the charges"},{"speaker":"Nick Lincoln","startTime":308.37,"endTime":311.34,"body":"leveled against him, and they"},{"speaker":"Nick Lincoln","startTime":311.34,"endTime":314.55,"body":"don't answer the questions he"},{"speaker":"Nick Lincoln","startTime":311.34,"endTime":314.55,"body":"poses to them. And these are all"},{"speaker":"Nick Lincoln","startTime":314.55,"endTime":316.95,"body":"micro aggressions we need, we"},{"speaker":"Nick Lincoln","startTime":314.55,"endTime":316.95,"body":"need some beefing up over this"},{"speaker":"Nick Lincoln","startTime":316.95,"endTime":318.36,"body":"side of the Irish CCAR."},{"speaker":"Carl Widger","startTime":318.54,"endTime":323.52,"body":"Interestingly,"},{"speaker":"Carl Widger","startTime":318.54,"endTime":323.52,"body":"though, over here in Ireland, we"},{"speaker":"Carl Widger","startTime":323.55,"endTime":328.2,"body":"as intermediaries never actually"},{"speaker":"Carl Widger","startTime":323.55,"endTime":328.2,"body":"get hold of the client's money."},{"speaker":"Carl Widger","startTime":328.23,"endTime":332.34,"body":"So it's it's, it was a little"},{"speaker":"Carl Widger","startTime":328.23,"endTime":332.34,"body":"bit taken aback"},{"speaker":"Nick Lincoln","startTime":332.34,"endTime":334.65,"body":"that I would just"},{"speaker":"Nick Lincoln","startTime":332.34,"endTime":334.65,"body":"say, notably, decipher what what"},{"speaker":"Nick Lincoln","startTime":334.65,"endTime":338.25,"body":"happened here was that this this"},{"speaker":"Nick Lincoln","startTime":334.65,"endTime":338.25,"body":"person allegedly was taking was"},{"speaker":"Nick Lincoln","startTime":338.34,"endTime":341.13,"body":"putting through unauthorized"},{"speaker":"Nick Lincoln","startTime":338.34,"endTime":341.13,"body":"advisor fees from the clients"},{"speaker":"Nick Lincoln","startTime":341.13,"endTime":343.17,"body":"investments on the platforms"},{"speaker":"Nick Lincoln","startTime":341.13,"endTime":343.17,"body":"where we're not allowed to hold"},{"speaker":"Nick Lincoln","startTime":343.17,"endTime":345.63,"body":"client monies. It's that's"},{"speaker":"Nick Lincoln","startTime":343.17,"endTime":345.63,"body":"definitely that's that's arms"},{"speaker":"Nick Lincoln","startTime":345.69,"endTime":347.07,"body":"that you just don't do it. But"},{"speaker":"Alan Smith","startTime":348.21,"endTime":349.74,"body":"permissions. Yeah."},{"speaker":"Andy Hart","startTime":351.72,"endTime":353.07,"body":"But yeah, we don't"},{"speaker":"Carl Widger","startTime":353.07,"endTime":356.64,"body":"either. But I"},{"speaker":"Carl Widger","startTime":353.07,"endTime":356.64,"body":"suppose the the I read some of"},{"speaker":"Carl Widger","startTime":356.64,"endTime":360.93,"body":"the articles that you both"},{"speaker":"Carl Widger","startTime":356.64,"endTime":360.93,"body":"shared, and there's a lot of"},{"speaker":"Carl Widger","startTime":360.93,"endTime":366.57,"body":"money gone a while here, it"},{"speaker":"Carl Widger","startTime":360.93,"endTime":366.57,"body":"seems. And, and I believe, from"},{"speaker":"Carl Widger","startTime":366.57,"endTime":370.92,"body":"what I've read, that it was"},{"speaker":"Carl Widger","startTime":366.57,"endTime":370.92,"body":"found out because the platform"},{"speaker":"Carl Widger","startTime":370.92,"endTime":375.03,"body":"said, Whoa, what's going on"},{"speaker":"Carl Widger","startTime":370.92,"endTime":375.03,"body":"here? But did when you got"},{"speaker":"Carl Widger","startTime":375.03,"endTime":375.51,"body":"advisor"},{"speaker":"Alan Smith","startTime":375.51,"endTime":378.3,"body":"fees running into"},{"speaker":"Alan Smith","startTime":375.51,"endTime":378.3,"body":"millions of pounds? It's not"},{"speaker":"Alan Smith","startTime":378.3,"endTime":382.62,"body":"surprising that there's some"},{"speaker":"Alan Smith","startTime":378.3,"endTime":382.62,"body":"more light flashes on a"},{"speaker":"Alan Smith","startTime":382.62,"endTime":383.16,"body":"platform."},{"speaker":"Carl Widger","startTime":383.19,"endTime":385.38,"body":"Yeah. But that's my"},{"speaker":"Carl Widger","startTime":383.19,"endTime":385.38,"body":"point, Ireland that apparently"},{"speaker":"Carl Widger","startTime":385.38,"endTime":389.1,"body":"this was over a two year period."},{"speaker":"Carl Widger","startTime":385.38,"endTime":389.1,"body":"So I don't know, are there not?"},{"speaker":"Carl Widger","startTime":390.51,"endTime":393.96,"body":"Red flags going up somewhere?"},{"speaker":"Carl Widger","startTime":390.51,"endTime":393.96,"body":"And if there's, if there's large"},{"speaker":"Carl Widger","startTime":393.96,"endTime":396.72,"body":"chunks of fees anyway, I'm sure"},{"speaker":"Carl Widger","startTime":393.96,"endTime":396.72,"body":"this one will play out. And I"},{"speaker":"Carl Widger","startTime":396.72,"endTime":399.96,"body":"don't think it's, it's it's, as"},{"speaker":"Carl Widger","startTime":396.72,"endTime":399.96,"body":"Nick says, it's, it does affect"},{"speaker":"Carl Widger","startTime":399.96,"endTime":404.7,"body":"us all, because it's, you know,"},{"speaker":"Carl Widger","startTime":399.96,"endTime":404.7,"body":"it's damaging the reputation of"},{"speaker":"Carl Widger","startTime":404.73,"endTime":407.67,"body":"all financial planners, and"},{"speaker":"Carl Widger","startTime":404.73,"endTime":407.67,"body":"there's always going to be a few"},{"speaker":"Carl Widger","startTime":407.67,"endTime":411.09,"body":"bad eggs. Unfortunately, we all"},{"speaker":"Carl Widger","startTime":407.67,"endTime":411.09,"body":"know that. We just got to keep"},{"speaker":"Carl Widger","startTime":411.09,"endTime":413.97,"body":"doing what we're doing. And I"},{"speaker":"Carl Widger","startTime":411.09,"endTime":413.97,"body":"suppose our big focus here is"},{"speaker":"Carl Widger","startTime":414.33,"endTime":417.39,"body":"to, you know, make sure that the"},{"speaker":"Carl Widger","startTime":414.33,"endTime":417.39,"body":"corporate governance is spoken"},{"speaker":"Carl Widger","startTime":417.39,"endTime":420.45,"body":"about it. I've spoken about it"},{"speaker":"Carl Widger","startTime":417.39,"endTime":420.45,"body":"so much, make sure it's, you"},{"speaker":"Carl Widger","startTime":420.45,"endTime":423.39,"body":"know, absolutely as rock solid"},{"speaker":"Carl Widger","startTime":420.45,"endTime":423.39,"body":"as it possibly can be."},{"speaker":"Nick Lincoln","startTime":424.35,"endTime":428.55,"body":"Absolutely. So I"},{"speaker":"Nick Lincoln","startTime":424.35,"endTime":428.55,"body":"have another group of financial"},{"speaker":"Nick Lincoln","startTime":428.55,"endTime":430.53,"body":"advisors that I'm friendly with"},{"speaker":"Nick Lincoln","startTime":428.55,"endTime":430.53,"body":"not as friendly as I am with you"},{"speaker":"Nick Lincoln","startTime":430.53,"endTime":433.08,"body":"guys, obviously. But I have"},{"speaker":"Nick Lincoln","startTime":430.53,"endTime":433.08,"body":"another group of iPhones I"},{"speaker":"Nick Lincoln","startTime":433.08,"endTime":437.01,"body":"occasionally socialize with. And"},{"speaker":"Nick Lincoln","startTime":433.08,"endTime":437.01,"body":"I last week, I spoke to them"},{"speaker":"Nick Lincoln","startTime":437.31,"endTime":440.04,"body":"about the fact that I'm just"},{"speaker":"Nick Lincoln","startTime":437.31,"endTime":440.04,"body":"looking at VCTs venture capital"},{"speaker":"Nick Lincoln","startTime":440.04,"endTime":442.2,"body":"trust. And again, Carl, forgive"},{"speaker":"Nick Lincoln","startTime":440.04,"endTime":442.2,"body":"me, I'm not sure if you have an"},{"speaker":"Nick Lincoln","startTime":442.2,"endTime":446.52,"body":"equivalent in in Ireland, but"},{"speaker":"Nick Lincoln","startTime":442.2,"endTime":446.52,"body":"VCT is aware that the British"},{"speaker":"Nick Lincoln","startTime":446.52,"endTime":451.65,"body":"government is dead keen on on"},{"speaker":"Nick Lincoln","startTime":446.52,"endTime":451.65,"body":"startup British companies, micro"},{"speaker":"Nick Lincoln","startTime":451.65,"endTime":454.17,"body":"companies getting investment"},{"speaker":"Nick Lincoln","startTime":451.65,"endTime":454.17,"body":"funds to help them live off the"},{"speaker":"Nick Lincoln","startTime":454.17,"endTime":455.91,"body":"ground. And if you invest in"},{"speaker":"Nick Lincoln","startTime":454.17,"endTime":455.91,"body":"these companies, you get these"},{"speaker":"Nick Lincoln","startTime":455.91,"endTime":460.08,"body":"tax reliefs upfront. And a VCT"},{"speaker":"Nick Lincoln","startTime":455.91,"endTime":460.08,"body":"is where a fund manager God"},{"speaker":"Nick Lincoln","startTime":460.08,"endTime":463.29,"body":"helped me invest in a range of"},{"speaker":"Nick Lincoln","startTime":460.08,"endTime":463.29,"body":"these small micro businesses"},{"speaker":"Nick Lincoln","startTime":463.32,"endTime":467.37,"body":"aimed listed businesses. So you"},{"speaker":"Nick Lincoln","startTime":463.32,"endTime":467.37,"body":"have to pick the VCTs. And it's"},{"speaker":"Nick Lincoln","startTime":467.37,"endTime":470.34,"body":"like going back to being active"},{"speaker":"Nick Lincoln","startTime":467.37,"endTime":470.34,"body":"fund manager, but on selector"},{"speaker":"Nick Lincoln","startTime":470.34,"endTime":472.71,"body":"but on steroids, because you"},{"speaker":"Nick Lincoln","startTime":470.34,"endTime":472.71,"body":"really don't know anything about"},{"speaker":"Nick Lincoln","startTime":472.71,"endTime":475.53,"body":"any of these startups just like"},{"speaker":"Nick Lincoln","startTime":472.71,"endTime":475.53,"body":"throwing, but I put a bit of"},{"speaker":"Nick Lincoln","startTime":475.53,"endTime":479.52,"body":"money into a couple of VCTs. And"},{"speaker":"Nick Lincoln","startTime":475.53,"endTime":479.52,"body":"you get 30% knocked off your tax"},{"speaker":"Nick Lincoln","startTime":479.52,"endTime":482.04,"body":"bill as a result. And I"},{"speaker":"Nick Lincoln","startTime":479.52,"endTime":482.04,"body":"mentioned this to him, or these"},{"speaker":"Nick Lincoln","startTime":482.04,"endTime":485.07,"body":"IFA friends that I was with. And"},{"speaker":"Nick Lincoln","startTime":482.04,"endTime":485.07,"body":"you know, and one of them said"},{"speaker":"Nick Lincoln","startTime":485.07,"endTime":487.68,"body":"to me quite aggressively, like I"},{"speaker":"Nick Lincoln","startTime":485.07,"endTime":487.68,"body":"see why he was being they said,"},{"speaker":"Nick Lincoln","startTime":487.68,"endTime":489.63,"body":"Well, okay, that's great. And"},{"speaker":"Nick Lincoln","startTime":487.68,"endTime":489.63,"body":"you recommend this for your"},{"speaker":"Nick Lincoln","startTime":489.63,"endTime":492.42,"body":"clients? Do you Nick as as"},{"speaker":"Nick Lincoln","startTime":489.63,"endTime":492.42,"body":"likewise? And I said, No, I"},{"speaker":"Nick Lincoln","startTime":492.42,"endTime":494.88,"body":"don't actually I don't recommend"},{"speaker":"Nick Lincoln","startTime":492.42,"endTime":494.88,"body":"VC to that. I know, it's part of"},{"speaker":"Nick Lincoln","startTime":494.88,"endTime":498.45,"body":"my retail package products. VCTs"},{"speaker":"Nick Lincoln","startTime":494.88,"endTime":498.45,"body":"are in that category. And we're"},{"speaker":"Nick Lincoln","startTime":498.45,"endTime":501.66,"body":"duty bound to raise them with"},{"speaker":"Nick Lincoln","startTime":498.45,"endTime":501.66,"body":"clients when it's appropriate."},{"speaker":"Nick Lincoln","startTime":501.66,"endTime":506.07,"body":"And I do raise VCTs with"},{"speaker":"Nick Lincoln","startTime":501.66,"endTime":506.07,"body":"clients. But I will never go as"},{"speaker":"Nick Lincoln","startTime":506.07,"endTime":509.01,"body":"far as to actually researching"},{"speaker":"Nick Lincoln","startTime":506.07,"endTime":509.01,"body":"and recommending one because"},{"speaker":"Nick Lincoln","startTime":509.01,"endTime":512.04,"body":"there's just too many moving"},{"speaker":"Nick Lincoln","startTime":509.01,"endTime":512.04,"body":"parts. So I flagged the fact"},{"speaker":"Nick Lincoln","startTime":512.04,"endTime":513.87,"body":"that VCTs are out there for"},{"speaker":"Nick Lincoln","startTime":512.04,"endTime":513.87,"body":"clients that have got"},{"speaker":"Nick Lincoln","startTime":513.87,"endTime":516.81,"body":"substantial tax bills, do your"},{"speaker":"Nick Lincoln","startTime":513.87,"endTime":516.81,"body":"own research if you want to."},{"speaker":"Nick Lincoln","startTime":517.26,"endTime":519.42,"body":"Because it's just it's I mean,"},{"speaker":"Nick Lincoln","startTime":517.26,"endTime":519.42,"body":"the clients are going to forget"},{"speaker":"Nick Lincoln","startTime":519.42,"endTime":521.85,"body":"about the 30% tax relief,"},{"speaker":"Nick Lincoln","startTime":519.42,"endTime":521.85,"body":"they're going to forget that"},{"speaker":"Nick Lincoln","startTime":521.85,"endTime":524.61,"body":"you're locked in for five years,"},{"speaker":"Nick Lincoln","startTime":521.85,"endTime":524.61,"body":"they're going to forget that"},{"speaker":"Nick Lincoln","startTime":524.61,"endTime":527.58,"body":"these things are highly"},{"speaker":"Nick Lincoln","startTime":524.61,"endTime":527.58,"body":"illiquid, and your your loss of"},{"speaker":"Nick Lincoln","startTime":527.61,"endTime":532.02,"body":"permanent capital be wiped out."},{"speaker":"Nick Lincoln","startTime":527.61,"endTime":532.02,"body":"There's they're very illiquid,"},{"speaker":"Nick Lincoln","startTime":532.05,"endTime":534.48,"body":"clients will forget all this."},{"speaker":"Nick Lincoln","startTime":532.05,"endTime":534.48,"body":"And also I've got I haven't got"},{"speaker":"Nick Lincoln","startTime":534.48,"endTime":537.6,"body":"the skills to to research the"},{"speaker":"Nick Lincoln","startTime":534.48,"endTime":537.6,"body":"underlying VCT to any great"},{"speaker":"Nick Lincoln","startTime":537.6,"endTime":540.84,"body":"proficiency. But I think this"},{"speaker":"Nick Lincoln","startTime":537.6,"endTime":540.84,"body":"this one is I suppose I was"},{"speaker":"Nick Lincoln","startTime":540.84,"endTime":544.41,"body":"talking to, he was saying he's"},{"speaker":"Nick Lincoln","startTime":540.84,"endTime":544.41,"body":"got on his pi, the access for"},{"speaker":"Nick Lincoln","startTime":544.41,"endTime":547.05,"body":"standard stuff is about 2k. For"},{"speaker":"Nick Lincoln","startTime":544.41,"endTime":547.05,"body":"pension switching, it's about"},{"speaker":"Nick Lincoln","startTime":547.05,"endTime":552.99,"body":"5k. For VCTs, the excess is"},{"speaker":"Nick Lincoln","startTime":547.05,"endTime":552.99,"body":"15,000 quid, and that's I'm"},{"speaker":"Nick Lincoln","startTime":552.99,"endTime":556.62,"body":"charging 15,000 quid for each"},{"speaker":"Nick Lincoln","startTime":552.99,"endTime":556.62,"body":"bit of advice. I give one a VCT."},{"speaker":"Nick Lincoln","startTime":557.01,"endTime":559.8,"body":"There's no There's no way I can"},{"speaker":"Nick Lincoln","startTime":557.01,"endTime":559.8,"body":"touch them as a businessman. So"},{"speaker":"Nick Lincoln","startTime":559.8,"endTime":562.29,"body":"although the FCA might say you"},{"speaker":"Nick Lincoln","startTime":559.8,"endTime":562.29,"body":"need to address these, and I do"},{"speaker":"Nick Lincoln","startTime":562.32,"endTime":564.69,"body":"generically, there's no way I'm"},{"speaker":"Nick Lincoln","startTime":562.32,"endTime":564.69,"body":"ever getting into a product"},{"speaker":"Nick Lincoln","startTime":564.69,"endTime":567.96,"body":"recommendation, or VCTs. It's"},{"speaker":"Nick Lincoln","startTime":564.69,"endTime":567.96,"body":"just there's just no upside for"},{"speaker":"Nick Lincoln","startTime":567.96,"endTime":570.48,"body":"anybody. So it's just"},{"speaker":"Nick Lincoln","startTime":567.96,"endTime":570.48,"body":"interesting to see how other"},{"speaker":"Nick Lincoln","startTime":570.48,"endTime":573.9,"body":"people are then if you guys have"},{"speaker":"Nick Lincoln","startTime":570.48,"endTime":573.9,"body":"ever used VCTs through the"},{"speaker":"Nick Lincoln","startTime":573.9,"endTime":575.79,"body":"advised side of your lives."},{"speaker":"Alan Smith","startTime":577.89,"endTime":581.22,"body":"We have I mean,"},{"speaker":"Alan Smith","startTime":577.89,"endTime":581.22,"body":"maybe in all the years I think"},{"speaker":"Alan Smith","startTime":581.22,"endTime":584.46,"body":"one or two for very, very"},{"speaker":"Alan Smith","startTime":581.22,"endTime":584.46,"body":"specific reasons. And this is"},{"speaker":"Alan Smith","startTime":584.46,"endTime":587.88,"body":"assuming that your client is"},{"speaker":"Alan Smith","startTime":584.46,"endTime":587.88,"body":"maxed that on every other legit"},{"speaker":"Alan Smith","startTime":587.97,"endTime":592.95,"body":"tax wrapper, pensions ICERs even"},{"speaker":"Alan Smith","startTime":587.97,"endTime":592.95,"body":"looking at kind of offshore bond"},{"speaker":"Alan Smith","startTime":592.95,"endTime":596.49,"body":"wrappers as being a legitimate"},{"speaker":"Alan Smith","startTime":592.95,"endTime":596.49,"body":"place to hold certain assets,"},{"speaker":"Alan Smith","startTime":597.15,"endTime":601.98,"body":"only then and so once or twice"},{"speaker":"Alan Smith","startTime":597.15,"endTime":601.98,"body":"We actually had a piece of work"},{"speaker":"Alan Smith","startTime":601.98,"endTime":606.3,"body":"done for us a few years ago,"},{"speaker":"Alan Smith","startTime":601.98,"endTime":606.3,"body":"which was a it's very difficult"},{"speaker":"Alan Smith","startTime":606.3,"endTime":609.9,"body":"to get independent analysis on"},{"speaker":"Alan Smith","startTime":606.3,"endTime":609.9,"body":"this stuff. But there is some"},{"speaker":"Alan Smith","startTime":609.9,"endTime":612.6,"body":"published information EIS,"},{"speaker":"Alan Smith","startTime":609.9,"endTime":612.6,"body":"forget about it as sort of one"},{"speaker":"Alan Smith","startTime":612.6,"endTime":615.87,"body":"company at a time, but VCTs"},{"speaker":"Alan Smith","startTime":612.6,"endTime":615.87,"body":"there is some published"},{"speaker":"Alan Smith","startTime":615.87,"endTime":619.2,"body":"information on it. And the"},{"speaker":"Alan Smith","startTime":615.87,"endTime":619.2,"body":"report which we had"},{"speaker":"Alan Smith","startTime":619.2,"endTime":623.82,"body":"commissioned, the upshot of it"},{"speaker":"Alan Smith","startTime":619.2,"endTime":623.82,"body":"was that if it wasn't for the"},{"speaker":"Alan Smith","startTime":623.82,"endTime":627.27,"body":"tax break, you're losing money"},{"speaker":"Alan Smith","startTime":623.82,"endTime":627.27,"body":"on these things with a tax break"},{"speaker":"Alan Smith","startTime":627.27,"endTime":631.11,"body":"you're just about breaking even"},{"speaker":"Alan Smith","startTime":627.27,"endTime":631.11,"body":"but the other thing to recognize"},{"speaker":"Alan Smith","startTime":631.14,"endTime":634.68,"body":"is because it is very it's very"},{"speaker":"Alan Smith","startTime":631.14,"endTime":634.68,"body":"kind of labor intensive go to"},{"speaker":"Alan Smith","startTime":634.68,"endTime":637.83,"body":"the individual research and"},{"speaker":"Alan Smith","startTime":634.68,"endTime":637.83,"body":"individual micro companies all"},{"speaker":"Alan Smith","startTime":637.83,"endTime":640.89,"body":"that is you know, super"},{"speaker":"Alan Smith","startTime":637.83,"endTime":640.89,"body":"expensive so your your fees and"},{"speaker":"Alan Smith","startTime":640.89,"endTime":644.67,"body":"costs are enormous you still"},{"speaker":"Alan Smith","startTime":640.89,"endTime":644.67,"body":"it's sort of like going back to"},{"speaker":"Alan Smith","startTime":644.7,"endTime":647.88,"body":"10 or 20 years you got five or"},{"speaker":"Alan Smith","startTime":644.7,"endTime":647.88,"body":"6% initial spreads when you set"},{"speaker":"Alan Smith","startTime":647.88,"endTime":650.88,"body":"the thing up you've got ongoing"},{"speaker":"Alan Smith","startTime":647.88,"endTime":650.88,"body":"fees the best part of 3% If"},{"speaker":"Alan Smith","startTime":650.88,"endTime":654.27,"body":"you've got all the added costs,"},{"speaker":"Alan Smith","startTime":650.88,"endTime":654.27,"body":"you've got a huge hurdle rate"},{"speaker":"Alan Smith","startTime":654.87,"endTime":658.23,"body":"and other tax relief helps but"},{"speaker":"Alan Smith","startTime":654.87,"endTime":658.23,"body":"the conclusion we came to and it"},{"speaker":"Alan Smith","startTime":658.23,"endTime":660.51,"body":"was you know pretty much"},{"speaker":"Alan Smith","startTime":658.23,"endTime":660.51,"body":"evidence based and research"},{"speaker":"Alan Smith","startTime":660.51,"endTime":664.08,"body":"based was you better off just"},{"speaker":"Alan Smith","startTime":660.51,"endTime":664.08,"body":"for going to tax rate tech tax"},{"speaker":"Alan Smith","startTime":664.08,"endTime":666.96,"body":"break and just investing in the"},{"speaker":"Alan Smith","startTime":664.08,"endTime":666.96,"body":"public markets in a more"},{"speaker":"Alan Smith","startTime":666.96,"endTime":670.47,"body":"traditional way. Your your easy"},{"speaker":"Alan Smith","startTime":666.96,"endTime":670.47,"body":"access liquidity super low"},{"speaker":"Alan Smith","startTime":670.47,"endTime":673.32,"body":"costs, alright, you're not"},{"speaker":"Alan Smith","startTime":670.47,"endTime":673.32,"body":"getting the same degree of tax"},{"speaker":"Alan Smith","startTime":673.32,"endTime":676.89,"body":"breaks but overall all things"},{"speaker":"Alan Smith","startTime":673.32,"endTime":676.89,"body":"considered not couldn't come up"},{"speaker":"Alan Smith","startTime":676.89,"endTime":681.24,"body":"with a very compulsive reason to"},{"speaker":"Alan Smith","startTime":676.89,"endTime":681.24,"body":"recommend these in any sort of"},{"speaker":"Alan Smith","startTime":681.24,"endTime":685.11,"body":"scale as a pot as opposed to the"},{"speaker":"Alan Smith","startTime":681.24,"endTime":685.11,"body":"the occasional the very rare set"},{"speaker":"Alan Smith","startTime":685.11,"endTime":687.75,"body":"of circumstances that will"},{"speaker":"Alan Smith","startTime":685.11,"endTime":687.75,"body":"happen, you know, once every few"},{"speaker":"Alan Smith","startTime":687.75,"endTime":689.22,"body":"years. What are your thoughts,"},{"speaker":"Alan Smith","startTime":687.75,"endTime":689.22,"body":"Andrew?"},{"speaker":"Andy Hart","startTime":690.9,"endTime":693.63,"body":"Well, I sort of"},{"speaker":"Andy Hart","startTime":690.9,"endTime":693.63,"body":"concur with Nick said yeah, we"},{"speaker":"Andy Hart","startTime":693.63,"endTime":696.66,"body":"got to consider them for certain"},{"speaker":"Andy Hart","startTime":693.63,"endTime":696.66,"body":"clients. I know some advisors"},{"speaker":"Andy Hart","startTime":696.66,"endTime":698.79,"body":"that dead keen on them and there"},{"speaker":"Andy Hart","startTime":696.66,"endTime":698.79,"body":"are companies that do a lot of"},{"speaker":"Andy Hart","startTime":698.79,"endTime":703.08,"body":"research for you but yeah, I"},{"speaker":"Andy Hart","startTime":698.79,"endTime":703.08,"body":"still avoid advising on them"},{"speaker":"Andy Hart","startTime":703.32,"endTime":706.53,"body":"high end vanilla firm but on"},{"speaker":"Andy Hart","startTime":703.32,"endTime":706.53,"body":"anything blowing up on a sleep"},{"speaker":"Andy Hart","startTime":706.53,"endTime":709.2,"body":"well at night and you're right"},{"speaker":"Andy Hart","startTime":706.53,"endTime":709.2,"body":"Alan, we spoke about this before"},{"speaker":"Andy Hart","startTime":709.2,"endTime":713.58,"body":"some of these sorts of tax led"},{"speaker":"Andy Hart","startTime":709.2,"endTime":713.58,"body":"investments maintaining the"},{"speaker":"Andy Hart","startTime":713.58,"endTime":716.34,"body":"capital value but saving tax on"},{"speaker":"Andy Hart","startTime":713.58,"endTime":716.34,"body":"the back end you're better off"},{"speaker":"Andy Hart","startTime":716.34,"endTime":718.47,"body":"just investing in standard"},{"speaker":"Andy Hart","startTime":716.34,"endTime":718.47,"body":"investments and getting the"},{"speaker":"Andy Hart","startTime":718.47,"endTime":722.28,"body":"market returns which over time"},{"speaker":"Andy Hart","startTime":718.47,"endTime":722.28,"body":"you know, a fabulous So yeah,"},{"speaker":"Andy Hart","startTime":722.43,"endTime":723.21,"body":"that's my thoughts"},{"speaker":"Alan Smith","startTime":723.99,"endTime":725.94,"body":"is that what you"},{"speaker":"Alan Smith","startTime":723.99,"endTime":725.94,"body":"refer to yourself as high end"},{"speaker":"Alan Smith","startTime":725.94,"endTime":727.14,"body":"vanilla? quite liked their"},{"speaker":"Andy Hart","startTime":727.14,"endTime":728.22,"body":"high end vanilla"},{"speaker":"Andy Hart","startTime":727.14,"endTime":728.22,"body":"firm?"},{"speaker":"Alan Smith","startTime":729.24,"endTime":731.97,"body":"Yeah, good. Good."},{"speaker":"Alan Smith","startTime":729.24,"endTime":731.97,"body":"Well, you can use a"},{"speaker":"Nick Lincoln","startTime":732.27,"endTime":735.75,"body":"very good very"},{"speaker":"Nick Lincoln","startTime":732.27,"endTime":735.75,"body":"good and it's the portal I use"},{"speaker":"Nick Lincoln","startTime":736.23,"endTime":740.7,"body":"plain the height that the portal"},{"speaker":"Nick Lincoln","startTime":736.23,"endTime":740.7,"body":"I use for VCTs is and this is"},{"speaker":"Nick Lincoln","startTime":740.7,"endTime":744.09,"body":"not advice by the way it was an"},{"speaker":"Nick Lincoln","startTime":740.7,"endTime":744.09,"body":"execution only discount online"},{"speaker":"Nick Lincoln","startTime":744.09,"endTime":746.7,"body":"brokerage is called wealth plan"},{"speaker":"Nick Lincoln","startTime":744.09,"endTime":746.7,"body":"and it's really slick and Andy"},{"speaker":"Nick Lincoln","startTime":746.73,"endTime":748.83,"body":"although you're not interested"},{"speaker":"Nick Lincoln","startTime":746.73,"endTime":748.83,"body":"in these products, you'd love"},{"speaker":"Nick Lincoln","startTime":748.83,"endTime":752.7,"body":"the way they make this so easy"},{"speaker":"Nick Lincoln","startTime":748.83,"endTime":752.7,"body":"to invest in VCTs which are more"},{"speaker":"Nick Lincoln","startTime":752.7,"endTime":754.77,"body":"of a pain in the ass and you"},{"speaker":"Nick Lincoln","startTime":752.7,"endTime":754.77,"body":"know, you got to take high net"},{"speaker":"Nick Lincoln","startTime":754.77,"endTime":758.28,"body":"worth declarations sophisticated"},{"speaker":"Nick Lincoln","startTime":754.77,"endTime":758.28,"body":"and and I found out that wealth"},{"speaker":"Nick Lincoln","startTime":758.28,"endTime":761.7,"body":"plan is owned by an ex"},{"speaker":"Nick Lincoln","startTime":758.28,"endTime":761.7,"body":"Hargreaves Lansdown director. So"},{"speaker":"Nick Lincoln","startTime":761.7,"endTime":764.43,"body":"he's taken that approach of"},{"speaker":"Nick Lincoln","startTime":761.7,"endTime":764.43,"body":"let's make this really clear,"},{"speaker":"Nick Lincoln","startTime":764.43,"endTime":768.36,"body":"friendly, easy to use, and"},{"speaker":"Nick Lincoln","startTime":764.43,"endTime":768.36,"body":"seamless kind of end to end"},{"speaker":"Nick Lincoln","startTime":768.36,"endTime":770.58,"body":"things. So anyway. And Carl,"},{"speaker":"Nick Lincoln","startTime":768.36,"endTime":770.58,"body":"just to close on the mission, do"},{"speaker":"Nick Lincoln","startTime":770.64,"endTime":773.94,"body":"you have a similar similar kind"},{"speaker":"Nick Lincoln","startTime":770.64,"endTime":773.94,"body":"of structures in Ireland?"},{"speaker":"Andy Hart","startTime":774.36,"endTime":776.1,"body":"I don't think so. And"},{"speaker":"Andy Hart","startTime":774.36,"endTime":776.1,"body":"we have"},{"speaker":"Carl Widger","startTime":776.13,"endTime":779.67,"body":"EIS, which is more"},{"speaker":"Carl Widger","startTime":776.13,"endTime":779.67,"body":"like what Ivan described, you"},{"speaker":"Carl Widger","startTime":779.67,"endTime":782.67,"body":"know, investing in one company"},{"speaker":"Carl Widger","startTime":779.67,"endTime":782.67,"body":"at a time, but there is kind of"},{"speaker":"Carl Widger","startTime":784.71,"endTime":788.55,"body":"a couple of places who are doing"},{"speaker":"Carl Widger","startTime":784.71,"endTime":788.55,"body":"kind of EIS funds. So there's"},{"speaker":"Carl Widger","startTime":788.55,"endTime":792.3,"body":"several different businesses"},{"speaker":"Carl Widger","startTime":788.55,"endTime":792.3,"body":"involved. We don't recommend"},{"speaker":"Carl Widger","startTime":792.3,"endTime":795.57,"body":"them a little bit like what"},{"speaker":"Carl Widger","startTime":792.3,"endTime":795.57,"body":"you're saying, we're aware that"},{"speaker":"Carl Widger","startTime":795.57,"endTime":799.5,"body":"some of our clients go and do"},{"speaker":"Carl Widger","startTime":795.57,"endTime":799.5,"body":"them. But look, it's it's it's"},{"speaker":"Carl Widger","startTime":799.5,"endTime":803.46,"body":"startup companies. So it's, it's"},{"speaker":"Carl Widger","startTime":799.5,"endTime":803.46,"body":"a mega high risk stuff. It's not"},{"speaker":"Carl Widger","startTime":803.46,"endTime":807.27,"body":"what we do. So you know, we"},{"speaker":"Carl Widger","startTime":803.46,"endTime":807.27,"body":"stick to our knitting, we know"},{"speaker":"Carl Widger","startTime":807.27,"endTime":809.88,"body":"what we're good at. And that's"},{"speaker":"Carl Widger","startTime":807.27,"endTime":809.88,"body":"definitely not something that"},{"speaker":"Carl Widger","startTime":809.94,"endTime":813.18,"body":"that we will be looking at"},{"speaker":"Carl Widger","startTime":809.94,"endTime":813.18,"body":"anytime soon. Or ever"},{"speaker":"Nick Lincoln","startTime":813.87,"endTime":817.77,"body":"interested. Well"},{"speaker":"Nick Lincoln","startTime":813.87,"endTime":817.77,"body":"plan, do VCTs EIS is and then"},{"speaker":"Nick Lincoln","startTime":817.83,"endTime":821.91,"body":"seed enterprise investment"},{"speaker":"Nick Lincoln","startTime":817.83,"endTime":821.91,"body":"schemes, the real mega ones, you"},{"speaker":"Nick Lincoln","startTime":821.91,"endTime":824.13,"body":"know, so I'm just dabbling with"},{"speaker":"Nick Lincoln","startTime":821.91,"endTime":824.13,"body":"VCTs. But yeah, so"},{"speaker":"Andy Hart","startTime":824.13,"endTime":827.4,"body":"we used it. Well,"},{"speaker":"Andy Hart","startTime":824.13,"endTime":827.4,"body":"this is just a you a serial"},{"speaker":"Andy Hart","startTime":827.4,"endTime":828.36,"body":"investor. Now, Nick."},{"speaker":"Alan Smith","startTime":830.43,"endTime":833.46,"body":"I assume you claim"},{"speaker":"Alan Smith","startTime":830.43,"endTime":833.46,"body":"to be an angel investor of"},{"speaker":"Alan Smith","startTime":833.46,"endTime":833.88,"body":"serial."},{"speaker":"Nick Lincoln","startTime":834.089,"endTime":840.299,"body":"Oh, I don't I"},{"speaker":"Nick Lincoln","startTime":834.089,"endTime":840.299,"body":"don't I'm definitely 10x This"},{"speaker":"Nick Lincoln","startTime":840.299,"endTime":843.269,"body":"year, an investor I was this"},{"speaker":"Nick Lincoln","startTime":840.299,"endTime":843.269,"body":"time last month. Let's move on."},{"speaker":"Nick Lincoln","startTime":843.269,"endTime":846.359,"body":"Now. Someone's putting it in the"},{"speaker":"Nick Lincoln","startTime":843.269,"endTime":846.359,"body":"topical tidbit section value for"},{"speaker":"Nick Lincoln","startTime":846.359,"endTime":848.549,"body":"money statements. I think again,"},{"speaker":"Nick Lincoln","startTime":846.359,"endTime":848.549,"body":"it's Hargreaves Lansdown, I"},{"speaker":"Nick Lincoln","startTime":848.549,"endTime":849.389,"body":"don't know who put that in"},{"speaker":"Nick Lincoln","startTime":848.549,"endTime":849.389,"body":"there."},{"speaker":"Alan Smith","startTime":850.17,"endTime":852.27,"body":"I put it in Okay."},{"speaker":"Alan Smith","startTime":850.17,"endTime":852.27,"body":"Something that came up it is"},{"speaker":"Alan Smith","startTime":852.27,"endTime":855.84,"body":"topical. It was well, the things"},{"speaker":"Alan Smith","startTime":852.27,"endTime":855.84,"body":"themselves are not topical."},{"speaker":"Alan Smith","startTime":855.84,"endTime":858.12,"body":"They've been out for a few years"},{"speaker":"Alan Smith","startTime":855.84,"endTime":858.12,"body":"but the the one I'd happen to"},{"speaker":"Alan Smith","startTime":858.12,"endTime":861.57,"body":"notice, again, this is UK"},{"speaker":"Alan Smith","startTime":858.12,"endTime":861.57,"body":"centric, not sure if your"},{"speaker":"Alan Smith","startTime":861.57,"endTime":864.57,"body":"regulator insists on this car,"},{"speaker":"Alan Smith","startTime":861.57,"endTime":864.57,"body":"but there is a as a concept"},{"speaker":"Alan Smith","startTime":864.57,"endTime":868.32,"body":"called all fund managers, asset"},{"speaker":"Alan Smith","startTime":864.57,"endTime":868.32,"body":"managers have to create this"},{"speaker":"Alan Smith","startTime":868.32,"endTime":871.11,"body":"thing called a value value"},{"speaker":"Alan Smith","startTime":868.32,"endTime":871.11,"body":"assessment. So they've got a"},{"speaker":"Alan Smith","startTime":871.11,"endTime":874.98,"body":"look at they've all got a you"},{"speaker":"Alan Smith","startTime":871.11,"endTime":874.98,"body":"know, the appointed board and"},{"speaker":"Alan Smith","startTime":874.98,"endTime":878.7,"body":"that there's this they"},{"speaker":"Alan Smith","startTime":874.98,"endTime":878.7,"body":"effectively are told to mark"},{"speaker":"Alan Smith","startTime":878.7,"endTime":882.81,"body":"their own homework, you know, is"},{"speaker":"Alan Smith","startTime":878.7,"endTime":882.81,"body":"this fund is this range of funds"},{"speaker":"Alan Smith","startTime":882.84,"endTime":886.5,"body":"is it value for money? And yeah,"},{"speaker":"Alan Smith","startTime":882.84,"endTime":886.5,"body":"happens to be Hargreaves"},{"speaker":"Alan Smith","startTime":886.5,"endTime":889.23,"body":"Lansdown one that I saw you I"},{"speaker":"Alan Smith","startTime":886.5,"endTime":889.23,"body":"could have chosen any one"},{"speaker":"Alan Smith","startTime":889.23,"endTime":896.85,"body":"frankly, but the one that came"},{"speaker":"Alan Smith","startTime":889.23,"endTime":896.85,"body":"out last week, but no sorry,"},{"speaker":"Andy Hart","startTime":897.3,"endTime":900.21,"body":"not one funder said"},{"speaker":"Andy Hart","startTime":897.3,"endTime":900.21,"body":"we're not value every single And"},{"speaker":"Andy Hart","startTime":900.21,"endTime":901.92,"body":"then airlines to be of value."},{"speaker":"Alan Smith","startTime":903.27,"endTime":905.91,"body":"I'm not singling"},{"speaker":"Alan Smith","startTime":903.27,"endTime":905.91,"body":"them out. It just happens to be"},{"speaker":"Alan Smith","startTime":905.94,"endTime":910.53,"body":"special situations fund over"},{"speaker":"Alan Smith","startTime":905.94,"endTime":910.53,"body":"five years they returned 21.49%"},{"speaker":"Alan Smith","startTime":910.59,"endTime":916.83,"body":"sector average as a sector all"},{"speaker":"Alan Smith","startTime":910.59,"endTime":916.83,"body":"other active funds 54.21. So 21%"},{"speaker":"Alan Smith","startTime":916.83,"endTime":921.42,"body":"versus 54. The strategic assets"},{"speaker":"Alan Smith","startTime":916.83,"endTime":921.42,"body":"fund over three years"},{"speaker":"Alan Smith","startTime":921.45,"endTime":926.31,"body":"Hargreaves, Lansdown 4.99 The"},{"speaker":"Alan Smith","startTime":921.45,"endTime":926.31,"body":"sector 12.37 and over five"},{"speaker":"Alan Smith","startTime":926.31,"endTime":932.49,"body":"years, Hargreaves Lansdown, 9.65"},{"speaker":"Alan Smith","startTime":926.31,"endTime":932.49,"body":"sector average 26%. So the"},{"speaker":"Alan Smith","startTime":932.49,"endTime":936.3,"body":"generally underperforming by"},{"speaker":"Alan Smith","startTime":932.49,"endTime":936.3,"body":"about two thirds, the sector is"},{"speaker":"Alan Smith","startTime":936.3,"endTime":939.51,"body":"doing sort of two to three times"},{"speaker":"Alan Smith","startTime":936.3,"endTime":939.51,"body":"over the exactly the same period"},{"speaker":"Alan Smith","startTime":939.51,"endTime":942.6,"body":"and the same sector, the return."},{"speaker":"Alan Smith","startTime":939.51,"endTime":942.6,"body":"So they all sit around and say,"},{"speaker":"Alan Smith","startTime":942.63,"endTime":944.79,"body":"right, boys and girls, is this"},{"speaker":"Alan Smith","startTime":942.63,"endTime":944.79,"body":"value for money to our"},{"speaker":"Alan Smith","startTime":944.79,"endTime":948.24,"body":"consumers, our customers. Yep,"},{"speaker":"Alan Smith","startTime":944.79,"endTime":948.24,"body":"of course, tick the box. No, I"},{"speaker":"Alan Smith","startTime":948.24,"endTime":950.64,"body":"know, there's more than one"},{"speaker":"Alan Smith","startTime":948.24,"endTime":950.64,"body":"thing and performance, but"},{"speaker":"Alan Smith","startTime":950.64,"endTime":954.3,"body":"really, to an investor, what"},{"speaker":"Alan Smith","startTime":950.64,"endTime":954.3,"body":"counts for more than the actual"},{"speaker":"Alan Smith","startTime":954.3,"endTime":957.12,"body":"returns are my assets and"},{"speaker":"Alan Smith","startTime":954.3,"endTime":957.12,"body":"investments that you're giving"},{"speaker":"Alan Smith","startTime":957.12,"endTime":960.72,"body":"me. So the whole thing, and it"},{"speaker":"Alan Smith","startTime":957.12,"endTime":960.72,"body":"just concerns me when you think"},{"speaker":"Alan Smith","startTime":960.72,"endTime":963.15,"body":"about and without dragging back"},{"speaker":"Alan Smith","startTime":960.72,"endTime":963.15,"body":"consumer duty in all the"},{"speaker":"Alan Smith","startTime":963.15,"endTime":965.82,"body":"regulations that we've got me go"},{"speaker":"Alan Smith","startTime":963.15,"endTime":965.82,"body":"back a few years to treating"},{"speaker":"Alan Smith","startTime":965.82,"endTime":969.06,"body":"customers fairly and not"},{"speaker":"Alan Smith","startTime":965.82,"endTime":969.06,"body":"providing any barriers to exit,"},{"speaker":"Alan Smith","startTime":969.06,"endTime":971.58,"body":"someone wants to change their"},{"speaker":"Alan Smith","startTime":969.06,"endTime":971.58,"body":"mind. And big providers are"},{"speaker":"Alan Smith","startTime":971.58,"endTime":975.45,"body":"still got exit penalties. I just"},{"speaker":"Alan Smith","startTime":971.58,"endTime":975.45,"body":"honestly, I scratch my head, I"},{"speaker":"Alan Smith","startTime":975.45,"endTime":978.63,"body":"get frustrated to see these"},{"speaker":"Alan Smith","startTime":975.45,"endTime":978.63,"body":"things. And you can imagine the"},{"speaker":"Alan Smith","startTime":978.63,"endTime":981.15,"body":"amount of millions of pounds"},{"speaker":"Alan Smith","startTime":978.63,"endTime":981.15,"body":"spent on introducing this"},{"speaker":"Alan Smith","startTime":981.15,"endTime":984.03,"body":"legislation, and that they all"},{"speaker":"Alan Smith","startTime":981.15,"endTime":984.03,"body":"sit around and tick the boxes."},{"speaker":"Alan Smith","startTime":984.03,"endTime":986.7,"body":"So yeah, we're fine, great value"},{"speaker":"Alan Smith","startTime":984.03,"endTime":986.7,"body":"for money. We're underperforming"},{"speaker":"Alan Smith","startTime":986.7,"endTime":988.5,"body":"our sector by 60%."},{"speaker":"Carl Widger","startTime":992.79,"endTime":996.33,"body":"I think we don't"},{"speaker":"Carl Widger","startTime":992.79,"endTime":996.33,"body":"have that particular regulation"},{"speaker":"Carl Widger","startTime":996.33,"endTime":999.6,"body":"in here. Thank God. But I think"},{"speaker":"Carl Widger","startTime":996.33,"endTime":999.6,"body":"we touched on this before guys"},{"speaker":"Carl Widger","startTime":999.6,"endTime":1004.43,"body":"that, you know, regulation is"},{"speaker":"Carl Widger","startTime":999.6,"endTime":1004.43,"body":"good overall, but regulatory"},{"speaker":"Carl Widger","startTime":1004.64,"endTime":1008.78,"body":"frameworks that are open to"},{"speaker":"Carl Widger","startTime":1004.64,"endTime":1008.78,"body":"marketing spin, which is"},{"speaker":"Carl Widger","startTime":1008.78,"endTime":1012.02,"body":"effectively what for what this"},{"speaker":"Carl Widger","startTime":1008.78,"endTime":1012.02,"body":"is. That's just not fit for"},{"speaker":"Carl Widger","startTime":1012.02,"endTime":1015.35,"body":"purpose. And that's someone"},{"speaker":"Carl Widger","startTime":1012.02,"endTime":1015.35,"body":"thinking something up one day on"},{"speaker":"Carl Widger","startTime":1015.35,"endTime":1018.59,"body":"a Monday morning, so no, yeah,"},{"speaker":"Carl Widger","startTime":1015.35,"endTime":1018.59,"body":"we should bring that in. And and"},{"speaker":"Carl Widger","startTime":1018.59,"endTime":1021.38,"body":"then, you know, we'll we'll"},{"speaker":"Carl Widger","startTime":1018.59,"endTime":1021.38,"body":"we'll roll it out to the fund"},{"speaker":"Carl Widger","startTime":1021.38,"endTime":1022.31,"body":"management industry."},{"speaker":"Alan Smith","startTime":1022.339,"endTime":1024.229,"body":"You know, the"},{"speaker":"Alan Smith","startTime":1022.339,"endTime":1024.229,"body":"biggest thing or two big,"},{"speaker":"Alan Smith","startTime":1024.259,"endTime":1027.139,"body":"biggest things that determine"},{"speaker":"Alan Smith","startTime":1024.259,"endTime":1027.139,"body":"which one has incentives,"},{"speaker":"Alan Smith","startTime":1027.139,"endTime":1029.989,"body":"where's the incentive to mark"},{"speaker":"Alan Smith","startTime":1027.139,"endTime":1029.989,"body":"this down saying this is not"},{"speaker":"Alan Smith","startTime":1030.109,"endTime":1034.519,"body":"value for money? And the other"},{"speaker":"Alan Smith","startTime":1030.109,"endTime":1034.519,"body":"is, is accountability. What"},{"speaker":"Alan Smith","startTime":1034.519,"endTime":1038.599,"body":"happened? What happens to anyone"},{"speaker":"Alan Smith","startTime":1034.519,"endTime":1038.599,"body":"who says this is good value? And"},{"speaker":"Alan Smith","startTime":1038.599,"endTime":1041.689,"body":"someone else says, Well, I don't"},{"speaker":"Alan Smith","startTime":1038.599,"endTime":1041.689,"body":"think it is how can you return?"},{"speaker":"Alan Smith","startTime":1041.959,"endTime":1046.159,"body":"You know, 4.4% versus 12%. And"},{"speaker":"Alan Smith","startTime":1041.959,"endTime":1046.159,"body":"see, this is good value. There's"},{"speaker":"Alan Smith","startTime":1046.159,"endTime":1048.799,"body":"no consequences, it would seem"},{"speaker":"Alan Smith","startTime":1046.159,"endTime":1048.799,"body":"to me anyway, I don't know"},{"speaker":"Alan Smith","startTime":1048.799,"endTime":1052.219,"body":"unless I've there's other things"},{"speaker":"Alan Smith","startTime":1048.799,"endTime":1052.219,"body":"yet to happen in the works that"},{"speaker":"Alan Smith","startTime":1052.219,"endTime":1054.079,"body":"have yet to come to fruition."},{"speaker":"Carl Widger","startTime":1054.53,"endTime":1058.07,"body":"Isn't isn't a"},{"speaker":"Carl Widger","startTime":1054.53,"endTime":1058.07,"body":"little bit out on like ESG funds"},{"speaker":"Carl Widger","startTime":1058.07,"endTime":1060.8,"body":"that you know, okay, there's,"},{"speaker":"Carl Widger","startTime":1058.07,"endTime":1060.8,"body":"there's frameworks and guidance"},{"speaker":"Carl Widger","startTime":1060.8,"endTime":1065.15,"body":"coming in now as to what, what"},{"speaker":"Carl Widger","startTime":1060.8,"endTime":1065.15,"body":"makes something Article Nine or"},{"speaker":"Carl Widger","startTime":1065.15,"endTime":1068.09,"body":"article eight or Article Six and"},{"speaker":"Carl Widger","startTime":1065.15,"endTime":1068.09,"body":"all agonise. Whereas here two,"},{"speaker":"Carl Widger","startTime":1068.09,"endTime":1071.75,"body":"four, it was just yeah, we've"},{"speaker":"Carl Widger","startTime":1068.09,"endTime":1071.75,"body":"decided it's ESG ready, so we're"},{"speaker":"Carl Widger","startTime":1071.75,"endTime":1075.74,"body":"gonna stick the ESG stamp on the"},{"speaker":"Carl Widger","startTime":1071.75,"endTime":1075.74,"body":"front of things. So again,"},{"speaker":"Carl Widger","startTime":1075.74,"endTime":1076.64,"body":"marketing spin."},{"speaker":"Alan Smith","startTime":1077.0,"endTime":1080.39,"body":"Well, we're here"},{"speaker":"Alan Smith","startTime":1077.0,"endTime":1080.39,"body":"boys as the kind of the barrier"},{"speaker":"Alan Smith","startTime":1080.39,"endTime":1083.48,"body":"to all this stuff. We're going"},{"speaker":"Alan Smith","startTime":1080.39,"endTime":1083.48,"body":"to shine a spotlight on these"},{"speaker":"Alan Smith","startTime":1083.48,"endTime":1087.2,"body":"things. disinfectant is the best"},{"speaker":"Alan Smith","startTime":1083.48,"endTime":1087.2,"body":"detergent."},{"speaker":"Nick Lincoln","startTime":1088.01,"endTime":1090.08,"body":"It is, it is"},{"speaker":"Nick Lincoln","startTime":1088.01,"endTime":1090.08,"body":"sunlight, lift up the rock and"},{"speaker":"Nick Lincoln","startTime":1090.08,"endTime":1093.02,"body":"look underneath it and the"},{"speaker":"Nick Lincoln","startTime":1090.08,"endTime":1093.02,"body":"little beetles scurrying away,"},{"speaker":"Nick Lincoln","startTime":1093.02,"endTime":1096.56,"body":"but enough about little beetles."},{"speaker":"Nick Lincoln","startTime":1093.02,"endTime":1096.56,"body":"We had a we had a Trappist get"},{"speaker":"Nick Lincoln","startTime":1096.56,"endTime":1099.98,"body":"together recently at the Royal"},{"speaker":"Nick Lincoln","startTime":1096.56,"endTime":1099.98,"body":"Oak pub in Marylebone to watch"},{"speaker":"Nick Lincoln","startTime":1099.98,"endTime":1104.06,"body":"the first Saturday of the Six"},{"speaker":"Nick Lincoln","startTime":1099.98,"endTime":1104.06,"body":"Nations. I can't remember who"},{"speaker":"Nick Lincoln","startTime":1104.06,"endTime":1104.54,"body":"won it's"},{"speaker":"Carl Widger","startTime":1105.2,"endTime":1107.72,"body":"really tournament"},{"speaker":"Carl Widger","startTime":1105.2,"endTime":1107.72,"body":"going. But we had"},{"speaker":"Alan Smith","startTime":1108.139,"endTime":1109.489,"body":"spent a few moments"},{"speaker":"Alan Smith","startTime":1108.139,"endTime":1109.489,"body":"talking."},{"speaker":"Nick Lincoln","startTime":1110.3,"endTime":1115.19,"body":"We had we had a"},{"speaker":"Nick Lincoln","startTime":1110.3,"endTime":1115.19,"body":"really good turnout of"},{"speaker":"Nick Lincoln","startTime":1115.28,"endTime":1117.86,"body":"Trappists. And we are overrun."},{"speaker":"Nick Lincoln","startTime":1115.28,"endTime":1117.86,"body":"But there were two people who,"},{"speaker":"Nick Lincoln","startTime":1118.19,"endTime":1122.87,"body":"whose especially stood out. So"},{"speaker":"Nick Lincoln","startTime":1118.19,"endTime":1122.87,"body":"I'm here in a pub with the"},{"speaker":"Nick Lincoln","startTime":1122.9,"endTime":1125.9,"body":"wonderful Ben Cordner, one of"},{"speaker":"Nick Lincoln","startTime":1122.9,"endTime":1125.9,"body":"the big TRAPPIST fans. Ben,"},{"speaker":"Nick Lincoln","startTime":1125.9,"endTime":1127.85,"body":"you're a big fan of the show."},{"speaker":"Nick Lincoln","startTime":1125.9,"endTime":1127.85,"body":"What have you got to say about"},{"speaker":"Nick Lincoln","startTime":1127.85,"endTime":1131.6,"body":"it? Love this show? I have to"},{"speaker":"Nick Lincoln","startTime":1127.85,"endTime":1131.6,"body":"say it's probably the least"},{"speaker":"Nick Lincoln","startTime":1131.6,"endTime":1134.81,"body":"worst option out of all of the"},{"speaker":"Nick Lincoln","startTime":1131.6,"endTime":1134.81,"body":"financial advisor podcast out"},{"speaker":"Nick Lincoln","startTime":1135.5,"endTime":1138.08,"body":"the least worst case? No, we"},{"speaker":"Nick Lincoln","startTime":1135.5,"endTime":1138.08,"body":"agree to say I paid you money"},{"speaker":"Nick Lincoln","startTime":1138.08,"endTime":1141.41,"body":"because I've stopped this right"},{"speaker":"Nick Lincoln","startTime":1138.08,"endTime":1141.41,"body":"now. And also, we were joined by"},{"speaker":"Nick Lincoln","startTime":1141.41,"endTime":1147.17,"body":"a very fresh faced young man by"},{"speaker":"Nick Lincoln","startTime":1141.41,"endTime":1147.17,"body":"the name of Tom Sims. So I'm"},{"speaker":"Nick Lincoln","startTime":1147.17,"endTime":1150.89,"body":"here with Tom Sims from first"},{"speaker":"Nick Lincoln","startTime":1147.17,"endTime":1150.89,"body":"wealth. One of the one of the"},{"speaker":"Nick Lincoln","startTime":1150.89,"endTime":1153.83,"body":"best practices in the London"},{"speaker":"Nick Lincoln","startTime":1150.89,"endTime":1153.83,"body":"probably the best practice in"},{"speaker":"Nick Lincoln","startTime":1153.83,"endTime":1157.01,"body":"London, some would say, maybe"},{"speaker":"Nick Lincoln","startTime":1153.83,"endTime":1157.01,"body":"not Alan Smith. Tom is new to"},{"speaker":"Nick Lincoln","startTime":1157.01,"endTime":1158.87,"body":"our profession. Tom, you're"},{"speaker":"Nick Lincoln","startTime":1157.01,"endTime":1158.87,"body":"listening to the real advisor"},{"speaker":"Nick Lincoln","startTime":1158.87,"endTime":1161.78,"body":"podcast. Be honest about it."},{"speaker":"Nick Lincoln","startTime":1158.87,"endTime":1161.78,"body":"What do you think"},{"speaker":"Unknown","startTime":1162.379,"endTime":1165.619,"body":"is great as someone new"},{"speaker":"Unknown","startTime":1162.379,"endTime":1165.619,"body":"to the profession, it's great to"},{"speaker":"Unknown","startTime":1166.069,"endTime":1169.189,"body":"hear about people who've got so"},{"speaker":"Unknown","startTime":1166.069,"endTime":1169.189,"body":"much experience really just"},{"speaker":"Unknown","startTime":1169.339,"endTime":1172.339,"body":"telling people you know, the ins"},{"speaker":"Unknown","startTime":1169.339,"endTime":1172.339,"body":"and outs and what they truly"},{"speaker":"Unknown","startTime":1172.339,"endTime":1176.419,"body":"think there's no no BS and yeah,"},{"speaker":"Unknown","startTime":1172.339,"endTime":1176.419,"body":"it's great and I love it. And"},{"speaker":"Unknown","startTime":1176.449,"endTime":1179.629,"body":"yeah, it's probably the best the"},{"speaker":"Unknown","startTime":1176.449,"endTime":1179.629,"body":"best advice podcast I've"},{"speaker":"Unknown","startTime":1179.629,"endTime":1180.979,"body":"listened to so far. For sure."},{"speaker":"Nick Lincoln","startTime":1181.07,"endTime":1184.1,"body":"Okay, well, we'll"},{"speaker":"Nick Lincoln","startTime":1181.07,"endTime":1184.1,"body":"take out the probably told me on"},{"speaker":"Nick Lincoln","startTime":1184.1,"endTime":1185.45,"body":"Twitter, what's your Twitter"},{"speaker":"Nick Lincoln","startTime":1184.1,"endTime":1185.45,"body":"handle?"},{"speaker":"Unknown","startTime":1185.84,"endTime":1187.19,"body":"Is Thompson"},{"speaker":"Nick Lincoln","startTime":1188.63,"endTime":1189.47,"body":"Brilliant stuff."},{"speaker":"Nick Lincoln","startTime":1188.63,"endTime":1189.47,"body":"Thank you."},{"speaker":"Carl Widger","startTime":1190.97,"endTime":1194.69,"body":"Can I just jump in"},{"speaker":"Carl Widger","startTime":1190.97,"endTime":1194.69,"body":"there? I've had to block Tom"},{"speaker":"Carl Widger","startTime":1194.69,"endTime":1197.06,"body":"unfortunately on Twitter because"},{"speaker":"Carl Widger","startTime":1194.69,"endTime":1197.06,"body":"he tweeted out that it was"},{"speaker":"Carl Widger","startTime":1197.06,"endTime":1201.29,"body":"fantastic to meet you all, and"},{"speaker":"Carl Widger","startTime":1197.06,"endTime":1201.29,"body":"you're all total Gentlemen, Tom,"},{"speaker":"Carl Widger","startTime":1201.29,"endTime":1202.19,"body":"I wasn't there."},{"speaker":"Nick Lincoln","startTime":1203.689,"endTime":1208.849,"body":"I think that's why"},{"speaker":"Nick Lincoln","startTime":1203.689,"endTime":1208.849,"body":"it was fantastic. Just Tom Sims"},{"speaker":"Nick Lincoln","startTime":1208.849,"endTime":1212.119,"body":"is one of these poor solids with"},{"speaker":"Nick Lincoln","startTime":1208.849,"endTime":1212.119,"body":"a surname that's a car crash. So"},{"speaker":"Nick Lincoln","startTime":1212.119,"endTime":1215.059,"body":"if you want to find him on"},{"speaker":"Nick Lincoln","startTime":1212.119,"endTime":1215.059,"body":"Twitter, he's at Tom Sims is"},{"speaker":"Nick Lincoln","startTime":1215.059,"endTime":1220.159,"body":"spelled s Sierra Yankee mother,"},{"speaker":"Nick Lincoln","startTime":1215.059,"endTime":1220.159,"body":"Sierra, Sierra. I mean, that's"},{"speaker":"Nick Lincoln","startTime":1220.159,"endTime":1223.369,"body":"just abysmal. Ben Cordner is as"},{"speaker":"Nick Lincoln","startTime":1220.159,"endTime":1223.369,"body":"you say, it's so you can find"},{"speaker":"Nick Lincoln","startTime":1223.369,"endTime":1226.039,"body":"both those guys on on Twitter"},{"speaker":"Nick Lincoln","startTime":1223.369,"endTime":1226.039,"body":"and they were we were there were"},{"speaker":"Nick Lincoln","startTime":1226.039,"endTime":1228.769,"body":"so many Trappists there we run a"},{"speaker":"Nick Lincoln","startTime":1226.039,"endTime":1228.769,"body":"very highly organized"},{"speaker":"Nick Lincoln","startTime":1229.009,"endTime":1231.649,"body":"competition and it was Ben and"},{"speaker":"Nick Lincoln","startTime":1229.009,"endTime":1231.649,"body":"Tom and all the hundreds that"},{"speaker":"Nick Lincoln","startTime":1231.649,"endTime":1234.649,"body":"were there that one a couple of"},{"speaker":"Nick Lincoln","startTime":1231.649,"endTime":1234.649,"body":"symptom traps swag, they were"},{"speaker":"Nick Lincoln","startTime":1234.649,"endTime":1235.309,"body":"event"},{"speaker":"Alan Smith","startTime":1235.58,"endTime":1239.51,"body":"lovely event. Match"},{"speaker":"Alan Smith","startTime":1235.58,"endTime":1239.51,"body":"water match. I mean that"},{"speaker":"Nick Lincoln","startTime":1240.11,"endTime":1241.58,"body":"Yeah, I think we"},{"speaker":"Nick Lincoln","startTime":1240.11,"endTime":1241.58,"body":"could talk about that. But let's"},{"speaker":"Nick Lincoln","startTime":1241.58,"endTime":1244.52,"body":"move on to the I think time is"},{"speaker":"Nick Lincoln","startTime":1241.58,"endTime":1244.52,"body":"time is flying by as we say that"},{"speaker":"Nick Lincoln","startTime":1244.52,"endTime":1247.55,"body":"was going on. And obviously"},{"speaker":"Nick Lincoln","startTime":1244.52,"endTime":1247.55,"body":"Scotland were well worth it"},{"speaker":"Nick Lincoln","startTime":1247.58,"endTime":1250.4,"body":"Scotland and well were both"},{"speaker":"Nick Lincoln","startTime":1247.58,"endTime":1250.4,"body":"their victories as have Island"},{"speaker":"Nick Lincoln","startTime":1250.43,"endTime":1253.76,"body":"and yeah, it's, it's it's"},{"speaker":"Nick Lincoln","startTime":1250.43,"endTime":1253.76,"body":"shaping up to be a great"},{"speaker":"Nick Lincoln","startTime":1253.76,"endTime":1257.24,"body":"tournament. So all the games so"},{"speaker":"Nick Lincoln","startTime":1253.76,"endTime":1257.24,"body":"far had something it's gonna be"},{"speaker":"Nick Lincoln","startTime":1257.24,"endTime":1262.52,"body":"big one so we're just thinking"},{"speaker":"Nick Lincoln","startTime":1257.24,"endTime":1262.52,"body":"why what we're doing in any in"},{"speaker":"Nick Lincoln","startTime":1262.52,"endTime":1263.09,"body":"any league,"},{"speaker":"Alan Smith","startTime":1263.27,"endTime":1265.28,"body":"at least there are"},{"speaker":"Alan Smith","startTime":1263.27,"endTime":1265.28,"body":"top seed for the World Cup later"},{"speaker":"Alan Smith","startTime":1265.28,"endTime":1267.95,"body":"this year. Welsh, can you"},{"speaker":"Alan Smith","startTime":1265.28,"endTime":1267.95,"body":"believe that? Tops?"},{"speaker":"Nick Lincoln","startTime":1268.61,"endTime":1270.17,"body":"Well, the seeding"},{"speaker":"Nick Lincoln","startTime":1268.61,"endTime":1270.17,"body":"has to be done at some stage. I"},{"speaker":"Nick Lincoln","startTime":1270.17,"endTime":1271.07,"body":"know it does seem now."},{"speaker":"Carl Widger","startTime":1272.63,"endTime":1273.35,"body":"Qualified"},{"speaker":"Andy Hart","startTime":1273.35,"endTime":1274.88,"body":"number one, see,"},{"speaker":"Andy Hart","startTime":1273.35,"endTime":1274.88,"body":"darlin, wow,"},{"speaker":"Alan Smith","startTime":1275.3,"endTime":1276.95,"body":"not number one."},{"speaker":"Alan Smith","startTime":1275.3,"endTime":1276.95,"body":"There's, there's this there's a"},{"speaker":"Alan Smith","startTime":1276.98,"endTime":1280.13,"body":"group of numbers. They're all"},{"speaker":"Alan Smith","startTime":1276.98,"endTime":1280.13,"body":"seated in different 1234."},{"speaker":"Alan Smith","startTime":1280.4,"endTime":1283.94,"body":"Scotland a third level? We've"},{"speaker":"Alan Smith","startTime":1280.4,"endTime":1283.94,"body":"got Ireland and South Africa in"},{"speaker":"Alan Smith","startTime":1283.94,"endTime":1284.42,"body":"our group."},{"speaker":"Carl Widger","startTime":1285.02,"endTime":1287.48,"body":"Yeah. And then the"},{"speaker":"Carl Widger","startTime":1285.02,"endTime":1287.48,"body":"other group then is France and"},{"speaker":"Carl Widger","startTime":1287.48,"endTime":1293.78,"body":"New Zealand. So to have Ireland,"},{"speaker":"Carl Widger","startTime":1287.48,"endTime":1293.78,"body":"South Africa, New Zealand,"},{"speaker":"Carl Widger","startTime":1293.78,"endTime":1297.26,"body":"France and Scotland, only two"},{"speaker":"Carl Widger","startTime":1293.78,"endTime":1297.26,"body":"can go through. So it's"},{"speaker":"Alan Smith","startTime":1298.73,"endTime":1301.91,"body":"gives gives England"},{"speaker":"Alan Smith","startTime":1298.73,"endTime":1301.91,"body":"the usual easy route through"},{"speaker":"Carl Widger","startTime":1301.97,"endTime":1306.56,"body":"Yeah. England and"},{"speaker":"Carl Widger","startTime":1301.97,"endTime":1306.56,"body":"Australia. Yeah, it will walk"},{"speaker":"Andy Hart","startTime":1306.56,"endTime":1307.91,"body":"into another final as"},{"speaker":"Andy Hart","startTime":1306.56,"endTime":1307.91,"body":"usual."},{"speaker":"Carl Widger","startTime":1309.23,"endTime":1313.04,"body":"As you Yeah, we"},{"speaker":"Carl Widger","startTime":1309.23,"endTime":1313.04,"body":"usually see Andrew, we shall"},{"speaker":"Carl Widger","startTime":1313.04,"endTime":1320.36,"body":"see. We're not picking up any"},{"speaker":"Carl Widger","startTime":1313.04,"endTime":1320.36,"body":"focus and drop down. I even you"},{"speaker":"Carl Widger","startTime":1320.39,"endTime":1323.42,"body":"aren't confident enough to put"},{"speaker":"Carl Widger","startTime":1320.39,"endTime":1323.42,"body":"that one up there now know why"},{"speaker":"Nick Lincoln","startTime":1323.929,"endTime":1325.309,"body":"we are going to"},{"speaker":"Nick Lincoln","startTime":1323.929,"endTime":1325.309,"body":"win the World Cup. You heard it"},{"speaker":"Nick Lincoln","startTime":1325.309,"endTime":1326.509,"body":"here first. Right?"},{"speaker":"Alan Smith","startTime":1327.59,"endTime":1329.78,"body":"We'll do that. We'll"},{"speaker":"Alan Smith","startTime":1327.59,"endTime":1329.78,"body":"do that again. Maybe next year,"},{"speaker":"Alan Smith","startTime":1329.78,"endTime":1332.48,"body":"we'll have another event. And"},{"speaker":"Alan Smith","startTime":1329.78,"endTime":1332.48,"body":"we'll get called to attend the"},{"speaker":"Alan Smith","startTime":1332.48,"endTime":1334.61,"body":"next one another trap get"},{"speaker":"Alan Smith","startTime":1332.48,"endTime":1334.61,"body":"together is"},{"speaker":"Nick Lincoln","startTime":1337.1,"endTime":1339.05,"body":"a bigger venue"},{"speaker":"Nick Lincoln","startTime":1337.1,"endTime":1339.05,"body":"because we weren't we just say"},{"speaker":"Nick Lincoln","startTime":1339.05,"endTime":1343.43,"body":"we were so around with"},{"speaker":"Nick Lincoln","startTime":1339.05,"endTime":1343.43,"body":"Trappists. Right? Let's move on"},{"speaker":"Nick Lincoln","startTime":1343.43,"endTime":1346.73,"body":"to the meat and potatoes"},{"speaker":"Nick Lincoln","startTime":1343.43,"endTime":1346.73,"body":"gentleman. And Carl, you're"},{"speaker":"Nick Lincoln","startTime":1346.73,"endTime":1350.93,"body":"going to talk to us about many"},{"speaker":"Nick Lincoln","startTime":1346.73,"endTime":1350.93,"body":"things about the third act about"},{"speaker":"Nick Lincoln","startTime":1351.08,"endTime":1354.05,"body":"physical and mental fitness. My"},{"speaker":"Nick Lincoln","startTime":1351.08,"endTime":1354.05,"body":"friend, the floor is yours."},{"speaker":"Nick Lincoln","startTime":1354.5,"endTime":1355.61,"body":"Thank you. Yeah."},{"speaker":"Carl Widger","startTime":1357.92,"endTime":1361.49,"body":"We touched on this"},{"speaker":"Carl Widger","startTime":1357.92,"endTime":1361.49,"body":"before, guys, and we're planning"},{"speaker":"Carl Widger","startTime":1361.49,"endTime":1365.06,"body":"our second version of our future"},{"speaker":"Carl Widger","startTime":1361.49,"endTime":1365.06,"body":"U of M. So it's kind of fresh in"},{"speaker":"Carl Widger","startTime":1365.06,"endTime":1369.35,"body":"my mind. And and we're trying to"},{"speaker":"Carl Widger","startTime":1365.06,"endTime":1369.35,"body":"create the agenda for the couple"},{"speaker":"Carl Widger","startTime":1369.35,"endTime":1372.38,"body":"of days, and all of that kind of"},{"speaker":"Carl Widger","startTime":1369.35,"endTime":1372.38,"body":"stuff. And it's come up in a"},{"speaker":"Carl Widger","startTime":1372.38,"endTime":1375.86,"body":"couple of client meetings"},{"speaker":"Carl Widger","startTime":1372.38,"endTime":1375.86,"body":"recently, whereby we've people"},{"speaker":"Carl Widger","startTime":1375.86,"endTime":1379.31,"body":"who are selling businesses, and"},{"speaker":"Carl Widger","startTime":1375.86,"endTime":1379.31,"body":"are retiring and maybe passing"},{"speaker":"Carl Widger","startTime":1379.31,"endTime":1385.04,"body":"business on or whatever. And a"},{"speaker":"Carl Widger","startTime":1379.31,"endTime":1385.04,"body":"couple of times, despite our"},{"speaker":"Carl Widger","startTime":1385.04,"endTime":1388.31,"body":"best efforts along the way, you"},{"speaker":"Carl Widger","startTime":1385.04,"endTime":1388.31,"body":"know, when you ask what are the"},{"speaker":"Carl Widger","startTime":1388.31,"endTime":1394.43,"body":"plans, the client doesn't know."},{"speaker":"Carl Widger","startTime":1388.31,"endTime":1394.43,"body":"You know, and I think it's, it's"},{"speaker":"Carl Widger","startTime":1394.85,"endTime":1398.78,"body":"so, so important. 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And when it's gone, it's"},{"speaker":"Carl Widger","startTime":1435.23,"endTime":1438.59,"body":"gone. And you might have a big"},{"speaker":"Carl Widger","startTime":1435.23,"endTime":1438.59,"body":"bank balance afterwards. But a"},{"speaker":"Carl Widger","startTime":1438.59,"endTime":1442.76,"body":"big balance bank balance"},{"speaker":"Carl Widger","startTime":1438.59,"endTime":1442.76,"body":"afterwards isn't much use to you"},{"speaker":"Carl Widger","startTime":1442.76,"endTime":1445.85,"body":"if you don't know what your"},{"speaker":"Carl Widger","startTime":1442.76,"endTime":1445.85,"body":"purpose is going to be. Once"},{"speaker":"Carl Widger","startTime":1445.85,"endTime":1449.3,"body":"you've gotten through that"},{"speaker":"Carl Widger","startTime":1445.85,"endTime":1449.3,"body":"transaction, shall we say, and I"},{"speaker":"Carl Widger","startTime":1449.3,"endTime":1453.14,"body":"think work around. And I think"},{"speaker":"Carl Widger","startTime":1449.3,"endTime":1453.14,"body":"it's really important that"},{"speaker":"Carl Widger","startTime":1453.17,"endTime":1456.02,"body":"couples do this together, work"},{"speaker":"Carl Widger","startTime":1453.17,"endTime":1456.02,"body":"around what your values are,"},{"speaker":"Carl Widger","startTime":1456.02,"endTime":1459.29,"body":"what's important to you. And,"},{"speaker":"Carl Widger","startTime":1456.02,"endTime":1459.29,"body":"you know, we can all talk about"},{"speaker":"Carl Widger","startTime":1459.32,"endTime":1462.83,"body":"bucket list items and goals and"},{"speaker":"Carl Widger","startTime":1459.32,"endTime":1462.83,"body":"dreams and aspirations. 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And"},{"speaker":"Carl Widger","startTime":1470.99,"endTime":1474.65,"body":"you know, a lot of our clients"},{"speaker":"Carl Widger","startTime":1474.65,"endTime":1477.35,"body":"are coming in they're talking"},{"speaker":"Carl Widger","startTime":1474.65,"endTime":1477.35,"body":"they're very focused on the"},{"speaker":"Carl Widger","startTime":1477.35,"endTime":1482.15,"body":"finances and, and yeah, loosely,"},{"speaker":"Carl Widger","startTime":1477.35,"endTime":1482.15,"body":"you might be saying, Yeah, you"},{"speaker":"Carl Widger","startTime":1482.15,"endTime":1485.99,"body":"know, real wealth is gonna allow"},{"speaker":"Carl Widger","startTime":1482.15,"endTime":1485.99,"body":"me do the things that I want to"},{"speaker":"Carl Widger","startTime":1485.99,"endTime":1488.48,"body":"do with the people that I want"},{"speaker":"Carl Widger","startTime":1485.99,"endTime":1488.48,"body":"to do it with and when I wanted"},{"speaker":"Carl Widger","startTime":1488.48,"endTime":1493.04,"body":"to do this, but it's to actually"},{"speaker":"Carl Widger","startTime":1488.48,"endTime":1493.04,"body":"talk about that's a lovely"},{"speaker":"Carl Widger","startTime":1493.04,"endTime":1497.33,"body":"statement to make. But give us"},{"speaker":"Carl Widger","startTime":1493.04,"endTime":1497.33,"body":"details, what does it look like"},{"speaker":"Carl Widger","startTime":1497.39,"endTime":1500.93,"body":"and start to talk about that and"},{"speaker":"Carl Widger","startTime":1497.39,"endTime":1500.93,"body":"may Maybe it's you know,"},{"speaker":"Carl Widger","startTime":1500.99,"endTime":1505.25,"body":"upskilling or rescaling. 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And,"},{"speaker":"Carl Widger","startTime":1526.52,"endTime":1529.79,"body":"you know, even when we were"},{"speaker":"Carl Widger","startTime":1529.79,"endTime":1535.1,"body":"talking about the stuff earlier"},{"speaker":"Carl Widger","startTime":1529.79,"endTime":1535.1,"body":"on about different tax write"},{"speaker":"Carl Widger","startTime":1535.1,"endTime":1537.89,"body":"offs, or products, or what you"},{"speaker":"Carl Widger","startTime":1535.1,"endTime":1537.89,"body":"know, did, that's not what we're"},{"speaker":"Carl Widger","startTime":1537.89,"endTime":1544.01,"body":"about. 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So what's your"},{"speaker":"Carl Widger","startTime":1554.69,"endTime":1558.08,"body":"take on this? Have you kind of"},{"speaker":"Carl Widger","startTime":1554.69,"endTime":1558.08,"body":"insights from the interviews"},{"speaker":"Carl Widger","startTime":1558.08,"endTime":1560.99,"body":"that you've done, in terms of,"},{"speaker":"Carl Widger","startTime":1558.08,"endTime":1560.99,"body":"you know, what people should be"},{"speaker":"Carl Widger","startTime":1560.99,"endTime":1563.36,"body":"looking at? Or what the"},{"speaker":"Carl Widger","startTime":1560.99,"endTime":1563.36,"body":"experience was for"},{"speaker":"Carl Widger","startTime":1563.36,"endTime":1564.11,"body":"entrepreneurs?"},{"speaker":"Alan Smith","startTime":1594.3899999999999,"endTime":1596.85,"body":"Yeah, I think that's"},{"speaker":"Alan Smith","startTime":1594.3899999999999,"endTime":1596.85,"body":"a great subject. 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And it reflecting"},{"speaker":"Alan Smith","startTime":1654.24,"endTime":1658.26,"body":"back on it, you know, it's I've"},{"speaker":"Alan Smith","startTime":1654.24,"endTime":1658.26,"body":"done what 2021 22 episodes now."},{"speaker":"Alan Smith","startTime":1659.58,"endTime":1663.54,"body":"And some really stand out for"},{"speaker":"Alan Smith","startTime":1659.58,"endTime":1663.54,"body":"me, particularly on this subject"},{"speaker":"Alan Smith","startTime":1663.57,"endTime":1668.34,"body":"called there's, there's one"},{"speaker":"Alan Smith","startTime":1663.57,"endTime":1668.34,"body":"common episode five or six guy"},{"speaker":"Alan Smith","startTime":1668.34,"endTime":1672.51,"body":"called Mike Ames. And Mike was a"},{"speaker":"Alan Smith","startTime":1668.34,"endTime":1672.51,"body":"very successful he was in the"},{"speaker":"Alan Smith","startTime":1672.51,"endTime":1675.84,"body":"recruitment industry, built a"},{"speaker":"Alan Smith","startTime":1672.51,"endTime":1675.84,"body":"business kind of from scratch,"},{"speaker":"Alan Smith","startTime":1675.8999999999999,"endTime":1681.6299999999999,"body":"scaled it up significantly, and"},{"speaker":"Alan Smith","startTime":1675.8999999999999,"endTime":1681.6299999999999,"body":"sold it for, you know, a very"},{"speaker":"Alan Smith","startTime":1681.6299999999999,"endTime":1683.55,"body":"significant amount of money,"},{"speaker":"Alan Smith","startTime":1681.6299999999999,"endTime":1683.55,"body":"life changing amount of money,"},{"speaker":"Alan Smith","startTime":1683.55,"endTime":1686.22,"body":"such that he never needed to"},{"speaker":"Alan Smith","startTime":1683.55,"endTime":1686.22,"body":"work again, he was in his 40s at"},{"speaker":"Alan Smith","startTime":1686.22,"endTime":1691.02,"body":"the time, sold his business. And"},{"speaker":"Alan Smith","startTime":1686.22,"endTime":1691.02,"body":"as he says, he and what's"},{"speaker":"Alan Smith","startTime":1691.02,"endTime":1693.81,"body":"fascinating about this, these"},{"speaker":"Alan Smith","startTime":1691.02,"endTime":1693.81,"body":"podcasts interviews as people"},{"speaker":"Alan Smith","startTime":1693.84,"endTime":1699.21,"body":"are very, to my experience, kind"},{"speaker":"Alan Smith","startTime":1693.84,"endTime":1699.21,"body":"of surprisingly candid, they"},{"speaker":"Alan Smith","startTime":1699.21,"endTime":1701.49,"body":"really sort of bare their soul."},{"speaker":"Alan Smith","startTime":1699.21,"endTime":1701.49,"body":"And Mike did particularly"},{"speaker":"Alan Smith","startTime":1701.49,"endTime":1704.28,"body":"because Mike talked about going"},{"speaker":"Alan Smith","startTime":1701.49,"endTime":1704.28,"body":"into a you know, a very dark"},{"speaker":"Alan Smith","startTime":1704.28,"endTime":1707.94,"body":"place. You said so, so my"},{"speaker":"Alan Smith","startTime":1704.28,"endTime":1707.94,"body":"business had all the money I"},{"speaker":"Alan Smith","startTime":1707.94,"endTime":1711.21,"body":"would ever need the rest of my"},{"speaker":"Alan Smith","startTime":1707.94,"endTime":1711.21,"body":"life, and yet, almost kind of"},{"speaker":"Alan Smith","startTime":1711.24,"endTime":1714.18,"body":"couldn't get out of bed in the"},{"speaker":"Alan Smith","startTime":1711.24,"endTime":1714.18,"body":"morning. And a lot of it was"},{"speaker":"Alan Smith","startTime":1714.18,"endTime":1719.52,"body":"about identity. It was about"},{"speaker":"Alan Smith","startTime":1714.18,"endTime":1719.52,"body":"purpose. He again openly shares"},{"speaker":"Alan Smith","startTime":1719.52,"endTime":1723.93,"body":"on the on the conversation, he"},{"speaker":"Alan Smith","startTime":1719.52,"endTime":1723.93,"body":"had to get a therapy yet or"},{"speaker":"Alan Smith","startTime":1723.93,"endTime":1726.51,"body":"people sort of coaching him and"},{"speaker":"Alan Smith","startTime":1723.93,"endTime":1726.51,"body":"working with him. And of course,"},{"speaker":"Alan Smith","startTime":1726.51,"endTime":1728.67,"body":"everyone else would think, Oh,"},{"speaker":"Alan Smith","startTime":1726.51,"endTime":1728.67,"body":"you know, wish I had your"},{"speaker":"Alan Smith","startTime":1728.67,"endTime":1731.73,"body":"problems. You know, you're a"},{"speaker":"Alan Smith","startTime":1728.67,"endTime":1731.73,"body":"multimillionaire you no big"},{"speaker":"Alan Smith","startTime":1731.73,"endTime":1736.71,"body":"deal, you know, bring out the"},{"speaker":"Alan Smith","startTime":1731.73,"endTime":1736.71,"body":"smallest violin in the world to"},{"speaker":"Alan Smith","startTime":1736.71,"endTime":1740.6399999999999,"body":"play for you. But you know, as"},{"speaker":"Alan Smith","startTime":1736.71,"endTime":1740.6399999999999,"body":"they say, this shit is real. And"},{"speaker":"Alan Smith","startTime":1740.6399999999999,"endTime":1744.24,"body":"he really really struggled when"},{"speaker":"Alan Smith","startTime":1740.6399999999999,"endTime":1744.24,"body":"he talks about you know, the"},{"speaker":"Alan Smith","startTime":1744.24,"endTime":1747.99,"body":"things that are you talk about"},{"speaker":"Alan Smith","startTime":1744.24,"endTime":1747.99,"body":"identity was also activity if"},{"speaker":"Alan Smith","startTime":1747.99,"endTime":1751.44,"body":"you've literally got nothing to"},{"speaker":"Alan Smith","startTime":1747.99,"endTime":1751.44,"body":"do every day. It's almost kind"},{"speaker":"Alan Smith","startTime":1751.44,"endTime":1755.07,"body":"of comical in a way because"},{"speaker":"Alan Smith","startTime":1751.44,"endTime":1755.07,"body":"he's, he said, I had to spread"},{"speaker":"Alan Smith","startTime":1755.07,"endTime":1758.07,"body":"out my activities across the"},{"speaker":"Alan Smith","startTime":1755.07,"endTime":1758.07,"body":"week so much to do. A friend of"},{"speaker":"Alan Smith","startTime":1758.07,"endTime":1761.31,"body":"phoned me up and say, you want"},{"speaker":"Alan Smith","startTime":1758.07,"endTime":1761.31,"body":"to play golf on Friday, you said"},{"speaker":"Alan Smith","startTime":1761.31,"endTime":1764.1,"body":"and I'm getting my hair cut on"},{"speaker":"Alan Smith","startTime":1761.31,"endTime":1764.1,"body":"Friday Harburg about golf and"},{"speaker":"Alan Smith","startTime":1764.1,"endTime":1766.59,"body":"Tuesday because I didn't want to"},{"speaker":"Alan Smith","startTime":1764.1,"endTime":1766.59,"body":"do two things in the same day."},{"speaker":"Andy Hart","startTime":1767.97,"endTime":1771.42,"body":"That were kind of"},{"speaker":"Andy Hart","startTime":1767.97,"endTime":1771.42,"body":"comical, but"},{"speaker":"Alan Smith","startTime":1771.42,"endTime":1775.68,"body":"nevertheless quite"},{"speaker":"Alan Smith","startTime":1771.42,"endTime":1775.68,"body":"important. And in fact, the"},{"speaker":"Alan Smith","startTime":1775.68,"endTime":1779.1299999999999,"body":"conversation I've just had as a"},{"speaker":"Alan Smith","startTime":1775.68,"endTime":1779.1299999999999,"body":"lady in the US called Denise"},{"speaker":"Alan Smith","startTime":1779.1299999999999,"endTime":1781.92,"body":"Logan. And she's got a very"},{"speaker":"Alan Smith","startTime":1779.1299999999999,"endTime":1781.92,"body":"interesting background. She's"},{"speaker":"Alan Smith","startTime":1781.92,"endTime":1786.1499999999999,"body":"the latest episode that we just"},{"speaker":"Alan Smith","startTime":1781.92,"endTime":1786.1499999999999,"body":"went live last week. She is she"},{"speaker":"Alan Smith","startTime":1786.18,"endTime":1789.57,"body":"her original background is from"},{"speaker":"Alan Smith","startTime":1786.18,"endTime":1789.57,"body":"a mental health background and"},{"speaker":"Alan Smith","startTime":1789.57,"endTime":1790.02,"body":"then she"},{"speaker":"Unknown","startTime":1793.74,"endTime":1799.2,"body":"grab yourself a drink a"},{"speaker":"Unknown","startTime":1793.74,"endTime":1799.2,"body":"very long drink it Storytime"},{"speaker":"Unknown","startTime":1799.44,"endTime":1800.94,"body":"with Ellen Smith."},{"speaker":"Alan Smith","startTime":1804.57,"endTime":1806.3999999999999,"body":"Not for the first"},{"speaker":"Alan Smith","startTime":1804.57,"endTime":1806.3999999999999,"body":"time in your life your other"},{"speaker":"Alan Smith","startTime":1806.3999999999999,"endTime":1813.03,"body":"premature Nick. I've got a story"},{"speaker":"Alan Smith","startTime":1806.3999999999999,"endTime":1813.03,"body":"later. This isn't a story. This"},{"speaker":"Alan Smith","startTime":1813.03,"endTime":1817.08,"body":"is just sharing the conversation"},{"speaker":"Alan Smith","startTime":1813.03,"endTime":1817.08,"body":"I had with Denise last week he"},{"speaker":"Alan Smith","startTime":1817.08,"endTime":1819.99,"body":"was your mental health"},{"speaker":"Alan Smith","startTime":1817.08,"endTime":1819.99,"body":"professional qualified as a"},{"speaker":"Alan Smith","startTime":1819.99,"endTime":1825.18,"body":"lawyer built a law firm sold"},{"speaker":"Alan Smith","startTime":1819.99,"endTime":1825.18,"body":"that law firm in very tricky"},{"speaker":"Alan Smith","startTime":1825.18,"endTime":1829.05,"body":"circumstances did not make a"},{"speaker":"Alan Smith","startTime":1825.18,"endTime":1829.05,"body":"success of it. And she now she"},{"speaker":"Alan Smith","startTime":1829.83,"endTime":1833.97,"body":"she's Got a book called a"},{"speaker":"Alan Smith","startTime":1829.83,"endTime":1833.97,"body":"seller's journey, and she really"},{"speaker":"Alan Smith","startTime":1834.0,"endTime":1837.3899999999999,"body":"unpacks this whole thing and"},{"speaker":"Alan Smith","startTime":1834.0,"endTime":1837.3899999999999,"body":"loads, loads of experience, she"},{"speaker":"Alan Smith","startTime":1837.3899999999999,"endTime":1839.31,"body":"coaches business owners,"},{"speaker":"Alan Smith","startTime":1837.3899999999999,"endTime":1839.31,"body":"particularly in those going"},{"speaker":"Alan Smith","startTime":1839.31,"endTime":1843.03,"body":"through life transitions. And"},{"speaker":"Alan Smith","startTime":1839.31,"endTime":1843.03,"body":"it's just so interesting, you"},{"speaker":"Alan Smith","startTime":1843.03,"endTime":1846.1499999999999,"body":"know, she's made an entire"},{"speaker":"Alan Smith","startTime":1843.03,"endTime":1846.1499999999999,"body":"career out of this very complex,"},{"speaker":"Alan Smith","startTime":1846.18,"endTime":1849.1499999999999,"body":"difficult set of circumstances."},{"speaker":"Alan Smith","startTime":1846.18,"endTime":1849.1499999999999,"body":"And as you says, it's not just"},{"speaker":"Alan Smith","startTime":1849.1499999999999,"endTime":1851.19,"body":"about selling a business,"},{"speaker":"Alan Smith","startTime":1849.1499999999999,"endTime":1851.19,"body":"there's life transitions aren't"},{"speaker":"Alan Smith","startTime":1851.19,"endTime":1855.09,"body":"there could be a retirement, it"},{"speaker":"Alan Smith","startTime":1851.19,"endTime":1855.09,"body":"could be a divorce, it could be"},{"speaker":"Alan Smith","startTime":1856.35,"endTime":1859.47,"body":"someone passing away, there's a"},{"speaker":"Alan Smith","startTime":1856.35,"endTime":1859.47,"body":"number of just life experiences"},{"speaker":"Alan Smith","startTime":1859.47,"endTime":1862.44,"body":"going on, we are very much at"},{"speaker":"Alan Smith","startTime":1859.47,"endTime":1862.44,"body":"the forefront of we're doing our"},{"speaker":"Alan Smith","startTime":1862.44,"endTime":1866.82,"body":"jobs properly, we are the, you"},{"speaker":"Alan Smith","startTime":1862.44,"endTime":1866.82,"body":"know, in the for call inside the"},{"speaker":"Alan Smith","startTime":1866.82,"endTime":1870.1499999999999,"body":"families in a circle of trust,"},{"speaker":"Alan Smith","startTime":1866.82,"endTime":1870.1499999999999,"body":"you know, what things are being"},{"speaker":"Alan Smith","startTime":1870.1499999999999,"endTime":1872.79,"body":"shared with us aren't being"},{"speaker":"Alan Smith","startTime":1870.1499999999999,"endTime":1872.79,"body":"shared with the accountant, with"},{"speaker":"Alan Smith","startTime":1872.79,"endTime":1875.67,"body":"the lawyer with a lot of other"},{"speaker":"Alan Smith","startTime":1872.79,"endTime":1875.67,"body":"people. And I sometimes say, you"},{"speaker":"Alan Smith","startTime":1875.67,"endTime":1879.03,"body":"know, if there's a bereavement"},{"speaker":"Alan Smith","startTime":1875.67,"endTime":1879.03,"body":"in the family, sadly, whether"},{"speaker":"Alan Smith","startTime":1879.03,"endTime":1881.8799999999999,"body":"we're the first phone call,"},{"speaker":"Alan Smith","startTime":1879.03,"endTime":1881.8799999999999,"body":"after the family after the, you"},{"speaker":"Alan Smith","startTime":1881.8799999999999,"endTime":1884.28,"body":"know, the, the children, or"},{"speaker":"Alan Smith","startTime":1881.8799999999999,"endTime":1884.28,"body":"anyone else has been contacted,"},{"speaker":"Alan Smith","startTime":1884.46,"endTime":1886.68,"body":"who should we call next, we'll"},{"speaker":"Alan Smith","startTime":1884.46,"endTime":1886.68,"body":"call our financial planner,"},{"speaker":"Alan Smith","startTime":1886.68,"endTime":1890.28,"body":"because they know, they know the"},{"speaker":"Alan Smith","startTime":1886.68,"endTime":1890.28,"body":"kind of the financial parts in"},{"speaker":"Alan Smith","startTime":1890.31,"endTime":1892.74,"body":"the legal parts, but they also"},{"speaker":"Alan Smith","startTime":1890.31,"endTime":1892.74,"body":"know the family sort of"},{"speaker":"Alan Smith","startTime":1892.74,"endTime":1896.61,"body":"circumstances. So it's, it's an"},{"speaker":"Alan Smith","startTime":1892.74,"endTime":1896.61,"body":"interesting place to be. What"},{"speaker":"Alan Smith","startTime":1896.61,"endTime":1900.69,"body":"about you guys, any thoughts on"},{"speaker":"Alan Smith","startTime":1896.61,"endTime":1900.69,"body":"this kind of this third act, the"},{"speaker":"Alan Smith","startTime":1900.72,"endTime":1902.58,"body":"life transitions, where you"},{"speaker":"Alan Smith","startTime":1900.72,"endTime":1902.58,"body":"thought,"},{"speaker":"Nick Lincoln","startTime":1903.45,"endTime":1906.03,"body":"I'd just throw in"},{"speaker":"Nick Lincoln","startTime":1903.45,"endTime":1906.03,"body":"the bit about how we how, and I"},{"speaker":"Nick Lincoln","startTime":1906.03,"endTime":1907.77,"body":"think we have talked about this"},{"speaker":"Nick Lincoln","startTime":1906.03,"endTime":1907.77,"body":"previously. And that's okay,"},{"speaker":"Nick Lincoln","startTime":1907.77,"endTime":1910.3799999999999,"body":"because these things that we"},{"speaker":"Nick Lincoln","startTime":1907.77,"endTime":1910.3799999999999,"body":"talk about are evergreen, and we"},{"speaker":"Nick Lincoln","startTime":1910.3799999999999,"endTime":1912.0,"body":"talk about them repeatedly,"},{"speaker":"Nick Lincoln","startTime":1910.3799999999999,"endTime":1912.0,"body":"because we believe in them and"},{"speaker":"Nick Lincoln","startTime":1912.0,"endTime":1915.0,"body":"we live them the burden that we"},{"speaker":"Nick Lincoln","startTime":1912.0,"endTime":1915.0,"body":"carry as financial planners. And"},{"speaker":"Nick Lincoln","startTime":1915.0,"endTime":1917.1,"body":"again, I don't want the smallest"},{"speaker":"Nick Lincoln","startTime":1915.0,"endTime":1917.1,"body":"violin in the world, okay, we"},{"speaker":"Nick Lincoln","startTime":1917.1,"endTime":1919.32,"body":"love our work, and we're well"},{"speaker":"Nick Lincoln","startTime":1917.1,"endTime":1919.32,"body":"paid for it. And it gives us a"},{"speaker":"Nick Lincoln","startTime":1919.32,"endTime":1923.01,"body":"fantastic lifestyle. However, we"},{"speaker":"Nick Lincoln","startTime":1919.32,"endTime":1923.01,"body":"carry a lot on our shoulders,"},{"speaker":"Nick Lincoln","startTime":1923.31,"endTime":1927.1499999999999,"body":"figuratively. And as Alan said,"},{"speaker":"Nick Lincoln","startTime":1923.31,"endTime":1927.1499999999999,"body":"clients share stuff with us,"},{"speaker":"Nick Lincoln","startTime":1927.1499999999999,"endTime":1929.22,"body":"they would never share with"},{"speaker":"Nick Lincoln","startTime":1927.1499999999999,"endTime":1929.22,"body":"their accountants they would"},{"speaker":"Nick Lincoln","startTime":1929.22,"endTime":1931.8899999999999,"body":"never share with their"},{"speaker":"Nick Lincoln","startTime":1929.22,"endTime":1931.8899999999999,"body":"solicitors, but they'll share"},{"speaker":"Nick Lincoln","startTime":1931.8899999999999,"endTime":1935.67,"body":"them with us. And these"},{"speaker":"Nick Lincoln","startTime":1931.8899999999999,"endTime":1935.67,"body":"significant life events. You"},{"speaker":"Nick Lincoln","startTime":1935.67,"endTime":1938.43,"body":"know, this this the theme today"},{"speaker":"Nick Lincoln","startTime":1935.67,"endTime":1938.43,"body":"of what do you do when you've"},{"speaker":"Nick Lincoln","startTime":1938.43,"endTime":1942.06,"body":"sold and you got this great big"},{"speaker":"Nick Lincoln","startTime":1938.43,"endTime":1942.06,"body":"lump sum of money? Firstly,"},{"speaker":"Nick Lincoln","startTime":1942.06,"endTime":1944.28,"body":"you've got a human being who now"},{"speaker":"Nick Lincoln","startTime":1942.06,"endTime":1944.28,"body":"is thinking I want to play golf"},{"speaker":"Nick Lincoln","startTime":1944.28,"endTime":1945.81,"body":"on a Friday because when I get"},{"speaker":"Nick Lincoln","startTime":1944.28,"endTime":1945.81,"body":"my hair cut, that's I"},{"speaker":"Nick Lincoln","startTime":1945.81,"endTime":1950.1599999999999,"body":"desperately barren my diary. But"},{"speaker":"Nick Lincoln","startTime":1945.81,"endTime":1950.1599999999999,"body":"also they've given you, they've"},{"speaker":"Nick Lincoln","startTime":1950.1599999999999,"endTime":1953.34,"body":"given you their hard work in the"},{"speaker":"Nick Lincoln","startTime":1950.1599999999999,"endTime":1953.34,"body":"form of this lump sum of money."},{"speaker":"Nick Lincoln","startTime":1953.34,"endTime":1955.8,"body":"They're there three decades"},{"speaker":"Nick Lincoln","startTime":1953.34,"endTime":1955.8,"body":"worth of hard work is now yours."},{"speaker":"Nick Lincoln","startTime":1956.19,"endTime":1960.0,"body":"Don't screw this up. Alan Carr,"},{"speaker":"Nick Lincoln","startTime":1956.19,"endTime":1960.0,"body":"Addy, Nick, don't screw this up."},{"speaker":"Nick Lincoln","startTime":1961.32,"endTime":1966.06,"body":"And so if you imagine like a"},{"speaker":"Nick Lincoln","startTime":1961.32,"endTime":1966.06,"body":"Venn diagram, one circle is the"},{"speaker":"Nick Lincoln","startTime":1966.06,"endTime":1968.22,"body":"solicitor one circle is the"},{"speaker":"Nick Lincoln","startTime":1966.06,"endTime":1968.22,"body":"accountant. The one circle is"},{"speaker":"Nick Lincoln","startTime":1968.22,"endTime":1971.67,"body":"the advisor. But we are the only"},{"speaker":"Nick Lincoln","startTime":1968.22,"endTime":1971.67,"body":"one who overlaps in it. We know"},{"speaker":"Nick Lincoln","startTime":1971.67,"endTime":1975.18,"body":"the clients finances, the"},{"speaker":"Nick Lincoln","startTime":1971.67,"endTime":1975.18,"body":"counselor knows that great, we"},{"speaker":"Nick Lincoln","startTime":1975.18,"endTime":1977.22,"body":"know the client's legal"},{"speaker":"Nick Lincoln","startTime":1975.18,"endTime":1977.22,"body":"situation and their estate"},{"speaker":"Nick Lincoln","startTime":1977.22,"endTime":1980.6399999999999,"body":"planning. The solicitor has done"},{"speaker":"Nick Lincoln","startTime":1977.22,"endTime":1980.6399999999999,"body":"that. But it's just about no"},{"speaker":"Nick Lincoln","startTime":1980.6399999999999,"endTime":1983.43,"body":"anything else. We know their"},{"speaker":"Nick Lincoln","startTime":1980.6399999999999,"endTime":1983.43,"body":"finances, their estate planning."},{"speaker":"Nick Lincoln","startTime":1983.43,"endTime":1986.82,"body":"And then we also know their"},{"speaker":"Nick Lincoln","startTime":1983.43,"endTime":1986.82,"body":"their, their cash flow, their"},{"speaker":"Nick Lincoln","startTime":1986.85,"endTime":1990.3899999999999,"body":"money, fears, their family"},{"speaker":"Nick Lincoln","startTime":1986.85,"endTime":1990.3899999999999,"body":"situation around money, all the"},{"speaker":"Nick Lincoln","startTime":1990.3899999999999,"endTime":1994.08,"body":"other kinds of stuff. So we are,"},{"speaker":"Nick Lincoln","startTime":1990.3899999999999,"endTime":1994.08,"body":"we carry a lot. And I think"},{"speaker":"Nick Lincoln","startTime":1994.08,"endTime":1996.33,"body":"sometimes we just underestimate"},{"speaker":"Nick Lincoln","startTime":1994.08,"endTime":1996.33,"body":"how much we carry because we"},{"speaker":"Nick Lincoln","startTime":1996.33,"endTime":1999.12,"body":"have jobs that we enjoy on the"},{"speaker":"Nick Lincoln","startTime":1996.33,"endTime":1999.12,"body":"upside. But there's definitely a"},{"speaker":"Nick Lincoln","startTime":1999.1499999999999,"endTime":2002.42,"body":"subconscious toll that takes our"},{"speaker":"Nick Lincoln","startTime":1999.1499999999999,"endTime":2002.42,"body":"energy levels. I don't know if"},{"speaker":"Nick Lincoln","startTime":2002.57,"endTime":2004.73,"body":"Andy want to talk about that for"},{"speaker":"Nick Lincoln","startTime":2002.57,"endTime":2004.73,"body":"handing back to car."},{"speaker":"Andy Hart","startTime":2005.3899999999999,"endTime":2007.6399999999999,"body":"Yeah, I think the key"},{"speaker":"Andy Hart","startTime":2005.3899999999999,"endTime":2007.6399999999999,"body":"word there is transitions. And"},{"speaker":"Andy Hart","startTime":2007.67,"endTime":2010.8799999999999,"body":"Alan sort of spoke about it at"},{"speaker":"Andy Hart","startTime":2007.67,"endTime":2010.8799999999999,"body":"length. Yeah, clients go through"},{"speaker":"Andy Hart","startTime":2010.8799999999999,"endTime":2013.82,"body":"various transitions. And"},{"speaker":"Andy Hart","startTime":2010.8799999999999,"endTime":2013.82,"body":"sometimes they overlap. We"},{"speaker":"Andy Hart","startTime":2013.82,"endTime":2016.28,"body":"speaking about clients selling a"},{"speaker":"Andy Hart","startTime":2013.82,"endTime":2016.28,"body":"business and having a lump sum"},{"speaker":"Andy Hart","startTime":2016.28,"endTime":2019.28,"body":"of money, but I think I do my"},{"speaker":"Andy Hart","startTime":2016.28,"endTime":2019.28,"body":"best work with clients on the"},{"speaker":"Andy Hart","startTime":2019.28,"endTime":2022.46,"body":"approach to retirement, you"},{"speaker":"Andy Hart","startTime":2019.28,"endTime":2022.46,"body":"know, 10 years away from it, you"},{"speaker":"Andy Hart","startTime":2022.46,"endTime":2026.6,"body":"know, usually in their 50s,"},{"speaker":"Andy Hart","startTime":2022.46,"endTime":2026.6,"body":"they've got usually 120 months"},{"speaker":"Andy Hart","startTime":2026.6,"endTime":2028.9099999999999,"body":"left to potentially fix the"},{"speaker":"Andy Hart","startTime":2026.6,"endTime":2028.9099999999999,"body":"problem. And you know, they've"},{"speaker":"Andy Hart","startTime":2028.9099999999999,"endTime":2031.9099999999999,"body":"got expensive questions. Am I"},{"speaker":"Andy Hart","startTime":2028.9099999999999,"endTime":2031.9099999999999,"body":"going to be okay, am I saving"},{"speaker":"Andy Hart","startTime":2031.9099999999999,"endTime":2035.36,"body":"enough? You know, is the money"},{"speaker":"Andy Hart","startTime":2031.9099999999999,"endTime":2035.36,"body":"going to last? I'm a big fan of"},{"speaker":"Andy Hart","startTime":2035.36,"endTime":2038.45,"body":"the three questions that Mitch"},{"speaker":"Andy Hart","startTime":2035.36,"endTime":2038.45,"body":"Anthony talks to with clients."},{"speaker":"Andy Hart","startTime":2038.99,"endTime":2040.97,"body":"I'll just very quickly go"},{"speaker":"Andy Hart","startTime":2038.99,"endTime":2040.97,"body":"through now. So the first"},{"speaker":"Andy Hart","startTime":2040.97,"endTime":2043.1,"body":"question is, have you had"},{"speaker":"Andy Hart","startTime":2040.97,"endTime":2043.1,"body":"enough? And it's generally just"},{"speaker":"Andy Hart","startTime":2043.1,"endTime":2046.1599999999999,"body":"a question around their work and"},{"speaker":"Andy Hart","startTime":2043.1,"endTime":2046.1599999999999,"body":"business? Have you had enough of"},{"speaker":"Andy Hart","startTime":2046.76,"endTime":2049.4300000000003,"body":"going into the office or doing"},{"speaker":"Andy Hart","startTime":2046.76,"endTime":2049.4300000000003,"body":"whatever it is? You do? So have"},{"speaker":"Andy Hart","startTime":2049.4300000000003,"endTime":2052.13,"body":"you had enough? That's the first"},{"speaker":"Andy Hart","startTime":2049.4300000000003,"endTime":2052.13,"body":"question. People usually answer"},{"speaker":"Andy Hart","startTime":2052.13,"endTime":2054.92,"body":"that. You know, pretty pretty,"},{"speaker":"Andy Hart","startTime":2052.13,"endTime":2054.92,"body":"definitively. The next question"},{"speaker":"Andy Hart","startTime":2054.92,"endTime":2058.58,"body":"is, have you got enough? And"},{"speaker":"Andy Hart","startTime":2054.92,"endTime":2058.58,"body":"that's a financial question. You"},{"speaker":"Andy Hart","startTime":2058.58,"endTime":2061.1,"body":"know, have you got enough? Will"},{"speaker":"Andy Hart","startTime":2058.58,"endTime":2061.1,"body":"the money outlast you? That's"},{"speaker":"Andy Hart","startTime":2107.21,"endTime":2110.42,"body":"the key. Next question. They"},{"speaker":"Andy Hart","startTime":2107.21,"endTime":2110.42,"body":"obviously then say, that's what"},{"speaker":"Andy Hart","startTime":2110.42,"endTime":2112.67,"body":"I hoped you're going to help me"},{"speaker":"Andy Hart","startTime":2110.42,"endTime":2112.67,"body":"out with. And then the third"},{"speaker":"Andy Hart","startTime":2112.67,"endTime":2115.55,"body":"question is, do you have enough"},{"speaker":"Andy Hart","startTime":2112.67,"endTime":2115.55,"body":"to do, which again, we've"},{"speaker":"Andy Hart","startTime":2115.67,"endTime":2117.89,"body":"touched upon today, and that's"},{"speaker":"Andy Hart","startTime":2115.67,"endTime":2117.89,"body":"usually the one that sort of"},{"speaker":"Andy Hart","startTime":2117.89,"endTime":2120.38,"body":"hits them the hardest? And I"},{"speaker":"Andy Hart","startTime":2117.89,"endTime":2120.38,"body":"think, yeah, my identity is"},{"speaker":"Andy Hart","startTime":2120.38,"endTime":2123.05,"body":"going to be last, you know,"},{"speaker":"Andy Hart","startTime":2120.38,"endTime":2123.05,"body":"Friday, I've got sort of"},{"speaker":"Andy Hart","startTime":2123.05,"endTime":2126.74,"body":"responsibility when I'm looking"},{"speaker":"Andy Hart","startTime":2123.05,"endTime":2126.74,"body":"after teams and you know, I've"},{"speaker":"Andy Hart","startTime":2126.74,"endTime":2129.29,"body":"got an important role or"},{"speaker":"Andy Hart","startTime":2126.74,"endTime":2129.29,"body":"whatever and on Monday, I can't"},{"speaker":"Andy Hart","startTime":2129.29,"endTime":2132.44,"body":"get a plumber to turn up you"},{"speaker":"Andy Hart","startTime":2129.29,"endTime":2132.44,"body":"know, you know, their identities"},{"speaker":"Andy Hart","startTime":2132.44,"endTime":2134.6,"body":"gone. So that's the thing that"},{"speaker":"Andy Hart","startTime":2132.44,"endTime":2134.6,"body":"they fear the most, I think,"},{"speaker":"Andy Hart","startTime":2135.08,"endTime":2135.7999999999997,"body":"overdue call."},{"speaker":"Carl Widger","startTime":2137.6,"endTime":2140.24,"body":"Yeah, look, I think"},{"speaker":"Carl Widger","startTime":2137.6,"endTime":2140.24,"body":"all like that. That's great"},{"speaker":"Carl Widger","startTime":2140.24,"endTime":2144.62,"body":"stuff. I do think Nick, just on"},{"speaker":"Carl Widger","startTime":2140.24,"endTime":2144.62,"body":"your point about the you know,"},{"speaker":"Carl Widger","startTime":2144.62,"endTime":2149.12,"body":"that we do have we carry a"},{"speaker":"Carl Widger","startTime":2144.62,"endTime":2149.12,"body":"burden or whatever I am, I get"},{"speaker":"Carl Widger","startTime":2149.12,"endTime":2152.87,"body":"it, that it's very serious the"},{"speaker":"Carl Widger","startTime":2149.12,"endTime":2152.87,"body":"role that we play, very"},{"speaker":"Carl Widger","startTime":2152.87,"endTime":2157.0099999999998,"body":"important, and that people do"},{"speaker":"Carl Widger","startTime":2152.87,"endTime":2157.0099999999998,"body":"Lean on us. However, if you're"},{"speaker":"Carl Widger","startTime":2157.0099999999998,"endTime":2162.74,"body":"really into real financial"},{"speaker":"Carl Widger","startTime":2157.0099999999998,"endTime":2162.74,"body":"planning that's what I get my"},{"speaker":"Carl Widger","startTime":2162.74,"endTime":2165.29,"body":"buzz out of us most of what I'm"},{"speaker":"Carl Widger","startTime":2162.74,"endTime":2165.29,"body":"trying to say right, it's I have"},{"speaker":"Carl Widger","startTime":2165.29,"endTime":2168.77,"body":"a real impact on people's lives."},{"speaker":"Carl Widger","startTime":2165.29,"endTime":2168.77,"body":"So therefore, it doesn't almost"},{"speaker":"Carl Widger","startTime":2168.77,"endTime":2173.63,"body":"feel like a burden. Albeit it is"},{"speaker":"Carl Widger","startTime":2168.77,"endTime":2173.63,"body":"really important. But if I can,"},{"speaker":"Carl Widger","startTime":2173.66,"endTime":2179.3599999999997,"body":"if I can, maybe am I elaborate"},{"speaker":"Carl Widger","startTime":2173.66,"endTime":2179.3599999999997,"body":"on that point or are kind of"},{"speaker":"Carl Widger","startTime":2179.39,"endTime":2184.4,"body":"pull that thread a small bit."},{"speaker":"Carl Widger","startTime":2179.39,"endTime":2184.4,"body":"It's incumbent on us, therefore,"},{"speaker":"Carl Widger","startTime":2184.46,"endTime":2189.2599999999998,"body":"to make sure that we are looking"},{"speaker":"Carl Widger","startTime":2184.46,"endTime":2189.2599999999998,"body":"after ourselves and the people"},{"speaker":"Carl Widger","startTime":2189.2599999999998,"endTime":2192.08,"body":"around us right in terms of the"},{"speaker":"Carl Widger","startTime":2189.2599999999998,"endTime":2192.08,"body":"teams that are working with us."},{"speaker":"Carl Widger","startTime":2192.5,"endTime":2196.52,"body":"And you can only do your best"},{"speaker":"Carl Widger","startTime":2192.5,"endTime":2196.52,"body":"work. And you can only have a"},{"speaker":"Carl Widger","startTime":2196.52,"endTime":2200.87,"body":"deep impact on your clients and"},{"speaker":"Carl Widger","startTime":2196.52,"endTime":2200.87,"body":"your families that you look"},{"speaker":"Carl Widger","startTime":2200.87,"endTime":2205.19,"body":"after, if you're actually in a"},{"speaker":"Carl Widger","startTime":2200.87,"endTime":2205.19,"body":"good place yourself. And I think"},{"speaker":"Carl Widger","startTime":2206.3599999999997,"endTime":2210.1099999999997,"body":"I'm kind of this spring into"},{"speaker":"Carl Widger","startTime":2206.3599999999997,"endTime":2210.1099999999997,"body":"mind that I think it was the"},{"speaker":"Carl Widger","startTime":2210.1099999999997,"endTime":2212.48,"body":"first time I met all of you boys"},{"speaker":"Carl Widger","startTime":2210.1099999999997,"endTime":2212.48,"body":"actually, it was a humans under"},{"speaker":"Carl Widger","startTime":2212.48,"endTime":2221.33,"body":"management under 2018. And Alan"},{"speaker":"Carl Widger","startTime":2212.48,"endTime":2221.33,"body":"Smith's talk was, I think,"},{"speaker":"Carl Widger","startTime":2221.39,"endTime":2229.6099999999997,"body":"advisors under management saw a"},{"speaker":"Carl Widger","startTime":2221.39,"endTime":2229.6099999999997,"body":"play on the Aum ladder. So the"},{"speaker":"Carl Widger","startTime":2229.6099999999997,"endTime":2233.54,"body":"reason I'm saying this is all"},{"speaker":"Carl Widger","startTime":2229.6099999999997,"endTime":2233.54,"body":"well and good, you know, talking"},{"speaker":"Carl Widger","startTime":2233.54,"endTime":2236.81,"body":"about all these things, but you"},{"speaker":"Carl Widger","startTime":2233.54,"endTime":2236.81,"body":"need to look after yourself. I"},{"speaker":"Carl Widger","startTime":2236.81,"endTime":2240.83,"body":"wrote a blog actually earlier"},{"speaker":"Carl Widger","startTime":2236.81,"endTime":2240.83,"body":"this year. And it was, it was a"},{"speaker":"Carl Widger","startTime":2240.83,"endTime":2244.49,"body":"pointed blog because I wrote a"},{"speaker":"Carl Widger","startTime":2240.83,"endTime":2244.49,"body":"blog to myself. And it was like"},{"speaker":"Carl Widger","startTime":2244.52,"endTime":2248.99,"body":"I published this blog as a"},{"speaker":"Carl Widger","startTime":2244.52,"endTime":2248.99,"body":"promise to myself and the blog,"},{"speaker":"Carl Widger","startTime":2249.02,"endTime":2252.62,"body":"which I think we put in the show"},{"speaker":"Carl Widger","startTime":2249.02,"endTime":2252.62,"body":"notes, and was called put on"},{"speaker":"Carl Widger","startTime":2252.62,"endTime":2256.19,"body":"your own oxygen mask first. And"},{"speaker":"Carl Widger","startTime":2252.62,"endTime":2256.19,"body":"that's something I've been"},{"speaker":"Carl Widger","startTime":2256.19,"endTime":2261.41,"body":"really really poor at even"},{"speaker":"Carl Widger","startTime":2256.19,"endTime":2261.41,"body":"though I know these things. I'm"},{"speaker":"Carl Widger","startTime":2261.41,"endTime":2266.12,"body":"just about to renew my passport"},{"speaker":"Carl Widger","startTime":2261.41,"endTime":2266.12,"body":"2023 You boys have seen the"},{"speaker":"Carl Widger","startTime":2266.12,"endTime":2270.23,"body":"picture of my passport from"},{"speaker":"Carl Widger","startTime":2266.12,"endTime":2270.23,"body":"2013, which are the few years"},{"speaker":"Carl Widger","startTime":2270.23,"endTime":2273.92,"body":"after I set up my business. I"},{"speaker":"Carl Widger","startTime":2270.23,"endTime":2273.92,"body":"look at that person grossly"},{"speaker":"Carl Widger","startTime":2273.92,"endTime":2277.67,"body":"overweight and just stood there"},{"speaker":"Carl Widger","startTime":2273.92,"endTime":2277.67,"body":"is nothing good about Yeah."},{"speaker":"Carl Widger","startTime":2278.7799999999997,"endTime":2280.7,"body":"There is nothing good about that"},{"speaker":"Carl Widger","startTime":2278.7799999999997,"endTime":2280.7,"body":"picture."},{"speaker":"Alan Smith","startTime":2284.42,"endTime":2285.62,"body":"You look at me so"},{"speaker":"Alan Smith","startTime":2284.42,"endTime":2285.62,"body":"nice."},{"speaker":"Carl Widger","startTime":2288.02,"endTime":2291.17,"body":"I'd be I'm very"},{"speaker":"Carl Widger","startTime":2288.02,"endTime":2291.17,"body":"glad that I'm renewing that that"},{"speaker":"Carl Widger","startTime":2291.17,"endTime":2296.06,"body":"one is going to be combined. But"},{"speaker":"Carl Widger","startTime":2291.17,"endTime":2296.06,"body":"But last year, I look, I'll be"},{"speaker":"Carl Widger","startTime":2296.06,"endTime":2299.06,"body":"honest enough to say last year"},{"speaker":"Carl Widger","startTime":2296.06,"endTime":2299.06,"body":"around this time last year, I"},{"speaker":"Carl Widger","startTime":2299.06,"endTime":2302.21,"body":"actually had to step away for a"},{"speaker":"Carl Widger","startTime":2299.06,"endTime":2302.21,"body":"couple of weeks, right? I had to"},{"speaker":"Carl Widger","startTime":2302.21,"endTime":2306.47,"body":"say guys, I'm just not coping"},{"speaker":"Carl Widger","startTime":2302.21,"endTime":2306.47,"body":"with everything that's coming at"},{"speaker":"Carl Widger","startTime":2306.47,"endTime":2308.99,"body":"me in terms of my business, my"},{"speaker":"Carl Widger","startTime":2306.47,"endTime":2308.99,"body":"personal life, everything that's"},{"speaker":"Carl Widger","startTime":2308.99,"endTime":2311.7799999999997,"body":"coming at me, I had to step"},{"speaker":"Carl Widger","startTime":2308.99,"endTime":2311.7799999999997,"body":"away. I had great people around"},{"speaker":"Carl Widger","startTime":2311.7799999999997,"endTime":2316.64,"body":"me that I was able to be I was"},{"speaker":"Carl Widger","startTime":2311.7799999999997,"endTime":2316.64,"body":"nervous actually even saying"},{"speaker":"Carl Widger","startTime":2316.64,"endTime":2319.79,"body":"that, right. And it was only for"},{"speaker":"Carl Widger","startTime":2316.64,"endTime":2319.79,"body":"a couple of weeks. But my team"},{"speaker":"Carl Widger","startTime":2319.79,"endTime":2323.33,"body":"here and Mattis were absolutely"},{"speaker":"Carl Widger","startTime":2319.79,"endTime":2323.33,"body":"phenomenal. And I do think and"},{"speaker":"Carl Widger","startTime":2323.33,"endTime":2326.45,"body":"it's this is really important."},{"speaker":"Carl Widger","startTime":2323.33,"endTime":2326.45,"body":"And anybody who saw the text"},{"speaker":"Carl Widger","startTime":2326.45,"endTime":2329.66,"body":"messages that flew between us"},{"speaker":"Carl Widger","startTime":2326.45,"endTime":2329.66,"body":"late last night would not"},{"speaker":"Carl Widger","startTime":2329.66,"endTime":2333.65,"body":"believe this for a second,"},{"speaker":"Carl Widger","startTime":2329.66,"endTime":2333.65,"body":"right. But I also had you guys"},{"speaker":"Carl Widger","startTime":2333.68,"endTime":2338.24,"body":"to lean on and to say guys"},{"speaker":"Carl Widger","startTime":2333.68,"endTime":2338.24,"body":"struggling a little bit. And we"},{"speaker":"Carl Widger","startTime":2338.24,"endTime":2341.24,"body":"talked it through. And, you"},{"speaker":"Carl Widger","startTime":2338.24,"endTime":2341.24,"body":"know, part of us talking it"},{"speaker":"Carl Widger","startTime":2341.24,"endTime":2346.64,"body":"through as well was that each"},{"speaker":"Carl Widger","startTime":2341.24,"endTime":2346.64,"body":"one of you, I think basically"},{"speaker":"Carl Widger","startTime":2346.64,"endTime":2349.19,"body":"said, yeah, there was a time"},{"speaker":"Carl Widger","startTime":2346.64,"endTime":2349.19,"body":"when I was struggling and you"},{"speaker":"Carl Widger","startTime":2349.19,"endTime":2352.16,"body":"know, blah, blah, and this is"},{"speaker":"Carl Widger","startTime":2349.19,"endTime":2352.16,"body":"what I did and, and making sure"},{"speaker":"Carl Widger","startTime":2352.16,"endTime":2356.72,"body":"that Andy used to send me texts"},{"speaker":"Carl Widger","startTime":2352.16,"endTime":2356.72,"body":"at ridiculous hours of the day's"},{"speaker":"Carl Widger","startTime":2356.75,"endTime":2360.14,"body":"day and evening say remember, do"},{"speaker":"Carl Widger","startTime":2356.75,"endTime":2360.14,"body":"this, remember do that, you know"},{"speaker":"Carl Widger","startTime":2360.14,"endTime":2363.29,"body":"and, and you know, sometimes"},{"speaker":"Carl Widger","startTime":2360.14,"endTime":2363.29,"body":"they're really gonna Jesus"},{"speaker":"Carl Widger","startTime":2363.29,"endTime":2367.43,"body":"Christ, but Genoa, brilliant,"},{"speaker":"Carl Widger","startTime":2363.29,"endTime":2367.43,"body":"brilliant reminders, you know,"},{"speaker":"Carl Widger","startTime":2367.43,"endTime":2370.22,"body":"and the words were so well"},{"speaker":"Carl Widger","startTime":2367.43,"endTime":2370.22,"body":"meant. And I knew, I've got a"},{"speaker":"Carl Widger","startTime":2370.22,"endTime":2372.5299999999997,"body":"bunch of people in my corner"},{"speaker":"Carl Widger","startTime":2370.22,"endTime":2372.5299999999997,"body":"here who are saying you are"},{"speaker":"Carl Widger","startTime":2372.5299999999997,"endTime":2376.43,"body":"doing the right thing and drive"},{"speaker":"Carl Widger","startTime":2372.5299999999997,"endTime":2376.43,"body":"on. So look one year on from"},{"speaker":"Carl Widger","startTime":2376.46,"endTime":2379.64,"body":"having to take two weeks out."},{"speaker":"Carl Widger","startTime":2376.46,"endTime":2379.64,"body":"And here we go back to the"},{"speaker":"Carl Widger","startTime":2379.64,"endTime":2382.52,"body":"smallest violin in the world,"},{"speaker":"Carl Widger","startTime":2379.64,"endTime":2382.52,"body":"right and firstworldproblems and"},{"speaker":"Carl Widger","startTime":2382.52,"endTime":2385.73,"body":"all that. But so important,"},{"speaker":"Carl Widger","startTime":2382.52,"endTime":2385.73,"body":"because you can only do your"},{"speaker":"Carl Widger","startTime":2385.73,"endTime":2389.75,"body":"best work with your clients, if"},{"speaker":"Carl Widger","startTime":2385.73,"endTime":2389.75,"body":"you are in a good place. And"},{"speaker":"Carl Widger","startTime":2389.75,"endTime":2393.17,"body":"like I'm in at the moment, it's"},{"speaker":"Carl Widger","startTime":2389.75,"endTime":2393.17,"body":"really, really busy, but I'm"},{"speaker":"Carl Widger","startTime":2393.17,"endTime":2395.99,"body":"just loving it. And I'm feeling"},{"speaker":"Carl Widger","startTime":2393.17,"endTime":2395.99,"body":"like I'm having an impact. And,"},{"speaker":"Carl Widger","startTime":2396.29,"endTime":2399.38,"body":"you know, that's where I want to"},{"speaker":"Carl Widger","startTime":2396.29,"endTime":2399.38,"body":"remain. But I can only do that,"},{"speaker":"Carl Widger","startTime":2399.44,"endTime":2404.87,"body":"if I remind myself to look after"},{"speaker":"Carl Widger","startTime":2399.44,"endTime":2404.87,"body":"myself. So Alan, I pass over to"},{"speaker":"Carl Widger","startTime":2404.87,"endTime":2408.2599999999998,"body":"you, because I think the advisor"},{"speaker":"Carl Widger","startTime":2404.87,"endTime":2408.2599999999998,"body":"under management is such a great"},{"speaker":"Carl Widger","startTime":2408.2599999999998,"endTime":2411.35,"body":"phrase and, you know, remind"},{"speaker":"Carl Widger","startTime":2408.2599999999998,"endTime":2411.35,"body":"ourselves to look after"},{"speaker":"Carl Widger","startTime":2411.35,"endTime":2411.95,"body":"ourselves."},{"speaker":"Alan Smith","startTime":2412.85,"endTime":2415.73,"body":"Yeah, and that's,"},{"speaker":"Alan Smith","startTime":2412.85,"endTime":2415.73,"body":"that's true. And and you've all"},{"speaker":"Alan Smith","startTime":2415.73,"endTime":2419.3599999999997,"body":"said a version of this, because"},{"speaker":"Alan Smith","startTime":2415.73,"endTime":2419.3599999999997,"body":"we are deeply entwined, often in"},{"speaker":"Alan Smith","startTime":2419.3599999999997,"endTime":2423.17,"body":"our, not maybe every client, but"},{"speaker":"Alan Smith","startTime":2419.3599999999997,"endTime":2423.17,"body":"a lot of our clients lives. And"},{"speaker":"Alan Smith","startTime":2423.2,"endTime":2426.95,"body":"you do play the role of you"},{"speaker":"Alan Smith","startTime":2423.2,"endTime":2426.95,"body":"know, we're not life coaches,"},{"speaker":"Alan Smith","startTime":2426.95,"endTime":2429.47,"body":"we're not therapists. But if you"},{"speaker":"Alan Smith","startTime":2426.95,"endTime":2429.47,"body":"if you're serious about this,"},{"speaker":"Alan Smith","startTime":2429.5,"endTime":2432.65,"body":"you know, you give a shit and"},{"speaker":"Alan Smith","startTime":2429.5,"endTime":2432.65,"body":"you care. And and this is where"},{"speaker":"Alan Smith","startTime":2432.65,"endTime":2435.89,"body":"you should have come in, Nick,"},{"speaker":"Alan Smith","startTime":2432.65,"endTime":2435.89,"body":"but I will share just a brief"},{"speaker":"Alan Smith","startTime":2435.89,"endTime":2440.0899999999997,"body":"experience that I had a few"},{"speaker":"Alan Smith","startTime":2435.89,"endTime":2440.0899999999997,"body":"years ago. With this. We took on"},{"speaker":"Alan Smith","startTime":2440.27,"endTime":2444.35,"body":"a new client, and you will all"},{"speaker":"Alan Smith","startTime":2440.27,"endTime":2444.35,"body":"have clients like this. Just"},{"speaker":"Alan Smith","startTime":2444.35,"endTime":2446.72,"body":"lovely couple that, you know,"},{"speaker":"Alan Smith","startTime":2444.35,"endTime":2446.72,"body":"that came to us that were just"},{"speaker":"Alan Smith","startTime":2446.72,"endTime":2450.62,"body":"getting into retirement. And,"},{"speaker":"Alan Smith","startTime":2446.72,"endTime":2450.62,"body":"you know, not every one of your"},{"speaker":"Alan Smith","startTime":2450.62,"endTime":2453.17,"body":"clients are your best friends."},{"speaker":"Alan Smith","startTime":2450.62,"endTime":2453.17,"body":"But these are ones that I"},{"speaker":"Alan Smith","startTime":2453.17,"endTime":2456.5299999999997,"body":"thought I would know them"},{"speaker":"Alan Smith","startTime":2453.17,"endTime":2456.5299999999997,"body":"socially. You know, I could hang"},{"speaker":"Alan Smith","startTime":2456.5299999999997,"endTime":2458.5099999999998,"body":"out with them. I could go for a"},{"speaker":"Alan Smith","startTime":2456.5299999999997,"endTime":2458.5099999999998,"body":"drink or go for dinner with"},{"speaker":"Alan Smith","startTime":2458.5099999999998,"endTime":2461.42,"body":"them. They were kind of my sort"},{"speaker":"Alan Smith","startTime":2458.5099999999998,"endTime":2461.42,"body":"of people bit bit cheeky a bit"},{"speaker":"Alan Smith","startTime":2461.42,"endTime":2464.6,"body":"irreverent but you know, the"},{"speaker":"Alan Smith","startTime":2461.42,"endTime":2464.6,"body":"family focus. They had grown up"},{"speaker":"Alan Smith","startTime":2464.6,"endTime":2469.1,"body":"children just had their first"},{"speaker":"Alan Smith","startTime":2464.6,"endTime":2469.1,"body":"grandchild, lived in London,"},{"speaker":"Alan Smith","startTime":2469.13,"endTime":2473.93,"body":"sold his business, retired down"},{"speaker":"Alan Smith","startTime":2469.13,"endTime":2473.93,"body":"to Devon and we're just planning"},{"speaker":"Alan Smith","startTime":2473.93,"endTime":2476.0899999999997,"body":"you know, the next day we're"},{"speaker":"Alan Smith","startTime":2473.93,"endTime":2476.0899999999997,"body":"just early 60s planning that"},{"speaker":"Alan Smith","startTime":2476.12,"endTime":2479.96,"body":"next several decades of their"},{"speaker":"Alan Smith","startTime":2476.12,"endTime":2479.96,"body":"lives, and we, as I say, we hit"},{"speaker":"Alan Smith","startTime":2479.96,"endTime":2483.5,"body":"it off like the proverbial house"},{"speaker":"Alan Smith","startTime":2479.96,"endTime":2483.5,"body":"on fire. We did all the modeling"},{"speaker":"Alan Smith","startTime":2483.5299999999997,"endTime":2486.68,"body":"all the planning worked out how"},{"speaker":"Alan Smith","startTime":2483.5299999999997,"endTime":2486.68,"body":"much they needed. And you know,"},{"speaker":"Alan Smith","startTime":2486.68,"endTime":2489.5,"body":"just we're just mapping out the"},{"speaker":"Alan Smith","startTime":2486.68,"endTime":2489.5,"body":"next several decades of their"},{"speaker":"Alan Smith","startTime":2489.5,"endTime":2492.2599999999998,"body":"life that loves skiing. We're"},{"speaker":"Alan Smith","startTime":2489.5,"endTime":2492.2599999999998,"body":"gonna go to Canada that we have"},{"speaker":"Alan Smith","startTime":2492.2599999999998,"endTime":2495.08,"body":"this sort of bucket list things"},{"speaker":"Alan Smith","startTime":2492.2599999999998,"endTime":2495.08,"body":"that we're going to do. And you"},{"speaker":"Alan Smith","startTime":2495.08,"endTime":2497.72,"body":"kind of know where this is"},{"speaker":"Alan Smith","startTime":2495.08,"endTime":2497.72,"body":"headed, because everything was"},{"speaker":"Alan Smith","startTime":2497.72,"endTime":2500.66,"body":"wonderful. And I got a phone"},{"speaker":"Alan Smith","startTime":2497.72,"endTime":2500.66,"body":"call out of the blue. This is a,"},{"speaker":"Alan Smith","startTime":2500.66,"endTime":2503.0,"body":"you know, a year later, after we"},{"speaker":"Alan Smith","startTime":2500.66,"endTime":2503.0,"body":"did all the work, everything was"},{"speaker":"Alan Smith","startTime":2503.0,"endTime":2505.7,"body":"implemented, everything was up"},{"speaker":"Alan Smith","startTime":2503.0,"endTime":2505.7,"body":"and running. And I got a phone"},{"speaker":"Alan Smith","startTime":2505.7,"endTime":2510.56,"body":"call from this guy. Let's call"},{"speaker":"Alan Smith","startTime":2505.7,"endTime":2510.56,"body":"him Stephen. And he just goes,"},{"speaker":"Alan Smith","startTime":2510.68,"endTime":2514.37,"body":"Alan, I'm going to cut straight"},{"speaker":"Alan Smith","startTime":2510.68,"endTime":2514.37,"body":"to the chase. He said, I've been"},{"speaker":"Alan Smith","startTime":2514.37,"endTime":2516.98,"body":"diagnosed with cancer, I'd be"},{"speaker":"Alan Smith","startTime":2514.37,"endTime":2516.98,"body":"given less than less than a year"},{"speaker":"Alan Smith","startTime":2516.98,"endTime":2521.2999999999997,"body":"to live. And I just honestly, it"},{"speaker":"Alan Smith","startTime":2516.98,"endTime":2521.2999999999997,"body":"just hit me, you know, these are"},{"speaker":"Alan Smith","startTime":2521.2999999999997,"endTime":2525.02,"body":"things that happen. But I just,"},{"speaker":"Alan Smith","startTime":2521.2999999999997,"endTime":2525.02,"body":"I was really shocked by it. I"},{"speaker":"Alan Smith","startTime":2525.02,"endTime":2527.63,"body":"was taken aback by it. And"},{"speaker":"Alan Smith","startTime":2525.02,"endTime":2527.63,"body":"particularly because I was"},{"speaker":"Alan Smith","startTime":2527.63,"endTime":2530.33,"body":"deeply involved in the initial"},{"speaker":"Alan Smith","startTime":2527.63,"endTime":2530.33,"body":"planning work, and really in a"},{"speaker":"Alan Smith","startTime":2530.33,"endTime":2532.85,"body":"quite a granular level, working"},{"speaker":"Alan Smith","startTime":2530.33,"endTime":2532.85,"body":"out what they were going to do"},{"speaker":"Alan Smith","startTime":2532.88,"endTime":2536.0,"body":"this year, five years now 10"},{"speaker":"Alan Smith","startTime":2532.88,"endTime":2536.0,"body":"years from now. And he says,"},{"speaker":"Alan Smith","startTime":2536.0,"endTime":2539.33,"body":"Yeah, less than a year to live."},{"speaker":"Alan Smith","startTime":2536.0,"endTime":2539.33,"body":"So look, can we meet up we got"},{"speaker":"Alan Smith","startTime":2539.33,"endTime":2542.54,"body":"some stuff to do. And Paul, so"},{"speaker":"Alan Smith","startTime":2539.33,"endTime":2542.54,"body":"my colleague, Charles and I, we"},{"speaker":"Alan Smith","startTime":2542.54,"endTime":2545.99,"body":"traveled down to, to Devon. And"},{"speaker":"Alan Smith","startTime":2542.54,"endTime":2545.99,"body":"we spent, we spent a couple of"},{"speaker":"Alan Smith","startTime":2545.99,"endTime":2548.81,"body":"days we booked a hotel, we spent"},{"speaker":"Alan Smith","startTime":2545.99,"endTime":2548.81,"body":"the whole day with them. And"},{"speaker":"Alan Smith","startTime":2548.8399999999997,"endTime":2551.0299999999997,"body":"honestly their house, they're"},{"speaker":"Alan Smith","startTime":2548.8399999999997,"endTime":2551.0299999999997,"body":"sort of they're bought this"},{"speaker":"Alan Smith","startTime":2551.0299999999997,"endTime":2555.68,"body":"home, their forever home to"},{"speaker":"Alan Smith","startTime":2551.0299999999997,"endTime":2555.68,"body":"retire to. And if any of you"},{"speaker":"Alan Smith","startTime":2555.7999999999997,"endTime":2559.67,"body":"guys know solchen, beautiful,"},{"speaker":"Alan Smith","startTime":2555.7999999999997,"endTime":2559.67,"body":"beautiful part of the world, and"},{"speaker":"Alan Smith","startTime":2559.67,"endTime":2563.27,"body":"it was just overlooking the"},{"speaker":"Alan Smith","startTime":2559.67,"endTime":2563.27,"body":"beach. And it was just amazing,"},{"speaker":"Alan Smith","startTime":2563.27,"endTime":2565.7,"body":"an amazing home, you can imagine"},{"speaker":"Alan Smith","startTime":2563.27,"endTime":2565.7,"body":"sitting in that room, we've all"},{"speaker":"Alan Smith","startTime":2565.7,"endTime":2568.7599999999998,"body":"done versions of this, going"},{"speaker":"Alan Smith","startTime":2565.7,"endTime":2568.7599999999998,"body":"through just working out what"},{"speaker":"Alan Smith","startTime":2568.7599999999998,"endTime":2571.58,"body":"life is going to be like after"},{"speaker":"Alan Smith","startTime":2568.7599999999998,"endTime":2571.58,"body":"he passed. You know, it was"},{"speaker":"Alan Smith","startTime":2571.58,"endTime":2575.72,"body":"brutal. Really, really, you"},{"speaker":"Alan Smith","startTime":2571.58,"endTime":2575.72,"body":"know, the tears were never far"},{"speaker":"Alan Smith","startTime":2575.72,"endTime":2577.79,"body":"from your eyes. On the one hand,"},{"speaker":"Alan Smith","startTime":2575.72,"endTime":2577.79,"body":"I'm thinking I'm just a"},{"speaker":"Alan Smith","startTime":2577.88,"endTime":2580.5499999999997,"body":"financial planner, just trying"},{"speaker":"Alan Smith","startTime":2577.88,"endTime":2580.5499999999997,"body":"to do the right the right work"},{"speaker":"Alan Smith","startTime":2580.5499999999997,"endTime":2584.87,"body":"here. But it was intensely"},{"speaker":"Alan Smith","startTime":2580.5499999999997,"endTime":2584.87,"body":"human. And we stayed the night,"},{"speaker":"Alan Smith","startTime":2584.87,"endTime":2587.42,"body":"we'd all went out for dinner"},{"speaker":"Alan Smith","startTime":2584.87,"endTime":2587.42,"body":"that evening. And it was you"},{"speaker":"Alan Smith","startTime":2587.42,"endTime":2590.45,"body":"know it, there's some it's"},{"speaker":"Alan Smith","startTime":2587.42,"endTime":2590.45,"body":"ridiculous, really, because we"},{"speaker":"Alan Smith","startTime":2590.45,"endTime":2593.39,"body":"had a laugh, we were laughing,"},{"speaker":"Alan Smith","startTime":2590.45,"endTime":2593.39,"body":"we almost forgot what was going"},{"speaker":"Alan Smith","startTime":2593.39,"endTime":2595.94,"body":"on. At the time, you know, a few"},{"speaker":"Alan Smith","startTime":2593.39,"endTime":2595.94,"body":"bottles of wine was shared good,"},{"speaker":"Alan Smith","startTime":2595.94,"endTime":2598.79,"body":"you know, and he used to do take"},{"speaker":"Alan Smith","startTime":2595.94,"endTime":2598.79,"body":"the mick out of me all sorts of"},{"speaker":"Alan Smith","startTime":2599.63,"endTime":2602.0299999999997,"body":"little sort of jokes. And he"},{"speaker":"Alan Smith","startTime":2599.63,"endTime":2602.0299999999997,"body":"would, he would have at my"},{"speaker":"Alan Smith","startTime":2602.0299999999997,"endTime":2605.0299999999997,"body":"expense, Charles's expense. And"},{"speaker":"Alan Smith","startTime":2602.0299999999997,"endTime":2605.0299999999997,"body":"if any, we just had a good, good"},{"speaker":"Alan Smith","startTime":2605.0299999999997,"endTime":2608.5099999999998,"body":"fun evening, next day, drivers"},{"speaker":"Alan Smith","startTime":2605.0299999999997,"endTime":2608.5099999999998,"body":"back to the train station gives"},{"speaker":"Alan Smith","startTime":2608.5099999999998,"endTime":2611.66,"body":"me a hug, which I don't do with"},{"speaker":"Alan Smith","startTime":2608.5099999999998,"endTime":2611.66,"body":"every client, certainly every"},{"speaker":"Alan Smith","startTime":2611.66,"endTime":2614.72,"body":"meal on it, and looks me in the"},{"speaker":"Alan Smith","startTime":2611.66,"endTime":2614.72,"body":"eye. And he said you have thank"},{"speaker":"Alan Smith","startTime":2614.72,"endTime":2617.69,"body":"god, you're here looking after"},{"speaker":"Alan Smith","startTime":2614.72,"endTime":2617.69,"body":"us for this difficult time, go"},{"speaker":"Alan Smith","startTime":2617.69,"endTime":2621.38,"body":"home, life goes on, keep in"},{"speaker":"Alan Smith","startTime":2617.69,"endTime":2621.38,"body":"touch with them. Then I get a"},{"speaker":"Alan Smith","startTime":2621.38,"endTime":2625.6099999999997,"body":"call from his wife to say, you"},{"speaker":"Alan Smith","startTime":2621.38,"endTime":2625.6099999999997,"body":"know, only a few months later,"},{"speaker":"Alan Smith","startTime":2625.88,"endTime":2629.87,"body":"that he's gone. He's passed. I"},{"speaker":"Alan Smith","startTime":2625.88,"endTime":2629.87,"body":"was just And that's so that"},{"speaker":"Alan Smith","startTime":2629.87,"endTime":2632.8399999999997,"body":"particular example. And we've as"},{"speaker":"Alan Smith","startTime":2629.87,"endTime":2632.8399999999997,"body":"I say, we've all got versions of"},{"speaker":"Alan Smith","startTime":2632.8399999999997,"endTime":2635.93,"body":"him. There's other situations"},{"speaker":"Alan Smith","startTime":2632.8399999999997,"endTime":2635.93,"body":"I've been involved as well. But"},{"speaker":"Alan Smith","startTime":2635.93,"endTime":2639.44,"body":"that one really hit me hard. I"},{"speaker":"Alan Smith","startTime":2635.93,"endTime":2639.44,"body":"took it kind of I couldn't stop"},{"speaker":"Alan Smith","startTime":2639.44,"endTime":2642.35,"body":"thinking about it. Honestly, for"},{"speaker":"Alan Smith","startTime":2639.44,"endTime":2642.35,"body":"weeks and weeks, I still think"},{"speaker":"Alan Smith","startTime":2642.35,"endTime":2644.69,"body":"about it. Now this was a couple"},{"speaker":"Alan Smith","startTime":2642.35,"endTime":2644.69,"body":"of years ago, this all happened."},{"speaker":"Alan Smith","startTime":2645.2599999999998,"endTime":2647.75,"body":"I still think about it now. And"},{"speaker":"Alan Smith","startTime":2645.2599999999998,"endTime":2647.75,"body":"we do take on sometimes we've"},{"speaker":"Alan Smith","startTime":2647.75,"endTime":2650.45,"body":"got this kind of mental"},{"speaker":"Alan Smith","startTime":2647.75,"endTime":2650.45,"body":"gymnastics to go through. And"},{"speaker":"Alan Smith","startTime":2650.45,"endTime":2654.41,"body":"again, this is more sort of"},{"speaker":"Alan Smith","startTime":2650.45,"endTime":2654.41,"body":"small violins. But this was this"},{"speaker":"Alan Smith","startTime":2654.41,"endTime":2658.22,"body":"can hit you very profoundly when"},{"speaker":"Alan Smith","startTime":2654.41,"endTime":2658.22,"body":"you know the the other side of"},{"speaker":"Alan Smith","startTime":2658.22,"endTime":2660.77,"body":"the coin when you get in the"},{"speaker":"Alan Smith","startTime":2658.22,"endTime":2660.77,"body":"positive is you get close to a"},{"speaker":"Alan Smith","startTime":2660.77,"endTime":2662.39,"body":"family you understand what"},{"speaker":"Alan Smith","startTime":2660.77,"endTime":2662.39,"body":"they're doing what you're trying"},{"speaker":"Alan Smith","startTime":2662.39,"endTime":2665.06,"body":"to achieve with their life. And"},{"speaker":"Alan Smith","startTime":2662.39,"endTime":2665.06,"body":"the downside is when things"},{"speaker":"Alan Smith","startTime":2665.06,"endTime":2668.21,"body":"don't go according to plan, you"},{"speaker":"Alan Smith","startTime":2665.06,"endTime":2668.21,"body":"really feel it. You feel it in"},{"speaker":"Alan Smith","startTime":2668.21,"endTime":2672.56,"body":"in a hard way. So again, these"},{"speaker":"Alan Smith","startTime":2668.21,"endTime":2672.56,"body":"are this is a sort of the ups"},{"speaker":"Alan Smith","startTime":2672.56,"endTime":2675.0499999999997,"body":"and downs of the work that we"},{"speaker":"Alan Smith","startTime":2672.56,"endTime":2675.0499999999997,"body":"do. I wouldn't have it any other"},{"speaker":"Alan Smith","startTime":2675.0499999999997,"endTime":2677.99,"body":"way. I love it. But it can"},{"speaker":"Alan Smith","startTime":2675.0499999999997,"endTime":2677.99,"body":"impact you and it can you know"},{"speaker":"Alan Smith","startTime":2677.99,"endTime":2681.95,"body":"it, as I say sort of knocked me"},{"speaker":"Alan Smith","startTime":2677.99,"endTime":2681.95,"body":"sideways for quite a while. That"},{"speaker":"Alan Smith","startTime":2681.95,"endTime":2683.75,"body":"was you wake up in the morning"},{"speaker":"Alan Smith","startTime":2681.95,"endTime":2683.75,"body":"thinking about thinking about"},{"speaker":"Alan Smith","startTime":2683.75,"endTime":2687.8599999999997,"body":"the all the unfulfilled ambition"},{"speaker":"Alan Smith","startTime":2683.75,"endTime":2687.8599999999997,"body":"that family will never now have"},{"speaker":"Alan Smith","startTime":2688.22,"endTime":2691.7,"body":"because of you know, a cruel"},{"speaker":"Alan Smith","startTime":2688.22,"endTime":2691.7,"body":"twist of fate in life."},{"speaker":"Nick Lincoln","startTime":2692.81,"endTime":2694.67,"body":"Wow, that's"},{"speaker":"Nick Lincoln","startTime":2692.81,"endTime":2694.67,"body":"powerful. That's proper Pat. I'm"},{"speaker":"Nick Lincoln","startTime":2694.67,"endTime":2697.0099999999998,"body":"glad I didn't play the storytime"},{"speaker":"Nick Lincoln","startTime":2694.67,"endTime":2697.0099999999998,"body":"jingle at the right time because"},{"speaker":"Nick Lincoln","startTime":2697.0099999999998,"endTime":2699.83,"body":"that would I didn't want to they"},{"speaker":"Nick Lincoln","startTime":2697.0099999999998,"endTime":2699.83,"body":"would have undermined perhaps"},{"speaker":"Nick Lincoln","startTime":2699.83,"endTime":2702.65,"body":"the the portent of their story"},{"speaker":"Nick Lincoln","startTime":2699.83,"endTime":2702.65,"body":"that's done. So that's, that's"},{"speaker":"Nick Lincoln","startTime":2702.65,"endTime":2706.7,"body":"Wow. Okay, guys, Carl, unless"},{"speaker":"Nick Lincoln","startTime":2702.65,"endTime":2706.7,"body":"you've got something to add my"},{"speaker":"Nick Lincoln","startTime":2706.7,"endTime":2709.8199999999997,"body":"friend. We are now 44 minutes"},{"speaker":"Nick Lincoln","startTime":2706.7,"endTime":2709.8199999999997,"body":"into the show where the time"},{"speaker":"Nick Lincoln","startTime":2709.8199999999997,"endTime":2713.3599999999997,"body":"goes I do not no. I'm happy to"},{"speaker":"Nick Lincoln","startTime":2709.8199999999997,"endTime":2713.3599999999997,"body":"draw a line under the meat and"},{"speaker":"Nick Lincoln","startTime":2713.3599999999997,"endTime":2715.22,"body":"potatoes. Look,"},{"speaker":"Carl Widger","startTime":2715.25,"endTime":2719.99,"body":"I've probably a"},{"speaker":"Carl Widger","startTime":2715.25,"endTime":2719.99,"body":"very serious topic right. And a"},{"speaker":"Carl Widger","startTime":2719.99,"endTime":2722.63,"body":"little bit unlike some of the"},{"speaker":"Carl Widger","startTime":2719.99,"endTime":2722.63,"body":"other topics we've covered here"},{"speaker":"Carl Widger","startTime":2722.63,"endTime":2725.87,"body":"but it is really really"},{"speaker":"Carl Widger","startTime":2722.63,"endTime":2725.87,"body":"important and tomorrow is"},{"speaker":"Carl Widger","startTime":2725.87,"endTime":2728.63,"body":"Valentine's Day we're recording"},{"speaker":"Carl Widger","startTime":2725.87,"endTime":2728.63,"body":"this a few days before it goes"},{"speaker":"Carl Widger","startTime":2728.63,"endTime":2732.95,"body":"out and it's the winter triplets"},{"speaker":"Carl Widger","startTime":2728.63,"endTime":2732.95,"body":"Robbie, Rachel and Chloe are 16"},{"speaker":"Carl Widger","startTime":2732.95,"endTime":2738.95,"body":"Tomorrow. Wow. Wow, I'm taking"},{"speaker":"Carl Widger","startTime":2732.95,"endTime":2738.95,"body":"the day off. I wish I took all"},{"speaker":"Carl Widger","startTime":2738.95,"endTime":2743.0899999999997,"body":"of their other birthdays off. I"},{"speaker":"Carl Widger","startTime":2738.95,"endTime":2743.0899999999997,"body":"didn't. But tomorrow I am going"},{"speaker":"Carl Widger","startTime":2743.0899999999997,"endTime":2746.63,"body":"to and we're going to have a"},{"speaker":"Carl Widger","startTime":2743.0899999999997,"endTime":2746.63,"body":"great day. That's fantastic."},{"speaker":"Carl Widger","startTime":2747.08,"endTime":2750.5299999999997,"body":"Look after yourself first and"},{"speaker":"Carl Widger","startTime":2747.08,"endTime":2750.5299999999997,"body":"dozens that you love"},{"speaker":"Alan Smith","startTime":2750.7999999999997,"endTime":2753.29,"body":"ever that's that's"},{"speaker":"Alan Smith","startTime":2750.7999999999997,"endTime":2753.29,"body":"well said call that that is it"},{"speaker":"Alan Smith","startTime":2753.29,"endTime":2757.16,"body":"we do have a lot of Mickey taken"},{"speaker":"Alan Smith","startTime":2753.29,"endTime":2757.16,"body":"on this program but that's"},{"speaker":"Alan Smith","startTime":2757.16,"endTime":2759.65,"body":"that's profound and it's true."},{"speaker":"Alan Smith","startTime":2757.16,"endTime":2759.65,"body":"Look after yourself. Look after"},{"speaker":"Alan Smith","startTime":2759.65,"endTime":2761.96,"body":"your loved ones. And of course"},{"speaker":"Alan Smith","startTime":2759.65,"endTime":2761.96,"body":"then look after your your"},{"speaker":"Alan Smith","startTime":2761.96,"endTime":2765.8599999999997,"body":"colleagues and your clients."},{"speaker":"Alan Smith","startTime":2761.96,"endTime":2765.8599999999997,"body":"Good start to take it taking the"},{"speaker":"Alan Smith","startTime":2765.8599999999997,"endTime":2766.79,"body":"piss out of it. Yeah, just"},{"speaker":"Nick Lincoln","startTime":2766.79,"endTime":2768.47,"body":"something that"},{"speaker":"Nick Lincoln","startTime":2766.79,"endTime":2768.47,"body":"certainly was profound for Carl."},{"speaker":"Nick Lincoln","startTime":2769.2799999999997,"endTime":2774.14,"body":"Very good. However, temperatures"},{"speaker":"Nick Lincoln","startTime":2769.2799999999997,"endTime":2774.14,"body":"fugitive and this is normally he"},{"speaker":"Nick Lincoln","startTime":2774.14,"endTime":2775.85,"body":"those listening to this not"},{"speaker":"Nick Lincoln","startTime":2774.14,"endTime":2775.85,"body":"watching this is where Carl"},{"speaker":"Nick Lincoln","startTime":2775.85,"endTime":2778.46,"body":"makes it Hands signal that"},{"speaker":"Nick Lincoln","startTime":2775.85,"endTime":2778.46,"body":"suggests I'm self pleasuring"},{"speaker":"Nick Lincoln","startTime":2778.46,"endTime":2780.77,"body":"when I use the word Tempest for"},{"speaker":"Nick Lincoln","startTime":2778.46,"endTime":2780.77,"body":"you to think we'll move on from"},{"speaker":"Nick Lincoln","startTime":2780.77,"endTime":2784.7,"body":"that. I think if I look at my"},{"speaker":"Nick Lincoln","startTime":2780.77,"endTime":2784.7,"body":"nest, or the shears, posters"},{"speaker":"Nick Lincoln","startTime":2784.7,"endTime":2787.37,"body":"arrived at my front door, she's"},{"speaker":"Nick Lincoln","startTime":2784.7,"endTime":2787.37,"body":"got her hands on our bulging"},{"speaker":"Nick Lincoln","startTime":2787.37,"endTime":2792.0499999999997,"body":"sack. questions as you can hear"},{"speaker":"Nick Lincoln","startTime":2787.37,"endTime":2792.0499999999997,"body":"the TRAPPIST had been stirring"},{"speaker":"Nick Lincoln","startTime":2792.3199999999997,"endTime":2795.65,"body":"and they've been knocking them"},{"speaker":"Nick Lincoln","startTime":2792.3199999999997,"endTime":2795.65,"body":"out for us as well that goes to"},{"speaker":"Nick Lincoln","startTime":2795.65,"endTime":2798.62,"body":"the link in the pinned tweet at"},{"speaker":"Nick Lincoln","startTime":2795.65,"endTime":2798.62,"body":"applies a podcast or even"},{"speaker":"Nick Lincoln","startTime":2798.62,"endTime":2802.31,"body":"easier. Go to the exact same"},{"speaker":"Nick Lincoln","startTime":2798.62,"endTime":2802.31,"body":"link in the show notes. You"},{"speaker":"Nick Lincoln","startTime":2802.31,"endTime":2805.85,"body":"click on there you put your name"},{"speaker":"Nick Lincoln","startTime":2802.31,"endTime":2805.85,"body":"your question, you hit submit,"},{"speaker":"Nick Lincoln","startTime":2805.88,"endTime":2808.7,"body":"you do it that way. We will get"},{"speaker":"Nick Lincoln","startTime":2805.88,"endTime":2808.7,"body":"round to your question. We'll go"},{"speaker":"Nick Lincoln","startTime":2808.7,"endTime":2813.56,"body":"through them chronologically. So"},{"speaker":"Nick Lincoln","startTime":2808.7,"endTime":2813.56,"body":"many to get through the please"},{"speaker":"Nick Lincoln","startTime":2813.56,"endTime":2817.13,"body":"consider doing that. That'd be"},{"speaker":"Nick Lincoln","startTime":2813.56,"endTime":2817.13,"body":"absolutely great. And the three"},{"speaker":"Nick Lincoln","startTime":2817.13,"endTime":2819.44,"body":"questions were shut because he"},{"speaker":"Nick Lincoln","startTime":2817.13,"endTime":2819.44,"body":"three questions perched on."},{"speaker":"Carl Widger","startTime":2820.31,"endTime":2824.21,"body":"Possibly the most"},{"speaker":"Carl Widger","startTime":2820.31,"endTime":2824.21,"body":"inappropriate segue of all time"},{"speaker":"Carl Widger","startTime":2824.24,"endTime":2825.29,"body":"ever. But anyway,"},{"speaker":"Nick Lincoln","startTime":2825.38,"endTime":2826.7,"body":"I didn't write"},{"speaker":"Nick Lincoln","startTime":2825.38,"endTime":2826.7,"body":"this stuff. I don't know what's"},{"speaker":"Nick Lincoln","startTime":2826.7,"endTime":2829.46,"body":"what's in your mind. But let me"},{"speaker":"Nick Lincoln","startTime":2826.7,"endTime":2829.46,"body":"continue because it doesn't get"},{"speaker":"Nick Lincoln","startTime":2829.46,"endTime":2831.56,"body":"any better. Because perched at"},{"speaker":"Nick Lincoln","startTime":2829.46,"endTime":2831.56,"body":"the top of our holdings, soccer"},{"speaker":"Nick Lincoln","startTime":2831.56,"endTime":2835.43,"body":"three questions to roll up our"},{"speaker":"Nick Lincoln","startTime":2831.56,"endTime":2835.43,"body":"sleeves, gents, and pull them"},{"speaker":"Nick Lincoln","startTime":2835.6099999999997,"endTime":2842.06,"body":"off. Now who's first on this?"},{"speaker":"Nick Lincoln","startTime":2835.6099999999997,"endTime":2842.06,"body":"Let's open up this letter. This"},{"speaker":"Nick Lincoln","startTime":2842.06,"endTime":2846.47,"body":"is from a Michael Gilmore, who's"},{"speaker":"Nick Lincoln","startTime":2842.06,"endTime":2846.47,"body":"on Twitter as at right to"},{"speaker":"Nick Lincoln","startTime":2846.47,"endTime":2849.56,"body":"Gilmore. This is a really good"},{"speaker":"Nick Lincoln","startTime":2846.47,"endTime":2849.56,"body":"question. And Carl, you're gonna"},{"speaker":"Nick Lincoln","startTime":2849.56,"endTime":2851.75,"body":"have a stab at this first, and"},{"speaker":"Nick Lincoln","startTime":2849.56,"endTime":2851.75,"body":"then we'll see how we go on the"},{"speaker":"Nick Lincoln","startTime":2851.75,"endTime":2855.29,"body":"group. Is there a defined path"},{"speaker":"Nick Lincoln","startTime":2851.75,"endTime":2855.29,"body":"for second career is to join the"},{"speaker":"Nick Lincoln","startTime":2855.29,"endTime":2858.29,"body":"professional whilst using their"},{"speaker":"Nick Lincoln","startTime":2855.29,"endTime":2858.29,"body":"extends their existing skill set"},{"speaker":"Nick Lincoln","startTime":2858.29,"endTime":2861.5,"body":"relevant experience without"},{"speaker":"Nick Lincoln","startTime":2858.29,"endTime":2861.5,"body":"going back to square one from an"},{"speaker":"Nick Lincoln","startTime":2861.5,"endTime":2865.1,"body":"earnings perspective? Yeah."},{"speaker":"Nick Lincoln","startTime":2861.5,"endTime":2865.1,"body":"Okay. If so, we'd love to hear"},{"speaker":"Nick Lincoln","startTime":2865.1,"endTime":2868.0699999999997,"body":"more about it. And if not, what"},{"speaker":"Nick Lincoln","startTime":2865.1,"endTime":2868.0699999999997,"body":"advice would a trap pack give to"},{"speaker":"Nick Lincoln","startTime":2868.0699999999997,"endTime":2869.66,"body":"someone in that situation?"},{"speaker":"Carl Widger","startTime":2871.88,"endTime":2876.38,"body":"Wow. Yeah,"},{"speaker":"Carl Widger","startTime":2871.88,"endTime":2876.38,"body":"fantastic question. I the reason"},{"speaker":"Carl Widger","startTime":2876.38,"endTime":2880.4,"body":"I offered to kind of start give"},{"speaker":"Carl Widger","startTime":2876.38,"endTime":2880.4,"body":"a stab at an answer here is I"},{"speaker":"Carl Widger","startTime":2880.52,"endTime":2883.13,"body":"have a client at the moment who"},{"speaker":"Carl Widger","startTime":2880.52,"endTime":2883.13,"body":"is in the process of selling his"},{"speaker":"Carl Widger","startTime":2883.13,"endTime":2887.39,"body":"business. He's, he'll be 60 this"},{"speaker":"Carl Widger","startTime":2883.13,"endTime":2887.39,"body":"year. And he said to me Ginola"},{"speaker":"Carl Widger","startTime":2887.39,"endTime":2892.52,"body":"card, I, I'd really, really love"},{"speaker":"Carl Widger","startTime":2887.39,"endTime":2892.52,"body":"to do you do? Is there any way"},{"speaker":"Carl Widger","startTime":2892.52,"endTime":2897.1099999999997,"body":"that that can happen? The first"},{"speaker":"Carl Widger","startTime":2892.52,"endTime":2897.1099999999997,"body":"answer, unfortunately, is no."},{"speaker":"Carl Widger","startTime":2897.35,"endTime":2901.2799999999997,"body":"Right? Because you need to get"},{"speaker":"Carl Widger","startTime":2897.35,"endTime":2901.2799999999997,"body":"the qualifications. And then you"},{"speaker":"Carl Widger","startTime":2901.2799999999997,"endTime":2903.95,"body":"need a number of years"},{"speaker":"Carl Widger","startTime":2901.2799999999997,"endTime":2903.95,"body":"experience before you can"},{"speaker":"Carl Widger","startTime":2903.95,"endTime":2908.96,"body":"actually give the financial"},{"speaker":"Carl Widger","startTime":2903.95,"endTime":2908.96,"body":"advice now where he may well"},{"speaker":"Carl Widger","startTime":2910.04,"endTime":2913.13,"body":"have tons of experiences giving"},{"speaker":"Carl Widger","startTime":2910.04,"endTime":2913.13,"body":"all of the life advice and the"},{"speaker":"Carl Widger","startTime":2913.13,"endTime":2915.62,"body":"life experience and all that"},{"speaker":"Carl Widger","startTime":2913.13,"endTime":2915.62,"body":"other stuff that we maybe spoke"},{"speaker":"Carl Widger","startTime":2915.62,"endTime":2921.3199999999997,"body":"about earlier on. So I don't"},{"speaker":"Carl Widger","startTime":2915.62,"endTime":2921.3199999999997,"body":"know that, how you do the"},{"speaker":"Carl Widger","startTime":2921.3199999999997,"endTime":2924.5,"body":"qualifications over there. But"},{"speaker":"Carl Widger","startTime":2921.3199999999997,"endTime":2924.5,"body":"the very basic qualifications"},{"speaker":"Carl Widger","startTime":2924.5,"endTime":2929.06,"body":"here, the qualified financial"},{"speaker":"Carl Widger","startTime":2924.5,"endTime":2929.06,"body":"adviser, probably take you a"},{"speaker":"Carl Widger","startTime":2929.06,"endTime":2932.2999999999997,"body":"year to get those and then"},{"speaker":"Carl Widger","startTime":2929.06,"endTime":2932.2999999999997,"body":"you're kind of getting settled"},{"speaker":"Carl Widger","startTime":2932.2999999999997,"endTime":2937.2799999999997,"body":"in. But at 60, you know, he's"},{"speaker":"Carl Widger","startTime":2932.2999999999997,"endTime":2937.2799999999997,"body":"kind of I want just want to hit"},{"speaker":"Carl Widger","startTime":2937.2799999999997,"endTime":2939.83,"body":"the ground running. So he was"},{"speaker":"Carl Widger","startTime":2937.2799999999997,"endTime":2939.83,"body":"saying what about if I just kind"},{"speaker":"Carl Widger","startTime":2939.83,"endTime":2943.43,"body":"of grabbed a lot of people and"},{"speaker":"Carl Widger","startTime":2939.83,"endTime":2943.43,"body":"brought them into you. And maybe"},{"speaker":"Carl Widger","startTime":2943.43,"endTime":2946.67,"body":"there's something in that I"},{"speaker":"Carl Widger","startTime":2943.43,"endTime":2946.67,"body":"don't know. But um, because it"},{"speaker":"Carl Widger","startTime":2946.67,"endTime":2950.33,"body":"will be his own peers, who he"},{"speaker":"Carl Widger","startTime":2946.67,"endTime":2950.33,"body":"really, really, really values"},{"speaker":"Carl Widger","startTime":2950.33,"endTime":2953.15,"body":"the work that we have done for"},{"speaker":"Carl Widger","startTime":2950.33,"endTime":2953.15,"body":"him. And he's like, you know,"},{"speaker":"Carl Widger","startTime":2953.15,"endTime":2955.67,"body":"most of them now are with"},{"speaker":"Carl Widger","startTime":2953.15,"endTime":2955.67,"body":"private banks and stockbrokers"},{"speaker":"Carl Widger","startTime":2955.67,"endTime":2958.0699999999997,"body":"and all that kind of stuff. And"},{"speaker":"Carl Widger","startTime":2955.67,"endTime":2958.0699999999997,"body":"it's, you know, what you guys do"},{"speaker":"Carl Widger","startTime":2958.0699999999997,"endTime":2960.5,"body":"is totally different than, and"},{"speaker":"Carl Widger","startTime":2958.0699999999997,"endTime":2960.5,"body":"he's always telling me that"},{"speaker":"Carl Widger","startTime":2960.5,"endTime":2964.31,"body":"we're useless at telling people"},{"speaker":"Carl Widger","startTime":2960.5,"endTime":2964.31,"body":"exactly what we do. So we have a"},{"speaker":"Carl Widger","startTime":2964.3399999999997,"endTime":2968.27,"body":"we have a marketing dilemma"},{"speaker":"Carl Widger","startTime":2964.3399999999997,"endTime":2968.27,"body":"there. But um, yeah, I there's"},{"speaker":"Carl Widger","startTime":2968.27,"endTime":2971.72,"body":"probably no clear cut answer,"},{"speaker":"Carl Widger","startTime":2968.27,"endTime":2971.72,"body":"and probably not the answer that"},{"speaker":"Carl Widger","startTime":2971.7799999999997,"endTime":2976.1,"body":"the guy who posed the question"},{"speaker":"Carl Widger","startTime":2971.7799999999997,"endTime":2976.1,"body":"once, okay, it'd be my take on"},{"speaker":"Carl Widger","startTime":2976.1,"endTime":2978.41,"body":"it. I do like it, though. I do."},{"speaker":"Carl Widger","startTime":2976.1,"endTime":2978.41,"body":"Okay. And"},{"speaker":"Nick Lincoln","startTime":2978.41,"endTime":2980.15,"body":"the idea and the"},{"speaker":"Nick Lincoln","startTime":2978.41,"endTime":2980.15,"body":"analogy,"},{"speaker":"Andy Hart","startTime":2981.62,"endTime":2984.0499999999997,"body":"the apprenticeship"},{"speaker":"Andy Hart","startTime":2981.62,"endTime":2984.0499999999997,"body":"stage in this business is quite"},{"speaker":"Andy Hart","startTime":2984.0499999999997,"endTime":2987.2,"body":"long, long story short, I say"},{"speaker":"Andy Hart","startTime":2984.0499999999997,"endTime":2987.2,"body":"it's a decade long, you can"},{"speaker":"Andy Hart","startTime":2987.2,"endTime":2990.71,"body":"short circuit it, someone who's"},{"speaker":"Andy Hart","startTime":2987.2,"endTime":2990.71,"body":"let's say 45, somewhat"},{"speaker":"Andy Hart","startTime":2990.71,"endTime":2993.98,"body":"experienced somewhat financially"},{"speaker":"Andy Hart","startTime":2990.71,"endTime":2993.98,"body":"stable, could probably short"},{"speaker":"Andy Hart","startTime":2993.98,"endTime":2997.6099999999997,"body":"circuit that, that that period."},{"speaker":"Andy Hart","startTime":2993.98,"endTime":2997.6099999999997,"body":"But yeah, it is a combination of"},{"speaker":"Andy Hart","startTime":2997.6099999999997,"endTime":3000.58,"body":"learning new skills during exams"},{"speaker":"Andy Hart","startTime":2997.6099999999997,"endTime":3000.58,"body":"and building up a client bank in"},{"speaker":"Andy Hart","startTime":3000.58,"endTime":3003.1,"body":"terms of earnings, I think your"},{"speaker":"Andy Hart","startTime":3000.58,"endTime":3003.1,"body":"earnings will go down to zero"},{"speaker":"Andy Hart","startTime":3003.1,"endTime":3006.49,"body":"when you enter this profession."},{"speaker":"Andy Hart","startTime":3003.1,"endTime":3006.49,"body":"It just then depends on how"},{"speaker":"Andy Hart","startTime":3006.49,"endTime":3009.6099999999997,"body":"quickly you're going to build it"},{"speaker":"Andy Hart","startTime":3006.49,"endTime":3009.6099999999997,"body":"up, you know, there the facts at"},{"speaker":"Andy Hart","startTime":3009.6099999999997,"endTime":3011.83,"body":"the end of the day, I mean,"},{"speaker":"Andy Hart","startTime":3009.6099999999997,"endTime":3011.83,"body":"obviously, you could get a job"},{"speaker":"Andy Hart","startTime":3011.83,"endTime":3014.77,"body":"somewhere that would give you a"},{"speaker":"Andy Hart","startTime":3011.83,"endTime":3014.77,"body":"some level of, you know,"},{"speaker":"Andy Hart","startTime":3014.77,"endTime":3018.5499999999997,"body":"financial income coming in. So"},{"speaker":"Andy Hart","startTime":3014.77,"endTime":3018.5499999999997,"body":"yeah, the apprenticeship stage,"},{"speaker":"Andy Hart","startTime":3018.5499999999997,"endTime":3021.49,"body":"I think it's about about a"},{"speaker":"Andy Hart","startTime":3018.5499999999997,"endTime":3021.49,"body":"decade long, you can short"},{"speaker":"Andy Hart","startTime":3021.49,"endTime":3025.2999999999997,"body":"circuit it, and do it a little"},{"speaker":"Andy Hart","startTime":3021.49,"endTime":3025.2999999999997,"body":"bit quicker. But I think from"},{"speaker":"Andy Hart","startTime":3025.2999999999997,"endTime":3027.8199999999997,"body":"zero to knowing what you're"},{"speaker":"Andy Hart","startTime":3025.2999999999997,"endTime":3027.8199999999997,"body":"doing in the client meeting, I"},{"speaker":"Andy Hart","startTime":3027.8199999999997,"endTime":3030.0699999999997,"body":"think probably the fastest you"},{"speaker":"Andy Hart","startTime":3027.8199999999997,"endTime":3030.0699999999997,"body":"could do that is probably five"},{"speaker":"Andy Hart","startTime":3030.0699999999997,"endTime":3033.16,"body":"years, and that's really, really"},{"speaker":"Andy Hart","startTime":3030.0699999999997,"endTime":3033.16,"body":"going for it. So that's the"},{"speaker":"Andy Hart","startTime":3033.16,"endTime":3035.77,"body":"reality of it. Like all great"},{"speaker":"Andy Hart","startTime":3033.16,"endTime":3035.77,"body":"things. Why should it be easy?"},{"speaker":"Andy Hart","startTime":3035.77,"endTime":3038.17,"body":"You know, if you want to become"},{"speaker":"Andy Hart","startTime":3035.77,"endTime":3038.17,"body":"black belt in karate grade eight"},{"speaker":"Andy Hart","startTime":3038.17,"endTime":3041.14,"body":"piano, you know, there's no"},{"speaker":"Andy Hart","startTime":3038.17,"endTime":3041.14,"body":"short short, short cuts over to"},{"speaker":"Andy Hart","startTime":3041.14,"endTime":3041.41,"body":"Elon."},{"speaker":"Alan Smith","startTime":3044.68,"endTime":3046.8399999999997,"body":"I had somebody"},{"speaker":"Alan Smith","startTime":3044.68,"endTime":3046.8399999999997,"body":"approached me last year on the"},{"speaker":"Alan Smith","startTime":3046.8399999999997,"endTime":3051.64,"body":"same subject, and it is quite"},{"speaker":"Alan Smith","startTime":3046.8399999999997,"endTime":3051.64,"body":"interesting, I suppose. It's is"},{"speaker":"Alan Smith","startTime":3051.64,"endTime":3054.88,"body":"it an upside or downside this"},{"speaker":"Alan Smith","startTime":3051.64,"endTime":3054.88,"body":"whole sector has become more"},{"speaker":"Alan Smith","startTime":3054.88,"endTime":3057.52,"body":"professional, hasn't it? If you"},{"speaker":"Alan Smith","startTime":3054.88,"endTime":3057.52,"body":"if he was to ask the question"},{"speaker":"Alan Smith","startTime":3057.52,"endTime":3060.25,"body":"1015 years ago, you say fine,"},{"speaker":"Alan Smith","startTime":3057.52,"endTime":3060.25,"body":"you know, get your basic level"},{"speaker":"Alan Smith","startTime":3060.25,"endTime":3064.21,"body":"qualifications Off, off you go."},{"speaker":"Alan Smith","startTime":3060.25,"endTime":3064.21,"body":"And I guess it depends on the"},{"speaker":"Alan Smith","startTime":3064.21,"endTime":3067.0299999999997,"body":"structure of any you know,"},{"speaker":"Alan Smith","startTime":3064.21,"endTime":3067.0299999999997,"body":"there'll be people who will"},{"speaker":"Alan Smith","startTime":3067.0299999999997,"endTime":3069.5499999999997,"body":"offer you a self employed"},{"speaker":"Alan Smith","startTime":3067.0299999999997,"endTime":3069.5499999999997,"body":"contract. If you can flog"},{"speaker":"Alan Smith","startTime":3069.5499999999997,"endTime":3072.6099999999997,"body":"stuffings something if you can"},{"speaker":"Alan Smith","startTime":3069.5499999999997,"endTime":3072.6099999999997,"body":"sell products for fees,"},{"speaker":"Alan Smith","startTime":3072.6099999999997,"endTime":3076.27,"body":"commissions, and you've got a"},{"speaker":"Alan Smith","startTime":3072.6099999999997,"endTime":3076.27,"body":"ready made network of people But"},{"speaker":"Alan Smith","startTime":3076.27,"endTime":3082.06,"body":"you could sell to, you know, off"},{"speaker":"Alan Smith","startTime":3076.27,"endTime":3082.06,"body":"you go. The challenge is for the"},{"speaker":"Alan Smith","startTime":3082.06,"endTime":3084.46,"body":"better firms, they have become"},{"speaker":"Alan Smith","startTime":3082.06,"endTime":3084.46,"body":"far more professional. And there"},{"speaker":"Alan Smith","startTime":3084.46,"endTime":3087.8199999999997,"body":"is a much more of a kind of, as"},{"speaker":"Alan Smith","startTime":3084.46,"endTime":3087.8199999999997,"body":"you say, Andy an apprenticeship"},{"speaker":"Alan Smith","startTime":3087.8199999999997,"endTime":3090.4,"body":"and it does take time, it's a"},{"speaker":"Alan Smith","startTime":3087.8199999999997,"endTime":3090.4,"body":"bit like saying, you know, at"},{"speaker":"Alan Smith","startTime":3090.4,"endTime":3093.46,"body":"the age of 60, I think I'll be a"},{"speaker":"Alan Smith","startTime":3090.4,"endTime":3093.46,"body":"lawyer. Well, you can, but you"},{"speaker":"Alan Smith","startTime":3093.46,"endTime":3097.93,"body":"got to qualify as a lawyer start"},{"speaker":"Alan Smith","startTime":3093.46,"endTime":3097.93,"body":"right back from the day one, and"},{"speaker":"Alan Smith","startTime":3097.93,"endTime":3099.94,"body":"ain't gonna happen overnight."},{"speaker":"Alan Smith","startTime":3097.93,"endTime":3099.94,"body":"But you can do it if you're"},{"speaker":"Alan Smith","startTime":3099.94,"endTime":3101.62,"body":"absolutely passionate and"},{"speaker":"Alan Smith","startTime":3099.94,"endTime":3101.62,"body":"dedicated about it. But you will"},{"speaker":"Alan Smith","startTime":3101.62,"endTime":3104.8599999999997,"body":"have to, absolutely will be a"},{"speaker":"Alan Smith","startTime":3101.62,"endTime":3104.8599999999997,"body":"period of if these people have"},{"speaker":"Alan Smith","startTime":3104.8599999999997,"endTime":3108.31,"body":"been used to, you know, having"},{"speaker":"Alan Smith","startTime":3104.8599999999997,"endTime":3108.31,"body":"some reasonable earnings,"},{"speaker":"Alan Smith","startTime":3108.43,"endTime":3110.14,"body":"there's no way they're gonna be"},{"speaker":"Alan Smith","startTime":3108.43,"endTime":3110.14,"body":"maintaining the same level of"},{"speaker":"Alan Smith","startTime":3110.14,"endTime":3113.35,"body":"earnings for a period of time. I"},{"speaker":"Alan Smith","startTime":3110.14,"endTime":3113.35,"body":"think there are, there's sort of"},{"speaker":"Alan Smith","startTime":3113.35,"endTime":3116.68,"body":"two or three component parts."},{"speaker":"Alan Smith","startTime":3113.35,"endTime":3116.68,"body":"One is the technical bit, which"},{"speaker":"Alan Smith","startTime":3116.71,"endTime":3118.9,"body":"I think is relatively"},{"speaker":"Alan Smith","startTime":3116.71,"endTime":3118.9,"body":"straightforward, you got to get"},{"speaker":"Alan Smith","startTime":3118.9,"endTime":3121.45,"body":"qualified to, you know, basic"},{"speaker":"Alan Smith","startTime":3118.9,"endTime":3121.45,"body":"level, which, as you say, might"},{"speaker":"Alan Smith","startTime":3121.48,"endTime":3125.02,"body":"be probably but similar in this"},{"speaker":"Alan Smith","startTime":3121.48,"endTime":3125.02,"body":"country, but 12 months. The"},{"speaker":"Alan Smith","startTime":3125.02,"endTime":3127.39,"body":"other is that is the human"},{"speaker":"Alan Smith","startTime":3125.02,"endTime":3127.39,"body":"aspect of it. And I think, you"},{"speaker":"Alan Smith","startTime":3127.39,"endTime":3130.06,"body":"know, mature people, mature"},{"speaker":"Alan Smith","startTime":3127.39,"endTime":3130.06,"body":"professionals are likely to be"},{"speaker":"Alan Smith","startTime":3130.06,"endTime":3132.91,"body":"pretty good at that. Yeah, he's"},{"speaker":"Alan Smith","startTime":3130.06,"endTime":3132.91,"body":"got life skills. They've been,"},{"speaker":"Alan Smith","startTime":3132.94,"endTime":3135.58,"body":"you know, they've had the,"},{"speaker":"Alan Smith","startTime":3132.94,"endTime":3135.58,"body":"they've had kids have done all"},{"speaker":"Alan Smith","startTime":3135.58,"endTime":3139.0,"body":"the things that people can"},{"speaker":"Alan Smith","startTime":3135.58,"endTime":3139.0,"body":"relate to. But the other part of"},{"speaker":"Alan Smith","startTime":3139.0,"endTime":3142.9,"body":"them sort of three prong"},{"speaker":"Alan Smith","startTime":3139.0,"endTime":3142.9,"body":"triangle, is the opportunity to"},{"speaker":"Alan Smith","startTime":3142.9,"endTime":3145.33,"body":"sit in front of people, where"},{"speaker":"Alan Smith","startTime":3142.9,"endTime":3145.33,"body":"are they? Where are your clients"},{"speaker":"Alan Smith","startTime":3145.33,"endTime":3148.5699999999997,"body":"coming from. And if you can"},{"speaker":"Alan Smith","startTime":3145.33,"endTime":3148.5699999999997,"body":"satisfy two out of three of"},{"speaker":"Alan Smith","startTime":3148.5699999999997,"endTime":3152.5,"body":"those, you got a chance, three"},{"speaker":"Alan Smith","startTime":3148.5699999999997,"endTime":3152.5,"body":"out of three, even better, but"},{"speaker":"Alan Smith","startTime":3152.5,"endTime":3155.5299999999997,"body":"it will take it will take time."},{"speaker":"Alan Smith","startTime":3152.5,"endTime":3155.5299999999997,"body":"Although I can see this becoming"},{"speaker":"Alan Smith","startTime":3155.5299999999997,"endTime":3159.85,"body":"more, more popular, as the"},{"speaker":"Alan Smith","startTime":3155.5299999999997,"endTime":3159.85,"body":"profession evolves and becomes"},{"speaker":"Alan Smith","startTime":3159.85,"endTime":3163.27,"body":"quite an aspirational profession"},{"speaker":"Alan Smith","startTime":3159.85,"endTime":3163.27,"body":"to get into, I think it'd be"},{"speaker":"Alan Smith","startTime":3163.27,"endTime":3165.4,"body":"more people asking the same"},{"speaker":"Alan Smith","startTime":3163.27,"endTime":3165.4,"body":"question as time goes on. So"},{"speaker":"Alan Smith","startTime":3165.85,"endTime":3168.0099999999998,"body":"there'll be more opportunities,"},{"speaker":"Alan Smith","startTime":3165.85,"endTime":3168.0099999999998,"body":"I think, in future but Yeah,"},{"speaker":"Alan Smith","startTime":3168.04,"endTime":3168.67,"body":"good question."},{"speaker":"Nick Lincoln","startTime":3169.99,"endTime":3172.6,"body":"Yeah, really,"},{"speaker":"Nick Lincoln","startTime":3169.99,"endTime":3172.6,"body":"really good question. My quick"},{"speaker":"Nick Lincoln","startTime":3172.6,"endTime":3175.45,"body":"take on this is if you need"},{"speaker":"Nick Lincoln","startTime":3172.6,"endTime":3175.45,"body":"earnings from day one, maybe"},{"speaker":"Nick Lincoln","startTime":3175.45,"endTime":3177.88,"body":"come into the profession as some"},{"speaker":"Nick Lincoln","startTime":3175.45,"endTime":3177.88,"body":"kind of trainee paraplanner,"},{"speaker":"Nick Lincoln","startTime":3177.88,"endTime":3180.73,"body":"where you're gonna be an"},{"speaker":"Nick Lincoln","startTime":3177.88,"endTime":3180.73,"body":"employee. And while you're doing"},{"speaker":"Nick Lincoln","startTime":3180.73,"endTime":3183.7599999999998,"body":"that, you're learning about the"},{"speaker":"Nick Lincoln","startTime":3180.73,"endTime":3183.7599999999998,"body":"jargon of our profession, you"},{"speaker":"Nick Lincoln","startTime":3183.7599999999998,"endTime":3186.52,"body":"can do the exams as well, and"},{"speaker":"Nick Lincoln","startTime":3183.7599999999998,"endTime":3186.52,"body":"then maybe migrate to advising."},{"speaker":"Nick Lincoln","startTime":3186.52,"endTime":3190.27,"body":"But you won't go from a standing"},{"speaker":"Nick Lincoln","startTime":3186.52,"endTime":3190.27,"body":"start to earning you just can't"},{"speaker":"Nick Lincoln","startTime":3190.27,"endTime":3192.64,"body":"do it because of the quite"},{"speaker":"Nick Lincoln","startTime":3190.27,"endTime":3192.64,"body":"rightly, the regulatory burdens."},{"speaker":"Nick Lincoln","startTime":3192.64,"endTime":3195.91,"body":"30 years ago, you could join one"},{"speaker":"Nick Lincoln","startTime":3192.64,"endTime":3195.91,"body":"of the old sales forces, the"},{"speaker":"Nick Lincoln","startTime":3195.91,"endTime":3199.0,"body":"Allied Dunbar's the Imperial"},{"speaker":"Nick Lincoln","startTime":3195.91,"endTime":3199.0,"body":"life, and I imagine, once you've"},{"speaker":"Nick Lincoln","startTime":3199.0,"endTime":3200.65,"body":"been through their internal"},{"speaker":"Nick Lincoln","startTime":3199.0,"endTime":3200.65,"body":"training program, which is"},{"speaker":"Nick Lincoln","startTime":3200.65,"endTime":3202.9,"body":"probably three Pints of Lager"},{"speaker":"Nick Lincoln","startTime":3200.65,"endTime":3202.9,"body":"down the pub, and have to write"},{"speaker":"Nick Lincoln","startTime":3202.9,"endTime":3205.33,"body":"the back of an envelope, you'd"},{"speaker":"Nick Lincoln","startTime":3202.9,"endTime":3205.33,"body":"be out flogging your MIPS and"},{"speaker":"Nick Lincoln","startTime":3205.33,"endTime":3207.6099999999997,"body":"everything else. Well, those"},{"speaker":"Nick Lincoln","startTime":3205.33,"endTime":3207.6099999999997,"body":"days are thankfully behind us"},{"speaker":"Nick Lincoln","startTime":3207.6099999999997,"endTime":3211.15,"body":"now. It is far more structured."},{"speaker":"Nick Lincoln","startTime":3207.6099999999997,"endTime":3211.15,"body":"And there is a an Andy said 10"},{"speaker":"Nick Lincoln","startTime":3211.15,"endTime":3215.14,"body":"years. And I mentioned the human"},{"speaker":"Nick Lincoln","startTime":3211.15,"endTime":3215.14,"body":"side of it. It's the human side."},{"speaker":"Nick Lincoln","startTime":3215.14,"endTime":3217.54,"body":"That's what we're, that's why"},{"speaker":"Nick Lincoln","startTime":3215.14,"endTime":3217.54,"body":"we're on this planet. And that's"},{"speaker":"Nick Lincoln","startTime":3217.54,"endTime":3220.7799999999997,"body":"the bit it'll take you 10 years"},{"speaker":"Nick Lincoln","startTime":3217.54,"endTime":3220.7799999999997,"body":"to learn the nuances of Okay,"},{"speaker":"Nick Lincoln","startTime":3221.44,"endTime":3228.0699999999997,"body":"let's open up the next letter."},{"speaker":"Nick Lincoln","startTime":3221.44,"endTime":3228.0699999999997,"body":"Who's this one from Matthew Tama"},{"speaker":"Nick Lincoln","startTime":3228.0699999999997,"endTime":3232.15,"body":"Bridge on Twitter, as at Matt"},{"speaker":"Nick Lincoln","startTime":3228.0699999999997,"endTime":3232.15,"body":"underscore tambours plumbing"},{"speaker":"Nick Lincoln","startTime":3232.15,"endTime":3235.87,"body":"question you don't like bonds?"},{"speaker":"Nick Lincoln","startTime":3232.15,"endTime":3235.87,"body":"Got it? And he said in a recent"},{"speaker":"Nick Lincoln","startTime":3235.87,"endTime":3239.71,"body":"pod that his tilts are value"},{"speaker":"Nick Lincoln","startTime":3235.87,"endTime":3239.71,"body":"funds, what are the tilts the"},{"speaker":"Nick Lincoln","startTime":3239.71,"endTime":3242.29,"body":"rest of you use for portfolio"},{"speaker":"Nick Lincoln","startTime":3239.71,"endTime":3242.29,"body":"performance? And what if"},{"speaker":"Nick Lincoln","startTime":3242.29,"endTime":3246.49,"body":"anything? Do you use to dampen"},{"speaker":"Nick Lincoln","startTime":3242.29,"endTime":3246.49,"body":"volatility when you have to? And"},{"speaker":"Nick Lincoln","startTime":3246.52,"endTime":3248.5899999999997,"body":"you start with that, and then"},{"speaker":"Nick Lincoln","startTime":3246.52,"endTime":3248.5899999999997,"body":"I'll follow it unless you guys"},{"speaker":"Nick Lincoln","startTime":3248.5899999999997,"endTime":3249.43,"body":"can chip in if they want to?"},{"speaker":"Andy Hart","startTime":3250.0,"endTime":3252.04,"body":"Well, I mean, he's"},{"speaker":"Andy Hart","startTime":3250.0,"endTime":3252.04,"body":"open the question whether we"},{"speaker":"Andy Hart","startTime":3252.04,"endTime":3254.95,"body":"don't like bonds? No, we just"},{"speaker":"Andy Hart","startTime":3252.04,"endTime":3254.95,"body":"know the role of bonds are"},{"speaker":"Andy Hart","startTime":3254.95,"endTime":3257.71,"body":"meant. So we'd like them or"},{"speaker":"Andy Hart","startTime":3254.95,"endTime":3257.71,"body":"don't like them, you know, we"},{"speaker":"Andy Hart","startTime":3257.71,"endTime":3260.65,"body":"know their role. I suppose it's"},{"speaker":"Andy Hart","startTime":3257.71,"endTime":3260.65,"body":"a relatively minor point. Yeah."},{"speaker":"Andy Hart","startTime":3260.65,"endTime":3263.92,"body":"So I've been through the"},{"speaker":"Andy Hart","startTime":3260.65,"endTime":3263.92,"body":"dimensional Vanguard sort of"},{"speaker":"Andy Hart","startTime":3263.92,"endTime":3268.39,"body":"school of investing. Index Fund"},{"speaker":"Andy Hart","startTime":3263.92,"endTime":3268.39,"body":"asset class investing. My tilts"},{"speaker":"Andy Hart","startTime":3268.42,"endTime":3271.54,"body":"are small companies over large"},{"speaker":"Andy Hart","startTime":3268.42,"endTime":3271.54,"body":"value companies over growth,"},{"speaker":"Andy Hart","startTime":3271.54,"endTime":3275.29,"body":"emerging markets over developed"},{"speaker":"Andy Hart","startTime":3271.54,"endTime":3275.29,"body":"markets, but still about 50% of"},{"speaker":"Andy Hart","startTime":3275.29,"endTime":3279.58,"body":"my investment portfolios or"},{"speaker":"Andy Hart","startTime":3275.29,"endTime":3279.58,"body":"large US developed markets. But"},{"speaker":"Andy Hart","startTime":3279.79,"endTime":3284.2,"body":"yeah, so I have in my 100%,"},{"speaker":"Andy Hart","startTime":3279.79,"endTime":3284.2,"body":"Maven invest 100 portfolio,"},{"speaker":"Andy Hart","startTime":3284.2,"endTime":3287.02,"body":"there's a there's a leaning"},{"speaker":"Andy Hart","startTime":3284.2,"endTime":3287.02,"body":"towards emerging markets,"},{"speaker":"Andy Hart","startTime":3287.0499999999997,"endTime":3288.46,"body":"smaller value companies."},{"speaker":"Nick Lincoln","startTime":3291.64,"endTime":3294.16,"body":"Okay, yes. And"},{"speaker":"Nick Lincoln","startTime":3291.64,"endTime":3294.16,"body":"likewise, and this is not"},{"speaker":"Nick Lincoln","startTime":3294.16,"endTime":3298.63,"body":"advice. Of course, we're talking"},{"speaker":"Nick Lincoln","startTime":3294.16,"endTime":3298.63,"body":"to advisers. But the, the, the,"},{"speaker":"Nick Lincoln","startTime":3298.9,"endTime":3301.69,"body":"the essence of what I believe is"},{"speaker":"Nick Lincoln","startTime":3298.9,"endTime":3301.69,"body":"encapsulated in 100, which is"},{"speaker":"Nick Lincoln","startTime":3301.69,"endTime":3304.69,"body":"the dimensional global targeting"},{"speaker":"Nick Lincoln","startTime":3301.69,"endTime":3304.69,"body":"value, which is ultra small gap"},{"speaker":"Nick Lincoln","startTime":3304.69,"endTime":3308.47,"body":"and ultra value. And take Make"},{"speaker":"Nick Lincoln","startTime":3304.69,"endTime":3308.47,"body":"of that what you will make your"},{"speaker":"Nick Lincoln","startTime":3308.47,"endTime":3310.2999999999997,"body":"point about dampening"},{"speaker":"Nick Lincoln","startTime":3308.47,"endTime":3310.2999999999997,"body":"volatility, we don't want to"},{"speaker":"Nick Lincoln","startTime":3310.2999999999997,"endTime":3312.49,"body":"dampen volatility, whether"},{"speaker":"Nick Lincoln","startTime":3310.2999999999997,"endTime":3312.49,"body":"that's the last thing we want to"},{"speaker":"Nick Lincoln","startTime":3312.49,"endTime":3315.1,"body":"do is dampen volatility, because"},{"speaker":"Nick Lincoln","startTime":3312.49,"endTime":3315.1,"body":"volatility works both ways and"},{"speaker":"Nick Lincoln","startTime":3315.1,"endTime":3318.49,"body":"most, three quarters of the time"},{"speaker":"Nick Lincoln","startTime":3315.1,"endTime":3318.49,"body":"the volatility is up. So why"},{"speaker":"Nick Lincoln","startTime":3318.49,"endTime":3321.91,"body":"would you want to dampen that if"},{"speaker":"Nick Lincoln","startTime":3318.49,"endTime":3321.91,"body":"you dampen the downside? If you"},{"speaker":"Nick Lincoln","startTime":3321.91,"endTime":3324.43,"body":"mitigate against the temporary"},{"speaker":"Nick Lincoln","startTime":3321.91,"endTime":3324.43,"body":"declines, you are giving up some"},{"speaker":"Nick Lincoln","startTime":3324.43,"endTime":3326.92,"body":"of the permanent advance and"},{"speaker":"Nick Lincoln","startTime":3324.43,"endTime":3326.92,"body":"that is a big no, no, we have to"},{"speaker":"Nick Lincoln","startTime":3326.92,"endTime":3330.94,"body":"embrace volatility ourselves as"},{"speaker":"Nick Lincoln","startTime":3326.92,"endTime":3330.94,"body":"advisors internalize that and"},{"speaker":"Nick Lincoln","startTime":3330.94,"endTime":3334.15,"body":"then find ways of communicating"},{"speaker":"Nick Lincoln","startTime":3330.94,"endTime":3334.15,"body":"this arcane, countercultural"},{"speaker":"Nick Lincoln","startTime":3334.15,"endTime":3338.2,"body":"message to our clients. That's"},{"speaker":"Nick Lincoln","startTime":3334.15,"endTime":3338.2,"body":"our role. Savers want"},{"speaker":"Nick Lincoln","startTime":3338.2,"endTime":3341.35,"body":"volatility. Even people entering"},{"speaker":"Nick Lincoln","startTime":3338.2,"endTime":3341.35,"body":"a typical three decade"},{"speaker":"Nick Lincoln","startTime":3341.35,"endTime":3344.41,"body":"retirement want volatility,"},{"speaker":"Nick Lincoln","startTime":3341.35,"endTime":3344.41,"body":"because if you can ride it out,"},{"speaker":"Nick Lincoln","startTime":3344.5899999999997,"endTime":3347.23,"body":"that's where you're going to get"},{"speaker":"Nick Lincoln","startTime":3344.5899999999997,"endTime":3347.23,"body":"the superior returns to ward off"},{"speaker":"Nick Lincoln","startTime":3347.23,"endTime":3352.15,"body":"the pernicious evil, that is"},{"speaker":"Nick Lincoln","startTime":3347.23,"endTime":3352.15,"body":"inflation and or car and things"},{"speaker":"Nick Lincoln","startTime":3352.15,"endTime":3352.24,"body":"are"},{"speaker":"Alan Smith","startTime":3353.7999999999997,"endTime":3355.9,"body":"not really I mean,"},{"speaker":"Alan Smith","startTime":3353.7999999999997,"endTime":3355.9,"body":"it's just around the edges, we"},{"speaker":"Alan Smith","startTime":3355.9,"endTime":3360.73,"body":"have small allocation to global"},{"speaker":"Alan Smith","startTime":3355.9,"endTime":3360.73,"body":"property form of REITs, which is"},{"speaker":"Alan Smith","startTime":3360.73,"endTime":3365.62,"body":"seen as something of a"},{"speaker":"Alan Smith","startTime":3360.73,"endTime":3365.62,"body":"diversifier. There is some lack"},{"speaker":"Alan Smith","startTime":3365.62,"endTime":3368.7999999999997,"body":"of correlation between sort of"},{"speaker":"Alan Smith","startTime":3365.62,"endTime":3368.7999999999997,"body":"traditional equities but all"},{"speaker":"Alan Smith","startTime":3368.7999999999997,"endTime":3370.93,"body":"these things just right around"},{"speaker":"Alan Smith","startTime":3368.7999999999997,"endTime":3370.93,"body":"the edges, you've just you've"},{"speaker":"Alan Smith","startTime":3370.93,"endTime":3375.2799999999997,"body":"summed it up. Well, yeah,"},{"speaker":"Alan Smith","startTime":3370.93,"endTime":3375.2799999999997,"body":"nothing else to say. Okay, call"},{"speaker":"Alan Smith","startTime":3375.7,"endTime":3376.0899999999997,"body":"to action."},{"speaker":"Carl Widger","startTime":3376.779,"endTime":3378.669,"body":"Look, I've"},{"speaker":"Carl Widger","startTime":3376.779,"endTime":3378.669,"body":"mentioned it before we use the"},{"speaker":"Carl Widger","startTime":3378.669,"endTime":3383.0789999999997,"body":"dimension word allocations. So"},{"speaker":"Carl Widger","startTime":3378.669,"endTime":3383.0789999999997,"body":"that's no point of me going back"},{"speaker":"Carl Widger","startTime":3383.0789999999997,"endTime":3384.3089999999997,"body":"over all old stuff."},{"speaker":"Nick Lincoln","startTime":3384.7,"endTime":3386.89,"body":"Okay, great stuff."},{"speaker":"Nick Lincoln","startTime":3384.7,"endTime":3386.89,"body":"And I think we have one more"},{"speaker":"Nick Lincoln","startTime":3386.89,"endTime":3392.56,"body":"question that I can open up."},{"speaker":"Nick Lincoln","startTime":3386.89,"endTime":3392.56,"body":"This is from Dan ragged who's on"},{"speaker":"Nick Lincoln","startTime":3392.62,"endTime":3396.19,"body":"LinkedIn, Daniel ragged, ragged"},{"speaker":"Nick Lincoln","startTime":3392.62,"endTime":3396.19,"body":"with two G's and two T's in"},{"speaker":"Nick Lincoln","startTime":3396.19,"endTime":3399.94,"body":"episode four. And he said that"},{"speaker":"Nick Lincoln","startTime":3396.19,"endTime":3399.94,"body":"he wasn't chartered as a newly"},{"speaker":"Nick Lincoln","startTime":3399.94,"endTime":3403.0,"body":"see I qualify financial planner."},{"speaker":"Nick Lincoln","startTime":3399.94,"endTime":3403.0,"body":"Could you elaborate on what you"},{"speaker":"Nick Lincoln","startTime":3403.0,"endTime":3405.58,"body":"think the issues are with the"},{"speaker":"Nick Lincoln","startTime":3403.0,"endTime":3405.58,"body":"charter qualification? Do you"},{"speaker":"Nick Lincoln","startTime":3405.58,"endTime":3409.12,"body":"think certified is better? What"},{"speaker":"Nick Lincoln","startTime":3405.58,"endTime":3409.12,"body":"are the pros and cons of each"},{"speaker":"Nick Lincoln","startTime":3409.12,"endTime":3411.49,"body":"route? Thanks, guys really"},{"speaker":"Nick Lincoln","startTime":3409.12,"endTime":3411.49,"body":"enjoying the podcast so far?"},{"speaker":"Nick Lincoln","startTime":3411.52,"endTime":3413.5899999999997,"body":"Okay. And you can run with this."},{"speaker":"Nick Lincoln","startTime":3411.52,"endTime":3413.5899999999997,"body":"But we have asked this a few"},{"speaker":"Nick Lincoln","startTime":3413.5899999999997,"endTime":3415.8399999999997,"body":"times before, so just give us"},{"speaker":"Nick Lincoln","startTime":3413.5899999999997,"endTime":3415.8399999999997,"body":"your bang answer."},{"speaker":"Andy Hart","startTime":3416.5299999999997,"endTime":3419.68,"body":"I said I was proudly"},{"speaker":"Andy Hart","startTime":3416.5299999999997,"endTime":3419.68,"body":"non chartered. I feel like some"},{"speaker":"Andy Hart","startTime":3419.68,"endTime":3422.14,"body":"people just hide behind the"},{"speaker":"Andy Hart","startTime":3419.68,"endTime":3422.14,"body":"exams. Basically, I think"},{"speaker":"Andy Hart","startTime":3422.14,"endTime":3424.9,"body":"there's other sort of skills you"},{"speaker":"Andy Hart","startTime":3422.14,"endTime":3424.9,"body":"got to learn in this profession,"},{"speaker":"Andy Hart","startTime":3424.9,"endTime":3427.0299999999997,"body":"I think are a bit more important"},{"speaker":"Andy Hart","startTime":3424.9,"endTime":3427.0299999999997,"body":"than exams. I think I'm two"},{"speaker":"Andy Hart","startTime":3427.0299999999997,"endTime":3430.24,"body":"exams away from being chartered."},{"speaker":"Andy Hart","startTime":3427.0299999999997,"endTime":3430.24,"body":"And I've purposely take my foot"},{"speaker":"Andy Hart","startTime":3430.24,"endTime":3434.5299999999997,"body":"off the gas and not done those"},{"speaker":"Andy Hart","startTime":3430.24,"endTime":3434.5299999999997,"body":"exams. And I work with chartered"},{"speaker":"Andy Hart","startTime":3434.5299999999997,"endTime":3437.17,"body":"advisors and certified advisor"},{"speaker":"Andy Hart","startTime":3434.5299999999997,"endTime":3437.17,"body":"and a lot of them are not very"},{"speaker":"Andy Hart","startTime":3437.17,"endTime":3441.31,"body":"good at financial planning. But"},{"speaker":"Andy Hart","startTime":3437.17,"endTime":3441.31,"body":"that's by the by over to Alan"},{"speaker":"Andy Hart","startTime":3441.31,"endTime":3443.14,"body":"chartered, chartered Alan Smith."},{"speaker":"Alan Smith","startTime":3444.04,"endTime":3448.81,"body":"It's it's a bit of a"},{"speaker":"Alan Smith","startTime":3444.04,"endTime":3448.81,"body":"moot point, though, isn't it? I"},{"speaker":"Alan Smith","startTime":3448.81,"endTime":3453.73,"body":"mean, all things being equal"},{"speaker":"Alan Smith","startTime":3448.81,"endTime":3453.73,"body":"look, to me, it's a hygiene"},{"speaker":"Alan Smith","startTime":3453.73,"endTime":3457.24,"body":"factor, you should be qualified"},{"speaker":"Alan Smith","startTime":3453.73,"endTime":3457.24,"body":"to the level of expectation in"},{"speaker":"Alan Smith","startTime":3457.24,"endTime":3459.85,"body":"your profession, if I would, I"},{"speaker":"Alan Smith","startTime":3457.24,"endTime":3459.85,"body":"know. And I completely know what"},{"speaker":"Alan Smith","startTime":3459.85,"endTime":3461.95,"body":"you're saying there are people"},{"speaker":"Alan Smith","startTime":3459.85,"endTime":3461.95,"body":"with all the qualifications up"},{"speaker":"Alan Smith","startTime":3461.95,"endTime":3464.17,"body":"the ying yang, there are"},{"speaker":"Alan Smith","startTime":3461.95,"endTime":3464.17,"body":"hopeless, they can't do"},{"speaker":"Alan Smith","startTime":3464.17,"endTime":3466.66,"body":"financial planning can't do half"},{"speaker":"Alan Smith","startTime":3464.17,"endTime":3466.66,"body":"the stuff, but they've got the"},{"speaker":"Alan Smith","startTime":3466.66,"endTime":3471.2799999999997,"body":"badges. So that isn't, but I'm"},{"speaker":"Alan Smith","startTime":3466.66,"endTime":3471.2799999999997,"body":"going to assume that if I was"},{"speaker":"Alan Smith","startTime":3471.2799999999997,"endTime":3474.88,"body":"going, if I was hiring a surgeon"},{"speaker":"Alan Smith","startTime":3471.2799999999997,"endTime":3474.88,"body":"for an operation, I'd rather he"},{"speaker":"Alan Smith","startTime":3474.88,"endTime":3478.0,"body":"was qualified to the highest"},{"speaker":"Alan Smith","startTime":3474.88,"endTime":3478.0,"body":"level of qualifications. And he"},{"speaker":"Alan Smith","startTime":3478.0,"endTime":3480.4,"body":"had, you know, human, the human"},{"speaker":"Alan Smith","startTime":3478.0,"endTime":3480.4,"body":"touch and all the rest of it, I"},{"speaker":"Alan Smith","startTime":3480.4,"endTime":3483.37,"body":"just I'd rather that than"},{"speaker":"Alan Smith","startTime":3480.4,"endTime":3483.37,"body":"somebody who had base level, you"},{"speaker":"Alan Smith","startTime":3483.37,"endTime":3487.6,"body":"know, an O level of biology,"},{"speaker":"Alan Smith","startTime":3483.37,"endTime":3487.6,"body":"that was really good sort of"},{"speaker":"Alan Smith","startTime":3487.75,"endTime":3492.0099999999998,"body":"bedside manner. So to me, it is"},{"speaker":"Alan Smith","startTime":3487.75,"endTime":3492.0099999999998,"body":"a hygiene factor the so you"},{"speaker":"Alan Smith","startTime":3492.0099999999998,"endTime":3495.37,"body":"should be everyone in this"},{"speaker":"Alan Smith","startTime":3492.0099999999998,"endTime":3495.37,"body":"profession should be qualified"},{"speaker":"Alan Smith","startTime":3495.37,"endTime":3498.7599999999998,"body":"to level six which is chartered."},{"speaker":"Alan Smith","startTime":3495.37,"endTime":3498.7599999999998,"body":"I've like kind of lost track of"},{"speaker":"Alan Smith","startTime":3498.7599999999998,"endTime":3502.48,"body":"it because we gave up all our my"},{"speaker":"Alan Smith","startTime":3498.7599999999998,"endTime":3502.48,"body":"colleagues were CFP as well"},{"speaker":"Alan Smith","startTime":3502.48,"endTime":3505.15,"body":"certified but you have to keep"},{"speaker":"Alan Smith","startTime":3502.48,"endTime":3505.15,"body":"out your would you call it you"},{"speaker":"Alan Smith","startTime":3505.15,"endTime":3507.73,"body":"know, your ongoing CPD nothing"},{"speaker":"Alan Smith","startTime":3505.15,"endTime":3507.73,"body":"else for more than one"},{"speaker":"Alan Smith","startTime":3508.42,"endTime":3511.27,"body":"organization and we just chopped"},{"speaker":"Alan Smith","startTime":3508.42,"endTime":3511.27,"body":"it after a bit, but I think"},{"speaker":"Alan Smith","startTime":3511.27,"endTime":3514.66,"body":"that's all changing soon. And"},{"speaker":"Alan Smith","startTime":3511.27,"endTime":3514.66,"body":"with the all this sort of"},{"speaker":"Alan Smith","startTime":3514.81,"endTime":3517.48,"body":"shenanigans going on with the"},{"speaker":"Alan Smith","startTime":3514.81,"endTime":3517.48,"body":"CIA, I'm not sure how that's"},{"speaker":"Alan Smith","startTime":3517.48,"endTime":3520.93,"body":"going to play out. The the"},{"speaker":"Alan Smith","startTime":3517.48,"endTime":3520.93,"body":"certified one, that's obviously"},{"speaker":"Alan Smith","startTime":3520.93,"endTime":3523.93,"body":"that's the US so niche initially"},{"speaker":"Alan Smith","startTime":3520.93,"endTime":3523.93,"body":"came out of the US Certified"},{"speaker":"Alan Smith","startTime":3524.17,"endTime":3527.77,"body":"Financial Planner CFP, which is"},{"speaker":"Alan Smith","startTime":3524.17,"endTime":3527.77,"body":"all about can you know, can you"},{"speaker":"Alan Smith","startTime":3527.77,"endTime":3533.5899999999997,"body":"do real financial planning. And"},{"speaker":"Alan Smith","startTime":3527.77,"endTime":3533.5899999999997,"body":"so the and they're all kind of"},{"speaker":"Alan Smith","startTime":3533.5899999999997,"endTime":3536.2599999999998,"body":"merging together, not only one"},{"speaker":"Alan Smith","startTime":3533.5899999999997,"endTime":3536.2599999999998,"body":"is better than than the other,"},{"speaker":"Alan Smith","startTime":3536.2599999999998,"endTime":3538.2999999999997,"body":"or the two qualifications, I"},{"speaker":"Alan Smith","startTime":3536.2599999999998,"endTime":3538.2999999999997,"body":"think, if you're really going"},{"speaker":"Alan Smith","startTime":3538.2999999999997,"endTime":3540.8199999999997,"body":"after it, especially if you're"},{"speaker":"Alan Smith","startTime":3538.2999999999997,"endTime":3540.8199999999997,"body":"young, if I was, if I was in my"},{"speaker":"Alan Smith","startTime":3540.8199999999997,"endTime":3544.6,"body":"20s, I try to get both these"},{"speaker":"Alan Smith","startTime":3540.8199999999997,"endTime":3544.6,"body":"qualifications. 20s and 30s. Get"},{"speaker":"Alan Smith","startTime":3544.6,"endTime":3547.3599999999997,"body":"them both, get them out the way"},{"speaker":"Alan Smith","startTime":3544.6,"endTime":3547.3599999999997,"body":"get them done, and get on with"},{"speaker":"Alan Smith","startTime":3547.3599999999997,"endTime":3550.93,"body":"delivering, you know, world"},{"speaker":"Alan Smith","startTime":3547.3599999999997,"endTime":3550.93,"body":"class real financial planning to"},{"speaker":"Alan Smith","startTime":3550.96,"endTime":3553.8399999999997,"body":"your clients. There's no one is"},{"speaker":"Alan Smith","startTime":3550.96,"endTime":3553.8399999999997,"body":"not better than the other."},{"speaker":"Alan Smith","startTime":3554.02,"endTime":3554.8599999999997,"body":"They're just different."},{"speaker":"Carl Widger","startTime":3557.44,"endTime":3559.72,"body":"If I could just"},{"speaker":"Carl Widger","startTime":3557.44,"endTime":3559.72,"body":"make a comment. It's funny, Andy"},{"speaker":"Carl Widger","startTime":3559.72,"endTime":3562.93,"body":"threw that comment out, I don't"},{"speaker":"Carl Widger","startTime":3559.72,"endTime":3562.93,"body":"know, way back, and it seems to"},{"speaker":"Alan Smith","startTime":3562.99,"endTime":3566.35,"body":"keep coming back"},{"speaker":"Alan Smith","startTime":3562.99,"endTime":3566.35,"body":"around because the whole the"},{"speaker":"Alan Smith","startTime":3566.35,"endTime":3569.14,"body":"industry has keeps on telling,"},{"speaker":"Alan Smith","startTime":3566.35,"endTime":3569.14,"body":"particularly young people in the"},{"speaker":"Alan Smith","startTime":3569.14,"endTime":3571.69,"body":"profession, get qualified, get"},{"speaker":"Alan Smith","startTime":3569.14,"endTime":3571.69,"body":"your exams, get your exams, and"},{"speaker":"Alan Smith","startTime":3571.87,"endTime":3574.39,"body":"Hart did one throwaway comment"},{"speaker":"Alan Smith","startTime":3571.87,"endTime":3574.39,"body":"for six."},{"speaker":"Andy Hart","startTime":3575.44,"endTime":3578.0499999999997,"body":"Getting really"},{"speaker":"Andy Hart","startTime":3575.44,"endTime":3578.0499999999997,"body":"provocative, obviously, exams"},{"speaker":"Andy Hart","startTime":3578.0499999999997,"endTime":3580.75,"body":"are very important. But yeah,"},{"speaker":"Andy Hart","startTime":3578.0499999999997,"endTime":3580.75,"body":"yeah,"},{"speaker":"Carl Widger","startTime":3580.81,"endTime":3583.5699999999997,"body":"yeah. But if we"},{"speaker":"Carl Widger","startTime":3580.81,"endTime":3583.5699999999997,"body":"listen to ourselves, right, no"},{"speaker":"Carl Widger","startTime":3583.6,"endTime":3587.14,"body":"client is ever going to give a"},{"speaker":"Carl Widger","startTime":3583.6,"endTime":3587.14,"body":"shit about the conversation"},{"speaker":"Carl Widger","startTime":3587.14,"endTime":3590.5299999999997,"body":"we've just had, right? And"},{"speaker":"Carl Widger","startTime":3587.14,"endTime":3590.5299999999997,"body":"again, it's it sounds"},{"speaker":"Alan Smith","startTime":3590.5299999999997,"endTime":3592.5699999999997,"body":"lovely, but call"},{"speaker":"Alan Smith","startTime":3590.5299999999997,"endTime":3592.5699999999997,"body":"your client, your client assumes"},{"speaker":"Alan Smith","startTime":3592.5699999999997,"endTime":3595.0299999999997,"body":"you're qualified. I don't go to"},{"speaker":"Alan Smith","startTime":3592.5699999999997,"endTime":3595.0299999999997,"body":"the doctor and say, Can I see"},{"speaker":"Alan Smith","startTime":3595.0299999999997,"endTime":3597.25,"body":"your badges? Can I see your"},{"speaker":"Alan Smith","startTime":3595.0299999999997,"endTime":3597.25,"body":"qualifications before we sit"},{"speaker":"Alan Smith","startTime":3597.25,"endTime":3600.3399999999997,"body":"down? Yeah, to get to any I"},{"speaker":"Alan Smith","startTime":3597.25,"endTime":3600.3399999999997,"body":"don't want to hire a lawyer and"},{"speaker":"Alan Smith","startTime":3600.3399999999997,"endTime":3603.25,"body":"say, show me your, your legal"},{"speaker":"Alan Smith","startTime":3600.3399999999997,"endTime":3603.25,"body":"qualifications. There's an"},{"speaker":"Alan Smith","startTime":3603.25,"endTime":3606.73,"body":"assumption made? And yeah, I"},{"speaker":"Alan Smith","startTime":3603.25,"endTime":3606.73,"body":"just think you should"},{"speaker":"Carl Widger","startTime":3606.79,"endTime":3609.73,"body":"to be regulated to"},{"speaker":"Carl Widger","startTime":3606.79,"endTime":3609.73,"body":"be a regulated firm. I'm sure"},{"speaker":"Carl Widger","startTime":3609.73,"endTime":3611.08,"body":"you have to have some level of"},{"speaker":"Alan Smith","startTime":3611.44,"endTime":3612.88,"body":"patience. Yeah. But"},{"speaker":"Alan Smith","startTime":3611.44,"endTime":3612.88,"body":"there's a there's a minimum"},{"speaker":"Alan Smith","startTime":3612.88,"endTime":3615.97,"body":"level, there's a minimum just to"},{"speaker":"Alan Smith","startTime":3612.88,"endTime":3615.97,"body":"squeeze across the line. And"},{"speaker":"Alan Smith","startTime":3615.97,"endTime":3619.0299999999997,"body":"then there's, I want to take it"},{"speaker":"Alan Smith","startTime":3615.97,"endTime":3619.0299999999997,"body":"to the next level, which is I'm"},{"speaker":"Alan Smith","startTime":3619.0299999999997,"endTime":3622.5099999999998,"body":"taking this seriously. I'm a"},{"speaker":"Alan Smith","startTime":3619.0299999999997,"endTime":3622.5099999999998,"body":"professional. And so what I"},{"speaker":"Alan Smith","startTime":3622.5099999999998,"endTime":3623.08,"body":"agree with,"},{"speaker":"Carl Widger","startTime":3624.25,"endTime":3627.2799999999997,"body":"if you're if I was"},{"speaker":"Carl Widger","startTime":3624.25,"endTime":3627.2799999999997,"body":"advising my kids to and they"},{"speaker":"Carl Widger","startTime":3627.2799999999997,"endTime":3630.58,"body":"were in the UK, it sounds like"},{"speaker":"Carl Widger","startTime":3627.2799999999997,"endTime":3630.58,"body":"you're in total turmoil, I"},{"speaker":"Carl Widger","startTime":3630.58,"endTime":3634.99,"body":"repeat, but if they were in the"},{"speaker":"Carl Widger","startTime":3630.58,"endTime":3634.99,"body":"UK, I would get them to do all"},{"speaker":"Carl Widger","startTime":3634.99,"endTime":3638.89,"body":"of the qualifying absolute"},{"speaker":"Carl Widger","startTime":3634.99,"endTime":3638.89,"body":"shambles. But it is it is it's"},{"speaker":"Carl Widger","startTime":3638.89,"endTime":3642.3399999999997,"body":"just jokes off. Like, you know,"},{"speaker":"Carl Widger","startTime":3638.89,"endTime":3642.3399999999997,"body":"you guys don't seem to be clear"},{"speaker":"Carl Widger","startTime":3642.3399999999997,"endTime":3646.33,"body":"on it yourself. So, I don't"},{"speaker":"Carl Widger","startTime":3642.3399999999997,"endTime":3646.33,"body":"know. Seems like a moot point. I"},{"speaker":"Carl Widger","startTime":3646.33,"endTime":3649.39,"body":"think they shouldn't have even I"},{"speaker":"Carl Widger","startTime":3646.33,"endTime":3649.39,"body":"shouldn't have even interjected"},{"speaker":"Carl Widger","startTime":3649.39,"endTime":3651.37,"body":"on this point. I'm sorry. I will"},{"speaker":"Carl Widger","startTime":3649.39,"endTime":3651.37,"body":"mute my mic. Now."},{"speaker":"Andy Hart","startTime":3651.88,"endTime":3654.64,"body":"I'm not sure if"},{"speaker":"Andy Hart","startTime":3651.88,"endTime":3654.64,"body":"they'll make it a requirement"},{"speaker":"Andy Hart","startTime":3654.64,"endTime":3658.54,"body":"for us to be level six that"},{"speaker":"Andy Hart","startTime":3654.64,"endTime":3658.54,"body":"again, will mean more visually."},{"speaker":"Alan Smith","startTime":3658.54,"endTime":3663.49,"body":"Why is it even"},{"speaker":"Alan Smith","startTime":3658.54,"endTime":3663.49,"body":"anytime soon? That counting the"},{"speaker":"Alan Smith","startTime":3663.85,"endTime":3664.45,"body":"numbers."},{"speaker":"Andy Hart","startTime":3664.5699999999997,"endTime":3668.1099999999997,"body":"Yeah, we might lose."},{"speaker":"Andy Hart","startTime":3664.5699999999997,"endTime":3668.1099999999997,"body":"I don't know 30 40% of advisors"},{"speaker":"Andy Hart","startTime":3668.14,"endTime":3671.68,"body":"if that was the case. So yeah,"},{"speaker":"Andy Hart","startTime":3668.14,"endTime":3671.68,"body":"it was good. Good enough."},{"speaker":"Nick Lincoln","startTime":3673.72,"endTime":3675.7599999999998,"body":"Okay, we've given"},{"speaker":"Nick Lincoln","startTime":3673.72,"endTime":3675.7599999999998,"body":"those those questions down with"},{"speaker":"Nick Lincoln","startTime":3675.7599999999998,"endTime":3677.56,"body":"thrashings. So thank you"},{"speaker":"Nick Lincoln","startTime":3675.7599999999998,"endTime":3677.56,"body":"Trappists for sending them in,"},{"speaker":"Nick Lincoln","startTime":3677.56,"endTime":3681.16,"body":"keep on sending them in, in the"},{"speaker":"Nick Lincoln","startTime":3677.56,"endTime":3681.16,"body":"routes outlined earlier on, I"},{"speaker":"Nick Lincoln","startTime":3681.16,"endTime":3684.16,"body":"think it's time we moved on to"},{"speaker":"Nick Lincoln","startTime":3681.16,"endTime":3684.16,"body":"what many people call culture"},{"speaker":"Nick Lincoln","startTime":3684.16,"endTime":3684.58,"body":"corner"},{"speaker":"Nick Lincoln","startTime":3689.679,"endTime":3691.509,"body":"all four of us have got a"},{"speaker":"Nick Lincoln","startTime":3689.679,"endTime":3691.509,"body":"contribution. And we'll start"},{"speaker":"Nick Lincoln","startTime":3691.509,"endTime":3695.799,"body":"from the bottom up. Let's start"},{"speaker":"Nick Lincoln","startTime":3691.509,"endTime":3695.799,"body":"with Mr. Smith. The John dash"},{"speaker":"Nick Lincoln","startTime":3695.799,"endTime":3697.5989999999997,"body":"field power questions."},{"speaker":"Alan Smith","startTime":3698.319,"endTime":3702.219,"body":"Yes, just something"},{"speaker":"Alan Smith","startTime":3698.319,"endTime":3702.219,"body":"that I saw this this was a few"},{"speaker":"Alan Smith","startTime":3702.219,"endTime":3705.939,"body":"months ago, John, very kindly, I"},{"speaker":"Alan Smith","startTime":3702.219,"endTime":3705.939,"body":"don't know if anyone has met or"},{"speaker":"Alan Smith","startTime":3705.939,"endTime":3709.419,"body":"dealt with a guy called John"},{"speaker":"Alan Smith","startTime":3705.939,"endTime":3709.419,"body":"Nashville, John is a, I've got"},{"speaker":"Alan Smith","startTime":3709.419,"endTime":3714.609,"body":"the I've got the date yet an ex"},{"speaker":"Alan Smith","startTime":3709.419,"endTime":3714.609,"body":"financial planner. And he does a"},{"speaker":"Alan Smith","startTime":3714.609,"endTime":3717.189,"body":"lot of advising coaching and"},{"speaker":"Alan Smith","startTime":3714.609,"endTime":3717.189,"body":"consulting actually interesting"},{"speaker":"Alan Smith","startTime":3717.189,"endTime":3720.219,"body":"coaches linking a few of these"},{"speaker":"Alan Smith","startTime":3717.189,"endTime":3720.219,"body":"things together for those you"},{"speaker":"Alan Smith","startTime":3720.219,"endTime":3723.3689999999997,"body":"who deals with financial"},{"speaker":"Alan Smith","startTime":3720.219,"endTime":3723.3689999999997,"body":"planners and will do a lot of"},{"speaker":"Alan Smith","startTime":3723.3689999999997,"endTime":3725.979,"body":"kind of quite personal work in"},{"speaker":"Alan Smith","startTime":3723.3689999999997,"endTime":3725.979,"body":"terms of the, you know, the"},{"speaker":"Alan Smith","startTime":3725.979,"endTime":3729.069,"body":"personal coaching for advisors,"},{"speaker":"Alan Smith","startTime":3725.979,"endTime":3729.069,"body":"who in turn are giving advice to"},{"speaker":"Alan Smith","startTime":3729.069,"endTime":3732.189,"body":"their clients. So it's written a"},{"speaker":"Alan Smith","startTime":3729.069,"endTime":3732.189,"body":"quite a good book worth reading"},{"speaker":"Alan Smith","startTime":3732.189,"endTime":3734.8289999999997,"body":"as well. But John Ashfield, he's"},{"speaker":"Alan Smith","startTime":3732.189,"endTime":3734.8289999999997,"body":"relatively recently, and I know"},{"speaker":"Alan Smith","startTime":3734.8289999999997,"endTime":3737.049,"body":"you guys have gotten them if"},{"speaker":"Alan Smith","startTime":3734.8289999999997,"endTime":3737.049,"body":"you've seen these, Carl, but"},{"speaker":"Alan Smith","startTime":3737.3489999999997,"endTime":3741.7889999999998,"body":"he's created a set of what he"},{"speaker":"Alan Smith","startTime":3737.3489999999997,"endTime":3741.7889999999998,"body":"calls financial planning power"},{"speaker":"Alan Smith","startTime":3741.7889999999998,"endTime":3744.279,"body":"questions. So they're like"},{"speaker":"Alan Smith","startTime":3741.7889999999998,"endTime":3744.279,"body":"playing cards. And so there's"},{"speaker":"Alan Smith","startTime":3744.279,"endTime":3748.149,"body":"however many of them there is."},{"speaker":"Alan Smith","startTime":3744.279,"endTime":3748.149,"body":"But within this pack of cards,"},{"speaker":"Alan Smith","startTime":3748.269,"endTime":3750.0989999999997,"body":"there are some fabulous"},{"speaker":"Alan Smith","startTime":3748.269,"endTime":3750.0989999999997,"body":"questions if you want to sort of"},{"speaker":"Alan Smith","startTime":3750.0989999999997,"endTime":3754.029,"body":"learn how to really get in and"},{"speaker":"Alan Smith","startTime":3750.0989999999997,"endTime":3754.029,"body":"become better at, you know,"},{"speaker":"Alan Smith","startTime":3754.029,"endTime":3756.999,"body":"being a real financial planner,"},{"speaker":"Alan Smith","startTime":3754.029,"endTime":3756.999,"body":"when we're obviously asking"},{"speaker":"Alan Smith","startTime":3756.999,"endTime":3760.479,"body":"great questions, and then going"},{"speaker":"Alan Smith","startTime":3756.999,"endTime":3760.479,"body":"deeper and listening to the"},{"speaker":"Alan Smith","startTime":3760.479,"endTime":3763.209,"body":"answer. And then responding to"},{"speaker":"Alan Smith","startTime":3760.479,"endTime":3763.209,"body":"that. That's how you get that's"},{"speaker":"Alan Smith","startTime":3763.209,"endTime":3765.669,"body":"one of the ways you're going to"},{"speaker":"Alan Smith","startTime":3763.209,"endTime":3765.669,"body":"become a better financial"},{"speaker":"Alan Smith","startTime":3765.669,"endTime":3769.449,"body":"planner. So those are available"},{"speaker":"Alan Smith","startTime":3765.669,"endTime":3769.449,"body":"client centered advisors.com."},{"speaker":"Alan Smith","startTime":3769.749,"endTime":3771.759,"body":"Yeah, client centered"},{"speaker":"Alan Smith","startTime":3769.749,"endTime":3771.759,"body":"advisors.com. I'll put a link in"},{"speaker":"Alan Smith","startTime":3771.759,"endTime":3774.6389999999997,"body":"the show notes. worth checking"},{"speaker":"Alan Smith","startTime":3771.759,"endTime":3774.6389999999997,"body":"out a lot of John's work is"},{"speaker":"Alan Smith","startTime":3774.6389999999997,"endTime":3777.759,"body":"writing his blogs his book and"},{"speaker":"Alan Smith","startTime":3774.6389999999997,"endTime":3777.759,"body":"these cards. That's my"},{"speaker":"Alan Smith","startTime":3777.759,"endTime":3778.419,"body":"contribution."},{"speaker":"Nick Lincoln","startTime":3779.1389999999997,"endTime":3781.779,"body":"Excellent stuff."},{"speaker":"Nick Lincoln","startTime":3779.1389999999997,"endTime":3781.779,"body":"Thank you. And John Dashwood is"},{"speaker":"Nick Lincoln","startTime":3781.779,"endTime":3784.569,"body":"very down to earth he says"},{"speaker":"Nick Lincoln","startTime":3781.779,"endTime":3784.569,"body":"there's no as in crisis is which"},{"speaker":"Nick Lincoln","startTime":3784.569,"endTime":3787.779,"body":"is which is refreshing car,"},{"speaker":"Nick Lincoln","startTime":3784.569,"endTime":3787.779,"body":"you've got to you've got the"},{"speaker":"Nick Lincoln","startTime":3788.109,"endTime":3791.199,"body":"podcast you'd like to talk about"},{"speaker":"Nick Lincoln","startTime":3788.109,"endTime":3791.199,"body":"featuring the future World Cup"},{"speaker":"Nick Lincoln","startTime":3791.199,"endTime":3793.239,"body":"winner, Mira Toji, tell us tell"},{"speaker":"Nick Lincoln","startTime":3791.199,"endTime":3793.239,"body":"us about that car."},{"speaker":"Carl Widger","startTime":3794.7999999999997,"endTime":3796.75,"body":"He may well be"},{"speaker":"Carl Widger","startTime":3794.7999999999997,"endTime":3796.75,"body":"yeah, I've mentioned this"},{"speaker":"Carl Widger","startTime":3796.75,"endTime":3800.29,"body":"podcast before. And I just love"},{"speaker":"Carl Widger","startTime":3796.75,"endTime":3800.29,"body":"it. And because it's relevant"},{"speaker":"Carl Widger","startTime":3800.29,"endTime":3802.96,"body":"because the Six Nations on at"},{"speaker":"Carl Widger","startTime":3800.29,"endTime":3802.96,"body":"the moment, the high performance"},{"speaker":"Carl Widger","startTime":3802.96,"endTime":3806.7999999999997,"body":"podcast under the it's actually"},{"speaker":"Carl Widger","startTime":3802.96,"endTime":3806.7999999999997,"body":"not the latest version. It's"},{"speaker":"Carl Widger","startTime":3806.7999999999997,"endTime":3811.7799999999997,"body":"kind of Two episodes ago, they"},{"speaker":"Carl Widger","startTime":3806.7999999999997,"endTime":3811.7799999999997,"body":"interview Mauro Toji. And I just"},{"speaker":"Carl Widger","startTime":3811.7799999999997,"endTime":3814.39,"body":"thought it was a brilliant"},{"speaker":"Carl Widger","startTime":3811.7799999999997,"endTime":3814.39,"body":"interview, because he comes"},{"speaker":"Carl Widger","startTime":3814.39,"endTime":3818.98,"body":"across as a very kind of humble"},{"speaker":"Carl Widger","startTime":3814.39,"endTime":3818.98,"body":"kind of a shy kind of dude,"},{"speaker":"Carl Widger","startTime":3819.16,"endTime":3824.14,"body":"who's got who, but at the same"},{"speaker":"Carl Widger","startTime":3819.16,"endTime":3824.14,"body":"time, huge clarity of thought,"},{"speaker":"Carl Widger","startTime":3824.83,"endTime":3827.8599999999997,"body":"knows what his values are and"},{"speaker":"Carl Widger","startTime":3824.83,"endTime":3827.8599999999997,"body":"knows what he's about. And"},{"speaker":"Carl Widger","startTime":3827.8599999999997,"endTime":3831.31,"body":"that's like, the total opposite"},{"speaker":"Carl Widger","startTime":3827.8599999999997,"endTime":3831.31,"body":"to the player that we see"},{"speaker":"Carl Widger","startTime":3831.3399999999997,"endTime":3834.58,"body":"screaming and roaring in the"},{"speaker":"Carl Widger","startTime":3831.3399999999997,"endTime":3834.58,"body":"second row for England. He's"},{"speaker":"Carl Widger","startTime":3834.58,"endTime":3838.0899999999997,"body":"also a wonderful player, like he"},{"speaker":"Carl Widger","startTime":3834.58,"endTime":3838.0899999999997,"body":"really is absolutely top top"},{"speaker":"Carl Widger","startTime":3838.0899999999997,"endTime":3841.33,"body":"quality. But it was interesting"},{"speaker":"Carl Widger","startTime":3838.0899999999997,"endTime":3841.33,"body":"because I was listening to it"},{"speaker":"Carl Widger","startTime":3841.33,"endTime":3845.3199999999997,"body":"with with my young friend like"},{"speaker":"Carl Widger","startTime":3841.33,"endTime":3845.3199999999997,"body":"Mario Toji was playing was"},{"speaker":"Carl Widger","startTime":3845.3199999999997,"endTime":3848.08,"body":"brought into the senior training"},{"speaker":"Carl Widger","startTime":3845.3199999999997,"endTime":3848.08,"body":"squad and Saracens when he was"},{"speaker":"Carl Widger","startTime":3848.08,"endTime":3852.64,"body":"16 years of age. So this boy was"},{"speaker":"Carl Widger","startTime":3848.08,"endTime":3852.64,"body":"you know, they had him marked"},{"speaker":"Carl Widger","startTime":3852.64,"endTime":3855.79,"body":"out from the very, very early"},{"speaker":"Carl Widger","startTime":3852.64,"endTime":3855.79,"body":"on, but that high performance"},{"speaker":"Carl Widger","startTime":3855.79,"endTime":3858.73,"body":"podcast in general, I've"},{"speaker":"Carl Widger","startTime":3855.79,"endTime":3858.73,"body":"mentioned it before, just"},{"speaker":"Carl Widger","startTime":3858.73,"endTime":3862.63,"body":"absolutely fantastic, but I"},{"speaker":"Carl Widger","startTime":3858.73,"endTime":3862.63,"body":"really loved that. That episode,"},{"speaker":"Carl Widger","startTime":3862.63,"endTime":3865.42,"body":"and you know, it's just the"},{"speaker":"Carl Widger","startTime":3862.63,"endTime":3865.42,"body":"public perception of someone and"},{"speaker":"Carl Widger","startTime":3865.42,"endTime":3868.48,"body":"the actual individual can be so"},{"speaker":"Carl Widger","startTime":3865.42,"endTime":3868.48,"body":"different. So yeah, I really"},{"speaker":"Carl Widger","startTime":3868.48,"endTime":3868.93,"body":"enjoyed that."},{"speaker":"Alan Smith","startTime":3868.99,"endTime":3870.0699999999997,"body":"It's a bit of a"},{"speaker":"Alan Smith","startTime":3868.99,"endTime":3870.0699999999997,"body":"Lincoln."},{"speaker":"Carl Widger","startTime":3871.66,"endTime":3873.13,"body":"It's not at all"},{"speaker":"Nick Lincoln","startTime":3874.6,"endTime":3876.6099999999997,"body":"exception and the"},{"speaker":"Nick Lincoln","startTime":3874.6,"endTime":3876.6099999999997,"body":"real Nick Lincoln are unpleasant"},{"speaker":"Carl Widger","startTime":3878.98,"endTime":3881.7999999999997,"body":"or a little bit"},{"speaker":"Carl Widger","startTime":3878.98,"endTime":3881.7999999999997,"body":"worse than the person when"},{"speaker":"Carl Widger","startTime":3881.7999999999997,"endTime":3881.95,"body":"you're"},{"speaker":"Nick Lincoln","startTime":3882.88,"endTime":3885.91,"body":"Mr. Ito Jay is the"},{"speaker":"Nick Lincoln","startTime":3882.88,"endTime":3885.91,"body":"heart you've you've got a book"},{"speaker":"Nick Lincoln","startTime":3885.91,"endTime":3886.48,"body":"to talk about."},{"speaker":"Andy Hart","startTime":3887.35,"endTime":3889.75,"body":"It's Oh, Jay is from"},{"speaker":"Andy Hart","startTime":3887.35,"endTime":3889.75,"body":"my neck of the woods. We both"},{"speaker":"Andy Hart","startTime":3889.75,"endTime":3894.31,"body":"went to school in Harrow. I'll"},{"speaker":"Andy Hart","startTime":3889.75,"endTime":3894.31,"body":"move on from that Andy"},{"speaker":"Nick Lincoln","startTime":3902.17,"endTime":3914.8599999999997,"body":"Andy, no. Candy"},{"speaker":"Nick Lincoln","startTime":3902.17,"endTime":3914.8599999999997,"body":"Crush across. I told you you"},{"speaker":"Nick Lincoln","startTime":3914.8599999999997,"endTime":3915.52,"body":"were saying it."},{"speaker":"Andy Hart","startTime":3916.18,"endTime":3918.46,"body":"I'm pretty sure Maria"},{"speaker":"Andy Hart","startTime":3916.18,"endTime":3918.46,"body":"Tojo went to Harrow School."},{"speaker":"Andy Hart","startTime":3918.52,"endTime":3920.89,"body":"Obviously I didn't go to her"},{"speaker":"Andy Hart","startTime":3918.52,"endTime":3920.89,"body":"school. But yeah, it's very"},{"speaker":"Andy Hart","startTime":3920.89,"endTime":3923.29,"body":"close to my my. Yeah. And he"},{"speaker":"Nick Lincoln","startTime":3923.29,"endTime":3926.7999999999997,"body":"went, he went to a"},{"speaker":"Nick Lincoln","startTime":3923.29,"endTime":3926.7999999999997,"body":"composting. He went to a"},{"speaker":"Nick Lincoln","startTime":3926.7999999999997,"endTime":3927.46,"body":"conference, our"},{"speaker":"Andy Hart","startTime":3927.46,"endTime":3932.65,"body":"school. Oh my god, I"},{"speaker":"Andy Hart","startTime":3927.46,"endTime":3932.65,"body":"Okay, move on. So my book"},{"speaker":"Andy Hart","startTime":3932.65,"endTime":3936.52,"body":"recommendation is a path through"},{"speaker":"Andy Hart","startTime":3932.65,"endTime":3936.52,"body":"the jungle. It's on Audible and"},{"speaker":"Andy Hart","startTime":3936.52,"endTime":3939.67,"body":"it's free if you've got an"},{"speaker":"Andy Hart","startTime":3936.52,"endTime":3939.67,"body":"audible subscription. It's"},{"speaker":"Andy Hart","startTime":3939.67,"endTime":3942.64,"body":"called a path through the"},{"speaker":"Andy Hart","startTime":3939.67,"endTime":3942.64,"body":"jungle, a psychological health"},{"speaker":"Andy Hart","startTime":3942.64,"endTime":3945.4,"body":"and well being program to"},{"speaker":"Andy Hart","startTime":3942.64,"endTime":3945.4,"body":"develop robustness and"},{"speaker":"Andy Hart","startTime":3945.4,"endTime":3948.85,"body":"resilience. So it's sort of on"},{"speaker":"Andy Hart","startTime":3945.4,"endTime":3948.85,"body":"topic today. It's the guy who"},{"speaker":"Andy Hart","startTime":3948.85,"endTime":3953.83,"body":"wrote the Chimp Paradox."},{"speaker":"Andy Hart","startTime":3948.85,"endTime":3953.83,"body":"Professor, Professor, Steve"},{"speaker":"Andy Hart","startTime":3953.8599999999997,"endTime":3958.2999999999997,"body":"Peters, is a very sort of"},{"speaker":"Andy Hart","startTime":3953.8599999999997,"endTime":3958.2999999999997,"body":"accessible chap, and it's"},{"speaker":"Andy Hart","startTime":3958.33,"endTime":3961.63,"body":"narrated by him as worth"},{"speaker":"Andy Hart","startTime":3958.33,"endTime":3961.63,"body":"listening to. If you've got an"},{"speaker":"Andy Hart","startTime":3961.66,"endTime":3966.0699999999997,"body":"audible subscription, it's free"},{"speaker":"Andy Hart","startTime":3961.66,"endTime":3966.0699999999997,"body":"to download. I'm sort of three"},{"speaker":"Andy Hart","startTime":3966.0699999999997,"endTime":3969.67,"body":"chapters into it. It's pretty"},{"speaker":"Andy Hart","startTime":3966.0699999999997,"endTime":3969.67,"body":"decent. That's my recommendation"},{"speaker":"Andy Hart","startTime":3969.67,"endTime":3971.83,"body":"for this fortnight. Over to you."},{"speaker":"Nick Lincoln","startTime":3972.0389999999998,"endTime":3976.239,"body":"Thank you, Andrew."},{"speaker":"Nick Lincoln","startTime":3972.0389999999998,"endTime":3976.239,"body":"In our in our agenda for The"},{"speaker":"Nick Lincoln","startTime":3976.239,"endTime":3978.5789999999997,"body":"show Believe it or not, dear"},{"speaker":"Nick Lincoln","startTime":3976.239,"endTime":3978.5789999999997,"body":"trappers we do have something"},{"speaker":"Nick Lincoln","startTime":3978.609,"endTime":3981.399,"body":"that resembles an agenda. You'd"},{"speaker":"Nick Lincoln","startTime":3978.609,"endTime":3981.399,"body":"put a path through the jungle"},{"speaker":"Nick Lincoln","startTime":3981.399,"endTime":3984.7889999999998,"body":"book. I thought we're gonna talk"},{"speaker":"Nick Lincoln","startTime":3981.399,"endTime":3984.7889999999998,"body":"about the Disney film from 1967."},{"speaker":"Nick Lincoln","startTime":3985.719,"endTime":3990.3089999999997,"body":"Sadly, I'm sure they're"},{"speaker":"Nick Lincoln","startTime":3985.719,"endTime":3990.3089999999997,"body":"swingers. Oh, and the king of"},{"speaker":"Nick Lincoln","startTime":3990.3089999999997,"endTime":3993.549,"body":"the swingers man, a jungle VIP"},{"speaker":"Nick Lincoln","startTime":3990.3089999999997,"endTime":3993.549,"body":"and all that brilliant."},{"speaker":"Nick Lincoln","startTime":3993.5789999999997,"endTime":3994.779,"body":"Actually, it's my favorite"},{"speaker":"Nick Lincoln","startTime":3993.5789999999997,"endTime":3994.779,"body":"Disney film,"},{"speaker":"Alan Smith","startTime":3995.0499999999997,"endTime":3996.67,"body":"by the way, so told"},{"speaker":"Alan Smith","startTime":3995.0499999999997,"endTime":3996.67,"body":"you did go to you got a"},{"speaker":"Alan Smith","startTime":3996.67,"endTime":3999.73,"body":"scholarship to Harrow School."},{"speaker":"Alan Smith","startTime":3996.67,"endTime":3999.73,"body":"There you go."},{"speaker":"Nick Lincoln","startTime":4002.67,"endTime":4006.3599999999997,"body":"So I've got one as"},{"speaker":"Nick Lincoln","startTime":4002.67,"endTime":4006.3599999999997,"body":"well, just quickly. So modern"},{"speaker":"Nick Lincoln","startTime":4006.3599999999997,"endTime":4009.75,"body":"wisdom is one of these podcasts"},{"speaker":"Nick Lincoln","startTime":4006.3599999999997,"endTime":4009.75,"body":"that I think Chris Williams does"},{"speaker":"Nick Lincoln","startTime":4009.75,"endTime":4012.8399999999997,"body":"that he's very prodigious"},{"speaker":"Nick Lincoln","startTime":4009.75,"endTime":4012.8399999999997,"body":"podcaster he has loads of"},{"speaker":"Nick Lincoln","startTime":4012.8399999999997,"endTime":4015.0,"body":"episodes, and I kind of dip in"},{"speaker":"Nick Lincoln","startTime":4012.8399999999997,"endTime":4015.0,"body":"and out depending on who the"},{"speaker":"Nick Lincoln","startTime":4015.0,"endTime":4017.0699999999997,"body":"guest is. But the most recent"},{"speaker":"Nick Lincoln","startTime":4015.0,"endTime":4017.0699999999997,"body":"episode, I think it was if it's"},{"speaker":"Nick Lincoln","startTime":4017.0699999999997,"endTime":4020.94,"body":"not the most recent is to back"},{"speaker":"Nick Lincoln","startTime":4017.0699999999997,"endTime":4020.94,"body":"episode 190 Rory Sutherland, who"},{"speaker":"Nick Lincoln","startTime":4020.94,"endTime":4023.0099999999998,"body":"we all just like, you know, you"},{"speaker":"Nick Lincoln","startTime":4020.94,"endTime":4023.0099999999998,"body":"just stick Rory in front of a"},{"speaker":"Nick Lincoln","startTime":4023.04,"endTime":4025.68,"body":"microphone, you ask him one"},{"speaker":"Nick Lincoln","startTime":4023.04,"endTime":4025.68,"body":"question. And then 70 minutes"},{"speaker":"Nick Lincoln","startTime":4025.68,"endTime":4028.8599999999997,"body":"later, you just stop recording"},{"speaker":"Nick Lincoln","startTime":4025.68,"endTime":4028.8599999999997,"body":"button. And it's just awful."},{"speaker":"Nick Lincoln","startTime":4028.89,"endTime":4031.41,"body":"extemporize all kinds of stuffs"},{"speaker":"Nick Lincoln","startTime":4028.89,"endTime":4031.41,"body":"but he's got to see like"},{"speaker":"Nick Lincoln","startTime":4031.41,"endTime":4034.68,"body":"Japanese toilets, which is"},{"speaker":"Nick Lincoln","startTime":4031.41,"endTime":4034.68,"body":"definitely a thing. But that's"},{"speaker":"Nick Lincoln","startTime":4034.68,"endTime":4037.74,"body":"that's that's, that's good fun"},{"speaker":"Nick Lincoln","startTime":4034.68,"endTime":4037.74,"body":"and that stairlift stair lifts."},{"speaker":"Nick Lincoln","startTime":4037.98,"endTime":4040.5299999999997,"body":"And Roy has been at humans on"},{"speaker":"Nick Lincoln","startTime":4037.98,"endTime":4040.5299999999997,"body":"the management. I think he came"},{"speaker":"Nick Lincoln","startTime":4040.5299999999997,"endTime":4045.7799999999997,"body":"in as the second rank speaker"},{"speaker":"Nick Lincoln","startTime":4040.5299999999997,"endTime":4045.7799999999997,"body":"after. Yeah, it was, of course,"},{"speaker":"Alan Smith","startTime":4045.81,"endTime":4048.39,"body":"if you want if you"},{"speaker":"Alan Smith","startTime":4045.81,"endTime":4048.39,"body":"want to laugh listen to Andy"},{"speaker":"Alan Smith","startTime":4048.39,"endTime":4051.9,"body":"Hall, interviewing the famous"},{"speaker":"Alan Smith","startTime":4048.39,"endTime":4051.9,"body":"Rory, you because that's exactly"},{"speaker":"Alan Smith","startTime":4051.9,"endTime":4054.0899999999997,"body":"what he does. ask them one"},{"speaker":"Alan Smith","startTime":4051.9,"endTime":4054.0899999999997,"body":"question he keeps on trying to"},{"speaker":"Alan Smith","startTime":4054.0899999999997,"endTime":4059.0699999999997,"body":"interrupt when other writers"},{"speaker":"Alan Smith","startTime":4054.0899999999997,"endTime":4059.0699999999997,"body":"carried this steamrollers across"},{"speaker":"Alan Smith","startTime":4059.0699999999997,"endTime":4062.19,"body":"his host. And thank you good"},{"speaker":"Alan Smith","startTime":4059.0699999999997,"endTime":4062.19,"body":"night."},{"speaker":"Andy Hart","startTime":4062.7,"endTime":4064.89,"body":"So when he spoke at"},{"speaker":"Andy Hart","startTime":4062.7,"endTime":4064.89,"body":"humans on the management, he was"},{"speaker":"Andy Hart","startTime":4064.89,"endTime":4067.3199999999997,"body":"the final speaker, the keynote"},{"speaker":"Andy Hart","startTime":4064.89,"endTime":4067.3199999999997,"body":"of the day. So he was on and so"},{"speaker":"Andy Hart","startTime":4067.3199999999997,"endTime":4070.5299999999997,"body":"forth. He arrived about quarter,"},{"speaker":"Andy Hart","startTime":4067.3199999999997,"endTime":4070.5299999999997,"body":"quarter past four. So I'm"},{"speaker":"Andy Hart","startTime":4070.5299999999997,"endTime":4073.08,"body":"frantically trying to find him"},{"speaker":"Andy Hart","startTime":4070.5299999999997,"endTime":4073.08,"body":"and is at the front of the"},{"speaker":"Andy Hart","startTime":4073.08,"endTime":4075.9,"body":"auditorium. I got to him. He's"},{"speaker":"Andy Hart","startTime":4073.08,"endTime":4075.9,"body":"actually going on stage in five"},{"speaker":"Andy Hart","startTime":4075.9,"endTime":4078.39,"body":"minutes time. He said, Andy,"},{"speaker":"Andy Hart","startTime":4075.9,"endTime":4078.39,"body":"just so I'm clear. Is it a"},{"speaker":"Andy Hart","startTime":4078.39,"endTime":4082.08,"body":"keynote speech? Or are we doing"},{"speaker":"Andy Hart","startTime":4078.39,"endTime":4082.08,"body":"a fireside chat? This is five"},{"speaker":"Andy Hart","startTime":4082.08,"endTime":4084.5699999999997,"body":"minutes before going on? I said"},{"speaker":"Andy Hart","startTime":4082.08,"endTime":4084.5699999999997,"body":"no, no, it's the keynote. It's"},{"speaker":"Andy Hart","startTime":4084.5699999999997,"endTime":4087.0899999999997,"body":"you for 45 minutes. He's like,"},{"speaker":"Andy Hart","startTime":4084.5699999999997,"endTime":4087.0899999999997,"body":"okay, fine, fine, fine, fine,"},{"speaker":"Andy Hart","startTime":4087.0899999999997,"endTime":4090.75,"body":"fine. And it just goes up there"},{"speaker":"Andy Hart","startTime":4087.0899999999997,"endTime":4090.75,"body":"and just rocks it. So yeah, very"},{"speaker":"Andy Hart","startTime":4090.75,"endTime":4090.96,"body":"much."},{"speaker":"Nick Lincoln","startTime":4092.64,"endTime":4095.2799999999997,"body":"That is a skill"},{"speaker":"Nick Lincoln","startTime":4092.64,"endTime":4095.2799999999997,"body":"set. That's a real skill set."},{"speaker":"Nick Lincoln","startTime":4095.64,"endTime":4099.1500000000005,"body":"Okay, gentleman, we're at 67"},{"speaker":"Nick Lincoln","startTime":4095.64,"endTime":4099.1500000000005,"body":"minutes. Somehow we haven't"},{"speaker":"Nick Lincoln","startTime":4099.1500000000005,"endTime":4102.57,"body":"killed each other, the tech has"},{"speaker":"Nick Lincoln","startTime":4099.1500000000005,"endTime":4102.57,"body":"not collapsed, which I'm"},{"speaker":"Nick Lincoln","startTime":4102.57,"endTime":4104.52,"body":"eternally grateful I've got"},{"speaker":"Nick Lincoln","startTime":4102.57,"endTime":4104.52,"body":"through the show with an awful"},{"speaker":"Nick Lincoln","startTime":4104.52,"endTime":4107.22,"body":"head cold. So I do if I sound"},{"speaker":"Nick Lincoln","startTime":4104.52,"endTime":4107.22,"body":"more nasally and adenoidal than"},{"speaker":"Nick Lincoln","startTime":4107.22,"endTime":4109.5,"body":"normal, I do apologize, dear"},{"speaker":"Nick Lincoln","startTime":4107.22,"endTime":4109.5,"body":"Trappists. You know what to do,"},{"speaker":"Nick Lincoln","startTime":4109.5,"endTime":4112.35,"body":"right? Like and subscribe on"},{"speaker":"Nick Lincoln","startTime":4109.5,"endTime":4112.35,"body":"YouTube, tell three of your"},{"speaker":"Nick Lincoln","startTime":4112.35,"endTime":4115.56,"body":"peers about us. Please give us a"},{"speaker":"Nick Lincoln","startTime":4112.35,"endTime":4115.56,"body":"six out of five star review on"},{"speaker":"Nick Lincoln","startTime":4115.56,"endTime":4118.74,"body":"iTunes. It all helps us if it"},{"speaker":"Nick Lincoln","startTime":4115.56,"endTime":4118.74,"body":"helps us. It's going to help you"},{"speaker":"Nick Lincoln","startTime":4118.74,"endTime":4121.5,"body":"this is a this is one of those"},{"speaker":"Nick Lincoln","startTime":4118.74,"endTime":4121.5,"body":"circles that goes round and"},{"speaker":"Nick Lincoln","startTime":4121.5,"endTime":4123.99,"body":"round and round and just gets"},{"speaker":"Nick Lincoln","startTime":4121.5,"endTime":4123.99,"body":"better and better. I don't know"},{"speaker":"Nick Lincoln","startTime":4123.99,"endTime":4131.1900000000005,"body":"where I'm going. Next. I think"},{"speaker":"Nick Lincoln","startTime":4123.99,"endTime":4131.1900000000005,"body":"it's time to wrap up and we will"},{"speaker":"Nick Lincoln","startTime":4131.22,"endTime":4134.76,"body":"see each other in two weeks time"},{"speaker":"Nick Lincoln","startTime":4131.22,"endTime":4134.76,"body":"in the studio of doom. Until"},{"speaker":"Nick Lincoln","startTime":4134.76,"endTime":4137.34,"body":"then. Take care out there guys."},{"speaker":"Alan Smith","startTime":4137.82,"endTime":4140.52,"body":"Goodbye for now."},{"speaker":"Alan Smith","startTime":4137.82,"endTime":4140.52,"body":"Goodbye, everybody."}]}