{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":14.58,"endTime":19.32,"body":"You Welcome to The Real"},{"speaker":"Unknown","startTime":14.58,"endTime":19.32,"body":"advisor podcast, T, R, A, P, T,"},{"speaker":"Unknown","startTime":20.1,"endTime":23.36,"body":"please follow us and join in the"},{"speaker":"Unknown","startTime":20.1,"endTime":23.36,"body":"conversation on Twitter at"},{"speaker":"Unknown","startTime":23.36,"endTime":27.08,"body":"advisor podcast, where you can"},{"speaker":"Unknown","startTime":23.36,"endTime":27.08,"body":"suggest ideas and themes you'd"},{"speaker":"Unknown","startTime":27.08,"endTime":30.56,"body":"like the trap team to discuss."},{"speaker":"Unknown","startTime":27.08,"endTime":30.56,"body":"Also remember to like and"},{"speaker":"Unknown","startTime":30.56,"endTime":34.16,"body":"subscribe to our YouTube channel"},{"speaker":"Unknown","startTime":30.56,"endTime":34.16,"body":"and leave a six out of five star"},{"speaker":"Unknown","startTime":34.16,"endTime":38.12,"body":"review on iTunes. Doing all this"},{"speaker":"Unknown","startTime":34.16,"endTime":38.12,"body":"really, really helps us, which"},{"speaker":"Unknown","startTime":38.12,"endTime":41.5,"body":"means we can do more to help"},{"speaker":"Unknown","startTime":38.12,"endTime":41.5,"body":"you. Now, let's head over to the"},{"speaker":"Unknown","startTime":41.62,"endTime":43.96,"body":"studio for the latest pile of"},{"speaker":"Unknown","startTime":41.62,"endTime":43.96,"body":"trap yes,"},{"speaker":"Nick Lincoln","startTime":49.84,"endTime":51.58,"body":"indeed, dear"},{"speaker":"Nick Lincoln","startTime":49.84,"endTime":51.58,"body":"TRAPPIST, welcome back to what"},{"speaker":"Nick Lincoln","startTime":51.58,"endTime":55.0,"body":"many people are calling episode"},{"speaker":"Nick Lincoln","startTime":51.58,"endTime":55.0,"body":"78 of the real advisor podcast,"},{"speaker":"Nick Lincoln","startTime":55.06,"endTime":58.48,"body":"T, R, A, P, trap. My name is"},{"speaker":"Nick Lincoln","startTime":55.06,"endTime":58.48,"body":"officially lick Lincoln, and"},{"speaker":"Nick Lincoln","startTime":58.48,"endTime":61.44,"body":"joining me as ever in the"},{"speaker":"Nick Lincoln","startTime":58.48,"endTime":61.44,"body":"digital studio of doom, are the"},{"speaker":"Nick Lincoln","startTime":61.44,"endTime":64.5,"body":"three other Horsemen of the"},{"speaker":"Nick Lincoln","startTime":61.44,"endTime":64.5,"body":"Apocalypse, Alan, the"},{"speaker":"Nick Lincoln","startTime":64.5,"endTime":69.9,"body":"storyteller, Smith and the ultra"},{"speaker":"Nick Lincoln","startTime":64.5,"endTime":69.9,"body":"heart and Carl the voice, della"},{"speaker":"Nick Lincoln","startTime":69.9,"endTime":76.02,"body":"vocci wiger, now, gentlemen, we"},{"speaker":"Nick Lincoln","startTime":69.9,"endTime":76.02,"body":"have a show pack full about"},{"speaker":"Nick Lincoln","startTime":76.56,"endTime":79.38,"body":"absolutely nothing. So let's"},{"speaker":"Nick Lincoln","startTime":76.56,"endTime":79.38,"body":"start unpacking it straight away"},{"speaker":"Nick Lincoln","startTime":79.38,"endTime":83.18,"body":"with some my with some more high"},{"speaker":"Nick Lincoln","startTime":79.38,"endTime":83.18,"body":"energy review reads all read"},{"speaker":"Nick Lincoln","startTime":83.18,"endTime":87.32,"body":"from my good friend the right"},{"speaker":"Nick Lincoln","startTime":83.18,"endTime":87.32,"body":"honorable Mr. Andrew Usain Hart,"},{"speaker":"Nick Lincoln","startTime":87.74,"endTime":88.04,"body":"thank"},{"speaker":"Andy Hart","startTime":88.04,"endTime":90.5,"body":"you very much."},{"speaker":"Andy Hart","startTime":88.04,"endTime":90.5,"body":"Nicholas, uh, obviously got a"},{"speaker":"Andy Hart","startTime":90.5,"endTime":92.84,"body":"bit of a cold, but that's fine,"},{"speaker":"Andy Hart","startTime":90.5,"endTime":92.84,"body":"mate. We'll get through this."},{"speaker":"Andy Hart","startTime":93.38,"endTime":96.44,"body":"That's referring to you. Okay."},{"speaker":"Andy Hart","startTime":93.38,"endTime":96.44,"body":"So this review is from Jack"},{"speaker":"Andy Hart","startTime":96.44,"endTime":99.68,"body":"Jones. IFA, six out of five"},{"speaker":"Andy Hart","startTime":96.44,"endTime":99.68,"body":"stars. 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Team behind it. Alan"},{"speaker":"Andy Hart","startTime":130.38,"endTime":135.06,"body":"Smith, Andrew Andy Hart, Carl"},{"speaker":"Andy Hart","startTime":130.38,"endTime":135.06,"body":"wiger, Nick Lincoln, six out of"},{"speaker":"Andy Hart","startTime":135.06,"endTime":139.32,"body":"five stars for me, this should"},{"speaker":"Andy Hart","startTime":135.06,"endTime":139.32,"body":"qualify as structured. CPD. Back"},{"speaker":"Andy Hart","startTime":139.32,"endTime":140.28,"body":"to you. Nicholas,"},{"speaker":"Nick Lincoln","startTime":141.18,"endTime":143.3,"body":"wow. Jack Jones,"},{"speaker":"Nick Lincoln","startTime":141.18,"endTime":143.3,"body":"thank you. Jack Jones was, was a"},{"speaker":"Nick Lincoln","startTime":143.3,"endTime":146.3,"body":"1970s trade union leader, Smith,"},{"speaker":"Nick Lincoln","startTime":143.3,"endTime":146.3,"body":"and I remember the name Jack"},{"speaker":"Nick Lincoln","startTime":146.3,"endTime":150.5,"body":"Jones. Thank you for your"},{"speaker":"Nick Lincoln","startTime":146.3,"endTime":150.5,"body":"review. Dear TRAPPIST, please do"},{"speaker":"Nick Lincoln","startTime":150.5,"endTime":153.74,"body":"keep me coming in. It gives us a"},{"speaker":"Nick Lincoln","startTime":150.5,"endTime":153.74,"body":"real shot in the arm, and it"},{"speaker":"Nick Lincoln","startTime":153.74,"endTime":157.1,"body":"helps boost our rankings and"},{"speaker":"Nick Lincoln","startTime":153.74,"endTime":157.1,"body":"makes us go better on the"},{"speaker":"Nick Lincoln","startTime":157.1,"endTime":159.44,"body":"algorithm on the interweb"},{"speaker":"Nick Lincoln","startTime":157.1,"endTime":159.44,"body":"thingy, me jiggy. Okay, let's"},{"speaker":"Nick Lincoln","startTime":159.44,"endTime":162.02,"body":"put a, let's put a timestamp on"},{"speaker":"Nick Lincoln","startTime":159.44,"endTime":162.02,"body":"episode. Yes, I have got a head"},{"speaker":"Nick Lincoln","startTime":162.02,"endTime":164.14,"body":"cold, by the way, so I if way,"},{"speaker":"Nick Lincoln","startTime":162.02,"endTime":164.14,"body":"so I if my breathing gets"},{"speaker":"Nick Lincoln","startTime":164.14,"endTime":166.72,"body":"onerous, it's just me having"},{"speaker":"Nick Lincoln","startTime":164.14,"endTime":166.72,"body":"breathing problems because my"},{"speaker":"Nick Lincoln","startTime":166.72,"endTime":169.6,"body":"cold. Nothing more nefarious"},{"speaker":"Nick Lincoln","startTime":166.72,"endTime":169.6,"body":"than that. Let's put a timestamp"},{"speaker":"Nick Lincoln","startTime":169.6,"endTime":175.36,"body":"on episode 78 How would you"},{"speaker":"Nick Lincoln","startTime":169.6,"endTime":175.36,"body":"watch? How's your holiday Nick?"},{"speaker":"Nick Lincoln","startTime":176.56,"endTime":179.92,"body":"How's my holiday Ultra? Yeah."},{"speaker":"Nick Lincoln","startTime":176.56,"endTime":179.92,"body":"Well, apart from the cold, very"},{"speaker":"Nick Lincoln","startTime":179.92,"endTime":181.92,"body":"good. I mean, I'm in"},{"speaker":"Nick Lincoln","startTime":179.92,"endTime":181.92,"body":"northeastern Spain, a little"},{"speaker":"Nick Lincoln","startTime":182.46,"endTime":186.78,"body":"coastal village on the Costa"},{"speaker":"Nick Lincoln","startTime":182.46,"endTime":186.78,"body":"Brava called Begu. The closest,"},{"speaker":"Nick Lincoln","startTime":187.14,"endTime":189.72,"body":"closest city is Perpignan in"},{"speaker":"Nick Lincoln","startTime":187.14,"endTime":189.72,"body":"France. If you've been to the"},{"speaker":"Nick Lincoln","startTime":189.72,"endTime":192.6,"body":"cost most of us, I think, go to"},{"speaker":"Nick Lincoln","startTime":189.72,"endTime":192.6,"body":"the Costa Blanca, Costa del Sol,"},{"speaker":"Nick Lincoln","startTime":192.9,"endTime":195.9,"body":"right? Massive expanses of"},{"speaker":"Nick Lincoln","startTime":192.9,"endTime":195.9,"body":"beaches, very wide, open, big"},{"speaker":"Nick Lincoln","startTime":195.9,"endTime":199.56,"body":"skies. This is coves and pines"},{"speaker":"Nick Lincoln","startTime":195.9,"endTime":199.56,"body":"and cypress trees, and it's"},{"speaker":"Nick Lincoln","startTime":199.56,"endTime":202.52,"body":"Rocky, and it's, it's stunning."},{"speaker":"Nick Lincoln","startTime":199.56,"endTime":202.52,"body":"I would, I would very much"},{"speaker":"Nick Lincoln","startTime":202.52,"endTime":205.22,"body":"suggest I wouldn't just come in"},{"speaker":"Nick Lincoln","startTime":202.52,"endTime":205.22,"body":"here with a head cold. But you"},{"speaker":"Nick Lincoln","startTime":205.22,"endTime":207.92,"body":"can't always plan these things,"},{"speaker":"Nick Lincoln","startTime":205.22,"endTime":207.92,"body":"can you? So there we go. And you"},{"speaker":"Nick Lincoln","startTime":207.92,"endTime":210.68,"body":"gotta like seafood, their lights"},{"speaker":"Nick Lincoln","startTime":207.92,"endTime":210.68,"body":"on their meat. Here they love,"},{"speaker":"Nick Lincoln","startTime":210.68,"endTime":213.08,"body":"they love their seafood. So if"},{"speaker":"Nick Lincoln","startTime":210.68,"endTime":213.08,"body":"you're not a pescatarian type,"},{"speaker":"Nick Lincoln","startTime":213.74,"endTime":214.52,"body":"maybe avoid"},{"speaker":"Carl Widger","startTime":214.52,"endTime":216.62,"body":"but thank you for"},{"speaker":"Carl Widger","startTime":214.52,"endTime":216.62,"body":"asking. Sounds like heaven."},{"speaker":"Carl Widger","startTime":216.68,"endTime":217.16,"body":"Nick,"},{"speaker":"Nick Lincoln","startTime":217.339,"endTime":219.799,"body":"it is absolutely"},{"speaker":"Nick Lincoln","startTime":217.339,"endTime":219.799,"body":"stunning. You saw the photograph"},{"speaker":"Nick Lincoln","startTime":219.799,"endTime":222.339,"body":"I sent you. It is every, every"},{"speaker":"Nick Lincoln","startTime":219.799,"endTime":222.339,"body":"corner you go around is a new"},{"speaker":"Nick Lincoln","startTime":222.339,"endTime":226.719,"body":"bay with these, just these,"},{"speaker":"Nick Lincoln","startTime":222.339,"endTime":226.719,"body":"these rocks and these trees and"},{"speaker":"Nick Lincoln","startTime":226.719,"endTime":230.019,"body":"this turquoise sea, and it's"},{"speaker":"Nick Lincoln","startTime":226.719,"endTime":230.019,"body":"crystal clear. I mean, you know,"},{"speaker":"Nick Lincoln","startTime":230.019,"endTime":232.479,"body":"snorkeling heaven, if you like,"},{"speaker":"Nick Lincoln","startTime":230.019,"endTime":232.479,"body":"that kind of thing as well."},{"speaker":"Nick Lincoln","startTime":233.319,"endTime":237.279,"body":"Would highly recommend and"},{"speaker":"Nick Lincoln","startTime":233.319,"endTime":237.279,"body":"Stansted dear TRAPPIST, if you,"},{"speaker":"Nick Lincoln","startTime":237.279,"endTime":240.599,"body":"if you say, wish, okay, let's"},{"speaker":"Nick Lincoln","startTime":237.279,"endTime":240.599,"body":"put let's do this. Let's get"},{"speaker":"Nick Lincoln","startTime":240.599,"endTime":242.819,"body":"this thing on the road. We've"},{"speaker":"Nick Lincoln","startTime":240.599,"endTime":242.819,"body":"got quite a busy slate, even"},{"speaker":"Nick Lincoln","startTime":242.819,"endTime":245.099,"body":"though we're in the dog days of"},{"speaker":"Nick Lincoln","startTime":242.819,"endTime":245.099,"body":"summer. Dear TRAPPIST, we're"},{"speaker":"Nick Lincoln","startTime":245.099,"endTime":247.799,"body":"putting it out for you as ever,"},{"speaker":"Nick Lincoln","startTime":245.099,"endTime":247.799,"body":"the four of us are all pulling"},{"speaker":"Nick Lincoln","startTime":248.159,"endTime":250.019,"body":"it out. What lead off?"},{"speaker":"Carl Widger","startTime":250.74,"endTime":254.04,"body":"Yeah, so it's"},{"speaker":"Carl Widger","startTime":250.74,"endTime":254.04,"body":"interesting. I suppose there's"},{"speaker":"Carl Widger","startTime":254.04,"endTime":256.86,"body":"going to be a couple of times"},{"speaker":"Carl Widger","startTime":254.04,"endTime":256.86,"body":"where we're mentioning people"},{"speaker":"Carl Widger","startTime":256.86,"endTime":261.32,"body":"that we've mentioned a good few"},{"speaker":"Carl Widger","startTime":256.86,"endTime":261.32,"body":"times before. And this is"},{"speaker":"Carl Widger","startTime":261.56,"endTime":267.56,"body":"Charlie belello. YouTube video"},{"speaker":"Carl Widger","startTime":261.56,"endTime":267.56,"body":"from creative planning mentioned"},{"speaker":"Carl Widger","startTime":267.56,"endTime":271.64,"body":"him a good few times before,"},{"speaker":"Carl Widger","startTime":267.56,"endTime":271.64,"body":"really, really. If you haven't"},{"speaker":"Carl Widger","startTime":271.64,"endTime":275.24,"body":"got on to Charlie belello And"},{"speaker":"Carl Widger","startTime":271.64,"endTime":275.24,"body":"Peter maluke stuff, you really"},{"speaker":"Carl Widger","startTime":275.24,"endTime":279.26,"body":"should. This is a brilliant"},{"speaker":"Carl Widger","startTime":275.24,"endTime":279.26,"body":"video about its charts. You"},{"speaker":"Carl Widger","startTime":279.26,"endTime":281.5,"body":"should have on your wall. I"},{"speaker":"Carl Widger","startTime":279.26,"endTime":281.5,"body":"think, is kind of what he's what"},{"speaker":"Carl Widger","startTime":281.5,"endTime":287.32,"body":"he's saying, but it's 50 minutes"},{"speaker":"Carl Widger","startTime":281.5,"endTime":287.32,"body":"or thereabouts of busting some"},{"speaker":"Carl Widger","startTime":287.32,"endTime":292.3,"body":"myths, and it's really, really"},{"speaker":"Carl Widger","startTime":287.32,"endTime":292.3,"body":"good. And the out at the outset,"},{"speaker":"Carl Widger","startTime":292.72,"endTime":297.58,"body":"I suppose the team is investing"},{"speaker":"Carl Widger","startTime":292.72,"endTime":297.58,"body":"at all time highs. And if you've"},{"speaker":"Carl Widger","startTime":297.58,"endTime":300.72,"body":"got new clients coming in, I"},{"speaker":"Carl Widger","startTime":297.58,"endTime":300.72,"body":"It's probably. Probably easier"},{"speaker":"Carl Widger","startTime":300.72,"endTime":303.54,"body":"if you've got existing clients"},{"speaker":"Carl Widger","startTime":300.72,"endTime":303.54,"body":"talking about investing now, and"},{"speaker":"Carl Widger","startTime":303.54,"endTime":305.82,"body":"the best time to invest is"},{"speaker":"Carl Widger","startTime":303.54,"endTime":305.82,"body":"straight away. But if you have"},{"speaker":"Carl Widger","startTime":305.82,"endTime":308.16,"body":"new clients and you're"},{"speaker":"Carl Widger","startTime":305.82,"endTime":308.16,"body":"struggling maybe a little bit"},{"speaker":"Carl Widger","startTime":308.16,"endTime":310.86,"body":"with that conversation, you"},{"speaker":"Carl Widger","startTime":308.16,"endTime":310.86,"body":"know, should I not wait? It's,"},{"speaker":"Carl Widger","startTime":310.86,"endTime":315.24,"body":"it's an all time market high."},{"speaker":"Carl Widger","startTime":310.86,"endTime":315.24,"body":"Well, this video is absolutely"},{"speaker":"Carl Widger","startTime":315.3,"endTime":321.08,"body":"fantastic. He's loads of charts,"},{"speaker":"Carl Widger","startTime":315.3,"endTime":321.08,"body":"loads of proof as to why you"},{"speaker":"Carl Widger","startTime":321.08,"endTime":324.86,"body":"should just take the plunge and"},{"speaker":"Carl Widger","startTime":321.08,"endTime":324.86,"body":"go and invest if you're a long"},{"speaker":"Carl Widger","startTime":324.86,"endTime":329.0,"body":"term investor, of course, he's"},{"speaker":"Carl Widger","startTime":324.86,"endTime":329.0,"body":"got some really cool stuff"},{"speaker":"Carl Widger","startTime":329.0,"endTime":334.82,"body":"around you know that the famous"},{"speaker":"Carl Widger","startTime":329.0,"endTime":334.82,"body":"adage, Sell in May and go away?"},{"speaker":"Carl Widger","startTime":335.12,"endTime":339.2,"body":"And why that's an absolute load"},{"speaker":"Carl Widger","startTime":335.12,"endTime":339.2,"body":"of BS. This year is a perfect"},{"speaker":"Carl Widger","startTime":339.2,"endTime":345.4,"body":"example of that. It's up 16%"},{"speaker":"Carl Widger","startTime":339.2,"endTime":345.4,"body":"since May so but also stuff"},{"speaker":"Carl Widger","startTime":345.4,"endTime":351.4,"body":"like, you know, should I invest"},{"speaker":"Carl Widger","startTime":345.4,"endTime":351.4,"body":"in meme coins? And he, he's, he"},{"speaker":"Carl Widger","startTime":351.4,"endTime":355.42,"body":"has a chat about that. He"},{"speaker":"Carl Widger","startTime":351.4,"endTime":355.42,"body":"mentions fart coin. And it's,"},{"speaker":"Carl Widger","startTime":355.66,"endTime":360.96,"body":"it's quite it's just a really"},{"speaker":"Carl Widger","startTime":355.66,"endTime":360.96,"body":"easy watch with some absolute"},{"speaker":"Carl Widger","startTime":360.96,"endTime":364.26,"body":"gold nuggets that I think every"},{"speaker":"Carl Widger","startTime":360.96,"endTime":364.26,"body":"single advisor could use with"},{"speaker":"Carl Widger","startTime":364.26,"endTime":367.5,"body":"their clients. So cannot"},{"speaker":"Carl Widger","startTime":364.26,"endTime":367.5,"body":"recommend this one enough. I"},{"speaker":"Carl Widger","startTime":367.5,"endTime":370.74,"body":"really can't. It's absolutely"},{"speaker":"Carl Widger","startTime":367.5,"endTime":370.74,"body":"brilliant. So do get on that,"},{"speaker":"Carl Widger","startTime":371.16,"endTime":376.56,"body":"and hopefully it helps loads of"},{"speaker":"Carl Widger","startTime":371.16,"endTime":376.56,"body":"different advisors in their"},{"speaker":"Carl Widger","startTime":376.56,"endTime":379.32,"body":"quest to finish the year really"},{"speaker":"Carl Widger","startTime":376.56,"endTime":379.32,"body":"strongly, which we'll be talking"},{"speaker":"Carl Widger","startTime":379.32,"endTime":379.98,"body":"about later on."},{"speaker":"Unknown","startTime":381.06,"endTime":382.1,"body":"Good segue, good segue."},{"speaker":"Unknown","startTime":383.72,"endTime":384.44,"body":"Thanks, Sandy."},{"speaker":"Alan Smith","startTime":386.6,"endTime":389.24,"body":"He's great for the"},{"speaker":"Alan Smith","startTime":386.6,"endTime":389.24,"body":"charts, isn't he a CEO of stuff"},{"speaker":"Alan Smith","startTime":389.24,"endTime":390.92,"body":"he publishes. Yeah,"},{"speaker":"Carl Widger","startTime":391.4,"endTime":393.92,"body":"some of them are"},{"speaker":"Carl Widger","startTime":391.4,"endTime":393.92,"body":"very American. So, like, I"},{"speaker":"Carl Widger","startTime":393.92,"endTime":396.74,"body":"watched one recently when I"},{"speaker":"Carl Widger","startTime":393.92,"endTime":396.74,"body":"didn't watch it all, because it"},{"speaker":"Carl Widger","startTime":396.74,"endTime":399.44,"body":"was of little relevance. It was"},{"speaker":"Carl Widger","startTime":396.74,"endTime":399.44,"body":"about the American housing"},{"speaker":"Carl Widger","startTime":399.44,"endTime":402.4,"body":"crisis. So like, some are, some"},{"speaker":"Carl Widger","startTime":399.44,"endTime":402.4,"body":"are really relevant. Some are"},{"speaker":"Carl Widger","startTime":402.4,"endTime":406.66,"body":"kind of more generic and about"},{"speaker":"Carl Widger","startTime":402.4,"endTime":406.66,"body":"kind of general investing rules."},{"speaker":"Carl Widger","startTime":406.66,"endTime":411.1,"body":"And look, they are, you know,"},{"speaker":"Carl Widger","startTime":406.66,"endTime":411.1,"body":"they extoll the virtues of index"},{"speaker":"Carl Widger","startTime":411.1,"endTime":415.54,"body":"investing and diversification."},{"speaker":"Carl Widger","startTime":411.1,"endTime":415.54,"body":"And if that's along the lines of"},{"speaker":"Carl Widger","startTime":415.54,"endTime":417.7,"body":"your investment philosophy,"},{"speaker":"Carl Widger","startTime":415.54,"endTime":417.7,"body":"well, then, you know, there's"},{"speaker":"Carl Widger","startTime":417.76,"endTime":418.78,"body":"absolute gold"},{"speaker":"Alan Smith","startTime":419.74,"endTime":421.8,"body":"he works out there,"},{"speaker":"Alan Smith","startTime":419.74,"endTime":421.8,"body":"creative wealth,"},{"speaker":"Andy Hart","startTime":421.799,"endTime":425.339,"body":"yeah, the"},{"speaker":"Andy Hart","startTime":421.799,"endTime":425.339,"body":"relationship, but obviously,"},{"speaker":"Andy Hart","startTime":425.339,"endTime":430.739,"body":"yeah, he wasn't. 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It makes a"},{"speaker":"Andy Hart","startTime":438.96,"endTime":439.2,"body":"lot the"},{"speaker":"Carl Widger","startTime":439.38,"endTime":443.3,"body":"detail in his, in"},{"speaker":"Carl Widger","startTime":439.38,"endTime":443.3,"body":"his in his videos, which he puts"},{"speaker":"Carl Widger","startTime":443.3,"endTime":447.02,"body":"out kind of once a week, there's"},{"speaker":"Carl Widger","startTime":443.3,"endTime":447.02,"body":"so much detail in there that he"},{"speaker":"Carl Widger","startTime":447.02,"endTime":452.78,"body":"can't be doing anything else"},{"speaker":"Carl Widger","startTime":447.02,"endTime":452.78,"body":"except, oh yeah, then sometimes"},{"speaker":"Carl Widger","startTime":452.78,"endTime":455.42,"body":"as well. And obviously, we've,"},{"speaker":"Carl Widger","startTime":452.78,"endTime":455.42,"body":"we've met your Peter Maloof"},{"speaker":"Carl Widger","startTime":455.42,"endTime":458.06,"body":"loads of times as well. Top"},{"speaker":"Carl Widger","startTime":455.42,"endTime":458.06,"body":"class guys."},{"speaker":"Andy Hart","startTime":458.06,"endTime":459.92,"body":"Well, I mean, if it"},{"speaker":"Andy Hart","startTime":458.06,"endTime":459.92,"body":"comes knocking here, you're"},{"speaker":"Andy Hart","startTime":459.92,"endTime":462.14,"body":"going to be listening, aren't"},{"speaker":"Andy Hart","startTime":459.92,"endTime":462.14,"body":"you? So, I mean, for Charlie,"},{"speaker":"Andy Hart","startTime":462.14,"endTime":462.64,"body":"it's Charlie,"},{"speaker":"Nick Lincoln","startTime":462.94,"endTime":464.74,"body":"as Peter"},{"speaker":"Nick Lincoln","startTime":462.94,"endTime":464.74,"body":"mentioned, I think this ratio is"},{"speaker":"Nick Lincoln","startTime":464.74,"endTime":466.78,"body":"out of control. We need to get"},{"speaker":"Nick Lincoln","startTime":464.74,"endTime":466.78,"body":"this ratio back."},{"speaker":"Andy Hart","startTime":466.9,"endTime":471.28,"body":"Yeah, your work."},{"speaker":"Andy Hart","startTime":466.9,"endTime":471.28,"body":"Nick,"},{"speaker":"Nick Lincoln","startTime":473.62,"endTime":476.32,"body":"yeah, or maybe"},{"speaker":"Nick Lincoln","startTime":473.62,"endTime":476.32,"body":"not. Okay, moving on. Story."},{"speaker":"Nick Lincoln","startTime":476.44,"endTime":477.04,"body":"Storyteller,"},{"speaker":"Alan Smith","startTime":478.06,"endTime":481.56,"body":"yeah, on, I guess a"},{"speaker":"Alan Smith","startTime":478.06,"endTime":481.56,"body":"similar ish theme, the one"},{"speaker":"Alan Smith","startTime":482.04,"endTime":485.94,"body":"podcast that I listen to, or in"},{"speaker":"Alan Smith","startTime":482.04,"endTime":485.94,"body":"fact, watch on YouTube every"},{"speaker":"Alan Smith","startTime":485.94,"endTime":489.12,"body":"week without fails. The only one"},{"speaker":"Alan Smith","startTime":485.94,"endTime":489.12,"body":"that I never miss is the all in"},{"speaker":"Alan Smith","startTime":489.12,"endTime":492.9,"body":"podcast. I think all of us, to"},{"speaker":"Alan Smith","startTime":489.12,"endTime":492.9,"body":"varying degrees, watch it or"},{"speaker":"Alan Smith","startTime":492.9,"endTime":497.16,"body":"listen to it or just favorite"},{"speaker":"Alan Smith","startTime":492.9,"endTime":497.16,"body":"now, it says he doesn't like his"},{"speaker":"Alan Smith","startTime":497.28,"endTime":500.9,"body":"politics anymore. We've got a"},{"speaker":"Alan Smith","startTime":497.28,"endTime":500.9,"body":"full view of Nick's hotel room."},{"speaker":"Alan Smith","startTime":501.44,"endTime":503.42,"body":"Oh, God, you gotta make the bed."},{"speaker":"Alan Smith","startTime":501.44,"endTime":503.42,"body":"Geez."},{"speaker":"Unknown","startTime":503.6,"endTime":505.16,"body":"Don't zoom in anyone."},{"speaker":"Unknown","startTime":503.6,"endTime":505.16,"body":"Yeah."},{"speaker":"Alan Smith","startTime":507.74,"endTime":509.24,"body":"Anyway, people to"},{"speaker":"Carl Widger","startTime":511.1,"endTime":512.96,"body":"be pausing, and"},{"speaker":"Alan Smith","startTime":514.4,"endTime":516.26,"body":"if you're listening"},{"speaker":"Alan Smith","startTime":514.4,"endTime":516.26,"body":"to this, you've got to just"},{"speaker":"Alan Smith","startTime":516.26,"endTime":520.48,"body":"check out on YouTube. Nick can"},{"speaker":"Alan Smith","startTime":516.26,"endTime":520.48,"body":"literally make it his hotel"},{"speaker":"Alan Smith","startTime":521.74,"endTime":527.86,"body":"music anyway, so the last, oh"},{"speaker":"Alan Smith","startTime":521.74,"endTime":527.86,"body":"no, the one that came out last"},{"speaker":"Alan Smith","startTime":527.86,"endTime":531.52,"body":"week, the all in podcast, again,"},{"speaker":"Alan Smith","startTime":527.86,"endTime":531.52,"body":"a theme that's come up quite"},{"speaker":"Alan Smith","startTime":531.52,"endTime":535.66,"body":"regularly, because there's this"},{"speaker":"Alan Smith","startTime":531.52,"endTime":535.66,"body":"ongoing desire, certainly in the"},{"speaker":"Alan Smith","startTime":535.66,"endTime":538.84,"body":"UK. Not sure about Ireland, but"},{"speaker":"Alan Smith","startTime":535.66,"endTime":538.84,"body":"I think so about getting sort of"},{"speaker":"Alan Smith","startTime":538.84,"endTime":541.86,"body":"traditional retail investors,"},{"speaker":"Alan Smith","startTime":538.84,"endTime":541.86,"body":"invested in what we'll"},{"speaker":"Alan Smith","startTime":541.86,"endTime":545.76,"body":"generically call private market."},{"speaker":"Alan Smith","startTime":541.86,"endTime":545.76,"body":"So venture capital, private"},{"speaker":"Alan Smith","startTime":545.76,"endTime":551.82,"body":"equity, private credit, all that"},{"speaker":"Alan Smith","startTime":545.76,"endTime":551.82,"body":"sort of thing. There's, there"},{"speaker":"Alan Smith","startTime":551.82,"endTime":557.58,"body":"seems to be this underlying push"},{"speaker":"Alan Smith","startTime":551.82,"endTime":557.58,"body":"from, believe it or not, our own"},{"speaker":"Alan Smith","startTime":557.58,"endTime":564.74,"body":"government, led by the LED, led"},{"speaker":"Alan Smith","startTime":557.58,"endTime":564.74,"body":"by Rachel Reeves, to get sick,"},{"speaker":"Alan Smith","startTime":565.04,"endTime":569.06,"body":"you know, large company pension"},{"speaker":"Alan Smith","startTime":565.04,"endTime":569.06,"body":"schemes, effectively, corporate"},{"speaker":"Alan Smith","startTime":569.06,"endTime":572.9,"body":"hand, yeah, into this market as"},{"speaker":"Alan Smith","startTime":569.06,"endTime":572.9,"body":"a sort of and, you know, British"},{"speaker":"Alan Smith","startTime":572.96,"endTime":575.96,"body":"private business, there's no"},{"speaker":"Alan Smith","startTime":572.96,"endTime":575.96,"body":"question. And we all know there"},{"speaker":"Alan Smith","startTime":575.96,"endTime":579.14,"body":"are some outstanding companies"},{"speaker":"Alan Smith","startTime":575.96,"endTime":579.14,"body":"which are not listed, not"},{"speaker":"Alan Smith","startTime":579.14,"endTime":581.68,"body":"public, publicly traded, and"},{"speaker":"Alan Smith","startTime":579.14,"endTime":581.68,"body":"they're fantastic. And we know,"},{"speaker":"Alan Smith","startTime":581.68,"endTime":586.24,"body":"you know, the big ones in the"},{"speaker":"Alan Smith","startTime":581.68,"endTime":586.24,"body":"US, famously stripe, and there's"},{"speaker":"Alan Smith","startTime":586.24,"endTime":589.06,"body":"a, there's a few huge ones that"},{"speaker":"Alan Smith","startTime":586.24,"endTime":589.06,"body":"are, but that's, they're the"},{"speaker":"Alan Smith","startTime":589.06,"endTime":592.78,"body":"exception, rather than real"},{"speaker":"Alan Smith","startTime":589.06,"endTime":592.78,"body":"anyway, the all in podcast is,"},{"speaker":"Alan Smith","startTime":592.78,"endTime":594.64,"body":"you know, there are four,"},{"speaker":"Alan Smith","startTime":592.78,"endTime":594.64,"body":"effectively, venture"},{"speaker":"Alan Smith","startTime":594.64,"endTime":596.86,"body":"capitalists, and they've all,"},{"speaker":"Alan Smith","startTime":594.64,"endTime":596.86,"body":"over the years, been"},{"speaker":"Alan Smith","startTime":597.34,"endTime":601.62,"body":"outrageously successful, kind of"},{"speaker":"Alan Smith","startTime":597.34,"endTime":601.62,"body":"billionaire status. And they"},{"speaker":"Alan Smith","startTime":601.62,"endTime":606.12,"body":"were unpacking the data on this"},{"speaker":"Alan Smith","startTime":601.62,"endTime":606.12,"body":"venture, venture capital versus"},{"speaker":"Alan Smith","startTime":606.12,"endTime":608.76,"body":"public market. Of course,"},{"speaker":"Alan Smith","startTime":606.12,"endTime":608.76,"body":"they're talking about the s, p5,"},{"speaker":"Alan Smith","startTime":609.06,"endTime":614.46,"body":"100 and the NASDAQ and public"},{"speaker":"Alan Smith","startTime":609.06,"endTime":614.46,"body":"markets in over recent years,"},{"speaker":"Alan Smith","startTime":614.46,"endTime":619.74,"body":"510, years recently, have"},{"speaker":"Alan Smith","startTime":614.46,"endTime":619.74,"body":"significantly outperformed these"},{"speaker":"Alan Smith","startTime":619.74,"endTime":622.52,"body":"really, really smart venture. Of"},{"speaker":"Alan Smith","startTime":619.74,"endTime":622.52,"body":"course, there's always one or"},{"speaker":"Alan Smith","startTime":622.52,"endTime":625.58,"body":"two venture funds that just do"},{"speaker":"Alan Smith","startTime":622.52,"endTime":625.58,"body":"super well, but your chances of"},{"speaker":"Alan Smith","startTime":625.58,"endTime":629.54,"body":"investing in them as a retail"},{"speaker":"Alan Smith","startTime":625.58,"endTime":629.54,"body":"punter close to zero. They're"},{"speaker":"Alan Smith","startTime":629.54,"endTime":632.78,"body":"for the insiders. They're for"},{"speaker":"Alan Smith","startTime":629.54,"endTime":632.78,"body":"the sort of the big boys. Yeah,"},{"speaker":"Alan Smith","startTime":632.78,"endTime":637.4,"body":"actual zero Nick Yeah. Not close"},{"speaker":"Alan Smith","startTime":632.78,"endTime":637.4,"body":"to actual zero, yeah. And so the"},{"speaker":"Alan Smith","startTime":637.4,"endTime":641.8,"body":"more mainstream funds that you"},{"speaker":"Alan Smith","startTime":637.4,"endTime":641.8,"body":"might be able to get into based"},{"speaker":"Alan Smith","startTime":641.8,"endTime":644.8,"body":"on, and their honest opinion was"},{"speaker":"Alan Smith","startTime":641.8,"endTime":644.8,"body":"that the venture game is just"},{"speaker":"Alan Smith","startTime":644.8,"endTime":648.16,"body":"different. Now you just get"},{"speaker":"Alan Smith","startTime":644.8,"endTime":648.16,"body":"getting into these venture"},{"speaker":"Alan Smith","startTime":648.16,"endTime":650.68,"body":"capital, startup funds that"},{"speaker":"Alan Smith","startTime":648.16,"endTime":650.68,"body":"invest in, of course, they've"},{"speaker":"Alan Smith","startTime":650.68,"endTime":652.96,"body":"had such a great run over the"},{"speaker":"Alan Smith","startTime":650.68,"endTime":652.96,"body":"years in the US, with these tech"},{"speaker":"Alan Smith","startTime":652.96,"endTime":657.1,"body":"startups that sort of grown"},{"speaker":"Alan Smith","startTime":652.96,"endTime":657.1,"body":"huge, had a public listing. And"},{"speaker":"Alan Smith","startTime":657.22,"endTime":662.64,"body":"the view was really from these"},{"speaker":"Alan Smith","startTime":657.22,"endTime":662.64,"body":"experts, buy the s, p5, 100 and"},{"speaker":"Alan Smith","startTime":662.64,"endTime":665.82,"body":"let it ride. You know, that's"},{"speaker":"Alan Smith","startTime":662.64,"endTime":665.82,"body":"that was kind of anything else,"},{"speaker":"Alan Smith","startTime":666.06,"endTime":668.88,"body":"the odds are so stacked against"},{"speaker":"Alan Smith","startTime":666.06,"endTime":668.88,"body":"you. You might get lucky."},{"speaker":"Alan Smith","startTime":669.06,"endTime":672.36,"body":"Chances are you won't, and you"},{"speaker":"Alan Smith","startTime":669.06,"endTime":672.36,"body":"will underperform. Not only"},{"speaker":"Alan Smith","startTime":672.36,"endTime":674.82,"body":"that, you've got, obviously, a"},{"speaker":"Alan Smith","startTime":672.36,"endTime":674.82,"body":"risk a risk premium."},{"speaker":"Alan Smith","startTime":680.34,"endTime":683.06,"body":"You've got the risk premium"},{"speaker":"Alan Smith","startTime":680.34,"endTime":683.06,"body":"because in terms of the, you"},{"speaker":"Alan Smith","startTime":683.36,"endTime":686.42,"body":"know, exposing your money, your"},{"speaker":"Alan Smith","startTime":683.36,"endTime":686.42,"body":"investments to early stage, as"},{"speaker":"Alan Smith","startTime":686.42,"endTime":691.46,"body":"yet unproven, but you've got the"},{"speaker":"Alan Smith","startTime":686.42,"endTime":691.46,"body":"illiquidity sort of gap in that."},{"speaker":"Alan Smith","startTime":691.52,"endTime":694.04,"body":"He said it used to be your money"},{"speaker":"Alan Smith","startTime":691.52,"endTime":694.04,"body":"was tied up for about seven"},{"speaker":"Alan Smith","startTime":694.04,"endTime":696.44,"body":"years. You're now looking"},{"speaker":"Alan Smith","startTime":694.04,"endTime":696.44,"body":"probably up to 15 years. You're"},{"speaker":"Alan Smith","startTime":696.44,"endTime":698.78,"body":"allocating capital, and you"},{"speaker":"Alan Smith","startTime":696.44,"endTime":698.78,"body":"can't you want to buy a house,"},{"speaker":"Alan Smith","startTime":698.78,"endTime":701.26,"body":"you want to get your money out,"},{"speaker":"Alan Smith","startTime":698.78,"endTime":701.26,"body":"you want to do something else,"},{"speaker":"Alan Smith","startTime":701.26,"endTime":703.66,"body":"you pretty much can't, unless"},{"speaker":"Alan Smith","startTime":701.26,"endTime":703.66,"body":"you sell it in the secondary"},{"speaker":"Alan Smith","startTime":703.66,"endTime":707.08,"body":"market or something similar,"},{"speaker":"Alan Smith","startTime":703.66,"endTime":707.08,"body":"what you'll pay up that 30%"},{"speaker":"Alan Smith","startTime":707.44,"endTime":710.86,"body":"discount on the sort of the"},{"speaker":"Alan Smith","startTime":707.44,"endTime":710.86,"body":"price they've got. So just"},{"speaker":"Alan Smith","startTime":710.86,"endTime":715.18,"body":"interesting. I thought that the"},{"speaker":"Alan Smith","startTime":710.86,"endTime":715.18,"body":"guru, some of the gurus, the"},{"speaker":"Alan Smith","startTime":715.18,"endTime":718.6,"body":"experts, the guys who've made"},{"speaker":"Alan Smith","startTime":715.18,"endTime":718.6,"body":"their trade in this sector, are"},{"speaker":"Alan Smith","startTime":718.6,"endTime":719.44,"body":"saying, you know,"},{"speaker":"Andy Hart","startTime":719.44,"endTime":721.44,"body":"cautiously, thought"},{"speaker":"Andy Hart","startTime":719.44,"endTime":721.44,"body":"they would have been very pro"},{"speaker":"Andy Hart","startTime":721.44,"endTime":723.78,"body":"it. You know, they're marking"},{"speaker":"Andy Hart","startTime":721.44,"endTime":723.78,"body":"their own homework effectively."},{"speaker":"Andy Hart","startTime":723.84,"endTime":724.98,"body":"So for that exactly, but"},{"speaker":"Alan Smith","startTime":724.98,"endTime":727.02,"body":"not, I mean"},{"speaker":"Alan Smith","startTime":724.98,"endTime":727.02,"body":"interesting. Nick's friend David"},{"speaker":"Alan Smith","startTime":727.02,"endTime":730.26,"body":"Sacks was, was, was defending it"},{"speaker":"Alan Smith","startTime":727.02,"endTime":730.26,"body":"a bit and saying, No, I think we"},{"speaker":"Alan Smith","startTime":730.32,"endTime":733.38,"body":"can, you know, that's the last"},{"speaker":"Alan Smith","startTime":730.32,"endTime":733.38,"body":"five years, maybe the next five"},{"speaker":"Alan Smith","startTime":733.38,"endTime":735.78,"body":"years. But of course he would."},{"speaker":"Alan Smith","startTime":733.38,"endTime":735.78,"body":"He runs a venture company,"},{"speaker":"Alan Smith","startTime":735.78,"endTime":739.92,"body":"venture called craft. But by and"},{"speaker":"Alan Smith","startTime":735.78,"endTime":739.92,"body":"large, the four of them were"},{"speaker":"Alan Smith","startTime":739.92,"endTime":744.14,"body":"broadly negative on that as a as"},{"speaker":"Alan Smith","startTime":739.92,"endTime":744.14,"body":"an investment option for most"},{"speaker":"Alan Smith","startTime":744.14,"endTime":747.02,"body":"people. And the last thing I'll"},{"speaker":"Alan Smith","startTime":744.14,"endTime":747.02,"body":"say is, as it relates to the UK,"},{"speaker":"Alan Smith","startTime":747.08,"endTime":750.56,"body":"I've noticed none about you"},{"speaker":"Alan Smith","startTime":747.08,"endTime":750.56,"body":"guys. Andy Nick, but since the"},{"speaker":"Alan Smith","startTime":750.92,"endTime":753.92,"body":"proposed rules on pensions,"},{"speaker":"Alan Smith","startTime":750.92,"endTime":753.92,"body":"inheritance tax being applied on"},{"speaker":"Alan Smith","startTime":753.92,"endTime":757.82,"body":"pension funds and effectively"},{"speaker":"Alan Smith","startTime":753.92,"endTime":757.82,"body":"becoming less tax effective, I"},{"speaker":"Alan Smith","startTime":757.82,"endTime":762.82,"body":"get a lot of information being"},{"speaker":"Alan Smith","startTime":757.82,"endTime":762.82,"body":"sent to me by VCT managers just"},{"speaker":"Alan Smith","startTime":762.82,"endTime":766.9,"body":"say, look, ah, guys, we've now"},{"speaker":"Alan Smith","startTime":762.82,"endTime":766.9,"body":"we retain this tax friendly"},{"speaker":"Alan Smith","startTime":766.9,"endTime":769.42,"body":"thing. So you should forget"},{"speaker":"Alan Smith","startTime":766.9,"endTime":769.42,"body":"about pensions. Now pile into"},{"speaker":"Alan Smith","startTime":769.42,"endTime":773.74,"body":"venture venture capital, because"},{"speaker":"Alan Smith","startTime":769.42,"endTime":773.74,"body":"it's got a tax break. We talked"},{"speaker":"Alan Smith","startTime":773.74,"endTime":776.5,"body":"many times in the past on the"},{"speaker":"Alan Smith","startTime":773.74,"endTime":776.5,"body":"show about the actual returns"},{"speaker":"Alan Smith","startTime":776.5,"endTime":780.96,"body":"just a normal venture in like"},{"speaker":"Alan Smith","startTime":776.5,"endTime":780.96,"body":"funds that UK retail investors"},{"speaker":"Alan Smith","startTime":780.96,"endTime":784.2,"body":"can get access to and the"},{"speaker":"Alan Smith","startTime":780.96,"endTime":784.2,"body":"returns have been less than"},{"speaker":"Alan Smith","startTime":784.2,"endTime":787.86,"body":"spectacular, shall we see? But"},{"speaker":"Alan Smith","startTime":784.2,"endTime":787.86,"body":"there is a tax break on it. What"},{"speaker":"Alan Smith","startTime":787.86,"endTime":788.76,"body":"are your thoughts? Nick,"},{"speaker":"Nick Lincoln","startTime":789.84,"endTime":791.7,"body":"well, I think we I"},{"speaker":"Nick Lincoln","startTime":789.84,"endTime":791.7,"body":"think, I think you guys know my"},{"speaker":"Nick Lincoln","startTime":791.7,"endTime":794.52,"body":"thoughts on this. I've been"},{"speaker":"Nick Lincoln","startTime":791.7,"endTime":794.52,"body":"advocating against it, and what"},{"speaker":"Nick Lincoln","startTime":794.52,"endTime":797.04,"body":"Rachel Reeves is doing, and I"},{"speaker":"Nick Lincoln","startTime":794.52,"endTime":797.04,"body":"will continue to do so I've got"},{"speaker":"Nick Lincoln","startTime":797.04,"endTime":799.62,"body":"a very quick point. It's just a,"},{"speaker":"Nick Lincoln","startTime":797.04,"endTime":799.62,"body":"you know, Jason spike in the"},{"speaker":"Nick Lincoln","startTime":799.62,"endTime":802.22,"body":"Wall Street Journal wrote a"},{"speaker":"Nick Lincoln","startTime":799.62,"endTime":802.22,"body":"piece this week about how the"},{"speaker":"Nick Lincoln","startTime":802.22,"endTime":804.98,"body":"university these us again, of"},{"speaker":"Nick Lincoln","startTime":802.22,"endTime":804.98,"body":"course, but the US and"},{"speaker":"Nick Lincoln","startTime":804.98,"endTime":808.34,"body":"universities have these massive,"},{"speaker":"Nick Lincoln","startTime":804.98,"endTime":808.34,"body":"multi billion endowment funds,"},{"speaker":"Nick Lincoln","startTime":808.7,"endTime":810.92,"body":"and of course, chasing out"},{"speaker":"Nick Lincoln","startTime":808.7,"endTime":810.92,"body":"performance, they've put a lot"},{"speaker":"Nick Lincoln","startTime":810.92,"endTime":813.62,"body":"of their funds into these"},{"speaker":"Nick Lincoln","startTime":810.92,"endTime":813.62,"body":"private equity things. Well now,"},{"speaker":"Nick Lincoln","startTime":813.62,"endTime":816.02,"body":"of course, Trump has come along"},{"speaker":"Nick Lincoln","startTime":813.62,"endTime":816.02,"body":"and said, Well, hold on, we're"},{"speaker":"Nick Lincoln","startTime":816.02,"endTime":818.48,"body":"just we're cutting back on your"},{"speaker":"Nick Lincoln","startTime":816.02,"endTime":818.48,"body":"funding. We're going to cut"},{"speaker":"Nick Lincoln","startTime":818.48,"endTime":821.2,"body":"back. If you don't bring in"},{"speaker":"Nick Lincoln","startTime":818.48,"endTime":821.2,"body":"freedom of speech across your"},{"speaker":"Nick Lincoln","startTime":821.2,"endTime":823.9,"body":"campuses, there's going to be"},{"speaker":"Nick Lincoln","startTime":821.2,"endTime":823.9,"body":"implications for you upon the"},{"speaker":"Nick Lincoln","startTime":823.9,"endTime":826.3,"body":"money you get from the"},{"speaker":"Nick Lincoln","startTime":823.9,"endTime":826.3,"body":"government. And this is the"},{"speaker":"Nick Lincoln","startTime":826.3,"endTime":828.94,"body":"whole sort of pullback from"},{"speaker":"Nick Lincoln","startTime":826.3,"endTime":828.94,"body":"this, from university education"},{"speaker":"Nick Lincoln","startTime":828.94,"endTime":832.3,"body":"in the States, because a lot of"},{"speaker":"Nick Lincoln","startTime":828.94,"endTime":832.3,"body":"we know, hundreds of 1000s of"},{"speaker":"Nick Lincoln","startTime":832.3,"endTime":835.06,"body":"American graduates are saddled"},{"speaker":"Nick Lincoln","startTime":832.3,"endTime":835.06,"body":"with enormous debts from"},{"speaker":"Nick Lincoln","startTime":835.06,"endTime":838.3,"body":"universities, degrees where they"},{"speaker":"Nick Lincoln","startTime":835.06,"endTime":838.3,"body":"just can't find any work with"},{"speaker":"Nick Lincoln","startTime":838.3,"endTime":840.54,"body":"their flipping burgers or"},{"speaker":"Nick Lincoln","startTime":838.3,"endTime":840.54,"body":"Wendy's or what have you, or in"},{"speaker":"Nick Lincoln","startTime":840.54,"endTime":844.02,"body":"and out, or whatever it is, and"},{"speaker":"Nick Lincoln","startTime":840.54,"endTime":844.02,"body":"there's a shake up happening. Of"},{"speaker":"Nick Lincoln","startTime":844.02,"endTime":846.24,"body":"course, these universities now"},{"speaker":"Nick Lincoln","startTime":844.02,"endTime":846.24,"body":"are having to clamp down."},{"speaker":"Nick Lincoln","startTime":846.24,"endTime":848.88,"body":"They're trying to get back into"},{"speaker":"Nick Lincoln","startTime":846.24,"endTime":848.88,"body":"their funds, to get the money"},{"speaker":"Nick Lincoln","startTime":848.88,"endTime":851.82,"body":"out, to keep going, to pay the"},{"speaker":"Nick Lincoln","startTime":848.88,"endTime":851.82,"body":"principals, to pay all the"},{"speaker":"Nick Lincoln","startTime":851.82,"endTime":854.28,"body":"administrators, because that's"},{"speaker":"Nick Lincoln","startTime":851.82,"endTime":854.28,"body":"where the money goes these days."},{"speaker":"Nick Lincoln","startTime":854.28,"endTime":856.86,"body":"And their funds are locked up in"},{"speaker":"Nick Lincoln","startTime":854.28,"endTime":856.86,"body":"these private equity ventures,"},{"speaker":"Nick Lincoln","startTime":856.86,"endTime":859.74,"body":"and they're finding it really"},{"speaker":"Nick Lincoln","startTime":856.86,"endTime":859.74,"body":"difficult to get liquidity. And"},{"speaker":"Nick Lincoln","startTime":859.74,"endTime":862.04,"body":"this is the big thing. I just"},{"speaker":"Nick Lincoln","startTime":859.74,"endTime":862.04,"body":"think the whole thing is going"},{"speaker":"Nick Lincoln","startTime":862.04,"endTime":865.7,"body":"to be a complete show. Excuse my"},{"speaker":"Nick Lincoln","startTime":862.04,"endTime":865.7,"body":"language, and I hope we pull"},{"speaker":"Nick Lincoln","startTime":865.7,"endTime":868.4,"body":"away from it. I hope there's a"},{"speaker":"Nick Lincoln","startTime":865.7,"endTime":868.4,"body":"change of government before this"},{"speaker":"Nick Lincoln","startTime":868.4,"endTime":870.2,"body":"gets too entrenched. Yeah,"},{"speaker":"Alan Smith","startTime":872.72,"endTime":873.62,"body":"yeah. Well, Said,"},{"speaker":"Nick Lincoln","startTime":875.6,"endTime":879.2,"body":"Okay, right,"},{"speaker":"Nick Lincoln","startTime":875.6,"endTime":879.2,"body":"Lincoln, I'll be quick on this"},{"speaker":"Nick Lincoln","startTime":879.92,"endTime":882.92,"body":"one, because Ultra thinks this"},{"speaker":"Nick Lincoln","startTime":879.92,"endTime":882.92,"body":"is very boring, and maybe it is."},{"speaker":"Nick Lincoln","startTime":882.92,"endTime":888.4,"body":"I and maybe it is. I mentioned"},{"speaker":"Nick Lincoln","startTime":882.92,"endTime":888.4,"body":"the FCS, FCA levy a few episodes"},{"speaker":"Nick Lincoln","startTime":888.4,"endTime":891.22,"body":"ago, how mine had gone up, but"},{"speaker":"Nick Lincoln","startTime":888.4,"endTime":891.22,"body":"it still wasn't where it was a"},{"speaker":"Nick Lincoln","startTime":891.22,"endTime":894.28,"body":"couple of years ago. So I put a"},{"speaker":"Nick Lincoln","startTime":891.22,"endTime":894.28,"body":"I put a survey link out to the"},{"speaker":"Nick Lincoln","startTime":894.28,"endTime":897.94,"body":"IFA forum. I mentioned the IFA"},{"speaker":"Nick Lincoln","startTime":894.28,"endTime":897.94,"body":"forum, china.cc/if, a forum got"},{"speaker":"Nick Lincoln","startTime":897.94,"endTime":901.08,"body":"a good response, very detailed"},{"speaker":"Nick Lincoln","startTime":897.94,"endTime":901.08,"body":"response. 12. 12. I'm taking"},{"speaker":"Nick Lincoln","startTime":901.08,"endTime":904.02,"body":"that as a representative example"},{"speaker":"Nick Lincoln","startTime":901.08,"endTime":904.02,"body":"of the UK financial services."},{"speaker":"Nick Lincoln","startTime":904.56,"endTime":908.58,"body":"Eight out of 11 respondents"},{"speaker":"Nick Lincoln","startTime":904.56,"endTime":908.58,"body":"indicated their total levy has"},{"speaker":"Nick Lincoln","startTime":908.58,"endTime":911.1,"body":"increased since the previous"},{"speaker":"Nick Lincoln","startTime":908.58,"endTime":911.1,"body":"one. However, when compared to"},{"speaker":"Nick Lincoln","startTime":911.1,"endTime":913.44,"body":"two years ago, the levy is"},{"speaker":"Nick Lincoln","startTime":911.1,"endTime":913.44,"body":"generally still down on where it"},{"speaker":"Nick Lincoln","startTime":913.44,"endTime":915.72,"body":"was. So all in all, good news. I"},{"speaker":"Nick Lincoln","startTime":913.44,"endTime":915.72,"body":"won't belabor the point. I just"},{"speaker":"Nick Lincoln","startTime":915.72,"endTime":918.48,"body":"had felt I had to address it as"},{"speaker":"Nick Lincoln","startTime":915.72,"endTime":918.48,"body":"I did bring it up beforehand."},{"speaker":"Nick Lincoln","startTime":918.48,"endTime":919.86,"body":"And some people, can we"},{"speaker":"Nick Lincoln","startTime":918.48,"endTime":919.86,"body":"blacklist"},{"speaker":"Andy Hart","startTime":919.86,"endTime":922.46,"body":"those 12 people for,"},{"speaker":"Andy Hart","startTime":919.86,"endTime":922.46,"body":"can we blacklist those 12 people"},{"speaker":"Andy Hart","startTime":922.46,"endTime":924.98,"body":"for trap life, 2026, they've"},{"speaker":"Andy Hart","startTime":922.46,"endTime":924.98,"body":"shown their colors."},{"speaker":"Nick Lincoln","startTime":924.98,"endTime":927.14,"body":"They are, they are"},{"speaker":"Nick Lincoln","startTime":924.98,"endTime":927.14,"body":"most of our audience."},{"speaker":"Alan Smith","startTime":928.399,"endTime":929.839,"body":"Why would you"},{"speaker":"Alan Smith","startTime":928.399,"endTime":929.839,"body":"blacklist them? They were the"},{"speaker":"Alan Smith","startTime":929.839,"endTime":933.619,"body":"ones who submitted. They"},{"speaker":"Alan Smith","startTime":929.839,"endTime":933.619,"body":"participated. But it said, I"},{"speaker":"Alan Smith","startTime":933.619,"endTime":936.379,"body":"mean, I've just, by the way,"},{"speaker":"Alan Smith","startTime":933.619,"endTime":936.379,"body":"I've seen surveys go up before,"},{"speaker":"Alan Smith","startTime":936.379,"endTime":939.619,"body":"with not many more people. You"},{"speaker":"Alan Smith","startTime":936.379,"endTime":939.619,"body":"know, you you know, breaking"},{"speaker":"Alan Smith","startTime":939.619,"endTime":941.899,"body":"news, blah, blah, blah. And you"},{"speaker":"Alan Smith","startTime":939.619,"endTime":941.899,"body":"look at the sort of small print,"},{"speaker":"Alan Smith","startTime":942.079,"endTime":946.059,"body":"this was a survey. Of 15"},{"speaker":"Alan Smith","startTime":942.079,"endTime":946.059,"body":"advisors, or something, small"},{"speaker":"Alan Smith","startTime":946.059,"endTime":946.299,"body":"songs,"},{"speaker":"Nick Lincoln","startTime":946.48,"endTime":948.46,"body":"entirely self"},{"speaker":"Nick Lincoln","startTime":946.48,"endTime":948.46,"body":"serving as well. And it wasn't"},{"speaker":"Nick Lincoln","startTime":948.7,"endTime":951.16,"body":"particularly, I don't, I don't"},{"speaker":"Nick Lincoln","startTime":948.7,"endTime":951.16,"body":"mind that people didn't, um,"},{"speaker":"Nick Lincoln","startTime":951.16,"endTime":954.16,"body":"didn't bother responding. Okay?"},{"speaker":"Alan Smith","startTime":955.539,"endTime":958.239,"body":"I think, I think"},{"speaker":"Alan Smith","startTime":955.539,"endTime":958.239,"body":"Andy was right, his judgment."},{"speaker":"Alan Smith","startTime":958.899,"endTime":959.859,"body":"Thank you. Thank you"},{"speaker":"Nick Lincoln","startTime":960.76,"endTime":963.72,"body":"very much. Right?"},{"speaker":"Nick Lincoln","startTime":960.76,"endTime":963.72,"body":"I'm gonna trying to edit that"},{"speaker":"Nick Lincoln","startTime":963.72,"endTime":964.2,"body":"bit out"},{"speaker":"Andy Hart","startTime":967.14,"endTime":969.66,"body":"unedited. We've only"},{"speaker":"Andy Hart","startTime":967.14,"endTime":969.66,"body":"done three Okay, since we"},{"speaker":"Andy Hart","startTime":969.66,"endTime":973.02,"body":"started right? And we don't, we"},{"speaker":"Andy Hart","startTime":969.66,"endTime":973.02,"body":"don't talk about, you're talking"},{"speaker":"Nick Lincoln","startTime":974.82,"endTime":976.74,"body":"about nitrogen."},{"speaker":"Nick Lincoln","startTime":974.82,"endTime":976.74,"body":"Watch, apparently."},{"speaker":"Carl Widger","startTime":1007.26,"endTime":1010.86,"body":"Yeah, so nitrogen,"},{"speaker":"Carl Widger","startTime":1007.26,"endTime":1010.86,"body":"uh, formerly risk allies, uh,"},{"speaker":"Carl Widger","startTime":1011.4599999999999,"endTime":1014.5999999999999,"body":"who's brilliant conference I"},{"speaker":"Carl Widger","startTime":1011.4599999999999,"endTime":1014.5999999999999,"body":"went to a few years back in"},{"speaker":"Carl Widger","startTime":1014.5999999999999,"endTime":1020.9599999999999,"body":"Boston, they've introduced an"},{"speaker":"Carl Widger","startTime":1014.5999999999999,"endTime":1020.9599999999999,"body":"integrated AI note taker. Now"},{"speaker":"Carl Widger","startTime":1021.26,"endTime":1024.56,"body":"I'm not putting this on our"},{"speaker":"Carl Widger","startTime":1021.26,"endTime":1024.56,"body":"docket to talk about this"},{"speaker":"Carl Widger","startTime":1024.56,"endTime":1029.9,"body":"particular piece of tech. What"},{"speaker":"Carl Widger","startTime":1024.56,"endTime":1029.9,"body":"I'm the reason I bring it up is"},{"speaker":"Carl Widger","startTime":1030.44,"endTime":1035.68,"body":"this is, for me, the first sign"},{"speaker":"Carl Widger","startTime":1030.44,"endTime":1035.68,"body":"of real integration. And surely"},{"speaker":"Carl Widger","startTime":1035.68,"endTime":1038.6200000000001,"body":"be to God, this is, this is"},{"speaker":"Carl Widger","startTime":1035.68,"endTime":1038.6200000000001,"body":"exactly what's coming down the"},{"speaker":"Carl Widger","startTime":1038.6200000000001,"endTime":1044.5,"body":"road. So I made the point before"},{"speaker":"Carl Widger","startTime":1038.6200000000001,"endTime":1044.5,"body":"that. You know, having dozens of"},{"speaker":"Carl Widger","startTime":1044.5,"endTime":1048.4,"body":"pieces of tech, different pieces"},{"speaker":"Carl Widger","startTime":1044.5,"endTime":1048.4,"body":"of AI, you know, trying to feed"},{"speaker":"Carl Widger","startTime":1048.4,"endTime":1052.98,"body":"into a firm is probably going to"},{"speaker":"Carl Widger","startTime":1048.4,"endTime":1052.98,"body":"cause problems down the line."},{"speaker":"Carl Widger","startTime":1053.52,"endTime":1058.26,"body":"And I would love to know, I'd"},{"speaker":"Carl Widger","startTime":1053.52,"endTime":1058.26,"body":"love to be hearing from the"},{"speaker":"Carl Widger","startTime":1058.26,"endTime":1062.6399999999999,"body":"platform providers, from the CRM"},{"speaker":"Carl Widger","startTime":1058.26,"endTime":1062.6399999999999,"body":"providers, as to what plans they"},{"speaker":"Carl Widger","startTime":1062.6399999999999,"endTime":1068.28,"body":"have, because I think that might"},{"speaker":"Carl Widger","startTime":1062.6399999999999,"endTime":1068.28,"body":"help all of us advisors in terms"},{"speaker":"Carl Widger","startTime":1068.28,"endTime":1072.68,"body":"of how we're looking to"},{"speaker":"Carl Widger","startTime":1068.28,"endTime":1072.68,"body":"structure our technology into"},{"speaker":"Carl Widger","startTime":1072.68,"endTime":1077.24,"body":"the future, because platform"},{"speaker":"Carl Widger","startTime":1072.68,"endTime":1077.24,"body":"providers, CRM providers, who"},{"speaker":"Carl Widger","startTime":1077.24,"endTime":1081.2,"body":"are not looking at this, they"},{"speaker":"Carl Widger","startTime":1077.24,"endTime":1081.2,"body":"will die for absolute sure. This"},{"speaker":"Carl Widger","startTime":1081.2,"endTime":1086.36,"body":"is, this is an obvious, you"},{"speaker":"Carl Widger","startTime":1081.2,"endTime":1086.36,"body":"know, development in the world"},{"speaker":"Carl Widger","startTime":1086.36,"endTime":1090.82,"body":"of financial advisory"},{"speaker":"Carl Widger","startTime":1086.36,"endTime":1090.82,"body":"technology. You know, people"},{"speaker":"Carl Widger","startTime":1090.82,"endTime":1094.0,"body":"used to talk about your tech"},{"speaker":"Carl Widger","startTime":1090.82,"endTime":1094.0,"body":"stack. Well, who's going to be"},{"speaker":"Carl Widger","startTime":1094.0,"endTime":1099.04,"body":"the first to come with their"},{"speaker":"Carl Widger","startTime":1094.0,"endTime":1099.04,"body":"tech stack all in one? And you'd"},{"speaker":"Carl Widger","startTime":1099.04,"endTime":1101.32,"body":"pay a lot of money for that, you"},{"speaker":"Carl Widger","startTime":1099.04,"endTime":1101.32,"body":"really would. So I think it's a"},{"speaker":"Carl Widger","startTime":1101.32,"endTime":1105.7,"body":"huge, huge, huge opportunity."},{"speaker":"Carl Widger","startTime":1101.32,"endTime":1105.7,"body":"And I know there's, there's the"},{"speaker":"Carl Widger","startTime":1105.7,"endTime":1111.12,"body":"likes of second as the likes of"},{"speaker":"Carl Widger","startTime":1105.7,"endTime":1111.12,"body":"timeline in the UK, you know,"},{"speaker":"Carl Widger","startTime":1111.18,"endTime":1114.84,"body":"people who are really"},{"speaker":"Carl Widger","startTime":1111.18,"endTime":1114.84,"body":"fundamental, who are at the"},{"speaker":"Carl Widger","startTime":1114.84,"endTime":1118.92,"body":"cutting edge of technology, I'd"},{"speaker":"Carl Widger","startTime":1114.84,"endTime":1118.92,"body":"love to hear about their plans,"},{"speaker":"Carl Widger","startTime":1118.92,"endTime":1121.2,"body":"and I'd love them to make them"},{"speaker":"Carl Widger","startTime":1118.92,"endTime":1121.2,"body":"public, you know, and say, This"},{"speaker":"Carl Widger","startTime":1121.2,"endTime":1125.1599999999999,"body":"is what we're working on. And"},{"speaker":"Carl Widger","startTime":1121.2,"endTime":1125.1599999999999,"body":"that might, that might help you"},{"speaker":"Carl Widger","startTime":1125.1599999999999,"endTime":1131.54,"body":"in terms of where you kind of"},{"speaker":"Carl Widger","startTime":1125.1599999999999,"endTime":1131.54,"body":"work towards yourself, because,"},{"speaker":"Carl Widger","startTime":1131.78,"endTime":1135.74,"body":"I don't know, trying to, I know"},{"speaker":"Carl Widger","startTime":1131.78,"endTime":1135.74,"body":"Alan was an early adopter in a"},{"speaker":"Carl Widger","startTime":1135.74,"endTime":1139.1,"body":"lot of these things, and I was"},{"speaker":"Carl Widger","startTime":1135.74,"endTime":1139.1,"body":"very much sitting on the fence"},{"speaker":"Carl Widger","startTime":1139.1,"endTime":1144.1399999999999,"body":"waiting for it to, kind of, you"},{"speaker":"Carl Widger","startTime":1139.1,"endTime":1144.1399999999999,"body":"know, to play out. And I"},{"speaker":"Carl Widger","startTime":1144.1399999999999,"endTime":1148.3999999999999,"body":"probably still am, to a large"},{"speaker":"Carl Widger","startTime":1144.1399999999999,"endTime":1148.3999999999999,"body":"extent, albeit you can't wait"},{"speaker":"Carl Widger","startTime":1148.3999999999999,"endTime":1151.36,"body":"around forever. So that's why"},{"speaker":"Carl Widger","startTime":1148.3999999999999,"endTime":1151.36,"body":"I'd like to hear, I suppose,"},{"speaker":"Carl Widger","startTime":1151.36,"endTime":1156.34,"body":"from from the CRM providers in"},{"speaker":"Carl Widger","startTime":1151.36,"endTime":1156.34,"body":"Ireland, but also in the UK,"},{"speaker":"Carl Widger","startTime":1156.34,"endTime":1160.12,"body":"what's coming, and where do they"},{"speaker":"Carl Widger","startTime":1156.34,"endTime":1160.12,"body":"see it? You know, can you have a"},{"speaker":"Carl Widger","startTime":1160.12,"endTime":1165.22,"body":"one stop shop for a tech stack"},{"speaker":"Carl Widger","startTime":1160.12,"endTime":1165.22,"body":"for a financial advisory firm?"},{"speaker":"Carl Widger","startTime":1165.3999999999999,"endTime":1168.76,"body":"Wouldn't that be just wonderful?"},{"speaker":"Carl Widger","startTime":1165.3999999999999,"endTime":1168.76,"body":"Is it? Is it coming? Surely, it"},{"speaker":"Carl Widger","startTime":1168.76,"endTime":1170.58,"body":"is. Surely there's a huge"},{"speaker":"Carl Widger","startTime":1168.76,"endTime":1170.58,"body":"opportunity."},{"speaker":"Andy Hart","startTime":1172.2,"endTime":1175.2,"body":"Yeah, there's many"},{"speaker":"Andy Hart","startTime":1172.2,"endTime":1175.2,"body":"points to unpack there. Carl, I"},{"speaker":"Andy Hart","startTime":1175.2,"endTime":1180.3,"body":"think every company is keeping a"},{"speaker":"Andy Hart","startTime":1175.2,"endTime":1180.3,"body":"close eye on AI, what it will"},{"speaker":"Andy Hart","startTime":1180.3,"endTime":1185.52,"body":"replace. I think Eric Schmidt,"},{"speaker":"Andy Hart","startTime":1180.3,"endTime":1185.52,"body":"the ex CEO of Google, he said,"},{"speaker":"Andy Hart","startTime":1185.52,"endTime":1189.6599999999999,"body":"in the next year, I think pretty"},{"speaker":"Andy Hart","startTime":1185.52,"endTime":1189.6599999999999,"body":"much all the programmers and"},{"speaker":"Andy Hart","startTime":1189.6599999999999,"endTime":1194.12,"body":"developers inside Google will be"},{"speaker":"Andy Hart","startTime":1189.6599999999999,"endTime":1194.12,"body":"replaced by AI, but again, so"},{"speaker":"Andy Hart","startTime":1194.12,"endTime":1196.76,"body":"all the enormous companies got"},{"speaker":"Andy Hart","startTime":1194.12,"endTime":1196.76,"body":"an eye on it, but specifically"},{"speaker":"Andy Hart","startTime":1196.76,"endTime":1198.92,"body":"to our space. Yeah, all of them"},{"speaker":"Andy Hart","startTime":1196.76,"endTime":1198.92,"body":"are thinking about it, but"},{"speaker":"Andy Hart","startTime":1199.04,"endTime":1202.04,"body":"things are moving so quickly now"},{"speaker":"Andy Hart","startTime":1199.04,"endTime":1202.04,"body":"that they're not quite sure"},{"speaker":"Andy Hart","startTime":1202.04,"endTime":1206.48,"body":"exactly what to do. And this, we"},{"speaker":"Andy Hart","startTime":1202.04,"endTime":1206.48,"body":"want one firm to we want one"},{"speaker":"Andy Hart","startTime":1206.48,"endTime":1210.08,"body":"company to do everything, one"},{"speaker":"Andy Hart","startTime":1206.48,"endTime":1210.08,"body":"tech stack, full integration."},{"speaker":"Andy Hart","startTime":1210.08,"endTime":1212.26,"body":"That's always been the case. You"},{"speaker":"Andy Hart","startTime":1210.08,"endTime":1212.26,"body":"know, I've been in the business"},{"speaker":"Andy Hart","startTime":1212.26,"endTime":1215.26,"body":"20 years, and it's always going"},{"speaker":"Andy Hart","startTime":1212.26,"endTime":1215.26,"body":"to be best of breed. I don't"},{"speaker":"Andy Hart","startTime":1215.26,"endTime":1217.78,"body":"think there's any one company"},{"speaker":"Andy Hart","startTime":1215.26,"endTime":1217.78,"body":"does it all very well. There's"},{"speaker":"Andy Hart","startTime":1217.78,"endTime":1221.02,"body":"not going to be the platform,"},{"speaker":"Andy Hart","startTime":1217.78,"endTime":1221.02,"body":"the CRM, the AI, the cash flow."},{"speaker":"Andy Hart","startTime":1221.26,"endTime":1224.26,"body":"I know some companies are trying"},{"speaker":"Andy Hart","startTime":1221.26,"endTime":1224.26,"body":"to do it, but I've always been"},{"speaker":"Andy Hart","startTime":1224.26,"endTime":1227.3799999999999,"body":"the player of best of breed. You"},{"speaker":"Andy Hart","startTime":1224.26,"endTime":1227.3799999999999,"body":"know, I'm going to use my cash"},{"speaker":"Andy Hart","startTime":1227.3799999999999,"endTime":1230.1599999999999,"body":"flow system with that, my"},{"speaker":"Andy Hart","startTime":1227.3799999999999,"endTime":1230.1599999999999,"body":"platform of that. I'm going. To"},{"speaker":"Andy Hart","startTime":1230.1599999999999,"endTime":1232.68,"body":"use my calendar booking system"},{"speaker":"Andy Hart","startTime":1230.1599999999999,"endTime":1232.68,"body":"of that, I'm going to use my AI"},{"speaker":"Andy Hart","startTime":1232.68,"endTime":1235.5,"body":"note taker of that. I'm going to"},{"speaker":"Andy Hart","startTime":1232.68,"endTime":1235.5,"body":"do a store my storage management"},{"speaker":"Andy Hart","startTime":1235.5,"endTime":1237.8999999999999,"body":"system is that. So there will be"},{"speaker":"Andy Hart","startTime":1235.5,"endTime":1237.8999999999999,"body":"that's"},{"speaker":"Carl Widger","startTime":1237.8999999999999,"endTime":1239.94,"body":"not, that's that's"},{"speaker":"Carl Widger","startTime":1237.8999999999999,"endTime":1239.94,"body":"not scalable. Andy,"},{"speaker":"Andy Hart","startTime":1240.12,"endTime":1242.58,"body":"unfortunately, it's"},{"speaker":"Andy Hart","startTime":1240.12,"endTime":1242.58,"body":"just not scalable. State of"},{"speaker":"Andy Hart","startTime":1242.58,"endTime":1243.78,"body":"play. It's the state of play. It"},{"speaker":"Carl Widger","startTime":1244.02,"endTime":1246.54,"body":"is a state of play."},{"speaker":"Carl Widger","startTime":1244.02,"endTime":1246.54,"body":"And I think that's the up there"},{"speaker":"Carl Widger","startTime":1246.54,"endTime":1250.7,"body":"in lies the opportunity. Like,"},{"speaker":"Carl Widger","startTime":1246.54,"endTime":1250.7,"body":"who's gonna like, surely, a"},{"speaker":"Carl Widger","startTime":1250.7,"endTime":1255.08,"body":"platform provider has enough is"},{"speaker":"Carl Widger","startTime":1250.7,"endTime":1255.08,"body":"tech savvy enough to be able to"},{"speaker":"Nick Lincoln","startTime":1255.68,"endTime":1258.32,"body":"well, it's almost"},{"speaker":"Nick Lincoln","startTime":1255.68,"endTime":1258.32,"body":"saying that the one man band"},{"speaker":"Nick Lincoln","startTime":1258.32,"endTime":1260.8999999999999,"body":"will have better tech going for"},{"speaker":"Nick Lincoln","startTime":1258.32,"endTime":1260.8999999999999,"body":"because they can pick and choose"},{"speaker":"Nick Lincoln","startTime":1260.8999999999999,"endTime":1263.24,"body":"and doesn't want to be whereas"},{"speaker":"Nick Lincoln","startTime":1260.8999999999999,"endTime":1263.24,"body":"the bigger firms are going to"},{"speaker":"Nick Lincoln","startTime":1263.24,"endTime":1265.52,"body":"settle for something not, not"},{"speaker":"Nick Lincoln","startTime":1263.24,"endTime":1265.52,"body":"suboptimal,"},{"speaker":"Carl Widger","startTime":1265.52,"endTime":1269.0,"body":"suboptimal. Yeah,"},{"speaker":"Carl Widger","startTime":1265.52,"endTime":1269.0,"body":"or maybe, maybe you could make a"},{"speaker":"Carl Widger","startTime":1269.0,"endTime":1274.54,"body":"solo advisory firm practice"},{"speaker":"Carl Widger","startTime":1269.0,"endTime":1274.54,"body":"really, really profitable, if"},{"speaker":"Carl Widger","startTime":1274.54,"endTime":1278.68,"body":"you know you could get that holy"},{"speaker":"Carl Widger","startTime":1274.54,"endTime":1278.68,"body":"grail. And I know I'm, I'm"},{"speaker":"Carl Widger","startTime":1278.68,"endTime":1282.52,"body":"asking for the impossible here,"},{"speaker":"Carl Widger","startTime":1278.68,"endTime":1282.52,"body":"but, but, but maybe, you know,"},{"speaker":"Carl Widger","startTime":1282.58,"endTime":1285.1599999999999,"body":"maybe you only have two"},{"speaker":"Carl Widger","startTime":1282.58,"endTime":1285.1599999999999,"body":"different, three different"},{"speaker":"Carl Widger","startTime":1285.76,"endTime":1290.3999999999999,"body":"pieces of software that you use"},{"speaker":"Carl Widger","startTime":1285.76,"endTime":1290.3999999999999,"body":"in your business. And surely"},{"speaker":"Carl Widger","startTime":1290.3999999999999,"endTime":1293.7,"body":"that's coming. Surely we can"},{"speaker":"Carl Widger","startTime":1290.3999999999999,"endTime":1293.7,"body":"move towards there. Surely you"},{"speaker":"Carl Widger","startTime":1293.7,"endTime":1298.44,"body":"can find a platform that you"},{"speaker":"Carl Widger","startTime":1293.7,"endTime":1298.44,"body":"know talks to voyant, or cash,"},{"speaker":"Carl Widger","startTime":1298.44,"endTime":1299.6399999999999,"body":"Calc, or any of these, you know,"},{"speaker":"Andy Hart","startTime":1300.36,"endTime":1302.6399999999999,"body":"the talking will"},{"speaker":"Andy Hart","startTime":1300.36,"endTime":1302.6399999999999,"body":"happen, the APIs and integration"},{"speaker":"Andy Hart","startTime":1302.6399999999999,"endTime":1305.58,"body":"will happen, but it won't be the"},{"speaker":"Andy Hart","startTime":1302.6399999999999,"endTime":1305.58,"body":"platform doing CRMs, and it"},{"speaker":"Andy Hart","startTime":1305.58,"endTime":1307.92,"body":"won't be the CRM doing"},{"speaker":"Andy Hart","startTime":1305.58,"endTime":1307.92,"body":"platforms, and it won't be aI"},{"speaker":"Andy Hart","startTime":1307.92,"endTime":1310.58,"body":"doing platform, etc, etc."},{"speaker":"Andy Hart","startTime":1307.92,"endTime":1310.58,"body":"There'll be a bit of a mix and a"},{"speaker":"Andy Hart","startTime":1310.58,"endTime":1315.3799999999999,"body":"bit of a hybrid. But the current"},{"speaker":"Andy Hart","startTime":1310.58,"endTime":1315.3799999999999,"body":"where we are with tech is, I"},{"speaker":"Andy Hart","startTime":1315.3799999999999,"endTime":1318.26,"body":"think that the most interesting"},{"speaker":"Andy Hart","startTime":1315.3799999999999,"endTime":1318.26,"body":"I've ever found it just before"},{"speaker":"Andy Hart","startTime":1318.26,"endTime":1323.24,"body":"there's been minimal increments"},{"speaker":"Andy Hart","startTime":1318.26,"endTime":1323.24,"body":"of development, whereas now the"},{"speaker":"Andy Hart","startTime":1323.3,"endTime":1326.0,"body":"AI just, yeah, blown up"},{"speaker":"Andy Hart","startTime":1323.3,"endTime":1326.0,"body":"everything. It's, I"},{"speaker":"Carl Widger","startTime":1326.0,"endTime":1327.98,"body":"think that's it."},{"speaker":"Carl Widger","startTime":1326.0,"endTime":1327.98,"body":"That's a very that's a very"},{"speaker":"Carl Widger","startTime":1327.98,"endTime":1331.54,"body":"well. My point that, you know"},{"speaker":"Carl Widger","startTime":1327.98,"endTime":1331.54,"body":"it, we've really kind of been as"},{"speaker":"Carl Widger","startTime":1331.54,"endTime":1334.78,"body":"you were for the last decade,"},{"speaker":"Carl Widger","startTime":1331.54,"endTime":1334.78,"body":"and now there's an explosion. So"},{"speaker":"Carl Widger","startTime":1334.78,"endTime":1339.1,"body":"what happens? What's the if the"},{"speaker":"Carl Widger","startTime":1334.78,"endTime":1339.1,"body":"explosion is like 16 different"},{"speaker":"Carl Widger","startTime":1339.1,"endTime":1342.58,"body":"software pieces that you have to"},{"speaker":"Carl Widger","startTime":1339.1,"endTime":1342.58,"body":"kind of piece together that"},{"speaker":"Carl Widger","startTime":1342.58,"endTime":1345.52,"body":"puzzle and decide yourself, I'm"},{"speaker":"Carl Widger","startTime":1342.58,"endTime":1345.52,"body":"not sure it's going to help us,"},{"speaker":"Carl Widger","startTime":1345.52,"endTime":1348.58,"body":"and it's certainly not scalable."},{"speaker":"Carl Widger","startTime":1345.52,"endTime":1348.58,"body":"And I think the solo advisory"},{"speaker":"Carl Widger","startTime":1348.58,"endTime":1352.26,"body":"practices would probably be"},{"speaker":"Carl Widger","startTime":1348.58,"endTime":1352.26,"body":"better off than, you know,"},{"speaker":"Carl Widger","startTime":1352.26,"endTime":1355.1399999999999,"body":"bigger firms trying to piece all"},{"speaker":"Carl Widger","startTime":1352.26,"endTime":1355.1399999999999,"body":"this jigsaw together."},{"speaker":"Andy Hart","startTime":1355.2,"endTime":1358.32,"body":"That's always been"},{"speaker":"Andy Hart","startTime":1355.2,"endTime":1358.32,"body":"the case. You know, the leaner"},{"speaker":"Andy Hart","startTime":1358.32,"endTime":1360.42,"body":"you are, the quicker you can"},{"speaker":"Andy Hart","startTime":1358.32,"endTime":1360.42,"body":"make decisions, the less"},{"speaker":"Andy Hart","startTime":1360.42,"endTime":1363.54,"body":"committees you need to have. I"},{"speaker":"Andy Hart","startTime":1360.42,"endTime":1363.54,"body":"mean, it's insane that a friend"},{"speaker":"Andy Hart","startTime":1363.54,"endTime":1366.0,"body":"of mine works at a large"},{"speaker":"Andy Hart","startTime":1363.54,"endTime":1366.0,"body":"platform, and she told me the"},{"speaker":"Andy Hart","startTime":1366.0,"endTime":1370.7,"body":"other day that, I mean working"},{"speaker":"Andy Hart","startTime":1366.0,"endTime":1370.7,"body":"18 months on this, I think"},{"speaker":"Andy Hart","startTime":1370.7,"endTime":1376.1599999999999,"body":"doing, taking tax free cash from"},{"speaker":"Andy Hart","startTime":1370.7,"endTime":1376.1599999999999,"body":"a pension directly into an ISA"},{"speaker":"Andy Hart","startTime":1376.1599999999999,"endTime":1379.58,"body":"and working on this project for"},{"speaker":"Andy Hart","startTime":1376.1599999999999,"endTime":1379.58,"body":"18 months. You know, it's just"},{"speaker":"Andy Hart","startTime":1379.58,"endTime":1381.8,"body":"like, think of the amount of"},{"speaker":"Andy Hart","startTime":1379.58,"endTime":1381.8,"body":"brain power that's gone into"},{"speaker":"Andy Hart","startTime":1381.8,"endTime":1384.98,"body":"this project that loads of other"},{"speaker":"Andy Hart","startTime":1381.8,"endTime":1384.98,"body":"platforms are already doing. So"},{"speaker":"Andy Hart","startTime":1384.98,"endTime":1388.1,"body":"large companies always just"},{"speaker":"Andy Hart","startTime":1384.98,"endTime":1388.1,"body":"gonna be, yeah, you know, at the"},{"speaker":"Andy Hart","startTime":1388.1,"endTime":1390.52,"body":"back of the pack. But Alan, over"},{"speaker":"Andy Hart","startTime":1388.1,"endTime":1390.52,"body":"to you, my friend. You are the"},{"speaker":"Andy Hart","startTime":1390.94,"endTime":1392.44,"body":"AI tech guru in"},{"speaker":"Alan Smith","startTime":1394.8999999999999,"endTime":1397.96,"body":"the kingdom of the"},{"speaker":"Alan Smith","startTime":1394.8999999999999,"endTime":1397.96,"body":"blind. The one is King Carl."},{"speaker":"Alan Smith","startTime":1397.96,"endTime":1402.22,"body":"Just to clarify, what was it the"},{"speaker":"Alan Smith","startTime":1397.96,"endTime":1402.22,"body":"nitrogen are doing. The built in"},{"speaker":"Alan Smith","startTime":1402.22,"endTime":1404.26,"body":"an AI. So risk guys are"},{"speaker":"Carl Widger","startTime":1405.28,"endTime":1407.44,"body":"there, I suppose,"},{"speaker":"Carl Widger","startTime":1405.28,"endTime":1407.44,"body":"like a"},{"speaker":"Nick Lincoln","startTime":1407.44,"endTime":1408.34,"body":"risk profiling"},{"speaker":"Carl Widger","startTime":1408.34,"endTime":1410.68,"body":"tool, yeah. But"},{"speaker":"Carl Widger","startTime":1408.34,"endTime":1410.68,"body":"it's a really, really cool one."},{"speaker":"Carl Widger","startTime":1410.74,"endTime":1414.42,"body":"And if you, if you, if you go"},{"speaker":"Carl Widger","startTime":1410.74,"endTime":1414.42,"body":"with the the idea here that,"},{"speaker":"Carl Widger","startTime":1414.42,"endTime":1417.6599999999999,"body":"well, this is just a compliance"},{"speaker":"Carl Widger","startTime":1414.42,"endTime":1417.6599999999999,"body":"thing that you have to do, yeah,"},{"speaker":"Carl Widger","startTime":1417.6599999999999,"endTime":1421.1399999999999,"body":"well, the Riskalyze one is the"},{"speaker":"Carl Widger","startTime":1417.6599999999999,"endTime":1421.1399999999999,"body":"best I've seen. I actually asked"},{"speaker":"Carl Widger","startTime":1421.1399999999999,"endTime":1424.02,"body":"them, would they, could they"},{"speaker":"Carl Widger","startTime":1421.1399999999999,"endTime":1424.02,"body":"bring it to Ireland? And they"},{"speaker":"Carl Widger","startTime":1424.02,"endTime":1427.92,"body":"couldn't, unfortunately, for"},{"speaker":"Carl Widger","startTime":1424.02,"endTime":1427.92,"body":"compliance reasons, etc. I guess"},{"speaker":"Carl Widger","startTime":1427.92,"endTime":1430.2,"body":"they could have, but it would"},{"speaker":"Carl Widger","startTime":1427.92,"endTime":1430.2,"body":"have taken a lot of time and"},{"speaker":"Carl Widger","startTime":1430.2,"endTime":1432.92,"body":"effort of money, and they didn't"},{"speaker":"Carl Widger","startTime":1430.2,"endTime":1432.92,"body":"want to, because the market's"},{"speaker":"Carl Widger","startTime":1432.92,"endTime":1438.92,"body":"too small. But so So risk allies"},{"speaker":"Carl Widger","startTime":1432.92,"endTime":1438.92,"body":"are trying to kind of haven't"},{"speaker":"Carl Widger","startTime":1485.0,"endTime":1487.34,"body":"heard this one. They'll also,"},{"speaker":"Carl Widger","startTime":1485.0,"endTime":1487.34,"body":"they'll also see that I was"},{"speaker":"Carl Widger","startTime":1487.34,"endTime":1490.28,"body":"deeply uncomfortable with the"},{"speaker":"Carl Widger","startTime":1487.34,"endTime":1490.28,"body":"content of some of today's"},{"speaker":"Carl Widger","startTime":1491.4199999999998,"endTime":1496.04,"body":"podcast owing to the Irish"},{"speaker":"Carl Widger","startTime":1491.4199999999998,"endTime":1496.04,"body":"versus UK cultural differences."},{"speaker":"Carl Widger","startTime":1498.9799999999998,"endTime":1499.04,"body":"I"},{"speaker":"Nick Lincoln","startTime":1504.8799999999999,"endTime":1507.6399999999999,"body":"i on that on that"},{"speaker":"Nick Lincoln","startTime":1504.8799999999999,"endTime":1507.6399999999999,"body":"note, how did Ireland lose the"},{"speaker":"Nick Lincoln","startTime":1507.6399999999999,"endTime":1509.5,"body":"third test when it's pissing"},{"speaker":"Nick Lincoln","startTime":1507.6399999999999,"endTime":1509.5,"body":"down with rain?"},{"speaker":"Carl Widger","startTime":1511.6,"endTime":1514.12,"body":"What the Irish and"},{"speaker":"Carl Widger","startTime":1511.6,"endTime":1514.12,"body":"British lines? Is"},{"speaker":"Nick Lincoln","startTime":1514.54,"endTime":1516.52,"body":"it? I think some"},{"speaker":"Nick Lincoln","startTime":1514.54,"endTime":1516.52,"body":"people are quite keen to point"},{"speaker":"Nick Lincoln","startTime":1516.52,"endTime":1519.54,"body":"out it was an Irish team and"},{"speaker":"Nick Lincoln","startTime":1516.52,"endTime":1519.54,"body":"they subsequently lost in the"},{"speaker":"Nick Lincoln","startTime":1519.54,"endTime":1520.32,"body":"pissing down rain. How"},{"speaker":"Carl Widger","startTime":1520.5,"endTime":1523.86,"body":"look we are very,"},{"speaker":"Carl Widger","startTime":1520.5,"endTime":1523.86,"body":"very, very fond of Joe Schmidt."},{"speaker":"Carl Widger","startTime":1523.9199999999998,"endTime":1528.8999999999999,"body":"He turned Irish rugby around. We"},{"speaker":"Carl Widger","startTime":1523.9199999999998,"endTime":1528.8999999999999,"body":"had to give Joe something. Oh, I"},{"speaker":"Carl Widger","startTime":1528.8999999999999,"endTime":1534.2399999999998,"body":"think it was nice. I think it"},{"speaker":"Carl Widger","startTime":1528.8999999999999,"endTime":1534.2399999999998,"body":"was nice my old pal Joe. Joe was"},{"speaker":"Carl Widger","startTime":1534.2399999999998,"endTime":1536.6,"body":"very, very, very good to me. But"},{"speaker":"Carl Widger","startTime":1534.2399999999998,"endTime":1536.6,"body":"meta started"},{"speaker":"Andy Hart","startTime":1536.6,"endTime":1539.3,"body":"up. Did anyone catch"},{"speaker":"Andy Hart","startTime":1536.6,"endTime":1539.3,"body":"the Australia South Africa game?"},{"speaker":"Andy Hart","startTime":1539.3,"endTime":1543.7399999999998,"body":"What happened? Australia were 22"},{"speaker":"Andy Hart","startTime":1539.3,"endTime":1543.7399999999998,"body":"nil up and Norby, yes. 22"},{"speaker":"Andy Hart","startTime":1543.9799999999998,"endTime":1546.9799999999998,"body":"usually 3822 at the end. Yes."},{"speaker":"Carl Widger","startTime":1547.1,"endTime":1549.9799999999998,"body":"Is not happy. I"},{"speaker":"Carl Widger","startTime":1547.1,"endTime":1549.9799999999998,"body":"would that that South Africa"},{"speaker":"Carl Widger","startTime":1549.9799999999998,"endTime":1552.5,"body":"camp is not a pleasant place to"},{"speaker":"Carl Widger","startTime":1549.9799999999998,"endTime":1552.5,"body":"be at the moment. But"},{"speaker":"Andy Hart","startTime":1552.5,"endTime":1554.54,"body":"anyway, I'll be, uh,"},{"speaker":"Andy Hart","startTime":1552.5,"endTime":1554.54,"body":"heading to South Africa in two"},{"speaker":"Andy Hart","startTime":1554.54,"endTime":1556.4599999999998,"body":"weeks time. So, yeah,"},{"speaker":"Andy Hart","startTime":1554.54,"endTime":1556.4599999999998,"body":"interesting to see what they've"},{"speaker":"Andy Hart","startTime":1556.4599999999998,"endTime":1557.36,"body":"got to say about it."},{"speaker":"Nick Lincoln","startTime":1557.78,"endTime":1559.7199999999998,"body":"Excellent."},{"speaker":"Nick Lincoln","startTime":1557.78,"endTime":1559.7199999999998,"body":"Interviews lined up with the"},{"speaker":"Nick Lincoln","startTime":1559.7199999999998,"endTime":1562.54,"body":"South African rugby team. Well"},{"speaker":"Nick Lincoln","startTime":1559.7199999999998,"endTime":1562.54,"body":"done, ultra you've surpassed"},{"speaker":"Nick Lincoln","startTime":1562.8999999999999,"endTime":1565.06,"body":"yourself. Storytelling."},{"speaker":"Alan Smith","startTime":1565.2399999999998,"endTime":1568.1799999999998,"body":"It's better to cut,"},{"speaker":"Alan Smith","startTime":1565.2399999999998,"endTime":1568.1799999999998,"body":"yeah, but I'm still, still my my"},{"speaker":"Alan Smith","startTime":1568.1799999999998,"endTime":1572.56,"body":"shout, because just clarify,"},{"speaker":"Alan Smith","startTime":1568.1799999999998,"endTime":1572.56,"body":"clarifying this Nike, so now"},{"speaker":"Alan Smith","startTime":1572.56,"endTime":1575.5,"body":"they've got this, like,"},{"speaker":"Alan Smith","startTime":1572.56,"endTime":1575.5,"body":"basically, a fancy risk profiler"},{"speaker":"Alan Smith","startTime":1575.56,"endTime":1577.9199999999998,"body":"that does. AI notes, is that"},{"speaker":"Alan Smith","startTime":1575.56,"endTime":1577.9199999999998,"body":"what you're saying, is that the"},{"speaker":"Carl Widger","startTime":1578.1,"endTime":1581.34,"body":"pretty much, right?"},{"speaker":"Carl Widger","startTime":1578.1,"endTime":1581.34,"body":"Okay, so how do you develop out"},{"speaker":"Carl Widger","startTime":1581.34,"endTime":1584.76,"body":"that plot, you know, that"},{"speaker":"Carl Widger","startTime":1581.34,"endTime":1584.76,"body":"platform to do way more stuff."},{"speaker":"Carl Widger","startTime":1584.76,"endTime":1585.54,"body":"So this is,"},{"speaker":"Alan Smith","startTime":1585.6599999999999,"endTime":1588.78,"body":"yeah, so try, my"},{"speaker":"Alan Smith","startTime":1585.6599999999999,"endTime":1588.78,"body":"understanding of this is trying"},{"speaker":"Alan Smith","startTime":1588.78,"endTime":1591.84,"body":"to understand which all the"},{"speaker":"Alan Smith","startTime":1588.78,"endTime":1591.84,"body":"various tech providers in the UK"},{"speaker":"Alan Smith","startTime":1591.84,"endTime":1594.1799999999998,"body":"and people that I know and have"},{"speaker":"Alan Smith","startTime":1591.84,"endTime":1594.1799999999998,"body":"spoken to, and they've all got"},{"speaker":"Alan Smith","startTime":1594.1799999999998,"endTime":1596.36,"body":"their so called roadmap, this is"},{"speaker":"Alan Smith","startTime":1594.1799999999998,"endTime":1596.36,"body":"what we're going to be doing."},{"speaker":"Alan Smith","startTime":1596.36,"endTime":1598.9399999999998,"body":"And I was trying to, like, piece"},{"speaker":"Alan Smith","startTime":1596.36,"endTime":1598.9399999999998,"body":"that together and work out, if"},{"speaker":"Alan Smith","startTime":1598.9399999999998,"endTime":1604.6999999999998,"body":"you go into if, sort of the this"},{"speaker":"Alan Smith","startTime":1598.9399999999998,"endTime":1604.6999999999998,"body":"magical thing existed, Carl that"},{"speaker":"Alan Smith","startTime":1604.6999999999998,"endTime":1607.3999999999999,"body":"we're looking for, you want to"},{"speaker":"Alan Smith","startTime":1604.6999999999998,"endTime":1607.3999999999999,"body":"find out early who's likely to"},{"speaker":"Alan Smith","startTime":1607.3999999999999,"endTime":1610.3999999999999,"body":"do this. There's no guarantee"},{"speaker":"Alan Smith","startTime":1607.3999999999999,"endTime":1610.3999999999999,"body":"they will execute successfully"},{"speaker":"Alan Smith","startTime":1610.3999999999999,"endTime":1612.3799999999999,"body":"on it, but you have to"},{"speaker":"Alan Smith","startTime":1610.3999999999999,"endTime":1612.3799999999999,"body":"understand what people's"},{"speaker":"Alan Smith","startTime":1612.3799999999999,"endTime":1615.5,"body":"ambitions are. And I'm not aware"},{"speaker":"Alan Smith","startTime":1612.3799999999999,"endTime":1615.5,"body":"of any company who what, who's"},{"speaker":"Alan Smith","startTime":1615.5,"endTime":1618.9399999999998,"body":"trying to do that exactly that"},{"speaker":"Alan Smith","startTime":1615.5,"endTime":1618.9399999999998,"body":"some are definitely broadening"},{"speaker":"Alan Smith","startTime":1619.0,"endTime":1621.6399999999999,"body":"their range of services and"},{"speaker":"Alan Smith","startTime":1619.0,"endTime":1621.6399999999999,"body":"options, but I don't think"},{"speaker":"Alan Smith","startTime":1621.6399999999999,"endTime":1623.9799999999998,"body":"everyone. There are a lot of"},{"speaker":"Alan Smith","startTime":1621.6399999999999,"endTime":1623.9799999999998,"body":"moving parts in a financial"},{"speaker":"Alan Smith","startTime":1623.9799999999998,"endTime":1626.5,"body":"planning company, a lot of"},{"speaker":"Alan Smith","startTime":1623.9799999999998,"endTime":1626.5,"body":"different types of technology."},{"speaker":"Alan Smith","startTime":1626.5,"endTime":1629.08,"body":"You've got the stuff we use for"},{"speaker":"Alan Smith","startTime":1626.5,"endTime":1629.08,"body":"our normal day to day business,"},{"speaker":"Alan Smith","startTime":1629.08,"endTime":1631.84,"body":"and you've got other stuff that"},{"speaker":"Alan Smith","startTime":1629.08,"endTime":1631.84,"body":"any company would use, like, as"},{"speaker":"Alan Smith","startTime":1631.84,"endTime":1637.02,"body":"you say, Andy, like booking"},{"speaker":"Alan Smith","startTime":1631.84,"endTime":1637.02,"body":"meetings or and is now note"},{"speaker":"Alan Smith","startTime":1637.02,"endTime":1640.08,"body":"taking, uh, AI enabled, note"},{"speaker":"Alan Smith","startTime":1637.02,"endTime":1640.08,"body":"taking, a whole bunch of other"},{"speaker":"Alan Smith","startTime":1640.08,"endTime":1643.4399999999998,"body":"things. So the crew, the crucial"},{"speaker":"Alan Smith","startTime":1640.08,"endTime":1643.4399999999998,"body":"aspect here is, and if, if we're"},{"speaker":"Alan Smith","startTime":1643.4399999999998,"endTime":1646.8,"body":"focusing on ai, ai is all about"},{"speaker":"Alan Smith","startTime":1643.4399999999998,"endTime":1646.8,"body":"data, isn't it? It's just about"},{"speaker":"Alan Smith","startTime":1646.8,"endTime":1650.1599999999999,"body":"having information, having"},{"speaker":"Alan Smith","startTime":1646.8,"endTime":1650.1599999999999,"body":"access to all your historical"},{"speaker":"Alan Smith","startTime":1650.6399999999999,"endTime":1655.3799999999999,"body":"exchanges, notes, meeting notes,"},{"speaker":"Alan Smith","startTime":1650.6399999999999,"endTime":1655.3799999999999,"body":"phone calls, every the most, the"},{"speaker":"Alan Smith","startTime":1655.3799999999999,"endTime":1658.6999999999998,"body":"more you've got, the more"},{"speaker":"Alan Smith","startTime":1655.3799999999999,"endTime":1658.6999999999998,"body":"beneficial it's likely to be. So"},{"speaker":"Alan Smith","startTime":1659.4799999999998,"endTime":1664.1,"body":"you need what we're calling our"},{"speaker":"Alan Smith","startTime":1659.4799999999998,"endTime":1664.1,"body":"kind of North Star, central"},{"speaker":"Alan Smith","startTime":1664.1,"endTime":1667.3999999999999,"body":"source of truth, whatever, where"},{"speaker":"Alan Smith","startTime":1664.1,"endTime":1667.3999999999999,"body":"is all the data sitting?"},{"speaker":"Alan Smith","startTime":1668.9599999999998,"endTime":1673.04,"body":"And for us, anyway, it is our"},{"speaker":"Alan Smith","startTime":1668.9599999999998,"endTime":1673.04,"body":"CRM system. The CRM systems have"},{"speaker":"Alan Smith","startTime":1673.04,"endTime":1675.9199999999998,"body":"got they've got first mover"},{"speaker":"Alan Smith","startTime":1673.04,"endTime":1675.9199999999998,"body":"advantage, because that's"},{"speaker":"Alan Smith","startTime":1675.9199999999998,"endTime":1679.9599999999998,"body":"historically where data is kept"},{"speaker":"Alan Smith","startTime":1675.9199999999998,"endTime":1679.9599999999998,"body":"feedback I've had from some of"},{"speaker":"Alan Smith","startTime":1679.9599999999998,"endTime":1684.1599999999999,"body":"these companies is that ifas"},{"speaker":"Alan Smith","startTime":1679.9599999999998,"endTime":1684.1599999999999,"body":"historically haven't been great"},{"speaker":"Alan Smith","startTime":1684.4599999999998,"endTime":1687.82,"body":"at keeping, you know, high"},{"speaker":"Alan Smith","startTime":1684.4599999999998,"endTime":1687.82,"body":"quality data, there are, there"},{"speaker":"Alan Smith","startTime":1687.8799999999999,"endTime":1690.34,"body":"are lots of fields missing."},{"speaker":"Alan Smith","startTime":1687.8799999999999,"endTime":1690.34,"body":"There is information missing."},{"speaker":"Alan Smith","startTime":1690.34,"endTime":1692.86,"body":"Says a bit. A big part of this"},{"speaker":"Alan Smith","startTime":1690.34,"endTime":1692.86,"body":"is, first of all, get out your"},{"speaker":"Alan Smith","startTime":1692.86,"endTime":1696.6399999999999,"body":"data, try to try to fill in,"},{"speaker":"Alan Smith","startTime":1692.86,"endTime":1696.6399999999999,"body":"like, the bits which are"},{"speaker":"Alan Smith","startTime":1696.6399999999999,"endTime":1699.4199999999998,"body":"missing, because it'd be more"},{"speaker":"Alan Smith","startTime":1696.6399999999999,"endTime":1699.4199999999998,"body":"beneficial. And certainly as of"},{"speaker":"Alan Smith","startTime":1699.4199999999998,"endTime":1703.1999999999998,"body":"now, everything that you do"},{"speaker":"Alan Smith","startTime":1699.4199999999998,"endTime":1703.1999999999998,"body":"every day, every email exchange,"},{"speaker":"Alan Smith","startTime":1703.5,"endTime":1705.84,"body":"every meeting, every"},{"speaker":"Alan Smith","startTime":1703.5,"endTime":1705.84,"body":"conversation, should be stored"},{"speaker":"Alan Smith","startTime":1706.1399999999999,"endTime":1708.84,"body":"somewhere, because that will"},{"speaker":"Alan Smith","startTime":1706.1399999999999,"endTime":1708.84,"body":"just become so beneficial to you"},{"speaker":"Alan Smith","startTime":1708.84,"endTime":1711.6,"body":"as you go go forward. But"},{"speaker":"Alan Smith","startTime":1713.1599999999999,"endTime":1718.1599999999999,"body":"having been down this road,"},{"speaker":"Alan Smith","startTime":1713.1599999999999,"endTime":1718.1599999999999,"body":"having tested God knows how many"},{"speaker":"Alan Smith","startTime":1718.3999999999999,"endTime":1721.1599999999999,"body":"of these different systems. I"},{"speaker":"Alan Smith","startTime":1718.3999999999999,"endTime":1721.1599999999999,"body":"think I mentioned this before. I"},{"speaker":"Alan Smith","startTime":1721.1599999999999,"endTime":1724.6999999999998,"body":"think I did anyway, on a"},{"speaker":"Alan Smith","startTime":1721.1599999999999,"endTime":1724.6999999999998,"body":"previous podcast, we've"},{"speaker":"Alan Smith","startTime":1724.6999999999998,"endTime":1729.62,"body":"effectively narrowed it down to"},{"speaker":"Alan Smith","startTime":1724.6999999999998,"endTime":1729.62,"body":"three tech that's our tech"},{"speaker":"Alan Smith","startTime":1729.62,"endTime":1733.52,"body":"stack, our sort of core tech"},{"speaker":"Alan Smith","startTime":1729.62,"endTime":1733.52,"body":"stack, excluding Microsoft, or"},{"speaker":"Alan Smith","startTime":1733.52,"endTime":1737.1999999999998,"body":"any kind of more generic things,"},{"speaker":"Alan Smith","startTime":1733.52,"endTime":1737.1999999999998,"body":"our financial planning tech"},{"speaker":"Alan Smith","startTime":1737.1999999999998,"endTime":1740.9199999999998,"body":"stack, uh, naming names for us,"},{"speaker":"Alan Smith","startTime":1737.1999999999998,"endTime":1740.9199999999998,"body":"it's intelligence office, which"},{"speaker":"Alan Smith","startTime":1740.9199999999998,"endTime":1745.1799999999998,"body":"we've been using for years. Far"},{"speaker":"Alan Smith","startTime":1740.9199999999998,"endTime":1745.1799999999998,"body":"from perfect, but it's probably"},{"speaker":"Alan Smith","startTime":1745.1799999999998,"endTime":1748.6,"body":"the best Microsoft runs most"},{"speaker":"Alan Smith","startTime":1745.1799999999998,"endTime":1748.6,"body":"businesses these days, and"},{"speaker":"Alan Smith","startTime":1748.6,"endTime":1754.4799999999998,"body":"that's becoming more the central"},{"speaker":"Alan Smith","startTime":1748.6,"endTime":1754.4799999999998,"body":"place. Yeah, micro. But you what"},{"speaker":"Alan Smith","startTime":1754.4799999999998,"endTime":1756.8999999999999,"body":"you want to have, you can have"},{"speaker":"Alan Smith","startTime":1754.4799999999998,"endTime":1756.8999999999999,"body":"sort of. I mean, we all. We use"},{"speaker":"Alan Smith","startTime":1756.8999999999999,"endTime":1759.84,"body":"Microsoft, like for Outlook and"},{"speaker":"Alan Smith","startTime":1756.8999999999999,"endTime":1759.84,"body":"email and excel and stuff like"},{"speaker":"Alan Smith","startTime":1759.9599999999998,"endTime":1763.3799999999999,"body":"that, many different elements to"},{"speaker":"Alan Smith","startTime":1759.9599999999998,"endTime":1763.3799999999999,"body":"it. Now you're gonna, you're"},{"speaker":"Alan Smith","startTime":1763.3799999999999,"endTime":1766.3799999999999,"body":"gonna have to configure it"},{"speaker":"Alan Smith","startTime":1763.3799999999999,"endTime":1766.3799999999999,"body":"yourself, which, and this is the"},{"speaker":"Alan Smith","startTime":1766.3799999999999,"endTime":1769.6799999999998,"body":"other thing, and we all know, or"},{"speaker":"Alan Smith","startTime":1766.3799999999999,"endTime":1769.6799999999998,"body":"certainly, Andy Nick, and I know"},{"speaker":"Alan Smith","startTime":1769.6799999999998,"endTime":1772.56,"body":"there's a few financial planning"},{"speaker":"Alan Smith","startTime":1769.6799999999998,"endTime":1772.56,"body":"companies have kind of tried to"},{"speaker":"Alan Smith","startTime":1773.3999999999999,"endTime":1776.1599999999999,"body":"reinvent themselves, or in the"},{"speaker":"Alan Smith","startTime":1773.3999999999999,"endTime":1776.1599999999999,"body":"absence of having really good"},{"speaker":"Alan Smith","startTime":1776.1599999999999,"endTime":1779.12,"body":"tech, they've tried to build it"},{"speaker":"Alan Smith","startTime":1776.1599999999999,"endTime":1779.12,"body":"themselves to varying degrees of"},{"speaker":"Alan Smith","startTime":1779.12,"endTime":1781.1599999999999,"body":"success. I've taken the"},{"speaker":"Alan Smith","startTime":1779.12,"endTime":1781.1599999999999,"body":"decision, I'm not going down"},{"speaker":"Alan Smith","startTime":1781.1599999999999,"endTime":1783.9199999999998,"body":"that route. I'm not going to try"},{"speaker":"Alan Smith","startTime":1781.1599999999999,"endTime":1783.9199999999998,"body":"to be a tech developer, company,"},{"speaker":"Alan Smith","startTime":1783.9199999999998,"endTime":1787.2199999999998,"body":"hire engineers and build all"},{"speaker":"Alan Smith","startTime":1783.9199999999998,"endTime":1787.2199999999998,"body":"that because you need that. I'm"},{"speaker":"Alan Smith","startTime":1787.2199999999998,"endTime":1790.6399999999999,"body":"familiar with Curo as one of the"},{"speaker":"Alan Smith","startTime":1787.2199999999998,"endTime":1790.6399999999999,"body":"back office systems, CRM"},{"speaker":"Alan Smith","startTime":1790.6399999999999,"endTime":1793.52,"body":"systems, which is built on"},{"speaker":"Alan Smith","startTime":1790.6399999999999,"endTime":1793.52,"body":"Microsoft Dynamics, or at least"},{"speaker":"Alan Smith","startTime":1793.52,"endTime":1796.2199999999998,"body":"it was last time I looked, and"},{"speaker":"Alan Smith","startTime":1793.52,"endTime":1796.2199999999998,"body":"they were always making the play"},{"speaker":"Alan Smith","startTime":1796.2199999999998,"endTime":1799.12,"body":"that, you know, we can leverage"},{"speaker":"Alan Smith","startTime":1796.2199999999998,"endTime":1799.12,"body":"Microsoft, multi billion dollar"},{"speaker":"Alan Smith","startTime":1799.78,"endTime":1801.82,"body":"research budget, and we just sit"},{"speaker":"Alan Smith","startTime":1799.78,"endTime":1801.82,"body":"on that. But"},{"speaker":"Alan Smith","startTime":1803.08,"endTime":1805.36,"body":"the feedback I've heard from"},{"speaker":"Alan Smith","startTime":1803.08,"endTime":1805.36,"body":"others say, yeah, it's all"},{"speaker":"Alan Smith","startTime":1805.36,"endTime":1808.6,"body":"right. It's not, it's not kind"},{"speaker":"Alan Smith","startTime":1805.36,"endTime":1808.6,"body":"of absolutely game changing. But"},{"speaker":"Alan Smith","startTime":1808.6599999999999,"endTime":1811.54,"body":"nevertheless, anyway, so we use"},{"speaker":"Alan Smith","startTime":1808.6599999999999,"endTime":1811.54,"body":"IO as our central source of"},{"speaker":"Alan Smith","startTime":1811.54,"endTime":1814.2399999999998,"body":"truth. We've been using it for"},{"speaker":"Alan Smith","startTime":1811.54,"endTime":1814.2399999999998,"body":"years, so got a lot of data in"},{"speaker":"Alan Smith","startTime":1814.2399999999998,"endTime":1817.08,"body":"there, and we're able to now to"},{"speaker":"Alan Smith","startTime":1814.2399999999998,"endTime":1817.08,"body":"sort of do a back search for"},{"speaker":"Alan Smith","startTime":1817.08,"endTime":1820.4399999999998,"body":"things, prepping for and what"},{"speaker":"Alan Smith","startTime":1817.08,"endTime":1820.4399999999998,"body":"would be great talk about time"},{"speaker":"Alan Smith","startTime":1820.4399999999998,"endTime":1823.1999999999998,"body":"save you. Think of all the"},{"speaker":"Alan Smith","startTime":1820.4399999999998,"endTime":1823.1999999999998,"body":"things you do in the normal"},{"speaker":"Alan Smith","startTime":1823.1999999999998,"endTime":1825.84,"body":"course of events. You prepare"},{"speaker":"Alan Smith","startTime":1823.1999999999998,"endTime":1825.84,"body":"for a meeting. Most of us have"},{"speaker":"Alan Smith","startTime":1825.84,"endTime":1828.78,"body":"regular meetings almost every"},{"speaker":"Alan Smith","startTime":1825.84,"endTime":1828.78,"body":"day, certainly every week, with"},{"speaker":"Alan Smith","startTime":1828.78,"endTime":1831.36,"body":"existing clients. And you've got"},{"speaker":"Alan Smith","startTime":1828.78,"endTime":1831.36,"body":"and sometimes we've known them"},{"speaker":"Alan Smith","startTime":1831.36,"endTime":1834.3,"body":"for 10 or 15 years, and there's"},{"speaker":"Alan Smith","startTime":1831.36,"endTime":1834.3,"body":"a lot of exchanges have happened"},{"speaker":"Alan Smith","startTime":1834.3,"endTime":1836.84,"body":"in that in that time. And so"},{"speaker":"Alan Smith","startTime":1834.3,"endTime":1836.84,"body":"you've got to prepare for your"},{"speaker":"Alan Smith","startTime":1836.84,"endTime":1839.1799999999998,"body":"meeting and try to remember the"},{"speaker":"Alan Smith","startTime":1836.84,"endTime":1839.1799999999998,"body":"last thing, what you said at the"},{"speaker":"Alan Smith","startTime":1839.1799999999998,"endTime":1843.8,"body":"last meeting. So what we can get"},{"speaker":"Alan Smith","startTime":1839.1799999999998,"endTime":1843.8,"body":"now is we can just a meeting"},{"speaker":"Alan Smith","startTime":1843.8,"endTime":1847.34,"body":"prep note which which summarizes"},{"speaker":"Alan Smith","startTime":1843.8,"endTime":1847.34,"body":"all the key points, the very"},{"speaker":"Alan Smith","startTime":1847.34,"endTime":1849.62,"body":"specific things you talked about"},{"speaker":"Alan Smith","startTime":1847.34,"endTime":1849.62,"body":"the last meeting, what was"},{"speaker":"Alan Smith","startTime":1849.62,"endTime":1852.62,"body":"agreed, and any other kind of"},{"speaker":"Alan Smith","startTime":1849.62,"endTime":1852.62,"body":"lifestyle type events, things"},{"speaker":"Alan Smith","startTime":1852.62,"endTime":1856.04,"body":"which may have happened, and,"},{"speaker":"Alan Smith","startTime":1852.62,"endTime":1856.04,"body":"you know, dates and things they"},{"speaker":"Alan Smith","startTime":1856.04,"endTime":1858.6999999999998,"body":"might have mentioned they were,"},{"speaker":"Alan Smith","startTime":1856.04,"endTime":1858.6999999999998,"body":"they were going in a big holiday"},{"speaker":"Alan Smith","startTime":1858.6999999999998,"endTime":1861.8799999999999,"body":"and and it sort of comes up,"},{"speaker":"Alan Smith","startTime":1858.6999999999998,"endTime":1861.8799999999999,"body":"rather than you said that, that"},{"speaker":"Alan Smith","startTime":1861.8799999999999,"endTime":1864.4599999999998,"body":"will just save a bit of time"},{"speaker":"Alan Smith","startTime":1861.8799999999999,"endTime":1864.4599999999998,"body":"every time you go into a"},{"speaker":"Alan Smith","startTime":1864.4599999999998,"endTime":1867.2199999999998,"body":"meeting. And then going forward,"},{"speaker":"Alan Smith","startTime":1864.4599999999998,"endTime":1867.2199999999998,"body":"you're building on that data, so"},{"speaker":"Alan Smith","startTime":1867.2199999999998,"endTime":1871.0,"body":"we use that. It'll make you a"},{"speaker":"Alan Smith","startTime":1867.2199999999998,"endTime":1871.0,"body":"better advisor as well. Yeah, by"},{"speaker":"Alan Smith","startTime":1871.12,"endTime":1873.34,"body":"the way, I was thinking there's"},{"speaker":"Alan Smith","startTime":1871.12,"endTime":1873.34,"body":"going to be, there's, there's a"},{"speaker":"Alan Smith","startTime":1873.3999999999999,"endTime":1876.04,"body":"window of opportunity in there,"},{"speaker":"Alan Smith","startTime":1873.3999999999999,"endTime":1876.04,"body":"maybe for a year or two years."},{"speaker":"Alan Smith","startTime":1876.12,"endTime":1878.3999999999999,"body":"Is, well, your clients think"},{"speaker":"Alan Smith","startTime":1876.12,"endTime":1878.3999999999999,"body":"you're a freaking genius. You"},{"speaker":"Alan Smith","startTime":1878.3999999999999,"endTime":1881.4599999999998,"body":"know everything about, you know,"},{"speaker":"Alan Smith","startTime":1878.3999999999999,"endTime":1881.4599999999998,"body":"their inside leg measurement,"},{"speaker":"Alan Smith","startTime":1881.4599999999998,"endTime":1884.34,"body":"their daughter's birthday and"},{"speaker":"Alan Smith","startTime":1881.4599999999998,"endTime":1884.34,"body":"her boyfriend's name and all,"},{"speaker":"Alan Smith","startTime":1884.76,"endTime":1887.82,"body":"and then eventually they're"},{"speaker":"Alan Smith","startTime":1884.76,"endTime":1887.82,"body":"gonna go, Ah, this is AI, isn't"},{"speaker":"Alan Smith","startTime":1887.82,"endTime":1888.0,"body":"it?"},{"speaker":"Carl Widger","startTime":1889.02,"endTime":1891.1799999999998,"body":"Yeah, you didn't"},{"speaker":"Carl Widger","startTime":1889.02,"endTime":1891.1799999999998,"body":"really give a shit, yeah,"},{"speaker":"Alan Smith","startTime":1892.86,"endTime":1895.62,"body":"exactly. Your little"},{"speaker":"Alan Smith","startTime":1892.86,"endTime":1895.62,"body":"machine popped up and told you"},{"speaker":"Alan Smith","startTime":1895.62,"endTime":1900.8,"body":"all this stuff, yeah. Anyway, so"},{"speaker":"Alan Smith","startTime":1895.62,"endTime":1900.8,"body":"we use AI, we use Saturn, and"},{"speaker":"Alan Smith","startTime":1900.8,"endTime":1904.6399999999999,"body":"we're using timeline and and"},{"speaker":"Alan Smith","startTime":1900.8,"endTime":1904.6399999999999,"body":"they all kind of integrate, I"},{"speaker":"Alan Smith","startTime":1904.6399999999999,"endTime":1907.9399999999998,"body":"don't my belief from what I've"},{"speaker":"Alan Smith","startTime":1904.6399999999999,"endTime":1907.9399999999998,"body":"said, and they'll, they'll tell"},{"speaker":"Alan Smith","startTime":1907.9399999999998,"endTime":1911.06,"body":"me if I'm wrong, but I don't"},{"speaker":"Alan Smith","startTime":1907.9399999999998,"endTime":1911.06,"body":"think that Saturn or timeline"},{"speaker":"Alan Smith","startTime":1911.06,"endTime":1915.8,"body":"have ambition to become a fully"},{"speaker":"Alan Smith","startTime":1911.06,"endTime":1915.8,"body":"fledged CRM system with all your"},{"speaker":"Alan Smith","startTime":1915.8,"endTime":1921.1,"body":"back, back data, that's a very"},{"speaker":"Alan Smith","startTime":1915.8,"endTime":1921.1,"body":"that's a complex offering. Yeah,"},{"speaker":"Alan Smith","startTime":1922.1799999999998,"endTime":1924.6399999999999,"body":"yeah, it's not the most"},{"speaker":"Alan Smith","startTime":1922.1799999999998,"endTime":1924.6399999999999,"body":"profitable. If I was, if you're"},{"speaker":"Alan Smith","startTime":1924.6399999999999,"endTime":1927.34,"body":"starting a tech business, you"},{"speaker":"Alan Smith","startTime":1924.6399999999999,"endTime":1927.34,"body":"might not be creating one of"},{"speaker":"Alan Smith","startTime":1927.34,"endTime":1929.9199999999998,"body":"those. But the key thing is, it"},{"speaker":"Alan Smith","startTime":1927.34,"endTime":1929.9199999999998,"body":"all integrates and speaks to"},{"speaker":"Alan Smith","startTime":1929.9199999999998,"endTime":1934.0,"body":"each other. So we've gone from"},{"speaker":"Alan Smith","startTime":1929.9199999999998,"endTime":1934.0,"body":"being me leading from the front"},{"speaker":"Alan Smith","startTime":1934.0,"endTime":1936.6,"body":"as always, and when the sort of"},{"speaker":"Alan Smith","startTime":1934.0,"endTime":1936.6,"body":"Magpie, shiny new object, oh,"},{"speaker":"Alan Smith","startTime":1936.6,"endTime":1939.06,"body":"there's a new one. There's a new"},{"speaker":"Alan Smith","startTime":1936.6,"endTime":1939.06,"body":"one. There's this. Try this, I"},{"speaker":"Alan Smith","startTime":1939.06,"endTime":1941.58,"body":"mean, but it's fine, because"},{"speaker":"Alan Smith","startTime":1939.06,"endTime":1941.58,"body":"we've gone through that and now"},{"speaker":"Alan Smith","startTime":1941.58,"endTime":1943.6799999999998,"body":"we said, right of all these"},{"speaker":"Alan Smith","startTime":1941.58,"endTime":1943.6799999999998,"body":"various tools and things that"},{"speaker":"Alan Smith","startTime":1943.6799999999998,"endTime":1947.58,"body":"we've tried, these probably"},{"speaker":"Alan Smith","startTime":1943.6799999999998,"endTime":1947.58,"body":"represent best of breed right"},{"speaker":"Alan Smith","startTime":1947.58,"endTime":1951.36,"body":"now. They they, by and large,"},{"speaker":"Alan Smith","startTime":1947.58,"endTime":1951.36,"body":"speak to each other. One feeds"},{"speaker":"Alan Smith","startTime":1951.36,"endTime":1954.2399999999998,"body":"into the other. It's not"},{"speaker":"Alan Smith","startTime":1951.36,"endTime":1954.2399999999998,"body":"perfect, but data flow back and"},{"speaker":"Alan Smith","startTime":1954.2399999999998,"endTime":1958.6999999999998,"body":"forward. So we've got a fairly"},{"speaker":"Alan Smith","startTime":1954.2399999999998,"endTime":1958.6999999999998,"body":"streamlined tech operation"},{"speaker":"Alan Smith","startTime":1958.76,"endTime":1963.62,"body":"using, let's say, three of the"},{"speaker":"Alan Smith","startTime":1958.76,"endTime":1963.62,"body":"core things, plus Microsoft. And"},{"speaker":"Alan Smith","startTime":1963.6799999999998,"endTime":1967.04,"body":"it's a work in progress, and"},{"speaker":"Alan Smith","startTime":1963.6799999999998,"endTime":1967.04,"body":"it's it's building, but I agree"},{"speaker":"Alan Smith","startTime":1967.2199999999998,"endTime":1969.86,"body":"with you, if I'm projecting"},{"speaker":"Alan Smith","startTime":1967.2199999999998,"endTime":1969.86,"body":"forward a year from now, and"},{"speaker":"Alan Smith","startTime":1969.86,"endTime":1974.0,"body":"honestly, we really are seeing"},{"speaker":"Alan Smith","startTime":1969.86,"endTime":1974.0,"body":"significant material gains. And"},{"speaker":"Alan Smith","startTime":1974.0,"endTime":1977.86,"body":"the main thing is productivity"},{"speaker":"Alan Smith","startTime":1974.0,"endTime":1977.86,"body":"and time and and it's a bit,"},{"speaker":"Alan Smith","startTime":1977.86,"endTime":1980.32,"body":"it's a it's a virtuous cycle,"},{"speaker":"Alan Smith","startTime":1977.86,"endTime":1980.32,"body":"because,"},{"speaker":"Alan Smith","startTime":1981.58,"endTime":1984.28,"body":"you know, there's no question"},{"speaker":"Alan Smith","startTime":1981.58,"endTime":1984.28,"body":"that some of our team, and the"},{"speaker":"Alan Smith","startTime":1984.28,"endTime":1986.86,"body":"support team, para planner"},{"speaker":"Alan Smith","startTime":1984.28,"endTime":1986.86,"body":"associates, etc, they've got an"},{"speaker":"Alan Smith","startTime":1986.86,"endTime":1990.34,"body":"extra hour or two hours a day at"},{"speaker":"Alan Smith","startTime":1986.86,"endTime":1990.34,"body":"the moment. And obviously I'm"},{"speaker":"Alan Smith","startTime":1990.34,"endTime":1993.3999999999999,"body":"saying, What are you doing with"},{"speaker":"Alan Smith","startTime":1990.34,"endTime":1993.3999999999999,"body":"that time? And what it means is,"},{"speaker":"Alan Smith","startTime":1993.3999999999999,"endTime":1996.1,"body":"we've got more capacity. Number"},{"speaker":"Alan Smith","startTime":1993.3999999999999,"endTime":1996.1,"body":"one, we can and people are."},{"speaker":"Alan Smith","startTime":1996.1,"endTime":1998.8799999999999,"body":"People have always been in"},{"speaker":"Alan Smith","startTime":1996.1,"endTime":1998.8799999999999,"body":"financial services and my in my"},{"speaker":"Alan Smith","startTime":1998.8799999999999,"endTime":2001.2199999999998,"body":"business as well. They always"},{"speaker":"Alan Smith","startTime":1998.8799999999999,"endTime":2001.2199999999998,"body":"stretch. They're always so busy,"},{"speaker":"Alan Smith","startTime":2001.2199999999998,"endTime":2003.62,"body":"so busy. They're always taking"},{"speaker":"Alan Smith","startTime":2001.2199999999998,"endTime":2003.62,"body":"on too much. Now people are just"},{"speaker":"Alan Smith","startTime":2003.62,"endTime":2006.62,"body":"a little bit less busy. They're"},{"speaker":"Alan Smith","startTime":2003.62,"endTime":2006.62,"body":"not quite, as you know, running"},{"speaker":"Alan Smith","startTime":2006.62,"endTime":2009.32,"body":"around like headless chickens,"},{"speaker":"Alan Smith","startTime":2006.62,"endTime":2009.32,"body":"which is great. And so they're"},{"speaker":"Alan Smith","startTime":2009.32,"endTime":2011.9599999999998,"body":"able to be a bit more creative."},{"speaker":"Alan Smith","startTime":2009.32,"endTime":2011.9599999999998,"body":"They're able to think a bit more"},{"speaker":"Alan Smith","startTime":2011.9599999999998,"endTime":2014.7199999999998,"body":"about the next client meeting."},{"speaker":"Alan Smith","startTime":2011.9599999999998,"endTime":2014.7199999999998,"body":"But more importantly, and"},{"speaker":"Alan Smith","startTime":2014.7199999999998,"endTime":2018.3999999999999,"body":"there's some people in my team,"},{"speaker":"Alan Smith","startTime":2014.7199999999998,"endTime":2018.3999999999999,"body":"shout out to Ashley, who's"},{"speaker":"Alan Smith","startTime":2018.3999999999999,"endTime":2020.6799999999998,"body":"taking the time to then build"},{"speaker":"Alan Smith","startTime":2018.3999999999999,"endTime":2020.6799999999998,"body":"another level. They're going"},{"speaker":"Alan Smith","startTime":2020.6799999999998,"endTime":2024.1,"body":"into some of that Microsoft"},{"speaker":"Alan Smith","startTime":2020.6799999999998,"endTime":2024.1,"body":"copilot, which is an existing,"},{"speaker":"Alan Smith","startTime":2024.1,"endTime":2026.5,"body":"you know, Microsoft AI tool, and"},{"speaker":"Alan Smith","startTime":2024.1,"endTime":2026.5,"body":"saying, right, what can it what"},{"speaker":"Alan Smith","startTime":2026.5,"endTime":2026.9799999999998,"body":"can it do?"},{"speaker":"Unknown","startTime":2030.52,"endTime":2035.3799999999999,"body":"Grab yourself a drink."},{"speaker":"Unknown","startTime":2030.52,"endTime":2035.3799999999999,"body":"A very long drink. It's story"},{"speaker":"Unknown","startTime":2035.3799999999999,"endTime":2037.56,"body":"time with Helen Smith,"},{"speaker":"Alan Smith","startTime":2039.12,"endTime":2041.2199999999998,"body":"Ah, thank you."},{"speaker":"Alan Smith","startTime":2039.12,"endTime":2041.2199999999998,"body":"Haven't heard that for a little"},{"speaker":"Alan Smith","startTime":2041.2199999999998,"endTime":2044.4599999999998,"body":"while. It's good, right? Nick"},{"speaker":"Alan Smith","startTime":2041.2199999999998,"endTime":2044.4599999999998,"body":"your point. Yeah, I'm done."},{"speaker":"Nick Lincoln","startTime":2045.84,"endTime":2047.28,"body":"Well, are you"},{"speaker":"Nick Lincoln","startTime":2045.84,"endTime":2047.28,"body":"done? Are you done?"},{"speaker":"Alan Smith","startTime":2049.38,"endTime":2053.46,"body":"Smith, apparently I"},{"speaker":"Alan Smith","startTime":2049.38,"endTime":2053.46,"body":"was just saying time creates"},{"speaker":"Alan Smith","startTime":2053.46,"endTime":2056.42,"body":"more time, and then you can"},{"speaker":"Alan Smith","startTime":2053.46,"endTime":2056.42,"body":"decide how you wish to deploy"},{"speaker":"Alan Smith","startTime":2056.42,"endTime":2059.96,"body":"that time. And in our case,"},{"speaker":"Alan Smith","startTime":2056.42,"endTime":2059.96,"body":"we're building other internal"},{"speaker":"Alan Smith","startTime":2060.32,"endTime":2063.92,"body":"tech tools using existing"},{"speaker":"Alan Smith","startTime":2060.32,"endTime":2063.92,"body":"technology like Microsoft. So"},{"speaker":"Alan Smith","startTime":2064.34,"endTime":2067.34,"body":"fast forward a year from now, we"},{"speaker":"Alan Smith","startTime":2064.34,"endTime":2067.34,"body":"ought to be absolutely super"},{"speaker":"Alan Smith","startTime":2067.34,"endTime":2071.0,"body":"efficient and lean and flying."},{"speaker":"Alan Smith","startTime":2067.34,"endTime":2071.0,"body":"So it is a good thing to do."},{"speaker":"Alan Smith","startTime":2071.3,"endTime":2072.62,"body":"Nick, okay, Matt,"},{"speaker":"Nick Lincoln","startTime":2072.62,"endTime":2074.42,"body":"just a quick one,"},{"speaker":"Nick Lincoln","startTime":2072.62,"endTime":2074.42,"body":"really. So you mentioned three"},{"speaker":"Nick Lincoln","startTime":2074.42,"endTime":2079.54,"body":"bits of financial services"},{"speaker":"Nick Lincoln","startTime":2074.42,"endTime":2079.54,"body":"related tech and you said IO and"},{"speaker":"Nick Lincoln","startTime":2079.54,"endTime":2083.14,"body":"Saturn and timeline, but surely"},{"speaker":"Nick Lincoln","startTime":2079.54,"endTime":2083.14,"body":"your platform is the am I being"},{"speaker":"Nick Lincoln","startTime":2083.14,"endTime":2086.26,"body":"some is actually semantic, but"},{"speaker":"Nick Lincoln","startTime":2083.14,"endTime":2086.26,"body":"the platform is a fundamental"},{"speaker":"Nick Lincoln","startTime":2086.26,"endTime":2088.0,"body":"part of the tech stack, and"},{"speaker":"Nick Lincoln","startTime":2086.26,"endTime":2088.0,"body":"that's right, sorry,"},{"speaker":"Andy Hart","startTime":2089.38,"endTime":2092.38,"body":"80% of the tech"},{"speaker":"Andy Hart","startTime":2089.38,"endTime":2092.38,"body":"stack. Nick, yeah, yeah, but"},{"speaker":"Alan Smith","startTime":2093.46,"endTime":2096.6,"body":"yeah, fair enough"},{"speaker":"Alan Smith","startTime":2093.46,"endTime":2096.6,"body":"it's but it's as Andy calls,"},{"speaker":"Alan Smith","startTime":2096.6,"endTime":2099.3,"body":"it's plumbing, isn't it? The"},{"speaker":"Alan Smith","startTime":2096.6,"endTime":2099.3,"body":"platform just provides custody,"},{"speaker":"Alan Smith","startTime":2099.3,"endTime":2102.96,"body":"trading admin. It's not, it's"},{"speaker":"Alan Smith","startTime":2099.3,"endTime":2102.96,"body":"not adding, you're never going"},{"speaker":"Alan Smith","startTime":2102.96,"endTime":2106.26,"body":"to store you've got client data"},{"speaker":"Alan Smith","startTime":2102.96,"endTime":2106.26,"body":"into, as it relates to their,"},{"speaker":"Alan Smith","startTime":2106.68,"endTime":2109.62,"body":"you know, investment funds, but"},{"speaker":"Alan Smith","startTime":2106.68,"endTime":2109.62,"body":"you haven't got a lot else on"},{"speaker":"Alan Smith","startTime":2109.62,"endTime":2111.18,"body":"it. You haven't got the sort of,"},{"speaker":"Alan Smith","startTime":2109.62,"endTime":2111.18,"body":"well,"},{"speaker":"Nick Lincoln","startTime":2111.18,"endTime":2113.4,"body":"I use, I use my"},{"speaker":"Nick Lincoln","startTime":2111.18,"endTime":2113.4,"body":"platform as my as my back office"},{"speaker":"Nick Lincoln","startTime":2113.4,"endTime":2116.96,"body":"system, in terms of just client,"},{"speaker":"Nick Lincoln","startTime":2113.4,"endTime":2116.96,"body":"National Insurance numbers,"},{"speaker":"Nick Lincoln","startTime":2117.02,"endTime":2117.74,"body":"address"},{"speaker":"Andy Hart","startTime":2117.86,"endTime":2119.06,"body":"got a lot of"},{"speaker":"Nick Lincoln","startTime":2120.86,"endTime":2123.74,"body":"statistical"},{"speaker":"Nick Lincoln","startTime":2120.86,"endTime":2123.74,"body":"history. I mean, you could say"},{"speaker":"Nick Lincoln","startTime":2123.74,"endTime":2128.0,"body":"IO is plumbing really. I mean,"},{"speaker":"Nick Lincoln","startTime":2123.74,"endTime":2128.0,"body":"that's just a blood it is. It's"},{"speaker":"Nick Lincoln","startTime":2128.12,"endTime":2130.2799999999997,"body":"all this thing of ours, you"},{"speaker":"Nick Lincoln","startTime":2128.12,"endTime":2130.2799999999997,"body":"know, it just"},{"speaker":"Alan Smith","startTime":2130.8199999999997,"endTime":2132.74,"body":"happened to be, but"},{"speaker":"Alan Smith","startTime":2130.8199999999997,"endTime":2132.74,"body":"there's varying degrees of"},{"speaker":"Alan Smith","startTime":2132.74,"endTime":2135.2,"body":"plumbing. There's ones which are"},{"speaker":"Alan Smith","startTime":2132.74,"endTime":2135.2,"body":"just, you know, pure data. I"},{"speaker":"Alan Smith","startTime":2135.2,"endTime":2139.3599999999997,"body":"think things like Saturn, is a"},{"speaker":"Alan Smith","startTime":2135.2,"endTime":2139.3599999999997,"body":"bit more, you know, proactive"},{"speaker":"Alan Smith","startTime":2139.3599999999997,"endTime":2143.8599999999997,"body":"plumbing, in terms of it enables"},{"speaker":"Alan Smith","startTime":2139.3599999999997,"endTime":2143.8599999999997,"body":"you to deliver a better service,"},{"speaker":"Alan Smith","startTime":2143.92,"endTime":2147.7,"body":"be more efficient. But the other"},{"speaker":"Alan Smith","startTime":2143.92,"endTime":2147.7,"body":"stuff, it is kind of largely"},{"speaker":"Alan Smith","startTime":2147.7,"endTime":2150.46,"body":"commoditized. We should have"},{"speaker":"Alan Smith","startTime":2147.7,"endTime":2150.46,"body":"another chat sometime in the"},{"speaker":"Alan Smith","startTime":2150.46,"endTime":2153.1,"body":"future about platforms, because"},{"speaker":"Alan Smith","startTime":2150.46,"endTime":2153.1,"body":"that's quite an evolving space,"},{"speaker":"Alan Smith","startTime":2153.1,"endTime":2154.9,"body":"isn't it. And we've gone"},{"speaker":"Alan Smith","startTime":2153.1,"endTime":2154.9,"body":"through, and we're going"},{"speaker":"Alan Smith","startTime":2154.9,"endTime":2159.42,"body":"through, you know, a few issues"},{"speaker":"Alan Smith","startTime":2154.9,"endTime":2159.42,"body":"uh, on platforms. But you guys"},{"speaker":"Alan Smith","startTime":2159.42,"endTime":2162.72,"body":"have been loving transact for"},{"speaker":"Alan Smith","startTime":2159.42,"endTime":2162.72,"body":"years, and does what it says on"},{"speaker":"Alan Smith","startTime":2162.72,"endTime":2164.8199999999997,"body":"the tin, doesn't it just"},{"speaker":"Alan Smith","startTime":2162.72,"endTime":2164.8199999999997,"body":"delivers"},{"speaker":"Nick Lincoln","startTime":2165.24,"endTime":2167.2799999999997,"body":"it gives you a"},{"speaker":"Nick Lincoln","startTime":2165.24,"endTime":2167.2799999999997,"body":"detail,"},{"speaker":"Andy Hart","startTime":2167.2799999999997,"endTime":2170.58,"body":"stay in the obvious."},{"speaker":"Andy Hart","startTime":2167.2799999999997,"endTime":2170.58,"body":"We're all talking about tech,"},{"speaker":"Andy Hart","startTime":2170.58,"endTime":2173.1,"body":"which is out there. It"},{"speaker":"Andy Hart","startTime":2170.58,"endTime":2173.1,"body":"ultimately comes down to the"},{"speaker":"Andy Hart","startTime":2173.1,"endTime":2176.3599999999997,"body":"individual and the company to"},{"speaker":"Andy Hart","startTime":2173.1,"endTime":2176.3599999999997,"body":"use it properly. You know? Just"},{"speaker":"Andy Hart","startTime":2176.3599999999997,"endTime":2178.58,"body":"because I've signed up to"},{"speaker":"Andy Hart","startTime":2176.3599999999997,"endTime":2178.58,"body":"voyant, it doesn't mean I'm"},{"speaker":"Andy Hart","startTime":2178.58,"endTime":2181.1,"body":"producing great financial plans"},{"speaker":"Andy Hart","startTime":2178.58,"endTime":2181.1,"body":"and utilizing the tech"},{"speaker":"Andy Hart","startTime":2181.1,"endTime":2183.3199999999997,"body":"correctly. Just because I've"},{"speaker":"Andy Hart","startTime":2181.1,"endTime":2183.3199999999997,"body":"signed up to search, just"},{"speaker":"Andy Hart","startTime":2183.3199999999997,"endTime":2186.08,"body":"because I'm using you know you"},{"speaker":"Andy Hart","startTime":2183.3199999999997,"endTime":2186.08,"body":"gotta, you gotta learn your tech"},{"speaker":"Andy Hart","startTime":2186.08,"endTime":2188.24,"body":"people. People have an iPhone,"},{"speaker":"Andy Hart","startTime":2186.08,"endTime":2188.24,"body":"they don't even know how to"},{"speaker":"Andy Hart","startTime":2188.24,"endTime":2191.2999999999997,"body":"freaking send an audio note or"},{"speaker":"Andy Hart","startTime":2188.24,"endTime":2191.2999999999997,"body":"send a picture or do anything"},{"speaker":"Andy Hart","startTime":2191.2999999999997,"endTime":2194.96,"body":"useful on it. So whatever tech"},{"speaker":"Andy Hart","startTime":2191.2999999999997,"endTime":2194.96,"body":"you decide to use, just get"},{"speaker":"Andy Hart","startTime":2194.96,"endTime":2197.92,"body":"really good at using it. You'll"},{"speaker":"Andy Hart","startTime":2194.96,"endTime":2197.92,"body":"be ahead of the pack just being"},{"speaker":"Andy Hart","startTime":2197.92,"endTime":2201.3399999999997,"body":"able to use your tech really"},{"speaker":"Andy Hart","startTime":2197.92,"endTime":2201.3399999999997,"body":"well. Some people have all the"},{"speaker":"Andy Hart","startTime":2201.3399999999997,"endTime":2204.7599999999998,"body":"latest tech. They can't use it"},{"speaker":"Andy Hart","startTime":2201.3399999999997,"endTime":2204.7599999999998,"body":"for fucking love nor money. It's"},{"speaker":"Andy Hart","startTime":2205.0,"endTime":2206.14,"body":"completely pointless."},{"speaker":"Alan Smith","startTime":2207.7,"endTime":2210.3399999999997,"body":"No, that's that. The"},{"speaker":"Alan Smith","startTime":2207.7,"endTime":2210.3399999999997,"body":"amount of people I've met before"},{"speaker":"Alan Smith","startTime":2210.3399999999997,"endTime":2213.7599999999998,"body":"who've said, you know, name your"},{"speaker":"Alan Smith","startTime":2210.3399999999997,"endTime":2213.7599999999998,"body":"software provider or x is"},{"speaker":"Alan Smith","startTime":2213.8199999999997,"endTime":2217.08,"body":"absolutely shit said, you know,"},{"speaker":"Alan Smith","startTime":2213.8199999999997,"endTime":2217.08,"body":"do you know how to use it. You"},{"speaker":"Alan Smith","startTime":2217.08,"endTime":2220.62,"body":"know how much time you spent"},{"speaker":"Alan Smith","startTime":2217.08,"endTime":2220.62,"body":"learning? Yeah, not much. And so"},{"speaker":"Alan Smith","startTime":2220.62,"endTime":2224.1,"body":"people are very quick to blame"},{"speaker":"Alan Smith","startTime":2220.62,"endTime":2224.1,"body":"the technologies too expensive."},{"speaker":"Alan Smith","startTime":2224.1,"endTime":2227.1,"body":"And what they do is then they"},{"speaker":"Alan Smith","startTime":2224.1,"endTime":2227.1,"body":"dump it, dump it, and then they"},{"speaker":"Alan Smith","startTime":2227.1,"endTime":2230.04,"body":"go and get a new one. Because,"},{"speaker":"Alan Smith","startTime":2227.1,"endTime":2230.04,"body":"as I've always said, I have been"},{"speaker":"Alan Smith","startTime":2230.04,"endTime":2233.46,"body":"to countless tech presentations"},{"speaker":"Alan Smith","startTime":2230.04,"endTime":2233.46,"body":"about all the amazing things it"},{"speaker":"Alan Smith","startTime":2233.46,"endTime":2239.0,"body":"can do, and rarely has ever"},{"speaker":"Alan Smith","startTime":2233.46,"endTime":2239.0,"body":"delivered on what I just saw as"},{"speaker":"Alan Smith","startTime":2239.0,"endTime":2241.8199999999997,"body":"a presentation, and it because"},{"speaker":"Alan Smith","startTime":2239.0,"endTime":2241.8199999999997,"body":"they say, Ah, yes, that's that's"},{"speaker":"Alan Smith","startTime":2241.8199999999997,"endTime":2244.64,"body":"coming, that's on the road map,"},{"speaker":"Alan Smith","startTime":2241.8199999999997,"endTime":2244.64,"body":"that'll be q1 next year, and"},{"speaker":"Alan Smith","startTime":2244.64,"endTime":2247.7599999999998,"body":"blah, blah. And then, yeah, it"},{"speaker":"Alan Smith","startTime":2244.64,"endTime":2247.7599999999998,"body":"kind of never is. So it's very"},{"speaker":"Alan Smith","startTime":2247.7599999999998,"endTime":2251.54,"body":"tempting to look at your"},{"speaker":"Alan Smith","startTime":2247.7599999999998,"endTime":2251.54,"body":"incumbent, your existing tech"},{"speaker":"Alan Smith","startTime":2251.54,"endTime":2253.88,"body":"stack, and say it's rubbish"},{"speaker":"Alan Smith","startTime":2251.54,"endTime":2253.88,"body":"because I haven't learned how to"},{"speaker":"Alan Smith","startTime":2253.88,"endTime":2256.2999999999997,"body":"use it, and then go to a"},{"speaker":"Alan Smith","startTime":2253.88,"endTime":2256.2999999999997,"body":"presentation of someone else"},{"speaker":"Alan Smith","startTime":2256.2999999999997,"endTime":2258.46,"body":"who's saying our new shiny thing"},{"speaker":"Alan Smith","startTime":2256.2999999999997,"endTime":2258.46,"body":"is even better?"},{"speaker":"Andy Hart","startTime":2258.64,"endTime":2261.88,"body":"Yeah, advisors are"},{"speaker":"Andy Hart","startTime":2258.64,"endTime":2261.88,"body":"lazy. They're constantly looking"},{"speaker":"Andy Hart","startTime":2261.88,"endTime":2263.3199999999997,"body":"for shortcuts. But"},{"speaker":"Nick Lincoln","startTime":2263.3199999999997,"endTime":2266.5,"body":"unfortunately,"},{"speaker":"Nick Lincoln","startTime":2263.3199999999997,"endTime":2266.5,"body":"let's move on down the slate and"},{"speaker":"Nick Lincoln","startTime":2266.5,"endTime":2268.7799999999997,"body":"sort of segue in naturally,"},{"speaker":"Nick Lincoln","startTime":2266.5,"endTime":2268.7799999999997,"body":"because when you come to sell"},{"speaker":"Nick Lincoln","startTime":2268.7799999999997,"endTime":2272.7999999999997,"body":"your business, you need to have"},{"speaker":"Nick Lincoln","startTime":2268.7799999999997,"endTime":2272.7999999999997,"body":"data that is clean and valid and"},{"speaker":"Nick Lincoln","startTime":2272.7999999999997,"endTime":2274.7799999999997,"body":"easy for the purchaser to go"},{"speaker":"Nick Lincoln","startTime":2272.7999999999997,"endTime":2274.7799999999997,"body":"through with as you as you"},{"speaker":"Nick Lincoln","startTime":2274.7799999999997,"endTime":2277.62,"body":"negotiate your exit price. One"},{"speaker":"Nick Lincoln","startTime":2274.7799999999997,"endTime":2277.62,"body":"of the people who's very good at"},{"speaker":"Nick Lincoln","startTime":2277.62,"endTime":2280.02,"body":"that is a close personal friend"},{"speaker":"Nick Lincoln","startTime":2277.62,"endTime":2280.02,"body":"of the of the show, of course,"},{"speaker":"Nick Lincoln","startTime":2280.02,"endTime":2282.48,"body":"Rob Stephenson, I understand"},{"speaker":"Nick Lincoln","startTime":2280.02,"endTime":2282.48,"body":"Smith. He's got a new book."},{"speaker":"Alan Smith","startTime":2283.3199999999997,"endTime":2287.2799999999997,"body":"He has, Rob has is,"},{"speaker":"Alan Smith","startTime":2283.3199999999997,"endTime":2287.2799999999997,"body":"it's only been 10 years in the"},{"speaker":"Alan Smith","startTime":2287.2799999999997,"endTime":2289.74,"body":"making, because I remember"},{"speaker":"Alan Smith","startTime":2287.2799999999997,"endTime":2289.74,"body":"speaking to him a decade ago,"},{"speaker":"Alan Smith","startTime":2289.74,"endTime":2293.8199999999997,"body":"and he actually says this in the"},{"speaker":"Alan Smith","startTime":2289.74,"endTime":2293.8199999999997,"body":"book. He started, everyone talks"},{"speaker":"Alan Smith","startTime":2293.8199999999997,"endTime":2296.48,"body":"about writing a book. So he"},{"speaker":"Alan Smith","startTime":2293.8199999999997,"endTime":2296.48,"body":"started writing. He sat down, he"},{"speaker":"Alan Smith","startTime":2296.48,"endTime":2299.12,"body":"said, he explains it sort of"},{"speaker":"Alan Smith","startTime":2296.48,"endTime":2299.12,"body":"very eloquently. The opening of"},{"speaker":"Alan Smith","startTime":2299.12,"endTime":2301.46,"body":"the book, he was on holiday in"},{"speaker":"Alan Smith","startTime":2299.12,"endTime":2301.46,"body":"Spain or somewhere, SATs down"},{"speaker":"Alan Smith","startTime":2301.46,"endTime":2304.16,"body":"and writes the sort of first few"},{"speaker":"Alan Smith","startTime":2301.46,"endTime":2304.16,"body":"lines and said, Oh, this book"},{"speaker":"Alan Smith","startTime":2304.16,"endTime":2307.88,"body":"will be finished in no time at"},{"speaker":"Alan Smith","startTime":2304.16,"endTime":2307.88,"body":"all. 10 years later, he has"},{"speaker":"Alan Smith","startTime":2307.88,"endTime":2313.16,"body":"finished it. So Rob just created"},{"speaker":"Alan Smith","startTime":2307.88,"endTime":2313.16,"body":"or published a book. It's called"},{"speaker":"Alan Smith","startTime":2313.16,"endTime":2318.2799999999997,"body":"the exit playbook. There is, I"},{"speaker":"Alan Smith","startTime":2313.16,"endTime":2318.2799999999997,"body":"think be fair to say that every"},{"speaker":"Alan Smith","startTime":2318.3399999999997,"endTime":2321.58,"body":"business owner exits their"},{"speaker":"Alan Smith","startTime":2318.3399999999997,"endTime":2321.58,"body":"business at some point, one way"},{"speaker":"Alan Smith","startTime":2321.58,"endTime":2323.7999999999997,"body":"or another, whether they sell"},{"speaker":"Alan Smith","startTime":2321.58,"endTime":2323.7999999999997,"body":"it, whether they retire, whether"},{"speaker":"Alan Smith","startTime":2323.7999999999997,"endTime":2327.94,"body":"they give it away, you will exit"},{"speaker":"Alan Smith","startTime":2323.7999999999997,"endTime":2327.94,"body":"your business. Rob, to my mind,"},{"speaker":"Alan Smith","startTime":2328.06,"endTime":2332.14,"body":"is the number one go to expert"},{"speaker":"Alan Smith","startTime":2328.06,"endTime":2332.14,"body":"as it relates to financial"},{"speaker":"Alan Smith","startTime":2332.14,"endTime":2335.44,"body":"services, financial planning."},{"speaker":"Alan Smith","startTime":2332.14,"endTime":2335.44,"body":"And he talks much more about"},{"speaker":"Alan Smith","startTime":2335.44,"endTime":2337.48,"body":"just, you know, growth and"},{"speaker":"Alan Smith","startTime":2335.44,"endTime":2337.48,"body":"succession. You don't have to"},{"speaker":"Alan Smith","startTime":2337.48,"endTime":2341.22,"body":"this is not necessarily about a"},{"speaker":"Alan Smith","startTime":2337.48,"endTime":2341.22,"body":"big, massive exit and sell, but"},{"speaker":"Alan Smith","startTime":2341.94,"endTime":2344.64,"body":"every every business should"},{"speaker":"Alan Smith","startTime":2341.94,"endTime":2344.64,"body":"focus on growth, and every"},{"speaker":"Alan Smith","startTime":2344.64,"endTime":2347.52,"body":"business needs to have some sort"},{"speaker":"Alan Smith","startTime":2344.64,"endTime":2347.52,"body":"of succession plan at least"},{"speaker":"Alan Smith","startTime":2347.52,"endTime":2350.4,"body":"outlined. So Rob has put all his"},{"speaker":"Alan Smith","startTime":2347.52,"endTime":2350.4,"body":"best ideas of his entire career"},{"speaker":"Alan Smith","startTime":2350.4,"endTime":2352.98,"body":"into a books called the exit"},{"speaker":"Alan Smith","startTime":2350.4,"endTime":2352.98,"body":"playbook. It's quite"},{"speaker":"Alan Smith","startTime":2352.98,"endTime":2356.52,"body":"interesting. You'll like this"},{"speaker":"Alan Smith","startTime":2352.98,"endTime":2356.52,"body":"Carl because it's he published."},{"speaker":"Alan Smith","startTime":2356.52,"endTime":2361.1,"body":"It is that it's an e book, and"},{"speaker":"Alan Smith","startTime":2356.52,"endTime":2361.1,"body":"he's published it online, and"},{"speaker":"Alan Smith","startTime":2361.1,"endTime":2365.12,"body":"it's 100 pounds to buy. And I"},{"speaker":"Alan Smith","startTime":2361.1,"endTime":2365.12,"body":"thought, and you can get a you"},{"speaker":"Alan Smith","startTime":2365.12,"endTime":2367.88,"body":"could get a discount. And I"},{"speaker":"Alan Smith","startTime":2365.12,"endTime":2367.88,"body":"thought, he's my mate, yeah, I"},{"speaker":"Alan Smith","startTime":2367.88,"endTime":2370.46,"body":"could probably get the discount"},{"speaker":"Alan Smith","startTime":2367.88,"endTime":2370.46,"body":"code or something. But I"},{"speaker":"Alan Smith","startTime":2370.46,"endTime":2374.24,"body":"thought, no, a workman is worthy"},{"speaker":"Alan Smith","startTime":2370.46,"endTime":2374.24,"body":"of his hire. He should be paid,"},{"speaker":"Alan Smith","startTime":2374.24,"endTime":2377.14,"body":"you know, despite the fact he's"},{"speaker":"Alan Smith","startTime":2374.24,"endTime":2377.14,"body":"a close personal friend of mine"},{"speaker":"Alan Smith","startTime":2377.14,"endTime":2379.9,"body":"and the show, you should pay"},{"speaker":"Alan Smith","startTime":2377.14,"endTime":2379.9,"body":"full ticket, full price for"},{"speaker":"Alan Smith","startTime":2379.9,"endTime":2383.3199999999997,"body":"everything, and buy it and"},{"speaker":"Alan Smith","startTime":2379.9,"endTime":2383.3199999999997,"body":"support people as well. Anyway,"},{"speaker":"Alan Smith","startTime":2383.38,"endTime":2386.68,"body":"I bought it because it reminded"},{"speaker":"Alan Smith","startTime":2383.38,"endTime":2386.68,"body":"me Carl, when Andy published his"},{"speaker":"Alan Smith","startTime":2386.68,"endTime":2386.98,"body":"book."},{"speaker":"Andy Hart","startTime":2391.2999999999997,"endTime":2395.98,"body":"I have bought Rob's"},{"speaker":"Andy Hart","startTime":2391.2999999999997,"endTime":2395.98,"body":"book. I bought it with the with"},{"speaker":"Andy Hart","startTime":2395.98,"endTime":2399.24,"body":"the 20 quid discounts I paid 80"},{"speaker":"Andy Hart","startTime":2395.98,"endTime":2399.24,"body":"quid yet support other advisors"},{"speaker":"Andy Hart","startTime":2399.24,"endTime":2402.9,"body":"when they're launching new"},{"speaker":"Andy Hart","startTime":2399.24,"endTime":2402.9,"body":"content ideas. It's 100 paid"},{"speaker":"Andy Hart","startTime":2402.9,"endTime":2405.7799999999997,"body":"PDF. I'm sure it'd be great. I"},{"speaker":"Andy Hart","startTime":2402.9,"endTime":2405.7799999999997,"body":"haven't read it yet. It's not"},{"speaker":"Andy Hart","startTime":2405.7799999999997,"endTime":2409.2599999999998,"body":"hugely something that I'm going"},{"speaker":"Andy Hart","startTime":2405.7799999999997,"endTime":2409.2599999999998,"body":"to be doing imminently, let's"},{"speaker":"Andy Hart","startTime":2409.2599999999998,"endTime":2411.06,"body":"say, but I'm obviously"},{"speaker":"Andy Hart","startTime":2409.2599999999998,"endTime":2411.06,"body":"interested in"},{"speaker":"Carl Widger","startTime":2411.48,"endTime":2412.74,"body":"it. Back you,"},{"speaker":"Carl Widger","startTime":2411.48,"endTime":2412.74,"body":"though. Andy,"},{"speaker":"Alan Smith","startTime":2414.54,"endTime":2416.16,"body":"yeah, let's talk"},{"speaker":"Alan Smith","startTime":2414.54,"endTime":2416.16,"body":"about your book."},{"speaker":"Carl Widger","startTime":2416.52,"endTime":2419.9,"body":"Your but your first"},{"speaker":"Carl Widger","startTime":2416.52,"endTime":2419.9,"body":"book was, well, it was, it was,"},{"speaker":"Carl Widger","startTime":2420.08,"endTime":2422.12,"body":"it was, yeah, it was a good"},{"speaker":"Carl Widger","startTime":2420.08,"endTime":2422.12,"body":"effort."},{"speaker":"Andy Hart","startTime":2422.18,"endTime":2424.88,"body":"In fairness, here, I"},{"speaker":"Andy Hart","startTime":2422.18,"endTime":2424.88,"body":"know how long it takes."},{"speaker":"Carl Widger","startTime":2425.96,"endTime":2427.8199999999997,"body":"Did you? Did you"},{"speaker":"Carl Widger","startTime":2425.96,"endTime":2427.8199999999997,"body":"say you're gonna write another"},{"speaker":"Carl Widger","startTime":2427.8199999999997,"endTime":2428.6,"body":"book? Yeah. So the first"},{"speaker":"Andy Hart","startTime":2428.6,"endTime":2430.3399999999997,"body":"book I wrote was"},{"speaker":"Andy Hart","startTime":2428.6,"endTime":2430.3399999999997,"body":"called The Five Minute money"},{"speaker":"Andy Hart","startTime":2430.3399999999997,"endTime":2433.8199999999997,"body":"message. It was more like a"},{"speaker":"Andy Hart","startTime":2430.3399999999997,"endTime":2433.8199999999997,"body":"notebook. Was my new book, which"},{"speaker":"Andy Hart","startTime":2436.04,"endTime":2441.2799999999997,"body":"is there was a week missing in"},{"speaker":"Andy Hart","startTime":2436.04,"endTime":2441.2799999999997,"body":"August. Yeah,"},{"speaker":"Carl Widger","startTime":2443.98,"endTime":2445.0,"body":"have August."},{"speaker":"Alan Smith","startTime":2447.88,"endTime":2450.64,"body":"To be fair, he"},{"speaker":"Alan Smith","startTime":2447.88,"endTime":2450.64,"body":"shipped it. You mean, you bought"},{"speaker":"Alan Smith","startTime":2450.64,"endTime":2452.2,"body":"it because we support"},{"speaker":"Carl Widger","startTime":2452.2,"endTime":2455.44,"body":"I was the first one"},{"speaker":"Carl Widger","startTime":2452.2,"endTime":2455.44,"body":"to buy it. I was the first, and"},{"speaker":"Alan Smith","startTime":2455.74,"endTime":2457.5,"body":"I clicked through"},{"speaker":"Alan Smith","startTime":2455.74,"endTime":2457.5,"body":"and I flicked through and I did"},{"speaker":"Alan Smith","startTime":2457.5,"endTime":2460.02,"body":"not buy it came apart on my"},{"speaker":"Alan Smith","startTime":2457.5,"endTime":2460.02,"body":"hands. You were"},{"speaker":"Andy Hart","startTime":2460.019,"endTime":2462.299,"body":"trying to get part of"},{"speaker":"Andy Hart","startTime":2460.019,"endTime":2462.299,"body":"the cut part again. Carl, so"},{"speaker":"Andy Hart","startTime":2462.299,"endTime":2466.5589999999997,"body":"you're on the front foot. Now,"},{"speaker":"Andy Hart","startTime":2462.299,"endTime":2466.5589999999997,"body":"that's the problem."},{"speaker":"Alan Smith","startTime":2467.459,"endTime":2469.739,"body":"But anyway. But"},{"speaker":"Alan Smith","startTime":2467.459,"endTime":2469.739,"body":"anyway, anyway, right. Come on,"},{"speaker":"Alan Smith","startTime":2469.739,"endTime":2473.459,"body":"stick to it exactly. So Rob has"},{"speaker":"Alan Smith","startTime":2469.739,"endTime":2473.459,"body":"written this book. I have read"},{"speaker":"Alan Smith","startTime":2473.459,"endTime":2476.479,"body":"it. I read it in pretty much one"},{"speaker":"Alan Smith","startTime":2473.459,"endTime":2476.479,"body":"sitting, because. I like all"},{"speaker":"Alan Smith","startTime":2476.479,"endTime":2479.0589999999997,"body":"that stuff. I need to understand"},{"speaker":"Alan Smith","startTime":2476.479,"endTime":2479.0589999999997,"body":"how the whole game works. And"},{"speaker":"Alan Smith","startTime":2479.0589999999997,"endTime":2482.479,"body":"it's brilliant. And anyone who's"},{"speaker":"Alan Smith","startTime":2479.0589999999997,"endTime":2482.479,"body":"got ownership or plans to run a"},{"speaker":"Alan Smith","startTime":2482.479,"endTime":2485.5389999999998,"body":"business, you should absolutely"},{"speaker":"Alan Smith","startTime":2482.479,"endTime":2485.5389999999998,"body":"buy it. And not only that, it's"},{"speaker":"Alan Smith","startTime":2485.659,"endTime":2488.479,"body":"it. It points you to his"},{"speaker":"Alan Smith","startTime":2485.659,"endTime":2488.479,"body":"website, where there are"},{"speaker":"Alan Smith","startTime":2488.5389999999998,"endTime":2492.379,"body":"countless tools, templates,"},{"speaker":"Alan Smith","startTime":2488.5389999999998,"endTime":2492.379,"body":"downloads, things that you can"},{"speaker":"Alan Smith","startTime":2492.5589999999997,"endTime":2496.159,"body":"use. Rob's effectively doing"},{"speaker":"Alan Smith","startTime":2492.5589999999997,"endTime":2496.159,"body":"proper, full fat, comprehensive"},{"speaker":"Alan Smith","startTime":2496.159,"endTime":2499.419,"body":"financial planning to financial"},{"speaker":"Alan Smith","startTime":2496.159,"endTime":2499.419,"body":"planners, you know, begin with"},{"speaker":"Alan Smith","startTime":2499.419,"endTime":2502.0589999999997,"body":"the end in mind. And this is a"},{"speaker":"Alan Smith","startTime":2499.419,"endTime":2502.0589999999997,"body":"strategy. This is how you do it."},{"speaker":"Alan Smith","startTime":2502.0589999999997,"endTime":2502.419,"body":"So,"},{"speaker":"Carl Widger","startTime":2503.68,"endTime":2506.08,"body":"overall, good guy,"},{"speaker":"Carl Widger","startTime":2503.68,"endTime":2506.08,"body":"too. So, yeah, good, good"},{"speaker":"Alan Smith","startTime":2506.08,"endTime":2508.12,"body":"guy. And great"},{"speaker":"Alan Smith","startTime":2506.08,"endTime":2508.12,"body":"content, and a great"},{"speaker":"Nick Lincoln","startTime":2508.12,"endTime":2510.8199999999997,"body":"book. That's it."},{"speaker":"Nick Lincoln","startTime":2508.12,"endTime":2510.8199999999997,"body":"He's okay. He's okay. Rob, great"},{"speaker":"Nick Lincoln","startTime":2510.8199999999997,"endTime":2513.52,"body":"stuff. Okay, there's no link to"},{"speaker":"Nick Lincoln","startTime":2510.8199999999997,"endTime":2513.52,"body":"that, by the way. Smithy in the"},{"speaker":"Nick Lincoln","startTime":2513.52,"endTime":2515.38,"body":"show notes, yeah, have you got"},{"speaker":"Nick Lincoln","startTime":2513.52,"endTime":2515.38,"body":"one to put in?"},{"speaker":"Alan Smith","startTime":2515.74,"endTime":2516.8399999999997,"body":"Yeah, I'll put I'll"},{"speaker":"Alan Smith","startTime":2515.74,"endTime":2516.8399999999997,"body":"pop it in."},{"speaker":"Nick Lincoln","startTime":2518.22,"endTime":2520.68,"body":"Okay, thanks."},{"speaker":"Nick Lincoln","startTime":2518.22,"endTime":2520.68,"body":"Okay. Next thing, can't even"},{"speaker":"Andy Hart","startTime":2523.5,"endTime":2524.88,"body":"copy and paste that"},{"speaker":"Andy Hart","startTime":2523.5,"endTime":2524.88,"body":"guy,"},{"speaker":"Carl Widger","startTime":2528.2999999999997,"endTime":2531.0,"body":"our tech guru,"},{"speaker":"Carl Widger","startTime":2528.2999999999997,"endTime":2531.0,"body":"sorry, Nick Go ahead. Stop"},{"speaker":"Alan Smith","startTime":2534.7799999999997,"endTime":2536.16,"body":"interrupting"},{"speaker":"Alan Smith","startTime":2534.7799999999997,"endTime":2536.16,"body":"Nicholas balcony"},{"speaker":"Nick Lincoln","startTime":2536.22,"endTime":2537.96,"body":"out there. It's"},{"speaker":"Nick Lincoln","startTime":2536.22,"endTime":2537.96,"body":"about an 80 foot drop into the"},{"speaker":"Nick Lincoln","startTime":2537.96,"endTime":2540.56,"body":"scene. I'm just constantly and"},{"speaker":"Nick Lincoln","startTime":2537.96,"endTime":2540.56,"body":"I'm just contemplating running"},{"speaker":"Nick Lincoln","startTime":2540.56,"endTime":2543.44,"body":"over and screaming, hallelujah,"},{"speaker":"Nick Lincoln","startTime":2540.56,"endTime":2543.44,"body":"right? A close personal friend"},{"speaker":"Nick Lincoln","startTime":2543.44,"endTime":2546.92,"body":"of the show, Phil Bray, has come"},{"speaker":"Nick Lincoln","startTime":2543.44,"endTime":2546.92,"body":"up with their new concepts."},{"speaker":"Nick Lincoln","startTime":2546.92,"endTime":2548.66,"body":"Well, I think it's new. There"},{"speaker":"Nick Lincoln","startTime":2546.92,"endTime":2548.66,"body":"may be something I thought"},{"speaker":"Nick Lincoln","startTime":2548.66,"endTime":2552.14,"body":"already, but I don't know, and I"},{"speaker":"Nick Lincoln","startTime":2548.66,"endTime":2552.14,"body":"just thought I'd mention it so"},{"speaker":"Nick Lincoln","startTime":2552.14,"endTime":2556.7799999999997,"body":"we all know. Most of us charge"},{"speaker":"Nick Lincoln","startTime":2552.14,"endTime":2556.7799999999997,"body":"on a per diem basis, percentage"},{"speaker":"Nick Lincoln","startTime":2556.7799999999997,"endTime":2559.6,"body":"of assets under management. And"},{"speaker":"Nick Lincoln","startTime":2556.7799999999997,"endTime":2559.6,"body":"perhaps sometimes we come up"},{"speaker":"Nick Lincoln","startTime":2559.6,"endTime":2563.02,"body":"against clients where there just"},{"speaker":"Nick Lincoln","startTime":2559.6,"endTime":2563.02,"body":"isn't significant, investable"},{"speaker":"Nick Lincoln","startTime":2563.02,"endTime":2565.8399999999997,"body":"assets to to levy a fee that"},{"speaker":"Nick Lincoln","startTime":2563.02,"endTime":2565.8399999999997,"body":"commensurate for your time and"},{"speaker":"Nick Lincoln","startTime":2565.8399999999997,"endTime":2569.68,"body":"the value that you add, and so"},{"speaker":"Nick Lincoln","startTime":2565.8399999999997,"endTime":2569.68,"body":"you politely disengage from the"},{"speaker":"Nick Lincoln","startTime":2569.68,"endTime":2573.94,"body":"referrals. And that's that's not"},{"speaker":"Nick Lincoln","startTime":2569.68,"endTime":2573.94,"body":"ideal, because maybe, you know,"},{"speaker":"Nick Lincoln","startTime":2573.94,"endTime":2576.4,"body":"we are outgoing people. We want"},{"speaker":"Nick Lincoln","startTime":2573.94,"endTime":2576.4,"body":"to help people even, even if"},{"speaker":"Nick Lincoln","startTime":2576.4,"endTime":2578.3199999999997,"body":"they're not right for our"},{"speaker":"Nick Lincoln","startTime":2576.4,"endTime":2578.3199999999997,"body":"business models, we still, we"},{"speaker":"Nick Lincoln","startTime":2578.3199999999997,"endTime":2580.56,"body":"would like people to would like"},{"speaker":"Nick Lincoln","startTime":2578.3199999999997,"endTime":2580.56,"body":"people to find homes. So Phil"},{"speaker":"Nick Lincoln","startTime":2580.56,"endTime":2584.22,"body":"Bray has set up this directory"},{"speaker":"Nick Lincoln","startTime":2580.56,"endTime":2584.22,"body":"of people that work for clients"},{"speaker":"Nick Lincoln","startTime":2584.22,"endTime":2586.7999999999997,"body":"with smaller assets under"},{"speaker":"Nick Lincoln","startTime":2584.22,"endTime":2586.7999999999997,"body":"management. So these may be IFA"},{"speaker":"Nick Lincoln","startTime":2586.7999999999997,"endTime":2590.4,"body":"firms that have a fixed retainer"},{"speaker":"Nick Lincoln","startTime":2586.7999999999997,"endTime":2590.4,"body":"model, who are just more"},{"speaker":"Nick Lincoln","startTime":2590.4,"endTime":2592.92,"body":"comfortable working with lower"},{"speaker":"Nick Lincoln","startTime":2590.4,"endTime":2592.92,"body":"assets under management, who"},{"speaker":"Nick Lincoln","startTime":2592.92,"endTime":2595.3199999999997,"body":"maybe charge more for the"},{"speaker":"Nick Lincoln","startTime":2592.92,"endTime":2595.3199999999997,"body":"financial plan and aren't so"},{"speaker":"Nick Lincoln","startTime":2595.3199999999997,"endTime":2597.44,"body":"bothered about getting the"},{"speaker":"Nick Lincoln","startTime":2595.3199999999997,"endTime":2597.44,"body":"client on board after that. And"},{"speaker":"Nick Lincoln","startTime":2597.44,"endTime":2599.8399999999997,"body":"I just think it's an excellent"},{"speaker":"Nick Lincoln","startTime":2597.44,"endTime":2599.8399999999997,"body":"resource. If you go on there,"},{"speaker":"Nick Lincoln","startTime":2599.8399999999997,"endTime":2602.12,"body":"you can register with this if"},{"speaker":"Nick Lincoln","startTime":2599.8399999999997,"endTime":2602.12,"body":"you're one of those kind of"},{"speaker":"Nick Lincoln","startTime":2602.12,"endTime":2604.58,"body":"advisors, especially if you're"},{"speaker":"Nick Lincoln","startTime":2602.12,"endTime":2604.58,"body":"sort of a lean, mean, hungry"},{"speaker":"Nick Lincoln","startTime":2604.58,"endTime":2607.3399999999997,"body":"startup, and you just want to"},{"speaker":"Nick Lincoln","startTime":2604.58,"endTime":2607.3399999999997,"body":"get in front of clients, and you"},{"speaker":"Nick Lincoln","startTime":2607.3399999999997,"endTime":2609.68,"body":"want to talk about financial"},{"speaker":"Nick Lincoln","startTime":2607.3399999999997,"endTime":2609.68,"body":"planning, and you're going to"},{"speaker":"Nick Lincoln","startTime":2609.68,"endTime":2611.7799999999997,"body":"charge for the plan, as opposed"},{"speaker":"Nick Lincoln","startTime":2609.68,"endTime":2611.7799999999997,"body":"to charging so much on the"},{"speaker":"Nick Lincoln","startTime":2611.7799999999997,"endTime":2614.18,"body":"invested assets, register"},{"speaker":"Nick Lincoln","startTime":2611.7799999999997,"endTime":2614.18,"body":"yourself with Phil Bray. It's a"},{"speaker":"Nick Lincoln","startTime":2614.18,"endTime":2617.8599999999997,"body":"publicly available directory"},{"speaker":"Nick Lincoln","startTime":2614.18,"endTime":2617.8599999999997,"body":"that either the public can find"},{"speaker":"Nick Lincoln","startTime":2617.92,"endTime":2620.56,"body":"and or you as the advisor. If"},{"speaker":"Nick Lincoln","startTime":2617.92,"endTime":2620.56,"body":"you've got a referral that's not"},{"speaker":"Nick Lincoln","startTime":2620.56,"endTime":2622.8399999999997,"body":"the right fit for you, you can"},{"speaker":"Nick Lincoln","startTime":2620.56,"endTime":2622.8399999999997,"body":"just point you can go through"},{"speaker":"Nick Lincoln","startTime":2622.8399999999997,"endTime":2626.14,"body":"this list and find someone in"},{"speaker":"Nick Lincoln","startTime":2622.8399999999997,"endTime":2626.14,"body":"that referrals geographical"},{"speaker":"Nick Lincoln","startTime":2626.14,"endTime":2628.6,"body":"area, or maybe a firm that you"},{"speaker":"Nick Lincoln","startTime":2626.14,"endTime":2628.6,"body":"know and trust, and just say you"},{"speaker":"Nick Lincoln","startTime":2628.6,"endTime":2631.0,"body":"should try these people out"},{"speaker":"Nick Lincoln","startTime":2628.6,"endTime":2631.0,"body":"here. They will work with you."},{"speaker":"Nick Lincoln","startTime":2631.0,"endTime":2633.52,"body":"I'm sorry I can't for various"},{"speaker":"Nick Lincoln","startTime":2631.0,"endTime":2633.52,"body":"reasons, but these people might"},{"speaker":"Nick Lincoln","startTime":2633.52,"endTime":2636.3599999999997,"body":"be right. So this is a growing"},{"speaker":"Nick Lincoln","startTime":2633.52,"endTime":2636.3599999999997,"body":"list as a link to it in the so"},{"speaker":"Nick Lincoln","startTime":2636.3599999999997,"endTime":2640.14,"body":"called show notes. And I think"},{"speaker":"Nick Lincoln","startTime":2636.3599999999997,"endTime":2640.14,"body":"so a really good move by by one"},{"speaker":"Nick Lincoln","startTime":2640.14,"endTime":2643.02,"body":"of the one of the good guys in"},{"speaker":"Nick Lincoln","startTime":2640.14,"endTime":2643.02,"body":"this thing of ours. So well done"},{"speaker":"Nick Lincoln","startTime":2643.02,"endTime":2644.22,"body":"to Phil Bray of the yard stick."},{"speaker":"Carl Widger","startTime":2645.12,"endTime":2645.7799999999997,"body":"Great idea."},{"speaker":"Andy Hart","startTime":2646.56,"endTime":2649.62,"body":"He does do a good"},{"speaker":"Andy Hart","startTime":2646.56,"endTime":2649.62,"body":"weekly newsletter. So go to the"},{"speaker":"Andy Hart","startTime":2649.62,"endTime":2654.2999999999997,"body":"yardstick agency website and"},{"speaker":"Andy Hart","startTime":2649.62,"endTime":2654.2999999999997,"body":"subscribe to Phil's weekly"},{"speaker":"Andy Hart","startTime":2654.2999999999997,"endTime":2657.12,"body":"newsletter. I think it comes out"},{"speaker":"Andy Hart","startTime":2654.2999999999997,"endTime":2657.12,"body":"on Friday. Some good marketing"},{"speaker":"Andy Hart","startTime":2657.12,"endTime":2657.54,"body":"tips on"},{"speaker":"Alan Smith","startTime":2658.14,"endTime":2661.16,"body":"there as well. So I"},{"speaker":"Alan Smith","startTime":2658.14,"endTime":2661.16,"body":"think I I normally give, give"},{"speaker":"Alan Smith","startTime":2661.16,"endTime":2666.92,"body":"them to Andy, the ones that"},{"speaker":"Alan Smith","startTime":2661.16,"endTime":2666.92,"body":"don't fit us, and then he"},{"speaker":"Alan Smith","startTime":2666.92,"endTime":2669.98,"body":"rejects them. Sometimes we get"},{"speaker":"Alan Smith","startTime":2666.92,"endTime":2669.98,"body":"then give them to Nick. I"},{"speaker":"Nick Lincoln","startTime":2670.4,"endTime":2672.74,"body":"still never get"},{"speaker":"Nick Lincoln","startTime":2670.4,"endTime":2672.74,"body":"anything from Andy, so I'm just"},{"speaker":"Nick Lincoln","startTime":2672.74,"endTime":2678.04,"body":"not feeling through to the"},{"speaker":"Nick Lincoln","startTime":2672.74,"endTime":2678.04,"body":"bottom of the pile. That sounds"},{"speaker":"Alan Smith","startTime":2678.1,"endTime":2680.74,"body":"wrong. It is. I"},{"speaker":"Alan Smith","startTime":2678.1,"endTime":2680.74,"body":"think it's a great idea."},{"speaker":"Alan Smith","startTime":2681.04,"endTime":2684.22,"body":"Remember, we spoke about this in"},{"speaker":"Alan Smith","startTime":2681.04,"endTime":2684.22,"body":"the past. There was quite"},{"speaker":"Alan Smith","startTime":2684.22,"endTime":2687.16,"body":"publicly, I think it was a city"},{"speaker":"Alan Smith","startTime":2684.22,"endTime":2687.16,"body":"wide article A little while ago"},{"speaker":"Alan Smith","startTime":2687.16,"endTime":2689.62,"body":"saying that advisors, as a"},{"speaker":"Alan Smith","startTime":2687.16,"endTime":2689.62,"body":"result of, you know, costs going"},{"speaker":"Alan Smith","startTime":2689.62,"endTime":2692.44,"body":"up and everything else, some"},{"speaker":"Alan Smith","startTime":2689.62,"endTime":2692.44,"body":"advisors were clearing out"},{"speaker":"Alan Smith","startTime":2692.44,"endTime":2695.3199999999997,"body":"existing clients. So it's no"},{"speaker":"Alan Smith","startTime":2692.44,"endTime":2695.3199999999997,"body":"longer affordable for us. We"},{"speaker":"Alan Smith","startTime":2695.3199999999997,"endTime":2698.16,"body":"can't service you anymore. And"},{"speaker":"Alan Smith","startTime":2695.3199999999997,"endTime":2698.16,"body":"there's certainly, and that"},{"speaker":"Alan Smith","startTime":2698.16,"endTime":2701.1,"body":"number, in terms of, let's say,"},{"speaker":"Alan Smith","startTime":2698.16,"endTime":2701.1,"body":"assets under management or"},{"speaker":"Alan Smith","startTime":2701.1,"endTime":2704.7,"body":"revenue, is seems to be getting"},{"speaker":"Alan Smith","startTime":2701.1,"endTime":2704.7,"body":"increasingly higher. And the sum"},{"speaker":"Alan Smith","startTime":2704.7,"endTime":2708.24,"body":"at half a million, for example."},{"speaker":"Alan Smith","startTime":2704.7,"endTime":2708.24,"body":"And you know, you think about"},{"speaker":"Alan Smith","startTime":2708.24,"endTime":2710.64,"body":"the number of people in the UK"},{"speaker":"Alan Smith","startTime":2708.24,"endTime":2710.64,"body":"or Ireland who've literally got"},{"speaker":"Alan Smith","startTime":2710.64,"endTime":2715.02,"body":"500,000 pounds of investable"},{"speaker":"Alan Smith","startTime":2710.64,"endTime":2715.02,"body":"yeah, there's, there's plenty of"},{"speaker":"Alan Smith","startTime":2715.02,"endTime":2717.92,"body":"them, but there's not, there's"},{"speaker":"Alan Smith","startTime":2715.02,"endTime":2717.92,"body":"not that many, particularly in"},{"speaker":"Alan Smith","startTime":2717.92,"endTime":2720.62,"body":"the we have, we've had a couple"},{"speaker":"Alan Smith","startTime":2717.92,"endTime":2720.62,"body":"of inquiries recently, and"},{"speaker":"Alan Smith","startTime":2720.62,"endTime":2723.14,"body":"they're classic Henry's, you"},{"speaker":"Alan Smith","startTime":2720.62,"endTime":2723.14,"body":"know, high income, someone"},{"speaker":"Alan Smith","startTime":2723.14,"endTime":2726.02,"body":"earning 300 grand a year or"},{"speaker":"Alan Smith","startTime":2723.14,"endTime":2726.02,"body":"something, but not, not a great"},{"speaker":"Alan Smith","startTime":2726.02,"endTime":2729.98,"body":"deal of investable assets. We've"},{"speaker":"Alan Smith","startTime":2726.02,"endTime":2729.98,"body":"got a minimum fee level. We"},{"speaker":"Alan Smith","startTime":2729.98,"endTime":2733.3399999999997,"body":"don't have a minimum assets, but"},{"speaker":"Alan Smith","startTime":2729.98,"endTime":2733.3399999999997,"body":"we've got a minimum fee. And I"},{"speaker":"Alan Smith","startTime":2733.3399999999997,"endTime":2736.3399999999997,"body":"just honestly, just would not"},{"speaker":"Alan Smith","startTime":2733.3399999999997,"endTime":2736.3399999999997,"body":"be, we couldn't add significant"},{"speaker":"Alan Smith","startTime":2736.3399999999997,"endTime":2738.3399999999997,"body":"value net of the fee that they"},{"speaker":"Alan Smith","startTime":2736.3399999999997,"endTime":2738.3399999999997,"body":"would we would have to be"},{"speaker":"Alan Smith","startTime":2738.3399999999997,"endTime":2742.12,"body":"charging them. So there, I"},{"speaker":"Alan Smith","startTime":2738.3399999999997,"endTime":2742.12,"body":"think, let's say, is the list,"},{"speaker":"Alan Smith","startTime":2742.12,"endTime":2745.12,"body":"Nick, I haven't seen it yet. Is"},{"speaker":"Alan Smith","startTime":2742.12,"endTime":2745.12,"body":"the list like publicly available"},{"speaker":"Alan Smith","startTime":2745.12,"endTime":2748.54,"body":"in as much as you can see the"},{"speaker":"Alan Smith","startTime":2745.12,"endTime":2748.54,"body":"people who have subscribed? Yes,"},{"speaker":"Alan Smith","startTime":2748.54,"endTime":2748.9,"body":"yes."},{"speaker":"Andy Hart","startTime":2750.58,"endTime":2753.04,"body":"Well, in ideal world,"},{"speaker":"Andy Hart","startTime":2750.58,"endTime":2753.04,"body":"you just direct the client to"},{"speaker":"Andy Hart","startTime":2753.1,"endTime":2755.7999999999997,"body":"it, and they would click on it"},{"speaker":"Andy Hart","startTime":2753.1,"endTime":2755.7999999999997,"body":"and say, Scotland, remote,"},{"speaker":"Andy Hart","startTime":2755.8599999999997,"endTime":2757.56,"body":"right? Fee charging,"},{"speaker":"Nick Lincoln","startTime":2759.18,"endTime":2761.58,"body":"and then out in"},{"speaker":"Nick Lincoln","startTime":2759.18,"endTime":2761.58,"body":"time, if it gets traction."},{"speaker":"Nick Lincoln","startTime":2761.58,"endTime":2764.64,"body":"There's about 25 firms on there"},{"speaker":"Nick Lincoln","startTime":2761.58,"endTime":2764.64,"body":"already. If it gets, you know, a"},{"speaker":"Nick Lincoln","startTime":2764.64,"endTime":2766.92,"body":"few more, I'm sure, right? So"},{"speaker":"Nick Lincoln","startTime":2764.64,"endTime":2766.92,"body":"Philly loves this kind of stuff."},{"speaker":"Nick Lincoln","startTime":2766.92,"endTime":2767.22,"body":"He'll do"},{"speaker":"Alan Smith","startTime":2767.7599999999998,"endTime":2770.1,"body":"it. No, I think"},{"speaker":"Alan Smith","startTime":2767.7599999999998,"endTime":2770.1,"body":"what's important to be able to"},{"speaker":"Alan Smith","startTime":2770.1,"endTime":2774.2999999999997,"body":"do is the sort of people that"},{"speaker":"Alan Smith","startTime":2770.1,"endTime":2774.2999999999997,"body":"the I'm just I've got recency"},{"speaker":"Alan Smith","startTime":2774.2999999999997,"endTime":2776.8399999999997,"body":"buyers, because it's happened"},{"speaker":"Alan Smith","startTime":2774.2999999999997,"endTime":2776.8399999999997,"body":"about three times. The last 10"},{"speaker":"Alan Smith","startTime":2776.8399999999997,"endTime":2781.7,"body":"days. What they want is a, they"},{"speaker":"Alan Smith","startTime":2776.8399999999997,"endTime":2781.7,"body":"want a financial plan bill, kind"},{"speaker":"Alan Smith","startTime":2781.7,"endTime":2784.88,"body":"of almost as a one off type"},{"speaker":"Alan Smith","startTime":2781.7,"endTime":2784.88,"body":"thing, which we don't do. So I,"},{"speaker":"Alan Smith","startTime":2784.88,"endTime":2787.58,"body":"in other words, I'd need to, I"},{"speaker":"Alan Smith","startTime":2784.88,"endTime":2787.58,"body":"wouldn't want to just send"},{"speaker":"Alan Smith","startTime":2787.58,"endTime":2790.22,"body":"someone off to this list, and"},{"speaker":"Alan Smith","startTime":2787.58,"endTime":2790.22,"body":"any they go, Oh, we don't do"},{"speaker":"Alan Smith","startTime":2790.22,"endTime":2793.8199999999997,"body":"that. So it'd be interesting to"},{"speaker":"Alan Smith","startTime":2790.22,"endTime":2793.8199999999997,"body":"go the next level of what"},{"speaker":"Alan Smith","startTime":2793.8199999999997,"endTime":2797.2599999999998,"body":"services these other companies"},{"speaker":"Alan Smith","startTime":2793.8199999999997,"endTime":2797.2599999999998,"body":"who are on the list provide? Do"},{"speaker":"Alan Smith","startTime":2797.2599999999998,"endTime":2799.42,"body":"you offer comprehensive"},{"speaker":"Alan Smith","startTime":2797.2599999999998,"endTime":2799.42,"body":"financial planning? Will you"},{"speaker":"Alan Smith","startTime":2799.42,"endTime":2801.8199999999997,"body":"build a cash flow? Can you do a"},{"speaker":"Alan Smith","startTime":2799.42,"endTime":2801.8199999999997,"body":"transaction or a one off thing?"},{"speaker":"Alan Smith","startTime":2801.8199999999997,"endTime":2803.98,"body":"Can you do, you know, to"},{"speaker":"Alan Smith","startTime":2801.8199999999997,"endTime":2803.98,"body":"understand the nuances, because"},{"speaker":"Alan Smith","startTime":2803.98,"endTime":2806.2599999999998,"body":"you don't want to just send"},{"speaker":"Alan Smith","startTime":2803.98,"endTime":2806.2599999999998,"body":"people in a world Goose Chase"},{"speaker":"Alan Smith","startTime":2806.2599999999998,"endTime":2808.6,"body":"and find out that the the other"},{"speaker":"Alan Smith","startTime":2806.2599999999998,"endTime":2808.6,"body":"people don't do what it is"},{"speaker":"Alan Smith","startTime":2808.6,"endTime":2811.24,"body":"they're they're looking for"},{"speaker":"Alan Smith","startTime":2808.6,"endTime":2811.24,"body":"anyway. That's my only feedback"},{"speaker":"Alan Smith","startTime":2811.24,"endTime":2813.94,"body":"on that. But it's a great idea,"},{"speaker":"Alan Smith","startTime":2811.24,"endTime":2813.94,"body":"and it's, it's a good list."},{"speaker":"Nick Lincoln","startTime":2816.2799999999997,"endTime":2819.72,"body":"Good stuff. Good"},{"speaker":"Nick Lincoln","startTime":2816.2799999999997,"endTime":2819.72,"body":"stuff. Uh, Ultra, ah, kelsa"},{"speaker":"Nick Lincoln","startTime":2819.72,"endTime":2824.1,"body":"priest, another massive wealth"},{"speaker":"Nick Lincoln","startTime":2819.72,"endTime":2824.1,"body":"management firm, throws in the"},{"speaker":"Nick Lincoln","startTime":2824.1,"endTime":2824.58,"body":"towel."},{"speaker":"Andy Hart","startTime":2825.479,"endTime":2828.0589999999997,"body":"Yes. So we did speak"},{"speaker":"Andy Hart","startTime":2825.479,"endTime":2828.0589999999997,"body":"about this. We spoke about this"},{"speaker":"Andy Hart","startTime":2828.0589999999997,"endTime":2833.459,"body":"a couple of months ago when"},{"speaker":"Andy Hart","startTime":2828.0589999999997,"endTime":2833.459,"body":"Aberdeen were looking to sell"},{"speaker":"Andy Hart","startTime":2833.459,"endTime":2836.219,"body":"their financial planning on."},{"speaker":"Andy Hart","startTime":2833.459,"endTime":2836.219,"body":"They've now successfully sold"},{"speaker":"Andy Hart","startTime":2836.219,"endTime":2839.0589999999997,"body":"it. They've sold it to ask Scott"},{"speaker":"Andy Hart","startTime":2836.219,"endTime":2839.0589999999997,"body":"Lloyd, who are a large, sort of"},{"speaker":"Andy Hart","startTime":2839.5989999999997,"endTime":2843.379,"body":"consolidator, acquirer."},{"speaker":"Andy Hart","startTime":2839.5989999999997,"endTime":2843.379,"body":"According to the numbers, it"},{"speaker":"Andy Hart","startTime":2843.379,"endTime":2846.1389999999997,"body":"seems like a good deal for Ascot"},{"speaker":"Andy Hart","startTime":2843.379,"endTime":2846.1389999999997,"body":"Lloyd. It doesn't sound much"},{"speaker":"Andy Hart","startTime":2846.1389999999997,"endTime":2850.5789999999997,"body":"they've bought it for, but it's"},{"speaker":"Andy Hart","startTime":2846.1389999999997,"endTime":2850.5789999999997,"body":"going to add 6300 clients and"},{"speaker":"Andy Hart","startTime":2850.5789999999997,"endTime":2855.0789999999997,"body":"3.6 billion of assets under"},{"speaker":"Andy Hart","startTime":2850.5789999999997,"endTime":2855.0789999999997,"body":"management. And a quick run of"},{"speaker":"Andy Hart","startTime":2855.0789999999997,"endTime":2859.5389999999998,"body":"that through a calculator says"},{"speaker":"Andy Hart","startTime":2855.0789999999997,"endTime":2859.5389999999998,"body":"that that's around 571,000 per"},{"speaker":"Andy Hart","startTime":2859.5389999999998,"endTime":2864.219,"body":"average client, which I'm going"},{"speaker":"Andy Hart","startTime":2859.5389999999998,"endTime":2864.219,"body":"to call as not correct on those"},{"speaker":"Andy Hart","startTime":2864.219,"endTime":2868.659,"body":"numbers, but that's what's been"},{"speaker":"Andy Hart","startTime":2864.219,"endTime":2868.659,"body":"published. So yeah, Aberdeen, I"},{"speaker":"Andy Hart","startTime":2868.659,"endTime":2871.299,"body":"think it's a great acquisition"},{"speaker":"Andy Hart","startTime":2868.659,"endTime":2871.299,"body":"for ask Scott Lloyd, Aberdeen"},{"speaker":"Andy Hart","startTime":2871.299,"endTime":2874.239,"body":"have done the heavy lifting?"},{"speaker":"Andy Hart","startTime":2871.299,"endTime":2874.239,"body":"Aberdeen have got the funding."},{"speaker":"Andy Hart","startTime":2874.299,"endTime":2877.379,"body":"They've bought firms. They've"},{"speaker":"Andy Hart","startTime":2874.299,"endTime":2877.379,"body":"done a roll up, they've got it"},{"speaker":"Andy Hart","startTime":2877.379,"endTime":2880.499,"body":"to a place they've then started"},{"speaker":"Andy Hart","startTime":2877.379,"endTime":2880.499,"body":"to lose money. So they've"},{"speaker":"Andy Hart","startTime":2880.499,"endTime":2883.739,"body":"shifted a liability Ascot would"},{"speaker":"Andy Hart","startTime":2880.499,"endTime":2883.739,"body":"have probably picked up for a"},{"speaker":"Andy Hart","startTime":2883.739,"endTime":2887.999,"body":"decent clip, and then hopefully"},{"speaker":"Andy Hart","startTime":2883.739,"endTime":2887.999,"body":"now they're going to fix it,"},{"speaker":"Andy Hart","startTime":2887.999,"endTime":2891.5389999999998,"body":"turn it around, make it"},{"speaker":"Andy Hart","startTime":2887.999,"endTime":2891.5389999999998,"body":"profitable. But yeah, someone"},{"speaker":"Andy Hart","startTime":2891.5389999999998,"endTime":2894.659,"body":"else has gone out and done all"},{"speaker":"Andy Hart","startTime":2891.5389999999998,"endTime":2894.659,"body":"the buying, selling contracts"},{"speaker":"Andy Hart","startTime":2894.719,"endTime":2898.519,"body":"and the mess, and then they've"},{"speaker":"Andy Hart","startTime":2894.719,"endTime":2898.519,"body":"sort of potentially bought a"},{"speaker":"Andy Hart","startTime":2898.819,"endTime":2901.6389999999997,"body":"finished article. But it's never"},{"speaker":"Andy Hart","startTime":2898.819,"endTime":2901.6389999999997,"body":"that easy, is it? There's always"},{"speaker":"Andy Hart","startTime":2901.699,"endTime":2904.819,"body":"a lot of mess underneath the"},{"speaker":"Andy Hart","startTime":2901.699,"endTime":2904.819,"body":"floorboards and lots of other"},{"speaker":"Andy Hart","startTime":2904.819,"endTime":2908.1189999999997,"body":"stuff going on. So that's that"},{"speaker":"Andy Hart","startTime":2904.819,"endTime":2908.1189999999997,"body":"article. And following on the"},{"speaker":"Andy Hart","startTime":2908.1189999999997,"endTime":2910.699,"body":"same publication, professional"},{"speaker":"Andy Hart","startTime":2908.1189999999997,"endTime":2910.699,"body":"advisor have done another"},{"speaker":"Andy Hart","startTime":2910.699,"endTime":2914.479,"body":"article set saying it's"},{"speaker":"Andy Hart","startTime":2910.699,"endTime":2914.479,"body":"entitled, was Aberdeen financial"},{"speaker":"Andy Hart","startTime":2914.479,"endTime":2917.899,"body":"planning arm ever going to work?"},{"speaker":"Andy Hart","startTime":2914.479,"endTime":2917.899,"body":"I mean, lots of larger insurance"},{"speaker":"Andy Hart","startTime":2917.899,"endTime":2920.679,"body":"companies have tried its own."},{"speaker":"Andy Hart","startTime":2917.899,"endTime":2920.679,"body":"Have tried this over the years."},{"speaker":"Andy Hart","startTime":2920.679,"endTime":2925.299,"body":"We've all seen this"},{"speaker":"Andy Hart","startTime":2920.679,"endTime":2925.299,"body":"historically, they don't work,"},{"speaker":"Andy Hart","startTime":2925.299,"endTime":2929.979,"body":"but sometimes, every so often,"},{"speaker":"Andy Hart","startTime":2925.299,"endTime":2929.979,"body":"they can work. So, yeah,"},{"speaker":"Andy Hart","startTime":2930.0389999999998,"endTime":2934.239,"body":"interesting that Ascot Lloyd"},{"speaker":"Andy Hart","startTime":2930.0389999999998,"endTime":2934.239,"body":"bought them. It's been a 10 year"},{"speaker":"Andy Hart","startTime":2934.419,"endTime":2938.699,"body":"waste of time. They originally"},{"speaker":"Andy Hart","startTime":2934.419,"endTime":2938.699,"body":"launched. The company. Name was"},{"speaker":"Andy Hart","startTime":2938.699,"endTime":2941.819,"body":"1825 which was the founding year"},{"speaker":"Andy Hart","startTime":2938.699,"endTime":2941.819,"body":"of standard life. I think you"},{"speaker":"Andy Hart","startTime":2941.819,"endTime":2947.399,"body":"were working there at that time."},{"speaker":"Andy Hart","startTime":2941.819,"endTime":2947.399,"body":"Alan, yeah, that's the full"},{"speaker":"Andy Hart","startTime":2947.399,"endTime":2951.179,"body":"story of the Aberdeen financial"},{"speaker":"Andy Hart","startTime":2947.399,"endTime":2951.179,"body":"planning. On any points,"},{"speaker":"Nick Lincoln","startTime":2952.3199999999997,"endTime":2955.62,"body":"yeah, any shares"},{"speaker":"Nick Lincoln","startTime":2952.3199999999997,"endTime":2955.62,"body":"in Standard Life, slash"},{"speaker":"Nick Lincoln","startTime":2955.62,"endTime":2956.6,"body":"Aberdeen, or whatever they're"},{"speaker":"Alan Smith","startTime":2957.5589999999997,"endTime":2960.739,"body":"called? Yeah, I"},{"speaker":"Alan Smith","startTime":2957.5589999999997,"endTime":2960.739,"body":"don't anymore. It's been a"},{"speaker":"Alan Smith","startTime":2960.739,"endTime":2963.6189999999997,"body":"disaster from start to finish."},{"speaker":"Alan Smith","startTime":2960.739,"endTime":2963.6189999999997,"body":"They've never made a profit."},{"speaker":"Alan Smith","startTime":2963.6189999999997,"endTime":2967.6389999999997,"body":"They've lost money every year."},{"speaker":"Alan Smith","startTime":2963.6189999999997,"endTime":2967.6389999999997,"body":"They've sunk unlimited millions"},{"speaker":"Alan Smith","startTime":2967.999,"endTime":2971.479,"body":"of shareholder money into"},{"speaker":"Alan Smith","startTime":2967.999,"endTime":2971.479,"body":"something which was destined to"},{"speaker":"Alan Smith","startTime":2971.479,"endTime":2976.5989999999997,"body":"fail from the beginning in my in"},{"speaker":"Alan Smith","startTime":2971.479,"endTime":2976.5989999999997,"body":"my opinion, it's Christ I mean,"},{"speaker":"Alan Smith","startTime":2976.5989999999997,"endTime":2981.939,"body":"look, I've been on both sides of"},{"speaker":"Alan Smith","startTime":2976.5989999999997,"endTime":2981.939,"body":"that those type of organizations"},{"speaker":"Alan Smith","startTime":2981.999,"endTime":2986.019,"body":"and the culture and everything"},{"speaker":"Alan Smith","startTime":2981.999,"endTime":2986.019,"body":"about it, if you are as they"},{"speaker":"Alan Smith","startTime":2986.019,"endTime":2991.5389999999998,"body":"are, FTSE listed business, it's"},{"speaker":"Alan Smith","startTime":2986.019,"endTime":2991.5389999999998,"body":"just very, very difficult to get"},{"speaker":"Alan Smith","startTime":2991.5389999999998,"endTime":2994.479,"body":"in the mindset of proper"},{"speaker":"Alan Smith","startTime":2991.5389999999998,"endTime":2994.479,"body":"financial planning. I mean,"},{"speaker":"Alan Smith","startTime":2994.839,"endTime":2997.6189999999997,"body":"there's stories I could tell you"},{"speaker":"Alan Smith","startTime":2994.839,"endTime":2997.6189999999997,"body":"that I wouldn't say publicly, I"},{"speaker":"Alan Smith","startTime":2997.6189999999997,"endTime":3003.5589999999997,"body":"won't, but it was just, yeah,"},{"speaker":"Alan Smith","startTime":2997.6189999999997,"endTime":3003.5589999999997,"body":"Nick, now I'll tell you offline."},{"speaker":"Alan Smith","startTime":3003.5589999999997,"endTime":3006.259,"body":"I think I've told a few. It's"},{"speaker":"Alan Smith","startTime":3003.5589999999997,"endTime":3006.259,"body":"just it was always just destined"},{"speaker":"Alan Smith","startTime":3006.259,"endTime":3009.919,"body":"to be challenged. It's just so"},{"speaker":"Alan Smith","startTime":3006.259,"endTime":3009.919,"body":"difficult culturally, you know"},{"speaker":"Alan Smith","startTime":3009.919,"endTime":3015.679,"body":"financially, the financial"},{"speaker":"Alan Smith","startTime":3009.919,"endTime":3015.679,"body":"planning is such a personal"},{"speaker":"Alan Smith","startTime":3015.739,"endTime":3018.159,"body":"business. It's not like"},{"speaker":"Alan Smith","startTime":3015.739,"endTime":3018.159,"body":"institutional asset management"},{"speaker":"Alan Smith","startTime":3018.159,"endTime":3021.339,"body":"is highly impersonal. It doesn't"},{"speaker":"Alan Smith","startTime":3018.159,"endTime":3021.339,"body":"bloody matter. You can do you"},{"speaker":"Alan Smith","startTime":3021.339,"endTime":3024.5789999999997,"body":"can show me never the bloody"},{"speaker":"Alan Smith","startTime":3021.339,"endTime":3024.5789999999997,"body":"Twain, and they will. And it's"},{"speaker":"Alan Smith","startTime":3024.5789999999997,"endTime":3027.5789999999997,"body":"just and what happens is what"},{"speaker":"Alan Smith","startTime":3024.5789999999997,"endTime":3027.5789999999997,"body":"happened to them every time, as"},{"speaker":"Alan Smith","startTime":3027.5789999999997,"endTime":3030.0989999999997,"body":"you say, Andy, they did a roll"},{"speaker":"Alan Smith","startTime":3027.5789999999997,"endTime":3030.0989999999997,"body":"up and they bought about and"},{"speaker":"Alan Smith","startTime":3030.0989999999997,"endTime":3032.679,"body":"actually they started off in"},{"speaker":"Alan Smith","startTime":3030.0989999999997,"endTime":3032.679,"body":"terms of the firms they were"},{"speaker":"Alan Smith","startTime":3032.679,"endTime":3035.919,"body":"buying, started off pretty well."},{"speaker":"Alan Smith","startTime":3032.679,"endTime":3035.919,"body":"They were paying kind of beneath"},{"speaker":"Alan Smith","startTime":3035.919,"endTime":3040.0789999999997,"body":"market averages, but there was"},{"speaker":"Alan Smith","startTime":3035.919,"endTime":3040.0789999999997,"body":"the some firms wanted to align"},{"speaker":"Alan Smith","startTime":3040.0789999999997,"endTime":3042.5989999999997,"body":"themselves, because they've been"},{"speaker":"Alan Smith","startTime":3040.0789999999997,"endTime":3042.5989999999997,"body":"using as well standard life at"},{"speaker":"Alan Smith","startTime":3042.5989999999997,"endTime":3045.5989999999997,"body":"the time, they had relationships"},{"speaker":"Alan Smith","startTime":3042.5989999999997,"endTime":3045.5989999999997,"body":"with them, so they bought who's"},{"speaker":"Alan Smith","startTime":3045.5989999999997,"endTime":3048.5389999999998,"body":"the bar? I can't remember, but a"},{"speaker":"Alan Smith","startTime":3045.5989999999997,"endTime":3048.5389999999998,"body":"bunch of like, good on average,"},{"speaker":"Alan Smith","startTime":3048.5389999999998,"endTime":3052.679,"body":"good, good firms. But then they"},{"speaker":"Alan Smith","startTime":3048.5389999999998,"endTime":3052.679,"body":"impose their culture into these"},{"speaker":"Alan Smith","startTime":3052.679,"endTime":3056.0389999999998,"body":"good firms, and all the best"},{"speaker":"Alan Smith","startTime":3052.679,"endTime":3056.0389999999998,"body":"people left, because that's what"},{"speaker":"Alan Smith","startTime":3056.0389999999998,"endTime":3058.939,"body":"happens. It's one of the few"},{"speaker":"Alan Smith","startTime":3056.0389999999998,"endTime":3058.939,"body":"industries around the world"},{"speaker":"Alan Smith","startTime":3058.939,"endTime":3062.659,"body":"where the assets can just walk"},{"speaker":"Alan Smith","startTime":3058.939,"endTime":3062.659,"body":"out the door. You know, if"},{"speaker":"Alan Smith","startTime":3062.659,"endTime":3065.299,"body":"you've got a contract, after six"},{"speaker":"Alan Smith","startTime":3062.659,"endTime":3065.299,"body":"months, the assets and the"},{"speaker":"Alan Smith","startTime":3065.299,"endTime":3067.819,"body":"clients walk out the door. So it"},{"speaker":"Alan Smith","startTime":3065.299,"endTime":3067.819,"body":"was always going to be a"},{"speaker":"Alan Smith","startTime":3067.819,"endTime":3071.0589999999997,"body":"challenge, and it's ended where"},{"speaker":"Alan Smith","startTime":3067.819,"endTime":3071.0589999999997,"body":"we all knew would end, back in"},{"speaker":"Alan Smith","startTime":3071.0589999999997,"endTime":3073.759,"body":"the arms of a, you know,"},{"speaker":"Alan Smith","startTime":3071.0589999999997,"endTime":3073.759,"body":"financial advice business in the"},{"speaker":"Alan Smith","startTime":3073.759,"endTime":3076.0389999999998,"body":"form of Ascot Lloyd. So there we"},{"speaker":"Alan Smith","startTime":3073.759,"endTime":3076.0389999999998,"body":"go."},{"speaker":"Nick Lincoln","startTime":3077.98,"endTime":3080.98,"body":"There we go again,"},{"speaker":"Nick Lincoln","startTime":3077.98,"endTime":3080.98,"body":"case or and this story will come"},{"speaker":"Nick Lincoln","startTime":3080.98,"endTime":3083.62,"body":"about again in about five years"},{"speaker":"Nick Lincoln","startTime":3080.98,"endTime":3083.62,"body":"time, but the different brands"},{"speaker":"Nick Lincoln","startTime":3083.62,"endTime":3089.2599999999998,"body":"selling another failed financial"},{"speaker":"Nick Lincoln","startTime":3083.62,"endTime":3089.2599999999998,"body":"planning on, okay, watch creona."},{"speaker":"Nick Lincoln","startTime":3089.3199999999997,"endTime":3093.1,"body":"Yes, it's ongoing and very"},{"speaker":"Nick Lincoln","startTime":3089.3199999999997,"endTime":3093.1,"body":"worthy story, yeah."},{"speaker":"Carl Widger","startTime":3093.16,"endTime":3097.54,"body":"So look, just, I'm"},{"speaker":"Carl Widger","startTime":3093.16,"endTime":3097.54,"body":"going to mention we're doing the"},{"speaker":"Carl Widger","startTime":3098.14,"endTime":3102.9,"body":"5k fun, run again in Limerick,"},{"speaker":"Carl Widger","startTime":3098.14,"endTime":3102.9,"body":"in aid of cleaners foundation."},{"speaker":"Carl Widger","startTime":3102.9,"endTime":3107.88,"body":"So I just said, I Well, if"},{"speaker":"Carl Widger","startTime":3102.9,"endTime":3107.88,"body":"anybody wants to travel from the"},{"speaker":"Carl Widger","startTime":3107.88,"endTime":3109.92,"body":"UK, or any of the Irish"},{"speaker":"Carl Widger","startTime":3107.88,"endTime":3109.92,"body":"listeners, you want to come to"},{"speaker":"Carl Widger","startTime":3109.92,"endTime":3112.56,"body":"Limerick, you can, you can"},{"speaker":"Carl Widger","startTime":3109.92,"endTime":3112.56,"body":"register. But look, that's not"},{"speaker":"Carl Widger","startTime":3112.56,"endTime":3116.6,"body":"what, not why I decided to add"},{"speaker":"Carl Widger","startTime":3112.56,"endTime":3116.6,"body":"it to the docket today. It's"},{"speaker":"Carl Widger","startTime":3116.6,"endTime":3121.64,"body":"just in terms of, here's an idea"},{"speaker":"Carl Widger","startTime":3116.6,"endTime":3121.64,"body":"that we had, and here's how any"},{"speaker":"Carl Widger","startTime":3121.64,"endTime":3125.12,"body":"advisory firm could do this to"},{"speaker":"Carl Widger","startTime":3121.64,"endTime":3125.12,"body":"kind of build your profile. So"},{"speaker":"Carl Widger","startTime":3125.12,"endTime":3128.72,"body":"last year, my colleague Ronan"},{"speaker":"Carl Widger","startTime":3125.12,"endTime":3128.72,"body":"quely, mentioned to me we should"},{"speaker":"Carl Widger","startTime":3128.72,"endTime":3132.62,"body":"do a 5k Fun Run. Because they do"},{"speaker":"Carl Widger","startTime":3128.72,"endTime":3132.62,"body":"lots of them in Dublin. They"},{"speaker":"Carl Widger","startTime":3132.62,"endTime":3135.3199999999997,"body":"have one big one in Galway, one"},{"speaker":"Carl Widger","startTime":3132.62,"endTime":3135.3199999999997,"body":"big one in Cork, and there's"},{"speaker":"Carl Widger","startTime":3135.3199999999997,"endTime":3138.8199999999997,"body":"nothing in Limerick. We should"},{"speaker":"Carl Widger","startTime":3135.3199999999997,"endTime":3138.8199999999997,"body":"do it. So in fairness to Ronan,"},{"speaker":"Carl Widger","startTime":3138.8199999999997,"endTime":3142.9,"body":"he took this, he ran with it,"},{"speaker":"Carl Widger","startTime":3138.8199999999997,"endTime":3142.9,"body":"and last year we did it for"},{"speaker":"Carl Widger","startTime":3142.9,"endTime":3145.6,"body":"cleaners foundation. So we"},{"speaker":"Carl Widger","startTime":3142.9,"endTime":3145.6,"body":"covered all the costs. Cleaners"},{"speaker":"Carl Widger","startTime":3145.6,"endTime":3149.38,"body":"foundation got all of the money"},{"speaker":"Carl Widger","startTime":3145.6,"endTime":3149.38,"body":"that was that was raised, and we"},{"speaker":"Carl Widger","startTime":3149.38,"endTime":3152.98,"body":"got just short of 100 people at"},{"speaker":"Carl Widger","startTime":3149.38,"endTime":3152.98,"body":"it. But one of the runners last"},{"speaker":"Carl Widger","startTime":3152.98,"endTime":3157.38,"body":"year was a guy called Steven too"},{"speaker":"Carl Widger","startTime":3152.98,"endTime":3157.38,"body":"from a solicitor firm called MHP"},{"speaker":"Carl Widger","startTime":3157.38,"endTime":3160.98,"body":"sellers, and I was having a"},{"speaker":"Carl Widger","startTime":3157.38,"endTime":3160.98,"body":"coffee afterwards, Steven, he"},{"speaker":"Carl Widger","startTime":3160.98,"endTime":3163.7999999999997,"body":"said we wouldn't mind getting"},{"speaker":"Carl Widger","startTime":3160.98,"endTime":3163.7999999999997,"body":"involved in that with you and"},{"speaker":"Carl Widger","startTime":3163.7999999999997,"endTime":3167.04,"body":"maybe making this much bigger."},{"speaker":"Carl Widger","startTime":3163.7999999999997,"endTime":3167.04,"body":"So we've kind of come together."},{"speaker":"Carl Widger","startTime":3167.04,"endTime":3170.3399999999997,"body":"So it's the metas Ireland, MHP"},{"speaker":"Carl Widger","startTime":3167.04,"endTime":3170.3399999999997,"body":"sellers, fun, run around"},{"speaker":"Carl Widger","startTime":3170.3399999999997,"endTime":3173.4,"body":"Limerick. We've got a nice bit"},{"speaker":"Carl Widger","startTime":3170.3399999999997,"endTime":3173.4,"body":"of media coverage on it. The"},{"speaker":"Carl Widger","startTime":3173.4,"endTime":3176.42,"body":"Limerick Chamber of Commerce"},{"speaker":"Carl Widger","startTime":3173.4,"endTime":3176.42,"body":"have got behind it. We're hoping"},{"speaker":"Carl Widger","startTime":3176.42,"endTime":3180.08,"body":"to get kind of 200 people at it,"},{"speaker":"Carl Widger","startTime":3176.42,"endTime":3180.08,"body":"create a bit of a buzz. We're"},{"speaker":"Carl Widger","startTime":3180.08,"endTime":3183.14,"body":"selling it as kind of a business"},{"speaker":"Carl Widger","startTime":3180.08,"endTime":3183.14,"body":"to business thing, a networking"},{"speaker":"Carl Widger","startTime":3183.14,"endTime":3186.2599999999998,"body":"thing, a connections thing."},{"speaker":"Carl Widger","startTime":3183.14,"endTime":3186.2599999999998,"body":"We're going to cover all the"},{"speaker":"Carl Widger","startTime":3186.2599999999998,"endTime":3190.16,"body":"costs, and then it's only 25"},{"speaker":"Carl Widger","startTime":3186.2599999999998,"endTime":3190.16,"body":"quid to register, so that all of"},{"speaker":"Carl Widger","startTime":3190.16,"endTime":3193.1,"body":"the money then goes to cleaners."},{"speaker":"Carl Widger","startTime":3190.16,"endTime":3193.1,"body":"But obviously we're raising,"},{"speaker":"Carl Widger","startTime":3195.8599999999997,"endTime":3200.68,"body":"yeah, we're raising awareness"},{"speaker":"Carl Widger","startTime":3195.8599999999997,"endTime":3200.68,"body":"for cleaners as well and but"},{"speaker":"Carl Widger","startTime":3200.68,"endTime":3204.88,"body":"we're going to raise awareness"},{"speaker":"Carl Widger","startTime":3200.68,"endTime":3204.88,"body":"for our own farm, and MHP"},{"speaker":"Carl Widger","startTime":3204.88,"endTime":3208.8399999999997,"body":"sellers will raise awareness for"},{"speaker":"Carl Widger","startTime":3204.88,"endTime":3208.8399999999997,"body":"their farm. This does not cost a"},{"speaker":"Carl Widger","startTime":3208.8399999999997,"endTime":3211.9,"body":"fortune. There's obviously Ronan"},{"speaker":"Carl Widger","startTime":3208.8399999999997,"endTime":3211.9,"body":"will tell you, an awful lot of"},{"speaker":"Carl Widger","startTime":3211.9,"endTime":3215.44,"body":"organizing goes on behind the"},{"speaker":"Carl Widger","startTime":3211.9,"endTime":3215.44,"body":"scenes, but it's beginning to"},{"speaker":"Carl Widger","startTime":3215.44,"endTime":3219.96,"body":"take off. It's beginning to get"},{"speaker":"Carl Widger","startTime":3215.44,"endTime":3219.96,"body":"a good bit of traction. Any firm"},{"speaker":"Carl Widger","startTime":3219.96,"endTime":3223.98,"body":"can do this. And it's, it's your"},{"speaker":"Carl Widger","startTime":3219.96,"endTime":3223.98,"body":"first port of call. Here is, how"},{"speaker":"Carl Widger","startTime":3223.98,"endTime":3227.7,"body":"can I give back? What can we do"},{"speaker":"Carl Widger","startTime":3223.98,"endTime":3227.7,"body":"to help, help a really good"},{"speaker":"Carl Widger","startTime":3227.7,"endTime":3231.3599999999997,"body":"cause? And then you leverage off"},{"speaker":"Carl Widger","startTime":3227.7,"endTime":3231.3599999999997,"body":"that yourself. So look, it's,"},{"speaker":"Carl Widger","startTime":3231.3599999999997,"endTime":3235.7999999999997,"body":"it's good business, but at the"},{"speaker":"Carl Widger","startTime":3231.3599999999997,"endTime":3235.7999999999997,"body":"at the core, the reason why is,"},{"speaker":"Carl Widger","startTime":3236.1,"endTime":3238.04,"body":"is a really, really, really good"},{"speaker":"Carl Widger","startTime":3236.1,"endTime":3238.04,"body":"cause."},{"speaker":"Andy Hart","startTime":3238.58,"endTime":3240.98,"body":"Lovely Ultra. That's"},{"speaker":"Andy Hart","startTime":3238.58,"endTime":3240.98,"body":"that's superb call. I just want"},{"speaker":"Andy Hart","startTime":3240.98,"endTime":3245.48,"body":"to know what time you're going"},{"speaker":"Andy Hart","startTime":3240.98,"endTime":3245.48,"body":"to do your 5k mate, gonna do a"},{"speaker":"Andy Hart","startTime":3245.6,"endTime":3248.06,"body":"public stamp for your 5k time."},{"speaker":"Carl Widger","startTime":3248.42,"endTime":3252.2599999999998,"body":"So on my 50th"},{"speaker":"Carl Widger","startTime":3248.42,"endTime":3252.2599999999998,"body":"birthday, I did 26 minutes and"},{"speaker":"Carl Widger","startTime":3252.2599999999998,"endTime":3257.2,"body":"17 seconds. If I run this one in"},{"speaker":"Carl Widger","startTime":3252.2599999999998,"endTime":3257.2,"body":"less than 35 minutes, I'll be"},{"speaker":"Carl Widger","startTime":3257.2599999999998,"endTime":3259.72,"body":"doing very, very, very, very"},{"speaker":"Carl Widger","startTime":3257.2599999999998,"endTime":3259.72,"body":"well. That's"},{"speaker":"Alan Smith","startTime":3259.72,"endTime":3260.98,"body":"what we call"},{"speaker":"Alan Smith","startTime":3259.72,"endTime":3260.98,"body":"progress."},{"speaker":"Carl Widger","startTime":3261.3399999999997,"endTime":3264.04,"body":"I was, I was not"},{"speaker":"Carl Widger","startTime":3261.3399999999997,"endTime":3264.04,"body":"going to do it because my back"},{"speaker":"Carl Widger","startTime":3264.04,"endTime":3267.46,"body":"is killing me, as you boys know."},{"speaker":"Carl Widger","startTime":3264.04,"endTime":3267.46,"body":"And I was on the I was on the"},{"speaker":"Carl Widger","startTime":3267.46,"endTime":3271.8399999999997,"body":"radio, and the guy who was"},{"speaker":"Carl Widger","startTime":3267.46,"endTime":3271.8399999999997,"body":"interviewing me said, and, and"},{"speaker":"Carl Widger","startTime":3271.8399999999997,"endTime":3274.06,"body":"Steven was with me as well. He"},{"speaker":"Carl Widger","startTime":3271.8399999999997,"endTime":3274.06,"body":"said, I'm clearly guys, you're"},{"speaker":"Carl Widger","startTime":3274.06,"endTime":3276.9,"body":"going to do the run. And instead"},{"speaker":"Carl Widger","startTime":3274.06,"endTime":3276.9,"body":"of going, No, I'm not going to"},{"speaker":"Carl Widger","startTime":3276.9,"endTime":3279.54,"body":"do the run because I was"},{"speaker":"Carl Widger","startTime":3276.9,"endTime":3279.54,"body":"embarrassed. I went, Yeah, yeah."},{"speaker":"Carl Widger","startTime":3279.54,"endTime":3283.44,"body":"So now I've told everyone on"},{"speaker":"Carl Widger","startTime":3279.54,"endTime":3283.44,"body":"live radio that I'm doing it. So"},{"speaker":"Carl Widger","startTime":3283.44,"endTime":3287.3399999999997,"body":"yes, I have to do it. It's on"},{"speaker":"Carl Widger","startTime":3283.44,"endTime":3287.3399999999997,"body":"September 11, so I have loads of"},{"speaker":"Carl Widger","startTime":3287.3399999999997,"endTime":3289.62,"body":"time to lose that too. So that's"},{"speaker":"Carl Widger","startTime":3287.3399999999997,"endTime":3289.62,"body":"really good"},{"speaker":"Carl Widger","startTime":3295.3199999999997,"endTime":3299.6,"body":"call. Well done. Yeah, any firm?"},{"speaker":"Carl Widger","startTime":3295.3199999999997,"endTime":3299.6,"body":"Okay, do this. Just think"},{"speaker":"Carl Widger","startTime":3299.6,"endTime":3302.06,"body":"outside the box and put yourself"},{"speaker":"Carl Widger","startTime":3299.6,"endTime":3302.06,"body":"out there"},{"speaker":"Nick Lincoln","startTime":3303.02,"endTime":3305.0,"body":"somewhere. 54"},{"speaker":"Nick Lincoln","startTime":3303.02,"endTime":3305.0,"body":"minutes in, we've got two more"},{"speaker":"Nick Lincoln","startTime":3305.0,"endTime":3307.64,"body":"items on the slate. They both"},{"speaker":"Nick Lincoln","startTime":3305.0,"endTime":3307.64,"body":"storyteller, I think,"},{"speaker":"Alan Smith","startTime":3308.18,"endTime":3311.54,"body":"yeah, very, very"},{"speaker":"Alan Smith","startTime":3308.18,"endTime":3311.54,"body":"briefly, I said, I mentioned on"},{"speaker":"Alan Smith","startTime":3311.54,"endTime":3315.74,"body":"the last episode, I think young"},{"speaker":"Alan Smith","startTime":3311.54,"endTime":3315.74,"body":"guy called Max Sullivan, who"},{"speaker":"Alan Smith","startTime":3315.74,"endTime":3320.98,"body":"had, he was, he was, he was"},{"speaker":"Alan Smith","startTime":3315.74,"endTime":3320.98,"body":"working for a large for a firm"},{"speaker":"Alan Smith","startTime":3320.98,"endTime":3323.2599999999998,"body":"that had been part of a"},{"speaker":"Alan Smith","startTime":3320.98,"endTime":3323.2599999999998,"body":"consolidator that bought up"},{"speaker":"Alan Smith","startTime":3323.2599999999998,"endTime":3329.2599999999998,"body":"loads of other firms, and he'd"},{"speaker":"Alan Smith","startTime":3323.2599999999998,"endTime":3329.2599999999998,"body":"left to break away, joined valid"},{"speaker":"Alan Smith","startTime":3329.2599999999998,"endTime":3332.74,"body":"path, set up his own firm, and"},{"speaker":"Alan Smith","startTime":3329.2599999999998,"endTime":3332.74,"body":"was happy. And he was just"},{"speaker":"Alan Smith","startTime":3332.74,"endTime":3336.46,"body":"saying that trap had been a big"},{"speaker":"Alan Smith","startTime":3332.74,"endTime":3336.46,"body":"influence. So I mentioned it,"},{"speaker":"Alan Smith","startTime":3336.46,"endTime":3340.08,"body":"gave him the shout out. Followed"},{"speaker":"Alan Smith","startTime":3336.46,"endTime":3340.08,"body":"out, he subsequently sent me a"},{"speaker":"Alan Smith","startTime":3340.08,"endTime":3342.8399999999997,"body":"message after that episode,"},{"speaker":"Alan Smith","startTime":3340.08,"endTime":3342.8399999999997,"body":"after our last episode, went out"},{"speaker":"Alan Smith","startTime":3342.8399999999997,"endTime":3346.38,"body":"saying hi again. Alan, thought"},{"speaker":"Alan Smith","startTime":3342.8399999999997,"endTime":3346.38,"body":"you'd just like to know that"},{"speaker":"Alan Smith","startTime":3346.38,"endTime":3349.14,"body":"several advisors have reached"},{"speaker":"Alan Smith","startTime":3346.38,"endTime":3349.14,"body":"out to me that are in similar"},{"speaker":"Alan Smith","startTime":3349.14,"endTime":3353.2799999999997,"body":"positions and want to break away"},{"speaker":"Alan Smith","startTime":3349.14,"endTime":3353.2799999999997,"body":"as ifas, this podcast is a"},{"speaker":"Alan Smith","startTime":3353.2799999999997,"endTime":3356.8399999999997,"body":"powerful thing. I thought I'd"},{"speaker":"Alan Smith","startTime":3353.2799999999997,"endTime":3356.8399999999997,"body":"just give that a shout out. I"},{"speaker":"Alan Smith","startTime":3356.8399999999997,"endTime":3362.06,"body":"think that is fantastic. We tell"},{"speaker":"Alan Smith","startTime":3356.8399999999997,"endTime":3362.06,"body":"the story of of Max, who just"},{"speaker":"Alan Smith","startTime":3362.06,"endTime":3365.18,"body":"could no longer be in an"},{"speaker":"Alan Smith","startTime":3362.06,"endTime":3365.18,"body":"organization, who put the"},{"speaker":"Alan Smith","startTime":3365.18,"endTime":3369.7999999999997,"body":"private equity owners first and"},{"speaker":"Alan Smith","startTime":3365.18,"endTime":3369.7999999999997,"body":"the clients last, and decided to"},{"speaker":"Alan Smith","startTime":3369.7999999999997,"endTime":3373.4,"body":"do his own thing, gone down that"},{"speaker":"Alan Smith","startTime":3369.7999999999997,"endTime":3373.4,"body":"path, and then we mentioned it."},{"speaker":"Alan Smith","startTime":3373.4,"endTime":3376.04,"body":"It's like again, a virtuous"},{"speaker":"Alan Smith","startTime":3373.4,"endTime":3376.04,"body":"cycle, because then bunch of."},{"speaker":"Alan Smith","startTime":3376.12,"endTime":3379.6,"body":"Other advisors feeling exactly"},{"speaker":"Alan Smith","startTime":3376.12,"endTime":3379.6,"body":"the same. Check him out online"},{"speaker":"Alan Smith","startTime":3379.6,"endTime":3382.0,"body":"and LinkedIn or whatever. Get in"},{"speaker":"Alan Smith","startTime":3379.6,"endTime":3382.0,"body":"touch and say, How did you do"},{"speaker":"Alan Smith","startTime":3382.0,"endTime":3385.18,"body":"it? And he's he's helping them"},{"speaker":"Alan Smith","startTime":3382.0,"endTime":3385.18,"body":"and coaching them through and so"},{"speaker":"Alan Smith","startTime":3385.7799999999997,"endTime":3388.96,"body":"I do think we are witnessing in"},{"speaker":"Alan Smith","startTime":3385.7799999999997,"endTime":3388.96,"body":"real time, sort of shifting"},{"speaker":"Alan Smith","startTime":3388.96,"endTime":3392.7999999999997,"body":"sands in our profession. There"},{"speaker":"Alan Smith","startTime":3388.96,"endTime":3392.7999999999997,"body":"is this huge, kind of just big"},{"speaker":"Alan Smith","startTime":3393.1,"endTime":3396.4,"body":"roll up, scale up, private"},{"speaker":"Alan Smith","startTime":3393.1,"endTime":3396.4,"body":"equity, back to consolidation."},{"speaker":"Alan Smith","startTime":3396.88,"endTime":3399.66,"body":"And it kind of relates back to"},{"speaker":"Alan Smith","startTime":3396.88,"endTime":3399.66,"body":"the previous story about 1825,"},{"speaker":"Alan Smith","startTime":3400.2,"endTime":3403.2599999999998,"body":"and Aberdeen and everything"},{"speaker":"Alan Smith","startTime":3400.2,"endTime":3403.2599999999998,"body":"else, is that a lot of people"},{"speaker":"Alan Smith","startTime":3403.2599999999998,"endTime":3406.38,"body":"just don't want to work in those"},{"speaker":"Alan Smith","startTime":3403.2599999999998,"endTime":3406.38,"body":"organizations. They don't, and"},{"speaker":"Alan Smith","startTime":3406.38,"endTime":3409.38,"body":"now, if there are, if there are"},{"speaker":"Alan Smith","startTime":3406.38,"endTime":3409.38,"body":"exit ramps, and there's pathways"},{"speaker":"Alan Smith","startTime":3409.44,"endTime":3411.7799999999997,"body":"to go and do your own thing,"},{"speaker":"Alan Smith","startTime":3409.44,"endTime":3411.7799999999997,"body":"where you are in control of your"},{"speaker":"Alan Smith","startTime":3411.7799999999997,"endTime":3414.7799999999997,"body":"own destiny, yes, it's higher"},{"speaker":"Alan Smith","startTime":3411.7799999999997,"endTime":3414.7799999999997,"body":"risk, and it's, maybe it's a bit"},{"speaker":"Alan Smith","startTime":3414.7799999999997,"endTime":3417.8599999999997,"body":"more difficult, certainly in the"},{"speaker":"Alan Smith","startTime":3414.7799999999997,"endTime":3417.8599999999997,"body":"early years, but people like Max"},{"speaker":"Alan Smith","startTime":3417.8599999999997,"endTime":3422.24,"body":"have proven it can be done. And"},{"speaker":"Alan Smith","startTime":3417.8599999999997,"endTime":3422.24,"body":"I'm sure if anyone else missed"},{"speaker":"Alan Smith","startTime":3422.24,"endTime":3425.06,"body":"those episodes, that last"},{"speaker":"Alan Smith","startTime":3422.24,"endTime":3425.06,"body":"episode Max be more than happy"},{"speaker":"Alan Smith","startTime":3425.54,"endTime":3428.12,"body":"to have a chat with you, because"},{"speaker":"Alan Smith","startTime":3425.54,"endTime":3428.12,"body":"he's he's passionate about it."},{"speaker":"Alan Smith","startTime":3428.12,"endTime":3430.7599999999998,"body":"He wants to share his own"},{"speaker":"Alan Smith","startTime":3428.12,"endTime":3430.7599999999998,"body":"journey and help others to do"},{"speaker":"Alan Smith","startTime":3430.7599999999998,"endTime":3431.6,"body":"similar so"},{"speaker":"Andy Hart","startTime":3431.6,"endTime":3433.4,"body":"they'll never be the"},{"speaker":"Andy Hart","startTime":3431.6,"endTime":3433.4,"body":"perfect time to do it. The"},{"speaker":"Andy Hart","startTime":3433.4,"endTime":3437.62,"body":"perfect time to do it is,"},{"speaker":"Andy Hart","startTime":3433.4,"endTime":3437.62,"body":"unfortunately, immediately, just"},{"speaker":"Andy Hart","startTime":3437.62,"endTime":3441.52,"body":"get the younger you are the set"},{"speaker":"Andy Hart","startTime":3437.62,"endTime":3441.52,"body":"off less kids. Perfection is the"},{"speaker":"Nick Lincoln","startTime":3441.52,"endTime":3442.66,"body":"enemy perfection."},{"speaker":"Nick Lincoln","startTime":3441.52,"endTime":3442.66,"body":"Well,"},{"speaker":"Alan Smith","startTime":3442.9,"endTime":3446.38,"body":"exactly. But if"},{"speaker":"Alan Smith","startTime":3442.9,"endTime":3446.38,"body":"there are now, like a small"},{"speaker":"Alan Smith","startTime":3446.38,"endTime":3449.7999999999997,"body":"cohort of these people, and of"},{"speaker":"Alan Smith","startTime":3446.38,"endTime":3449.7999999999997,"body":"course, you have got, we"},{"speaker":"Alan Smith","startTime":3449.7999999999997,"endTime":3452.2,"body":"mentioned it before as well,"},{"speaker":"Alan Smith","startTime":3449.7999999999997,"endTime":3452.2,"body":"Haley and The Verve team,"},{"speaker":"Alan Smith","startTime":3452.2,"endTime":3454.9,"body":"they've got a an incubator type"},{"speaker":"Alan Smith","startTime":3452.2,"endTime":3454.9,"body":"thing with there's, there is"},{"speaker":"Alan Smith","startTime":3454.9,"endTime":3458.3399999999997,"body":"plenty of support around. But if"},{"speaker":"Alan Smith","startTime":3454.9,"endTime":3458.3399999999997,"body":"you can speak to somebody who's"},{"speaker":"Alan Smith","startTime":3458.3399999999997,"endTime":3460.98,"body":"maybe six months, 12 months"},{"speaker":"Alan Smith","startTime":3458.3399999999997,"endTime":3460.98,"body":"ahead of you on the path, that's"},{"speaker":"Alan Smith","startTime":3460.98,"endTime":3464.7,"body":"really helpful. And people are"},{"speaker":"Alan Smith","startTime":3460.98,"endTime":3464.7,"body":"so giving of their time. They"},{"speaker":"Alan Smith","startTime":3464.7,"endTime":3468.42,"body":"want it. They want others to to"},{"speaker":"Alan Smith","startTime":3464.7,"endTime":3468.42,"body":"thrive in this so if it's on"},{"speaker":"Alan Smith","startTime":3468.42,"endTime":3471.6,"body":"your mind, you know, take some"},{"speaker":"Alan Smith","startTime":3468.42,"endTime":3471.6,"body":"action today. I would suggest,"},{"speaker":"Nick Lincoln","startTime":3472.62,"endTime":3474.48,"body":"well, good, Ryan,"},{"speaker":"Nick Lincoln","startTime":3472.62,"endTime":3474.48,"body":"the last one thing on the slate,"},{"speaker":"Nick Lincoln","startTime":3474.54,"endTime":3475.62,"body":"come on. Final"},{"speaker":"Alan Smith","startTime":3475.62,"endTime":3478.64,"body":"thing, just a shout"},{"speaker":"Alan Smith","startTime":3475.62,"endTime":3478.64,"body":"out friend of the podcast, Brett"},{"speaker":"Alan Smith","startTime":3478.64,"endTime":3481.3399999999997,"body":"Davidson. Brett Davidson, if"},{"speaker":"Alan Smith","startTime":3478.64,"endTime":3481.3399999999997,"body":"anyone doesn't know him, there"},{"speaker":"Alan Smith","startTime":3481.3399999999997,"endTime":3483.98,"body":"can't be many people who don't"},{"speaker":"Alan Smith","startTime":3481.3399999999997,"endTime":3483.98,"body":"know him. Brett Davidson is a"},{"speaker":"Alan Smith","startTime":3483.98,"endTime":3487.46,"body":"sort of coach consultant to the"},{"speaker":"Alan Smith","startTime":3483.98,"endTime":3487.46,"body":"industry. It's been a while"},{"speaker":"Alan Smith","startTime":3487.94,"endTime":3492.02,"body":"straight talking Aussie as he"},{"speaker":"Alan Smith","startTime":3487.94,"endTime":3492.02,"body":"calls himself, Brett Brett's got"},{"speaker":"Alan Smith","startTime":3492.02,"endTime":3495.62,"body":"a band, I think they're called"},{"speaker":"Alan Smith","startTime":3492.02,"endTime":3495.62,"body":"the King rats and bets. Brett's"},{"speaker":"Alan Smith","startTime":3495.62,"endTime":3499.96,"body":"band is playing a gig on the"},{"speaker":"Alan Smith","startTime":3495.62,"endTime":3499.96,"body":"17th of September at the hope"},{"speaker":"Alan Smith","startTime":3499.96,"endTime":3503.44,"body":"and anchor. Hope and anchor a"},{"speaker":"Alan Smith","startTime":3499.96,"endTime":3503.44,"body":"very famous place to have live"},{"speaker":"Alan Smith","startTime":3503.44,"endTime":3507.46,"body":"music in Islington in London. So"},{"speaker":"Alan Smith","startTime":3503.44,"endTime":3507.46,"body":"17th of September, I'm going to"},{"speaker":"Alan Smith","startTime":3507.46,"endTime":3510.7,"body":"go along. I'm gonna take my son"},{"speaker":"Alan Smith","startTime":3507.46,"endTime":3510.7,"body":"along to be a few of us going"},{"speaker":"Alan Smith","startTime":3510.7,"endTime":3513.8199999999997,"body":"along. So if anyone's in the"},{"speaker":"Alan Smith","startTime":3510.7,"endTime":3513.8199999999997,"body":"area on the 17th, go along, see"},{"speaker":"Alan Smith","startTime":3513.8199999999997,"endTime":3517.62,"body":"Brett's band playing live, and"},{"speaker":"Alan Smith","startTime":3513.8199999999997,"endTime":3517.62,"body":"have a few beers and have a good"},{"speaker":"Alan Smith","startTime":3517.62,"endTime":3518.04,"body":"night out."},{"speaker":"Nick Lincoln","startTime":3519.48,"endTime":3521.58,"body":"Excellent, good"},{"speaker":"Nick Lincoln","startTime":3519.48,"endTime":3521.58,"body":"stuff. Okay? And that with the"},{"speaker":"Nick Lincoln","startTime":3521.58,"endTime":3528.2999999999997,"body":"typical Thank you, leads on to"},{"speaker":"Nick Lincoln","startTime":3521.58,"endTime":3528.2999999999997,"body":"the what many people call the"},{"speaker":"Nick Lincoln","startTime":3528.2999999999997,"endTime":3533.94,"body":"meat and potatoes of the show,"},{"speaker":"Nick Lincoln","startTime":3528.2999999999997,"endTime":3533.94,"body":"because we although that, we're"},{"speaker":"Nick Lincoln","startTime":3533.94,"endTime":3536.42,"body":"all going through it right. It's"},{"speaker":"Nick Lincoln","startTime":3533.94,"endTime":3536.42,"body":"the summer kind of recess. We're"},{"speaker":"Nick Lincoln","startTime":3536.42,"endTime":3540.14,"body":"just taking time off to"},{"speaker":"Nick Lincoln","startTime":3536.42,"endTime":3540.14,"body":"recharge. We're on holidays with"},{"speaker":"Nick Lincoln","startTime":3540.14,"endTime":3542.6,"body":"our loved ones and sometimes"},{"speaker":"Nick Lincoln","startTime":3540.14,"endTime":3542.6,"body":"with our other cells, our"},{"speaker":"Nick Lincoln","startTime":3542.6,"endTime":3546.3199999999997,"body":"spouses as well, just just sort"},{"speaker":"Nick Lincoln","startTime":3542.6,"endTime":3546.3199999999997,"body":"of putting the world back, back"},{"speaker":"Nick Lincoln","startTime":3546.3199999999997,"endTime":3549.02,"body":"in order, getting our minds"},{"speaker":"Nick Lincoln","startTime":3546.3199999999997,"endTime":3549.02,"body":"mentally, mentally set up. But"},{"speaker":"Nick Lincoln","startTime":3549.02,"endTime":3551.48,"body":"then September comes back, and"},{"speaker":"Nick Lincoln","startTime":3549.02,"endTime":3551.48,"body":"you're back into the same old,"},{"speaker":"Nick Lincoln","startTime":3551.48,"endTime":3555.02,"body":"same old, and talking about"},{"speaker":"Nick Lincoln","startTime":3551.48,"endTime":3555.02,"body":"Austria piss. Mr. Davidson,"},{"speaker":"Nick Lincoln","startTime":3555.02,"endTime":3558.4,"body":"friend of the show. He has a"},{"speaker":"Nick Lincoln","startTime":3555.02,"endTime":3558.4,"body":"very good weekly email that he"},{"speaker":"Nick Lincoln","startTime":3558.4,"endTime":3560.56,"body":"sends out the link to that will"},{"speaker":"Nick Lincoln","startTime":3558.4,"endTime":3560.56,"body":"be in the so called show notes."},{"speaker":"Nick Lincoln","startTime":3560.56,"endTime":3563.3199999999997,"body":"I know that watch got and gets"},{"speaker":"Nick Lincoln","startTime":3560.56,"endTime":3563.3199999999997,"body":"that email and thinks a lot of"},{"speaker":"Nick Lincoln","startTime":3563.3199999999997,"endTime":3566.68,"body":"Brett Davidson, watch. What are"},{"speaker":"Nick Lincoln","startTime":3563.3199999999997,"endTime":3566.68,"body":"you going to talk to us about on"},{"speaker":"Nick Lincoln","startTime":3566.68,"endTime":3569.2,"body":"the back of that email and your"},{"speaker":"Nick Lincoln","startTime":3566.68,"endTime":3569.2,"body":"general thoughts on recharging"},{"speaker":"Nick Lincoln","startTime":3569.2,"endTime":3570.7599999999998,"body":"and gearing up for the next 12"},{"speaker":"Carl Widger","startTime":3571.18,"endTime":3573.7,"body":"months ahead? Yeah,"},{"speaker":"Carl Widger","startTime":3571.18,"endTime":3573.7,"body":"people, I've met Brad Davidson"},{"speaker":"Carl Widger","startTime":3573.7,"endTime":3577.98,"body":"once in my life for a very for"},{"speaker":"Carl Widger","startTime":3573.7,"endTime":3577.98,"body":"about a 15 minute chat. People"},{"speaker":"Carl Widger","startTime":3578.04,"endTime":3580.56,"body":"are I mentioned him so many"},{"speaker":"Carl Widger","startTime":3578.04,"endTime":3580.56,"body":"times on this podcast, people"},{"speaker":"Carl Widger","startTime":3580.56,"endTime":3583.2,"body":"are going to think Brett has"},{"speaker":"Carl Widger","startTime":3580.56,"endTime":3583.2,"body":"compromising pictures of me or"},{"speaker":"Carl Widger","startTime":3583.2,"endTime":3588.3599999999997,"body":"something like that. But it's"},{"speaker":"Carl Widger","startTime":3583.2,"endTime":3588.3599999999997,"body":"not that. It's just, as we said"},{"speaker":"Carl Widger","startTime":3588.3599999999997,"endTime":3592.14,"body":"before, it's like he reads my"},{"speaker":"Carl Widger","startTime":3588.3599999999997,"endTime":3592.14,"body":"mind. And I got this latest"},{"speaker":"Carl Widger","startTime":3592.14,"endTime":3595.44,"body":"email, and I think the title of"},{"speaker":"Carl Widger","startTime":3592.14,"endTime":3595.44,"body":"it was something like time for a"},{"speaker":"Carl Widger","startTime":3595.44,"endTime":3601.1,"body":"reset, and I spent the summer"},{"speaker":"Carl Widger","startTime":3595.44,"endTime":3601.1,"body":"going to festivals. I've been to"},{"speaker":"Carl Widger","startTime":3601.2799999999997,"endTime":3604.58,"body":"Greece with my youngest"},{"speaker":"Carl Widger","startTime":3601.2799999999997,"endTime":3604.58,"body":"daughter. I was away with my"},{"speaker":"Carl Widger","startTime":3604.64,"endTime":3607.94,"body":"other three daughters as well,"},{"speaker":"Carl Widger","startTime":3604.64,"endTime":3607.94,"body":"and there's been lots of fun"},{"speaker":"Carl Widger","startTime":3607.94,"endTime":3613.2799999999997,"body":"times and relaxation. And now"},{"speaker":"Carl Widger","startTime":3607.94,"endTime":3613.2799999999997,"body":"it's back to business. And this"},{"speaker":"Carl Widger","startTime":3613.2799999999997,"endTime":3617.92,"body":"email was just perfect timing."},{"speaker":"Carl Widger","startTime":3613.2799999999997,"endTime":3617.92,"body":"And it was about, I suppose the"},{"speaker":"Carl Widger","startTime":3617.92,"endTime":3621.7599999999998,"body":"theme of it is like, are you"},{"speaker":"Carl Widger","startTime":3617.92,"endTime":3621.7599999999998,"body":"just going to drift now into"},{"speaker":"Carl Widger","startTime":3621.7599999999998,"endTime":3624.52,"body":"September, like you normally"},{"speaker":"Carl Widger","startTime":3621.7599999999998,"endTime":3624.52,"body":"did, and you going to drift and"},{"speaker":"Carl Widger","startTime":3624.52,"endTime":3627.2799999999997,"body":"just get really busy? Because it"},{"speaker":"Carl Widger","startTime":3624.52,"endTime":3627.2799999999997,"body":"does get busy, doesn't it, this"},{"speaker":"Carl Widger","startTime":3627.2799999999997,"endTime":3629.74,"body":"side of Christmas, certainly"},{"speaker":"Carl Widger","startTime":3627.2799999999997,"endTime":3629.74,"body":"over here, we've tax deadline,"},{"speaker":"Carl Widger","startTime":3629.74,"endTime":3633.46,"body":"that kind of stuff. And then"},{"speaker":"Carl Widger","startTime":3629.74,"endTime":3633.46,"body":"you'll be kind of into"},{"speaker":"Carl Widger","startTime":3633.46,"endTime":3636.9,"body":"Christmas, and then you'll be"},{"speaker":"Carl Widger","startTime":3633.46,"endTime":3636.9,"body":"planning for next year. Or do"},{"speaker":"Carl Widger","startTime":3636.9,"endTime":3641.52,"body":"you take a moment and go right?"},{"speaker":"Carl Widger","startTime":3636.9,"endTime":3641.52,"body":"How do I get really intentional"},{"speaker":"Carl Widger","startTime":3641.52,"endTime":3646.3199999999997,"body":"about making some big decisions"},{"speaker":"Carl Widger","startTime":3641.52,"endTime":3646.3199999999997,"body":"here? Now the big decisions"},{"speaker":"Carl Widger","startTime":3646.3199999999997,"endTime":3649.74,"body":"might be about short term goals,"},{"speaker":"Carl Widger","startTime":3646.3199999999997,"endTime":3649.74,"body":"and that's what I've decided"},{"speaker":"Carl Widger","startTime":3649.74,"endTime":3653.64,"body":"they are going to be. So I'm"},{"speaker":"Carl Widger","startTime":3649.74,"endTime":3653.64,"body":"getting really intentionally"},{"speaker":"Carl Widger","startTime":3653.64,"endTime":3658.22,"body":"busy, but busy for to finish the"},{"speaker":"Carl Widger","startTime":3653.64,"endTime":3658.22,"body":"year really, really strongly"},{"speaker":"Carl Widger","startTime":3658.22,"endTime":3661.94,"body":"with medicine, with the team at"},{"speaker":"Carl Widger","startTime":3658.22,"endTime":3661.94,"body":"Metis, we had a board meeting"},{"speaker":"Carl Widger","startTime":3661.94,"endTime":3666.38,"body":"last week, and senior leadership"},{"speaker":"Carl Widger","startTime":3661.94,"endTime":3666.38,"body":"team meeting as well, and it was"},{"speaker":"Carl Widger","startTime":3666.38,"endTime":3669.08,"body":"that was the focus. So that was"},{"speaker":"Carl Widger","startTime":3666.38,"endTime":3669.08,"body":"the theme. It's like, right?"},{"speaker":"Carl Widger","startTime":3669.44,"endTime":3672.38,"body":"Let's not get too carried away,"},{"speaker":"Carl Widger","startTime":3669.44,"endTime":3672.38,"body":"because you can, you know, we've"},{"speaker":"Carl Widger","startTime":3672.38,"endTime":3675.7999999999997,"body":"spoken about AI and all those"},{"speaker":"Carl Widger","startTime":3672.38,"endTime":3675.7999999999997,"body":"other bigger plans, and the"},{"speaker":"Carl Widger","startTime":3675.8599999999997,"endTime":3681.1,"body":"more. Medium and longer term"},{"speaker":"Carl Widger","startTime":3675.8599999999997,"endTime":3681.1,"body":"goals or strategies, but for us,"},{"speaker":"Carl Widger","startTime":3681.1,"endTime":3686.2,"body":"it's right we set out really,"},{"speaker":"Carl Widger","startTime":3681.1,"endTime":3686.2,"body":"really, I would say, robust"},{"speaker":"Carl Widger","startTime":3686.2,"endTime":3689.92,"body":"targets at the start of the"},{"speaker":"Carl Widger","startTime":3686.2,"endTime":3689.92,"body":"year, we're on track, but we"},{"speaker":"Carl Widger","startTime":3689.92,"endTime":3693.1,"body":"will need to finish the year"},{"speaker":"Carl Widger","startTime":3689.92,"endTime":3693.1,"body":"really strongly to make sure"},{"speaker":"Carl Widger","startTime":3693.1,"endTime":3697.02,"body":"that we actually hit all of"},{"speaker":"Carl Widger","startTime":3693.1,"endTime":3697.02,"body":"those targets, and how, what a"},{"speaker":"Carl Widger","startTime":3697.02,"endTime":3700.02,"body":"great position we would be in if"},{"speaker":"Carl Widger","startTime":3697.02,"endTime":3700.02,"body":"we get to the end of the year."},{"speaker":"Carl Widger","startTime":3700.02,"endTime":3702.8399999999997,"body":"Haven't absolutely nailed all of"},{"speaker":"Carl Widger","startTime":3700.02,"endTime":3702.8399999999997,"body":"our big targets. So for me,"},{"speaker":"Carl Widger","startTime":3704.64,"endTime":3707.8199999999997,"body":"it's, as I say, getting"},{"speaker":"Carl Widger","startTime":3704.64,"endTime":3707.8199999999997,"body":"intentionally busy. We're doing"},{"speaker":"Carl Widger","startTime":3707.8199999999997,"endTime":3710.88,"body":"a lot of client of our a lot of"},{"speaker":"Carl Widger","startTime":3707.8199999999997,"endTime":3710.88,"body":"events, I would say. So we've"},{"speaker":"Carl Widger","startTime":3710.88,"endTime":3714.0,"body":"kind of, you know, smaller stuff"},{"speaker":"Carl Widger","startTime":3710.88,"endTime":3714.0,"body":"and some bigger stuff. We do"},{"speaker":"Carl Widger","startTime":3714.0,"endTime":3717.62,"body":"have our client advisory panel"},{"speaker":"Carl Widger","startTime":3714.0,"endTime":3717.62,"body":"meeting coming up in September,"},{"speaker":"Carl Widger","startTime":3718.3399999999997,"endTime":3720.98,"body":"with the Dublin Chamber of"},{"speaker":"Carl Widger","startTime":3718.3399999999997,"endTime":3720.98,"body":"Commerce dinner. We have a"},{"speaker":"Carl Widger","startTime":3720.98,"endTime":3725.9,"body":"couple of client events. We"},{"speaker":"Carl Widger","startTime":3720.98,"endTime":3725.9,"body":"have, I'm actually hosting the"},{"speaker":"Carl Widger","startTime":3725.9,"endTime":3731.12,"body":"ideas exchange group in Metis in"},{"speaker":"Carl Widger","startTime":3725.9,"endTime":3731.12,"body":"November, so bringing them into"},{"speaker":"Carl Widger","startTime":3731.12,"endTime":3735.2599999999998,"body":"the office to show them around."},{"speaker":"Carl Widger","startTime":3731.12,"endTime":3735.2599999999998,"body":"And we're also aforementioned"},{"speaker":"Carl Widger","startTime":3735.2599999999998,"endTime":3737.7999999999997,"body":"cleaners foundation. We're"},{"speaker":"Carl Widger","startTime":3735.2599999999998,"endTime":3737.7999999999997,"body":"actually the main sponsors to"},{"speaker":"Carl Widger","startTime":3737.7999999999997,"endTime":3742.48,"body":"their annual Christmas ball. So"},{"speaker":"Carl Widger","startTime":3737.7999999999997,"endTime":3742.48,"body":"loads of stuff coming up. And,"},{"speaker":"Carl Widger","startTime":3742.96,"endTime":3747.7,"body":"you know, I suppose it's, it can"},{"speaker":"Carl Widger","startTime":3742.96,"endTime":3747.7,"body":"only come from me in terms of,"},{"speaker":"Carl Widger","startTime":3747.7,"endTime":3750.58,"body":"right? Let's decide everybody at"},{"speaker":"Carl Widger","startTime":3747.7,"endTime":3750.58,"body":"Metis, what are we going to"},{"speaker":"Carl Widger","startTime":3750.58,"endTime":3754.8399999999997,"body":"focus on now, from here home and"},{"speaker":"Carl Widger","startTime":3750.58,"endTime":3754.8399999999997,"body":"from here home, it's right, how"},{"speaker":"Carl Widger","startTime":3754.8399999999997,"endTime":3758.88,"body":"many new families can we bring"},{"speaker":"Carl Widger","startTime":3754.8399999999997,"endTime":3758.88,"body":"in, do financial plans for and"},{"speaker":"Carl Widger","startTime":3758.88,"endTime":3762.96,"body":"do great work. And it's that"},{"speaker":"Carl Widger","startTime":3758.88,"endTime":3762.96,"body":"that, you know, normally I'd be"},{"speaker":"Carl Widger","startTime":3763.02,"endTime":3766.8599999999997,"body":"more medium to long term focus,"},{"speaker":"Carl Widger","startTime":3763.02,"endTime":3766.8599999999997,"body":"but it's like, I think it will"},{"speaker":"Carl Widger","startTime":3766.8599999999997,"endTime":3772.2599999999998,"body":"just just set us up for an"},{"speaker":"Carl Widger","startTime":3766.8599999999997,"endTime":3772.2599999999998,"body":"absolutely amazing Christmas and"},{"speaker":"Carl Widger","startTime":3772.3199999999997,"endTime":3777.14,"body":"then into the new year, if we go"},{"speaker":"Carl Widger","startTime":3772.3199999999997,"endTime":3777.14,"body":"and nail what we thought was"},{"speaker":"Carl Widger","startTime":3777.14,"endTime":3781.3399999999997,"body":"probably impossible at the start"},{"speaker":"Carl Widger","startTime":3777.14,"endTime":3781.3399999999997,"body":"of the year, and we're on track"},{"speaker":"Carl Widger","startTime":3781.3399999999997,"endTime":3784.7599999999998,"body":"to do the impossible, and that"},{"speaker":"Carl Widger","startTime":3781.3399999999997,"endTime":3784.7599999999998,"body":"will be absolutely amazing for"},{"speaker":"Carl Widger","startTime":3784.7599999999998,"endTime":3788.8399999999997,"body":"us. So it's just interested to"},{"speaker":"Carl Widger","startTime":3784.7599999999998,"endTime":3788.8399999999997,"body":"hear what you guys are thinking"},{"speaker":"Carl Widger","startTime":3788.8399999999997,"endTime":3791.42,"body":"about this. Maybe you're not"},{"speaker":"Carl Widger","startTime":3788.8399999999997,"endTime":3791.42,"body":"thinking about it at all, and"},{"speaker":"Carl Widger","startTime":3791.42,"endTime":3795.74,"body":"maybe cruising into September is"},{"speaker":"Carl Widger","startTime":3791.42,"endTime":3795.74,"body":"what you're going to do, or, I"},{"speaker":"Carl Widger","startTime":3795.74,"endTime":3799.9,"body":"think Brett calls it drifting."},{"speaker":"Carl Widger","startTime":3795.74,"endTime":3799.9,"body":"Are you going to drift? So who"},{"speaker":"Carl Widger","startTime":3799.9,"endTime":3803.08,"body":"wants to go next? Nick,"},{"speaker":"Nick Lincoln","startTime":3807.7599999999998,"endTime":3809.7999999999997,"body":"sorry, you had"},{"speaker":"Nick Lincoln","startTime":3807.7599999999998,"endTime":3809.7999999999997,"body":"your hand raised Ultra from"},{"speaker":"Nick Lincoln","startTime":3809.7999999999997,"endTime":3812.3199999999997,"body":"previous to hadn't lowered it."},{"speaker":"Nick Lincoln","startTime":3809.7999999999997,"endTime":3812.3199999999997,"body":"So I suspect you to go, sorry,"},{"speaker":"Nick Lincoln","startTime":3812.3199999999997,"endTime":3814.96,"body":"so you might as well go, Andrew,"},{"speaker":"Nick Lincoln","startTime":3812.3199999999997,"endTime":3814.96,"body":"take advantage of the fact you"},{"speaker":"Nick Lincoln","startTime":3814.96,"endTime":3815.2,"body":"raised"},{"speaker":"Andy Hart","startTime":3815.2,"endTime":3817.14,"body":"a hand. No, you go."},{"speaker":"Andy Hart","startTime":3815.2,"endTime":3817.14,"body":"Nick, we want to hear your"},{"speaker":"Andy Hart","startTime":3817.14,"endTime":3819.6,"body":"drifting stories. Can't wait."},{"speaker":"Andy Hart","startTime":3817.14,"endTime":3819.6,"body":"Yeah, I'm a drifter. I mean, my"},{"speaker":"Andy Hart","startTime":3819.6,"endTime":3820.5,"body":"life's a big drift."},{"speaker":"Nick Lincoln","startTime":3823.38,"endTime":3825.8399999999997,"body":"Some would say"},{"speaker":"Nick Lincoln","startTime":3823.38,"endTime":3825.8399999999997,"body":"towards the rocks. I say Bob,"},{"speaker":"Nick Lincoln","startTime":3825.9,"endTime":3828.72,"body":"Bobby, gently on the on the"},{"speaker":"Nick Lincoln","startTime":3825.9,"endTime":3828.72,"body":"other gentle ways of the Med,"},{"speaker":"Nick Lincoln","startTime":3828.7799999999997,"endTime":3832.56,"body":"yeah, I don't really, August is"},{"speaker":"Nick Lincoln","startTime":3828.7799999999997,"endTime":3832.56,"body":"quiet because, you know, I block"},{"speaker":"Nick Lincoln","startTime":3832.56,"endTime":3836.72,"body":"out my diary, and you know, I'm"},{"speaker":"Nick Lincoln","startTime":3832.56,"endTime":3836.72,"body":"married presently to TLP, who's"},{"speaker":"Nick Lincoln","startTime":3837.08,"endTime":3842.42,"body":"out there somewhere on a on a"},{"speaker":"Nick Lincoln","startTime":3837.08,"endTime":3842.42,"body":"Sunday, hotel going north. No,"},{"speaker":"Nick Lincoln","startTime":3842.42,"endTime":3844.52,"body":"no, she's not leaving because"},{"speaker":"Nick Lincoln","startTime":3842.42,"endTime":3844.52,"body":"she's very excited. She's"},{"speaker":"Nick Lincoln","startTime":3844.52,"endTime":3846.68,"body":"booked. She books a beauty"},{"speaker":"Nick Lincoln","startTime":3844.52,"endTime":3846.68,"body":"treatment for later on."},{"speaker":"Nick Lincoln","startTime":3846.68,"endTime":3849.14,"body":"Apparently, she's going down to"},{"speaker":"Nick Lincoln","startTime":3846.68,"endTime":3849.14,"body":"the spa to get a facial, which"},{"speaker":"Nick Lincoln","startTime":3850.3399999999997,"endTime":3852.56,"body":"is looking forward to. So I know"},{"speaker":"Nick Lincoln","startTime":3850.3399999999997,"endTime":3852.56,"body":"she's hanging around. Are you"},{"speaker":"Nick Lincoln","startTime":3852.56,"endTime":3859.12,"body":"not having one Nick? No, no. I"},{"speaker":"Nick Lincoln","startTime":3852.56,"endTime":3859.12,"body":"need an internal I need"},{"speaker":"Nick Lincoln","startTime":3859.12,"endTime":3860.08,"body":"everything done. I need"},{"speaker":"Alan Smith","startTime":3860.98,"endTime":3864.58,"body":"rip it all out and"},{"speaker":"Alan Smith","startTime":3860.98,"endTime":3864.58,"body":"start again. Just start again."},{"speaker":"Nick Lincoln","startTime":3865.9,"endTime":3867.4,"body":"Leave the ears."},{"speaker":"Nick Lincoln","startTime":3865.9,"endTime":3867.4,"body":"The ears are quite good."},{"speaker":"Nick Lincoln","startTime":3867.4,"endTime":3871.0,"body":"Everything else is a write off"},{"speaker":"Nick Lincoln","startTime":3867.4,"endTime":3871.0,"body":"work backwards from the So, no,"},{"speaker":"Nick Lincoln","startTime":3871.0,"endTime":3875.7999999999997,"body":"I don't. I don't. I mean, you"},{"speaker":"Nick Lincoln","startTime":3871.0,"endTime":3875.7999999999997,"body":"know I say with Ultra my"},{"speaker":"Nick Lincoln","startTime":3875.7999999999997,"endTime":3878.94,"body":"business has certain cadences."},{"speaker":"Nick Lincoln","startTime":3875.7999999999997,"endTime":3878.94,"body":"So yes, September through to"},{"speaker":"Nick Lincoln","startTime":3878.94,"endTime":3882.0,"body":"November is relatively busy"},{"speaker":"Nick Lincoln","startTime":3878.94,"endTime":3882.0,"body":"because I haven't done much in"},{"speaker":"Nick Lincoln","startTime":3882.0,"endTime":3886.74,"body":"August and again and again,"},{"speaker":"Nick Lincoln","startTime":3882.0,"endTime":3886.74,"body":"February to April can be busy"},{"speaker":"Nick Lincoln","startTime":3886.74,"endTime":3889.14,"body":"because that's just how"},{"speaker":"Nick Lincoln","startTime":3886.74,"endTime":3889.14,"body":"Christmas time, it slows down,"},{"speaker":"Nick Lincoln","startTime":3889.14,"endTime":3892.68,"body":"then it picks up again. But it's"},{"speaker":"Nick Lincoln","startTime":3889.14,"endTime":3892.68,"body":"not a conscious effort for me at"},{"speaker":"Nick Lincoln","startTime":3892.68,"endTime":3895.2,"body":"the start of September to think,"},{"speaker":"Nick Lincoln","startTime":3892.68,"endTime":3895.2,"body":"oh, you know, let's go again."},{"speaker":"Nick Lincoln","startTime":3895.2,"endTime":3901.58,"body":"It's just I plod on at my same"},{"speaker":"Nick Lincoln","startTime":3895.2,"endTime":3901.58,"body":"pace, and I don't have the same"},{"speaker":"Nick Lincoln","startTime":3902.7799999999997,"endTime":3905.66,"body":"you're obviously card. You are."},{"speaker":"Nick Lincoln","startTime":3902.7799999999997,"endTime":3905.66,"body":"And this is a, this is a"},{"speaker":"Nick Lincoln","startTime":3905.66,"endTime":3908.6,"body":"compliment. You are very metric"},{"speaker":"Nick Lincoln","startTime":3905.66,"endTime":3908.6,"body":"driven, and you're very target"},{"speaker":"Nick Lincoln","startTime":3908.6,"endTime":3911.0,"body":"driven. And I know you love it,"},{"speaker":"Nick Lincoln","startTime":3908.6,"endTime":3911.0,"body":"and you've got that very swish"},{"speaker":"Nick Lincoln","startTime":3911.0,"endTime":3915.56,"body":"back office mi system that you"},{"speaker":"Nick Lincoln","startTime":3911.0,"endTime":3915.56,"body":"use to track how all your guys"},{"speaker":"Nick Lincoln","startTime":3915.62,"endTime":3918.2799999999997,"body":"and girls are doing and all you"},{"speaker":"Nick Lincoln","startTime":3915.62,"endTime":3918.2799999999997,"body":"want, and you review it, and I"},{"speaker":"Nick Lincoln","startTime":3918.2799999999997,"endTime":3920.7999999999997,"body":"think you're quite you're on it."},{"speaker":"Nick Lincoln","startTime":3918.2799999999997,"endTime":3920.7999999999997,"body":"You know you're not. You don't,"},{"speaker":"Nick Lincoln","startTime":3920.7999999999997,"endTime":3923.3199999999997,"body":"you don't shy away from having"},{"speaker":"Nick Lincoln","startTime":3920.7999999999997,"endTime":3923.3199999999997,"body":"difficult conversations with"},{"speaker":"Nick Lincoln","startTime":3923.3199999999997,"endTime":3925.7799999999997,"body":"advisors that are producing and"},{"speaker":"Nick Lincoln","startTime":3923.3199999999997,"endTime":3925.7799999999997,"body":"then more power to you."},{"speaker":"Nick Lincoln","startTime":3925.7799999999997,"endTime":3928.6,"body":"Obviously, my business is not"},{"speaker":"Nick Lincoln","startTime":3925.7799999999997,"endTime":3928.6,"body":"that way. I have, I do have a"},{"speaker":"Nick Lincoln","startTime":3928.6,"endTime":3931.06,"body":"plan. I mean, I wouldn't say I"},{"speaker":"Nick Lincoln","startTime":3928.6,"endTime":3931.06,"body":"am drifting. I mean, Brett might"},{"speaker":"Nick Lincoln","startTime":3931.06,"endTime":3933.1,"body":"say, it's true. I'm not. I know"},{"speaker":"Nick Lincoln","startTime":3931.06,"endTime":3933.1,"body":"where I want to be. I've always"},{"speaker":"Nick Lincoln","startTime":3933.1,"endTime":3935.8599999999997,"body":"said, you mentioned the phrase I"},{"speaker":"Nick Lincoln","startTime":3933.1,"endTime":3935.8599999999997,"body":"use all the time. Storyteller"},{"speaker":"Nick Lincoln","startTime":3935.8599999999997,"endTime":3938.64,"body":"earlier about begin with the end"},{"speaker":"Nick Lincoln","startTime":3935.8599999999997,"endTime":3938.64,"body":"of mind, you know, my entire"},{"speaker":"Nick Lincoln","startTime":3938.64,"endTime":3941.1,"body":"business is built around it."},{"speaker":"Nick Lincoln","startTime":3938.64,"endTime":3941.1,"body":"Then I know exactly where I need"},{"speaker":"Nick Lincoln","startTime":3941.1,"endTime":3943.38,"body":"to be at a certain point in"},{"speaker":"Nick Lincoln","startTime":3941.1,"endTime":3943.38,"body":"life, and I'm working towards"},{"speaker":"Nick Lincoln","startTime":3943.38,"endTime":3947.16,"body":"getting there so that for me,"},{"speaker":"Nick Lincoln","startTime":3943.38,"endTime":3947.16,"body":"that doesn't involve stopping"},{"speaker":"Nick Lincoln","startTime":3947.16,"endTime":3950.1,"body":"completely in August and then"},{"speaker":"Nick Lincoln","startTime":3947.16,"endTime":3950.1,"body":"going, shit, let's bloody nail"},{"speaker":"Nick Lincoln","startTime":3950.1,"endTime":3952.38,"body":"it again in September. No,"},{"speaker":"Nick Lincoln","startTime":3950.1,"endTime":3952.38,"body":"because that's, that's, you"},{"speaker":"Nick Lincoln","startTime":3952.38,"endTime":3955.74,"body":"know, I mean, I'm reading Jeff"},{"speaker":"Nick Lincoln","startTime":3952.38,"endTime":3955.74,"body":"Bezos his biography, which is"},{"speaker":"Nick Lincoln","startTime":3955.74,"endTime":3958.52,"body":"written a few years ago now, I"},{"speaker":"Nick Lincoln","startTime":3955.74,"endTime":3958.52,"body":"think before he was divorced,"},{"speaker":"Nick Lincoln","startTime":3958.52,"endTime":3960.68,"body":"actually, and it's very"},{"speaker":"Nick Lincoln","startTime":3958.52,"endTime":3960.68,"body":"interesting. And Jeff Bezos"},{"speaker":"Nick Lincoln","startTime":3960.68,"endTime":3962.9,"body":"says, we don't think in one or"},{"speaker":"Nick Lincoln","startTime":3960.68,"endTime":3962.9,"body":"two year plans, that's, that's,"},{"speaker":"Nick Lincoln","startTime":3962.9,"endTime":3965.2999999999997,"body":"that's nuts. We think in 20 year"},{"speaker":"Nick Lincoln","startTime":3962.9,"endTime":3965.2999999999997,"body":"plans, you know, we would. He,"},{"speaker":"Nick Lincoln","startTime":3965.2999999999997,"endTime":3967.7599999999998,"body":"he thinks so far down the line."},{"speaker":"Nick Lincoln","startTime":3965.2999999999997,"endTime":3967.7599999999998,"body":"And he and that's, that's one of"},{"speaker":"Nick Lincoln","startTime":3967.7599999999998,"endTime":3970.04,"body":"the reasons he hates all these"},{"speaker":"Nick Lincoln","startTime":3967.7599999999998,"endTime":3970.04,"body":"analysts who make short term"},{"speaker":"Nick Lincoln","startTime":3970.04,"endTime":3972.62,"body":"predictions around his business."},{"speaker":"Nick Lincoln","startTime":3970.04,"endTime":3972.62,"body":"He says, we just don't get the"},{"speaker":"Nick Lincoln","startTime":3972.62,"endTime":3975.14,"body":"big picture. He's a big pitch."},{"speaker":"Nick Lincoln","startTime":3972.62,"endTime":3975.14,"body":"And I'm not comparing myself to"},{"speaker":"Nick Lincoln","startTime":3975.14,"endTime":3977.7999999999997,"body":"Jeff Bezos. I mean, we've. Have"},{"speaker":"Nick Lincoln","startTime":3975.14,"endTime":3977.7999999999997,"body":"hair issues. That's about as far"},{"speaker":"Nick Lincoln","startTime":3977.7999999999997,"endTime":3982.0,"body":"as it goes. But I do. I do have"},{"speaker":"Nick Lincoln","startTime":3977.7999999999997,"endTime":3982.0,"body":"a long term goal, but I don't, I"},{"speaker":"Nick Lincoln","startTime":3982.0,"endTime":3986.92,"body":"don't chunk it down into into 12"},{"speaker":"Nick Lincoln","startTime":3982.0,"endTime":3986.92,"body":"months. On beautiful wise, you"},{"speaker":"Andy Hart","startTime":3988.0,"endTime":3990.3399999999997,"body":"both got beautiful"},{"speaker":"Andy Hart","startTime":3988.0,"endTime":3990.3399999999997,"body":"wives."},{"speaker":"Nick Lincoln","startTime":3991.0,"endTime":3992.8599999999997,"body":"Thank you very"},{"speaker":"Nick Lincoln","startTime":3991.0,"endTime":3992.8599999999997,"body":"well. I can't speak for his, but"},{"speaker":"Nick Lincoln","startTime":3992.8599999999997,"endTime":3997.74,"body":"I certainly do have a beautiful"},{"speaker":"Nick Lincoln","startTime":3992.8599999999997,"endTime":3997.74,"body":"wife. And between us four,"},{"speaker":"Nick Lincoln","startTime":3997.74,"endTime":4000.08,"body":"between us four, she'll be"},{"speaker":"Nick Lincoln","startTime":3997.74,"endTime":4000.08,"body":"seething because I've left her"},{"speaker":"Nick Lincoln","startTime":4000.14,"endTime":4002.66,"body":"she she wants"},{"speaker":"Alan Smith","startTime":4004.7,"endTime":4006.14,"body":"to see on holiday,"},{"speaker":"Alan Smith","startTime":4004.7,"endTime":4006.14,"body":"leaving her"},{"speaker":"Carl Widger","startTime":4006.14,"endTime":4008.2999999999997,"body":"alone. Told me,"},{"speaker":"Carl Widger","startTime":4006.14,"endTime":4008.2999999999997,"body":"before we went live, that you"},{"speaker":"Carl Widger","startTime":4008.2999999999997,"endTime":4011.42,"body":"were haven't been great company"},{"speaker":"Carl Widger","startTime":4008.2999999999997,"endTime":4011.42,"body":"on the holiday thus far, because"},{"speaker":"Carl Widger","startTime":4011.42,"endTime":4013.88,"body":"you've had your cold. So she's"},{"speaker":"Carl Widger","startTime":4011.42,"endTime":4013.88,"body":"obviously, this"},{"speaker":"Nick Lincoln","startTime":4014.06,"endTime":4015.56,"body":"is true. This is"},{"speaker":"Nick Lincoln","startTime":4014.06,"endTime":4015.56,"body":"true. What's the norm? The"},{"speaker":"Nick Lincoln","startTime":4015.56,"endTime":4018.16,"body":"normal, the normally famous"},{"speaker":"Nick Lincoln","startTime":4015.56,"endTime":4018.16,"body":"Lincoln, levels of patience"},{"speaker":"Nick Lincoln","startTime":4018.3399999999997,"endTime":4019.12,"body":"haven't quite been"},{"speaker":"Unknown","startTime":4022.06,"endTime":4022.9,"body":"I was gonna say that's"},{"speaker":"Nick Lincoln","startTime":4023.62,"endTime":4025.48,"body":"my view on this,"},{"speaker":"Nick Lincoln","startTime":4023.62,"endTime":4025.48,"body":"but I know Brett is very much on"},{"speaker":"Nick Lincoln","startTime":4025.48,"endTime":4027.94,"body":"this, and I'm not disagreeing"},{"speaker":"Nick Lincoln","startTime":4025.48,"endTime":4027.94,"body":"with them. I think for certain"},{"speaker":"Nick Lincoln","startTime":4027.94,"endTime":4030.58,"body":"business models, absolutely use"},{"speaker":"Nick Lincoln","startTime":4027.94,"endTime":4030.58,"body":"the summer months to recharge."},{"speaker":"Nick Lincoln","startTime":4030.58,"endTime":4032.92,"body":"Just think and then get back on"},{"speaker":"Nick Lincoln","startTime":4030.58,"endTime":4032.92,"body":"that horse. Get back on the"},{"speaker":"Nick Lincoln","startTime":4032.92,"endTime":4036.72,"body":"saddle and bloody. You know,"},{"speaker":"Nick Lincoln","startTime":4032.92,"endTime":4036.72,"body":"crack on. Yeah. You"},{"speaker":"Carl Widger","startTime":4036.72,"endTime":4038.22,"body":"should read the"},{"speaker":"Carl Widger","startTime":4036.72,"endTime":4038.22,"body":"email, though, because it does"},{"speaker":"Carl Widger","startTime":4038.22,"endTime":4041.16,"body":"say to take some time to step"},{"speaker":"Carl Widger","startTime":4038.22,"endTime":4041.16,"body":"back and decide what's"},{"speaker":"Carl Widger","startTime":4041.16,"endTime":4044.22,"body":"appropriate. And you know, like"},{"speaker":"Carl Widger","startTime":4041.16,"endTime":4044.22,"body":"the email goes into a lot more"},{"speaker":"Carl Widger","startTime":4044.22,"endTime":4048.54,"body":"detail than I've described, and"},{"speaker":"Carl Widger","startTime":4044.22,"endTime":4048.54,"body":"I've taken, you know, just a"},{"speaker":"Carl Widger","startTime":4048.54,"endTime":4050.7599999999998,"body":"little piece out of it, but"},{"speaker":"Carl Widger","startTime":4048.54,"endTime":4050.7599999999998,"body":"there's a, there's an awful lot"},{"speaker":"Carl Widger","startTime":4050.7599999999998,"endTime":4052.2,"body":"more in there as well. So I did"},{"speaker":"Carl Widger","startTime":4050.7599999999998,"endTime":4052.2,"body":"read"},{"speaker":"Nick Lincoln","startTime":4052.2,"endTime":4054.12,"body":"it. I mean, it's"},{"speaker":"Nick Lincoln","startTime":4052.2,"endTime":4054.12,"body":"very it's very punchy and bullet"},{"speaker":"Nick Lincoln","startTime":4054.12,"endTime":4056.6,"body":"point. And then there's a link"},{"speaker":"Nick Lincoln","startTime":4054.12,"endTime":4056.6,"body":"to Brett's sign up page in the"},{"speaker":"Nick Lincoln","startTime":4056.6,"endTime":4058.4,"body":"in the circle, show the so"},{"speaker":"Nick Lincoln","startTime":4056.6,"endTime":4058.4,"body":"called show notes, by the way,"},{"speaker":"Nick Lincoln","startTime":4058.4,"endTime":4060.5,"body":"dear Trappist. Just to let you"},{"speaker":"Nick Lincoln","startTime":4058.4,"endTime":4060.5,"body":"know, these are a thing of"},{"speaker":"Nick Lincoln","startTime":4060.8599999999997,"endTime":4063.14,"body":"beauty. You know, we don't put"},{"speaker":"Nick Lincoln","startTime":4060.8599999999997,"endTime":4063.14,"body":"the show notes in each episode"},{"speaker":"Nick Lincoln","startTime":4063.14,"endTime":4065.42,"body":"when it comes out, because"},{"speaker":"Nick Lincoln","startTime":4063.14,"endTime":4065.42,"body":"they're gone forever. But there"},{"speaker":"Nick Lincoln","startTime":4065.42,"endTime":4068.54,"body":"is a central resource of all the"},{"speaker":"Nick Lincoln","startTime":4065.42,"endTime":4068.54,"body":"episodes from, I don't know, a"},{"speaker":"Nick Lincoln","startTime":4068.54,"endTime":4070.94,"body":"couple of years ago now, and"},{"speaker":"Nick Lincoln","startTime":4068.54,"endTime":4070.94,"body":"every link is in there. And"},{"speaker":"Nick Lincoln","startTime":4070.94,"endTime":4073.2799999999997,"body":"we've had some advisors say this"},{"speaker":"Nick Lincoln","startTime":4070.94,"endTime":4073.2799999999997,"body":"thing's like a Bible to them,"},{"speaker":"Nick Lincoln","startTime":4073.2799999999997,"endTime":4076.04,"body":"because you can open up this"},{"speaker":"Nick Lincoln","startTime":4073.2799999999997,"endTime":4076.04,"body":"Google Doc or just Control F or"},{"speaker":"Nick Lincoln","startTime":4076.04,"endTime":4078.7599999999998,"body":"whatever it is in your Mac and"},{"speaker":"Nick Lincoln","startTime":4076.04,"endTime":4078.7599999999998,"body":"search for the phrase you want."},{"speaker":"Nick Lincoln","startTime":4078.7599999999998,"endTime":4082.18,"body":"So maybe it is Fnz. If you want"},{"speaker":"Nick Lincoln","startTime":4078.7599999999998,"endTime":4082.18,"body":"to hear horror stories about Fn,"},{"speaker":"Nick Lincoln","startTime":4082.18,"endTime":4084.58,"body":"you'll find every link that"},{"speaker":"Nick Lincoln","startTime":4082.18,"endTime":4084.58,"body":"we've ever talked about Fnz in"},{"speaker":"Nick Lincoln","startTime":4084.58,"endTime":4086.7999999999997,"body":"those show notes. So it's a"},{"speaker":"Nick Lincoln","startTime":4084.58,"endTime":4086.7999999999997,"body":"resource both worth leaning on,"},{"speaker":"Nick Lincoln","startTime":4087.16,"endTime":4089.68,"body":"and if your compliance person"},{"speaker":"Nick Lincoln","startTime":4087.16,"endTime":4089.68,"body":"asks Yes, it is totally"},{"speaker":"Nick Lincoln","startTime":4089.68,"endTime":4093.46,"body":"structured. CPD smithy, let's do"},{"speaker":"Nick Lincoln","startTime":4089.68,"endTime":4093.46,"body":"you and then we'll close up on"},{"speaker":"Nick Lincoln","startTime":4093.46,"endTime":4095.92,"body":"this with Ultra. So we'll go"},{"speaker":"Nick Lincoln","startTime":4093.46,"endTime":4095.92,"body":"from a big, a big, big boy,"},{"speaker":"Andy Hart","startTime":4097.54,"endTime":4099.84,"body":"a little boy thing I"},{"speaker":"Andy Hart","startTime":4097.54,"endTime":4099.84,"body":"did, put my hand up. But that's"},{"speaker":"Andy Hart","startTime":4099.84,"endTime":4100.14,"body":"fine. Do"},{"speaker":"Unknown","startTime":4101.16,"endTime":4104.88,"body":"you want to go hand"},{"speaker":"Unknown","startTime":4101.16,"endTime":4104.88,"body":"down? You"},{"speaker":"Alan Smith","startTime":4105.9000000000005,"endTime":4107.88,"body":"don't talk. You put"},{"speaker":"Andy Hart","startTime":4109.74,"endTime":4114.06,"body":"it down. Completely"},{"speaker":"Andy Hart","startTime":4109.74,"endTime":4114.06,"body":"pointless. I actually forgot"},{"speaker":"Andy Hart","startTime":4114.06,"endTime":4116.16,"body":"about it until this little hand"},{"speaker":"Andy Hart","startTime":4114.06,"endTime":4116.16,"body":"go up."},{"speaker":"Alan Smith","startTime":4117.059,"endTime":4120.1990000000005,"body":"No one see. We're"},{"speaker":"Alan Smith","startTime":4117.059,"endTime":4120.1990000000005,"body":"the only ones that see the hands"},{"speaker":"Alan Smith","startTime":4120.379,"endTime":4121.159000000001,"body":"Nick on YouTube"},{"speaker":"Andy Hart","startTime":4121.159000000001,"endTime":4124.639,"body":"or anything. So I put"},{"speaker":"Andy Hart","startTime":4121.159000000001,"endTime":4124.639,"body":"my hand up, and then, anyway, I"},{"speaker":"Alan Smith","startTime":4124.88,"endTime":4127.88,"body":"didn't say this is"},{"speaker":"Alan Smith","startTime":4124.88,"endTime":4127.88,"body":"on YouTube. Yeah, okay, oh my"},{"speaker":"Alan Smith","startTime":4127.88,"endTime":4129.92,"body":"god. So how was that? Are you"},{"speaker":"Alan Smith","startTime":4127.88,"endTime":4129.92,"body":"going Ultra?"},{"speaker":"Nick Lincoln","startTime":4130.039,"endTime":4132.079,"body":"You know, my"},{"speaker":"Nick Lincoln","startTime":4130.039,"endTime":4132.079,"body":"patients are wearing thin, and"},{"speaker":"Nick Lincoln","startTime":4132.1990000000005,"endTime":4133.099,"body":"now you're making just"},{"speaker":"Andy Hart","startTime":4133.7,"endTime":4136.28,"body":"let me keep it brief,"},{"speaker":"Andy Hart","startTime":4133.7,"endTime":4136.28,"body":"okay, so, yeah, soon as Carl"},{"speaker":"Andy Hart","startTime":4136.76,"endTime":4141.1,"body":"away most of August with my"},{"speaker":"Andy Hart","startTime":4136.76,"endTime":4141.1,"body":"family, with my girlfriend, with"},{"speaker":"Andy Hart","startTime":4141.1,"endTime":4144.76,"body":"my kids. Spent two weeks in"},{"speaker":"Andy Hart","startTime":4141.1,"endTime":4144.76,"body":"Spain with about eight kids, and"},{"speaker":"Andy Hart","startTime":4144.76,"endTime":4147.88,"body":"got back last Friday. So I'm"},{"speaker":"Andy Hart","startTime":4144.76,"endTime":4147.88,"body":"just about recovered, but it was"},{"speaker":"Andy Hart","startTime":4147.88,"endTime":4150.7,"body":"a fun and games. I think we're"},{"speaker":"Andy Hart","startTime":4147.88,"endTime":4150.7,"body":"quite you have your humble brag"},{"speaker":"Andy Hart","startTime":4150.76,"endTime":4153.52,"body":"out of office on. I actually"},{"speaker":"Andy Hart","startTime":4150.76,"endTime":4153.52,"body":"have the only time of the year I"},{"speaker":"Andy Hart","startTime":4153.52,"endTime":4157.4400000000005,"body":"have my my, oh, on is in is in"},{"speaker":"Andy Hart","startTime":4153.52,"endTime":4157.4400000000005,"body":"August?"},{"speaker":"Alan Smith","startTime":4158.7,"endTime":4161.28,"body":"Does it say I'm"},{"speaker":"Alan Smith","startTime":4158.7,"endTime":4161.28,"body":"spending time with my family?"},{"speaker":"Carl Widger","startTime":4162.36,"endTime":4164.64,"body":"I got it. I said"},{"speaker":"Carl Widger","startTime":4162.36,"endTime":4164.64,"body":"the video. I got it. It said,"},{"speaker":"Carl Widger","startTime":4164.64,"endTime":4169.8,"body":"uh, I'm I'm away most of August."},{"speaker":"Carl Widger","startTime":4164.64,"endTime":4169.8,"body":"If you have my mobile number,"},{"speaker":"Carl Widger","startTime":4169.8,"endTime":4173.58,"body":"you can contact me only the the"},{"speaker":"Carl Widger","startTime":4169.8,"endTime":4173.58,"body":"inference being,"},{"speaker":"Alan Smith","startTime":4175.92,"endTime":4179.12,"body":"see you in"},{"speaker":"Alan Smith","startTime":4175.92,"endTime":4179.12,"body":"September? Yeah, no, it's not a"},{"speaker":"Alan Smith","startTime":4179.12,"endTime":4180.62,"body":"humble brag. We've seen"},{"speaker":"Andy Hart","startTime":4180.619,"endTime":4182.539,"body":"a few of them, but"},{"speaker":"Andy Hart","startTime":4180.619,"endTime":4182.539,"body":"they're becoming less and less"},{"speaker":"Andy Hart","startTime":4182.539,"endTime":4186.799,"body":"these days. The humble there's"},{"speaker":"Andy Hart","startTime":4182.539,"endTime":4186.799,"body":"still a few out there. We're"},{"speaker":"Andy Hart","startTime":4186.799,"endTime":4190.099,"body":"very fortunate, or I'm very"},{"speaker":"Andy Hart","startTime":4186.799,"endTime":4190.099,"body":"fortunate. I run my own business"},{"speaker":"Andy Hart","startTime":4190.339,"endTime":4194.539,"body":"in this business of ours. August"},{"speaker":"Andy Hart","startTime":4190.339,"endTime":4194.539,"body":"is very quiet. People are away,"},{"speaker":"Andy Hart","startTime":4194.539,"endTime":4197.619,"body":"but, you know, businesses still"},{"speaker":"Andy Hart","startTime":4194.539,"endTime":4197.619,"body":"go on. And also December, I've"},{"speaker":"Andy Hart","startTime":4197.619,"endTime":4200.499,"body":"also found very quiet. So I"},{"speaker":"Andy Hart","startTime":4197.619,"endTime":4200.499,"body":"generally block out the whole of"},{"speaker":"Andy Hart","startTime":4200.499,"endTime":4203.8589999999995,"body":"August, and I block out December"},{"speaker":"Andy Hart","startTime":4200.499,"endTime":4203.8589999999995,"body":"from sort of December the 15th"},{"speaker":"Andy Hart","startTime":4204.519,"endTime":4207.039,"body":"onwards. So that's all good. I"},{"speaker":"Andy Hart","startTime":4204.519,"endTime":4207.039,"body":"have all the money planning"},{"speaker":"Andy Hart","startTime":4207.039,"endTime":4209.199,"body":"meetings early on in the year,"},{"speaker":"Andy Hart","startTime":4207.039,"endTime":4209.199,"body":"February and March on. The"},{"speaker":"Andy Hart","startTime":4209.199,"endTime":4211.7789999999995,"body":"financial planning business for"},{"speaker":"Andy Hart","startTime":4209.199,"endTime":4211.7789999999995,"body":"me, September starts with an"},{"speaker":"Andy Hart","startTime":4211.7789999999995,"endTime":4217.019,"body":"absolute bang. So I'm flying off"},{"speaker":"Andy Hart","startTime":4211.7789999999995,"endTime":4217.019,"body":"to South Africa for humans under"},{"speaker":"Andy Hart","startTime":4217.019,"endTime":4219.899,"body":"management Cape Town, and I'm"},{"speaker":"Andy Hart","startTime":4217.019,"endTime":4219.899,"body":"also working very hard for"},{"speaker":"Andy Hart","startTime":4219.899,"endTime":4223.3189999999995,"body":"humans under management London"},{"speaker":"Andy Hart","startTime":4219.899,"endTime":4223.3189999999995,"body":"in November. So my second half"},{"speaker":"Andy Hart","startTime":4223.3189999999995,"endTime":4228.479,"body":"the year really explodes. I also"},{"speaker":"Andy Hart","startTime":4223.3189999999995,"endTime":4228.479,"body":"have servicing issues with or"},{"speaker":"Andy Hart","startTime":4228.479,"endTime":4231.7789999999995,"body":"sorry, servicing requirements"},{"speaker":"Andy Hart","startTime":4228.479,"endTime":4231.7789999999995,"body":"with my existing clients, but"},{"speaker":"Andy Hart","startTime":4231.7789999999995,"endTime":4235.379,"body":"I'm not heavy on new client work"},{"speaker":"Andy Hart","startTime":4231.7789999999995,"endTime":4235.379,"body":"and annual planning meetings in"},{"speaker":"Andy Hart","startTime":4235.379,"endTime":4239.899,"body":"the second half of the year."},{"speaker":"Andy Hart","startTime":4235.379,"endTime":4239.899,"body":"Yeah. So I think it's good that"},{"speaker":"Andy Hart","startTime":4239.899,"endTime":4243.199,"body":"Brett's made us all be a bit"},{"speaker":"Andy Hart","startTime":4239.899,"endTime":4243.199,"body":"more intentional with it. We all"},{"speaker":"Andy Hart","startTime":4243.199,"endTime":4245.899,"body":"do calm down in August,"},{"speaker":"Andy Hart","startTime":4243.199,"endTime":4245.899,"body":"generally, most financial"},{"speaker":"Andy Hart","startTime":4245.899,"endTime":4249.679,"body":"advisors and then ideally, hit"},{"speaker":"Andy Hart","startTime":4245.899,"endTime":4249.679,"body":"the ground running in September."},{"speaker":"Andy Hart","startTime":4250.2789999999995,"endTime":4254.3589999999995,"body":"And I think in the email, he"},{"speaker":"Andy Hart","startTime":4250.2789999999995,"endTime":4254.3589999999995,"body":"mentioned that September is an"},{"speaker":"Andy Hart","startTime":4254.7789999999995,"endTime":4258.639,"body":"equivalent of another January."},{"speaker":"Andy Hart","startTime":4254.7789999999995,"endTime":4258.639,"body":"We all will start January hard."},{"speaker":"Andy Hart","startTime":4258.8189999999995,"endTime":4262.539,"body":"We should. We should think of it"},{"speaker":"Andy Hart","startTime":4258.8189999999995,"endTime":4262.539,"body":"in, you know, two parts, hit"},{"speaker":"Andy Hart","startTime":4262.539,"endTime":4265.659,"body":"January hard and then hit"},{"speaker":"Andy Hart","startTime":4262.539,"endTime":4265.659,"body":"September hard. Let's say I"},{"speaker":"Andy Hart","startTime":4265.659,"endTime":4269.139,"body":"think I've been doing that"},{"speaker":"Andy Hart","startTime":4265.659,"endTime":4269.139,"body":"anyway. Um, again, my year is"},{"speaker":"Andy Hart","startTime":4269.139,"endTime":4271.899,"body":"quite predictable. I wake up on"},{"speaker":"Andy Hart","startTime":4269.139,"endTime":4271.899,"body":"the first of January, and I've"},{"speaker":"Andy Hart","startTime":4271.899,"endTime":4274.299,"body":"pretty got, pretty much got, a"},{"speaker":"Andy Hart","startTime":4271.899,"endTime":4274.299,"body":"good idea of everything that's"},{"speaker":"Andy Hart","startTime":4274.299,"endTime":4278.639,"body":"required within that year for."},{"speaker":"Andy Hart","startTime":4274.299,"endTime":4278.639,"body":"That's just the businesses that"},{"speaker":"Andy Hart","startTime":4278.639,"endTime":4282.059,"body":"I run and the dates that I have"},{"speaker":"Andy Hart","startTime":4278.639,"endTime":4282.059,"body":"in the diary. Nick, yeah. Nick,"},{"speaker":"Andy Hart","startTime":4282.239,"endTime":4285.659,"body":"well, it's good you don't press"},{"speaker":"Andy Hart","startTime":4282.239,"endTime":4285.659,"body":"the bar. Alan, over to you."},{"speaker":"Alan Smith","startTime":4285.84,"endTime":4288.9,"body":"Yeah, I wake up in"},{"speaker":"Alan Smith","startTime":4285.84,"endTime":4288.9,"body":"January and I know everything,"},{"speaker":"Alan Smith","startTime":4289.08,"endTime":4289.62,"body":"everything"},{"speaker":"Andy Hart","startTime":4289.86,"endTime":4293.5199999999995,"body":"I know how my years"},{"speaker":"Andy Hart","startTime":4289.86,"endTime":4293.5199999999995,"body":"scheduled out. Nick,"},{"speaker":"Alan Smith","startTime":4293.64,"endTime":4295.86,"body":"yeah, not always go"},{"speaker":"Alan Smith","startTime":4293.64,"endTime":4295.86,"body":"for always."},{"speaker":"Unknown","startTime":4298.2,"endTime":4303.38,"body":"Andy, the ultra club of"},{"speaker":"Unknown","startTime":4298.2,"endTime":4303.38,"body":"Darren Andy. He knows about"},{"speaker":"Unknown","startTime":4303.38,"endTime":4309.26,"body":"everything. Andy can't be told"},{"speaker":"Unknown","startTime":4303.38,"endTime":4309.26,"body":"anything. His name is Andrew"},{"speaker":"Unknown","startTime":4309.26,"endTime":4311.3,"body":"Hart. Andrew Hart,"},{"speaker":"Unknown","startTime":4314.3,"endTime":4315.68,"body":"oh, painful. Alan,"},{"speaker":"Alan Smith","startTime":4316.7,"endTime":4319.42,"body":"very good. As we've"},{"speaker":"Alan Smith","startTime":4316.7,"endTime":4319.42,"body":"said before, Brett Davidson is"},{"speaker":"Alan Smith","startTime":4319.42,"endTime":4323.68,"body":"very clear that he's deep in his"},{"speaker":"Alan Smith","startTime":4319.42,"endTime":4323.68,"body":"niche sector, because he does"},{"speaker":"Alan Smith","startTime":4323.68,"endTime":4326.38,"body":"write things that all of us just"},{"speaker":"Alan Smith","startTime":4323.68,"endTime":4326.38,"body":"kind of quietly nod and go,"},{"speaker":"Alan Smith","startTime":4326.38,"endTime":4330.0999999999995,"body":"Yeah, got it. That's, that's a"},{"speaker":"Alan Smith","startTime":4326.38,"endTime":4330.0999999999995,"body":"good you know, it's, it's often"},{"speaker":"Alan Smith","startTime":4330.0999999999995,"endTime":4332.32,"body":"not something that's brand new,"},{"speaker":"Alan Smith","startTime":4330.0999999999995,"endTime":4332.32,"body":"you never thought about, but"},{"speaker":"Alan Smith","startTime":4332.32,"endTime":4335.5,"body":"it's really timely reminders I"},{"speaker":"Alan Smith","startTime":4332.32,"endTime":4335.5,"body":"had I hadn't read that. Thanks"},{"speaker":"Alan Smith","startTime":4335.5,"endTime":4339.9,"body":"for sending it around. I will"},{"speaker":"Alan Smith","startTime":4335.5,"endTime":4339.9,"body":"read it. The concept makes a ton"},{"speaker":"Alan Smith","startTime":4339.9,"endTime":4343.44,"body":"of sense. We are, it's very"},{"speaker":"Alan Smith","startTime":4339.9,"endTime":4343.44,"body":"interesting, being in the sort"},{"speaker":"Alan Smith","startTime":4343.44,"endTime":4346.74,"body":"of business that we are with a"},{"speaker":"Alan Smith","startTime":4343.44,"endTime":4346.74,"body":"kind of structured, recurring"},{"speaker":"Alan Smith","startTime":4346.74,"endTime":4349.14,"body":"revenue model, you can, with a"},{"speaker":"Alan Smith","startTime":4346.74,"endTime":4349.14,"body":"reasonable level of"},{"speaker":"Alan Smith","startTime":4349.14,"endTime":4352.26,"body":"predictability, predict your"},{"speaker":"Alan Smith","startTime":4349.14,"endTime":4352.26,"body":"revenue in January or pretty"},{"speaker":"Alan Smith","startTime":4352.26,"endTime":4356.04,"body":"much every year. Tend not to"},{"speaker":"Alan Smith","startTime":4352.26,"endTime":4356.04,"body":"lose too many clients. Tend to"},{"speaker":"Alan Smith","startTime":4356.04,"endTime":4359.72,"body":"grow a bit every year, so it's"},{"speaker":"Alan Smith","startTime":4356.04,"endTime":4359.72,"body":"predictable, and therefore,"},{"speaker":"Alan Smith","startTime":4360.8,"endTime":4365.66,"body":"yeah, at least and then. But it"},{"speaker":"Alan Smith","startTime":4360.8,"endTime":4365.66,"body":"can be easy to kind of take your"},{"speaker":"Alan Smith","startTime":4365.66,"endTime":4369.2,"body":"eye off the ball and just kind"},{"speaker":"Alan Smith","startTime":4365.66,"endTime":4369.2,"body":"of drift a bit, because, you"},{"speaker":"Alan Smith","startTime":4369.2,"endTime":4372.2,"body":"know, you show up, you meet"},{"speaker":"Alan Smith","startTime":4369.2,"endTime":4372.2,"body":"clients, and life goes on. So it"},{"speaker":"Alan Smith","startTime":4372.2,"endTime":4376.16,"body":"takes a level of intentionality,"},{"speaker":"Alan Smith","startTime":4372.2,"endTime":4376.16,"body":"assuming that growth is part of"},{"speaker":"Alan Smith","startTime":4376.16,"endTime":4378.34,"body":"your ambition. And I don't know"},{"speaker":"Alan Smith","startTime":4376.16,"endTime":4378.34,"body":"any businesses that"},{"speaker":"Alan Smith","startTime":4378.7,"endTime":4381.4,"body":"intentionally want to stay the"},{"speaker":"Alan Smith","startTime":4378.7,"endTime":4381.4,"body":"same or shrink. So everyone"},{"speaker":"Alan Smith","startTime":4381.4,"endTime":4384.34,"body":"should be talking about growth,"},{"speaker":"Alan Smith","startTime":4381.4,"endTime":4384.34,"body":"but growth does take"},{"speaker":"Alan Smith","startTime":4384.82,"endTime":4388.24,"body":"intentionality and execution."},{"speaker":"Alan Smith","startTime":4384.82,"endTime":4388.24,"body":"You can't just talk about it."},{"speaker":"Alan Smith","startTime":4388.24,"endTime":4392.0199999999995,"body":"You got to do certain things."},{"speaker":"Alan Smith","startTime":4388.24,"endTime":4392.0199999999995,"body":"And it's quite timely for us."},{"speaker":"Alan Smith","startTime":4392.0199999999995,"endTime":4396.48,"body":"Like all of you guys, I've spent"},{"speaker":"Alan Smith","startTime":4392.0199999999995,"endTime":4396.48,"body":"quite a lot of time off over the"},{"speaker":"Alan Smith","startTime":4396.48,"endTime":4400.08,"body":"summer, and really did chill"},{"speaker":"Alan Smith","startTime":4396.48,"endTime":4400.08,"body":"out. I find it quite difficult."},{"speaker":"Alan Smith","startTime":4400.08,"endTime":4402.54,"body":"You know, we talked in the past"},{"speaker":"Alan Smith","startTime":4400.08,"endTime":4402.54,"body":"about kind of blending. Do you"},{"speaker":"Alan Smith","startTime":4402.54,"endTime":4404.76,"body":"sort of keep in touch with the"},{"speaker":"Alan Smith","startTime":4402.54,"endTime":4404.76,"body":"office? Do you keep up with your"},{"speaker":"Alan Smith","startTime":4404.76,"endTime":4407.34,"body":"emails, what have you? And I"},{"speaker":"Alan Smith","startTime":4404.76,"endTime":4407.34,"body":"tend not to nowadays, let the"},{"speaker":"Alan Smith","startTime":4407.34,"endTime":4412.44,"body":"whole thing go and sort of just"},{"speaker":"Alan Smith","startTime":4407.34,"endTime":4412.44,"body":"chill out. But we're now, at the"},{"speaker":"Alan Smith","startTime":4412.44,"endTime":4416.46,"body":"end of August. We're now sort of"},{"speaker":"Alan Smith","startTime":4412.44,"endTime":4416.46,"body":"back and getting in amongst it."},{"speaker":"Alan Smith","startTime":4416.46,"endTime":4419.36,"body":"And so we have looking back on"},{"speaker":"Alan Smith","startTime":4416.46,"endTime":4419.36,"body":"it. In our in my business, we"},{"speaker":"Alan Smith","startTime":4419.5999999999995,"endTime":4422.18,"body":"spent quite a lot of time this"},{"speaker":"Alan Smith","startTime":4419.5999999999995,"endTime":4422.18,"body":"year, early part of this year,"},{"speaker":"Alan Smith","startTime":4422.18,"endTime":4424.5199999999995,"body":"you know, I've talked about the"},{"speaker":"Alan Smith","startTime":4422.18,"endTime":4424.5199999999995,"body":"tech stack and a bunch of other"},{"speaker":"Alan Smith","startTime":4424.5199999999995,"endTime":4428.48,"body":"things, and kind of operational,"},{"speaker":"Alan Smith","startTime":4424.5199999999995,"endTime":4428.48,"body":"operational excellence. And"},{"speaker":"Alan Smith","startTime":4428.48,"endTime":4431.66,"body":"we've is, it's easy to say,"},{"speaker":"Alan Smith","startTime":4428.48,"endTime":4431.66,"body":"quite hard to do. And you've got"},{"speaker":"Alan Smith","startTime":4431.66,"endTime":4435.38,"body":"people and structures and"},{"speaker":"Alan Smith","startTime":4431.66,"endTime":4435.38,"body":"processes and a bit of, a bit of"},{"speaker":"Alan Smith","startTime":4435.38,"endTime":4441.34,"body":"a sort of rearrangement. And we"},{"speaker":"Alan Smith","startTime":4435.38,"endTime":4441.34,"body":"have, we've kind of re energized"},{"speaker":"Alan Smith","startTime":4441.34,"endTime":4444.28,"body":"the plumbing in the business,"},{"speaker":"Alan Smith","startTime":4441.34,"endTime":4444.28,"body":"the operational structure, with"},{"speaker":"Alan Smith","startTime":4444.4,"endTime":4448.24,"body":"with the intention of our number"},{"speaker":"Alan Smith","startTime":4444.4,"endTime":4448.24,"body":"one ambition is growth. So we've"},{"speaker":"Alan Smith","startTime":4448.24,"endTime":4451.24,"body":"just had an off site, a team off"},{"speaker":"Alan Smith","startTime":4448.24,"endTime":4451.24,"body":"site. We went and, by the way,"},{"speaker":"Alan Smith","startTime":4452.14,"endTime":4457.62,"body":"you should, we should go to this"},{"speaker":"Alan Smith","startTime":4452.14,"endTime":4457.62,"body":"we went away to a winery, a"},{"speaker":"Alan Smith","startTime":4457.62,"endTime":4461.58,"body":"vineyard, winery in England, a"},{"speaker":"Alan Smith","startTime":4457.62,"endTime":4461.58,"body":"place called Balfour wine"},{"speaker":"Alan Smith","startTime":4461.58,"endTime":4464.88,"body":"estate. And it was brilliant."},{"speaker":"Alan Smith","startTime":4461.58,"endTime":4464.88,"body":"Did it went there last week,"},{"speaker":"Alan Smith","startTime":4464.94,"endTime":4467.0999999999995,"body":"whole day there, you know, we"},{"speaker":"Alan Smith","startTime":4464.94,"endTime":4467.0999999999995,"body":"had a team meeting there."},{"speaker":"Alan Smith","startTime":4467.0999999999995,"endTime":4469.38,"body":"They've got all facilities set"},{"speaker":"Alan Smith","startTime":4467.0999999999995,"endTime":4469.38,"body":"up just about an hour out of"},{"speaker":"Alan Smith","startTime":4469.38,"endTime":4472.98,"body":"London, just near Tunbridge"},{"speaker":"Alan Smith","startTime":4469.38,"endTime":4472.98,"body":"Wells. And a beautiful, sunny"},{"speaker":"Alan Smith","startTime":4472.98,"endTime":4477.68,"body":"day, had our meeting agreed our"},{"speaker":"Alan Smith","startTime":4472.98,"endTime":4477.68,"body":"our plans, and who was going to"},{"speaker":"Alan Smith","startTime":4477.68,"endTime":4480.0199999999995,"body":"do what between now and the end"},{"speaker":"Alan Smith","startTime":4477.68,"endTime":4480.0199999999995,"body":"of the year, with the ambition"},{"speaker":"Alan Smith","startTime":4480.0199999999995,"endTime":4483.92,"body":"being about continued growth."},{"speaker":"Alan Smith","startTime":4480.0199999999995,"endTime":4483.92,"body":"And then we had a nice, long"},{"speaker":"Alan Smith","startTime":4483.92,"endTime":4486.98,"body":"lunch and enjoyed all the"},{"speaker":"Alan Smith","startTime":4483.92,"endTime":4486.98,"body":"various wine tasting so that was"},{"speaker":"Alan Smith","startTime":4486.98,"endTime":4490.4,"body":"good, good place to do. But the"},{"speaker":"Alan Smith","startTime":4486.98,"endTime":4490.4,"body":"point of the story here is that,"},{"speaker":"Alan Smith","startTime":4490.46,"endTime":4493.0999999999995,"body":"you know, Brett's right, and"},{"speaker":"Alan Smith","startTime":4490.46,"endTime":4493.0999999999995,"body":"we're all right. We have, we my"},{"speaker":"Alan Smith","startTime":4493.0999999999995,"endTime":4496.3,"body":"firm. We've done a reset. We've"},{"speaker":"Alan Smith","startTime":4493.0999999999995,"endTime":4496.3,"body":"done it literally last week, and"},{"speaker":"Alan Smith","startTime":4496.3,"endTime":4499.9,"body":"we are like coiled springs"},{"speaker":"Alan Smith","startTime":4496.3,"endTime":4499.9,"body":"waiting for the rest of the year"},{"speaker":"Alan Smith","startTime":4499.9,"endTime":4503.74,"body":"because we built the building"},{"speaker":"Alan Smith","startTime":4499.9,"endTime":4503.74,"body":"blocks. They are in place, and"},{"speaker":"Alan Smith","startTime":4503.74,"endTime":4508.54,"body":"it's now just up to us to"},{"speaker":"Alan Smith","startTime":4503.74,"endTime":4508.54,"body":"execute. So, yeah, I think it"},{"speaker":"Alan Smith","startTime":4508.54,"endTime":4509.5599999999995,"body":"makes perfect sense."},{"speaker":"Nick Lincoln","startTime":4510.4,"endTime":4512.5,"body":"Okay, all right,"},{"speaker":"Nick Lincoln","startTime":4510.4,"endTime":4512.5,"body":"I'm, I'm conscious of time, and"},{"speaker":"Nick Lincoln","startTime":4512.5,"endTime":4515.26,"body":"he's 75 minutes in. I think"},{"speaker":"Nick Lincoln","startTime":4512.5,"endTime":4515.26,"body":"we're giving them. We happy with"},{"speaker":"Nick Lincoln","startTime":4515.26,"endTime":4517.66,"body":"that meaty potatoes. It's about"},{"speaker":"Nick Lincoln","startTime":4515.26,"endTime":4517.66,"body":"as good as it get. Kind of,"},{"speaker":"Nick Lincoln","startTime":4517.66,"endTime":4519.96,"body":"yeah, it's good enough for"},{"speaker":"Nick Lincoln","startTime":4517.66,"endTime":4519.96,"body":"August. Okay, cool. It's a"},{"speaker":"Carl Widger","startTime":4521.82,"endTime":4524.5199999999995,"body":"bit weak, but it's"},{"speaker":"Carl Widger","startTime":4521.82,"endTime":4524.5199999999995,"body":"summer. It's summer"},{"speaker":"Nick Lincoln","startTime":4525.96,"endTime":4527.64,"body":"TRAPPIST, when"},{"speaker":"Nick Lincoln","startTime":4525.96,"endTime":4527.64,"body":"we're knocking this stuff out"},{"speaker":"Nick Lincoln","startTime":4527.64,"endTime":4530.34,"body":"for other podcast. I don't know"},{"speaker":"Nick Lincoln","startTime":4527.64,"endTime":4530.34,"body":"about you, but the podcast on my"},{"speaker":"Nick Lincoln","startTime":4530.34,"endTime":4532.86,"body":"phone are pretty much dried up."},{"speaker":"Nick Lincoln","startTime":4530.34,"endTime":4532.86,"body":"There are the repeat episodes or"},{"speaker":"Nick Lincoln","startTime":4532.86,"endTime":4533.58,"body":"Greatest Hits,"},{"speaker":"Alan Smith","startTime":4533.58,"endTime":4535.5,"body":"yeah? Breaks, we"},{"speaker":"Alan Smith","startTime":4533.58,"endTime":4535.5,"body":"don't take a"},{"speaker":"Andy Hart","startTime":4535.5,"endTime":4537.8,"body":"race. We'll just,"},{"speaker":"Andy Hart","startTime":4535.5,"endTime":4537.8,"body":"we'll just have a chat riff,"},{"speaker":"Andy Hart","startTime":4537.86,"endTime":4539.0599999999995,"body":"yes, schedule,"},{"speaker":"Nick Lincoln","startTime":4539.96,"endTime":4542.36,"body":"yes, please. We'll"},{"speaker":"Nick Lincoln","startTime":4539.96,"endTime":4542.36,"body":"all have out of offices and just"},{"speaker":"Nick Lincoln","startTime":4542.36,"endTime":4544.58,"body":"not speak to other for a whole"},{"speaker":"Nick Lincoln","startTime":4542.36,"endTime":4544.58,"body":"month. It'd be bloody"},{"speaker":"Carl Widger","startTime":4544.58,"endTime":4547.0999999999995,"body":"Jewish. Maybe have"},{"speaker":"Carl Widger","startTime":4544.58,"endTime":4547.0999999999995,"body":"a junior trap or something like"},{"speaker":"Carl Widger","startTime":4547.0999999999995,"endTime":4549.8,"body":"that. Have a couple of kids on"},{"speaker":"Carl Widger","startTime":4547.0999999999995,"endTime":4549.8,"body":"or something. Anyway,"},{"speaker":"Nick Lincoln","startTime":4551.42,"endTime":4554.48,"body":"okay, even, even"},{"speaker":"Nick Lincoln","startTime":4551.42,"endTime":4554.48,"body":"in Spain, post is tracking me"},{"speaker":"Nick Lincoln","startTime":4554.48,"endTime":4557.92,"body":"down, and she's got the hotel"},{"speaker":"Nick Lincoln","startTime":4554.48,"endTime":4557.92,"body":"room door now at room tiento"},{"speaker":"Nick Lincoln","startTime":4557.98,"endTime":4562.66,"body":"Alcor 108, for you peasants, but"},{"speaker":"Nick Lincoln","startTime":4557.98,"endTime":4562.66,"body":"her sack is not her sack is dry."},{"speaker":"Nick Lincoln","startTime":4562.66,"endTime":4564.7,"body":"It looks like someone has"},{"speaker":"Nick Lincoln","startTime":4562.66,"endTime":4564.7,"body":"emptied the sack. There's"},{"speaker":"Nick Lincoln","startTime":4564.7,"endTime":4567.4,"body":"nothing in the sack. Ah, well,"},{"speaker":"Nick Lincoln","startTime":4564.7,"endTime":4567.4,"body":"this is interesting. So this"},{"speaker":"Nick Lincoln","startTime":4567.4,"endTime":4569.74,"body":"might be a time for a bit of"},{"speaker":"Nick Lincoln","startTime":4567.4,"endTime":4569.74,"body":"introspection. We have a"},{"speaker":"Nick Lincoln","startTime":4569.74,"endTime":4572.08,"body":"reputation the Track Pack. We"},{"speaker":"Nick Lincoln","startTime":4569.74,"endTime":4572.08,"body":"have a reputation of being"},{"speaker":"Nick Lincoln","startTime":4572.08,"endTime":4574.5999999999995,"body":"outspoken, for speaking our"},{"speaker":"Nick Lincoln","startTime":4572.08,"endTime":4574.5999999999995,"body":"minds, and we shoot a bit from"},{"speaker":"Nick Lincoln","startTime":4574.5999999999995,"endTime":4577.08,"body":"the hips. Sometimes we don't"},{"speaker":"Nick Lincoln","startTime":4574.5999999999995,"endTime":4577.08,"body":"see. Seek offense. We really"},{"speaker":"Nick Lincoln","startTime":4577.08,"endTime":4580.2,"body":"don't seek offense. We don't"},{"speaker":"Nick Lincoln","startTime":4577.08,"endTime":4580.2,"body":"look to piss people off, but"},{"speaker":"Nick Lincoln","startTime":4580.2,"endTime":4582.78,"body":"it's a live, recorded show."},{"speaker":"Nick Lincoln","startTime":4580.2,"endTime":4582.78,"body":"We've done 17 episodes. We're"},{"speaker":"Nick Lincoln","startTime":4582.78,"endTime":4585.24,"body":"all quite punchy, we're all"},{"speaker":"Nick Lincoln","startTime":4582.78,"endTime":4585.24,"body":"quite egotistical, and sometimes"},{"speaker":"Nick Lincoln","startTime":4585.24,"endTime":4588.42,"body":"we say things that don't quite"},{"speaker":"Nick Lincoln","startTime":4585.24,"endTime":4588.42,"body":"land, perhaps the way we do, and"},{"speaker":"Nick Lincoln","startTime":4588.42,"endTime":4591.54,"body":"it's a little not a mea culpa,"},{"speaker":"Nick Lincoln","startTime":4588.42,"endTime":4591.54,"body":"but what is probably the most"},{"speaker":"Nick Lincoln","startTime":4591.9,"endTime":4596.84,"body":"conscious of all of us of not"},{"speaker":"Nick Lincoln","startTime":4591.9,"endTime":4596.84,"body":"offending people, which is a low"},{"speaker":"Nick Lincoln","startTime":4596.84,"endTime":4601.04,"body":"bar. Well, don't as a metal Tell"},{"speaker":"Nick Lincoln","startTime":4596.84,"endTime":4601.04,"body":"us. Tell us your story for this"},{"speaker":"Nick Lincoln","startTime":4601.04,"endTime":4601.46,"body":"episode."},{"speaker":"Carl Widger","startTime":4602.18,"endTime":4608.66,"body":"Yeah. So, so I got"},{"speaker":"Carl Widger","startTime":4602.18,"endTime":4608.66,"body":"an email last week, I think,"},{"speaker":"Carl Widger","startTime":4608.72,"endTime":4613.0999999999995,"body":"from John O'Driscoll, who I know"},{"speaker":"Carl Widger","startTime":4608.72,"endTime":4613.0999999999995,"body":"of, but I actually haven't, I"},{"speaker":"Carl Widger","startTime":4613.0999999999995,"endTime":4617.08,"body":"don't think I've ever met John."},{"speaker":"Carl Widger","startTime":4613.0999999999995,"endTime":4617.08,"body":"Maybe I have, probably, after"},{"speaker":"Carl Widger","startTime":4617.08,"endTime":4624.34,"body":"making things worse. Now John"},{"speaker":"Carl Widger","startTime":4617.08,"endTime":4624.34,"body":"runs, John runs a firm called"},{"speaker":"Carl Widger","startTime":4624.4,"endTime":4627.94,"body":"blueprint financial planning,"},{"speaker":"Carl Widger","startTime":4624.4,"endTime":4627.94,"body":"and I know the reputation of"},{"speaker":"Carl Widger","startTime":4627.94,"endTime":4632.44,"body":"John's firm is that it's an"},{"speaker":"Carl Widger","startTime":4627.94,"endTime":4632.44,"body":"excellent firm, and he does, he"},{"speaker":"Carl Widger","startTime":4632.44,"endTime":4636.48,"body":"does things the right way. So"},{"speaker":"Carl Widger","startTime":4632.44,"endTime":4636.48,"body":"John wrote me an email. He took"},{"speaker":"Carl Widger","startTime":4636.48,"endTime":4642.84,"body":"some time to write me an email,"},{"speaker":"Carl Widger","startTime":4636.48,"endTime":4642.84,"body":"and he said that episode 73 I'll"},{"speaker":"Carl Widger","startTime":4642.84,"endTime":4647.04,"body":"do a bit of quoting here, left a"},{"speaker":"Carl Widger","startTime":4642.84,"endTime":4647.04,"body":"sour taste. He said. He goes on"},{"speaker":"Carl Widger","startTime":4647.04,"endTime":4651.48,"body":"to say that the inference that"},{"speaker":"Carl Widger","startTime":4647.04,"endTime":4651.48,"body":"small brokers may not be on top"},{"speaker":"Carl Widger","startTime":4651.48,"endTime":4655.38,"body":"of compliance is, in my view,"},{"speaker":"Carl Widger","startTime":4651.48,"endTime":4655.38,"body":"both unfair and inaccurate. And"},{"speaker":"Carl Widger","startTime":4655.62,"endTime":4659.78,"body":"then he went on to say that the"},{"speaker":"Carl Widger","startTime":4655.62,"endTime":4659.78,"body":"Range Rover remark struck me as"},{"speaker":"Carl Widger","startTime":4659.78,"endTime":4665.72,"body":"unhelpful. Now, to be fair to"},{"speaker":"Carl Widger","startTime":4659.78,"endTime":4665.72,"body":"John, right, I've just taken"},{"speaker":"Carl Widger","startTime":4665.72,"endTime":4669.44,"body":"some quotes out of the email"},{"speaker":"Carl Widger","startTime":4665.72,"endTime":4669.44,"body":"they sent. The email was very"},{"speaker":"Carl Widger","startTime":4669.44,"endTime":4671.84,"body":"well put together. I obviously"},{"speaker":"Nick Lincoln","startTime":4671.96,"endTime":4675.08,"body":"enormous. What was"},{"speaker":"Nick Lincoln","startTime":4671.96,"endTime":4675.08,"body":"the Range Rover? Quickly? What"},{"speaker":"Nick Lincoln","startTime":4675.26,"endTime":4675.68,"body":"was the right"},{"speaker":"Carl Widger","startTime":4675.68,"endTime":4678.0999999999995,"body":"give us so So, I"},{"speaker":"Carl Widger","startTime":4675.68,"endTime":4678.0999999999995,"body":"suppose the context here is the"},{"speaker":"Carl Widger","startTime":4678.0999999999995,"endTime":4683.98,"body":"episode 73 was about, we were"},{"speaker":"Carl Widger","startTime":4678.0999999999995,"endTime":4683.98,"body":"dealing with a question about,"},{"speaker":"Carl Widger","startTime":4684.58,"endTime":4689.38,"body":"you know, RDR was in the UK."},{"speaker":"Carl Widger","startTime":4684.58,"endTime":4689.38,"body":"Should we bring in RDR in"},{"speaker":"Carl Widger","startTime":4689.38,"endTime":4692.26,"body":"Ireland? Or, what's your"},{"speaker":"Carl Widger","startTime":4689.38,"endTime":4692.26,"body":"thoughts on? You know, should"},{"speaker":"Carl Widger","startTime":4692.26,"endTime":4696.34,"body":"they reverse RDR or whatever,"},{"speaker":"Carl Widger","startTime":4692.26,"endTime":4696.34,"body":"right? So I was, I suppose, the"},{"speaker":"Carl Widger","startTime":4696.34,"endTime":4700.0199999999995,"body":"first comment was that I made a"},{"speaker":"Carl Widger","startTime":4696.34,"endTime":4700.0199999999995,"body":"flippant remark, and I suppose I"},{"speaker":"Carl Widger","startTime":4700.0199999999995,"endTime":4704.58,"body":"have to hold my hands up here,"},{"speaker":"Carl Widger","startTime":4700.0199999999995,"endTime":4704.58,"body":"big time that I said something"},{"speaker":"Carl Widger","startTime":4704.58,"endTime":4708.54,"body":"like I have listened back to it,"},{"speaker":"Carl Widger","startTime":4704.58,"endTime":4708.54,"body":"so I'm going to paraphrase here"},{"speaker":"Carl Widger","startTime":4708.54,"endTime":4715.08,"body":"probably I said that. Well, I"},{"speaker":"Carl Widger","startTime":4708.54,"endTime":4715.08,"body":"don't know how the solo advisors"},{"speaker":"Carl Widger","startTime":4715.5599999999995,"endTime":4719.5999999999995,"body":"can complete all of the"},{"speaker":"Carl Widger","startTime":4715.5599999999995,"endTime":4719.5999999999995,"body":"compliance that we are doing,"},{"speaker":"Carl Widger","startTime":4719.5999999999995,"endTime":4723.68,"body":"because it's just enormous the"},{"speaker":"Carl Widger","startTime":4719.5999999999995,"endTime":4723.68,"body":"amount of compliance that we do."},{"speaker":"Carl Widger","startTime":4724.16,"endTime":4727.7,"body":"But John makes the point really"},{"speaker":"Carl Widger","startTime":4724.16,"endTime":4727.7,"body":"well that you know, kind of, how"},{"speaker":"Carl Widger","startTime":4727.7,"endTime":4731.48,"body":"dare you say that, because I'm"},{"speaker":"Carl Widger","startTime":4727.7,"endTime":4731.48,"body":"doing it, and I know loads and"},{"speaker":"Carl Widger","startTime":4731.48,"endTime":4734.42,"body":"loads and loads of other solo"},{"speaker":"Carl Widger","startTime":4731.48,"endTime":4734.42,"body":"advisors who are doing it"},{"speaker":"Carl Widger","startTime":4734.96,"endTime":4739.54,"body":"immaculately. And it's a fair"},{"speaker":"Carl Widger","startTime":4734.96,"endTime":4739.54,"body":"point, and I shouldn't have said"},{"speaker":"Carl Widger","startTime":4739.54,"endTime":4746.5599999999995,"body":"it. I do think that there are"},{"speaker":"Carl Widger","startTime":4739.54,"endTime":4746.5599999999995,"body":"too many one man firms in"},{"speaker":"Carl Widger","startTime":4746.5599999999995,"endTime":4751.12,"body":"Ireland, and I do think not all"},{"speaker":"Carl Widger","startTime":4746.5599999999995,"endTime":4751.12,"body":"could be doing it one person,"},{"speaker":"Carl Widger","startTime":4751.12,"endTime":4756.3,"body":"for me, but for me to, you know,"},{"speaker":"Carl Widger","startTime":4751.12,"endTime":4756.3,"body":"do a broad brush and say that it"},{"speaker":"Carl Widger","startTime":4756.3,"endTime":4760.26,"body":"was unfair, and I apologize, and"},{"speaker":"Carl Widger","startTime":4756.3,"endTime":4760.26,"body":"that's all I can say. Like, look"},{"speaker":"Carl Widger","startTime":4760.5,"endTime":4763.8,"body":"the the Range Rover remark was,"},{"speaker":"Carl Widger","startTime":4760.5,"endTime":4763.8,"body":"you know, about banning"},{"speaker":"Carl Widger","startTime":4763.8,"endTime":4766.74,"body":"commissions, and I made the"},{"speaker":"Carl Widger","startTime":4763.8,"endTime":4766.74,"body":"point that, you know, a small"},{"speaker":"Carl Widger","startTime":4767.5199999999995,"endTime":4771.0,"body":"practice with 20 or 30 million"},{"speaker":"Carl Widger","startTime":4767.5199999999995,"endTime":4771.0,"body":"can just take 5% and then take"},{"speaker":"Carl Widger","startTime":4771.0,"endTime":4775.44,"body":"it again and again. And that's a"},{"speaker":"Carl Widger","startTime":4771.0,"endTime":4775.44,"body":"direct quote from a client of"},{"speaker":"Carl Widger","startTime":4775.44,"endTime":4779.48,"body":"mine, so I did not make that up"},{"speaker":"Carl Widger","startTime":4775.44,"endTime":4779.48,"body":"and but having said that, when"},{"speaker":"Carl Widger","startTime":4779.48,"endTime":4783.62,"body":"you throw out a remark like, Why"},{"speaker":"Carl Widger","startTime":4779.48,"endTime":4783.62,"body":"do all financial advisors drive"},{"speaker":"Carl Widger","startTime":4783.62,"endTime":4786.08,"body":"Range Rovers? That was the"},{"speaker":"Carl Widger","startTime":4783.62,"endTime":4786.08,"body":"comment that the client made to"},{"speaker":"Carl Widger","startTime":4786.26,"endTime":4789.74,"body":"me. Now, when I say, then repeat"},{"speaker":"Carl Widger","startTime":4786.26,"endTime":4789.74,"body":"something like that, that's kind"},{"speaker":"Carl Widger","startTime":4789.74,"endTime":4793.16,"body":"of a salacious headline, so I"},{"speaker":"Carl Widger","startTime":4789.74,"endTime":4793.16,"body":"shouldn't have really said it"},{"speaker":"Carl Widger","startTime":4793.16,"endTime":4796.04,"body":"either. And it was, it was a bit"},{"speaker":"Carl Widger","startTime":4793.16,"endTime":4796.04,"body":"loose for me when I look back at"},{"speaker":"Carl Widger","startTime":4796.04,"endTime":4799.5999999999995,"body":"the date of it, right? It was,"},{"speaker":"Carl Widger","startTime":4796.04,"endTime":4799.5999999999995,"body":"it was out on the 19th of June."},{"speaker":"Carl Widger","startTime":4799.96,"endTime":4802.96,"body":"I was in the middle of a highly"},{"speaker":"Carl Widger","startTime":4799.96,"endTime":4802.96,"body":"pressurized environment. Of my"},{"speaker":"Carl Widger","startTime":4802.96,"endTime":4804.0999999999995,"body":"triplets doing"},{"speaker":"Unknown","startTime":4805.0599999999995,"endTime":4805.84,"body":"well, watch"},{"speaker":"Carl Widger","startTime":4806.86,"endTime":4809.74,"body":"their leaving cert"},{"speaker":"Carl Widger","startTime":4806.86,"endTime":4809.74,"body":"results. So are they're leaving"},{"speaker":"Carl Widger","startTime":4809.74,"endTime":4813.58,"body":"their exams. So I was probably a"},{"speaker":"Carl Widger","startTime":4809.74,"endTime":4813.58,"body":"bit cranky at the time, but"},{"speaker":"Carl Widger","startTime":4813.58,"endTime":4817.74,"body":"look, I have, there's just"},{"speaker":"Carl Widger","startTime":4813.58,"endTime":4817.74,"body":"generally a couple of points to"},{"speaker":"Carl Widger","startTime":4817.74,"endTime":4820.98,"body":"just, first of all, say, John,"},{"speaker":"Carl Widger","startTime":4817.74,"endTime":4820.98,"body":"you're entirely right. I have"},{"speaker":"Carl Widger","startTime":4820.98,"endTime":4823.32,"body":"told John I'm going to address"},{"speaker":"Carl Widger","startTime":4820.98,"endTime":4823.32,"body":"this today, so I've got his"},{"speaker":"Carl Widger","startTime":4823.32,"endTime":4827.94,"body":"permission to to mention his"},{"speaker":"Carl Widger","startTime":4823.32,"endTime":4827.94,"body":"name and stuff. But I suppose"},{"speaker":"Carl Widger","startTime":4827.94,"endTime":4832.74,"body":"the beauty of trap is, I think"},{"speaker":"Carl Widger","startTime":4827.94,"endTime":4832.74,"body":"we have done maybe three times"},{"speaker":"Carl Widger","startTime":4832.74,"endTime":4836.28,"body":"in 78 episodes. We have edited"},{"speaker":"Carl Widger","startTime":4832.74,"endTime":4836.28,"body":"something out. Is that correct?"},{"speaker":"Nick Lincoln","startTime":4837.24,"endTime":4839.36,"body":"Roughly? Yeah."},{"speaker":"Carl Widger","startTime":4839.36,"endTime":4843.8,"body":"So we don't edit,"},{"speaker":"Carl Widger","startTime":4839.36,"endTime":4843.8,"body":"you know, at all. We shoot from"},{"speaker":"Carl Widger","startTime":4843.8,"endTime":4848.84,"body":"the hip. We're all fairly"},{"speaker":"Carl Widger","startTime":4843.8,"endTime":4848.84,"body":"outspoken. And sometimes, there"},{"speaker":"Carl Widger","startTime":4848.84,"endTime":4851.36,"body":"have been other times that I"},{"speaker":"Carl Widger","startTime":4848.84,"endTime":4851.36,"body":"have said things on traffic. Oh,"},{"speaker":"Carl Widger","startTime":4851.54,"endTime":4854.42,"body":"Jesus Christ. I shouldn't have"},{"speaker":"Carl Widger","startTime":4851.54,"endTime":4854.42,"body":"said that or, you know, but"},{"speaker":"Carl Widger","startTime":4854.42,"endTime":4858.04,"body":"look, I think it is, it is the"},{"speaker":"Carl Widger","startTime":4854.42,"endTime":4858.04,"body":"beauty of it. At the same time"},{"speaker":"Carl Widger","startTime":4858.4,"endTime":4862.54,"body":"that we we are uncensored. We do"},{"speaker":"Carl Widger","startTime":4858.4,"endTime":4862.54,"body":"say it. And look, the last thing"},{"speaker":"Carl Widger","startTime":4862.54,"endTime":4865.36,"body":"I'll say before I let you boys"},{"speaker":"Carl Widger","startTime":4862.54,"endTime":4865.36,"body":"kind of have your your tuppence"},{"speaker":"Carl Widger","startTime":4865.36,"endTime":4869.32,"body":"worth, is sometimes this is a"},{"speaker":"Carl Widger","startTime":4865.36,"endTime":4869.32,"body":"stupid thing to say, an"},{"speaker":"Carl Widger","startTime":4869.32,"endTime":4871.9,"body":"enormously stupid thing to say"},{"speaker":"Carl Widger","startTime":4869.32,"endTime":4871.9,"body":"when we've liked well over"},{"speaker":"Carl Widger","startTime":4871.9,"endTime":4875.38,"body":"300,000 downloads now, right?"},{"speaker":"Carl Widger","startTime":4871.9,"endTime":4875.38,"body":"But it feels like I'm just"},{"speaker":"Carl Widger","startTime":4875.38,"endTime":4879.78,"body":"chatting to you boy. Is and and"},{"speaker":"Carl Widger","startTime":4875.38,"endTime":4879.78,"body":"then it gets a little bit, for"},{"speaker":"Carl Widger","startTime":4879.78,"endTime":4882.72,"body":"me, a little bit loosey goosey."},{"speaker":"Carl Widger","startTime":4879.78,"endTime":4882.72,"body":"And especially when there's"},{"speaker":"Carl Widger","startTime":4882.72,"endTime":4885.72,"body":"things that I'm very passionate"},{"speaker":"Carl Widger","startTime":4882.72,"endTime":4885.72,"body":"about, I might say stupid things"},{"speaker":"Carl Widger","startTime":4885.72,"endTime":4889.08,"body":"that would be okay in a pub"},{"speaker":"Carl Widger","startTime":4885.72,"endTime":4889.08,"body":"environment. And then I say them"},{"speaker":"Carl Widger","startTime":4889.08,"endTime":4891.72,"body":"on this environment, forgetting,"},{"speaker":"Carl Widger","startTime":4889.08,"endTime":4891.72,"body":"of course, that there's going to"},{"speaker":"Carl Widger","startTime":4891.72,"endTime":4895.0199999999995,"body":"be, you know, how many 1000"},{"speaker":"Carl Widger","startTime":4891.72,"endTime":4895.0199999999995,"body":"people downloading it, who are"},{"speaker":"Carl Widger","startTime":4895.0199999999995,"endTime":4898.94,"body":"all advisors. And I know there"},{"speaker":"Carl Widger","startTime":4895.0199999999995,"endTime":4898.94,"body":"are tons and tons of really"},{"speaker":"Carl Widger","startTime":4898.94,"endTime":4903.0199999999995,"body":"brilliant solo advisors. There"},{"speaker":"Carl Widger","startTime":4898.94,"endTime":4903.0199999999995,"body":"are two on this show, so for me"},{"speaker":"Carl Widger","startTime":4903.14,"endTime":4909.2,"body":"to discount them like I did was"},{"speaker":"Carl Widger","startTime":4903.14,"endTime":4909.2,"body":"not fair, and I will be doing my"},{"speaker":"Carl Widger","startTime":4909.2,"endTime":4913.16,"body":"best not to make these loose"},{"speaker":"Carl Widger","startTime":4909.2,"endTime":4913.16,"body":"comments, but at the same time,"},{"speaker":"Carl Widger","startTime":4913.22,"endTime":4914.48,"body":"hopefully it won't"},{"speaker":"Alan Smith","startTime":4914.96,"endTime":4916.54,"body":"censor me said"},{"speaker":"Andy Hart","startTime":4916.539,"endTime":4918.939,"body":"Carl sounds like a"},{"speaker":"Andy Hart","startTime":4916.539,"endTime":4918.939,"body":"politician's apology. No,"},{"speaker":"Nick Lincoln","startTime":4919.9,"endTime":4922.36,"body":"it wasn't that"},{"speaker":"Nick Lincoln","startTime":4919.9,"endTime":4922.36,"body":"wasn't, that was that was Ultra"},{"speaker":"Nick Lincoln","startTime":4922.36,"endTime":4924.7,"body":"your hands raised. Please tell"},{"speaker":"Nick Lincoln","startTime":4922.36,"endTime":4924.7,"body":"me raised it properly."},{"speaker":"Andy Hart","startTime":4924.7,"endTime":4927.22,"body":"No, I'm gonna, I'm"},{"speaker":"Andy Hart","startTime":4924.7,"endTime":4927.22,"body":"gonna confirm what Colm you've"},{"speaker":"Andy Hart","startTime":4927.22,"endTime":4930.28,"body":"both said. Nick so strap trap is"},{"speaker":"Andy Hart","startTime":4927.22,"endTime":4930.28,"body":"obviously four strong,"},{"speaker":"Andy Hart","startTime":4930.28,"endTime":4933.4,"body":"opinionated individuals, you"},{"speaker":"Andy Hart","startTime":4930.28,"endTime":4933.4,"body":"know, unfiltered, off the cuff."},{"speaker":"Andy Hart","startTime":4933.4,"endTime":4936.84,"body":"You know, we speak for hours"},{"speaker":"Andy Hart","startTime":4933.4,"endTime":4936.84,"body":"every year. You know, during"},{"speaker":"Andy Hart","startTime":4936.84,"endTime":4939.54,"body":"that we're going to say things"},{"speaker":"Andy Hart","startTime":4936.84,"endTime":4939.54,"body":"that may seem a bit harsh. We're"},{"speaker":"Andy Hart","startTime":4939.54,"endTime":4942.36,"body":"going to say things that are"},{"speaker":"Andy Hart","startTime":4939.54,"endTime":4942.36,"body":"probably factually incorrect,"},{"speaker":"Andy Hart","startTime":4942.36,"endTime":4946.2,"body":"maybe mean spirited, but that's"},{"speaker":"Andy Hart","startTime":4942.36,"endTime":4946.2,"body":"just the nature of, you know,"},{"speaker":"Andy Hart","startTime":4946.2,"endTime":4949.08,"body":"doing work in public, you know."},{"speaker":"Andy Hart","startTime":4946.2,"endTime":4949.08,"body":"And we can't address every issue"},{"speaker":"Andy Hart","startTime":4949.08,"endTime":4953.04,"body":"that people have concerns with,"},{"speaker":"Andy Hart","startTime":4949.08,"endTime":4953.04,"body":"but obviously we do read all the"},{"speaker":"Andy Hart","startTime":4953.04,"endTime":4955.62,"body":"comments that get sent to us,"},{"speaker":"Andy Hart","startTime":4953.04,"endTime":4955.62,"body":"all the questions, queries and"},{"speaker":"Andy Hart","startTime":4955.62,"endTime":4959.78,"body":"concerns. But yeah, I think that"},{"speaker":"Andy Hart","startTime":4955.62,"endTime":4959.78,"body":"is its beauty, the fact that it"},{"speaker":"Andy Hart","startTime":4959.84,"endTime":4963.8,"body":"is unfiltered, it is off the"},{"speaker":"Andy Hart","startTime":4959.84,"endTime":4963.8,"body":"cuff. We can speak freely, and"},{"speaker":"Andy Hart","startTime":4964.28,"endTime":4967.82,"body":"every so often we're going to"},{"speaker":"Andy Hart","startTime":4964.28,"endTime":4967.82,"body":"drop the ball. I think people"},{"speaker":"Andy Hart","startTime":4967.94,"endTime":4971.24,"body":"know that anyway, and obviously"},{"speaker":"Andy Hart","startTime":4967.94,"endTime":4971.24,"body":"some comments are going to cut"},{"speaker":"Andy Hart","startTime":4971.24,"endTime":4974.5999999999995,"body":"deeper than others, but we"},{"speaker":"Andy Hart","startTime":4971.24,"endTime":4974.5999999999995,"body":"obviously need to keep that"},{"speaker":"Andy Hart","startTime":4974.5999999999995,"endTime":4977.8,"body":"balance right. And obviously the"},{"speaker":"Andy Hart","startTime":4974.5999999999995,"endTime":4977.8,"body":"more the show grows, the more we"},{"speaker":"Andy Hart","startTime":4977.8,"endTime":4981.64,"body":"get support from other brands."},{"speaker":"Andy Hart","startTime":4977.8,"endTime":4981.64,"body":"We have to, obviously, again,"},{"speaker":"Andy Hart","startTime":4981.7,"endTime":4987.0999999999995,"body":"juggle that situation. So, yeah,"},{"speaker":"Andy Hart","startTime":4981.7,"endTime":4987.0999999999995,"body":"yeah, that's another story. We"},{"speaker":"Andy Hart","startTime":4987.4,"endTime":4990.0999999999995,"body":"Yeah, we will offend people."},{"speaker":"Andy Hart","startTime":4987.4,"endTime":4990.0999999999995,"body":"It's like comedians, though they"},{"speaker":"Andy Hart","startTime":4990.0999999999995,"endTime":4994.42,"body":"do a whole sketch of 100 jokes,"},{"speaker":"Andy Hart","startTime":4990.0999999999995,"endTime":4994.42,"body":"and then the person says, Yeah,"},{"speaker":"Andy Hart","startTime":4994.42,"endTime":4997.68,"body":"I liked 90% of the show, but I"},{"speaker":"Andy Hart","startTime":4994.42,"endTime":4997.68,"body":"didn't like the 10% that was"},{"speaker":"Andy Hart","startTime":4997.68,"endTime":5000.32,"body":"talking about fill in the blank"},{"speaker":"Andy Hart","startTime":4997.68,"endTime":5000.32,"body":"thing they've got a problem"},{"speaker":"Andy Hart","startTime":5000.32,"endTime":5003.8,"body":"with, you know. So there will be"},{"speaker":"Andy Hart","startTime":5000.32,"endTime":5003.8,"body":"subjects that we discussed, like"},{"speaker":"Andy Hart","startTime":5003.8,"endTime":5006.5599999999995,"body":"solos versus large firms. That"},{"speaker":"Andy Hart","startTime":5003.8,"endTime":5006.5599999999995,"body":"might be a being someone's"},{"speaker":"Andy Hart","startTime":5006.5599999999995,"endTime":5010.04,"body":"bonnet. We might discuss active"},{"speaker":"Andy Hart","startTime":5006.5599999999995,"endTime":5010.04,"body":"versus passive. We might discuss"},{"speaker":"Andy Hart","startTime":5010.04,"endTime":5012.38,"body":"fixed fees versus ad valorem."},{"speaker":"Andy Hart","startTime":5010.04,"endTime":5012.38,"body":"You know, there's always going"},{"speaker":"Andy Hart","startTime":5012.38,"endTime":5015.2,"body":"to be the thing that they get"},{"speaker":"Andy Hart","startTime":5012.38,"endTime":5015.2,"body":"angry about. So that's just the"},{"speaker":"Andy Hart","startTime":5015.2,"endTime":5015.5599999999995,"body":"nature of"},{"speaker":"Carl Widger","startTime":5015.5599999999995,"endTime":5017.98,"body":"it. Can I just jump"},{"speaker":"Carl Widger","startTime":5015.5599999999995,"endTime":5017.98,"body":"very quickly before I switch,"},{"speaker":"Carl Widger","startTime":5018.22,"endTime":5022.66,"body":"like, just to say, right? I"},{"speaker":"Carl Widger","startTime":5018.22,"endTime":5022.66,"body":"people have had a goal me and on"},{"speaker":"Carl Widger","startTime":5022.66,"endTime":5026.44,"body":"Twitter or x about other stuff,"},{"speaker":"Carl Widger","startTime":5022.66,"endTime":5026.44,"body":"and really I didn't think I"},{"speaker":"Carl Widger","startTime":5026.44,"endTime":5030.5199999999995,"body":"should address it. So this is"},{"speaker":"Carl Widger","startTime":5026.44,"endTime":5030.5199999999995,"body":"not like I could have just"},{"speaker":"Carl Widger","startTime":5030.7,"endTime":5033.16,"body":"buried that email and never"},{"speaker":"Carl Widger","startTime":5030.7,"endTime":5033.16,"body":"replied to John and not said"},{"speaker":"Carl Widger","startTime":5033.16,"endTime":5037.5599999999995,"body":"anything, right? This is not a"},{"speaker":"Carl Widger","startTime":5033.16,"endTime":5037.5599999999995,"body":"it's, it's not party political"},{"speaker":"Carl Widger","startTime":5037.5599999999995,"endTime":5041.22,"body":"apology. Andy, it bothered me."},{"speaker":"Carl Widger","startTime":5037.5599999999995,"endTime":5041.22,"body":"The email bothered me. And the"},{"speaker":"Carl Widger","startTime":5041.22,"endTime":5044.16,"body":"reason it bothered me was"},{"speaker":"Carl Widger","startTime":5041.22,"endTime":5044.16,"body":"because he was right, and I do"},{"speaker":"Carl Widger","startTime":5044.16,"endTime":5045.0599999999995,"body":"need to do better so,"},{"speaker":"Nick Lincoln","startTime":5045.0599999999995,"endTime":5047.58,"body":"and I really do"},{"speaker":"Nick Lincoln","startTime":5045.0599999999995,"endTime":5047.58,"body":"need that. That's when you know,"},{"speaker":"Nick Lincoln","startTime":5047.64,"endTime":5050.64,"body":"that's when you know, yeah,"},{"speaker":"Nick Lincoln","startTime":5047.64,"endTime":5050.64,"body":"yeah, I was absolutely right."},{"speaker":"Nick Lincoln","startTime":5050.64,"endTime":5053.5199999999995,"body":"I'm just conscious of time. Mr."},{"speaker":"Nick Lincoln","startTime":5050.64,"endTime":5053.5199999999995,"body":"Smith, did you have something"},{"speaker":"Nick Lincoln","startTime":5053.5199999999995,"endTime":5055.74,"body":"pertinent to add? Or you're"},{"speaker":"Nick Lincoln","startTime":5053.5199999999995,"endTime":5055.74,"body":"quite happy to say, No, for"},{"speaker":"Nick Lincoln","startTime":5055.74,"endTime":5058.28,"body":"once, we've covered the TRAPPIST"},{"speaker":"Nick Lincoln","startTime":5055.74,"endTime":5058.28,"body":"questions. I don't need to"},{"speaker":"Nick Lincoln","startTime":5058.28,"endTime":5059.0,"body":"interject."},{"speaker":"Alan Smith","startTime":5060.0199999999995,"endTime":5065.54,"body":"No, I have something"},{"speaker":"Alan Smith","startTime":5060.0199999999995,"endTime":5065.54,"body":"to add. All I would say, though,"},{"speaker":"Alan Smith","startTime":5065.66,"endTime":5070.28,"body":"all I'm going to say is, these"},{"speaker":"Alan Smith","startTime":5065.66,"endTime":5070.28,"body":"are just our opinions, not"},{"speaker":"Alan Smith","startTime":5070.28,"endTime":5074.0599999999995,"body":"necessarily facts of life, and"},{"speaker":"Alan Smith","startTime":5070.28,"endTime":5074.0599999999995,"body":"we are all entitled to our own"},{"speaker":"Alan Smith","startTime":5074.0599999999995,"endTime":5077.86,"body":"opinion. We're not entitled to"},{"speaker":"Alan Smith","startTime":5074.0599999999995,"endTime":5077.86,"body":"our own facts, but it's just an"},{"speaker":"Alan Smith","startTime":5077.86,"endTime":5081.94,"body":"opinion, and we'll make I'll say"},{"speaker":"Alan Smith","startTime":5077.86,"endTime":5081.94,"body":"something which is my view on"},{"speaker":"Alan Smith","startTime":5081.94,"endTime":5084.28,"body":"the world, and someone else will"},{"speaker":"Alan Smith","startTime":5081.94,"endTime":5084.28,"body":"say you're wrong, and they're"},{"speaker":"Alan Smith","startTime":5084.46,"endTime":5087.7,"body":"entitled to have their opinion,"},{"speaker":"Alan Smith","startTime":5084.46,"endTime":5087.7,"body":"and that's it. But I think your"},{"speaker":"Alan Smith","startTime":5087.7,"endTime":5090.4,"body":"point is well made. Your point"},{"speaker":"Alan Smith","startTime":5087.7,"endTime":5090.4,"body":"is well made. Carl, after all"},{"speaker":"Alan Smith","startTime":5090.4,"endTime":5092.86,"body":"these episodes, my God, I'm"},{"speaker":"Alan Smith","startTime":5090.4,"endTime":5092.86,"body":"surprised we haven't had a few"},{"speaker":"Alan Smith","startTime":5092.86,"endTime":5095.86,"body":"more emails like that over the"},{"speaker":"Alan Smith","startTime":5092.86,"endTime":5095.86,"body":"years. So it was bound to be one"},{"speaker":"Alan Smith","startTime":5095.86,"endTime":5098.88,"body":"eventually. It was good that he"},{"speaker":"Alan Smith","startTime":5095.86,"endTime":5098.88,"body":"called you out, and it was very"},{"speaker":"Alan Smith","startTime":5098.88,"endTime":5102.72,"body":"good that you acknowledged it,"},{"speaker":"Alan Smith","startTime":5098.88,"endTime":5102.72,"body":"accepted it, made it public. We"},{"speaker":"Alan Smith","startTime":5102.72,"endTime":5105.96,"body":"draw a line, we move on. Always,"},{"speaker":"Alan Smith","startTime":5102.72,"endTime":5105.96,"body":"we get"},{"speaker":"Nick Lincoln","startTime":5105.96,"endTime":5108.42,"body":"better. All right,"},{"speaker":"Nick Lincoln","startTime":5105.96,"endTime":5108.42,"body":"lovely, lovely stuff. Okay,"},{"speaker":"Nick Lincoln","startTime":5108.42,"endTime":5111.42,"body":"right. So we are at 83 minutes"},{"speaker":"Nick Lincoln","startTime":5108.42,"endTime":5111.42,"body":"in. The software has yet to"},{"speaker":"Nick Lincoln","startTime":5111.42,"endTime":5114.72,"body":"crash. I'm talking, let's move"},{"speaker":"Nick Lincoln","startTime":5111.42,"endTime":5114.72,"body":"on to what many people call"},{"speaker":"Nick Lincoln","startTime":5114.78,"endTime":5115.5,"body":"culture. You"},{"speaker":"Alan Smith","startTime":5126.08,"endTime":5128.78,"body":"Oh yeah, scrolling"},{"speaker":"Alan Smith","startTime":5126.08,"endTime":5128.78,"body":"through, scrolling through,"},{"speaker":"Alan Smith","startTime":5128.78,"endTime":5130.88,"body":"scrolling through. I thought,"},{"speaker":"Alan Smith","startTime":5128.78,"endTime":5130.88,"body":"sure it's not me first, it's not"},{"speaker":"Alan Smith","startTime":5130.88,"endTime":5136.84,"body":"me. Oh, it is. I have got two"},{"speaker":"Alan Smith","startTime":5130.88,"endTime":5136.84,"body":"quick podcasts worthy of your"},{"speaker":"Alan Smith","startTime":5136.84,"endTime":5141.82,"body":"attention. We've it's mentioned"},{"speaker":"Alan Smith","startTime":5136.84,"endTime":5141.82,"body":"many times in the past, and they"},{"speaker":"Alan Smith","startTime":5141.88,"endTime":5144.7,"body":"are a bit hit and miss, but so"},{"speaker":"Alan Smith","startTime":5141.88,"endTime":5144.7,"body":"this is a very good one, Diary"},{"speaker":"Alan Smith","startTime":5144.7,"endTime":5150.16,"body":"of a CEO, one of the more recent"},{"speaker":"Alan Smith","startTime":5144.7,"endTime":5150.16,"body":"ones, where he got Daniel"},{"speaker":"Alan Smith","startTime":5150.16,"endTime":5155.98,"body":"priestly, Alex hermosi and Cody"},{"speaker":"Alan Smith","startTime":5150.16,"endTime":5155.98,"body":"Sanchez on. Now, I don't know"},{"speaker":"Alan Smith","startTime":5155.98,"endTime":5161.04,"body":"you will know all or some of"},{"speaker":"Alan Smith","startTime":5155.98,"endTime":5161.04,"body":"those people, but all three of"},{"speaker":"Alan Smith","startTime":5161.04,"endTime":5164.64,"body":"those, plus Stephen Bartlett,"},{"speaker":"Alan Smith","startTime":5161.04,"endTime":5164.64,"body":"are just big in the kind of"},{"speaker":"Alan Smith","startTime":5164.64,"endTime":5167.16,"body":"business, building"},{"speaker":"Alan Smith","startTime":5164.64,"endTime":5167.16,"body":"entrepreneurial huge social"},{"speaker":"Alan Smith","startTime":5167.16,"endTime":5170.22,"body":"media followings, all written"},{"speaker":"Alan Smith","startTime":5167.16,"endTime":5170.22,"body":"books, all got YouTube channels,"},{"speaker":"Alan Smith","startTime":5170.22,"endTime":5172.8,"body":"all the rest of it, and they had"},{"speaker":"Alan Smith","startTime":5170.22,"endTime":5172.8,"body":"the three of them just to"},{"speaker":"Alan Smith","startTime":5172.86,"endTime":5175.68,"body":"discuss and debate, kept"},{"speaker":"Alan Smith","startTime":5172.86,"endTime":5175.68,"body":"basically how to grow a"},{"speaker":"Alan Smith","startTime":5175.68,"endTime":5178.46,"body":"business. How to win customers,"},{"speaker":"Alan Smith","startTime":5175.68,"endTime":5178.46,"body":"how to market your services, you"},{"speaker":"Alan Smith","startTime":5178.46,"endTime":5180.92,"body":"know, any range of things. It's"},{"speaker":"Alan Smith","startTime":5178.46,"endTime":5180.92,"body":"about two and a half hour long"},{"speaker":"Alan Smith","startTime":5180.92,"endTime":5183.86,"body":"podcast. Wherever you are on"},{"speaker":"Alan Smith","startTime":5180.92,"endTime":5183.86,"body":"your business journey, you would"},{"speaker":"Alan Smith","startTime":5183.86,"endTime":5187.28,"body":"do well to invest your time, to"},{"speaker":"Alan Smith","startTime":5183.86,"endTime":5187.28,"body":"watch, listen, consume that"},{"speaker":"Alan Smith","startTime":5187.28,"endTime":5191.0,"body":"podcast. I thought it was"},{"speaker":"Alan Smith","startTime":5187.28,"endTime":5191.0,"body":"excellent because of the caliber"},{"speaker":"Alan Smith","startTime":5191.0599999999995,"endTime":5194.3,"body":"of the people that were showing"},{"speaker":"Alan Smith","startTime":5191.0599999999995,"endTime":5194.3,"body":"up and discussing it. And"},{"speaker":"Alan Smith","startTime":5194.3,"endTime":5197.44,"body":"interestingly, bit like us, they"},{"speaker":"Alan Smith","startTime":5194.3,"endTime":5197.44,"body":"didn't all agree with each other"},{"speaker":"Alan Smith","startTime":5197.44,"endTime":5200.14,"body":"on everything, which was good as"},{"speaker":"Alan Smith","startTime":5197.44,"endTime":5200.14,"body":"well. So that's worthy of your"},{"speaker":"Alan Smith","startTime":5200.14,"endTime":5202.72,"body":"your attention. And now that"},{"speaker":"Alan Smith","startTime":5200.14,"endTime":5202.72,"body":"we've talked as well, the second"},{"speaker":"Alan Smith","startTime":5202.72,"endTime":5208.66,"body":"one I've got, as we've talked"},{"speaker":"Alan Smith","startTime":5202.72,"endTime":5208.66,"body":"about resetting for, you know,"},{"speaker":"Alan Smith","startTime":5208.72,"endTime":5211.66,"body":"the rest of the year, and we're"},{"speaker":"Alan Smith","startTime":5208.72,"endTime":5211.66,"body":"talking about business growth,"},{"speaker":"Alan Smith","startTime":5211.72,"endTime":5214.0599999999995,"body":"there's a great podcast. I don't"},{"speaker":"Alan Smith","startTime":5211.72,"endTime":5214.0599999999995,"body":"know sort of thing that you"},{"speaker":"Alan Smith","startTime":5214.0599999999995,"endTime":5219.0599999999995,"body":"might know about Nick You know,"},{"speaker":"Alan Smith","startTime":5214.0599999999995,"endTime":5219.0599999999995,"body":"Barron's in the US, yeah, barons"},{"speaker":"Alan Smith","startTime":5219.0599999999995,"endTime":5223.5599999999995,"body":"podcast. It's, well again, it's"},{"speaker":"Alan Smith","startTime":5219.0599999999995,"endTime":5223.5599999999995,"body":"very American centric, and"},{"speaker":"Alan Smith","startTime":5223.5599999999995,"endTime":5226.92,"body":"talking about 401, k's and our"},{"speaker":"Alan Smith","startTime":5223.5599999999995,"endTime":5226.92,"body":"eyes and all that sort of stuff."},{"speaker":"Alan Smith","startTime":5226.92,"endTime":5229.32,"body":"But every now and again is a"},{"speaker":"Alan Smith","startTime":5226.92,"endTime":5229.32,"body":"really good one. So there was"},{"speaker":"Alan Smith","startTime":5229.32,"endTime":5231.66,"body":"once a couple of months ago, I"},{"speaker":"Alan Smith","startTime":5229.32,"endTime":5231.66,"body":"put a link in the show notes."},{"speaker":"Alan Smith","startTime":5231.72,"endTime":5236.78,"body":"It's a guy called David Newson,"},{"speaker":"Alan Smith","startTime":5231.72,"endTime":5236.78,"body":"and it's titled proven Ria. In"},{"speaker":"Alan Smith","startTime":5237.14,"endTime":5241.5199999999995,"body":"other words, IFA marketing"},{"speaker":"Alan Smith","startTime":5237.14,"endTime":5241.5199999999995,"body":"strategies for 15% organic"},{"speaker":"Alan Smith","startTime":5241.5199999999995,"endTime":5245.12,"body":"growth. So this was a guy who"},{"speaker":"Alan Smith","startTime":5241.5199999999995,"endTime":5245.12,"body":"was working at he's worked for a"},{"speaker":"Alan Smith","startTime":5245.12,"endTime":5248.96,"body":"few of the big, big RIAs. He's"},{"speaker":"Alan Smith","startTime":5245.12,"endTime":5248.96,"body":"now doing his own thing. And"},{"speaker":"Alan Smith","startTime":5249.0199999999995,"endTime":5251.72,"body":"again, I just thought it was"},{"speaker":"Alan Smith","startTime":5249.0199999999995,"endTime":5251.72,"body":"really, really good, the detail"},{"speaker":"Alan Smith","startTime":5251.72,"endTime":5257.68,"body":"he goes into about how to create"},{"speaker":"Alan Smith","startTime":5251.72,"endTime":5257.68,"body":"and execute on growth strategies"},{"speaker":"Alan Smith","startTime":5258.16,"endTime":5262.42,"body":"to pretty much be assured of 15%"},{"speaker":"Alan Smith","startTime":5258.16,"endTime":5262.42,"body":"organic growth compounded every"},{"speaker":"Alan Smith","startTime":5262.42,"endTime":5266.08,"body":"year. It's a great podcast,"},{"speaker":"Alan Smith","startTime":5262.42,"endTime":5266.08,"body":"great conversation, well worth"},{"speaker":"Alan Smith","startTime":5266.14,"endTime":5266.62,"body":"listening to"},{"speaker":"Andy Hart","startTime":5266.62,"endTime":5269.26,"body":"Barron's advisor."},{"speaker":"Andy Hart","startTime":5266.62,"endTime":5269.26,"body":"Smith, yeah, there's a few on"},{"speaker":"Andy Hart","startTime":5269.26,"endTime":5270.04,"body":"there. Oh, they're"},{"speaker":"Alan Smith","startTime":5270.64,"endTime":5273.4,"body":"not Barron's Yeah."},{"speaker":"Alan Smith","startTime":5270.64,"endTime":5273.4,"body":"Byron's advisor, the way forward"},{"speaker":"Alan Smith","startTime":5273.4,"endTime":5277.72,"body":"is the title of the podcast."},{"speaker":"Alan Smith","startTime":5273.4,"endTime":5277.72,"body":"Yeah, Baron's advice, or advisor"},{"speaker":"Alan Smith","startTime":5277.72,"endTime":5280.62,"body":"with an O Anyway, check about,"},{"speaker":"Alan Smith","startTime":5277.72,"endTime":5280.62,"body":"check them out."},{"speaker":"Carl Widger","startTime":5280.62,"endTime":5285.12,"body":"Next, Next, Next,"},{"speaker":"Carl Widger","startTime":5280.62,"endTime":5285.12,"body":"go, go to go to Berlin for two"},{"speaker":"Carl Widger","startTime":5285.12,"endTime":5288.48,"body":"days, get the train to Prague."},{"speaker":"Carl Widger","startTime":5285.12,"endTime":5288.48,"body":"It's a five hour, amazing, five"},{"speaker":"Carl Widger","startTime":5288.48,"endTime":5292.44,"body":"hour train journey, and spend"},{"speaker":"Carl Widger","startTime":5288.48,"endTime":5292.44,"body":"another two days in Prague. I"},{"speaker":"Carl Widger","startTime":5292.44,"endTime":5295.86,"body":"brought my three daughters. We"},{"speaker":"Carl Widger","startTime":5292.44,"endTime":5295.86,"body":"saw everything in both cities."},{"speaker":"Carl Widger","startTime":5295.86,"endTime":5300.26,"body":"It's a lot of walking. Both"},{"speaker":"Carl Widger","startTime":5295.86,"endTime":5300.26,"body":"places are class. The Germans"},{"speaker":"Carl Widger","startTime":5300.32,"endTime":5304.64,"body":"don't do nice, polite service,"},{"speaker":"Carl Widger","startTime":5300.32,"endTime":5304.64,"body":"though, unfortunately, you'd"},{"speaker":"Carl Widger","startTime":5304.64,"endTime":5306.32,"body":"love them, Nick, they're just"},{"speaker":"Carl Widger","startTime":5304.64,"endTime":5306.32,"body":"like you. I"},{"speaker":"Nick Lincoln","startTime":5306.92,"endTime":5309.44,"body":"went to the"},{"speaker":"Nick Lincoln","startTime":5306.92,"endTime":5309.44,"body":"walking holiday to Bavaria about"},{"speaker":"Nick Lincoln","startTime":5309.44,"endTime":5315.0199999999995,"body":"three years ago with with TLP,"},{"speaker":"Nick Lincoln","startTime":5309.44,"endTime":5315.0199999999995,"body":"and they're very efficient. I"},{"speaker":"Nick Lincoln","startTime":5315.0199999999995,"endTime":5316.9,"body":"mean, the food's bloody awful."},{"speaker":"Nick Lincoln","startTime":5315.0199999999995,"endTime":5316.9,"body":"There's no one ever says, Oh,"},{"speaker":"Nick Lincoln","startTime":5316.9,"endTime":5319.0,"body":"I'm famished. Let's go out for a"},{"speaker":"Nick Lincoln","startTime":5316.9,"endTime":5319.0,"body":"German"},{"speaker":"Carl Widger","startTime":5326.0199999999995,"endTime":5328.5999999999995,"body":"the beer is"},{"speaker":"Carl Widger","startTime":5326.0199999999995,"endTime":5328.5999999999995,"body":"sensational. Absolutely,"},{"speaker":"Nick Lincoln","startTime":5329.5599999999995,"endTime":5331.78,"body":"they're very like"},{"speaker":"Nick Lincoln","startTime":5329.5599999999995,"endTime":5331.78,"body":"sort of dystopian. I was wearing"},{"speaker":"Nick Lincoln","startTime":5331.78,"endTime":5334.36,"body":"the sort of red corridors just"},{"speaker":"Nick Lincoln","startTime":5331.78,"endTime":5334.36,"body":"painted red."},{"speaker":"Carl Widger","startTime":5337.96,"endTime":5340.5599999999995,"body":"I did a chat GPT"},{"speaker":"Carl Widger","startTime":5337.96,"endTime":5340.5599999999995,"body":"give me an itinerary for two"},{"speaker":"Carl Widger","startTime":5340.5599999999995,"endTime":5343.26,"body":"days in both places, and we"},{"speaker":"Carl Widger","startTime":5340.5599999999995,"endTime":5343.26,"body":"pretty much stuck to it. It was"},{"speaker":"Carl Widger","startTime":5343.26,"endTime":5345.9,"body":"amazing. So it was brilliant."},{"speaker":"Carl Widger","startTime":5343.26,"endTime":5345.9,"body":"Yeah, do it? Okay."},{"speaker":"Nick Lincoln","startTime":5346.5599999999995,"endTime":5348.9,"body":"Okay. Good stuff."},{"speaker":"Nick Lincoln","startTime":5346.5599999999995,"endTime":5348.9,"body":"Good stuff. Very good. Me next."},{"speaker":"Nick Lincoln","startTime":5348.9,"endTime":5353.58,"body":"Okay, so in the in the UK, the"},{"speaker":"Nick Lincoln","startTime":5348.9,"endTime":5353.58,"body":"SCA has kind of relented a bit"},{"speaker":"Nick Lincoln","startTime":5353.58,"endTime":5356.42,"body":"on Bitcoin, isn't it, and it's"},{"speaker":"Nick Lincoln","startTime":5353.58,"endTime":5356.42,"body":"now allowing retail investors to"},{"speaker":"Nick Lincoln","startTime":5356.42,"endTime":5359.84,"body":"invest in Bitcoin via Etn,"},{"speaker":"Nick Lincoln","startTime":5356.42,"endTime":5359.84,"body":"exchange traded notes. I"},{"speaker":"Nick Lincoln","startTime":5360.0199999999995,"endTime":5362.9,"body":"remember Exchange Traded notes"},{"speaker":"Nick Lincoln","startTime":5360.0199999999995,"endTime":5362.9,"body":"about 15 years ago when they"},{"speaker":"Nick Lincoln","startTime":5362.9,"endTime":5365.0599999999995,"body":"were first launched by a lot of"},{"speaker":"Nick Lincoln","startTime":5362.9,"endTime":5365.0599999999995,"body":"things. Just, you know, you soak"},{"speaker":"Nick Lincoln","startTime":5365.0599999999995,"endTime":5369.26,"body":"it up, then you just go. So I"},{"speaker":"Nick Lincoln","startTime":5365.0599999999995,"endTime":5369.26,"body":"listened to a podcast on the"},{"speaker":"Nick Lincoln","startTime":5369.26,"endTime":5372.14,"body":"many happy returns podcast,"},{"speaker":"Nick Lincoln","startTime":5369.26,"endTime":5372.14,"body":"which I just kind of dip in and"},{"speaker":"Nick Lincoln","startTime":5372.14,"endTime":5374.54,"body":"out of. But one of the hosts, I"},{"speaker":"Nick Lincoln","startTime":5372.14,"endTime":5374.54,"body":"want to get his name here wrong."},{"speaker":"Nick Lincoln","startTime":5374.54,"endTime":5377.86,"body":"I'm sure you can grab me, Ramin,"},{"speaker":"Nick Lincoln","startTime":5374.54,"endTime":5377.86,"body":"nakisa, or nakisa, don't know"},{"speaker":"Nick Lincoln","startTime":5377.86,"endTime":5379.9,"body":"mate, he's spoken at hum,"},{"speaker":"Unknown","startTime":5384.94,"endTime":5385.66,"body":"Oh, that Guy."},{"speaker":"Alan Smith","startTime":5388.66,"endTime":5391.54,"body":"Attention. Were you"},{"speaker":"Alan Smith","startTime":5388.66,"endTime":5391.54,"body":"ramen?"},{"speaker":"Unknown","startTime":5395.14,"endTime":5398.16,"body":"Nikisa or Nick, he"},{"speaker":"Unknown","startTime":5400.32,"endTime":5401.16,"body":"does not know."},{"speaker":"Nick Lincoln","startTime":5402.18,"endTime":5404.16,"body":"Anyway, there's"},{"speaker":"Nick Lincoln","startTime":5402.18,"endTime":5404.16,"body":"that podcast talking about this,"},{"speaker":"Nick Lincoln","startTime":5404.34,"endTime":5406.86,"body":"this, this relaxing of the"},{"speaker":"Nick Lincoln","startTime":5404.34,"endTime":5406.86,"body":"legislation, and hey, retail"},{"speaker":"Nick Lincoln","startTime":5407.04,"endTime":5409.98,"body":"investors can invest in Bitcoin"},{"speaker":"Nick Lincoln","startTime":5407.04,"endTime":5409.98,"body":"via et ends. It's like, oh my"},{"speaker":"Nick Lincoln","startTime":5409.98,"endTime":5412.92,"body":"god, what a shit show. ET ends"},{"speaker":"Nick Lincoln","startTime":5409.98,"endTime":5412.92,"body":"are promissory notes, where you"},{"speaker":"Nick Lincoln","startTime":5412.92,"endTime":5415.92,"body":"lend money to a bank, the bank"},{"speaker":"Nick Lincoln","startTime":5412.92,"endTime":5415.92,"body":"then takes that money and"},{"speaker":"Nick Lincoln","startTime":5415.92,"endTime":5419.0599999999995,"body":"invests it in an underlying"},{"speaker":"Nick Lincoln","startTime":5415.92,"endTime":5419.0599999999995,"body":"bucket of securities, in this"},{"speaker":"Nick Lincoln","startTime":5419.0599999999995,"endTime":5422.42,"body":"case, will be Bitcoins. So it's"},{"speaker":"Nick Lincoln","startTime":5419.0599999999995,"endTime":5422.42,"body":"an extra layer of risk, because"},{"speaker":"Nick Lincoln","startTime":5422.42,"endTime":5426.32,"body":"you now got credit risk on Etn,"},{"speaker":"Nick Lincoln","startTime":5422.42,"endTime":5426.32,"body":"so you're a retail investor"},{"speaker":"Nick Lincoln","startTime":5426.32,"endTime":5427.16,"body":"saying you"},{"speaker":"Andy Hart","startTime":5427.159,"endTime":5428.719,"body":"give, you give your"},{"speaker":"Andy Hart","startTime":5427.159,"endTime":5428.719,"body":"money to banks. Now you"},{"speaker":"Andy Hart","startTime":5428.719,"endTime":5431.239,"body":"apparently don't own the money."},{"speaker":"Andy Hart","startTime":5428.719,"endTime":5431.239,"body":"There's a whole, whole, whole"},{"speaker":"Andy Hart","startTime":5431.239,"endTime":5431.959,"body":"movement."},{"speaker":"Alan Smith","startTime":5433.16,"endTime":5434.42,"body":"It Nick, carry on."},{"speaker":"Nick Lincoln","startTime":5434.9,"endTime":5437.32,"body":"There's part of"},{"speaker":"Nick Lincoln","startTime":5434.9,"endTime":5437.32,"body":"the fact you've got wizards on"},{"speaker":"Nick Lincoln","startTime":5437.32,"endTime":5442.36,"body":"crowds now you've got credit"},{"speaker":"Nick Lincoln","startTime":5437.32,"endTime":5442.36,"body":"default risk thrown in with"},{"speaker":"Nick Lincoln","startTime":5442.36,"endTime":5444.82,"body":"these etns. So I just think"},{"speaker":"Nick Lincoln","startTime":5442.36,"endTime":5444.82,"body":"lunacy, and they mentioned in"},{"speaker":"Nick Lincoln","startTime":5444.82,"endTime":5447.34,"body":"this podcast recently half an"},{"speaker":"Nick Lincoln","startTime":5444.82,"endTime":5447.34,"body":"hour or so, is because it's"},{"speaker":"Nick Lincoln","startTime":5447.34,"endTime":5450.16,"body":"decent, if you want to get up to"},{"speaker":"Nick Lincoln","startTime":5447.34,"endTime":5450.16,"body":"speed on the difference between"},{"speaker":"Nick Lincoln","startTime":5450.16,"endTime":5453.04,"body":"ETs and et ends, which I needed"},{"speaker":"Nick Lincoln","startTime":5450.16,"endTime":5453.04,"body":"too. They mentioned that the FCA"},{"speaker":"Nick Lincoln","startTime":5453.04,"endTime":5455.68,"body":"said the reason we're not making"},{"speaker":"Nick Lincoln","startTime":5453.04,"endTime":5455.68,"body":"these available via ETFs is"},{"speaker":"Nick Lincoln","startTime":5455.68,"endTime":5458.5199999999995,"body":"because of our own legislation,"},{"speaker":"Nick Lincoln","startTime":5455.68,"endTime":5458.5199999999995,"body":"which we've yet to update. It's"},{"speaker":"Nick Lincoln","startTime":5458.5199999999995,"endTime":5460.98,"body":"like Jesus Christ. I mean,"},{"speaker":"Nick Lincoln","startTime":5458.5199999999995,"endTime":5460.98,"body":"whatever you think about"},{"speaker":"Nick Lincoln","startTime":5460.98,"endTime":5464.28,"body":"Bitcoin, we are so behind that"},{"speaker":"Nick Lincoln","startTime":5460.98,"endTime":5464.28,"body":"getting into it. You know,"},{"speaker":"Nick Lincoln","startTime":5464.28,"endTime":5466.38,"body":"there's potential, if you"},{"speaker":"Nick Lincoln","startTime":5464.28,"endTime":5466.38,"body":"believe all this, there's"},{"speaker":"Nick Lincoln","startTime":5466.38,"endTime":5469.0199999999995,"body":"potentially billions that UK"},{"speaker":"Nick Lincoln","startTime":5466.38,"endTime":5469.0199999999995,"body":"investors could have accessed in"},{"speaker":"Nick Lincoln","startTime":5469.0199999999995,"endTime":5471.96,"body":"terms of profit, or millions,"},{"speaker":"Nick Lincoln","startTime":5469.0199999999995,"endTime":5471.96,"body":"hundreds of millions, which is a"},{"speaker":"Nick Lincoln","startTime":5471.96,"endTime":5475.32,"body":"billion. So I'm rambling anyway."},{"speaker":"Nick Lincoln","startTime":5471.96,"endTime":5475.32,"body":"It's a good podcast. Listen to"},{"speaker":"Nick Lincoln","startTime":5475.86,"endTime":5476.04,"body":"it."},{"speaker":"Andy Hart","startTime":5478.4,"endTime":5482.12,"body":"Me to finally close"},{"speaker":"Andy Hart","startTime":5478.4,"endTime":5482.12,"body":"the show. It's another Diary of"},{"speaker":"Andy Hart","startTime":5482.18,"endTime":5486.0199999999995,"body":"a CEO, another Diary of a CEO"},{"speaker":"Andy Hart","startTime":5482.18,"endTime":5486.0199999999995,"body":"recommendation podcast, YouTube."},{"speaker":"Andy Hart","startTime":5486.68,"endTime":5489.98,"body":"Manish pabrai, who I'm a big fan"},{"speaker":"Andy Hart","startTime":5486.68,"endTime":5489.98,"body":"of, he's a massive fan of"},{"speaker":"Andy Hart","startTime":5489.98,"endTime":5492.2,"body":"Charlie Munger and Warren"},{"speaker":"Andy Hart","startTime":5489.98,"endTime":5492.2,"body":"Buffett. He's written some great"},{"speaker":"Andy Hart","startTime":5492.2,"endTime":5497.26,"body":"books over the years. He's a one"},{"speaker":"Andy Hart","startTime":5492.2,"endTime":5497.26,"body":"one person hedge fund manager in"},{"speaker":"Andy Hart","startTime":5497.26,"endTime":5502.0599999999995,"body":"the US runs a very lean business"},{"speaker":"Andy Hart","startTime":5497.26,"endTime":5502.0599999999995,"body":"run on the Buffett parks, fee"},{"speaker":"Andy Hart","startTime":5502.0599999999995,"endTime":5505.48,"body":"structure, sorry, the Berkshire"},{"speaker":"Andy Hart","startTime":5502.0599999999995,"endTime":5505.48,"body":"Hathaway, original partners, fee"},{"speaker":"Andy Hart","startTime":5505.48,"endTime":5508.18,"body":"structure. Anyway, check it out."},{"speaker":"Andy Hart","startTime":5505.48,"endTime":5508.18,"body":"He's a very smart guy. Doesn't"},{"speaker":"Andy Hart","startTime":5508.18,"endTime":5511.0,"body":"do that many public interviews."},{"speaker":"Andy Hart","startTime":5508.18,"endTime":5511.0,"body":"MANISH provide on the diary of"},{"speaker":"Andy Hart","startTime":5511.0,"endTime":5514.48,"body":"the CEO. That's it over and out."},{"speaker":"Andy Hart","startTime":5511.0,"endTime":5514.48,"body":"Play the tune Nick."},{"speaker":"Nick Lincoln","startTime":5515.32,"endTime":5517.5,"body":"All right, superb."},{"speaker":"Nick Lincoln","startTime":5515.32,"endTime":5517.5,"body":"90 minutes in. Thank you, dear"},{"speaker":"Nick Lincoln","startTime":5517.5,"endTime":5521.22,"body":"TRAPPIST, for your time. As"},{"speaker":"Nick Lincoln","startTime":5517.5,"endTime":5521.22,"body":"episode 78 comes to a close and"},{"speaker":"Nick Lincoln","startTime":5521.5199999999995,"endTime":5524.16,"body":"slides around the you bend a"},{"speaker":"Nick Lincoln","startTime":5521.5199999999995,"endTime":5524.16,"body":"father time, please do leave a"},{"speaker":"Nick Lincoln","startTime":5524.16,"endTime":5528.5999999999995,"body":"review on your podcast app of"},{"speaker":"Nick Lincoln","startTime":5524.16,"endTime":5528.5999999999995,"body":"choice also, likewise with"},{"speaker":"Nick Lincoln","startTime":5528.5999999999995,"endTime":5531.3,"body":"YouTube, Like and subscribe. Hit"},{"speaker":"Nick Lincoln","startTime":5528.5999999999995,"endTime":5531.3,"body":"the notification button so every"},{"speaker":"Nick Lincoln","startTime":5531.3,"endTime":5533.5199999999995,"body":"time one of these episodes"},{"speaker":"Nick Lincoln","startTime":5531.3,"endTime":5533.5199999999995,"body":"slides out, you'll get told"},{"speaker":"Nick Lincoln","startTime":5533.5199999999995,"endTime":5536.4,"body":"about it. Until then, until the"},{"speaker":"Nick Lincoln","startTime":5533.5199999999995,"endTime":5536.4,"body":"next time, take care out there."},{"speaker":"Nick Lincoln","startTime":5536.46,"endTime":5539.12,"body":"Adios to our beloved TRAPPIST"},{"speaker":"Nick Lincoln","startTime":5536.46,"endTime":5539.12,"body":"from the trap pack, and we will"},{"speaker":"Nick Lincoln","startTime":5539.12,"endTime":5541.76,"body":"see you on the other side."},{"speaker":"Unknown","startTime":5543.5599999999995,"endTime":5545.9,"body":"Bye, bye, goodbye."},{"speaker":"Carl Widger","startTime":5552.2,"endTime":5554.24,"body":"Nick, is there a"},{"speaker":"Carl Widger","startTime":5552.2,"endTime":5554.24,"body":"reason you're bare chested"},{"speaker":"Andy Hart","startTime":5556.4,"endTime":5559.12,"body":"midway through you"},{"speaker":"Andy Hart","startTime":5556.4,"endTime":5559.12,"body":"must have been sweating through"},{"speaker":"Nick Lincoln","startTime":5559.12,"endTime":5560.98,"body":"the first one. No,"},{"speaker":"Nick Lincoln","startTime":5559.12,"endTime":5560.98,"body":"no, I wasn't sweating. No, I'm"},{"speaker":"Nick Lincoln","startTime":5560.98,"endTime":5563.2,"body":"gonna race out and make up time"},{"speaker":"Nick Lincoln","startTime":5560.98,"endTime":5563.2,"body":"with Penny. So I thought"},{"speaker":"Carl Widger","startTime":5563.2,"endTime":5565.78,"body":"I just wizards and"},{"speaker":"Carl Widger","startTime":5563.2,"endTime":5565.78,"body":"clouds coming from the bear"},{"speaker":"Carl Widger","startTime":5565.78,"endTime":5568.42,"body":"chest to do to the baseball cap"},{"speaker":"Carl Widger","startTime":5565.78,"endTime":5568.42,"body":"and the shades on"},{"speaker":"Alan Smith","startTime":5570.16,"endTime":5572.5,"body":"live on live on TV,"},{"speaker":"Nick Lincoln","startTime":5572.92,"endTime":5574.9,"body":"authority, right?"},{"speaker":"Nick Lincoln","startTime":5572.92,"endTime":5574.9,"body":"We're still recording this, by"},{"speaker":"Nick Lincoln","startTime":5574.9,"endTime":5575.92,"body":"the way. So, oh, sorry. I."}]}