In this episode of The Referral Effect, host Paul Dulieu sits down with Howard Bullock, founder of Clear Financial Advice, for a candid and insightful conversation. From the adrenaline-fueled chaos of a City trading floor to the calm, client-focused world of financial planning, Howard shares his remarkable journey – and the lessons he’s learned along the way.

Discover how Howard helps clients of all backgrounds secure their financial futures, why building trust is at the heart of his business, and how smart financial planning can transform lives.

Tune in as Paul and Howard explore:

• Howard’s journey from city trader to trusted financial advisor.

• The biggest financial mistakes business owners make – and how to avoid them.

• Why diversification is the secret to financial resilience.

• The powerful impact of networking and relationship-building.

Whether you're an entrepreneur, a professional, or just someone who wants to make smarter financial decisions, this episode is packed with wisdom and practical advice.

#BusinessNetworking #Entrepreneurship #IFA #ClearIFA #TrustedAdviser #EssexBusinessForum #EBF #Essex

Music from: https://uppbeat.io/t/simon-folwar/happy-days

License code: DZVHDQVSFDDGB0W8

In this episode of The Referral Effect, host Paul Dulieu sits down with the ever-energetic Ben Golding – a man of many hats. From the bright lights of the West End to helping people save money with Utility Warehouse, Ben brings heart, humour, and a theatrical flair to everything he does.

We talk about his time performing at the London Palladium, getting drunk with Shirley MacLaine, launching his new business as a professional skills coach, and why he gets up at 4am every Thursday for EBF. Along the way, Ben shares how goal-setting, networking, and a strong sense of community have shaped his journey.

Authentic, inspiring and full of great takeaways. This is one not to miss.

Episode Title: The Power of Networking and Business Growth with Toby Acton

In this episode of The Referral Effect, host Paul Dulieu sits down with Toby Acton from Pole Position Business Solutions. Toby is a personal business mentor who helps entrepreneurs take control, scale up, and create businesses that truly work for them.

They dive into key strategies for business growth, including the importance of clarity, direction, and focus. Toby shares his insights on how business owners can escape the trap of working in their business rather than on it, and how networking has been a game-changer for his own success.

From mindset shifts to outsourcing and leveraging networking effectively, this conversation is packed with valuable advice for business owners at any stage. Whether you’re looking to scale, regain life-work balance, or maximise the power of networking, this episode is for you.

Tune in and discover how to build a business that supports your life - not the other way around!

Music from: https://uppbeat.io/t/simon-folwar/happy-days

License code: DZVHDQVSFDDGB0W8