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

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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

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From Policing to Locksmithing: Jon Foster’s Entrepreneurial Journey 🔑

In this episode of The Referral Effect, host Paul Dulieu sits down with Jon Foster, former Metropolitan Police officer turned successful locksmith and business owner at Lockfit Bishop’s Stortford.

Discover why Jon made the leap from law enforcement to running his own business and how his background in problem-solving, communication, and crisis management helps him serve his community in a whole new way.

Jon shares the biggest challenges he faced starting out, the lessons he’s learned about marketing and customer trust, and the unexpected joys of being his own boss. Plus, hear why he believes networking—especially with the Essex Business Forum—has been a game-changer for his growth.

Whether you’re an entrepreneur, a small business owner, or just love inspiring career-change stories, this episode is packed with insights you won’t want to miss!

Listen now and find out how Jon turned his passion for helping people into a thriving business.

#BusinessNetworking #Entrepreneurship #Locksmith #CareerChange #EssexBusinessForum #EBF #Essex

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A special episode to mark International Women’s Day and what better way to celebrate than by speaking with some of the incredible women in business from the EBF community? We’ll be discussing their journeys, the challenges they’ve overcome, the role networking has played, and is playing, in their success, and their advice for other women in business.

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

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In our first episode, we talk with Scott Griffiths, a director and founding member of Essex Business Forum. Scott explains how EBF came about and how it has adapted, and continues to adapt, to meet its members' needs. He also shares some impressive figures on the revenue EBF generates for its members each year and explains why it is so much more than "just a business networking group."

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

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