00:07:01— Do referral asks actually hurt referral growth?
00:12:00— Passive referral encouragement vs. direct asks
00:18:00— What newer advisors should do about referrals
00:20:00— Why niche positioning improves referrals
00:28:00— Website messaging, minimums, and signaling fit
00:33:00— Podcasting vs. social media for advisor growth
00:41:00— Writing, trust, and marketing efficiency
00:47:00— Seminars, webinars, and why in-person still works
00:53:00— Survey scorecards and benchmarking
00:58:00— AI in advisor tech: all-in-one vs. best-in-class
01:08:00— Financial planning software and integration pain
01:18:00— “Marry, divorce, date” tech segment
01:31:00— Advisor version: what tech to keep, cut, and watch
