David Carter Part 1: The Referral Mindset

In Part 1, Dave Carter joins Adam to share the story behind his rise from a cashier at Bradford & Bingley to becoming Managing Director of a £700m financial planning firm. The conversation covers the pre-RDR world, building a client bank from scratch, generating hundreds of referrals, developing advisers from non-traditional backgrounds, and the lessons learned from nearly two decades in one business. A fascinating look at ambition, opportunity, leadership, and why some of the best advisers don't start in financial services at all.