Let's Talk Money

any questions whatsoever, the phone lines are open. I would love to talk to you. One eight hundred and eight two five five eight hundred eight two five fifty nine forty nine, any questions whatsoever, one eight hundred talk w GY. So we had a good week in the markets, you know, it was all all the indexes were up, including the Russell two thousands. So that was a good thing. You know, we started off the week. You know the White House. Believe me, President Trump is not afraid to use tariffs

as a negotiating tool. And I say that because a lot of people get freaked out and nervous about terriffs. I think President Trump is really using them to make sure that this great country of ours gets treated fairly and not taking advantage of So when he uses tariffs, he's using tariffs so that other countries realize they can't pull the wool over our eyes anymore. And we've had

that happen a lot. So, you know, the beginning of the week, the White House levy to twenty five percent tariff on steer and aluminum imports starting on March fourth. You know, metal prices rose stocks fell. Reciprocal tariffs in April. Basically, any country that tariffs us, we're going to tariff them. And that's fair, right, what's wrong with that? So don't get don't get too nervous. And I say that because

I don't get nervous about it. I kind of, you know, as I said, he's a businessman and he's using these tariffs to make sure that we get our fair share, that we're not paying more than we should pay. And there's nothing wrong with that. One of the reasons why I'm optimistic on the economy. I don't think these tariffs are going to hurt us as much as some people think and I think some of these terrffs may diminish,

but we'll see in hindsight, everything's crystal clear. You had President Trump talking to Russian you know, President Putin promising to end the Ukraine War while the Defense Secretary is you know, basically saying that the US will no longer prioritize European security once again. If he gets this war settled between Ukraine and Russia, that'll be a huge positive. That'll be a good, good thing, and I'm pretty sure

he'll get it done. You know, he's not afraid to go toe to toe, nose to nose with any leader around the world, and that's you know, that's that's a sign of strength. There's a lot of countries that just didn't believe we were as strong as we really are. And Trump's going to make sure that this country doesn't get taken advantage of and make sure that other countries pay their fair share, especially when it comes to security.

So you got a lot going on overseas, and you know, then we had an inflation number coming in hotter than expected, three percent. The FEDCE target is two percent. Well, you know, you can blame it on eggs. Listen, eggs are over five dollars a dozen. Who would ever think there's some stores that are selling eggs three at a time. Eggs that was a staple, you know, a lot of diets, breakfasts and everything else. But the price of eggs is

up a whole lot more than inflation. So for the week you had to dial up about six tens of a percent. The s and P up one point five percent, Nastack composite up two point six percent, and QQQ, believe it or not, was up two point nine percent, almost three percent QQQ. And that's a beautiful thing for our clients. Anyway, Our clients own a lot of QQQ as much as the broad stock market. It's one of our core holdings.

And as I say, often it will be into I'm either mentally incompetent and they dragged me out of the office or you know, I'm not able to wake up. I like Nanstak. Nansdak's been part of our portfolio for a long time, and there's nothing wrong. Believe me, folks. It's a more volatile asset class then let's say the broad stock market index. That means when the stock market goes up, you'll see NASDAC over time has outperformed the market. But when the market goes down, NASDAK goes down as

well because it has so many growth companies. I call it our technology slant on the portfolio. He's almost sixty percent of companies in those you know, the one hundred largest companies in the Nasdaq composite. That's why they call it the Nasdaq one hundred. It's the hundred largest companies QQQ. When you buy QQQ, you're not buying the entire Nasdaq composite. You're just buying one hundred largest companies, and about sixty

percent of those are technology. So we look at it as the growth side of our business and over time, once again, our clients understand that when there's volatility, they may see more volatility in their portfolios because of it. But one of the reasons why we've had such stellar returns is because we're not afraid to have some growth in the portfolio to have a slant towards technology, which were overweight. I think technology isn't going away, and I

believe in technology. The technology companies of today that make up NASDAK are a whole lot different than the technology companies twenty five years ago, the silver anniversary when we had the dot com bus at the turn of the century. Twenty five years ago. Doesn't seem possible. It's spent twenty five years, but it is. It's spent twenty five years. And you know, the market went down and NASDAC went down, but a lot of the companies that were in NASDAC

back then they disappeared. NASDAC today is a pretty pretty solid indeck. When you look at the at the companies that make up you know, the top holdings of NANA today, they are really just solid, solid holdings and nothing to be afraid of. We're not afraid of it. When you look at you know, the top ten holdings, you know,

they make up half of NASDAK. You got Apple, the Video, Microsoft, Amazon, Broadcom, Meta which is Facebook, Tesla Costco, you know a great company, Netflix, Google, Those are the top ten holdings and all of those companies. So when you buy qqq, the top ten, those top ten account for fifty percent of the NASDAK. So when you're buying QQQ, you're really getting a good allocation towards those top ten companies. And a lot of those companies

are what we call the Magnificent seven. Once again, these Magnificent seven companies have done extremely well and there's nothing to be afraid of them. Sure they've done better than the overall market, yes they have, but it's there's good reason why. You know, Apple has one of the most loyal customer base out of any any retailer. And they're not just in the selling iPhones, iPads, watches. They're into so many other services. It's our number one holding Amazon.

Same thing, when you buy Amazon, you're not just buying somebody who's going to ship you groceries or clothes or whatever you order on Amazon within the next day or two. You know, they're in the web services, They're in a whole lot of different things other than just you know, shipping items that you need that you can return if you don't like. So those are our top two holdings

in our portfolios, and I'm very comfortable having those. So you got Apple as the number one holding in NANSDAC represents about nine percent and the video represents just over eight percent. Microsoft about seven and a half percent, in Amazon just about six percent of NASDAK. So when you're

buying QQQ, you're really getting some good companies. If you don't want to buy individual stocks, you can buy QQQ, and it's almost like you're buying those individual stocks because, as I said, the top ten holdings of NANSDAK can count for fifty percent fifty percent of QQQ. There's nothing wrong with that. So yere to date, so we had a good week in the markets. All the indexes were up, including the Russell two thousand. Now, hold on to the seat of your pants. I told you QQQ was up

two point nine percent. Russell two thousand was up point zero one percent, point zero one percent, So you didn't make a whole lot of money in Russell two thousand, but it wasn't down. And we need that index to start shining because that means that the entire mid caps and small caps are taking part in the rally. So here to date you have the Nasdaq Composite up three point seven percent. QQQ is up five point two percent. So those hundred largest companies you're to date up five

point two percent. S and P five hundred up four percent, the Russell two thousand up two point two percent. It's positive, not as not doing as good as the broad stock market, or as there's back one hundred but still doing good. If you look at the rest of the world, the rest of the world without this great country of ours, so all the other countries and the developed nations up six point nine percent, first time that we've seen that outperform the SMP. Now does that mean I'm looking to

RUSSI into international holdings. Absolutely not. I feel that we we get great value in stocks that we buy, so we aren't invested overseas. I don't know if we'll get back into foreign investments, but now as I sit here, we don't have any plans to get back into foreign investments anytime too soon. And emerging markets are actually outperforming the broad Stock Market Index up four point six percent compared to the SMP. You're to date up four percent.

So there you have it. Those are the major indexes. So it was a nice week with a lot going on on the individual stock side of things. You know, Trump paused Foreign Corrupt Practices Act Enforcement for six months, gave Elon Musk his partner in crime, who's overseeing DOGE the you know, basically, you know, Elon Muskers is in charge of hiring and firing across the government, and he is really shaking things up. We have a lot of

waste in our government. And if you're a federal worker, a couple of things have happened over the last few weeks. One you can't work from home anymore. You're coming into work or you won't have job. And two you may not have a job anyway, because if those feels that, you know, there's unnecessary jobs out there. If there's waste, he's going to cut especially when it comes to the IRS.

You had the last administration that wanted to hire eighty seven thousand new IRS enrolled agents, and right now this administration is firing people in the IRS. So there's a lot of there's a lot of trimming, and that's not a bad thing. Folks. Whether you like Trump or not, I really it doesn't matter to me whether you like him as a person, whether you like him as a Republican, it doesn't matter. What matters is he's looking at this country like a business and we haven't had that in

quite some time. And there's nothing wrong with that. Good business people make smart decisions. Because he is going to run this country like a business. And if there's waste, guess what the waste is going to go away or be trimmed. Down.

the tariffs. I'm not afraid of what's going on in Washington. I think it's going to play out to be refreshing for this country. The Justice Department this week told Apple and Google it wouldn't be prosecuted for restoring TikTok to its app stores. So for you TikTok fans, go and download the app or you want on Apple and Google platforms,

you can do that. The Wall Street Journal reported the White House was, you know, basically looking at folding the FDIC into Treasury once again, trimming meta platforms, which is Facebook twenty days in a row, it's been up twenty days in a row. Go Who would ever think you know? It was huge? Folks. I'm gonna take a quick fifteen second break. The phone lines are open. If you have any questions, any questions whatsoever, give me a call. One eight hundred eight two five five nine, four nine, one

eight hundred eighty two five fifty nine forty nine. There we go, little music, a little break. Thank you, folks for letting me wet my whistle. As I said, the phone lines are open. I would love to talk to you. One eight hundre under eight two five five nine four nine one eight hundred eighty two, five fifty nine forty nine. Any questions whatsoever, give me a call. Anything I can help you out with pertaining to your financial situation. I

like to say you get one opportunity to retire. And you know this isn't a cardinal rule, but if you're not saving ten to fifteen percent of your paycheck and you haven't done any serious financial planning, more than likely you're not saving enough, folks. And I know ten to fifteen percent sounds like a lot, but I can assure you try it if you're only saving three, four or five percent go into work on Monday and let hr know you want to do ten percent or better, yet

fifteen percent. I assure you, for the first few paychecks you will not like my advice because you're going to have less money to spend on frivolous things. But after a few paychecks, listen, we we it's human nature. We get used to spending what we have in our pocket or in our checking account, right, you get used to spending that. So if you have less money there, you'll still spend what you have. But the key is you're

paying yourself first. You're saving money towards retirement. There's nothing worse than making it to retirement age and not being able to retire. If you're relying on social Security, you know this year, the average social Security check is about fifteen thousand dollars a year, So if you're married, you know your in your spouse maybe thirty thousand dollars a year. Some people will be less, some people will be more,

but that's not the average. So if you need more than thirty thousand dollars a year to retire on, you've got to draw from your savings. That means you have to all those decades that you were working, you need to start putting some of that money away. That's why it's important to save. So go into work and tell your business office you want to save warren to your pension plan, especially if they're matching. For instance, if you have a match up to six percent of your salary,

that's free money, folks. There's nothing better than taking money from the boss. And if the boss is willing to give you an incentive to save for retirement, take advantage of that, that's like a raise. And if you're only saving two to three percent and the incentive is up to six percent, which is on average what most matches are, make sure you're at least taking advantage of that match.

But try to do ten to fifteen percent. If you're not doing that, much more than likely you're not doing enough. One eight hundred eight two five, five, nine four nine. Let's go to the phone lines where we had Ron in Queensberry. Good morning, Ron.

don't care what's going on. So so I'm very very pleased that we we got a chance to join your company. And so, you know, not now I don't even care anymore. So but one quick question she had that we also set up a taxable Schwab account, and so she right now the CD came came to do, so we put it into the Schwab cash uh uh And and so Ed gave us, uh, you know to because we already set up where it goes. But now she has this money in cash. And so there's two funds, which is

Q is one of them. And my question to you is, regardless of what the market is doing on Tuesday morning, should we just you know, put everything into those two funds that he gave us and don't even look where the stock market is right now?

whether it be for their children or their grandchildren. We you know, we met with a family this week and we told them, listen, your children and you know, when they graduate from college, and your grandchildren when they get to that age, use us. We have. There's a reason why I'm surrounded by twenty professionals. That's because I continue to invest in my firm and invest in human capital so that we can better serve our clients. So Ron is a is a client, and Ron that's that's what

we do. So Tuesday morning. Yes, believe me, it sounds good the dollar cost average, and if you're lucky, maybe it works. If you're unlucky, maybe it won't work. But it feels good. But I can show you a lot of statistics that show putting that money in, getting that money to work is better for you than dollar cost averaging, especially since the Great Recession ended over fifteen years ago. Seventeen years ago, you know, the Great Recession ended where

the stock market was down fifty percent. You know, we've had an unbelievable fifteen years and the average returns in the stock market have been so much better than long time over the last ninety to one hundred years. So it's been a good run. And if you've been invested, you did well in if you put your money in ONMP sum. So what happens ron, Let's make believe your daughter goes all in on Tuesday, because the markets are

closed Monday for the holiday. So if your daughter goes in on Tuesday, if the market has a correction on Wednesday, your daughter has time for that market to recover. I'm not worried about your daughter going into the market putting that money in and at her age. Listen, at my age, I'm one hundred percent invested in the stock market. At her age, there's absolutely nothing wrong being invested. And if you're just going to have two holdings, I would choose

either the Total stock Market Index. We use the swab Rug stock Market Index SCHB is the symbol, and sometimes we use the Vanguard Total Market which is vas in Vanguard TIVTI. They both measure the same thing, and it's a little better than the SMP. We feel because with the SMP you're just getting the five hundred largest companies. With the total stock market, you're getting not only the largest five hundred, you're getting the next four hundred, which

is considered the mid Camp index. And then you're getting the next six hundred companies, which is considered the small Camp index. So that's why we like that. But yeah, I would, I would go in. Don't even think twice, you know, I think that's that's the way to go. Folks were coming up to the bottom of the hour. Ron thank you for calling. You're listening to Let's Talk Money, brought to you by a Bouchet Fin answer group, where we help our clients prioritize their health while we manage

their wealth for life. Please, if you have any questions, any questions whatsoever, give me a call. I would love love to talk to you. And the phone mines are open one eight hundred eighty two five five nine four nine. You can call during the news break one eight hundred eighty two five fifty nine forty nine.

why ended that on Friday? Right? Happy Valentine's Day weekend. Thank you for tuning in. I can't thank you enough for tuning in. I love I love doing the show. I am with you this weekend, and I would love to talk to you. I'm not sure we can help do. Ron who who was a client who called in and just you know, praised our firm, and that makes me feel so good. We try to do such an awesome job on behalf of our clients. We really care for our clients. We take care of our clients like there's

no tomorrow. As you know, we had a couple initials this week and I told prospective clients of my money is invested just like our clients. And it's just a beautiful thing to be able to say to a client, you're invested just like I am. I wouldn't listen. I'm a foodie. I love to cook. I couldn't imagine inviting you to dinner and cooking something different for me than I'm cooking for you. We're going to eat the same meal, man, jaman Jamanja right, we're going to invest together as well.

I wouldn't have my money invested any other way other than right alongside my clients, and that's important. There's a lot of wealth advisors out there that don't do that. The only difference is, you know, my investments are one hundred percent investment in the stock market, I'm very comfortable with the stock market. I could care less if the stock market goes through a correction or you know, bear market,

because it always recovers. So as long as I don't panic and have any neat jerk reactions, which I don't. Thirty five years in business, thirty years with you on the radio, I've been advising the listening audience for thirty years on radio. Doesn't seem so long. Some people get tired. I don't get tired. I get energized coming in because I know I'm helping you. I know, you know when people come in and they say, I've been listening to you for a long time, and I truly, you know,

respect what you say. And when callers like Ron, after listening for a long time, finally came in, kicked the tires, looked under the hood like what he heard, liked our story, like how we work with clients, and then for him to praise us like he did, that's the best compliment that a client can can give us, that in referring family or friends to us. So the phone lines are open, folks,

and if you have any questions. One eight hundred eight two, five, five, nine, four nine, one eight hundred eight two five fifty nine forty nine. Any questions whatsoever, I would love to talk to you. So first half of the show we recap what went on last week. A couple things this week. Monday, Remember sleep in, don't get up and check your portfolio. I guarantee you you will not lose anything on Monday because the markets are closed. Both stock and fixed income

markets are closed on Monday. So I guarantee you you're not going to lose any money on Monday. No matter what you think, I guarantee you you won't lose any money on Monday. That's a beautiful thing. Boy, I sound brilliant, don't I I like being able to give those guarantees. Tuesday, we got earning season winding down. We got about forty of the five hundred companies that make up the SMP. They're going to report this week, and you know a

lot of the big companies have already reported. On Wednesday, you got the Federal Open Market Committee releases the minutes from its late January Monetary Policy meeting, and that's always nice to see what the Fed said in their meetings. So that'll be released on Wednesday. We'll see what they're thinking. On Friday, we got a couple more reports. You got the SMP Global releases both its manufacturing and Servicing purchasing managers in decks for February. The estimate, we'll see what happens.

Come back next weekend. I'll tell you if they were writer or not. The estimate is for a fifty one point one reading for the manufacturing PMI and a fifty three services PMI. That compares with readings of fifty one point two and fifty two point nine, respectively in January. Then you had the National Association of Realtors reports existing home sales for January. Economists forecast to seasonally adjusted annual rate of about four point one three million homes sold

about one hundred thousand fewer than in December. And listen, in twenty twenty four, existing home sales hit their lowest level since nineteen ninety five. Mortgage rates are up, folks. Listen, we lived in a time where if you were saving money, you weren't being paid anything on your savings. You were buying CDs and bonds paying next to zero, and mortgage rates were, you know, two to three percent. It didn't get any better than two to three percent. Now you

got interest rates. Listen, you can buy a US tenure Treasury yielding almost four point five percent of one year yielding four point two percent. Money market accounts are yielding over four percent, and mortgage rates are close to seven percent depending on what type mortgage you get, And that's really one of the biggest reasons a lot of people can't afford to buy a home because mortgage rates, you know, just going from two to three percent to closer to

seven percent in the mortgage. You know, you're you're adding one hundreds and sometimes thousands of dollars to your monthly payment just because mortgage rates are up. So there's a lot of people that can't afford to go out and buy that home that they wanted to buy, and a lot of people that maybe were buying second homes put it on hold because the mortgage rates are so high they just want to wait till it comes down. I'm

not sure how much it's going to come down. I thought we were going to have more cuts, but we had a hotter than expected inflation report this week, and the Fed, I think is going to seriously you know, look, we've at their last meeting. They pause. So we had eleven interest rate hikes and then we had followed by three cuts at the end of last year. In January, they paused. That means they didn't cut nor did they raise interest rates. Because they're looking at things. Inflation is

coming down. Remember it was nine point one at its peak a few years ago and down. You know, right now we're hovering around three percent. The Fed wants to get it down to about two percent. Why. I have no clue, folks, when you look at inflation over the last ninety hundred years yielding around three point four percent, absolutely definitely over three percent. Why does the Fed have a two percent target in mind? Because they got spoiled

they're supposed to listen. These are economists that really never left college. They had their nose stuck in their textbook, still looking at data, and haven't helped them lift their head from their nose. You know, remember when they thought inflation was transitory and inflation was hitting nine point one percent because they had their nose stuck in the textbook.

These are economists. There's a reason why corporations don't like to hire economists because, you know, as Truman says, show me on one handed economist, it's it's always on one hand this and on the other hand that it's the way it is. Truman nailed it there. An economists will not give it to you straight. It just they just don't know how to give it to you straight another you know. Listen, we talked a little bit about about

the the Elon Musk and Doge. He is actually questioning, how do people that have been that have been in public service their entire life, not making much money, how do they have tens and tens and tens of millions of dollars networth? How do you do that when you're making just a nominal salary working for the government. You have to scratch your head. Maybe Elon Musk is onto something, folks. Listen, I've been managing money for clients for thirty five years,

helping clients for almost forty years. I know what it takes to become rich. You have to put money away and invest it in the right way. And if you're just making a nominal salary, you're not able to You can't accumulate that kind of wealth. And Elon Musk is going after these politicians, God bless him. He should be going after these politicians. There is something to be said about term limits where there's nothing wrong with business people getting into politics and getting out. Let them go back

to running their businesses. Business people know how to run business. Business people know how to run a government, not long term politicians who can care less about us. They spend our money. They spend our money like drunken salors in a port. So another quote that Harry Truman had, you can't get rich in politics unless you're a crook. Let that sink in if you're against Elon Musk going in to look at how did these politicians get so rich.

You can't get rich in politics unless you're a crook. Boy. I sound negative, don't I? But it's a true folks, it's the truth. Don't be offended by the truth. There's a lot of good that's going to come out of looking under every rock, every stone, and that's what those is going to do. And if we can cut our deficit and trim that thirty six tr dollars, that's how much we're in debt, and with higher interest rates, believe me, with that hotter than expected inflation report, you know the

Fed made pause again. They may not be cutting which means mortgage rates are going to stay in the six to seven percent range, maybe a little over seven percent, depending on where you get your mortgage. That makes it expensive to buy home, makes it expensive to buy a second home. First time home buyers are struggling. And this is why more and more people are renting. This is why you're seeing so many apartment complexes going up. Just

look at historic downtown Troy. How many apartment complexes are are going up. And I'm going to upset some people when I say this, I am not a fan of pilot programs. You know, payments in lieu of taxes. That means that a lot of these developers, they cry poor mouth and these suckers that are running the IDAs that have no clue, none whatsoever, are giving these developers pilot programs because they promised, oh, we're going to be good

for your economy. We're going to in the historic downtown Troy, no less where people would love to have. You know, the historic downtown Troy is coming back, and we're giving out these pilot programs left and right in lieu of taxes. And those suckers like me who are paying their fair sheriff taxes because I own an expensive brownstone and paying way more in taxes than I should because all these developers are getting deals, deals on top of deals on

top of deals. So there you have it, folks. That's my take on the IDA board. I actually served on it in Troy a long, long, long time ago, and I had to get off it because it just made me sick that we were giving these pilot programs out to developers. These developers would build in downtown Troy regardless of a pilot program, but they're not paying their fair share of taxes. And the rest of us are in cities like Troy, especially where you have a lot of

non for profits that aren't paying taxes. It makes it difficult. Listen. I'm all in favor of pilots. Put a pilot program for South Troy that is just disappearing before our eyes are North Central where you know, the gunslingers are out, you know, having a shoot them up, you know at night on the town. You know, get pilot programs for those areas, but not in an area that is a destination spot like historic downtown Troy or even downtown Saratoga,

downtown Schenectady that are thriving. There you have it, folks, I'm against pilot programs. I'm against people not paying their fair share of taxes, these developers that are making money left and right. Oh boy, I sound negative. I'm so sorry. I'm just trying to make sense of taxes and why we shouldn't be paying any more in taxes than we need to. The phone lines are open one eight hundred eighty five five nine four nine. Let's go back to

the phone lines where we have Lisa in Delmar. Hello, Lisa, good morning, Good morning.

of the aisle. They may roll up their sleeves and duke it out behind closed doors, but in front of the public, they came out holding hands, hugging each other and kissing each other's cheeks.

trillion dollars in debt. We can't continue in that way. So I like what I see and that's why I'm optimistic on the stock market. Lisa, thank you for calling in, thank you for your comments. The well, stay healthy eight hundred eighty two five, five, nine, four nine. Let's go back to the phone lines where we have Daniel in beautiful some of the beautiful, most the most beautiful countryside in the area in upstate New York, Cobylskille, New York. Daniel, what can I help you with today?

the men who think they dominate the relationship. And whenever we have a new client and they say, oh, my wife doesn't have to come in, I stop them dead in their tracks, I say, oh, yes, she does have to come in. I believe in women and wealth. I believe in helping women be more financially independent and help them know what's going on. And the more I can do that, the more proud I am to be able

to do that. And there's a lot of men that are still chauffingistic that shouldn't be when it comes to financial matters and when it comes to when it comes to the the you know, dying and not having a clue where everything is. Listen, I lost my wife last year and I've been advising clients helping them for thirty five years. Until I lost suit Daniel. I didn't realize just how much goes into settling in a state and kind of wrapping things up and dotting the eyes and

crossing the t's. I just never realized what went into it. So, you know what, if you're helling out some widows and Cobel skilled, God bless you and I admire you for that, Keep up, keep up the good work. And if there's anything you think I could say on the radio, give me a call now and then and let me know so that I can help those widows as well. There's nothing there's nothing better than helping people with their financial matters. Daniel, thank you very much. One eight hundred eight two five

five nine four nine. Let's go back to the phone lines we have Lisa. Yup, Lisa's gone one eight hundred eight two five five nine four nine. Any questions whatsoever? Folks, give me a call. Love to talk to you, and you can go on our website. You know, listen our website. Wait till after the show. But our website has a lot of good stuff on it. I told you I have twenty professionals that I'm surrounded by, and they are so talented, and we have I'm looking right now the

top three things that pop up on our homepage. Should investors be concerned about the rising US national debt? Ironically I just talked about that. Yes, they should be. John Malay, who's a CPA, he's my COEO on my leadership team. He recently wrote something Samantha Macy CFP, how to maximize your retirement savings this year beautiful, beautiful, beautiful article a new Year, New Texas. What can I do? Vincenzo Testa, another one of my advisors CPA and CFP and Eca

you know, Vinnie is so committed to to listen. There's a lot of advisors out there. We had two clients. One of the best best compliments I can get is when when when prospective clients come to us. And we had two prospective clients this week come from us to us from the same firm, and as they said, you know this firm, you know they don't have any cfps. These people haven't put their time into doing the right thing and paying attention to their career. I have ten

certified financial Planners cfps. I have four CPAs, two I R s and roll tax agents, and probably a gentleman who used to work with me a long time ago, and I love, love this guy. He called me yesterday and he's helping out as sad sad stories, helping out this woman who he's friends with, whose husband has you know, basically Alzheimer's and unfortunately a mid sixties and she's trying to do it all on her own and just isn't getting the advice from their current advisor. And he asked

me if I would help her. I said absolutely, I would help her. And you know, just there's nothing that breaks my heart more than seeing people that need help that aren't getting it. Listen. You could be working with a big financial service firm like Marill Lynch or Wells Fargo or all of those firms. And when you go in you think you're doing business with thousands of thousands of thousands of people. You aren't. You're doing business with a broker. Maybe that broker has a partner, and maybe

they have an administrative assistant. So you got one or two or three people. That's who you're working with. I got twenty professionals, twenty professionals in my firm, and we really take pay attention to our clients. So go on our website Bouchet dot com. You'll get some information. Folks. I can't believe the end of the show is coming up. You are listening to Let's Talk Money, brought to you by Bouchet and and Group, where we help our clients

prioritize their health while we manage their wealth for life. Folks, go to our website bouchett and if you want to, you know, come in for a free initial consultation. Please come in, take take advantage of it. There's no charge. See who we are. If you're not getting the advice that you feel you deserve, or you're doing it on your own and you want some help. Let us take a look, analyze things, tell you what we can do. Folks, have a great, happy Valentine's Day weekend. Thank you for

tuning in. Bye bye