Jason: [00:00:00] Outsourcing portfolio research and implementation to a TAMP can cost an advisor 50 basis points or more. Ouch! What if you could get the same time savings at a much lower cost? At 15 basis points or less, we offer a state of the art model marketplace, automated rebalancing, and back office tech to help you run your firm so you can ditch your TAMP and save money without missing a beat.

For more information on how Altruist can help you, visit www. altruist. com/ podcasts. Altruist Financial LLC member FINRIA SIPC.

Dasarte: Welcome back everybody to The Advisor Journey. It's your cohost Dasarte Yarnway and today's conversation with Candice Carlton is one that you need to listen to the whole episode. I thought we were going to talk about marketing, but we ended up talking about the deeper reasons why advisors are in their own way and how they can remove themselves and to be better advisors. So sit back, relax and press play. I'm sure you're going to get a ton of value from this.[00:01:00] 

Welcome back to another episode of The Advisor Journey, and we have a special one. If you've been to the Altruist Academy, you've probably seen her speak on stage. If you go to industry events, you've probably seen her on stage or walking around the hotel lobby. I'm happy today to have Candice Carlton join me on the podcast.

Candice, how are you doing today? 

Candice: So happy to be here. That was like such a fabulous intro. If you see me walking around the hotel lobbies at industry events, come say hello. 

Dasarte: Yeah, please do. It's a pleasure to see you. And first and foremost, I just want to say thank you for your partnership through Ficomm and for being at the Altruist Academies, all of the advisors after you speak, they're like, that was awesome, right?

The engagement and just the perspective is super valuable. And hopefully today we have that same effect. But for those who haven't seen you on stage or haven't seen you at an industry event, why don't you go ahead and give them a brief introduction about who you are and what you do. 

Candice: Hi, everyone. I'm Candice.

My role at Ficomm [00:02:00] is I'm Head of StRIAtegy, Ficomm's a marketing firm and we help advisors drive organic growth with the power of their marketing. I have spent my entire career in the RIA space. I worked at Mercer Advisors, United Capital, and at Ficomm. I've had the privilege to work with hundreds of advisors and RIAs of all shapes and sizes across the country.

If you hear a little bit of an accent, I always like to give it a little bit of a heads up because you might be wondering, where is she from? I'm originally from Zimbabwe and I went to school in Cape Town, although I sound mostly American today. 

Dasarte: Tell me a little bit about that upbringing and that background and how did all of that land you in the RIA space?

Candice: So I went to university at the University of Cape Town and I studied finance and economics. And upon graduation, I actually was like, I'm never going to work in finance. Like it's too male dominated, it's too cutthroat. I had visions of working in fashion. I felt like devil wears Prada, Vogue type vibes.

And I moved to the States. I had family in [00:03:00] Santa Barbara and I actually started doing a lot of interviewing and recruiters started to recruit me for financial firms given my degree. And one of the companies that wanted to hire me was UBS. I got a lot of job offers. And I remember thinking to myself, if I take this job, I think my soul is going to die, right?

I didn't know about the RIA space at all. And at the time, I didn't know what I was going to do. So my sister was working at Nordstrom and she said, come work with me at Nordstrom. It's fun. So I thought that'd be like a fun thing to do. And it was until one month, I actually couldn't pay my rent. So I don't know if you know this, but for Nordstrom, you can return anything at any time at any store in the country.

I think that's common knowledge. What you might not know is that they actually call back the commission that the sales people have earned. So it was February after the December rush, it's like retail, they call it like return city was happening and I couldn't pay my rent and I thought, goodness, I better get a job, like a more serious job.

And I went to [00:04:00] interview at Mercer Advisors, which was in Santa Barbara at the time. I think it was a 3 billion RIA. I don't even know what they are right now. It's so huge. And I interviewed for a role in the investment department. And my boss to be was a woman. She was 30 years old and she was overseeing the Investment department.

And the team was really diverse and dynamic, and they talked about this idea of helping people align their money with their values and their aspirations. And I thought to myself at the time, okay, this is something I can get behind. This is something I can explore. So I started at Mercer Advisors in the Investment department.

I was actually there for seven years, had all kinds of roles and jobs. And even when I think back when I was in university, even studying finance and economics, I never learned what an IRO was or retirement. And so I had the education and a really fantastic education of RIA space at Mercer [00:05:00] Advisors and just fell in love with this idea that money creates freedom and possibility for people.

And that's what our space and financial advisors are committed to. 

Dasarte: Yeah. I like to tell everybody that being in finance is my MBA, right? It's taught me so much about money, about myself, about how the world works. And anybody that is taking advantage of a job in the space, they should be learning as much as they possibly can, especially as things are super fast changing.

How did you get to strategy from there? 

Candice: Yeah. So it's a really interesting journey. I started exploring lots of options. I was like, do I become a CFA? Do I become a CFP, right? And so I actually started down the route of becoming an advisor and I was halfway through my CFP and I was getting a lot of job offers on business development teams and I got to estate planning and I just had this moment where I was like super clear, this is not for me.

Dasarte: Yeah. 

Candice: This is not for me. And it confused me because I was like what am I going to [00:06:00] do? Like I've studied finance and economics. I've had all this work experience. It's the industry that I know. And now I'm not clear what I'm going to do. The truth of the matter is at the time I looked at the financial advisors around me and they were all fantastic, but there was no one that I looked at and said, I want to be like this person.

So then I was left in the space of, okay, what are you going to do? 

Dasarte: What are you going to do? And you decided to go down the route of strategy. 

Candice: No. So I think there's two pit stops along the way. 

Dasarte: Tell me about those pit stops.

Candice: So at the time, LearnVest had just launched. And if we all remember LearnVest, they were like the original type robo.

Their CEO was 28 years old, like very femme, like they started for finance for women. And I was like, this is it. I actually networked my way into a job there, and then at the last minute, they were like, we need you here in two weeks, you're going to start the job, everything's amazing. And it was everything that I thought I'd wanted, like I went into their [00:07:00] office in New York and there were just benches of tattooed developers.

And she was 28 at the time in a dress, going to go have dinner with the CEO of TD Ameritrade. And I was like, this is something different. This is something I can relate to. This is something I would like to be in. It's ironic, right? Because we're sitting in the space of ultras where that is true now too.

But at that time, that was like quite record breaking and like disruptive. And they offered me the job. I accepted the job. I actually negotiated the salary. And then that night I went to bed and I woke up in the middle of the night and I started dry heaving, like with anxiety. And all of a sudden I like was like, this isn't for me either.

And so then I was like, 

Dasarte: Wait, take me back to that night. 

Candice: Yeah. 

Dasarte: What about that night made you feel like this isn't it? 

Candice: It started my journey of really listening to my body and my intuition because intellectually it was everything that I wanted. I always wanted to live in New York. I wanted to work for a company like that.

[00:08:00] And yet there was something that was out of alignment for me. And I didn't know what it was. And so it was this pivotal moment of if you can get everything that you want, that in your mind you think you want, and then you get it and it doesn't feel the way that you thought it would feel. What does that mean?

And we'll tie this to marketing in a moment, but it's true what I found that lesson and how it continued throughout my life is relevant to advisors and to businesses, which is it doesn't matter what advice the best professionals give to you. If it doesn't feel right to you, then it's not for you, right?

So I had been chasing this intellectual idea of what I thought was cool, of what I needed, of what I wanted. And so that moment I really began the journey of asking myself questions that I'd never asked before. What are you meant for? What brings you joy? And most importantly, [00:09:00] how do you find inner peace?

Because that was a moment where truthfully, I started to really struggle with anxiety. And I went to go work for United Capital, which was such an incredible opportunity. And even as I took that job, I had no job description. They were growing RIApidly. It was like a super exciting opportunity. A lot of the work that I'm actually able to do now is thanks to that experience at Mercer in the investment department and United Capital in the growth department.

But throughout that whole journey, I was asking myself, what are you going to do? What are you going to become? And I had anxiety. I had panic attacks in the bathroom at work. I had dehabilitating insomnia. And I'd done a lot of reading. So a lot of reading by Deepak ChopRIA and all these different spiritual leaders and teachers.

What they said was, ask for a teacher. Just put it out into the universe. Ask for a teacher and a teacher will come. Ask for the answers and the answers will come. And so [00:10:00] I was doing everything. I was meditating three or four times a day. I was going to acupuncture weekly. I had no stimulants in my diet and I was still struggling with anxiety.

And so the career choice that I made was, Candice, let it go. Stop putting so much pressure on yourself to figure out what you're meant to do or what it's supposed to look like. Trust the universe and seek joy. And so what I noticed was when I went to yoga, I felt different than I felt anywhere else.

That's all I knew. So I kept going to yoga and I became a yoga teacher. At work, one of the problems that I was tossed with solving was we were growing so rapidly that our advisor offices couldn't keep up with changes in strategy or our platform. So they weren't adopting updates to the investment platform or the client experience.

And so my boss at the time who was head of growth, he said, Candice, I need you to be more visible. I need you to solve the communication problem and I need you to create culture. And I wrote down these [00:11:00] three things and I was like, does he know I have a finance degree? I don't know how I'm going to do that.

And long story short, I called my best friend at work. His name was Brandon and he was responsible for the wealth advisors. I was responsible for the managing directors and he was having the same issues. And I said, let's partner. And he said, why don't we do video? So this is 10 plus years ago, just following Joy, not trying to be too serious about things.

Him and I came up with this concept of UC News In Two, which was going to be everything you needed to know about the company in two minutes that we were going to send to the advisors, our TV show. This was 10 plus years ago. We shot it on our phones. We added Tupac music to it. He edited it. We spoke to advisors like we spoke to them every day.

So very loose, very colloquial. And we started sending it out. The advisor loved it. The CMO kept going to our CEO to shut it down because she said it's not on brand and it wasn't. But what I discovered in that moment that I think a lot of people with extensive or traditional marketing backgrounds hadn't [00:12:00] yet seen is we were just speaking to advisors like we speak to them every day.

We were having fun. We were trying something new and it was our essence of authenticity that started to connect the advisors. By the time I left, we had two professional video studios. Everything we did was with a video first approach. We built United capitals, digital network. At the time we wanted our advisors to be using video with their clients and a video messaging tool didn't exist.

And so we built one in house and we were the first to go to the SEC and say, how do we archive this amount of video? And they were like, no one's asked us. And so that was a very convoluted path to discovering that my gift is in helping people connect with each other, which is what modern day marketing is.

Dasarte: Yeah, absolutely. There's a lot to unpack there and I just want to go step by step and try to add some additional value to the advisor. So if you're listening. I think that a lot of [00:13:00] advisors struggle with anxiety, number one. They struggle with the fact that they have imposter syndrome. Yes. They struggle with taking a risk and trying new things.

And they struggle to find purpose. Is this really what I'm meant to be doing? A lot of the times advisors are chasing shiny new objects. They're just trying to throw things at the wall and figuring out what sticks. And that can cause a lot of frustration internally and a big search for what it is they should truly be doing.

I don't know if you see that, but just offer some advice to advisors that might be struggling because there's been times in my career where I'm like, I can do this, but it doesn't mean I should do this. And that really started the exploration for me. So why don't you go ahead and get some tips since you've gone through the journey and have come out on the other side of how advisors can beat that feeling of lack of purpose or lack of underutilization of their talents.

Candice: When I worked at United Capital, we used to travel a lot to do business check ins with all our different offices. So we'd be in an area and we'd maybe see three or four different offices in a day. And then we'd have a dinner with everyone. And advisors would still be talking to me about their [00:14:00] portfolio accounting software at dinner.

And I was like, Oh, we need a break from this. And so I would start to tell them about meditation and I'd ask them about their lives. And what I soon discovered is a lot of advisors struggling with anxiety. At that time, meditation was less acceptable. So it was people were doing it undercover. Taking meds to sleep, trying to find their purpose.

So I'd say to all advisors out there, I've workshopped and worked with so many of you. What I've come to discover is there's a very inherent reason why you became a financial advisor. So you could do any career in the world. It's not because you're good at math, it's not because you thought it would be a good opportunity to provide for your family, although all those things may be true.

When we dig a little bit deeper, and Kinder, I'm such a big fan of his work, really the question that I've discovered every advisor can answer really powerfully is, What is your first money memory? And what you start to discover when you answer that question is there's a deep heart rooted reason why you do the work [00:15:00] that you do.

So returning to that again and saying, is the work that I'm doing every day in alignment with that purpose? So I wanted to help. So if I think about myself, like, how did I end up in financial services? I came from a generation of women whose mothers got divorced, right? And then they had to figure out what to do with their money.

And a lot of them hadn't worked. So I decided money is freedom and independence. And so that's something that I'm going to focus on and I'm going to value. So really returning to that and saying, does your day to day and your practice represent that, and then in turn does your marketing represent that, and then going back to the other tips is Everyone has to be engaged, in my experience, in activities, and it could be meditation, it could be running, it's definitely some sort of spiritual practice, whatever that looks like for you, that returns you to that state of inner peace where you feel more like [00:16:00] yourself than anywhere else and what I have found is I don't know how you don't go crazy. or struggle with anxiety unless you have some kind of daily spiritual practice. For me, it's meditation. For me, it's yoga. It's study, like studying all different theologies. And for me, it's taking lots of moments of silence. So even though I appear very extroverted, I am. In the morning, I need an hour or two where I'm drinking coffee.

I'm meditating. I walk my dog. I journal. At the end of the day, my phone is on do not disturb past seven, right? So figuring out what really works for you and realizing that it's not really a choice. You have to have those types of practices, whatever they look like. 

Dasarte: Yeah. It's funny. I was talking at the most recent Nitrogen Fearless Investing Summit down in Nashville, Tennessee.

Nashville is an awesome town, by the way. 

Candice: It is. 

Dasarte: So I'm there and my whole conversation was on hidden growth levers or advisors to optimize growth. Yes. And it had nothing to do with growth. Finance for the most part, right? It was, I had this [00:17:00] like triangle and it was dissected into three parts and it was founder, interest, and then business.

So for the advisors that love people and want to help start with you. Like, why did you get into it? Like we were saying the same thing, right? What was the motivation for you to even say, Hey, I'm RIAising my hand and I want to pursue a career in financial advice. Then you have to find your interests.

Because you have to wake up every day excited about doing the work, no matter what work you're doing. And I think when you stop being excited, Jason says this all the time, it's okay to say you've had enough. What is your interest? For me, I've gone through phases of different interesting topics that I've decided to focus on, whether that's serving business owners or people that work in equity compensation.

And then between those two things, creating a business model that works. for my interests and for the type of founder that I am, right? So I think it's super important for advisors to find the right blend so they can feel fulfilled day to day with their jobs. And if this isn't your interest or if this isn't for you, I think you did the bold thing and you said that this is not for me.

That's very noble of you. [00:18:00] 

Candice: I think what's most true, and if I think about my gift and why am I here? I think about my goal is to let people know that there is a space for you to be authentic and that when you're not authentic, you actually miss out on others receiving the gift of who you are and the special talents that you have to contribute.

Dasarte: Agree, agree. And that's something that hurts me when I can sense that somebody isn't being authentic. You know what I mean? 

Candice: We're not taught to be, right? We're taught to pretend. 

Dasarte: I want to ask you a question about marketing. This is supposed to be a marketing conversation, Candice. 

Candice: I'm going to circle it back to marketing all.

I promise. 

Dasarte: We're talking about all this other stuff, but obviously you learned a lot about video communication and how that can drastically optimize an advisor's growth in their practice. Can you share and break down the importance of video or any sort of content for the advisors who may be listening today?

Candice: Yeah, so I think this comes all back to what we've been talking about. When you think about the [00:19:00] role of marketing, what you're really doing is you want to articulate or demonstrate externally what the experience would be in working with you, right? And so there's hundreds of financial advisors that any prospect could choose to work with.

And when they're going online to validate you or figure out who you are and what that experience would look like, what they're really filtering for is this someone that works with people like me? And is this someone that I could see myself sharing some of the truths about money and my aspirations?

Like it's quite a high trust relationship. And so if you're not showing up authentically, so it's back to like your gift, it's hard for people to recognize you as yes, you're the type of advisor that would work with me. And we all need someone that's different. So when we think about video. In my experience, it is the closest thing to meeting you in person.

So when you watch a video of someone, you can tell instantly by the tone of their voice, the speed of how they speak, the way that they hold themselves. You're [00:20:00] like instantly, yes, I like them or I don't, right? And so video gives you the ability to almost have that in person experience of meeting someone.

But at scale, online, so that by the time someone actually gets to meet with you in person potentially or via Zoom, they feel like they already know you. That's the power of video. Even if you think about using video with your current clients, if you're sending out videos via email, market updates, or things that are happening, or just you're starting to hear the same questions across client meetings and you send out a video, they feel like they've seen you in person more than they actually have.

Or even if you've got two meetings a year and you do them via zoom. If you're sending videos out to them in between that, they feel like they've seen you more, right? So that's like top of mind. So it's I call it the celebrity effect. It's if you ever run into someone famous and you're like, you feel like you know them, but like they're out of context, right?

That's the same experience. That's what we all have available to us in video. So we can create value. We can [00:21:00] educate, but also we can build trust and deeper relationships with people. 

Dasarte: Yeah, it's funny you say that. Jason started writing way back in the day, right? So this has to be like early 2000s or late 1990s when he started his financial planning firm and that led to him growing a firm that he eventually sold.

When I first started my practice in DC, I was new. I was like one of the only advisors really doing content as a primary driver in that area at least. And I would tell people all the time, like this is my virtual handshake. 

Candice: Yeah. 

Dasarte: This is what it is. 

Candice: Yes. 

Dasarte: Before they even meet me. 

Candice: Yeah. 

Dasarte: I need to be able to match this video with who I am so they feel like I already know you and I will tell them like 70 percent of the work is already done.

That was just scheduling an appointment, listening to the process, and then signing up as a client. 

Candice: We hear from firms all the time, can you teach our advisors how to ask for referrals or can we have sales coaching or what does that actually look like? If you're an advisor and it ties back to everything we are talking about and you share your why story.

And you share why you became a financial advisor, why [00:22:00] you're passionate about the work that you do and who specifically you do it for. And you had that in video form that sells you. That's it, right? You don't need fancy sales techniques. It's about authenticity. It's about connection and it's about resonance.

Dasarte: Yeah, absolutely. On that topic of authenticity, we struggle with this as an industry because everybody's trying to fake it till they make it. Everyone's trying to close the next sale. Everybody's trying to mirror the person that they might be in front of.

Candice: I hate that mirroring technique. 

Dasarte: With that being said, I know one of your things is being authentic.

How can an advisor practice being authentic? Because whether it's video, whether it's written, whether it's seminars, right? Authenticity is a superpower. But I feel like we have to unlearn some of the things that we may have been taught getting into the industry working at big firms, especially for people that have full independence over their bRIAnd and their firms to now implement that to really see the benefits.

So what are some steps that an advisor can take to be more authentic in their daily practice? 

Candice: I [00:23:00] was once giving a talk on YouTube for advisors and I said, just be authentic. And I was surprised that someone raised their hand and they said, how do I become authentic? Like, how do I actually do that?

And so I came up with a few ways that I think might be helpful. So this is the way to think about it. One, we actually have advisors in any of our workshops, what we say, and even our big clients, we say text three to five of your best friends or colleagues or people that know you well. And I want you to ask them three words that they would use to describe you.

Jot all of those down. And then choose the three that resonate with you the most. Then whenever you're creating content or you're showing up, you can reference that and you can say, am I being candid and confident or in creative? Those might be words that I choose for myself, right? Or all of a sudden, am I wearing a black dress because I think I'm in front of CFAs and am I being more demure because I think it's more appropriate?

Like you always want to be respectful of wherever you are, but like really going to the people that know you the best, look at that. So that's an opportunity. The second thing to think about is if you're creating content or you're going into [00:24:00] a meeting or you're feeling nervous about something, think about one person that you know really well that you would speak to where you're yourself, where you don't use jargon.

So for example, even if I'm creating videos or I'm doing a business pitch for the CEO of let's make it up. BlackRock. I can start to be very serious. Hello, Mr. CEO of BlackRock. It's Candace. I'm head of stRIAtegy and everything's very serious and I'm not as authentic and people can feel it so they don't receive my message as well.

So instead what I do, my best friend, her name is Kirsten. I call her Kirstie Mush. She lives in London and whenever I create anything, she's not in finance. She owns a Pilates studio. I say in my head, hi, Kirsten, and then I talk as though I'm talking to her. So referencing your keywords, it might be helpful, but then also thinking about someone you know really well and using this if you're speaking on stage, if you're creating content, if you're going into a meeting.

Another thing that seems so obvious is when you're in meetings, being present, just letting everything else go. [00:25:00] The best advisors I have ever met and I've had the opportunity to be in their client meetings. It's like theRIApy. They're talking less than 20 percent of the time. And we try to do that with our clients and it's, you have to practice it, right?

Because we just want to talk. But if you're just present with people and you listen, it's hard not to be authentic. So I think we're in a wildly different place than we were 10 years ago in terms of the way people dress, the way that they're showing up, the types of advisors. How they're owning different types of clients that they serve and being really specific about it.

And if you look at it, the truth is I always say to advisors, if we had a room of a hundred advisors and we got five highly qualified prospects that were looking for an advisor and we invited that into that room of a hundred advisors and let's pretend it was a cocktail hour, those five people are only going to be natuRIAlly dRIAwn to a few people in that room.

Yeah. Why is that? It's because we're all [00:26:00] unconsciously signaling to each other by the way that we dress, by the way that we hold ourselves, by the way that we speak our worldviews, so the things that we value. And we're always looking to match with people that have similar worldviews to us because we think that they'll understand us.

And so if you're not showing up authentically, the types of people that are looking for you won't be able to find you. And I think when you think about marketing that works and doesn't work, what's the marketing that works? It's authentic and you can feel the resonance. We can all tell when someone's selling to us or they're reading from a script or they are talking about something that they've read about, but haven't experienced firsthand.

There's just a vibe about it, right? Stick to what you're passionate about and what feels really good to you and then use some of those tools to be in the practice. 

Dasarte: Not being authentic is exhausting. I'll tell you that right now. That's enough reason to try to be It is exhausting. You can't fake it for that long.

Candice: No, you can't. 

Dasarte: If you try you're just gonna [00:27:00] ruin yourself because it's an act You have to remember who you are to whatever audience that you're speaking to every time you speak to that audience So that enough is an incentive to be yourself. We'll love you either way. Okay last question for you But before we get into our RIApid fire Q& A as you look back on your career journey You What are some big lessons with trying to align your work and your life with your values?

Candice: If it doesn't feel right to you, it's not right. You are the expert in your business. And so I think about this, as Head of Strategy, my job is to make sure that everything that we recommend to our clients actually drives to organic growth and results. But we do it in a highly consultative way.

Why? Because we could make lots of recommendations that would work. But if it doesn't feel right to you, it doesn't matter, right? So like really getting clear, if it doesn't feel right, then it's not right. And by the way, that is an inner guidance system that will help you potentially come up with ideas that no one else would have come up with.

Dasarte: I love that. Let's get into our rapid fire Q& A. [00:28:00] This is the time where we get inside of your mind to figure out what you're thinking and what you've been up to lately. I'll go ahead with question number one. It's what's the most exciting thing that you've read this week? 

Candice: Adam Grant, who is an educator and a writer, he actually posted something on Instagram about leadership.

I can't remember the exact stats, but basically he was saying the most successful leaders are ones that listen the most. And so I think like that reiteration of communication, we've got, we can talk a lot, but the most powerful place that we can usually be is in the listening space. 

Dasarte: Absolutely agree. What is one thing that you wish you could do differently in your career?

Candice: It would have been lovely if I had asked the question, what brings you joy much earlier. 

Dasarte: I agree with that one. Last question for you. What is a new hobby that you've recently started? 

Candice: So I've been working out at an NFL gym. It's quite scary. But it's weight training on a whole nother level. It feels like yoga to me [00:29:00] because they're so particular about your breath and calming your nervous system and engaging your entire body.

So I feel very out of place. But I like that feeling because I like that I'm around different kinds of people that I normally wouldn't be around. 

Dasarte: I love that. Candice, thank you so much for joining us. Thank you for having me. It's always enlightening when I get to sit across from you or watch you speak, and it definitely gives me the confidence to jump out there and put myself in front of the audience that I want to serve, but also to create my life.

Yes. And I think advisors have unique opportunity to do that through their businesses. So thank you for that. Where can people find you if they want to seek your counsel or learn a little bit more from you? 

Candice: I love hearing from advisors and firms across the country, so you're welcome to connect with me on LinkedIn, DM me.

You can find us at Ficommpartners. com. And we have podcasts, we've got consumer research reports, we've got a Dear Ficomm series where you can submit any marketing question and one of our coaches will make a video response [00:30:00] back to you. Thank you all for listening to another episode of The Advisor Journey.

Dasarte: This is always fun. And we have a new year upon us. It's going to be a year of growth and a year of a lot of goals being reached. Do me a favor, subscribe to this podcast, wherever you listen to the podcast, whether that's YouTube, Apple podcasts, Spotify, we love love, love to have your subscriptions and it helps us to do our best work for you until next time Dasarte and Jason Wenk checking out.

Thanks again, candice. 

Candice: Thanks so much.

Disclaimer: Thank you for listening to the Advisor Journey by Altruist. Don't forget to like review and subscribe for future episodes. Each advisor's journey is different and your results may vary. While we hope you find this information helpful, success cannot be guaranteed. Also, altruists and its affiliates do not provide tax or legal [00:31:00] advice.