Latest / Financial Planner Search / Architectural Wealth Design and the "Henry" Client with Jason Sherr | Financial Planner Search
Transcript
- Gregory Wilnau: Jason, thank you so much for coming on the podcast today. Jason Sherr: Thanks for having me, I appreciate the time. Gregory Wilnau: Yeah, absolutely. I've been looking forward to this one. All right, let's jump right into it. Maybe you could take a moment and tell us a little bit about your practice and what you specialize in. Jason Sherr: Yeah. So simplest way to put it is we focus on comprehensive financial planning and strategy. And it sounds like a big word, but we tell clients and anything of the dollar sign call us first. You know, may not be the expert in every single area, but I've been doing this for over 30 years. The good thing is I know to call. So somebody needs help with the trust, CPA, that type of thing. You know, we have resource or network to help them do that. So we are, you can use analogies like we're the quarterback. The financial director, everything starts with us, we build the plan from there and that allows clients to go what they want to do, which is play golf or vacation or go see the grandkids kind of situation. We worry for them is what we tell them. Gregory Wilnau: Yeah, I love that. And when somebody's been worrying about that their whole life and saving and investing and working, it's probably nice to have somebody in their corner to do that for them instead. So that's great. All right, maybe. ⁓ Maybe we could get more into kind of what inspired you ⁓ to do this. Was there anything that maybe leading up to before you started your firm kind of inspired you to do this? Jason Sherr: Well, I've always wanted to do something that helps people and has impact. And I kind of feel like if people have their finances in order, then they're good. You know, their health is better, everything. So that worry is gone and they're comfortable. So that's kind of what led me to that. So I went for school. I went to Berkeley and about my third year, I kind of decided I wanted to do this. Now, if you look at my degree, it says architecture. Some people go, what? I mean, it doesn't, but if you look at the skill set and the process of designing a building, or a park, it's not dissimilar from designing a financial plan. You've got to look at goals and objectives, what's already in place, know, kind of consider all of those things. So the skill set is very, very similar. And the reality is I was a pretty mediocre architect and much better with the financial piece of it and with math and that type of thing. So this was a much better fit. And my undergraduate education was more of a liberal arts group, the emphasis in architecture. So I still took business administration classes, econ, but being quite honest, econ is so boring. So it was just. It's just nicer to, you know, building a plan and feeling like you're starting somewhere and going somewhere. was really great. And it's really makes me feel really good when you've been building like a call it savings plan for a client for all those years. And it works. Yeah. We had the money to cover the cost. You know, you do all this analysis at beginning and then 18 years later, Hey, this worked. That's awesome. It makes you feel great. You know, really makes you feel good about Gregory Wilnau: How many clients do you have now? Jason Sherr: We have about 140 households or so, and we have bandwidth for about 50 more. We only add eight to 10 new households each year. We're pretty picky because we want to pick the right people. It's really important that we have the right fed. Gregory Wilnau: Wow, congrats. Yeah, absolutely. I don't think we did you share the name of your firm at the beginning? I don't remember. Jason Sherr: I did not, it is Stratify Wealth Management and we have two offices, one in the Reno Lake Tahoe area in Northern Nevada where I am and then American Camber down in Irvine, California in Southern California Orange County. So those are the two offices we Gregory Wilnau: ⁓ wow, you're all over the place, man. That's awesome. All right, let's talk a little bit more about kind of the people that you serve and who you work with. So maybe you could take a second to describe the kind of person who comes to you. What's a typical situation that they would have you or need you to kind of lead them through? Jason Sherr: Yeah, I the process to find us is, typically get introductions is how we get most of our new family, so from other clients, which is great, because if I get along with you, for example, I'm probably gonna get along with your friends, because it's kind of a similar personality. So it's still referrals. We do use social media. People find us that way. People search us on Google. We do have a decent amount of traffic that goes through the, those are our website. But at end of the day, the first step is introductory meetings. I'll give an hour to anybody just to talk about us, to see if we're a fit for you and if you're a fit for us. Because to me, I always look at it as a two-way interview. both of us have to agree that it makes sense to move forward in the process. that's the thing. then typically, after that meeting, I say, we'll think about it, see if we think it would make sense for us to move forward in the process and vice versa. And we usually get back to them within a couple of days to see if it makes sense to go to the next step. And during that introductory meeting, we talk about our process and at the end, kind of how we get paid. Cause we do, we do things a little bit differently in that, uh, from a cost perspective, we charge separately for financial plan. It's a hard dollar fee based on the amount of time we think we're going to need to help the clients. And then if they decide to hire us to also manage their assets, that's separate, that's fee based. Um, and so that's, that's really important. And we also tell them kind of the third way that we get paid, even though it's not really a, situation where any money is changing hands is introductions. We do a good job for you, Greg, then hopefully you tell your friends and call, hey, go see Stratify, Jason Americo over at Stratify, and they can help you. That's really how we build the practice and kind of extend on the type of person that comes to us. I the type of person that comes and wants help understands that they're willing to sit down and do the work, do the full financial plan, because there are a lot of meetings that we structure for that. Because it's a big deal to talk about your whole life. It's not just about the next thing tomorrow, but it's looking at the big picture and everything in between. And we have to take some time upfront. We do more work after those meetings, obviously, than the client does, but you've got to take some time in the first discovery meeting, 60 to 90 minutes. Then there's a meeting where we talk about what I call an investment collaboration meeting. We're just talking about investing in general and the different ways that we can invest just to make sure the clients are educated and also have a better understanding. of where they've had a good experience or where they've had a bad experience and why, what happened, what's your experience if you had a financial advisor, what was good, what was not so good. Just we kind of take that into account as we build out their plan. And then after that, we continue to build out the plan and then we present the plan to the client and that meeting is usually 90 minutes to kind of go over everything. And then also we'll probably have another meeting or two to really specifically focus on risk. Gregory Wilnau: Mm. Mm-hmm. Jason Sherr: And what we mean by risk management are things like, you know, what's out there that can really hurt you. And then we're talking about, you know, things like umbrella insurance and things of that sort. know, something happens. Is there anything that you can do or we can suggest so that you're in a better position to not lose everything, essentially. Gregory Wilnau: What are some of the questions that they typically ask you when they meet you for the first time before they become a client? Jason Sherr: Yeah, mean, it's probably most of the most people would think, you know, they can't think how long have you been doing it? But I try to solve that at the beginning. But when I do the introduction, try to answer some of those some of those those questions. What's your process? Cost are obviously, you know, what I was just talking about there. Those are critical pieces of the puzzle. But it's process philosophy, how you do what you do. I those types of things. It's really at the end of the day, they want to know, can you can you help us? Are we a good fit? People ask that a lot. You know, do you think we're a good fit for your practice? And that's a, you know, it's a very, very viable question. Gregory Wilnau: When they come to you and they say, can you help me? Could you give me a specific example of what they need help with? Like obviously there are different situations, everybody's different. But does anything stand out to you for like a archetypal or typical situation that they're just like, hey, I need some help here. Jason Sherr: Yeah, the typical thing is here's, they want to share everything upfront. here, you know, I have this much of my 401k and an IRA investment account. If they have young kids, we save this much and call it savings or we haven't. They haven't, they have done something with the trust or they haven't, or it's been a while, you know, and just, kind of throw all the, almost like throw up all this information on you and say, can you help me figure this out to see if I can retire in say 20 years or whatever the time is or whatever the goals are. And they say, yeah, we can. mean, our process is fantastic for what if scenarios. What if I retire at this age? What does that mean? And at the end of the day, it's nice to be to give people that answer and say, all right, or even, hey, if I work an extra two years from that date, how much more retirement income will I get? And that's nice to able to tell them that so you kind of have a give and take about, if I wait two more years, what am I gaining? Because if it's not that significant, maybe I want more time to retire. Gregory Wilnau: Yeah. Jason Sherr: And so I might say, you know, it's only 500 bucks more a month. Somebody might say, well, forget it. I'd rather retire sooner. But if it's significant, right. Then, you know, then it's worth it's worth doing. That's the, that's the trade-offs. And like, you know, if you have a client, for example, that is in their job and they're just tired of it. Sometimes it's nice for me just to show them the numbers and say, you know, if you wanted to shut it down sooner, you can. And they don't always shut it down sooner. Just to kind of in their mind, they know I have that option. I'm not stuck. Gregory Wilnau: Yeah. Yeah. Mmm. Yeah. Yeah. Yeah. So you reframe it as, well, now you're actually kind of here because of a choice, not because you have to be just to make money. I'd imagine that'd be a big, ⁓ big weight that would be lifted off somebody's shoulders, especially when they've been doing it for a long time. And it also probably makes them feel like, OK, well, now I'm they start also thinking about transitioning. Right. And what life looks like after work when it's choice. Jason Sherr: And I think that's really important to be able to tell them. Gregory Wilnau: and they could retire. ⁓ Man, I couldn't imagine that. When you've been working towards that your whole life and then it's on the horizon, ⁓ you're definitely wanting to have somebody like you. Jason Sherr: Well, to add to that, Greg, it's actually so we've had so many clients over the years that have retired three or four years later than they could financially because mentally they couldn't get their head around what that looked like because kind of what you're alluding to retirement is a big deal. People need to understand because everybody thinks everybody else has this figured out. No, they don't. It's really difficult. We spent a lot of time talking about our what are you going to do? Because if you have a job, say 40, 45 hours a week, that's a big chunk of your week. If I take that out, what are you going to do? Gregory Wilnau: Mm-hmm. Yeah. Jason Sherr: And that's a really important question. Now I've had other, uh, other clients that said, Jason, don't know how I work. Cause have so much to do. they, cause they had all these volunteering and that's awesome. But a lot of people are not, not that, I mean, especially for men, we're absolutely identified for our job. You know, if I met you at a cocktail party, first thing, Hey, what do you do? I mean, that's the first thing. And if you're retired or then what did you do? You know, I mean, that's really what it back. Gregory Wilnau: Mm hmm. Yeah. Exactly. Is this something that you you help your clients work through and think think about? Jason Sherr: 100%. Yeah. You have to spend time and really kind of walking through. And a part of it is just going through, right, well, let's like, there's a couple of clients right now that we're working at that we're kind of getting into the transition. They're not working. They're working a little bit less. So just taking it down slow. Some might do consulting. Like they have a job where that that's a fit. might go from the full time, you know, rat race kind of thing. Let's do some consulting, take a project or two in between your trips, just to kind of transition. And then eventually we'll get, we'll get there. And that's a thing. it's really important for you to understand it's a process and it's not easy to retire. It's not just about the finances. You know, it's a big thing about how you feel about Gregory Wilnau: Well, yeah, I mean, so it's an entire identity shift. Right. And that process can be painful, you know. Jason Sherr: 100%, 100%, 100%. It can, again, it's just, you're right. you're like, everybody wants to feel like they have a purpose. And if you're just, you know, playing golf every day, like for the first month or two, for anybody that's in retirement, feels like you're on vacation. And then if you're retired, it's like, Oh, I'm not going back. Right. So what am going to do? And that's an important question. So I want to make sure, Hey, are there some volunteer things that you have interested in, or, know, just kind of try to get them to make sure that they have a plan. Cause otherwise you're just spinning your wheels. Gregory Wilnau: Yeah. Insane boredom. Yeah. Yeah, I've had different businesses where I was deeply involved in the business and you know, like, you know, 60 hours a week or whatever. And then my first one, I worked myself and you can think of this as a job or a transition. I worked myself out of the day to day of the business and it happened so suddenly and I didn't do this by myself. I had help. So I'm not definitely not taking all the credit, but it happened so suddenly that I went from work at 60 hours a week to five. And you're right. Jason Sherr: ⁓ wow. Gregory Wilnau: for the first couple of months, that was awesome. And then I was so, I was so bored. I actually got depressed. So I had to find other things to do and I did not think about deeply, well, what, where else can I put my time into? That was something that took me a long time to actually discover and think about. I didn't have anybody to help me with that. I had to figure that out on my own. So it was kind of like retirement, but not really. I'm too young to retire and I still, it was different, but. experiencing that identity shift from suddenly going to having a your identity all wrapped up in your work and a lot of time you're putting into it and suddenly that's not there. It's it could be quite painful because you want to feel useful. You know, you need to feel useful. All right. Let's talk maybe a little bit more specific. So we kind of talked a little bit more about, you know, psychographic the way that they think, kind of the things that they need help with. But maybe we could dive a little bit into Jason Sherr: Death Note. Gregory Wilnau: some demographics. So I'm wondering what demographics your ideal clients typically fall into. So things like age range, income, net ⁓ worth. Are there any tangible numbers for when it starts to make sense to work with you? Anything specific? Jason Sherr: So I'll answer in the same way you're talking about a little bit differently. So from my seat, we're kind of looking for three things for potential client. One is current assets they need to help manage or potential assets. So you've got a younger person who's growing, but you can kind of do the math and they're going to get there. Want to help them sooner than later so that they don't. You know, the old situation in this industry was, Greg, you don't have enough money right now. I'll see you in 10 years. Well, that stinks because then you can make all these mistakes for 10 years. So I want to help those people sooner, the right ones so that they don't. And then in 10 years we'll have, we'll build them to the client that ever everybody wants. Um, attitude is probably the most important thing. Cause I don't care if you have a billion dollars, if we don't get along life's too short, it's just not worth it. So make sure that, you know, attitude and we, we get along and then, uh, advocacy, which is, we do a good, great job for you. Then you'll tell others about it. Cause that's. from my seat, that's kind how we grow the business with those types of things. So those are kind of the three metrics. And if you looked at our clients that we have currently, we have a pretty good diversification of age, different jobs. We have a lot of engineers. We have a lot of, went and mentioned Berkeley. So to my business partners, we a lot of alumni that went to Cal as well. Just there's a connection there. We have a lot of, we were at Wells Fargo Advisors for 11 years. And so we have a lot of former Wells employees. So we kind of knew them. So we definitely work within our. networks. And so you find that's where where you get your opportunities. And because of that, and we have them probably much better aged demographics than most because if you look at most people's client base in the industry, it's older, obviously, because they have the money and we have some of them, we're not so skewed, you know, that everybody's 70 years old. That's not the case. We have a lot of clients and 30s 40s 50s 60s 70s 80s, you know, I mean, that's, so that's a that's a good mix. So there isn't ⁓ Gregory Wilnau: Okay. Jason Sherr: mean, it's just, again, it's back to me, to me, the attitudinal thing. That's the most important piece of the puzzle. If you have a good approach to it, we get along, then we can work together, we can make it work, for sure. Gregory Wilnau: Mm. Okay, interesting. So it sounds like you're there aren't necessarily any typical age range or income or net worth where you exclusively work with it's more about like, are you the right fit? Do they like the process? Is it Jason Sherr: ⁓ I guess more expensive, could say if you look at also most of the clients we're looking at specific numbers have between 1 and 10 million with us. We certainly have some clients that have more and some that have a little bit less, but the most have that kind of in that range if you will. And so means our net worth is going to be a little bit more than that kind of situation if you're looking at kind of from a net worth perspective. It just seems to be kind of where we're at for the most part. Gregory Wilnau: Okay. Jason Sherr: As I said, have some that are more and some less, it's bulkier in that window of time. Doctors, and we have a few doctors, we have some attorneys, and we have a good, it's back to the attitude thing. The right doctor, the right attorney that's willing to sit down and have a discussion and make some changes. Gregory Wilnau: Okay. love that. And you said something earlier, you're like, well, we'll, see you in 10. You're not ready yet. We'll see you in 10 years. And but and then you typically make a lot of mistakes leading up to that. That was me when I first started our business. I read this book called Rich Dad Poor Dad. And I was in construction at the time making like $15 an hour or whatever. And he said, you need a team, you know, you need an attorney, you need a financial advisor, you need to blah, blah, blah, blah. So like, okay, I'm gonna go talk to a financial advisor because he's telling me I need one. Jason Sherr: Yeah. Gregory Wilnau: I had no money, so I met with this guy and he talked to me for about two minutes and then was like, well, there's the door, see me in 10 years. So ⁓ I'd actually probably be a pretty good client for him now, but I didn't know and he didn't have, there was no indication on that path that I wasn't a good fit. So of course I was meeting with them. So I like that you're thinking about this. And I think that flat feet. Jason Sherr: Right? Well, that's also why. we added, that's why we added the option to pay us a hard dollar for a financial plan. Cause now that takes it out. That takes it. If you don't have the asset yet, but you want the plan and the, the amount that I'm going to charge you still works. Great. That's an option. can do the plan. Cause now I'm getting compensated. Cause when I, earlier in my career at some of the places that Smith Barney, Wells Fargo advisors, they don't have that option. I couldn't do that. It wasn't on the menu. Gregory Wilnau: Mm-hmm. Mm-hmm. Jason Sherr: being independent, have a lot more flexibility, which is great. So now we have that, which is awesome. Cause to your point, there are a lot of what we call Henry's higher earners, not rich yet kind of deal. You know, they've got good incomes and what have you, and they could do some planning. now they can hire us and we don't lose those 10 years, which is huge. Gregory Wilnau: Yeah. Yeah. And I think when this happened, when I first started, this was about 13, 14 years ago. And I think I shared this story before, but flat fee, fee planning wasn't ⁓ really a thing. Like at least not from what I saw, it was like, you got to had the AUM. You already had to be wealthy. And I just remember thinking, man, that's so backwards. I need some help now, you know? And I would have totally invested in a plan and maybe done like something where I checked in every quarter on the plan with Jason Sherr: It is. Gregory Wilnau: and done a monthly retainer, but I wasn't available then. So it's kind of like I'm also paying you to kind of coach me a little bit. And that's what I was looking for at the time, but it wasn't there. So I love that that's a space. There's a big need for people and you're filling that space. So that's amazing. All right. Typically, I'll add, well, now we go into more about your values and your approach, your philosophy. Jason Sherr: Right? 100%. Gregory Wilnau: I'll ask you how people find you, but you already answered that question earlier, which is great. ⁓ So maybe we could talk more about your practice and where you see it in the next one to three years. Maybe what's your vision? Are there any goals that you're working on? Where would you like your practice to be in three years? Any thoughts on that? Jason Sherr: Yeah, we think about it all the time. We have a business consultant that helps us too. And I did want to add one thing to the last discussion about, just to give people kind of a good sense. I mean, I have clients that will call me for the most granular things such as I'm going to buy a car. Should I pay cash, finance at least? mean, those are the types of things. We'll help them with everything. And I think that's, and the door is open for that. And I think it's back to the thing. It's good to have somebody to call just to bounce ideas off of when clients are changing jobs. You just want to talk to me confidentially about what's your package. What are they offering you? What are the benefits? Let's look at it. You know, should you have more stock, you know, all those different things. Cause I, I don't have any emotions about it. And so I can be a really nice, you know, Hey, bounce some ideas. Let's talk about it. And it's just you and I in the fence post, nobody else is talking about it. Gregory Wilnau: All right, this is the part where I like to ask you to brag about yourself a little bit. I know that most of us, it's hard for us to acknowledge the things that we... We spend a lot of time thinking about the things we want to be better at or are working on. And it could be... more challenging to take a moment to acknowledge the things that we're doing well. ⁓ So maybe you could put your humble hat on for a second and talk about something that perhaps you do for your clients that might take a lot of time or energy, but that they typically might not see or know about. Jason Sherr: Yeah, I mean, think there's so, we talk about the financial planning. Well, for every two to three months or so, I look at everybody's plan, not at the same time, obviously, but different schedules, and look at, do some reviewing, look at the investments, look at the plan, and just making sure that things are on track. it takes, it's just me, I'm not meeting with the client. We do annual reviews, that's plenty for a client situation. Although, if they need to meet more often, if something comes up, that's totally fine. ⁓ But I do this in the background which obviously is really important because if something is not going as well as we want I'm gonna catch it we can talk about it make that adjustment make that tweak actually most cases we have discretion since our fee base of It's time for looking at the investment specific. I'll just make the change, know There's some mutual fund that's no longer a fit then we'll just we'll we'll just make a change So I do that consistently. They don't see it. They don't see my notes. Obviously no reason I'll share the information with them during during review so that Something I do do we do consistently as we do stay in touch We each reach out via phone or email very consistently just to stay in touch. Hey, just checking in what's going on? You have any trips because we do care. I mean it matters I mean you have we're not selling people widgets. I mean, this is a lifelong relationship I mean, I've had a lot of clients I've had since the mid 90s. It's 30 years, right? And so I'm a much better advisor for them now than I was then just because I am older and there's more experience But also we just know each other better, you know, that's really, you know, really important. It's Gregory Wilnau: like widgets. Yeah. Wow, yeah. Yeah, you know somebody for 30 years that, you know, that's a long time. Absolutely. Jason Sherr: makes a difference, right? So it's nice that they say, and so you can see the family go through back to the thing. Kids go to college, eventually they get married. know how all these things are starting to happen. It's really awesome to see that. Also realizes that I'm getting older. So it's just kind of weird because I still, I don't feel 55, but I am. So here's the situation. So those are some of the things that, you know, in the kind of the background we're always doing. mean, the things that we do is Gregory Wilnau: Yeah. Jason Sherr: The things that bother clients are when something operational doesn't happen. Like somebody says, I need this much money and it gets delayed for some reason. We're always fighting in the background to make sure that, you know, the funds get out in a timely manner. But sometimes something happens and the key is you need to communicate. always tell my team, make sure there's no dead air and just tell Greg, we're still working on it. Hey, I know we haven't forgotten about you. We're working on it. Kind of thing. The dead air is the problem. Yeah. Gregory Wilnau: Mm-hmm. Yeah. Yeah. Yeah. Yeah. Managing the expectations. Yeah. I tell my team the same thing. I don't want ever, I don't ever want one of our customers to wonder what's going on and not know. Like I want, if you, if there's a delay, let them know, sorry, this is taking a little bit longer than we thought. We're still working on it. We'll reach out to you by X, Y, and Z date, right? And then that's okay, that's enough. Like that will cover so many things. The problem is if you don't communicate and leave people waiting and hanging, is not acceptable. So that's something that I pay a lot of attention to and drill into my team. And I love that you do that too, because it makes a big difference. Jason Sherr: Exactly. 100%. 100%. Gregory Wilnau: All right, so before we talk about like people who are interested in contacting you, maybe you could ⁓ share a little bit more about how you've kind of grown and maybe how you've been influenced. So maybe as your practice has grown, as you've grown, are there any programs or trainings or maybe organizations that have kind of shaped your approach or positively impacted how you've served your clients? Is there anybody that you'd like to give a shout out to? Jason Sherr: Yeah, I mean, there's a lot because I've done a lot of different coaching and training throughout the years because you try to get different ideas. It's like what do you do with marketing? mean, marketing is broad. So it's good to get different perspectives and different viewpoints. Same thing for what I do before we came to the of the core philosophy. And the guy that's probably to me is kind of my model is guy named Nick Murray. He's been in the industry since the 60s. Gregory Wilnau: Yeah. Jason Sherr: He's like an older version of me, just kind of the way that he thinks about things. And so we, does a monthly newsletter that I read and within that, he always includes a client's corner. It's a, you know, it's an article you can send out for clients behalf. we always send it out. usually comes out in the first part of month. He just has a really, does a really good job of kind of reframing everything. So you can focus on what's important. I always talk about control the controllables. You know, there's so much noise out there that we can't do anything about. And people get themselves just in a flutter. mean. Gregory Wilnau: Mm-hmm. Jason Sherr: Hey, like Trump, don't like Trump, know, whatever. can't do anything about it. You know, just move on with your day, focus on the things that you can worry about, you know, the situation. So I like to focus on that. And Nick's been great for that because he's really good practice management, focusing on the things that, you know, that, that you can control. You know, I wrote, I wrote a book, which I'm revising right now. And in the book, I talk about that from an investing perspective, there's really only four things that you can kind of, kind of control, you know, how your assets are allocated. Gregory Wilnau: Right. Mm-hmm. Jason Sherr: how you're diversified, how you behave, which is probably the most important factor, because people, if you look at the data, people behave horribly. And so our job is to make sure we don't fall into that trap. And then how much you're saving and contributing. And those four things, you can control 100 % of the time, regardless of what's going on around you. So let's focus on that, because that's going to have an impact, a bigger picture, more than any of this other stuff. Gregory Wilnau: Yeah, I love that. It's kind of like that. One of the first books I read when I started my business was The Seven Habits of Highly Effective People. And he said, focus on the thing that you can control. And really, the only thing you can control is your attitude. The thing that you have ultimate control over is how is your attitude, how you approach situations. And I love that in your world, there are many things that we cannot control. And let's focus on the things that we can. because that's what makes the difference. That's the biggest leverage for you. So I love that you encourage people to do that. All right. ⁓ We're about at time here. ⁓ Typically, I'll ask people at this point to kind of walk through the process of what it's like to start working with you. But you already covered that towards the beginning of the interview. So you're a very proactive person. So maybe ⁓ for someone listening who wants to get in touch with you, ⁓ what should they do next? Where should they go? Jason Sherr: I would go to our website stratifywealth.com and at the top of the screen there's a little schedule appointment button. They could click there and they could see my picture and click on that and then it'll bring up my calendar and they can find an hour and I'm happy to do it via Zoom in person, whatever works. It seems like most people are used to Zoom these days, which is fine. And then we can talk and see if we can help or not. mean, that's really probably the best way to kind of get in touch with us is on the website stratifywealth.com. Gregory Wilnau: And for everybody listening, we will include links in the show notes. All right, Jason, thank you so much for coming on. Really appreciate your insights and look forward to talking to you again soon. Jason Sherr: Thanks very much.