Is Your Advisor Biased? | Thomas J. Manetta | Growing Money with Sean Trace

In this episode of Growing Money with Sean Trace, I sit down with Thomas Manetta, a 35-year wealth management veteran and independent firm owner based in the San Francisco Bay Area. 

Thomas pulls back the curtain on something most financial advisors won't admit - for decades, the industry was built on information asymmetry, incentive misalignment, and selling products that served the firm, not the client. 

We get into why money feels so overwhelming for most families, how AI is reshaping financial services from the inside out, and what Thomas calls his three pillars: clarity, confidence, and care. 

He also shares a deeply personal story about losing his mother at age seven and nearly burning himself out building his business, and why slowing down was the move that saved everything.

When it comes to your finances, what's one area where you feel like you still don't have clarity?

Transcript

SPEAKER_01 0:00

You know, I think especially after I I started my business in 2012, I felt that kind of obsessive comp like I was obsessive about it. You know, like I was not gonna fail. And and I had just gotten married and we had just had our daughter, and I was working so hard that I got hives so bad that my throat swelled up and I almost died. I got pneumonia from being exhausted and almost died. And, you know, I had to like, I had to make some serious, you know, decisions about look, you know, this is gonna take time. We can make it, we don't have to live big, let's live small, let's build this slower, slower than what I'm doing now because you're you're you're you know, like I was doing the same thing that my father was doing, and I had to pull back, and it took me longer to get to where I am today. But I think the decisions were important to make because you know, your family's more important, you're gonna get there, right? You think you need to get there yesterday, and you always feel like you're failing. But in reality, it's just, it's just, it just takes time and it compounds. And once you get your foot, you you establish a foothold, and then that compounds over a couple of years. And then, you know, ultimately it's it takes you longer than what you would have you dreamt of or how you would have drawn it up. And if you look back and someone said it's gonna take you 10 years, you might not have done it because it seems so daunting. But at the same time, it's so worth it, you know, once you get to that point where you know things are, you know, you can pay your bills and and you have you know a little bit of breathing room uh to then to then compound to the next level, right?

SPEAKER_00 1:47

Welcome everybody back to the Growing Money with Sean Trace Podcast. I'm your host, Sean Trace, and I have an awesome guest with me today. Can you tell people who you are and a little bit about what you do?

SPEAKER_01 1:55

Uh my name is Thomas Manetta. I own a wealth management firm in the East Bay of San Francisco. I've been in the business for 35 years, and um I am an owner of my business, which uh I which is something kind of new for me. It's uh happened in the last two years. Um, and that's after having worked in just about every other side of the business. And now I actually I'm in a place where I can do things that I couldn't do before, which for me means helping people without hurting them. And that's you know, I think hopefully something we can dive into when we talk today.

SPEAKER_00 2:30

Let's dive in, man. One of the things too is I I love hearing about that because a couple things that I think about. Um, you know, you think about that, like you go to a dentist, right? And doctor or something like that, you know, when you go to that person, hopefully they're not trying to upsell you to something, you know? Like you gotta, you gotta, you need a you got a cavity, you gotta get it, you know, you gotta get it fixed versus you got a cavity. Have you ever thought about, you know, an implant? Well, hang on. I don't think I need an implant, you know, but no, no, I I think you do. You're like, wow, hang on. You know, do you make you know bonuses off of implants? Like, is there something else going on there?

SPEAKER_01 3:15

That brings up an interesting point about this business that I'm in, and that is it's incentive based, right? What's your incentive? Is your incentive to sell products? Is your incentive to make money for the firm that you work for just to keep a job, right? Because you're a W-2 employee. Um, or is your incentive to really look after the people that are your clients? And for the longest time, you couldn't do that. Like there wasn't an option available for financial advisors to go out, hang their own shingle, and work with a custodian or a f um a platform that really cared about them. They just cared about making money for the firm and extracting as much wealth from the clients as possible. I mean, that's literally what Wall Street was all about. It was about information asymmetry. They had all the information and you didn't. They knew everything, you didn't know anything. But now all the information's out there and it's everywhere and it's at your fingertips, right? Yeah. And so now you can go out and you can find someone whose incentives and um, you know, are are aligned with yours and that will take care of you. And they can use all of these tools that were never available before for your benefit. Um, and I think that that's something that's happened over the last five years, I would say. And it's gonna be a lot more prevalent in six to 12 months, for sure.

SPEAKER_00 4:36

I love that, man. It's interesting too, because I think that there's it's that it needs change, you know, it's like there needs to be a lot going on because people need this information. And, you know, a lot of people need this information, not just a select group, uh, you know, or this group or that group, or just one segment of the population. Like, dude, everyone needs to know about, you know, how to manage money, how to invest, how to do these different things. And I think that one of the things, too, that um people who can speak to that larger audience are gonna make waves, you know? And I I just I hope there are more people that are doing that.

SPEAKER_01 5:18

Well, I think it's never been easier to get information, right? Especially with, you know, with Claude or with with ChatGPT, whatever you use. And uh, and people are using it more and more, especially younger people are using that to find the information that they think they need and and they're and they're acting on it. And that's that's I think that's both good and bad news. It's like they're getting information, but they also need to, you know, flesh that out with someone that actually has a lot of experience, that again has that perfect alignment that really doesn't care about anything but just helping you and making sure that you got you got it right, you know, because there's so many different moving parts. There's not just your investments, there's insurance, there's estate planning, you know, there's obviously your retirement plan if that's something you're you're you're gearing towards, or even more complex situations like the sale of a business and what to do after that. And sure you can get that from Claude, you know, and Claude is more powerful than ever, and it will be more powerful in the future. But am I doing the right thing? Should I be doing the right this this thing, these normative questions? And that's where you need to have someone where you can have the difficult conversations and you know, to make sure that you're doing it right.

SPEAKER_00 6:27

I I think that one of the things that's interesting for me is that um, you know, that I love that that statement, you don't know what you don't know. And I think that we're finally getting to the place where people are learning what they don't know, and there's a lot more ways to get it, you know. But like I wanted to ask you about something too, because when I did some research on you, you know, you talk a lot about clarity, confidence, and care. Why do you think those three things are so important when people are making money decisions?

SPEAKER_01 7:01

Uh, because uh people's lives get messy and their finances can get equally messy. And, you know, there's a lot of, you know, there's accounts that are in different places, maybe they're not they're not titled the right way. You have insurance that was probably sold to you, that's probably not appropriate for you. You have all of these things that in isolation can be intimidating on their own. But you know, when you think about think about all of your financial life collectively, it just creates a lot of there's just a lot of chaos. And if you can, if you can bring clarity to that, if you can bring order to that cave from that chaos to someone and give them the confidence and then, you know, guide them with care, I mean you're you're doing you're doing such a great service for people. And and for me, that's the that's the biggest payoff in my business from what I do right now, is to do that and leave that kind of legacy where I'm just helping people get you know more more clear about their finances, more confident and in their sh and they're sure of uh that everything is done the right way so they can go live their life, you know.

SPEAKER_00 8:01

Right? I mean, because that's it. At the end of the day, you want this stuff to be working for you, you want this stuff to be in place, and you want it to just be there doing the right thing while you live, you know, because it's like if you have to sit there, I think back to like when I was a kid, my dad and mom took us out to this farm. We got to go work on this farm. It was wild. Our family of friends had this peanut farm, and we were getting the freaking peanuts in the field, man. It's a lot harder than it sounds, man. You gotta pull your peanuts on and but you know, one of the wild things is that it's a lot of work, but it's a lot less work than you think. You don't have to sit there every day and just watch the damn peanuts. Like they're just growing, you know, they do their thing. You have to make sure you water it, you have to make sure that these certain processes are in place. You know, the irrigation, making sure that the field is cared for, making sure that you don't have hogs or something out there digging up the peanuts, you know? Yeah, but once you do those things, there's a whole lot of waiting. And you go out and you do other things. You know, you have other parts of it, like we were out playing, my brother and I were playing some baseball in the field. We are throwing the football around between the time that we were supposed to be doing on these other activities. And that's the reality of like we want to be living life. And we want these things to be automated in a way that we don't have to get stressed out by them, you know?

SPEAKER_01 9:29

Yeah, here's the really cool part that's coming, and that's that's already happening. It's already here, is that there are going to be firms, and I I'm biased towards my custodian, it's called Altruist. Um, there are going to be firms that that bring all these different silos of your life into one place. Like everything, every part of it, your banking, your insurance, your investments, your estate plan, your taxes, it will all be on one app that you look at, right? So you'll have everything there and you'll be able to see it. And the really, really amazing part is all those different silos will talk to each other. So all that data will be shared between them. And so you'll have a real live snapshot. You'll know exactly where you are. Whereas right now, even though it's better, it's a lot better than it used to be. You know, there's you have different, you know, different accounts in different places, and you're not really sure what you know, what if you if you have the right thing or if I if you could be doing better. Um, but uh, I think in the next six to 12 months, there's gonna be an enormous sea change in the financial services industry for the better, for the better of of people who who who want clarity. And I think that's that's a good thing that's coming from AI. You know, you hear all the bad things, but yeah.

SPEAKER_00 10:47

Yeah. I mean, I think one of the things that everyone needs is clarity. And I think the I idea, like this is something that I think people are like, one of the power moves of AI is the ability to process a lot of stuff and make help you make sense of it. And I mean, I think that's something that we've been, because right now you got to go to here and then you got to go over there and you got to do this, versus if you can have this thing and then the advisor gets to work with you on the human component, like showing up, how to work through this, how to interact with this, how what this even means, you know, like, okay, how do we interpret this? And that to me is like a power move because, you know, I think that if we can get to that space where we are keeping the humanity and letting the AI do the stuff that it's good at, crunching all of that data so that it can make sense for us, then we've got to this great place where you get this synergy, you know? Right.

SPEAKER_01 11:47

So another great thing that I think the AI is going to provide for, I can only speak for myself in my business, is my ability to listen better. Because I can have a conversation with you. This conversation, let's say I'm having it with a client or a prospect, it's being recorded. All of that data is flowing into my CRM, everything that we talk about, right? And so I don't have to think and try to remember everything that we're talking about. I don't have to, I don't I don't have to be that old financial advisor that I used to be where I'm thinking about how am I going to make a sale here? Like how do I leverage this conversation to make a sale? I don't have to do that. I just have to be present for you. And I, and and the both then, and because AI is recording all of this data and I don't have to worry about that, I'm much more present, I'm much more here, and I can listen to you and I can, I can, you know, I can understand without having an agenda in my head what your goals are. And I think that that those two things together will be um, like as you said, it will be a power move for people that leverage it. And I think it's important to have that alignment where you're not working for anybody else or any other institution, you're working for the client, and that's very clear, and you're using all these tools for their benefit. And and those that do that, I think are gonna thrive. I love that.

SPEAKER_00 13:04

Well, I want to ask you this because like a lot of normal people feel intimidated by finance. Like, why does money feel so overwhelming for so many families still?

SPEAKER_01 13:16

Well, I live, as I mentioned, I live in San Francisco and the in, and it's kind of it's different than you know, most of the country. And most people are, you know, they're just trying to get by. And and it's and it's hard. And I lived in I've I've been here for 30 years, and the first 25 years, I was basically paycheck to paycheck because it's so expensive here. And so there's that anxiety about how am I gonna make should I stay here? Should I should I let move to somewhere less expensive or should I, you know, and all of that anxiety comes from a lack of money. And and then you then you layer in all of the different um, you know, institutions out there that are competing for your dollar and and their incentives are probably aren't in your uh, you know, in your benefit, and it's and it's really difficult to figure out who to trust. And so you have all of this anxiety and you don't know what to do with it. And so, you know, and and and that I think is I think that's the norm. It's you know, there are definitely wealthy people here in the Bay Area, but definitely few and far between compared to most people. And I think that's that's true throughout the world, really, you know, it's it's hard.

SPEAKER_00 14:23

Yeah, and I think that something for me is like, I think people feel left behind. Like they see all this news. You hear about these companies that are just like meteoric rise, and someone's like, How do I buy eggs?

SPEAKER_01 14:38

You know, like yeah, right? You know, like do I have to write a check? Do I have to write a check this weekend that'll that'll clear on on Monday because I don't have any money in my account, right? Right. Just to get just to get diapers and formula. That's a true story, by the way. That's my I had to do that. So I mean, I know what that's like. And it's, you know, and then you're bombarded uh, you know, through social media about, you know, everyone's making it and you're not, right? So and and yeah, so it's it makes it even more um raises the anxiety level even more that you're getting left behind when in reality you're not.

SPEAKER_00 15:14

Well, that's what I wanted to say. Like, I see a lot of people serving one group only. And I mean, and there's just a lot of people that need financial help. And I just I hope that I I hope that some of what AI can do is like also bring tools to people that might not feel like they had access to it. You know, and I want to ask you this too, because you're you've been seeing change as well. Like you left the big financial institutions to build your own independent firm. Like, what made you realize you wanted to do things differently?

SPEAKER_01 15:46

Well, that's a really good question. I didn't think that I was going to end up as an independent advisor. I I grew up in a stockbroker's family. My father did it, and it, you know, he worked, you know, too much and uh and it and it basically killed him. But I I wanted to follow in his footsteps. I I wanted to do it in my own, you know, in my own environment, not back east where I grew up. So I came to San Francisco, I worked on a trading floor for a decade. That floor became obsolete by technology, and then I went into that traditional stock brokerage, Morgan Stanley role. And I could, you know, and I thought, you know, that was gonna be it for me. Like I was gonna really, you know, I was gonna keep work my, you know, work, work my tail off, and then, you know, I'll be a success in 10 years. But it just wasn't the right fit for me. It was, you know, something was off. And so I stuck with it for about six years with different institutions and I learned a lot, but it really wasn't, you know, it really wasn't my thing. Like I just couldn't like come to the you know, psychological, the philosophic, you know, resolution in my head that selling these products to people just to you know earn money for someone else, it just wasn't the right, you know, the fit for me. And then in 2008, everything changed. The world felt, you know, went went upside down. And I got a job at Charles Schwab and I learned so much in you know, six months there, but I had an opportunity to go to go back to school. And so I went to UC Berkeley and I got my certificate in financial planning, and I met a group of people that were completely different. They were interested in planning, they were interested in helping, they were interested in all facets of you know a person's financial. I'd never seen that. All I had known was I'm gonna sell you this mutual fund, I'm gonna sell you this product or to keep my job. And so that experience led me to then go and get my master's at the University of San Francisco in financial analysis. And once I did that, I knew that, you know, I had to, yeah, like I was no longer intimidated by the institutions, institutions them themselves because I realized that nobody knew anything. Like I realized that after studying all of this complex stuff, that even the experts didn't know it, it didn't know at all. So then I thought, you know what, I'm just gonna go start my own firm. And that was in 2012. And, you know, I spent 10 years grinding to get to a point where, you know, I was uh, you know, I could breathe, you know. And but on the other side of it, I realized that, you know, there was a progression in my professional life where I was, you know, really conflicted early on and then less conflicted, less conflicted, and less conflicted. As I became an owner, I became almost there is no conflicts of interest in my business because I I only care about my clients. I take care of them, and my business thrives. I work for them, I don't work for anybody else. And so there's this kind of arc where it just happened. It didn't happen by design, it just it just kind of evolved that way. And I'm so grateful that I made it this far because I've never enjoyed the business this business more. I love that, man.

SPEAKER_00 18:50

I think that one of the powerful things is is that you saw the shift, you saw a different way of doing this. And you stood up for what you believed in, man, and you made that change. And sometimes changes take a little time. I mean, I I'm still building with my media, but you know, when I build media and content, every video I make, I come from a belief that what I am creating has the power to change the world. Because I was an educator before, I was a teacher. And I see this as teaching. And I think that if we can get enough people that are spreading great messages, we can help people. And like that's one of the things that I talk to people. Like, I feel different. I'm just not making content to kind of make money. I that's a good side effect. But if we can make a difference, that's way more important, you know. But sometimes you got to build and sometimes you don't see the light of day for a while. But then if you keep showing up, things do shift because there are enough people that need help that you can connect with, you know.

SPEAKER_01 19:54

Right. I I I feel the same way. I I sorry to interrupt you, but I feel the same way. I think that I, you know, I started a podcast, I didn't even know what I was doing for the first six months, and it's kind of evolved into a uh, you know, a way for me to educate other financial advisors. Like I show them the side of the business that I've seen that they may not have seen. And then in doing that, maybe I elevate, you know, the standards for people and I make them better and I make them understand that this opportunity exists where it didn't before. You don't have to work for Morgan Stanley, you don't have to listen to somebody else. You can do the right thing every day, twice on Sunday, and have an amazing life. And it's never been easier. It's never been this, you know, inexpensive. And and to not do it is a disservice to your clients. So 100%. You know, that but that but that podcast, I mean, it takes a while. And will I make a difference? I hope so. But but you know, I feel like my content's getting better. I feel like I'm getting better at it. And I and I think that, you know, in in doing that, I'll you know, continue to have guests that want to come on and share their, you know, their what they know. And and I think that you're doing the same thing. And if you're authentic about it, and if you're really, you know, coming from a good place, I I think you will change the world. Yeah.

SPEAKER_00 21:08

100%. But you got to keep showing up. And, you know, and that's the important thing. But I want to ask you this because I've got a 10-year-old daughter, and that's the motivation for this podcast was she started asking about money, and I had no idea how to answer her. You know, and that was a couple of years ago. But like, if a 10-year-old asked you, what does a financial advisor actually do? How would you explain that?

SPEAKER_01 21:31

I just I would say that you that um that's my daughter over my shoulder, she's 12. And I would tell her, I would say that what I do and when I'm doing it, but I'm doing it the right way, I'm bringing order to chaos for people so that they can, you know, have clarity and confidence and peace of mind so that they can go live their life and not worry about it. And so I'm and in that in that regard, I'm you know, I'm I'm protecting them and guiding them if I'm doing it right. Love that.

SPEAKER_00 21:57

I love that, man.

unknown 21:59

I

SPEAKER_00 22:00

And I had someone on recently and he had worked at some big banks and he had worked in this and that. And I was like, Well, how would you answer this question? And he's like, he thought for a second, and he's like, I can't answer that. Like, you know, clearly, but there's a lot of different ways to answer that. He's like, here's what I tell my family. And I was like, that's the best advice that you can ever give anyone. Someone saying, This is what I would tell my family to me is like that. That's what I want to hear. I want to hear someone telling me, I don't want to hear what they're telling their clients. I want to hear what they're telling their family, you know, because to me, that's powerful, man. Right. I want to ask you another one because you've said help without harm, advice without agenda. What does that mean in real life for somebody trying to choose who to trust with their money?

SPEAKER_01 22:49

I would uh first revisit what we talked about earlier, incentives. The person that you're talking to, what are their incentives? What, how do how have they structured their business? Are they working for someone else? Are they working for you? That's the first question I think you need to ask. Where is the is there alignment between you and your goals, or is the alignment between, you know, some product that's being sold? Or um, and and that is it, then that's easy to tell. If you're a W-2 employee of a big institution, you're you are beholden to that company. You answer to them first, not the client. And, you know, it used to be that that was the only way. The only way to be in this business was to be a W-2 employee of a big institution with conflicts of interest that you had to accept. But that's not the case anymore. And so if, you know, if you're looking for someone that truly can help you, ask, you know, ask them what, you know, how have they structured their business? Is it for the benefit of the client or for someone else? And you'll find more and more of those people. That's the good news, is that the technology is changing so fast that people are moving more to that model because everything that used to that that people used to be able to charge for has is becoming obsolete. Like you can't charge for investment planning. You won't be able to charge really for tax planning, estate planning. All of those things are going to be, you know, automated by AI and it's happening already. So, you know, when I say help without harm, advice without agenda, what I'm saying is that I don't have to accept conflicts of interest anymore. I don't have to do that because I own my firm. That's my name on the door. I am responsible for everything that happens. I don't hide behind a brand. It's my name. And so you know what I what I stand for and what I'm trying to do. And ultimately, you know, I'm I'm giving you advice without an agenda, a hidden agenda where I'm selling stuff, you know. I'm just, I'm just, I'm very 100% transparent by design, and you need to find someone that that that's like that.

SPEAKER_00 24:50

You know? I love that, man. Well, I wanted to ask you this too, because talking about that trust, talking about that, like you know, you work with people during some of the hardest moments in their lives. Retirement, losing a loved one, selling a business. What have those experiences taught you about what like money actually means to people?

SPEAKER_01 25:14

Oh wow. Um well, I think that, you know, if I, you know, if I if I do it right and I'm you know authentic and I'm sharing my life story with clients and they know what I've been through in my life and all of the, you know, the the ups and downs that I've been through, um you make a connection with people and you guide them through really difficult times where you know you try to make money, you try to you stress that money isn't the biggest, you know, issue here. It's you know, your well-being. You know, you're going through a divorce, you just lost your, you know, someone in your family, uh, you lost your job, your business failed, you sold a business, or you retired. That's another like people don't think about you know what it's like to actually retire after working for some in some industry for 30 years. You're it's a whole new life, and you can be completely lost in it. And so um I try to ground it in in the more important things in life, which is you know, your well-being and um, you know, to make sure that you have peace of mind. But um, you know, I think money, uh, especially when you when you have a lot of it, and I've worked with clients that have a lot of it, there's an there's another lay of a layer of complexity to it because you know you can families can get torn apart by it. So there's a lot. There's a lot that goes into it, you know.

SPEAKER_00 26:35

Well, I want to ask you this because you talk about the struggle between building a business and protecting your family life. Why do you think so many people, uh like driven people, wrestle with balancing those two?

SPEAKER_01 26:48

Well, I think uh, you know, uh speaking you know, my from my experience, my my my father grew up in Brooklyn, New York, and um he got into the business kind of in his late 20s and he worked so hard and he was he was away from home, you know, all the time, and and it took a real toll on my mother. She developed you know severe depression, then she took her life when I was seven. And you know, I think that people that are sometimes so driven can forget about the more important things in life, you know, because they just can't imagine failing. You know, they can't, there's no going back. There's like, you know, they're I'm not I'm not going back to the streets of Brooklyn. I'm not gonna, I'm not gonna live in that tenement apartment and you know, and it's and it's and it's all consuming. And they and sometimes, you know, they put the blinders on and they miss and things and bad things happen. And so for me, when you know, I think, especially after I I started my business in 2012, I felt that kind of obsessive component, like I was obsessive about it, you know, like I was not gonna fail. And and I had just gotten married, and we had just had our daughter, and I was working so hard that I I got hives so bad that my throat swelled up and I almost died. I got pneumonia from being exhausted and almost died. And, you know, I had to like, I had to make some serious, you know, decisions about look, you know, this is gonna take time. We can make it, we don't have to live big, let's live small, let's build this slower, slower than what I'm doing now because you're you're you're you know, like I was doing the same thing that my father was doing, and I had to pull back, and it took me longer to get to where I am today. But I think the decisions were important to make because you know, your family's more important, you're gonna get there, right? You think you need to get there yesterday, and you always feel like you're failing. Right. But in reality, it's just it's just it just takes time and it compounds. And once you get your foot, you you establish a foothold, and then that compounds over a couple of years, and and then you know, ultimately it's it takes you longer than what you would have you dreamt of or how you would have drawn it up. And if you look back and someone said it's gonna take you 10 years, you might not have done it because it seems so daunting. But at the same time, it's so worth it, you know, once you get to that point where you know things are, you know, you can pay your bills and and you have you know a little bit of breathing room uh to then to then compound to the next level, right?

SPEAKER_00 29:23

Yeah. Well, I want to ask you this because you mentioned that great advisors don't just win on data, they win because they listen better. Like, and when you're just telling the story, man, like wow, I didn't know about that backstory that you had. And that's just something that's so profound. And I mean, to hear how it shapes you and then like your journey to work-life balance, man, that's something that I think more people need to hear. But like, you said they don't just win on data. Like, why is listening such an underrated skill in finance and business? You gotta understand people, but like talk to me more about it.

SPEAKER_01 30:00

I think it's much more important now to be a good listener because um you're gonna have to really uh understand your clients in a way that you couldn't before. I think we touched on what AI will let me do now because it's everything when I have an interaction with a client, be it on uh, you know, in person, on the phone, uh in a call like this, all of it's recorded so I can just sit and listen and I'm not distracted by other things. That's critically important for financial advisors because you're not going to be able to have a successful business if you're not connecting on that human level with clients, because that's the only thing that you have left. You can't you're not selling products anymore, you're connecting with people, and you better be a good listener. And, you know, fortunately, we have tools that will allow us to be much better listeners without being salespeople. And I think that that ends up help helping everybody.

SPEAKER_00 30:51

It's so true, man. Well, I want to ask you this like, where can people go to find out more about you and what you do?

SPEAKER_01 30:59

Uh well, I have a I have a podcast. It's called Behind the Curtain Finance with Thomas Manetta. Um, it's basically a uh a platform that tries to teach financial advisors how to get you know better at their at their business. That's just one part of what I do. I also have short form content that I push out through social media channels. My website is www.minetawealth.com. Um if you'd like to just send me a note, my email is thomas at monetowth.com. And um and I'm yeah, and I think you can learn a lot about my background through LinkedIn. If you'd like to see where I've been and all the places I've worked, I think that's a good place to start.