Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

How Ari & James Met - Here's How Root Was Founded

• Ari Taublieb, CFP®, MBA • Episode 114

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Forced out of one path, we took a leap into the unknown that birthed Root, a financial services company with a fresh vision. Join us and our special guest, James, as we recount the serendipitous meeting in a Santa Monica Starbucks that sparked a revolution in financial management. This episode promises insights into how aligning financial advice with life goals can transform not just portfolios but lives, turning money into a meaningful tool rather than a mere transaction.

Discover how Root evolved from a concept to a flourishing business, guided by a mission that challenges the traditional norms of finance. We share the trials and triumphs of our early days, including the creation of our podcast and YouTube channel, aiming to inspire and educate a growing community. Our story is not just about numbers but about people, purpose, and the passion that drives us to help clients live richer, more intentional lives.

As we wrap up, we delve into the essence of investing with purpose, emphasizing the importance of understanding both the potential and the risks. We underscore that past performance is not a predictor of future success and the necessity of personalized professional advice. Tune in to learn how Root continues to guide clients toward maximizing their financial potential while staying rooted in values and holistic well-being.

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Ari Taublieb, CFP ®, MBA is the Vice President of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Speaker 1:

If you had told me seven years ago that we'd be working with a few hundred clients across the country, that we'd have 30 different team members helping to support those clients, that we would have about a billion dollars in assets that clients had entrusted to us to help them manage, I would have said beyond a shadow of a doubt that you are out of your mind. That is not going to happen. I was very happy at my old firm prior to starting Root. Never saw myself going anywhere. Yet here we are, and so, ari, what we're going to do today is we're going to tell the backstory of both how Root came into existence, how you and I met, how we've grown, what we've grown and what that ultimately means for the team here, for clients that we serve and, hopefully, for the industry at large.

Speaker 2:

It's going to be a special episode and this was prompted by your guys' comments. So, yes, we look at those and we appreciate them. We have a really special announcement in that we have a name for the show officially. I'm going to tell it to you guys all in one second, but I have to shout out some awesome names that came through that we heavily considered. We saw someone say you should just call it Retirement Made Easier. Discussion About Dollars. Curb your Volatility. A reference to Curb your Enthusiasm. The J&A Show, twin Minds. Lots of awesome comments. So thank you guys for leaving those. We are going to call this Root Talks and it would not be right to start Root Talks without the story behind how Root got founded. So that comment was left by AlanYoung159, who says you guys should do a video on how you guys met, how Root came about, the challenges of building up the business. I'd find that interesting. I think you will, alan.

Speaker 1:

Yeah, well, if you find it interesting, we're happy to tell it. I will say one more thing that we are now going to host this channel or this video on a Root specific YouTube page. So, ari, you and I both have our individual YouTube pages where people follow us, and one of the reasons we started doing this podcast was so many people said wait, ari, you and James work together. I had no idea I followed you both independently, so really cool to see that you're both at Root and so this is going to be on the Root YouTube channel. So make sure, wherever you're listening to this, go subscribe to the Root YouTube channel, the Root Financial YouTube channel. Let's tell the backstory and I'm trying to figure out we're trying to figure out how do we do this in 15 to 20 minutes, because the story is long and it's got this crazy plot twist and twist and turns. But we're going to keep it high level and share how this came to be, because it has been quite the adventure and some cool things that we get to do.

Speaker 1:

But seven plus years ago I was not at Root. You were not at Root. Root was not a thing. I was working as a financial advisor for another company and great company. You learned a lot, enjoyed the work I got to do and didn't ever see myself doing anything other than continuing to be a financial advisor at that company. So thought honestly it was weird to say as a 28 year old at the time I'd not ever see myself working anywhere. Other than that I saw myself as just wanting to be a great financial advisor for my clients and probably spending the rest of my career there.

Speaker 1:

Then one day and this is a long story that at some point, if people are interested, we'll have to tell, but it's a fun, wild story but one day I was asked to resign out of seemingly nowhere. I was asked to resign, which meant that my dream of working here forever was just a dream. It's not actually going to happen. And in retrospect, one of the greatest things that ever happened because as painful as that was what that prompted me to do what it forced me to do was say why am I actually doing this? You know, why am I actually in this industry? I've been doing this my whole life. Post-college. I felt like I was pretty good at it and so I did start to think about that.

Speaker 1:

I just a lot of introspection, a lot of time to think of. Am I actually doing this because it's what I love most and what I want to spend the rest of my working life doing? Or am I doing it because it's easy to be good at something and you get in a rut and it just seems scary to ever do anything other than that. So it was why am I doing this? And I remember I just spent a whole day.

Speaker 1:

I live in a city called Cardiff, california, cardiff by the sea, north County, san Diego area. There's this awesome campground near us called Santa Lea Hill campgrounds, and I remember just taking a day and just journaling journaling about everything. Do I want to do this for the rest of my life? If so, what do we want that to look like? If so, how could we make root very different than what traditional financial services have looked like? What are the types of people that I would want to do this with? Do I want to do this with other people or do I just want to do this by myself and serve a handful of clients and keep things really lean and efficient so I can live a great life with my family?

Speaker 1:

So there was just a lot of introspection, a lot of reflection, and that, ultimately, is what gave birth to Root is three months after being asked to resign from my previous company.

Speaker 1:

I said this beyond a shadow of doubt is not just what I want to spend the rest of my career doing, but is the best career maybe in the entirety of the world in terms of how honestly fun it is, in terms of the impact you get to have, the transformation that you get to be part of when you're working with clients for long periods of time, the mix between the critical thinking skills and the application of that to real life scenarios. And so walked away from that saying, yes, I hope to do this forever, forever, but I want to surround myself with a great group of people that are highly ambitious, that do have the same values, that do have the same desires, both for themselves and for the impact that they want to see with their clients. And Root started three months later. Here we are, seven years later from the start of Root, and right about that time, right about the time that Root was starting Ari, that's where our paths first crossed.

Speaker 2:

Yeah, a lot of people go. Well, I did some research and it looks like Ari, you're from Malibu, california, and James went to Pepperdine and I didn't see either of you guys in that Zoe 101 show. So maybe your paths crossed after that. And I say you're right, neither of us were in that little children's TV show. But that's actually not how our paths crossed.

Speaker 2:

And when I was at a Starbucks in Santa Monica I was reaching for a charging little station and some guy helped me out and we had a little conversation and we had. It was very loose, but I told him I was in finance, didn't know exactly what I wanted to do, I was in college, and he said there was this really impressive guy. I wasn't that close with them, but lots of people talked about him. I was like sure there's like lots of impressive people out there and he's like no, really like it might be worth reaching out. So I knew nothing about James other than saying you know this guy randomly I just met in a Starbucks in Santa Monica says you're impressive. So I sent him an email saying look, I really don't know anything about you. You look like you're a smart guy. You've got this certification at a young age, so is it worth the conversation. And at that point I knew nothing about what I wanted to do. And it's still the best email I've ever sent, because it's led me to where I am right now.

Speaker 2:

What I want to dive into in more detail, james, is how many people say I'm going to start something that's different and they say that and then it becomes just another financial company where it's just, yep, we're going to talk investing, but no purpose and no actual like okay, what else am I going to think about when it comes to retirement planning? So right now, we have a head of people and culture here at Root. Not everyone would think a financial company would have someone like that. So want to go deeper, certainly into the. Okay, what was the vision? You were at the campground and you thought, yeah, I want to do this on a bigger scale than just me. How did you think it was going to be different? What was your plan?

Speaker 1:

So part of it is you don't know the future until you start living into it. But it's always important to kind of have that North star what are we going for, what are we working towards? And some of the actual decisions and details along the way will become clear as you start moving towards that. But I think that whenever you start anything this isn't just true for Root, this is true in general it's way easier to start something that's been done before because there's a playbook. Okay, I can just look at what those people did and just copy that. Or I can see what this consultant says to do and copy that, and you can do that. But then you're just going to become like every other company, like every other firm. I didn't want to do that because this the industry I just told you. I think that this, the impact that you can have in this industry, is so incredible when you see real lives transformed in real ways there it's. It's incredible to see that.

Speaker 1:

But this industry isn't necessarily known for being super cutting edge in terms of the way it does things. A lot of this industry is still just people selling stuff. A lot of financial advice is. I might call myself a financial advisor, but all I'm doing is selling you a product, I'm just selling you a mutual fund, I'm just selling you a life insurance product, and that's not what we wanted to do. That's not transformative, that's just transactional, no-transcript.

Speaker 1:

I think oftentimes we think of well, here's my life, over here, and then kind of like, the money is the things I do on the side, but it truly is fully integrated, fully holistic. When you talk about overall wellness, you know people, you'll talk about physical wellness, you'll talk about mental wellness, spiritual wellness, whatever it is, and then we kind of think it's like money is something different, like it's in its box to the side, and money cannot be separated from anything in our life. Not because our portfolio and our savings account needs to be, I don't know, prioritized to the same extent that our physical health or mental health or anything like that does, but that is what enables us to pursue everything else. And that's not just what enables us to pursue everything else. If we don't have it, or if we manage it poorly, it's darn near impossible to focus on everything else. It's one of those things that you know like like air, you know you don't know how much you appreciate it until you don't have it well. Finances you don't know how much it matters until it's managed incorrectly, until you make a major mistake, until something happens, and that's that's all you can think about.

Speaker 1:

So it was this sense of how do we use money as a tool to help people live more purposeful, meaningful lives, how do we use money as a tool to help people get the most out of life. So it doesn't matter to us how big our portfolio grows, how much money we save in taxes, how many cool estate planning things we do, if we never actually translate that into my life was now better because of these decisions that I made. Who cares at the end of the day? So how do we connect the two of starting with purpose, of starting with what does an ideal life look like? And then let's be the best possible financial advisors, tactically speaking, to design the portfolios and tax strategies and everything else that goes along with that, but only in service to or in support of what actually matters. And so that became the North Star, like I said, and as we've grown this that's changed in terms of how do we pursue that, but that's what we're always pursuing.

Speaker 2:

So that first conversation you touched on a few things one of selling products, which is really what I was doing, and when I first emailed you, James, you probably remember, but you were actually giving me guidance on, hey, yeah, that company seems like it's a good company. I don't know if that's exactly what you want to do the rest of your life, but it's a job and it's going to pay you something. And at that point I graduated school going, look, I want to have my own financial independence. And you didn't say it was horrible, and I was looking up to even at that point, from someone who recently left a job, going, okay, well, he's got more experience. I'm going to listen to this guy. And so here I am, working a job.

Speaker 2:

I didn't love it, and I would email you every three months, maybe every four months, going, hey, James, any update? Like, can you hire me yet? Do you need any help? What's the latest? And you'd be like hey, man, like I don't know, I'm still trying to grow this thing and I'm thinking about I want to do it right, so I don't do it too quick. And the last thing I want is to hire you and then have to fire you a month later and I'm like I'm even cool with that. No, I you are, but you never really questioned like, hey, Ari, why do you want to join this so badly?

Speaker 2:

And the truth is, here I am working at a company that I thought was okay. But I thought, hey, I'm talking to advisors all day, every day, about mutual funds, about ETFs, about SMAs, about investment products, and all these advisors are asking me when I was at my role, going, hey, how much is this going to pay me? And I say I don't understand the question. They said, yeah, well, if I were to offer this potential product to my client, what's the commission? And this? I go hey, don't you want to know, like, how well we've done? Or anything like that. And I didn't feel a trust feeling with these advisors and I thought of my parents and I went maybe they have an advisor and maybe they're doing this and like, hey, what's ethical and what's not? And I got just a feeling of complete integrity beyond competence from you and went, look, this is a guy that maybe I could be wrong, but I think this guy is a good dude who knows what he's talking about. And I'm going to take a flyer.

Speaker 2:

And at that point you eventually. What was that? Three years later, something like that you said hey, I think I'm ready to hire you. I don't know a hundred percent, but I think I'm ready and I drove down for a year from Malibu to San Diego and I love doing it. I would listen to your podcast in the car on the way to sitting next to you every day for a year, and it was just epic, just here, but it wasn't what we have today. So maybe it would be cool to tell people a little bit about like hey, did you just start, and was it the YouTube channel and the podcast? Or you know how do we even grow? The question here from Alan was what were the challenges of building up the business? Any thoughts there?

Speaker 1:

Yeah, a few thoughts. I don't think you intended it this way, but you, almost four years ago, like forced my hand a little bit. You know, I was the first two years, three years. I was trying to build something. I was trying to say, okay, I gotta make this thing profitable, I've gotta make this thing something that could support me and my eventual family. Um, and and I remember you impressed me a lot from day one I almost didn't respond to your email because you emailed me I don't know a few weeks into starting Root, when I had no money to bring on a team member.

Speaker 1:

I wasn't planning to start Root, so it wasn't like I was in this awesome position with tons of cash to just be like, yeah, I'll bring on whatever. I did respond and we had a conversation and I said, okay, this is someone that I'm going back to my experiences journaling all day. It's like this is the type of person that fits what I would be looking for Someone that wants to build something, someone that's in this for you know, not just the paycheck, cause you can have made a lot of money. Where you were, you were doing really well, you had a path to do really well there. You just your heart wasn't in it, you didn't love there. You just your heart wasn't in it, you didn't love it, you didn't think it was the right thing. So much so that you're like, hey, I'll come Like you were taking a pay cut to come and work and have no idea if this thing was going to work or not. But what I do remember is, yeah, you, you would check in with me every few months. You would drive down just to shadow me all day and say, hey, what is it like to work? Can I take you to lunch? And just like, when I say drive down, I don't mean drive down 15 minutes, I mean drive two and a half hours super early in the morning just to sit in a chair behind me, kind of seeing what does it look like to a day in the life. Take me to lunch, continue doing it after that and drive back another two and a half hours, probably more, in traffic. So it was like this guy is committed. And I remember one day you're finally like, look, I'm going to make a change. I've talked to some other firms. They're all great, you know they've. I have offers, so I have like there's an intent that they will bring me on. But I want to talk to you first, james, because if we could make something work like this is where I want to be. And so I remember thinking, okay, like I, I can't be dumb, like I cannot let this opportunity pass. I still felt, like you know, anytime you hire your first team member, it's a little scary because it's like what if this doesn't work financially because of the relationship, whatever it is. But I said, okay, let's make it work. And obviously it was just awesome.

Speaker 1:

But those early days it was I think the podcast had started. So the first podcast I started was with another advisor. From the standpoint, we said let's just start something. How do we reach a lot of people? How do we do something that adds a lot of value? And I started another podcast back in 2019 with another advisor just talking about common questions we get from clients. And then we just go back and forth, kind of like you and I are doing here, of perspective when do we see eye to eye, where would we see differently? And we just we would release that. And then that kind of evolved into the Ready for Retirement podcast, which evolved into the YouTube channel, which evolved into you doing a podcast, you doing a YouTube channel.

Speaker 1:

But those early days I was in San Diego, you were up in Malibu. We had a co-working space that we got and we were working out of a very I don't even know how big the room was maybe 120 square feet, maybe maybe less, I have no idea and it was just hey, come down and let's figure this thing out. Let's start to build a system and a structure that can grow with us as we continue to grow the team. And now there's you know, four years later as of this recording 30 team members. There's hundreds of clients all over the country. There's a lot of assets entrusted to us by these clients who are attracted to that mission of not just building my portfolio forever, but how do I get the most out of life with my money? And it's a ton of fun doing it and lots of really cool things to come.

Speaker 2:

For those of you listening right now who are like hey, I want to know, like, what's the latest with Root and how are you guys actually like implementing this? Because this is more of the story as to how Root has become Root. We did a master plan where we just put out exactly like hey, here's how many people are reaching out and here's like P&Ls and like us going into detail as to like why we have low overhead and how that actually impacts you as clients. But a lot of you listening right now want to work at Root and we've seen your names come through from applications. Others of you are going well, I want to work either in some capacity with Root, but we don't really know how. But it just feels like you guys are different.

Speaker 2:

This is something that I feel really is the difference, which is we like doing it. If we were building this because it was our job, I think we'd still grow, I think it would still work, but it wouldn't be the same to the point where, when people reach out, part of the process here and I'm one of the people that takes the first call it's hey, what is the plan in terms of, like, what do you want to do in retirement and some people are like I don't understand the question. I'm like, yeah, what are you going to do? You probably haven't seen your wife in 30 years. You want to redate her. And they're like, oh, I thought you were going to tell me if I should buy Apple or Microsoft. It's like no, it's way deeper than that. So when you were thinking about root and the vision and purpose and how this, what was the number one, like, oh, this is what I'm going to do so it doesn't become like a traditional financial company.

Speaker 1:

Well, I think that there's several things I'm trying to even think like which was the most impactful. Even going back to that time, I just went to the campground and journal Like I just finished reading a book called Living Forward, which, when someone recommends what's the best book for financial planning to read, I recommend that book. And it has nothing to do with financial planning. It has everything to do with how do you envision your future. I mean literally, it says, like imagine you're at your funeral, people that are meaningful to you there, like your wife's there, your kids are there, god's there, coworkers are there, neighbors are there. Like what are people saying about you and the way you lived your life? And then back into like what can you I mean, read the book.

Speaker 1:

I won't try to summarize the whole thing here, but I think that that's always been a personal thing to me is like trying to live life by design, try to live life purposefully. I'm not perfect by any means, but how can I be really intentional about the things that I'm doing so they align with the outcome that I'm looking for? And not outcome from like a Monte Carlo probability of success outcome, but like to have the relationship with my wife that I want to have to have a relationship with my kids and friends and community, like all these things, and it's okay. Well, how can we take that to clients as well now, obviously, like there's a depth to that. That is very individual and it's very much a personal thing, but how can we be guides to help clients organize their thinking and think about the right things? You know, every single advisor at Root is incredible at what they do. It's just world class when it comes to their ability to do the financial things right.

Speaker 1:

That's not why people should come to Root. People should come to Root when they want someone to help them prioritize and focus on the things that can't be quantified on a balance sheet, in a portfolio, in an asset allocation. So we can say how can we transform the financial success that you've had and turn that into life success, turn that into the future that you want to live, and not just the future starting years from now, but the future starting today. How can we start doing that so that you can focus on the things that you want to do? Going back to what we said earlier using money as a tool as opposed to the money being the thing that we're all about. That justifies our existence.

Speaker 1:

No, money's not the thing. Money is a tool. Money is the thing that supports the thing, which is the way that we want to live our lives. So I think that was always embedded in the fabric of the way that we work, because it's always been a big part of who I am. I think it's a big part of how a lot of people here operate and that just is becoming more and more, I guess, systematized and structured as we grow. To say, how can we continue taking that to as many people as possible?

Speaker 2:

I know it's why I joined I was like, look, there's a feeling and I can't exactly quantify this feeling, but growing up with me, I grew up in Malibu, so a lot of people will think, oh, you kind of had it easy and money, everyone had money. I go, there was money around me. I wanted a job so badly out of college because I wanted financial independence, because it felt like money only led to stress in my household. I feel like there was never enough. My parents made great money. They make movies, they were artists. There was absolutely no structure around money. And so this concept that there'd be a financial plan I and I'll admit this and I do constantly in my videos I'll say look, I didn't have a Roth IRA working at a financial company. Because I felt like, if I asked that question, it was like, oh, how could you not know this already? So I wanted to go okay, where can I work where I can really make a difference and make people not feel the way I felt growing up.

Speaker 2:

And I know you have a similar story, different, but you have a story where you were sharing hey, there wasn't financial literacy. Then all of a sudden there was and you became an advisor. But it's not like you woke up or came out of the womb going. I'm going to be a business owner and I'm going to manage, you know, 30 people I love and I think this. You know there's a lot of ways we could, of course, end this, but when you're, when people think about you right now, they think James, founder of Root, probably getting 10,000 emails a day, managing 30 people, what do you tell people when they're like, hey, how do you manage everything going on in the growth? And you guys are at a billion dollars in this? Like, how do you do this as a business owner?

Speaker 1:

I. When I started root, it was very clear to me I didn't want to manage people in the traditional sense. Managing implied the sense of like holding people. Hey, how many clients do you talk to today? Did you hit your targets today? Do this? Do that? I wanted people that were self-starters, people that had the same desire and passion for this, people that were incredible at what they did, so that, yes, the team there needs to be, this vision and this guidance of what we're pursuing. But we have a team of self-starters who are incredibly good at what they do, and the system is what essentially, I guess, manages all of us in terms of like directing where our energy should go, how we should be working, what we should be doing. So there's all kinds of things that we've done at root to do that, but no, I think that I don't feel like I manage anybody. I feel like I get to work with 30 of the most brilliant people I know, all uniquely qualified in very different ways, to say, wow, we can take all these talents and skill sets and harness them to create something that's really special.

Speaker 1:

We talk about this a lot in our master plan. The goal here is not just to say we just want to grow a big firm and then sell it one day so we can retire and play golf. That sounds really boring to me. What sounds fun and exciting is building something that creates impact, and a big part of that is, yes, impact for clients, but it starts with impact for the team.

Speaker 1:

And how do we create? The best thing that we can ultimately do for clients both current clients and future clients is build the best possible place for the smartest, most caring, most compassionate people in the world to come and say this is where I want to spend my career, because I'm going to be developed, I'm going to be taken care of, I'm going to be given a place where my skillset and drive can be encouraged and supported and I want to stay there for the rest of my life. Like that's the best thing we can do for clients is have a place that attracts the best people and is a place where the best people can call home for the rest of their lives, and so that's a big part of my focus now is how do we create that environment that brings in the best people, which then allows us to deliver the best possible advice for everyone?

Speaker 2:

I know we could do four more hours and we will. We're going to do four more? No, we're not, but we want to make sure whoever's listening right now. This is something. I did not have to join. I chose to and it was the best decision I've made. I imagine you've told yourself hey, I'm so glad I started Root and we had no idea it would become what it's become. And we say it because it's true. It's like, hey, we are just getting started and our goal is to help as many people as possible. Whether you're working with Root, whether you're in our academies, whether you're just reading the newsletter, wherever you are in your stage of life, but anything else, james, you want to share with everyone about how you founded Root challenges anything else.

Speaker 1:

No, I mean I'll tell maybe my personal story later, but, like, my parents are the hardest working people I know and like did everything right when it came to effort and the love and the support they put into raising a family and trying to take care of things and finances. But it was like, unless you have that structure, unless you have that sense of how do we direct what we're doing, there's not going to be that sense of financial peace. You're not going to be able to use your finances as a means to support what matters most to you. And so you know, going back to your story, maybe I'll tell more of the personal story at a later time, but it's like that's why we exist to help really great people who want to do great things, who love their families, who love their communities, who love the world around them and just want to be able to experience it and support it. How can we help with that? And you know, I don't know when people are gonna be listening to this. Obviously, this will be released at the end of 2024. People might be listening right when it gets released. They might listen months from now, years from now.

Speaker 1:

But one of the things you and I just met recently to talk about how can we expand upon what we're doing going forward. We have the individual YouTube channels. We're now going to be doing. This is obviously Root folks' YouTube channels. We have the goals like bring on other team members, let people see what's it like at Root, but we also have our personal social media pages that you've been doing a good job of being active on. I haven't been on Instagram in six plus years and you know we talked about, hey, let's get active there Again. I didn't even know how to use it. I feel so I don't know, felt old trying to get back on there because, like I don't even know how to post anything anymore. Trying to get back on there Cause like I don't even know how to post anything anymore, but, ari, where can people find you? Cause I think that's a big part of what we want to do is is get connected to more people in more places.

Speaker 2:

Yeah, early retirement, ari, so early retirement, ari. That's where you can find me on Instagram, and you can also just search my name on LinkedIn. My name is Ari Taublieb. I've gotten Teletubby Taboolie Rough Childhood. Okay, no, so it's T-A-U-B-L-I-E-B, and that's just to follow personal things, and I'll share everything from the soccer that I do. I own a semi-professional soccer team. Should I do that? Absolutely not, but I don't want to wait and purchase that when I'm 40. And I could have more time with my brother and good luck quantifying to find that on a spreadsheet. I know, james, you have your Instagram where you'll be posting lots of different cool things family work, et cetera. Is that just James Canole? I believe.

Speaker 1:

Yeah, I'm looking at it right now. James Canole. So James C-O-N-O-L-E on Instagram, follow me there. Linkedin, James Canole. Follow our company page too. So if you're on Instagram, it's Root Financial. There's a company page, right? I say that because we're going to be doing a lot more on there. We really prioritize a lot on YouTube and podcasts and it's how can we do more and more different places to stay connected. So follow us. Thank you for supporting everyone. I know there's a lot of just. It's fun to see comments. It's fun to see people that started commenting years ago and they're still tuning into the channel and listening in. So thank you to all of you. All right, Anything else on your?

Speaker 2:

end. That's it. We'll see you all on MySpace. No, just kidding. See you guys next time.

Speaker 1:

All right, see you everyone. The information presented is for educational purposes only and is not intended as an offer or solicitation for the sale or purchase of any specific securities, investments or investment strategies. Investments involve risk and are not guaranteed. Any mention of rates of return are historical and illustrative in nature and are not a guarantee of future returns. Past performance does not guarantee future performance.

Speaker 2:

Viewers are encouraged to seek advice from a qualified tax, legal or investment advisor professional to determine whether any information presented may be suitable for their specific situation Once again.

Speaker 1:

I'm James Canole, founder of Root Financial, and if you're interested in seeing how we help our clients at Root Financial get the most out of life with their money, be sure to visit us at wwwrootfinancialpartnerscom.