Lacy Garcia
speaker
108 appearances
1 recordings
1 series
first heard Jan 2025
last heard Jan 2025
Lacy Garcia’s voice in public audio — every appearance, attributed to the second.
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Appearances
These are things that we should be doing from a very young age. But at the same time, if you're listening to this and you haven't started doing them or you're like the majority of Gen Xers or baby boomers or even millennials who feel like we're behind, you're not behind, right? Like today is the day to start. Today is the right time to start. Tomorrow is the right time to start.
But I think that there's a lot of perceptions where we disconnect this and we think we have to get to a certain point. Like the goals are really clear and easy. Get into a good school, get the right job. You talked about your performance-driven, you get here and you get here, but where are you then normalizing? Okay, start to actually put money away for retirement. I think that's changing.
I think that's getting better, that I think it's coming more, like we're seeing actually, if you look at now the Gen Z population, they're actually... over 70% of them are already investing, which is far more so. So I think that a lot of this is now we're starting to talk about it, but it has been, it's a seismic shift, right? It's a big shift and it's an overdue and is needed to happen.
I mean, and on a personal level for me, I mean, I think that I didn't really understand the whole concept of why you need to put money away from retirement. And it seems embarrassing to say that out loud. But the reality was I was thinking like, oh, you're always earning, you're always earning, you're this and you're that. But not taking into fact, what happens if you want to take time off?
What happens if you want... To make a career change. And then what if you actually want to retire at some point and get to do some of the things that you weren't able to do when you were working full-time? And that's something because I was always more focused on, okay, my short-term goals.
I was looking at it from like, what am I trying to accomplish this year or in the next couple of years and kind of putting aside, oh, I'll get to that later. And then all of a sudden you realize if you have an unexpected event, that drains you financially. And then you're struggling just to even figure out how you're going to deal with your short-term circumstances, let alone your medium-term.
And then you realize all of a sudden, wait a second, I don't have a long-term plan.
And I think that if you... can embed at all times, you're thinking short, you're thinking medium, you're thinking longer term. Like you won't have to feel so panicked, right? And that's something that I've experienced. So there's all of a sudden like, oh my gosh, here I am. How did I get in this position? How did I make these decisions? stakes.
But the reality is a lot of us are doing this, right? You've got to then take a breath.
When I was the head of marketing and I was pulled in to become an advisor, and that was this aha moment because I was like, wait a second, why am... It was because the clients wanted to work with me. The way in which I was interacting with my clients was that I was acting as a coach and an educator. And I was deeply connected to them on a personal level and cared about them.
So they were choosing to work with me. me right and I'm like okay well there's something here right in that and then I when I was looking for Me, to work with me, I couldn't find it, right? I couldn't find somebody who was, and a better version of me, somebody who actually had like more, longer investment experience and a lot of the things that I didn't think I had, right?
If I was sitting here, I'm like, why do you want to work with me? But I know that this worked for my client. Like, I think the reality is that I had seen that this model worked. I was working in the ultra high network space and with clients who had clients significant assets. But there was also, I think that I was somebody who did not fall into that category, certainly at the time.
And like, I was more in, we call this mass affluent market. And I'm like, but I need this guidance even more so, right? Because I'm trying to make a lot more happen with less, you know? And so I felt like, why shouldn't I get this? And in talking with friends and colleagues and peers, it's like, yeah, but wait a second. Everybody else wants this too and feels like we should be able to get it.
And meanwhile, you're looking at the data and the industry. And at the time, it was like the majority of women And majority of millennial investors were saying, I am dissatisfied. I am unhappy. I cannot find an advisor that I feel like cares about me, that I connect with on a personal level, who I can trust.
And this just doesn't make any sense because I've seen firsthand being able to be part of the solution for those investors. As an advisor, I knew that I'm like, I wanted the same thing. I felt like I deserved it. I had no idea how to get it. I was in the industry and I was trying to find it and I couldn't find it. And the other people needed it.
And then meanwhile, there's also a market opportunity. Like a real challenge. So I think I was really lucky that I, frankly, in many ways, you know, getting the opportunity to start
willow and trustwillow.com has been my chance to sort of make lemonade out of the lemons in my life but also you realize when you're all of a sudden in a moment where you're like all the stuff that's been so hard is suffering and actually wait a second I'm not alone in this moment and there needs to be a solution for me and there needs to be a solution for others and quite frankly I
It's time to do something about it. For years, I've just thought, and as we've started with Willow, it's like, this is so needed. And it's been needed for years and years and years. And I always think what we're doing may seem like common sense, but it hasn't been common practice. And it's about time that it happens. So I think in that sense, I just was listening. I was paying attention.
I was listening. I was feeling my pain. I was trying to do something proactive about it. And then I realized that there was an opportunity for others. Like others were looking for the same solution that I was looking for. And quite frankly, also, there was a business opportunity there as well that the market needed this opportunity.
And I will say, because that's my founder experience. I've worked at other startups and I've been sort of in and around entrepreneurship in different forms. And then entrepreneurship and kind of other forms of the entrepreneurship cycle. And I can say firsthand, I mean, I am the initial data point here. Like I'm the first customer and the first client.
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