Peter Tuchman

And I think the second part is the investment approach. We've been doing it a certain way for decades and the market's really moved in that direction. We're very focused on the after-fee, after-tax return that our clients get, and really tying their portfolio to their specific situation.

And I think the second part is the investment approach. We've been doing it a certain way for decades and the market's really moved in that direction. We're very focused on the after-fee, after-tax return that our clients get, and really tying their portfolio to their specific situation.

And I think the second part is the investment approach. We've been doing it a certain way for decades and the market's really moved in that direction. We're very focused on the after-fee, after-tax return that our clients get, and really tying their portfolio to their specific situation.

We know how much money you need and when you need it, and we're going to optimize everything to the best we can to make sure it has the highest chance of getting where you want to be when you need it.

We know how much money you need and when you need it, and we're going to optimize everything to the best we can to make sure it has the highest chance of getting where you want to be when you need it.

We know how much money you need and when you need it, and we're going to optimize everything to the best we can to make sure it has the highest chance of getting where you want to be when you need it.

And I think that approach of needs-based investing, instead of focusing on someone's age or their risk tolerance, really figuring out what do you need and when do you need it and tying things together that way, it's gone a long way.

And I think that approach of needs-based investing, instead of focusing on someone's age or their risk tolerance, really figuring out what do you need and when do you need it and tying things together that way, it's gone a long way.

And I think that approach of needs-based investing, instead of focusing on someone's age or their risk tolerance, really figuring out what do you need and when do you need it and tying things together that way, it's gone a long way.

Great to be with you again.

Great to be with you again.

Great to be with you again.

Great to be back.

Great to be back.

Great to be back.

Everyone here is very excited, Nicole, to have you as part of it. You've been an amazing follow. And so it's great to have you in our ecosystem.

Everyone here is very excited, Nicole, to have you as part of it. You've been an amazing follow. And so it's great to have you in our ecosystem.

Everyone here is very excited, Nicole, to have you as part of it. You've been an amazing follow. And so it's great to have you in our ecosystem.

I think that the thing with all New Year's resolutions, especially money ones, is that everyone gets motivated and motivation only gets you so far. Motivation is like just getting the engine started, but it's totally different to keep going and the real way to win isn't motivation, it's the consistency and persistency.

I think that the thing with all New Year's resolutions, especially money ones, is that everyone gets motivated and motivation only gets you so far. Motivation is like just getting the engine started, but it's totally different to keep going and the real way to win isn't motivation, it's the consistency and persistency.