Rick Wurster

And as we see clients trade on our 24-by-5 platform, we make

very certain that they trade in a way that they're they're recognizing the higher spreads and we make that very clear to them and uh and and they're they live with that for the convenience but we just need to be careful as we go to 24 by 7 that we don't lose the efficiency of the market and the benefits of getting everyone into the market at around the same time which is great for trading efficiency hey rick super quick 10 seconds feels optimistic this year

I think so.

There's a lot, you know, the economy is on strong footing.

Market's been up three years in a row.

Unless something changes, things look pretty good.

Yes.

Thanks for having me on.

We're so thrilled that you made the trip to be here in Denver at the conference.

The most rewarding part of the first year has been serving our 46 million clients.

And it's been a year in which the value of what we bring to the table, great in-person experiences, the leading digital app, the strength of our bank and wealth capabilities, where all of those things have been necessary to help clients navigate markets.

So that's what I...

take most from the first year.

It's just such an incredible opportunity to serve our clients and the 16,000 advisors on our platform, many of whom are here.

It's a real honor to be their partner in business.

We try to focus our clients on the long term.

I think that owning securities and assets over long periods of time will generally go up.

It's really hard to get the timing of markets down because you have to make two correct calls.

First, you've got to nail it to get out at the right time, which is really hard in the strength of the kind of market we've had and the momentum we've had.

To get out at the right time is incredibly hard.