Rick Wurster

So I think you have a retail buyer that has strong hands

and we'll stick through the market.

We'll see how it all plays out, but markets go up and down and retail investors will inevitably make some decisions in there that's best for them.

Well, our customer is an incredibly thoughtful group of retail investors.

First, they have access to what we think are the best investing platforms in the industry.

Number two, they have access to the most robust research platform.

We produce 35 hours a week of live education and training for investors so that they're making the most informed decisions.

We also don't make them choose a channel.

Not only the leading digital app, but they can walk in and talk to someone.

They can call our phone and get their information.

question answered in less than 30 seconds.

We have a thousand professional traders that wake up every morning ready to answer the phone to help our clients trade.

So I think that we bring everything we can to help our clients be successful.

And I think they make thoughtful decisions that are best for their financial life.

So one-third of our new to firm clients are Gen Z, which is between the ages of 13 and 28.

We are having tremendous success.

New customers, but we're having tremendous success with the young investor because we see through their eyes and we put all the weight and strength of our firm behind helping them live their best financial life and make the smartest financial decisions for them.

We don't just say, hey, here's a platform, go for it.

Certainly many want to do that, and they can have at it.

But we also stand behind every one of them if they want access to our research, they want to talk to a professional.