Ryan Sterling
speaker
807 appearances
4 recordings
1 series
first heard Feb 2026
last heard 7 Sep
Ryan Sterling’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 4 in all, peaking in Sep 2026 with 1.
Appearances
And the reason being is like, yes, you can understand all of this at a very intellectual level, but it's very different when you're trying to execute it at a very personal level.
And that's where we come in to play.
But so where do some of the conflicts of interest arise?
Let's talk about the AOM model first.
It really comes down to, you know, we make more money as we manage more money.
Now, some firms will say that we are aligned with our client's best interest and that we make more if our clients make more over time.
So on the one hand, some people would say, well, actually kind of solves that conflict because we're aligned with our client's success.
Other people would say, well, it just becomes an asset grab.
Where if someone comes to us and says, hey, I'm thinking about paying down my mortgage, you know, should I?
And it requires, you know, $200,000 to leave the portfolio.
We're going to make less money if the person pays off their mortgage.
So are we incentivized to say, no, no, no, no, no.
Keep it in the account because we want more money to manage.
So that's where the skeptic would come in and say, like, that's where our incentives are.
Yeah, so it's basically everything you just said in terms of it's a percentage of the assets that are being managed.
Now, that range can be anything from as low as call it half percent on the low end up to I've seen two or two and a half percent on the high end.
It also depends on how much money you have being managed.
So typically smaller balances come with higher percentages and it scales down over time.
So that's how we're structured.
So again, we're based on assets under management.
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