Todd Tresidder

And people have really resonated with it.

And so I always gave myself permission.

I said, if I got a lot of negative feedback, I would just quit.

Right.

yeah tell and it's never happened and so i just kept building so anyway i'm sorry i got off track the point is the i was originally was just to fill a coaching practice and see if i could actually help people and i'm way over past that i mean the coaching practice way oversold i haven't accepted new clients for a couple years now and so now i'm trying to convert it into courses try to put todd in a box yeah go go go one to many instead of one to one and then you can influence more people

Oh, exactly.

And at a better price point, it's a way to deliver way better value for people, help way more people, you know, leverage through technology.

It's just a much smarter business model.

And I've got the platform now.

The platform's financial managers continues to grow as more and more people find it.

And so the platform's large enough to support a much bigger business structure.

Vaguely.

I mean, I don't follow David Swenson, but it's going to be a conventional asset allocation because if he published it widely, that's about all he can do.

Well, the premise is if I want to be a passive investor, the thing I would change is being a passive investor.

Got it, yeah.

In other words, the research is clear that 80%, 90% of your return, depending on which research study you look at, the variance in return is due to your specific asset allocation.

What they don't say, though, so that leads you to believe that your asset allocation formula is magical.

It's not because the research also shows that you can take the top, you know, 12, 15 asset allocations out there, plot them over 30 years.

And while they'll have great variance in any one to three year period over 30 years, they're all within one percentage point compounded of each other.

I believe Ray Dalio's is in that study as well, because the study, it was by Meb Faber over at Faber.com.