Shae Murray on Career Pivots, Building Trust and Finding Your Place In Finance

In this episode of Compound Growth, Colin and Wheeler sit down with their colleague and the third leg of the stool — Shae Murray — for a candid, wide-ranging conversation about non-traditional career paths, what it really takes to build confidence in a new field, and why growth often looks nothing like you planned.

Shae shares her journey from early childhood education — working across Montessori schools, Head Start programs, and a childcare center for MGH doctors — to landing in the world of financial services completely by accident. What followed was a crash course in everything from the stock market to the Series 7 exam, navigating corporate culture, getting licensed, and ultimately finding her place at CoFi Advisors as the team's very first employee.

Along the way, Colin and Wheeler get personal. They talk about identity (yes, the name thing), the mentor who shaped how Shae approaches her work, what it means to be a client's first point of contact, and a surprisingly spirited 53-minute conversation about AI that nobody planned to have.

Shae also shares her perspective on women in financial services — where the industry falls short, what the RIA space gets right, and why she thinks the tide is starting to turn.

It's honest, warm, funny in places, and — yes — it does start with a very sad stuffed horse named Fuego.

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Credits:
Created By: Wheeler Crowley and Colin Walker
Production, Editing and Post-Production: Tori Rothwell

Transcript

So what is this?So this is a, this is a horse.Does that qualify as a horse?This isSort of.Um, so this horse, this is Fuego, and Fuego is a, I wanna say a Chinese fire horse.We have a special guest in the studio today that can correct me on things, but Chinese fire horse, right, Mikaila?So this is the year of the fire horse, you guys.2026 is.2026.Okay.All right, so thisYou know that Chinese New Year is not- Yeah, Chinese New Years.Mm-hmm.Right, so this is the year of the fire horse.And so in celebration of the year of the fire horse, um, this company made all these cute little fire horsies, and they have, like, little bells on them, and dogs and cats get excited and play with them.But the problem was, they made all these fire horses- Finnigan's outside the moment you stood up See?They madeUm, they made all these fire horses, um, but there was an error, and, uh, they made them all sad.That's very sad.That's a very sadIt is the saddest looking stuffed animal I've ever seen.So, um, my wife and daughter very cleverly made a happy face that you can put on it, and it totally changes the perspective of what the horse is, 'cause now he looks like a very proud horse.He's like- You have to sew that on.Yeahhe's like the proudest horse ever.No, the point of this, though, is actually the frown.Because the frown made this horse extra special.This is a collector's item, because it was a printing error.Ah.Which I think is really interesting.It's, like, a manufacturing error that makes this more special than it would've been if- May I ask- Yeahwhat are the, the pink dots in the blackAre they, like, supposed to be an extra set of eyes?Or- Pink dots in theIs it?Right below the frown,Oh my God, I think it's more printing error.I haven't even noticed those 'cause the frown is soIt looks like he's crying from the sides of his mouth.Yeah.So I think those are probably supposed to be, like, little, like, maybe nostrils- Nostrils.Ohor something.Like, I've never even noticed that part, but- What's funny is his eyes are sad, toohisBut not if you put the happy face on.Where'd my happy face go?I lost my happy face.Anyways, if you put the happy face on, the, he looks proud.And it's just a change of perspective.It's just the smile turning around makes it look like a totally different horse.The reason I think that's interesting is that I had a very non-traditional route to the seat I'm sitting in today, and so did our special guest, Shay.She did.Because she did not come from a finance background.No.No.She came from a background that maybe is more applicable to fire horsey- FrowningFuego.Fuegos.No, no, to- Ohto stuffed animals.Come on.Yes,Welcome to The Compound Growth Podcast with Colin and Wheeler, where we talk all things growth.From financial growth to career growth, personal development to societal progress, we explore how each layer builds on the next, compounding over time to shape who we become.Each week, we break down complex ideas and emerging trends into clear, actionable insights.Because growth isn't just about numbers.It's about understanding the world and our place in it.So Colin.Yes.Would you like to introduce our special guest, Shania?Today we have our esteemed colleague, Shania, with us here today, which a lot of the viewers might actually know who Shay is.I hope so.Well, you just called her Shania, no Shay, so that's, that's confusing.Yeah.Also, also goes by Shay.Yes.That's, that's what we refer to you as, Shay.Or Shayna.I hear a lot of Shaynas.I- Or Shane.Or Shane.Yeah.It's like when our clients are on a Zoom meeting, they'll say Sha- they'll say Shayna instead of Shania.That's true.Yeah.Which is weird.I've heard that a few times.But you've been with us now for three and a half years-ish?Mm.You were our first employee.You were the first CoFi member.I guess, like, 2021 with the both of you.Yeah.Here, 2 years, but- Yeah, that's trueI think- So I guess maybe 5four and a halfyeah, coming on 5.Yeah.Which is pretty crazy.Who keeps track of time?I don't know.It all blends together these days.Yeah.But yeah, it's been a journey.So I, I guess maybe we should start with where you came from before joining us.Wait, I wanna- Should we hop right in?What's likeWe gotta talk about the name first.Why is it Shay?What's the history of the name, and why do you go by one versus the other?Your name.My name.Yeah, um, one day in high school, someone called me Shay, and I was like, "Oh, I like that."Because I grew up and I was like, "The day I turn 18, I'm going to court and I'm changing my name.I don't like my name."Why don't you like your name?I don't know.I think because I grew up with no one pronouncing it right.Or, like, people calling me Shania Twain, and I was like- Or Shaynayeah, and I was just like, "Uh, you know what?I'm over it."I didn't have a name in mind.I was just like, "I'm so over this."And then one day someone was like, "Shay," and I was like, "Yes."I have a very distinct memory from our old firm with the name tag.Do you remember that?And they gave you a name tag, like, on your cubicle.No, it wasn't a tag.Yeah, it was a- Yeahthe name plate.It was the plate that went on your cubicle.That I wasn't allowed to call myself Shay.Correct, yes.Exactly.Yeah.Yeah, that was soul-crushing.I know.That was messed up.I was like, "How is this allowed?"Yeah, it's like I don't even have an identity as Shania anymore.Like, my dad will never call me Shay, which is fine.He gave me my name, but, um, there are very few people in my life that call me Shania.What about, like, if you're in trouble?Um- Like, still?Yeah.I'm like, I don't want- Like, what if Matt's really upset with you?Does he like Shania?As a joke, yeah.But, like, no, he's always called meYeah.So- I like itit's not from Shania Twain?I, I don't think so.My parents wanted me to have a unique name, and that's what they gave me.Congratulations.Congrats, that's what I got.Yeah.Yeah, so-I think I'll always go by ShayOkay.I like itno need to use, like, my government name.Yeah.My government name.Like your government name.Damn the man.Yeah.I just don't need it.I like it.I think it's, Shay is, isI mean, look, go.They both work, right?But Shay is, I feel, it's more applicable to who you are.Yeah.Which I really obviously appreciate.And our clients, itwhile it can be confusing, 'cause your email doesn't even say Shay, it's Shania.Yeah.Yeah.I feel like, but then I always sign it Shay.Like, it's a very- You doconfusing thing.There is actually, I think, I've gone, like, years knowing people that didn't know my name, and they thought my name was Shay.Oh, really?Because I just never formally introduced myself, unless it's, like, a business thing.I'm like, "My name is Shania, but you can call me Shay."Mm.Matt will introduce me as Shay, and so people are like, "Wait."I introduce you as Shay?Yeah.Yeah, I'd never introduce you as Shania.Yeah.When you go to a coffee shop and give your name for the order, what do you say?What do you think I say?Shay.Yeah.Do you, do they spell it right?No.No.Never.Nope.Starbucks this morning, it was, like, S-H-E-A, which is how a lot of people spell it, so.So Shay- Yeahtell us a little bit about your journey, your unique journey, your fire horse journey to get to- How'd you end up at CoFi?Where we are now.Um, back in 2021 it was, I was living in Cambridge with Matt, my now husband, and I had been childcare center after childcare center.I started doing that in college, actually, and I really loved it, loved kids, um, but that's just all I knew, right?Like, it's something that I loved.I had no idea the money that you make or didn't make, w- where that would lead you in life.It was just like, "I enjoy this, I'm gonna do it."And so went through 3 or 4 ch- childcare centers and, you know, I was living with Matt at the time, and he is working for Ameriprise Financial still.But then we started to- Yesand he was like, "You make how much?"And I was like- How little?Right, how little.Yeah.And you know, I never really thought about it, because for most of this time I was living with my dad, and I didn't have to pay rent.My bills were so minimal, and so all the money coming in, I was like, "I can pay my loans.I have money to spend."Like, my life was very low in cost, and then you're living in Boston, and you wanna do things, and you're like, "I don't have money to do that."And, like, I had no idea that if I were to continue doing this for the rest of my life, I would be making maximum $35,000 a year.Wow.Yeah, for a full-time job.For a full-time job.And something that I learned that I didn't love enough to not make the money, which is really sad, because I think that's what a lot of people deal with in that field.and it stinks.Like, it's something that you really love, but also with such a changing field, and my views and my beliefs didn't always align with what I was being forced to, to teach or, you know, to just emulate to these children.And Matt was like, "Hey, I get, like, $500 if I refer you to this job and you get it."And I was like, "Cool."And I, so I just had surgery on my foot, actually, and so I remember hobbling into my interview at Ameriprise, had no idea.I'm like, "What am I applying to do?"I, like, didn't even know.Like, I knew that I had a 403, but I did not know what that meant, right?I was just saving money.Um, long story short, I, I got the job, and for the first year I felt like I was just, like, drinking from a fire hose.I was like, "What does all of this mean?"Like, didn't, not know what the stock market was.You know, IMy job then didn't really have anything to do with finance per se.It was filing papers and using my skills as, like, a relationship manager to just, you know, talk with clients on the phone, but nothing in depth what I'm doing now.Yeah, I guess that's kind of where my background comes from.I still love kids, enough to have my own.but- We'll get into that.Yeah.Yeah.But I n- I don't regret that choice for a minute.Um, but I'm very thankful to my husband for, you know, encouraging me to try something new and, um, learning that, you know, money matters, and you can love something so much, but if it's not gonna lead you to a life that you wanna live- Yeahit wasn't gonna, it wasn't gonna work for me.You wanna know what I find funny, is you didn't know what you were applying for necessarily when you applied to Ameriprise.I had no idea.Tori accidentally- Yeah, Tori didapplied to our company and ended up here.There seems to be a common thread- Yeahof people not knowing that they're ending up here with us.Yeah, and it's crazy because I went on to take all these exams, right?To, like, get licensed, and I w- I couldn't imagine, like, going from singing ABCs, right, to, like-taking the Series 7, and it's just crazy how you, you end up there- Yeahfrom where I was.Yeah.whatI'm just curious because, you know, I never thought aboutI think a lot about, you know, through elementary school or high school or middle school, how the curriculum can be kind of shaped by, like, pressure from, you know, the community or the government or whatever, but, like, that starts as early as, like, preschool?It kind of does, and not in the way that you would think, right?Like, there is structure, and I'll say with preschoolers you're not really teaching them, like, grade stuff.Like, you're not teaching science.It's about, like, the weather and stuff like that.But I'll say a lot of it was the ability to or not to, like, intentionally teach a child to do something.Like, there's different approaches.I don't know if you've heard of, like, Montessori versus- Yeah.Yeah, yeah, yeaha traditional approach.So, like, I worked in, um, one childcare center that was sort of Montessori, and it was, like, child-led, and, like, I wasn't allowed to ask a child, "What is this letter?"Right?It was like that conversation had to come up naturally.Oh, wow.Hmm.Yeah.And it wasn't so much as if you were caught doing that you would get in trouble, right?It was just like their belief was like, it's child-led.Your curriculum is based on what they're interested in, and I really struggled with, you know, I feel a sense of responsibility to get them ready for kindergarten or something like pre-K, depending on how old they were.Um, but not being able to intentionally do that and having it come out through play was really interesting to me.That is interesting.Mm.Yeah.We looked at a Montessori for our daughter when she was born.We were gonnaThere was one in, I think it was, like, Malden or something like that.Yeah, I think they're great, but I think as the, the teacher, if you believe strongly in one way, it can be really difficult.And then I worked for Head Start, um- Mm-hmm2 different locations, and Head Start, you know, I'm sure we'll get into this, you learnI've worked at a childcare center that was for the doctors at MGH, and I have worked for Head Start, and those are 2 very different- Yeahum, classes- Rightof people, like, just bluntly.Um- Mm-hmmand I would say Head Start is, it's government regulated.It's much more of, like, the approach that I liked of, like, the strict curriculum and, like, intentionally teaching these children, but the stress of that couldn't be me ever again.Um- I imagine the Montessori route would've been tough for you because just knowing you, you're such, like, an organized- Yeah, it's actually why I leftkind of like driver person, you know?Mm-hmm.Yeah.Yeah, that's why I left that.I loved the people I worked with.I loved the kids, but I was just like, I, I didn't love the approach.Yeah.Didn't love, um, the lack of structure?Yeah, which is interesting 'cause for my son, I think that that could be a cool thing.Like- So it's just like- You just wouldn't wanna do it yourself.Yeah.And I think on top of, like, the not earning enough money and, you know, not having control of my schedule per se was also just layered on top of things that I was like, "Okay, maybe this field isn't for me if I'm continuing to leave a center after every year or 2."Yeah.Mm.Yeah.So.Was there, like, an aha moment where you were likeI know you said you had these conversations with Matt, but you were just like, "This money thing is an issue."Like, what drove you to be like, "I need to make a change"?Uh, knowing how much was in his bank account, honestly, I think.And at the time it wasn't much, right?But it was just, like, the comparison.ToSo his account versus yours?Yeah.Yeah.Um, and even, like, the amount of money he had saved for retirement.Right.And at that time he owned a painting business, and so he had more income as well, and I was just like, "Oh my goodness, like, I will never even get to that if I were to do this field for the rest of my life."Mm.Um, and yeah, I just, I knew I wanted to have extra money to go on vacations, and I knewI think deep down I knew that it's not what I wanted to do anymore.I just didn't know how to get out of it.Yeah.So you kind of accidentally found your way out of it, right?Yeah, and I did.So I got surgery on my foot that summer, and I was onI had left my job for the summer to recover, and I never went back, and that was kind of my gateway out of it.It was not, not planned to do it that way.Um, but we ended buying in Dover that summer, and so- Yeahit just kinda worked out where we moved out of Cambridge and kind of just moved our life back to New Hampshire and, um, then I started working in Portsmouth.So just out of curiosity, you hadn't had much conversations with your family either just about money growing up, right?So when you come into Ameriprise for the first time and just everything is about money 24/7, like, what were the big shocking moments for you in the first few weeks?And what were you doing?What was the, what was the role?Yeah.So the role was the client service coordinator, I think it was at the time, and really what that was was checking the mail.I wasn't working for any advisor, like- Yeahat that point.Pretty quickly I started, um, covering a maternity leave for Jen Bevins.Um- Mm-hmmAnd but before then, it was just, like, learning.Like, like I said, I didn't even know, like, what the stock market really was or, likeAnd that's all I wanted is I remember our old manager, um, Anthony, I just wanted information, right?Like, give me all the books, give me all the stuff because I hear about it, but I don't know what it is, and I really hate when I hear something and I don't understand it.Like, I need to, like, um- A thirst for knowledge.Yeah.And so I was just building, like, relationships at that point with any clients that walk in the door, that call on the phone.Pretty quickly, you start, like, processing money movements and things like that.Mm.But I feel like it's so long ago at this point that I don't-like, really remember how long I was in that role for.But pretty quickly, like I said, I moved into being taught by Jen, and I think that that's really what helped me learn, was just being thrown into it.And you were.Like, you were thrown into it.I think, I feel like when- Oh, it was terribleyeah, when Jen went out, you were working for one of the more demanding- Yeahadvisors in the office.Yeah, and- Yeahshe was absolutely, like, one of the best teachers that I've ever had, though.Like, she, I think, 'cause she's so good at her job, and to this day, I will still go to her for advice, um, for work 'cause, you know, she was just likeI was like, "I wanna do that."Like, I wanna be so good at something and want someone to, like, rely on me so badly that they can't function without me, which- Rightcan become unhealthy.You need someone to be dependent on you.Yeah, yeah.Yes.Um- You got a few of those.Yes.Yeah, right.Yeah.And yeah.So I think it happened really quickly, and then after that, I knew that if I took my exams and passed them, I could earn a bit more money, um, and make myself more marketable.So- Not that I would ever leave, butThank you.We hope not.Um, so going over the exams, everybody kinda has heard probably the term Series 7 and Series 66.Mm-hmm.You, I don't know if you knew that, what those were coming into the role, but you had no finance experience and you found your way through the exams, and I believe you got through them- Cried my way, yeahpretty quickly, too.Yeah.I was so determined.I was like, "I, I need to do this."I mean, because I knew once you have those, you're, you justIt opens up so much more than just being this person with no licenses, right?Um, I remember when I took my insurance exam, I was like, "I love this so much.I wanna do insurance."And then right after, "Nope, I'm good."You're the first person I think that's ever said that.Yeah.I was like, "I love doing term insurance."And like, yeah- Wow'cause it's easy.And then you're like, "What about life insurance and annuities?"I'm like, "Nope, not for me."Never mind.But it wasI have, like, crippling anxiety when it comes to tests and amongst other things, but the testing was really hard.I remember failing a couple of times, and I- Yeahwas so upset.But there was no pressure for me to get it done in a certain amount of time.My job wasn't dependent on it.And so I was like, "Why not?"For sure.I'm glad I did it.But now I don't remember any of it.Nor do I even use them at this point.Well, I think that'sI mean, what's true with education all the way through, right?Mm-hmm.You, you retain the stuff that is the most, most often utilized, right?The most useful for your everyday life.And, you know, with all these licenses, you go through and you sit, and you just download all this information that you then have to regurgitate out.Mm-hmm.And it doesn'tYou know, these licensing es- exams especially, it's, it's not about, like, critical thinking, right?Mm-hmm.It's, like, rote memorization.Yeah, and just, like, math.I'm terrible at math.Colin is a human calculator, and I have to- It's true.I, like, have to pull out my calculator for, like, single digit.Yeah.Isn't it annoying how good at math he is?Yes, I'm like- It's just, I'm terrible at Englishis this a gene that was, like, I missed it or?Yeah.I know.I appreciate you making me look good, but I'm so bad at everything else that I just needed one thing.Your spelling could use some work sometimes.Thank you.I know that.Well, that's fair.I know that.I will own that.Yeah, but being good at math is such aLike, if I was good at math, I think I would have passed those exams much easier.I don'tYou know, when we, Colin and I both have our APMA, and- Mmthe, the first time I sat down for the APMA exam, I failed.And I, I failed because, not because I didn't know the information, but I didn't know how to use the calculator the right way.And now I'm in a place right now with my daughter who is learning algebra, and, like, she has to learn how to use the calculator the right way, and I'm like, "I don't, I don't know how to do algebra in a calculator.I haven't done that in forever."You know?The, the thing that killed me was the, umI, I figured it was all gonna be math.So, like, the 7 I didn't have a problem with.Like, I was gonna go on that, the APMA, but the Series 66- Oh, manI was like, "Oh, well, it'll just be the same thing" and then it's like, "What's the Securities and Exchange Act of 1966?What's Dodd-Frank?"And I'm like, "Ah, no."Too light.Yeah.I don't know.Yeah, that was a tough one.That's the one I failed.Yeah.Twice.I had a hard time with that one too.Yeah.It was tough.But it's, you know, it's true because math is, is a part of what we do- Like a-on a daily basis, but a- Me, barely Yeah, very small right?Like, I'm more or less using, like, the regulation stuff and, client-related, um, like risk tolerance and, and things like that.That's the stuff that you use, which you really can't be tested on, I mean.They should have a psychology- Yeahlike Yeah.Should have a licensing- How good are you with people?Yeah.Yeah.Yeah, yeah.How, yeah.So with- Psychology of money.So with the license and the way that it works in the operations world, maybe you can take us through it.So you, you were a client service associate, right?You started off, then you became registered.Mm-hmm.Then operations manager now.So I guess take us through what each one of those roles do.Like, how has your role evolved over time?I would say I'm more client-facing now, and that's really the onlyI shouldn't say the only, but the main difference between Ameriprise and here.I mean, you have both given me autonomy over the years as trust has built, whereas I think Ameriprise, my role was more transactional.Mm-hmm.Mm-hmm.Um, process this, open this, call this client, confirm this, and I'veStill doing some of that.My goal is to move away from that.Not completely, 'cause I think some of my strengths will always remain in some of that.Um, but I'm, I'm more client-facing now, where I'm having, not investment meetings with clients, but if a client needs something that's not like, "Hey, what should I invest in?"Like, I'll just take that on, and 3 years ago I don't think I would've had the confidence to do that, and I think it's because I've been with you both for so long that I know these clients and they're not strangers to me anymore- Rightso I'm comfortable talking to them.Yeah.I mean, even a year ago, I remember us having conversations of me being like, "I can't imagine meeting with a client" until, like I still can't, like, having an hour-long conversation, um, but I definitely, my confidence has just organically grown the more repetition that I've done.Mm.So, yeah, I would say I don't really remember what being, like, a registered client service associate was at Ameriprise because I think Ameriprise determined that for me, and you've allowed me to kind of determine what my role is.Um, so I kinda get to decide that for the most part, um, within reason.Yeah.That's fair.Yeah, I think it's the, n- you know, it was a, kind of a breath of fresh air leaving- Mm-hmmthe corporate world to come here, and then that's part of the appeal, I think, is that we don't have to fall into these categorizations and- Yeahyou know, titles almost, I don't wanna say they're meaningless, but, um, kind of like you, how you choose how to associate yourself, like with what name you associate with and how you introduce.Like, you kinda create that, and you walk that world with that knowledge, and then this is the same thing to us.Like, I don't think it matters financial advisor or operations leader or COFI co-founder or whatever.Mm-hmm.Right.Colin can be the president, whatever.It doesn't matter to me.I think it's, it's, itI think sometimes people misalign value and title.Yeah, and I think we've had conversations about that before of- Yeahyou know, if my was, my title was an operations assistant, I would be like, "Well, that kinda feels like-" A downgrade.Yeah.And I think because you come from a corporate world where that is the reality, like- Yeah Strained, it's like ingrained in youthere is a hierarchy in corporate, and I think that will just stick with you.Like, for me not to be a financial advisor, like, used to really not sit well with me of like, ugh, like I'm not good enough to be, like, an advisor.I have to be in the, the background doing all the other stuff because I don't know enough to be an advisor, and I think maybe some of that still exists.But I think as a relationship manager, the title that I am in air quotes, um, that does emulate more of what I do- Yeahthan just, like, an operations- Rightwhat have you.So I guess someone considering getting into this world, like, can you take them through, like, what your day-to-day looks like and what your responsibilities are in the business?Right now?Yeah.Yeah.I think most days are similar but will never be the same, and I think it's all on what clients need, 'cause clients need things all the time and for different things.Um, and sometimes clients just reach out to say hey, right?Like, it's so up and down, but normally it's whatever's in my inbox, whatever's in your inbox, and whatever's in your inbox.Yep.Um, and most of Wheeler's inbox is delete, delete, delete, delete.UmNot client emails.You know, I've never- We're deleting newslettersI've never seen your inbox, but I've heard a lot of stories.All you need to know- About my inbox?Your inboxyou just need to know LinkedIn, um, and a bunch of subscriptions that are not necessary.I actually just searched now for my inbox because- Oh, goodshe'll delete it, and I'm like, "Well, I think I'm supposed to receive something."There are some things you told me not to delete it- Yeahand then I forget the list, and here we go again.Um- So apart from organizing our inboxes- I like that she's grumbling about my inbox.I know.It's just like, it's gotten better for sure.No, it's fair.It's fair.I have a long-running list of tasks that just, like, exist because a lot of my role is-Not just, like, move money from here to there.It's an insurance application.It's helping a client.Um, if there was a meeting that you had, and they're supposed to be moving money in and re-bucketing their accounts, and I think a lot of what I do is helping them do these things.It's really hard to say what my day-to-day looks like, honestly, 'cause I could sit here and say, oh, I answer any client calls, and do my task list, and what is my task list?Like, if I think of what I've done today, um, we had our, we had our meeting, and then I had lunch.Um- And that's about it.And that's it.Yeah.Yeah.Um- I feel like you've done a million things today.Well, that's the thing.That's the thing is, like, I can't think.Like, I was just working on that long-short strategy for Schwab, right?Mm-hmm.That's not just filling out paperwork.That's calling 2 different firms, reading through all these applications of something that I've never done before, and that's the other thing that I like about this job is I'm always learning something.And I don't know what the strategy is that we're doing, but I'm dying to know more because I was looking at the application.I'm like, "What am I sending this client?"Like, I need to know more.And so, um, joining client meetings is also a huge part of my job, and that's something that I don't think I would ever wanna give up.Yep.Um, as our team has grown, and as we brought on people, that the intent is to, like, have client meetings.Mm-hmm.I've always said, like, even though my sole purpose here is not to service clients, it's like, that's the part that I love the most.Um- Yeahand so that comes with follow-up too, right?And now I'm stepping into a role of delegation, which I s- definitely struggle with because I think we can all agree sometimes it's just easier to do things ourself.For sure.Um- Especially when you move as quickly as you do.Yeah.The queen of multitasking.You were my first, technically second, second CSA I've ever had.third.No.Really?Wheeler, Wheeler had one before.Yeah, I was a little bit further along in my journey.You were, you were my, you were my second ever- Hmmoperations person.Yeah.And then I had an operations person before you, then he went away on vacation.He was a lot like this sad horse.Yes.Went away.He was very much like Fuego.Uh, he went away on vacation, and when he was away on vacation, you filled in for him.Yes.And then I remember reaching out to our manager at the time for the branch and being like, "Can I just have Shay all the time and not have to go back to the other person?"Yeah.And I feel like the easiest way to sum up your role is you just get shit done.Mm.Like, if a client reaches out, you handle everything.If we need anything, you handle it, whether it's, like, a new account opening or a client has a question or concern about, like, a transaction that we're working through with them, or, like, something financial planning needs to get done, taxes.Like, all this stuff, like, you're the go-to kind of, like, head person for anything and everything.Yeah, I think there's so many different roles that we play in our clients' lives too, not just, like, giving advice, right?It's clients need, like, their tax documents or, like, we're running their tax returns through some planning software, and i- there's really so many layers of how we help people that I don't think people understand.Um, and it's not just we talk with them when we meet with them.It's we email with some clients every few weeks 'cause they're needing something, and so there is constant contact all of the time, and I'm thankful that some clients now reach out to me first.Yeah.Um, I think that's the goal that we've been striving for for the last few years.Um, we continue to inch more towards that, but, you know, that's my preference because I'm in your inbox anyway.Yeah.So realistically, I'm seeing them, but, um- Yeah, everybody should know that when they email us, that you are gonna see it-before we are because we're most likely in a meeting.Yeah.Yeah.You know what's fun is we haveLook, the way I would describe, I loved Collin's description.Thank you.But I think that what you do is you keep everything moving.You keep the business running.Yeah.And a lot of time that means clients will call in and they don't wanna talk to us, they wanna talk to you 'cause you're the one that they know is going to make sure something happens.Mm-hmm.And that was, like, nowhere was that more apparent than when you weren't here and you were out for maternity leave.Right.And that was, to me, something that was, like, cementing what we already knew, which was that, like, you are, like, the third leg of the stool and you, you help the stool stay up.Yeah.And when you aren't there it's Colin and I, like, propping it up and balancing it, trying to make sure it doesn't fall down.Scary thought.Yes.Putting some, like, paper under one section to sort of- But you don't give yourself enough credit.I mean, like, I think ifYou could do it.Sure.Me kicking and screaming.We do have 250 to 300 households.This is true.Hundreds of people.You might be working a lot more.Yeah, exactly.Yeah.And in each household there's usually at least 2 to 4 members.Right.Yeah.So, yeah.So there's, there's hundreds of people who are members of the CoFi community, and there's a lot to manage and- Yeahand keep in touch with.And, uh, and you do a really amazing job of that.Thank you.And so you were out for a while on maternity leave, which is, I think, something that provides even more, obviously experience, but also perspective- Mm-hmmthat you didn't always have 'cause you justHow could you have it, right?Right.Like, you don't know what you don't know- Yeahright, until you're there.Mm-hmm.As the other parent in the CoFi office, I appreciate having somebody that can understand me a little bit better now-because for a while it was just, like, me and all the, the young kids.Yeah.Don't, don't give me that look, Mikayla.You know, everybody's like, "Whoa, I watched these 8 TV shows last night," and I'm like- That's right"I watched one episode of something."Oh, yeah.This is where I can sit back.Yeah, you can kick your feet up.Yeah, exactly.Yeah.So I mean, look, you'veAt, at the same time, while I might compare us, it's an unfair comparison because as a mother you have a different journey- Yeahthan I do.Can you talk to us a little bit about what that's been like for you?Like- Mmobviously you knew you wanted to be a mom.you love kids.You loveNow you have your own kid.Mm-hmm.talk to us a little bit about what this experience has been for you.Yeah, it's been the hardest thing that I've ever done.Um.It's been great, but it's the hardest thing I've ever done.And I think you don't know that untilLike, I knew I wanted to be a mom, but you don't know what comes with that, and balancing work and the guilt that comes with being a working mom.Um, so when I first had Wes in August, I wasn't even thinking about going back to work because it was so new.I was like, "I have so much time."And my plan was to go back full time and, you know, I was gonna be fine.I was not fine.Um, and I realized I, I wanted so badly to stay home with him, but at the same time I knew that I so badly wanted to come back to work.And I think internal- I, I didn't talk to anybody about that for a while because I, I didn't know, like, what does that mean?Like- Rightam I supposed to be angry that I can't be a stay-at-home mom, but I have to go to work, but I also, like, don't wanna go to work?Like, it was a lot to, to think about.And as we got closer to my in- inevitable return, I just remember having thoughts of like, "I really miss my clients."Like, our clients, not my clients.Um- Your clients.Yeahand I was like, I really love being a mom, but I don't think that this is all that I am.Like- Mm-hmmI am more than just a mother.And part of me felt guilty for that because, I mean, I should get off of social media, but social media is, like, all these stay-at-home moms and their husbands have these good jobs and they get to stay home and go shopping and this and that, and I'm like, "What the hell?"Like-"This is not my reality."And yeah, I just sat with that for a while and I was like, "What do I want?"I was like, I know I do not wanna be away from him all the time, but I know if I'm with him all the time, that's also not gonna be good for me.And so I think it was, like, October, November, I was like, okay, I'm having this feeling like I gotta talk to someone about it, and that someone should be the people that employ me.Um- On some level.Yeah.Yeah.And I was just, like, checking in and I was like, "Yeah, this is my plan.I'm still gonna come back full time," blah, blah, blah.Everything was great, and I think it was just such a distorted reality because it wasn't what my reality was gonna be when I came back to work.Like, I wouldn't just mosey about my house all day.Like, I felt so safe inside of my house with this newborn.Like, nothing could hurt us.Everything was perfect.Um, and then real life started to creep in.Matt started going back to the office, right?And I was home with the baby by myself.And some days I was like, "Nope."Like- I gotta get out of here.Yeah.I was like, I, like, there's some part of Shay that is like, needs to not be a mom.And so when we had the very honest discussion of how I was feeling, um, I think we came to a conclusion that would fulfill me in the best way possible.I think having that discussion with my husband did not go over quite as well at first.Um- And what was that, though?Yeah.It was going back part-time.Yeah.Okay.And- So he, he didn't want you to go back part-time?No.Okay.And there was obvious of me being like, "I don't think I can go back to work," not because I didn't want to, but because my anxiety was so bad- Yeahabout leaving my child that I felt like I couldn't.And the way that I battled that was like, "This is not fair to my child.Like, I can't not do this because of my anxiety.Like, he deserves, like, to experience the world outside of me and outside of the home."Um, and what it came down to was money.Mm.And it was, "You have to work.We don't make enough for you to not work.You can't go back part-time.We don't make enough for you to do that."Um, but I did, and it was a really hard conversation to have because you have this plan of, like, we had this period of time where it was a little bit rocky where we didn't have full income, and we made it work, right?Like, I wasn't leaving the house as much with a newborn.We weren't spending as much money.It just felt fine.And then we got oil bills.We started going more places.We started traveling again, and we felt the effects of me not working full-time, and I didn't know what to do.I was like, "I can't go back full-time, but I know that part-time isn't really sustainable."And so I had that discussion with Matt, and I think for a while he sat with that being like, "I don't know how to respond to this."And we've had to have a lot of hard conversations about money and how we should split things up with him, you know, bringing in more money at the time.Um, and yeah, so when I came back, it was, I was still part-time, and I just was so thankful.I was like, "I will do anything that I have to to make this work," because that mattered more to me than making a full-time salary at that time.You and I had a lot of chats in between, but when you came back part-time, I remember it was, you were obviously out for a while on maternity leave, and things were getting done but not super efficiently.Mm-hmm.And within the first, like, 2 to 3 weeks of you being back part-time, like, so much had gotten done- Yeahlike, so quickly.And we were like, "You know, part-time Shay is better than a lot of full-time-other people."This is true.And then we also noticed that the days that you were off, you were still working.Yeah, 'cause you can't seem to shut off.No, because it's like, I don't know.I justyou can't either, right?That's fair.I can.Yeah.Colin says, "Right."I don't know.I just feel, when you care about something, right?It's like- Of course, yeahI care that my clients are emailing me, and they don't know why I'm not emailing back.There's nothing in my signature that's like, "I'm currently working part-time."Like- Yeah."I'm off on Wednesday."Yeah.Yeah, and it's like, I just felt this, like, sense of responsibility to these clients to at least'Cause I always like to answer within 24 hours or at least pass along the message of like, "Hey, can you, can you take care of this?"And I think for the first couple of weeks I really was off 'cause Wes was still kind of young and really, I mean, he's even busier now.But then I slowly started checking my email and doing things during his naps or just checking in, and I was like, "This feels so much better to me than completely shutting off- Mm-hmmand coming back on Thursday and being completely overwhelmed and then going into the weekend with work to do."Yeah.So for me it was just I felt good doing both.Yeah.Yeah.And that's what brought me, like, joy.So then we had, as a team- Yeahsome conversations about- Mmyou know, how long you would be working part-time, and if you were going to be part-time, we said, "You know, don't work on those days that you're not getting paid to work."And I think that we all came to a realization that what you needed and what the, the team needed and the business needed- Mm-hmmwas, you know, quote-unquote, full-time Shay, right?Full-time pay with flexibility-so that you can have the right, you know, time with Wes and- Mm-hmmand I kind of, like, it's still in, it's in line with everything we've been talking about, right?It's like you don't need certain titles.You don't need these like bureaucratic guidelines that we have to follow.Yeah.You know, it's- Just be human.I mean- Yeah.Exactly.Yeah.I think one of the things I enjoy most is you can give me like, we don'tI think we might have a handbook.I don't really know.But- We- We have-do somewherethe framings of a- Yesof a handbook.Yeah, but I think- We have an outline- Yeahat least.But support isn't something you will never find in a handbook, right?Like- Right.Nothere's nothing in a handbook, I mean, maybe that's like we will support you.But like- MmI, I can't, and that's why, like I care so much about this business and about you guys, that I would do anything to like not let it fall apart because of the support that you guys have shown me, um, as this new journey.I mean, who know?I'm pretty sure you guys probably thought I wouldn't come back.I don't know if that ever crossed your mind, maybe.We were worried about it.Yeah.I mean, certainly as business owners you have to think about the risks.One of the biggest risks- Because a lot of people-was that you don't.Yeahtake, like some people are just like, "I love this so much."And I would say like if I was still at Ameriprise and I went out on maternity leave, probably wouldn't have gone back.Yeah.Yeah.Yeah.But like you guys give me something to come back to, right?Like- YeahI didn't come back 'cause I, like if I truly, truly was so anxious that I couldn't come back, like Matt and I obviously would've had a different conversation of like, "We'll figure it out."But it was very easy for me to come back, right?Like, it was hard, but it was the easiest choice.Do you think the ownership of your tasks and your role and the autonomy is what gives you satisfaction and the desire to come back?It's some of it.Yeah?I think it's our friendship too.Like-coming and just like, like yeah, you guys employ me and you could fire me, and that's a really big like power to have over me, but you guys are also- Yeahmy friends, right?Right.Yeah.Like, it's something that I enjoy.I enjoy coming in and just like being friends.Um, so yeah, it's the clients, but it's also you guys.Like- Thank youit wouldn't beLike not going back to Ameriprise, like I'm just a number, right?But like I know what this business would be without me.And it would be fine- Yeahbut like I know that like I've just built so much of it since we came here that- Yeahyou know.Well, that's the, it's like the fun part of a startup, right?Like, you get to have big influence on- Mmon the structure and, and the activities that the company, you know, carries out every day.I think what's really neat is, you know, we kind of identify like the unique characteristics that support you and support us, and how it all kind of molds together.Obviously, there are a lot of other women in your shoes.Yeah.Right?People who have to make these decisions.Um, and you're somebody who likesYou're very curious, and you like to find out answers.Mm-hmm.I know that your, like information diet has changed.Like, are there resources that have been really helpful for you, like during this process?Related to motherhood?Nothing that I read Motherhood- Noor working moms?Violence?Is that helpful for you?I, I regret being chronically online.Mm-hmm.And I can't stop, right?And I'm not afraid to admit that I am in therapy because I need it, and the internet like, yeah, should not be subscribed to anyone.We're normalizing therapy around here.Yeah, we normalize.We talk very open about it.Yeah.Because my friends, like they don't need to hear me about all this stuff, you know?And yeah, the internet's tough.There is nothing out there that I've found that's good, and my therapist is like, "What are you doing out there?"And I'm like, "It su- like, it's a disease.I don't know.Like, I can't stop," right?Mm.And I think I like information articles, so that's good for me.But when I get on TikTok and I- Yeahstart scrolling, I just can't stop.Or like on Instagram, and again, you see these people that are living these like crazy stay-at-home mom lives, and you're just like- Rightyou just are like, you just com- like comparison is the thief of joy.Mm-hmm.Like, why do I have to get up and go to work?Like- Well, isn't this like kind of a, like a trend as well?Like, isn't there like the trad wife trend right now?Trad wife.Is there?Yeah.Traditional, right?Oh, traditional.Yeah.Yeah.The traditional wife trend, which is basically, you know, going back in time to a degree to like, you know- Mm1950s Americana and, you know, pretending that that's theI don't know how to, to best describe it.Playing house.I don't know.Yeah.It's playing house.I think it's just, it's filling a role that they, you know, they are choosing to fill a role that's the traditional housewife role.Mm.And that is a- Which to be clear- YeahI, I've said to Matt like, "I could not have lived back then because I will not be making you dinner.""I will not be doing your laundry.Um, and I won't be doing any of that because I'm watching this baby."And I think it's really important to recognize that, Matt does.So we were very, I think, traditional in this modern world, but untraditional where I don't cook dinner.folds my laundry basically because he doesn't like seeing the pile of it that I don't put away.Matt's always done the laundry though, hasn't he?Yeah, he does.Yeah.Yeah, and he, so he works from home 4 days a week, which allows him to like be like the housemaid.Like w- when I was on maternity leave, we called him the janitor, like he was my janitor.And because when you're taking care of an infant full time, you don't have time to-You, and if you do have the time, I'm the type of person, like, that can wait.Yeah.Yeah.He, he's not the, "It can wait."He's like, "This is really stressing me out."Um, and so in our house it's, like, very untraditional where he does a lot of the housework because he has the time.And I remember getting so frustrated when I was on maternity leave, like, I want to be doing these things, but I'm always with the baby.Mm-hmm.But I can't be with the baby and do these things, but I also don't want you to be with the baby because I wanna be with the baby.And so fig- even figuring out, like, our role within our house has really changed, and sometimes I'm just like, "I wanna go clean the bathroom," 'cause I don't get to clean anymore.Like-Matt does it during the day.Do you miss it?Sometimes, yeah.Yeah?Like, and I'm not just gonna, like, plop my baby down and, like, dust.I don't know.Like, I could, but he's probably not gonna like that, and I don't want dust flying around him.Um, so it's definitely changed, like, our roles too, and sometimes I'll, like, ask to do the grocery shopping.And sometimes Wheeler, I think of, how long did you and Jessica go before you went to the gym together again?Uh, never.Yeah.Like- But we putBut that's why we, we, we, we got our, like, we made our gym at home because we couldn't both go to the gym together.There's just, like, little things like that that have just- Yeahlike, like, we will never go to the gym together again until maybe we're on vacation maybe together, or when he's, like, 35.LikeI mean, there's, there's a little bit of a gap.Couple kids before he's 35.I mean, look, our- we have, you have one child right now, and if you get to the point where that's the only thing that you have- Yeahthen, you know, sometimes there's a, one of the advantages that I've seen as a parent is that other couples who have multiple kids, they're more comfortable leaving them at home alone sooner, 'cause they kinda can, like, watch out for each other- Yeahdepending on the maturity level of the children.Yeah.And when you have one, like it's, there's a little bit less, um, I guess freedom to that, because it can be something as stupid as, like, you know, she choked on popcorn and no one was there, you know?Right.Um- How stupid, nigga die.Right.Thank you.Um- That's what I meantso, like, you're not, you're not in a rush to get to the point where you can both go do something without- Yeahhaving parents or a babysitter or whatever come over and hang out.Yeah.Uh, so.Yeah.That's true, and I think Matt has, you know, he's very comfortable leaving West and, like, doing things on his own, and that's something that I've struggled immensely is letting someone else take care of him.Care for your child.And I think that also, like, at work, like, letting other people do things instead of me doing them.Yes.Um, and so it comes up in a lot of areas of my life, and motherhood has, it's come up a lot.Um, there are so many people that can help, but so often I just find myself saying no because, again, going back to social media, you're supposed to do everything.Like, there's this, you know, some articles are like, "You weren't meant to raise a baby alone."Hmm.But most people are.Like, I mean, we have family close, and I've turned down help countless times because, you know, you feel like you shouldn't need it.Yeah.Especially as, like, know, Matt and I are capable human beings, but you just take on so much.Yeah.I think, uh, what I was gonna say was I think if it was up to you, and correct me if I'm wrong here- I will.I know.We know.Like, I don't know, we, we have a new hire that's here to help you and take on operations.You're the kind of person that I feel like you would definitely rather do it yourself- Mm-hmmso it's at a certain standard, rather than delegating it, and I think sometimes, like, that level of help almost needs to be, I don't wanna say forced upon you- Yeah.Well, it's-but, like, pushedyou know, it's the battle in my head of, like, business efficiency because if I get off the phone with someone and they need s- money, okay, I can click a button and do it right then and there, whereas if I'm tasking it to someone, it might not get done for, like, an hour.So in my mind, I'm like, it almost takes more time to task someone to do something than to just do it.Mm-hmm.But if you don't do that, then they don't learn as- They-to do it as well as you did- Yeahor do.Right.And that then stays on your plate.And then they also don't have a job to do.Yeah.I wanna get back, though, to what you said about the needing help.Hmm.Because that's just, like, head trash bullshit that you tell yourself.Right.And I, I might have s- told this story before, but I'll tell it again.So some- we have, like, a, a TV in the basement.We'll hang out and watch movies there sometimes, and we'll have, like, for, you know, atmosphere, we'll have, like, uh, Christmas lights on or something,And at the end, you know, Jess and I will gather our stuff, and she'll go upstairs and she'll say, "I'll turn the lights on so that I can see in the dark while I unplug the Christmas lights."And I always say, like, "No, don't worry.I got it.I can see in theIt's fine."Then you always end up falling.No, I never fall, but the point is not that I need the help.The point is that there's no harm in accepting it.And when you accept the help, you're doing a kindness to the person who's offering the help.So sometimes it's not about whether you deserve help or you need help or whatever, it's just a kind thing to do to accept help.And to, uh, like, as an extension of that, when you take the time to assign somebody else that task, that's doing them the service of giving the opportunity to get better at doing that task.Mm-hmm.Which is why we talk about slowing down and not just providing answers to people.We need to say, "What would you do to find this answer?"Yep.Yeah.Yeah, I remember at Ameriprise, um, one of the first things that was, I was, not talked to about, but just, like, the advice I was given was I wouldn't go to someone and ask for the answer.Why don't you call home office and figure it out yourself?Right.Yeah.Right.And it, it wasn't said as bluntly as that, but it was like, "Search for the answer.Don't ask for it."Yeah.And I think, obviously, uh, that has stuck with me because I remember it 5 years later.But, and I think, you know, AI is great, but I also think there is a component that the answers come so quick, right?Like, which honestly has been super helpful for parts of our job, but, like, we still call into the Fidelity service center, and I think, you know, our new hire has done a great job of, of calling in.Do that instead of just asking me, and I would do that a lot at Ameriprise, just ask- YeahJen, like, "Hey, what's the answer?"This or that, and then someone was like, "No, like, figure it out yourself."And it's a hard truth, but I think it helped me a lot.Yeah.Sometimes you have to, like, uh, regarding people and just new hires and everyone in general, you know, there's one thing to just, like, do a task and check it off, but there's another thing to be like, "Why did you assign me that task?"Or, "What's the purpose of this paperwork?Before we came in here, you were like, 'Why are you doing this strategy?'" Yeah.Because if a client calls in and asks you, which they will, they're gonna get to you- I cannot say, "I don't know."Right.They're gonna get to you before they get to me."Okay, thanks.I'll take my money elsewhere."Like- RightI, I- You're, you're the first, you're the first line of defense.Yeah.I don't ever wanna be the reason that someone chooses to, A, leave us or not join us.Like, and I think sometimes that's a big, uh, I don't know the word, but, like, responsibility almost of I wanna know my shit.Yeah.Because ofAnd I'm never too proud to say, "I don't know."That's good.Yeah.You, I knowI don't know, but I'll find out.Yeah.Right?Can we just say, how long was that?So we, we went, like, 53 minutes about talking about AI, which is impressive.It's probably, like, a record for us.Yeah.And I wanna be clear- Tor's giving a thumbs up.I wanna be clear that I didn't bring it up.Colin didn't bring it up.It's the first time for everything.It's not our fault.Yeah.Yeah.It's everywhere.Then it came up.It's everywhere.But I actually, I think, though, since you brought it up, that you're the perfect example in my mind of why I don't worry so much about AI replacing everybody, because I think you're irreplaceable.Thanks.I agree.And I know we're on the same page with that.Um, so I just wanna say thank you so much for everything that you do, and I wanna say it very publicly so the world can hear how much we care about and rely on you- Mm-hmmand how our clients care about and rely on you.Thank you.And I think it's a really special thing.Yeah.Yeah.I mean, we have been excited to have you on for a long time.We're very excited to have you back from maternity leave.I know it's been a while already, but- Yeah, almost 5 monthsyeah.You are the, the third leg of the stool.Yes.The stool's back.Stool's back.Stool's back.I guess one, one closing question, then we have to wrap it up.So you've been in finance now for 4 years.Mm-hmm.You've been through a job change.You've been in multiple roles.Is this a field that you would recommend not just for people in general, but women?For women?Because I feel like- Hmmwomen are very underrepresented in finance.It's very true.Yeah.I mean, I think a lot of women are in the role that I was in when I was hired at Ameriprise and don't make it much further than that.And because I think in a traditional corporate world, men are the advisors and women are the assistants.And I'll go back to Jen, right?Like, she was a perfect example of someone who knew so much, but she wasn't an advisor.Right.And her advisor depends on her.And so I think once people know how, not how easy it is to get into this field, but you don't need an MBA to be in my role.Right.And once people realize thatI mean, I think you have to have some level of, like, interest in this field and knowledge of what's going on.But you can do so much with it, especially in the RIA space.Like, you're not put into those box.And so, yeah, I think we definitely need more women in this field, although aside from Tori, I'm on a team of all men, andNot for lack of trying.Yeah.Yeah.That's the problem.There's just no options out there.But IYeah, but I mean, it just is what it is, right?And it's like, tried hiring women.Mm-hmm.Mm-hmm.As applicants, but yeah, I think we'll see, like, a huge shift hopefully as, you know, you see more people like me on a podcast being like, "Oh, she works on a team with guys."Like, yeah, women can do it, too.Um, so yeah.I think that there's a huge opportunity for women in this field in general, and there has been for quite a while.And just looking at when you are out, like, we have a lot of single women a- as clients, or women who are, you know, the lead financial role in a family or whatever it might be.They always wanna talk to you.That's true.But even, like, who cares?Like, what difference does it make if I'm your advisor versus you?Like, I think it just- That's also true.Yeah.WhatLike, I literally don't care, and I think it just goes back to where this all started, right?It was all men.Yeah.And so I think it's just, like, shocking to see a woman in this field, um, maybe because they don't think you know anything.Like, I, I don't know what it is, butI actually think that part of the reason that, um, that women wanna work with other women in this field, watch me mansplain this, um, is that itThere's an inherent trust that's there.Mm.Like, somebody likeYou know, I, I feel like finance, just like in with cars, women often feel spoken down to or taken advantage of, et cetera.Uh-huh.Mm-hmm.And having another woman in this, in Shay's seat that they can talk to is probably more comforting, I would imagine.Yeah.Yeah.I think that's probably true.Cool.Well, Shay, keep doing what you're doing.Thanks.Thank you so much.Thanks for joining us, the first of multiple episodes.Like, subscribe, share.Like, subscribe, share with a friend.Send us some questions to compoundgrowthpodcast@gmail.com.Nailed it.Love it.Looking over at the women for approval.I'm nothing without the women.We usually do.Thanks, everyone.The information in this material is for general information only and is not intended to provide specific advice or recommendations for any individual.Investment advice offered through Integrated Partners doing business as CoFi Advisors LLC, a registered investment advisor.Integrated Partners does not provide legal, tax, mortgage advice or services.Please consult your legal tax advisor regarding your specific situation.Past performance is no guarantee f- of future results.All investing involves risk, including loss of principal.No strategy assures success or protects against loss.The economic forecast set forth in this material may not develop as predicted, and there can be no guarantee that the strategies promoted will be successful.Compound Growth with Wheeler and Colin.Sponsored by CoFi Advisors.Reach out today