Ep 7 - From Transactions to Transformation: A Pioneer’s Journey in Financial Advisor Recruiting

• Mindy described her journey from a transactional recruiting background to pioneering a more consultative approach in wealth management recruiting. She emphasized the importance of deeply understanding clients' goals, frustrations, and values before recommending opportunities. This strategy mirrored how top financial advisors shifted from pushing products to offering personalized advice.
• A significant factor behind the migration from traditional brokerage firms to independent RIAs is a growing incongruence between advisors’ desire for autonomy and the restrictions of large firms. Advisors increasingly want control over serving clients, managing teams, and running their businesses.
• AI is a tool that can enhance advisors' effectiveness rather than replace them. From streamlining writing and communication to improving operational efficiency, AI can make advisors better at their jobs—but it cannot replicate the human connection.

Disclaimer: [00:00:00] The following podcast by Fusion Family Wealth, LLC Fusion is intended for general information purposes only. No portion of the podcast serves as the receipt of or is a substitute for personalized investment advice from Fusion or any other investment professional of your choosing. Please see additional important disclosure at the end of this podcast.

A copy of Fusion's current written disclosure brochure discussing our advisory [00:00:15] services and fees is available upon request or at www.fusionfamilywealth.com.

Voiceover: Welcome to The Crazy Wealthy Podcast with your host, Jonathan Blau. Whether you're just starting out or are [00:00:30] an experienced investor, join Jonathan as he seeks to illuminate and demystify the complexities of making consistently rational financial decisions. Under conditions of uncertainty, he'll chat with professionals from the advice world, [00:00:45] entrepreneurs, executives.

And more to share fresh perspectives on making sound decisions that maximize your wealth. And now here's your host.[00:01:00] 

Jonathan Blau: Thanks for tuning into another episode of The Crazy Wealthy Podcast. Today I am proud to have as our guest, a true thought leader in the financial advisory recruiting space, a true pioneer in the space as well. Mindy Diamond, CEO of [00:01:15] Diamond Consultants. Welcome Mindy. Thanks for joining us today. Well, good morning, Mindy.

Mindy Diamond: I. Good morning. 

Jonathan Blau: Welcome to The Crazy Wealthy Podcast, and thank you for agreeing to be our guest today. So happy to have you been a, uh, a long and, [00:01:30] and, uh, important relationship with you. You helped me, um, figure out how to become an independent registered investment advisor, I guess almost, uh, you know, 12, 12 years ago.

So thank you. 

Mindy Diamond: Yeah. In my head, I would've said a decade, but you're [00:01:45] longer than that. Well, 

Jonathan Blau: we just celebrated our anniversary at the firm, so it was easy for me to figure it out. 

Mindy Diamond: Yeah, so exciting. 

Jonathan Blau: Thank you. So, uh, you know, one, one of the things that we, that we talked about on the podcast as one of our first episodes [00:02:00] was the Evolution of Wealth Management.

Uh, over the last 50 years or so, uh, I don't know how long, how long have you guys as Diamond Consultants been around? 

Mindy Diamond: 30 years. That's a, so I started the business and actually it's closer to 31 years now. [00:02:15] Um, and yeah, we're, uh, it's been a long time, so not quite 50 years, but close. 

Jonathan Blau: So you started when you were like 15?

Mindy Diamond: Yeah. Thank you very much. 

Jonathan Blau: So, so in the [00:02:30] last few decades, I mean, what, what I talked about in the podcast, I was talking to Harvey Rattler, who's been working with me now, uh, for a long time, and he's been in the business over 50 years. We talked about his, his, uh, start in the industry. Selling stocks for commissions and [00:02:45] then how it evolved to selling mutual funds, uh, with the idea that you have access to centralized management for a very low entry point in terms of how much money you had to invest.

And then it went to separately managed accounts because mutual funds were not [00:03:00] tax efficient as they were created to serve the pension industry. That didn't have to worry about a lot of buying and selling and capital gains and the, the trouble with separately managed accounts. Was that the promise of the managers was they'll consistently outperform some random benchmark, [00:03:15] like the standard imports 500, which people learned quickly couldn't be done consistently by anybody.

So then it evolved to index funds. And then what we talked about is how, uh, no matter how you own your securities, if you didn't behave with them in 2000 to oh two and the market's down [00:03:30] 50%, you sold them. Instead of keeping them and staying on plan, you failed no matter how you own them. Mutual funds index.

Ones, which is why we went into behavior. So what I'd love to talk about today is in that kind of a context, how you, uh, managed to, uh, be, [00:03:45] stay a leader in your space through what were some, from my perspective as an advisor now for almost 35 years, very, uh, very impactful changes that really took the industry, I think in many cases, in different directions.

[00:04:00] So, uh. You know, at the end of the day that, that to me would be a great follow up to what I talked about. And that if, if that's something you're willing to talk about, I'd love to hear it. You've 

Mindy Diamond: got it. Yeah, you've got it. Bring it on. 

Jonathan Blau: All right. So, so tell me, when you started in the [00:04:15] industry, what was it that, uh, you were able to add most value, uh, with, in terms of helping people like me?

Mindy Diamond: Yeah, so I appreciate that question because, so I was an accountant by background and I hated it, [00:04:30] and I went to work for an accounting search firm, an executive search firm that placed accountants and loved that and was very successful with it, but it was a very transactional sale. It was recruiting, um, an accountant at any [00:04:45] level from the lowest level accounts receivable clerk to A CFO, and it was transactional.

It was calling someone like Jonathan at work and saying, Hey, I'm working on this hot opportunity. Are you interested? And limits tell you why. It's great, right? But. [00:05:00] When I started this business more than 30 years ago, um, I realized quickly that that transactional approach just didn't feel right to me. I was dealing with an incredibly sophisticated client base, a smart client [00:05:15] base, and I had the feeling that they deserve better.

And so I instinctively sort of. Pioneered an approach that, um, took the recruiting field from transactional. [00:05:30] Jonathan, I don't know anything about you, but let me sell you on this hot opportunity anyway to Jonathan. Tell me a little bit about yourself. Tell me what's most important to you. Tell me what's working for you, what you love about for UUBS.

Tell me about, um, [00:05:45] the things you would replicate. If you could tell me about the things that aren't working. What frustrates you and I. Questions like that, getting to know you. And only then did I begin to talk about, well, perhaps there could be an opportunity, or here's another way to [00:06:00] think about it. Or if there's curiosity, here's what we're hearing and seeing, and that was that consultative approach.

Was just refreshing at best and like mind blowing to so many of the [00:06:15] advisors we were talking to. And it's being consistent with that approach, that consultative, um, meeting you where you are, um, treating you the way I would want to be treated. And consistency no matter what [00:06:30] kind of a market it is. No matter whether an advisor sells stocks and bonds or index funds or manages money himself.

Jonathan Blau: Right. Well, that, that's what's interesting about what you just described is, um, you started off as Harvey did [00:06:45] selling commission products essentially. Yeah. And re recognizing that wasn't helping the client and you needed to go onto a consultative approach, but you got there a lot quicker than the industry that I'm in because, uh, in terms of the advice part, because it took us 30 years to get there.

Right. [00:07:00] So, so in, in our, in our space when we, um, the way I practice is similar to what you just described and how you evolve that I recognize that, um, whatever anybody was investing in, [00:07:15] whatever was going on inside their portfolio, uh, it couldn't be changed in a way that would help them deal with, for example, today's environment.

Whatever they do in their portfolio isn't gonna change their ability to succeed or not [00:07:30] through today's crisis. And so what I recognized is it was never about the investments. It was about investor behavior. It was about making sure whether they bought mutual funds or index funds or whatever they were investing in that they learned how to have the [00:07:45] right temperament so they didn't make the big mistakes with their investments at the wrong times.

Same kind of consultative approach, uh, in, in this sense as you watch now, the, um, the transition in the industry, the migration. [00:08:00] From, uh, it's been going on now for some time, but, but I think is, is accelerating from, uh, the, the brokerage industry into the RIA, uh, registered investment advisory space. What do you, what do you see, uh, as, as, [00:08:15] um, one was, was one of the biggest causal factors leading to this, this, this migration that we're seeing and, um, how do you view it in terms of how it might impact what you've been spending more time in your business doing?

Mindy Diamond: Yeah, [00:08:30] so I, I think the word incongruence is the best way to describe it. That what a lot of advisors began to describe to us was an incongruence. They were feeling between their goals for how they wanted to serve clients [00:08:45] and the mandates that their firms, the big firms were putting on them. So, if I. Use you as an example, Jonathan, having come from UBS, um, it's the notion that UBS wants you to cross sell X, Y, and [00:09:00] ZUBS might offer to pay you more if you sell a certain product.

UBS. Doesn't allow you to compensate your team the way you may want to. UBS requires that your team spend a whole lot [00:09:15] of time dialed into meetings or filling out certain forms, so there's a level of bureaucracy and the more. Advisors feel that incongruence between the freedom and control. They want to run their business their way and the [00:09:30] mandates that the firm puts on them, the more advisors began to say or wonder, is there a better way?

Now it's a big leap from wondering is there a better way or is there another way? To actually making that move because [00:09:45] the move from working for a traditional brokerage firm to running your own independent firm is the biggest leap of all. I mean, it's a big enough leap to have an advisor move from UBS to Morgan Stanley, let alone from UBS to fully independent.[00:10:00] 

So the amount of incongruence that an advisor feels. Has to be pretty great, but it's not enough as I tell people just to feel pain, just to feel incongruence or feel frustrated. They also have to want it. [00:10:15] And there has to be an equal amount of a pull, if you will, towards something else. So using you or the countless advisors, we've moved from the traditional space to independence.

These are folks that felt that [00:10:30] incongruence. So we're willing to open their eyes, be curious, wonder is there something better? But who had a seed A of entrepreneurial, DNA, I wanna build something. I want to create something that's of me, [00:10:45] but also a really strong desire to do it better or differently. And we're willing to go through the pain and hassle of a move in order to get it.

Jonathan Blau: So Mindy, what I'm gonna ask you about is, is, uh, if you're comfortable talking about it as ai. [00:11:00] So my, my, what I always wonder about now is there's a lot of talk about AI displacing, uh, people in any industry, not just our industry, uh, from law to, to accounting and, and, and, and every industry in between. How do you see [00:11:15] AI in terms of.

Maybe what, what are the opportunities that it might provide for people in our industry who are providing advice and what are the challenges that people need to be aware of, uh, so that they continue to, uh, be as relevant as they are in providing advice? Yeah, [00:11:30] 

Mindy Diamond: so as I see it, there's no substitute for human interaction, for human counsel, human connection, personal relationships, and sound advice.

So I don't see AI. Replacing the need for top advisors. [00:11:45] I see it making top advisors better. I see it making them more efficient. I see it helping them to write. I mean, that's some a way I've used it in my practice. I've always done a lot of writing and podcasting, as you know, and a lot [00:12:00] of times, um, I'll put a query into AI that will make it quicker and more efficient and easier for me to say what I was gonna say anyway.

So I think it'll make people better and smarter. But I make practices more efficient and [00:12:15] effective, but I definitely don't think it's going to replace quality advisors. 

Jonathan Blau: So Mindy, the, the next guest we're gonna have on the podcast is gonna be Cheryl Penney, because, um, when I decided to go independent you that you introduced me to Dynasty Financial Partners and [00:12:30] I've become very friendly with Cheryl, and, and he also has a, uh.

What I think is a story that's, that's interesting to everybody, both from the perspective of the industry and its personal story. And I thought it'd be good to have to have a follow up, uh, with him after, after we, [00:12:45] you and I had an opportunity to talk. What, what, um, when you are looking at a firm like Dynasty that helps people like me to develop a, what he called the chatsy.

To build our own, uh, independent firm. [00:13:00] Um, how, how helpful was that, uh, for you particularly 10 years ago when I did it as opposed to, uh, placing people who didn't wanna maybe have an intermediary like that help them and went on their own, I can only imagine how [00:13:15] daunting it would've been for me to not have.

Someone like Cheryl or his firm. 

Mindy Diamond: So there are people that we would call, I think Cheryl actually is the one who coined the term rugged Individualists. There are people that are the ultimate do it [00:13:30] yourselfers. The people that plan their own vacations, they would never use a travel agent. They like to do their own research.

They like to mm-hmm. Figure things out for themselves. People that will look to build a house and won't use a contractor, they GC it themselves. Nothing wrong with that. Mm-hmm. But the [00:13:45] vast majority of advisors are focused on being good advisors. They wanna spend their time counseling their clients and growing their businesses and doing what they love and doing what they do best.

And they don't wanna have to figure out how to build a firm. So [00:14:00] enter Dynasty that. Really filled the white space that said, let's take a group of advisors that want to be independent. They're entrepreneurial, but they don't need to do it all on their own. They're very happy to pay us [00:14:15] to be the GC to the easy button, as Dynasty calls it, to get them from here to there.

We already know the mistakes that are made. We will avoid them. For them, they can be very costly mistakes. And so, um, as a result. [00:14:30] Dynasty has empowered a whole generation of advisors like you that want independence and wanna build a quality firm, but don't want to go it alone. They need a [00:14:45] solid partner and they're the best in the industry for sure.

Jonathan Blau: Right. I, I, I agree. So in, in closing, one of the things I'd like to ask you is, what, what do you see happening, uh, or what are the most important, um, things that you would, you would recommend to [00:15:00] young professionals today going into the, the profession in terms of the skillset that they need, the challenges that they might face, and along with that you can build your answer in together is, is where do you see the industry going?

Uh, from your perspective [00:15:15] or likely heading over the next 10 years that might, might be, uh, different than what we've seen over the last time. 

Mindy Diamond: Yeah, so you know, your question about younger advisors or newer advisors is an interesting one because I mentioned that I do a weekly podcast called [00:15:30] The Diamond Podcast for financial advisors.

And in the next couple of weeks I'm gonna be interviewing Dave Mullen, who is the author of the Million Dollar Financial Advisor and a bunch of the other books like it. And one of the questions I'm gonna ask him is, what do you think is the best [00:15:45] training ground for young advisors? Because the big firms always struggle how to get it right.

The bottom line is, I think my best advice for young advisors is they need to find a mentor. That mentor can be found at a big firm. It can be found at an independent firm. It can [00:16:00] be found at any firm in between, but a mentor that is really vested in that young person's success that wants to take that young person.

Under their wing. And the most commonplace we see it is with a family member or, um, [00:16:15] someone who's long been part of a team, taking a supports person and moving them into an FA role. Um, but having a mentor matters and. In the absence of a really formal, solid training [00:16:30] program that gives you all the best practices to tap into that mentor matters more than anything.

Um, and, and you know, it really matters more these days than some perhaps when you join the industry, Jonathan, where it was easier and more [00:16:45] okay to cold call. Cold calling is not in vogue now, so advisors have to be much more creative about how they raise money and source prospects. Um, in terms of where the industry is going, I think that probably the best thing you can [00:17:00] say about it is how exciting it is because how much more choice there is than ever before.

A top advisor has more choice in terms of how they practice, where they practice, what they [00:17:15] access, how they access than ever before when I started the business. If you were a million dollar producer, which in those days was, you know, top of the food chain, um, you, you know, if you were at UBS, you went to Morgan Stanley [00:17:30] or you stayed put.

But the notion of advisor choice, this enormous ecosystem that has been born to support advisors and the notion that it is as valid. To practice at Morgan Stanley, Maryland, [00:17:45] UBS, Wells Fargo, as it is, as an independent firm, and that this great democratization has happened where, um, what a UBS advisor can access is, is the same as what an independent advisor can access, [00:18:00] that there are no more barriers to entry, makes it really good for advisors and really good for clients.

Jonathan Blau: Which, which I see as, as a practitioner. And, and what's interesting is what you said about, uh, having a mentor. So I'll share a [00:18:15] personal story quickly and I'm sure the person I'm gonna mention will be very happy I'm sharing it on the podcast. But about two months ago, we hired, uh, for the first time in a while, uh, a young man who, um, maybe is a couple years outta college, and, um, I viewed him.

Uh, [00:18:30] I met him serendipitously. He was the, uh, the, the, the son of, uh, somebody who, who my client, uh, sees as their dentist. And so, so I asked my client, my son's looking to get into wealth management, and I said, I'm not really hiring, but I'll talk to them. I'll try and help [00:18:45] them. And, and, uh, I saw a very, uh, important qualities in the person.

Things that you can't teach, like, uh, looking in the eyes and shaking the hands and making sure when you follow up. Uh, to confirm a meeting with me that, uh, you, you're, you're following up professionally and [00:19:00] there were no mistakes in, in the, uh, in the, the written follow up and things you don't see a lot today in, in, in, in young people.

Not saying it doesn't exist, but I think it's different than when I was, uh, his age. So, um, I decided to take him on and, and, and invest my [00:19:15] time, uh, as his mentor. And it's only been a few months, but I already see that. Um, he reminds me of, uh, some of the people we used to hire when I was at Sanford Bernstein at 29 as client advisors, which are associates to people who were the advisors, which I was at, at 29 at [00:19:30] Bernstein, and they all became very successful.

So, so I'm actually practicing what you just, uh. What you just described is, is, is the most important thing for the young people to do with a new young person, uh, coming into the industry. And we're excited about that. 

Mindy Diamond: Yeah. And you know, [00:19:45] not to interrupt you, but so not only is it wonderful that you're giving back and giving this young man an enormous advantage and an enormous gift that I hope that he appreciates.

I'm sure he does. Thank 

Jonathan Blau: you. I think he does. 

Mindy Diamond: Yeah, but it's also really good for [00:20:00] you. Yeah, it's a wonderful way to build bench strength to build your next generation, and ultimately, not just good for you and your clients and the growth of the business, but at the end of the day, when you go to sell this business, it will make your business more valuable because it [00:20:15] becomes multi-generational.

It's less just reliant on you. So it's good for the industry. 

Jonathan Blau: You gave me a good segue to my closing, which I was gonna say, I'm always impressed, um, with any clients. And I have one in particular that has a very successful family business, and [00:20:30] you guys have, uh, a successful family business. There's you, there's Lewis as the president, Jason and Howard, uh, as the operating officer, your husband, your two sons.

So just tell me briefly, um, how that evolved, uh, over the [00:20:45] years and, and how you were able to, uh. To, to make it succeed the way you guys have. 

Mindy Diamond: Yeah, so I started the business 30 years ago. Howard had a successful law practice and about 15, maybe he's more of the historian than I am, I wanna [00:21:00] say 16 or 17 years ago.

He joined me as our chief legal counsel and chief operating officer running the business. And I didn't even realize how much I needed something like that until he came on board, um, about 11 years ago. Lewis, [00:21:15] my older son joined and about four or five years ago, my younger son, Jason joined. I never set out to build this family dynasty or legacy, whatever you wanna call it, but it's been the greatest gift for me and I hope that every one of my family members would say the same.[00:21:30] 

Um, I think what makes it work is that we have shared values. We don't always agree on everything. I'd be lying if I said there weren't challenges or disagreements, but of course, productive disagreements and. At the end of the day, it [00:21:45] works because we agree on the big things. We agree on the most important things, and that's probably the best piece of advice for anybody in a family business is that just because your family doesn't necessarily mean you see the world the same way.

And you can agree and you [00:22:00] know, I as a, as millennials, my sons see the world very differently than my husband and I do. But at the end of the day, we agree on the most important things. We agree on shared values. We agree on how best to counsel advisors. We [00:22:15] agree on um, doing the right thing always, even if it means we sacrifice personal financial gain and that is indispensable.

Jonathan Blau: Okay. Well that's great. I, uh, I see that it works 'cause I watch some of the podcasts and I see the, [00:22:30] uh, the family participating, uh, as true. Uh, owners of, of the business and, uh, and there's nothing that's a substitute for any employee, family or otherwise who takes ownership. That's one of the things I look for.

You're here. 

Mindy Diamond: You bet. 

Jonathan Blau: So, so [00:22:45] Mindy, thank you so much for being a guest. I really enjoyed, uh. Discussing everything with you and, um, and, uh, again, thank you for, uh, helping me out the way you did, uh, a little over a decade ago. 

Mindy Diamond: Uh, and you know, you know, Jonathan, I'll close first of all, my pleasure, and I'll [00:23:00] close by saying that the way I think about every placement I've ever made, every.

Every move I've ever facilitated, um, it's almost like birthing a child, right? So I feel pride of ownership. I feel [00:23:15] proud when I see how well you've done that you are mentoring another y you know, the next generation that you're building this wonderful podcast. So kudos to you as well. 

Jonathan Blau: Thank you. Talk soon.

Thanks for tuning into another episode of Crazy Wealthy Podcasts. Please follow or [00:23:30] subscribe on your favorite podcast venues, or you can find us on crazy wealthy podcast.com or fusion family wealth.com. Stay tuned to hear. Amy's calling for the recap of today's episode. 

Amy Blau: Hi Hun. [00:23:45] Hello, how are you? I'm good.

Did podcast today? 

Jonathan Blau: Yes. We a nice conversation with. Mindy Diamond from Wow, that's 

Amy Blau: a plan from the past. 

Jonathan Blau: [00:24:00] Yes, Mindy was responsible for helping, uh, helping me, uh, figure out the best way to go independent when we started Fusion. So we, we revisit that a little bit and had a nice discussion overall, 

Amy Blau: where's her business today?

Jonathan Blau: [00:24:15] So she's doing great. She has, um, Howard, her husband is the general counsel, so speak. It's, it's morphed into a family business. And she has, uh, both sons also in the business, uh, Louis and Jason. And, um, and we talked a little bit about [00:24:30] how to manage, uh. That kind of a family business, uh, dynamic and make sure everything continues moving forward in the right way.

Amy Blau: That's gotta be one of the hardest things is how to blend your family and the business together and how not to fight [00:24:45] at the Passover table. 

Jonathan Blau: I. No, it's true. But what was interesting is how, when we talk about how she started the business. So she, like me, was an accountant and, and, uh, like me knew that that wasn't her passion, putting it [00:25:00] lightly.

So she decided to go into recruiting and she was recruiting. For, for the accounting profession. And what she was telling me is how it was very transactional, much like the early days in the brokerage business, were transactional selling things for commissions [00:25:15] regardless of whether or not they made sense for people, uh, you know, 30, 40 years ago.

So she was doing the same thing she described where she would call up an accountant with an opportunity. And let them know regardless of knowing whether or not it was right for them, how wonderful the opportunity was, and [00:25:30] then making it fit. You know, making sure that they saw how wonderful an opportunity was and hoping that they would transact with her.

And then she learned that that wasn't the right way and she actually pioneered in the wealth management industry, the consultative approach [00:25:45] to recruiting, where she would call up and say, Hey, tell me about your current position. What is it that you most like? What are the biggest challenges? And if you were to move, what are the things you'd be most, uh, looking to accomplish in a move?

And only then she would come to them with opportunities. So [00:26:00] she really, as she described, there was a pioneer in that space. 

Amy Blau: So she really became almost like a psychologist to people also. 'cause she had to find out what fit their needs rather than trying to take a square. Square, um, peg and put it in a round [00:26:15] hole, 

Jonathan Blau: right?

No, and, and very, very, I I, I saw a lot of, uh, a lot of similarities. Like when I asked her about what she attributes, the big migration from brokerage firms to becoming independent operators, uh, what [00:26:30] she said is, it's incongruence. The way she described that is, you know, she said to me, you used to work for one of the big firms.

Before you went independent and they might have asked you to sell a certain product and they might have said during downturns you can't keep the same staff, uh, and, [00:26:45] and hire people and so forth. And so that incongruence led people to, to really wanna be, um, doing, doing things independently without, without all of those, uh, restraints.

And so it really hit home. 'cause that was definitely, uh, [00:27:00] in large part why, why we decided to go independent. 

Amy Blau: So on another note, do, do you remember when we ran into Mindy time at Mindy Diamond? Not long after she placed you? 

Jonathan Blau: Sure. We were in Hawaii and we met [00:27:15] her family, 

Amy Blau: and I remember the conversation went like this.

We were sitting on a lounge chairs. You were probably yelling at one of our children. And she said, out of nowhere, I know that voice and there she was. 

Jonathan Blau: No, it's [00:27:30] true. It's true. So in any event, I thought, I thought it was a, a, a good podcast, a good discussion. A lot of similarities between what I do, being very consultative and, and, and based on, uh.

Human behavior and so forth and, and, and, uh, [00:27:45] so all in all, uh, I thought it was, it was a worthwhile podcast. 

Amy Blau: That's great. That's great. So what, what's your next step? What's the next podcast gonna be about? 

Jonathan Blau: Next podcast gonna be with Cheryl Penny from Dynasty Financial Advisors, [00:28:00] whom I met through, uh, Mindy, when we were looking to go independent.

And so, uh, so we'll be, we'll be following up with Cheryl and, and his story and how he's helped, uh, in large part the, the move to independence, uh, as a thought leader in that space. [00:28:15] 

Amy Blau: Sounds like it was a great day. 

Jonathan Blau: It was a good day. All right. Thanks for calling in, honey. I'm glad, uh, I'm glad you are still interested in, uh, in learning about our podcast.

Of 

Amy Blau: course, I'm always looking to learn something new every single day. 

Jonathan Blau: All [00:28:30] right. 

Amy Blau: Have a great day, hun. 

Jonathan Blau: You too. Bye bye.

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