Ellevest Financial Advisor - Private Wealth Management
University of Wisconsin-Madison Bachelor of Arts (BA), Economics
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How did you get to where you are today? What is your story? What incidents and experiences shaped your career path?

Summarized By: Jeff Musk on Fri Mar 06 2020
So I graduated. Actually, in the financial crisis in 2009 it was not an ideal time to be looking for a job, especially. I majored in economics at the University of Wisconsin and wanted to work in some type of financial role. So obviously, most banks and financial firms are hiring freeze. That's still trying to figure out what I was going to d'oh! And so, very actually, first, what? Honey postgraduate business program to London. I know you want to work in finance. Uh, I got when I take a chance and do something you can't condemn different and one on a program called Mountbatten, which is for individuals who have graduated from universities and are looking for a combination of full time work, but also, um, studying while over there. So I worked for a New York based brokerage firm called Cantor Fitzgerald. They're rather large broker dealer here in the U. S. And at the same time took international business course, Grab, graduate, vs and over there, I actually worked in corporate finance, which is it was a very helpful thing for me to see what that looked like in terms of all the different types of finance you could be in. I loved it, but it was kind of like the same type of thing every single day that I was working on. A lot of the currency trading is that this is all over the world and thinking back to New York and they want to work for a range institution and ended up, Um, really not working in such an ending of a J. P. Morgan in an associate program. An analyst program, their first within commercial bank Marie worked with midsize corporations on their elected, A cash management and within. But the investment bankers and such eyes. Great experience for Young was able torto color quiet meetings and do all these things that not everyone is able to do. Um did that for a couple of years and then, um wanted to take advantage of interim ability and moved over to the private banker J. P. Morgan, where I went through the associate program there, partnering with a senior adviser working with high Worth individuals, families, opponents, foundations, tell them invest Len Lodwick, lend money, um, borrow money, estate planning all of these different things and in helping them with their financial life. So working on that it was a great experience and stayed there until I was actually looking on my own client book. And I had worked with a lot of women, and I saw really the issue that women weren't getting invested in. I'm lucky enough to have seen my current CEO now speak at multiple events in New York City. Sallie, Krawcheck and G. I started a wealth management firm for women but actually hadn't started high net worth is this And it was really by chance I saw that they wanted to hire an adviser in high net worth at all of us. So I came over actually as the first advisor fella bust. Um and you know what I think about it? I wouldn't be here today if I weren't working a J. P. Morgan, but really being able to see the issues that women weren't being served meeting women who just weren't investing needs most powerful women in this country. Or just sitting on millions of dollars of cash, huh? Really was able to see you know why I kind of wanted to go into to help early mission driven investment firm rather than big bank thing. It was great. Have that Step one is the tool of someone with no place that gives you a lot of training and experience, and I was able to really bring that to my little on basic shape are offering in a way that made the most sense for us.

What are the responsibilities and decisions that you handle at work? Discuss weekly hours you spend in the office, for work travel, and working from home.

Based on experience at: Financial Advisor - Private Wealth Management , Ellevest
Summarized By: Jeff Musk on Fri Mar 06 2020
for me, which I like. Um, you know my responsibilities. Air managing my current clients. So for an instance of times like, it's one in a lot of market volatility, I have to call my clients, talk to them about the markets, reassure them about their strategy. Uh, it's my job to find you played. So I'm constantly, many people and networking and such. And then when those crimes want to have a discussion about business, prospects, will want a description of becoming finds. I'm also working with them on What's the strategy? Racial put together? What type investments should you be investing in? Um, you know, how can we be the most tax efficient as possible? How can we bring the most impact you as possible? Because we do a lot of activity is molting, and so a lot of it is also bring finding What's your mission statement for you? We should be putting together many portfolios. So you know what a jaded and Jacey just saying. On average, I travel quite a bit. I travel every week this week I was in Washington, D. C. Last week I was away. Um, probably spend 2 to 3 days a week in the office and the other to draw on to the publication of my clients are hosting events such very rarely work from home because Ryan be able to be in the office at, like to interact with, uh, Mike Rawlings infection. I have in mice analysts and associates, you said Work office, doing right before me and holding my accounts. It's always great to see them and actually work with them on that. But I'm locking that I get to travel the country people uncle and, um, spending my time in the office to do my roadwork.

What tools (software programs, frameworks, models, algorithms, languages) do you use at work? Do you prefer certain tools more than the others? Why?

Based on experience at: Financial Advisor - Private Wealth Management , Ellevest
Summarized By: Jeff Musk on Fri Mar 06 2020
that we need to be able thio to use, Um we're looking up. You know, we used range planning tools quite often than thinking about that. Um, our system is algorithm based, so I don't actually build those. I leave a team of engineers and such here who really work with our chief investment officer to build out those. You know, we're really building out. Ah, a lot of Obi uses Excel based building out People's Angel plan within that you're taking some statement and mounting it to current. You know what their investments allocation is today. What we wanted to be in all these different types of things. I wouldn't say what use any of these kind of, you know, there were people my company use more than her core, like engineering systems and such because they're building it out. Um, we don't have to do that. Frankly, do a walk through. It feels worse in such a tool to send human ills to do all these things and then just a lot of basic kind of like wealth management tapes of tools. In Bloomberg, we use Thompson Reuters, but you don't have like these those types of basic financial jewels of anyone management firm would use

What things do you like about your job? Were there any pleasant surprises?

Based on experience at: Financial Advisor - Private Wealth Management , Ellevest
Summarized By: Jeff Musk on Fri Mar 06 2020
yellow last know is that I truly enjoy every single one of my clients. Like, we're her friends through very close relationships. I think they're all amazing people. Um, I want to support them in anyway, So I'm very lucky that, uh, you know, I don't have clients calling me that. I'm like a god like that person again. Um, you know, I really do enjoy working with these people. I think one of the most amazing things of when I came to L A vest was I a fortune and a very large right wealth management firm before, But being able to work with very wealthy women who actually like you were making such a difference in your life that they're so thankful to you. And, you know, we've had women cry because they just feel like it's the first time they've had the ability to understand their finances and have someone listen to them and such. So it's really an incredible experience to feel like you're making such a difference in someone's life. Um, I think at the same time, for me in kind of that scene being, you know, working on a newer type of financial company and one. So we're feeling the impact that you're making in the company is great. You know, when you work for a larger organizations, harder to feel the impact because there's just so many people there, so many things going on. But when you work, it's more accusations. Been great to see, like every single thing I do don't make a difference. And that client, I bring in the idea I have. All those different things were matter to our day to day. And so that's, you know, that's one of the most amazing things that coming from big organization I honestly never would have thought about Hey, yeah, so

What are the job titles of people you routinely work with inside and outside of your organization? What approaches do you find to be effective in working with them?

Based on experience at: Financial Advisor - Private Wealth Management , Ellevest
Summarized By: Jeff Musk on Fri Mar 06 2020
director of investments are investment associate on Dental Investments Team. Where I worked with I'm probably the most our financial planners within our company and our client Service associates on a day to day basis would be the most routinely people I work with. And, um, you know, there which is, you know, work doing all these things. And I think that it was different. Different types of people were very differently. That's kind of when I alluded to earlier. I think it's important for me to see these people. Everyone's also we go through, you know, my investment associate, put together my pinch book, and I need to go through and change things with her. And, you know, we literally, like provided Jack sometimes and productive five old ones and say what we like this first of staff versus this tape of thing. Um, you know, we do a lot of a mile back, more earthly slack, a communicator message to go through things which I don't find to be as an effective individual, believing you things like Google sheets and such so that we can all We're very busy. So we cannot comment on things and such, um But, you know, it's really you know, what I try to do with with my team is especially say we're working on a certain client or prospected, setting aside that 15 30 minutes on people's calendars so they could be completely focused on what we're thinking about rather than just email it answers and then think about something else or slack message to second answer. I think whenever you can kind of focus on on this specific subject that there's more creative ideas, especially commonplace. So I feel very strongly about having those conversations, whether they're on the phone or a person. I think I was head of the organization of people I work most. It would be like our fund manager partners, Um, so that would be, well, use alternative investments. Um, so thinking about the people who are actually running money for, say, a real estate investment, we use that type of investment we used so interacting with people on the outside as well as, um, you know, several manager Cone managers that we used to provide data for us for Impact Analytics and such would be the most people look with on a day to day outside in terms of make internal my external it most have, I probably spend. It is a whole outside memorization Army clients. And so this will be all different types of job titles and people in such on that. But I think in terms of fund managers and such, like, for instance, I was just on the phone with one of them. And again, it's setting aside. You know, I sent her like, five items. I I tried to send, like everything I know in one. You know, I need five things, but we had a 15 minute call just to be like, Here's a prioritization of years may need first and eat this by tomorrow. I need this type of thing and just kind of making sure we're all on the same page that went on working on something, and then I come back and say That is not what I meant whatsoever. Yeah, I think that you know, our our biggest

What major challenges do you face in your job and how do you handle them? Can you discuss a few accomplishments?

Based on experience at: Financial Advisor - Private Wealth Management , Ellevest
Summarized By: Jeff Musk on Fri Mar 06 2020
someone especially woman to talk about Money is not the easiest thing in the world. And so I can't, um And you had a financial advisor for kind. Even if you care about our mission, Er's and you want to invest with impact or whatever, Maybe, um, women tend to be afraid to fire their financial advisors. And, you know, there's just this level of inertia that once you're with someone, you just kind of stayed with him. And so it is. You know, I do a lot of working with our clients to think about the prospects to think about. You know, what is the bigger benefit that we're going to give to you here? What is How can you fire like I would only sometimes tell people like here, you This is how you could tell your adviser like you're leaving them in such a So a lot of it for me is a psychological side of it with our client. So it's not necessarily the hardest part is be sitting down and figuring out what your asset allocation is and what this like. I could do that. It's helping people through, you know, the other side of that thought process or talking to their partner about it or their dad and their family office or whatever. Maybe, um, so you know, when I I think about some kind of confidence in that room, I think it always takes a time period. And so I think, you know, for me, um, when we look at it, you know, like, for instance, I have a family office client that I met with and they'd use their adviser for 10 years. But we were clearly more impactful than them should believe in gender lines investing. That's what we do a lot of time. Um and so a lot of it for me is being able to figure out who are the right people to bring in their room, because sometimes it's my CEO. So turned suspension from this small officer with the right partner is, um, you know, I went to a family office of the South that a lot of it was so making sure that we're not just for women sitting there like knowing your audience and such and thinking about that and knowing if potential manager lost investor, this is analytical. But that woman looking financiers, you kind of think about these things. So for me, you know, my my favorite accomplishments are really these tougher cases of people to move over. And we certainly have the clients that, uh, we meet maybe some clients, and it feels like a very you easy, seamless process. But I think there's something much more to it when even when someone comes back, you know, to come you're like, All right, now I'm really going to make that my client Let's get data and all these things and, um, all that background behind it. So, you know, we have many of those instances, but that's kind of like the fun of it that we go through. Yeah. So it depends on our roles over looking at my role. Um, you know, we're thinking about people who have, um

What qualities does your team look for while hiring? What kind of questions does your team typically ask from candidates?

Based on experience at: Financial Advisor - Private Wealth Management , Ellevest
Summarized By: Jeff Musk on Fri Mar 06 2020
um, who can talk to other people can really each other people look and money Such a personal thing. You need to have, um, a way to understand, to relate to all different personalities. One of our biggest things, actually, as a financial firm that is more of a startup tape, it is there. It's a lot of times were hiring people from financial institutions and so finding people who can invest tying to you want new things, not everything's just gonna be handed to them. So it's really kind of like the flexibility of a person to understand that, you know, that everything's gonna be figured out. And sometimes we're have these types of situations where someone, a client asked for something, and we figure out like, one week, and we just you know, there was other projects. You just drop everything else and say, Hey, look, let's let's go to this now, Um and so it's really that possibility of the personality and the you know what? I'm hearing people who are supporting my clients. It's a combination of people who can write clearly because you want to make sure that people are, uh, gonna be easily understood it if their investment world Anderson Investments, but also just on the client service. But they're gonna be friendly. And you know which everyone. A great day, every day, and and just a lot of my clients I joke like they're obsessed. It's on my client service, people. And then you tell them everything. And from that they love this type of cookie to all these things. Just because they develop these relationships so important for them to be organized and such but like the the Italy have interacted relationship is so important along with that kind of started side You? Yeah. So for me. So I should preface that I was

What is a typical hiring process for a job like yours? What are the titles of people who interview? What questions usually get asked and how to handle them?

Based on experience at: Financial Advisor - Private Wealth Management , Ellevest
Summarized By: Jeff Musk on Fri Mar 06 2020
two pounders and your investment officer? Not necessarily. People get into the process at this point in our company. Meticulous. We're thinking right. You like. We have an HR woman who's pre screens everyone. And so she has initial phone call. So people, just to lay the groundwork of, like Nelson because that's how much money we pay people, you know, you're kind of like this is what the role in tales, either the goals of the role are you. How do you feel about letting me pre screams? And then they go on to the North our operations to screens that I couldn't just say OK should be, actually bring this person, and so has another phone call. And then that way we feel like a strong candidate they actually common in. And you almost like a super half day where you do extra five different sessions. Um, that includes myself, another adviser, chief investment officer and buys our service team and another person under Investments Team. There's a combination of just conversations, but we also do an actual exercise and kind of like role play type of thing. But we found some questions beforehand in it and think it were poor widow and go through this person. This woman inherited this money she wants to be. She wants a impact face portfolio. She spends this much year. She's focused on returning, you know, whatever it may be kind of How would you structure of this conversation? It's a whole hour. That day is focused around going through how someone would actually go through that A lot of the rest of the day is thinking about, you know, our investments team focuses there. Mr. Focus on just a little, probably Beth Wallace naming. It's my job to focus on doing things someone it's gonna be fucked up to be in this environment. Are they going to be, um, you know, have you ever done something where you felt like you were more restarted environment before? Um, how do you feel about being somewhere that not everything has figured out? Uh, you know, do you in just kind of their experience of working with different types of clients and such So, um, I think the best thing is kind of like the preparation of going through that process and understanding. I always think that people were who do the bastard the most prepared of like they know I work for J. P. Morgan for seven years, and that's my background. While, um, you know, they're talking to someone else who is a totally different backgrounds, so understanding the type of person they're talking to within that, uh, and expectations. And I think setting those expectations within those conversations and I always tell people like there's nothing wrong. People are psycho. I don't repeat myself again to a different person, but you're meeting people in groups that they're not all gonna talk to each other. So it was some people. It doesn't matter if you have a really important point repeated all five sessions you have because we're not open that relate that to each other. And I think some cocoa will. They know we're ready and and I don't think that's necessarily true. Um, but you know, a lot of it is the basic side of it, but it's also just yeah, quite calming down. And this is such a relationship based roll that I think it's hard when someone comes in like so nervous to see how they're really gonna be. So I think it's a lot of is just like the props side of it. So it's a typical person, actually. He was a financial advisor. Actually, their career broke actually just becomes like growing in a book.

What is a future career path for professionals like you? How long does it typically take to advance through various roles? How easy are such promotions to come by?

Based on experience at: Financial Advisor - Private Wealth Management , Ellevest
Summarized By: Jeff Musk on Fri Mar 06 2020
your team. Like I didn't think. When I first started, I had, uh you know, I had my investments team, but I didn't have any other client service. People are associates of my book. Like I did my pinch books. I opened my cows. I talked to the clients. I did everything, Um, And now I have three people who do all that for me because they have a large set of clients now, this But, you know, you just continue to think about it and not let anything through different ways of people can go on the pump. You know, someone could just grow their book and be a financial advisor for their holy Um, that's not necessarily marry. Look, But I'm also very much involved in the day today, building our business. And so, you know, I think there's a phrase you can you know, when I was still working, there be very successful advisors who they go run. The princess Corps officer launched the holy City office that launch, You know, like thinking about all those two different times and things, Um, as well a cz. You know, more focus rolls on. Maybe I'll manage the advisors maybe we'll do this like those different types of things that people can, um, coming to. I'd say that I feel this feel this way of not just about financial advisors, but every single roll of them Bunions. I think you're never going to get anything unless you ask. So I think that you know, the typical way in the timeline to do it is really depend on a person, because there's not. When I was running with the training program and J. P. Morgan there is, it's a very traveling. I was your analyst for three years and shows you for three years. Then you're kind of on your own, and you kind of go from there. But I think you know, after that, it's really up to you and recent organization ever. Sure, if you don't ask, you're not going to do it. So it could take some time years ago. There's somebody here, Um, but I think that, you know, we look at it, um, we're very flat organization. So where is in banks? You have the BP, even them do you type of thing. We choose not to do that here to keep every kind of playing fields. We don't do that to instate promotions is a big of a deal here. But, like, for instance, we do with our client service team. We do with our restaurants to you. Um, it's not, You know what? I think I like it here so much. It doesn't have to be like only in January. We do that. You know, if you're if you're doing a great job minutes April, well, it's probably because you've been doing an amazing job. And so I've seen people do that within their short periods of time. And other people have been here for long. Yeah. So I think there's a couple of ways I mean about the bigger banks. Their training program said that do exactly that. Um, you know, that are private bank analyst programs. They're really, like, set up for this. I think within an organization like my

What are different entry-level jobs and subsequent job pathways that can lead students to a position such as yours?

Based on experience at: Financial Advisor - Private Wealth Management , Ellevest
Summarized By: Jeff Musk on Fri Mar 06 2020
mess. It's focused on our digital client, and she kind of raise your hands saying, You know, she's young. She graduated from college just two year. This is her first job out of college and speaking to me and said, Hey, like I I would really love to one private wealth. And as I turned outward a star and I want her to kind of joined some of our calls or meetings to see kind of what, um what was of interested? Okay, you want probable? But that's beside you. Wanna be an adviser? Do you want to be? I'm a planner and you know she and break the great thing of something like here is then able to say OK, like, you have a wonderful job. Now you're doing a great job. But ratchet, this more capacity we've been pulling over to be more investments. Is those theater such and work? I'm like a partnership type of, really. In order to work lying, I think the best thing or, um, we think truly the best way is to find someone and isn't what I had done it. You've been working, and I would love to have someone do this with me and in your future, Um, my mentees team India. For me, it's too pulled away. Someone who is building was built a business and that you regard me with nothing could be on the coffee. Then you're interacting with their clients. Is hearing how people work. I think is truly that that's spreading. Alerted houseful? Yeah. I mean, it was a very similar role in the sense that I had sales goals and we did We could bear broader platform. There is rated investments. We also did just please.

What were the responsibilities and decisions that you handled at work? What major challenges did you face in your job?

Based on experience at: Private Banker - Vice President, J.P. Morgan
Summarized By: Jeff Musk on Fri Mar 06 2020
and when we're thinking about it. But on it Waas Very similar in a sense that, you know, I had to build my main business. Um, right, so it was very different is I had a lot more people who did all these different place of things with me. So there's the one who you know, there's account opening team than my client was. You know, they had an analyst. You did only have been stuffed in his own right. So we got rules and the way we think about that and so very similar responsibilities and decisions that have to get more our I'd say the bigger challenges there, uh, Vietnamese very well recognized being, You know, it's different than here that you don't have to explain like I have to explain. What I love best is never give to explain to someone what Jacob work It is, um, but the bigger challenges really navigating more organization. I think you have so many different paths that are more defined. The other's a change. The covers hedge fund partners or the cheese and cover CEO. They're the team that covers, um, close your business owners, and so and they're looking to you to very quickly from design we're gonna cover for here. I have all sorts of clients and sanctions, so people don't notice things about those tapes back type of places. It is. So we're good. You're trying to figure out how do we, Um We're life into you. And you have to figure that out rather quickly, in my view. Yeah. Um, so I majored in economics, but you also chose to take some, like accounting and finance courses and such. I mean it. I think that

How did the school prepare you for your career? Think about faculty, resources, alumni, exposure & networking. What were the best parts?

Based on experience at: Bachelor of Arts (BA), Economics, University of Wisconsin-Madison
Summarized By: Jeff Musk on Fri Mar 06 2020
like getting an MBA and such. And I thought that was very helpful. Instead of just sitting here and saying like, Well, I will see your think, Think it's real like, um, scenarios and and thinking through that, um, you know, one of my favorite things I ever did waas in And it was actually in the fall of 2008 I happened to be signed off on that kind of. It's a financial markets on which we know that they're more trembling, thinking about this. So and I had this fabulous professor that really took the time to say, you know, okay, throwing the that's not even focus on this this book that we have because we're living in it right now like the world was falling, the banks were failing and he was feeling everything was failing. And so he was really took that opportunity. Just look through the real life things that were going on and teach us that, rather than just focusing on the textbook hole all day, I think was really got was, uh, Wisconsin is It's great in a sense that, uh, has a network within different cities, and so there's actually a lot of my network here and such that whole sevens and these types of people in that working and things like that. And I have found that, um, you know what? I've been exploring different types of roles. One of things I have done is like God, only 10 and with people who are also what was going on and and asked him to talk to them, I think, um, great thing about the pride of a university is that people feel, you know, they want that their their fellow classmates and people went to their own water to succeed. Um, so I used that Really, To my to my benefit and thinking about that, and I continue to do so, but there's different events that they host on. There's a business society here in New York that I turned all my rebounds, their small dinners that they host that, uh, they're thinking through that. And so, you know, I think that, uh, well, I still do that, you know, in like, while I was there, it was making sure that it's easier to figure it all out while you're there. The one you've been so kind of navigating. What the different resources are gonna be that you have to leverage as you go through your career, I think is important. Fire in school. Yes. I think you know one of the things for me that I have always been and hard working all of us. So much so I came from a family nor made my, uh, my mom, my grandma, levels like the financial people in our family and not in the sense of what they make those.

Would you like to share something that is not on your resume? This may include your passions, facing setbacks or adversities, a unique experience, or an unexpected help.

Summarized By: Jeff Musk on Fri Mar 06 2020
my grandmother just growling and this created all day, and my mom was really the investment side of that. So I come from back home thinking about this and hadn't really realize it at the time, But it was really important to me that women were frantically empowered. And so whereas I said I can't into an organization into a wall, that was not exactly that way. And I think, um, it was incredible for me. It's down to me or I really didn't know what was going on. And there were some of those powerful people of the country, and you take a step back and realize like it really Rose helpful. And this was to be the women were financially empowered. And so when I started it, Allah vest. It is totally different with me for a mission driven company, huh? In my life. And I think that, um, that's I feel so passionate about it. And I always tell his people are hired and such a feeling passionate about your work and such changes things completely. Not only how happy you are on and unity basis, but, um, being able to like, you know what you're trying to sell clients like I don't have to sit there and there's no, like, faking it, like, how am I gonna sell this type of thing? It's like I feel so good about it and so finding a way to do that, even as you know, one of my heart. Thank you. Leave A J. P. Morgan. Frank was I come to find myself a J. P. Morgan. You know, I was like, I work for the organization and his fancy and people feel like you're smart when you work there. It was really hard for me to leave, but you come to realize that that that's not what the most important thing is in your career. And yes, um, you know, I I think that it's putting yourself, you know, putting yourself out there is the most important parts of meeting. I would not have had my first tribal champion working and remember the guy Gradient dies, and nine like the world was really not a good place, and they were hiring in the

Do you have any parting advice for students hoping to get to a position such as yours? What 3 dos and 3 don'ts would you suggest?

Based on experience at: Financial Advisor - Private Wealth Management , Ellevest
Summarized By: Jeff Musk on Fri Mar 06 2020
like meeting 20 people. And even though they want the woman who actually hired me, there was no opportunity. When I first met her, it actually came down to A month later, one of her analysts left, and she called me and said, Hey, I actually an analyst Roll on my team. Would you want to work for me? And I ended up there. So I think, you know, it's always being its right place, right time? A lot of the time, Um so I think making putting yourself in front of someone, but a little like reminding them that you're there, because if you're not reminding them that you're there, they're not going to think about you and something, um does come up. So you know what I think about it? It's It's that the networking, um, thinking about that having your lengthened for awhile upstate and actually being like active on Lincoln and I could be a small is like liking someone's posts that they put up. You wanna work? Forget? Sometimes I have people like a post I put up like Oh my God, I should follow up with Ahmad X y Z because I see it it seems so small. Um, but doing things like that and then in terms of, like, using your universities, um, network and such to do Just like I even think about a lot of the colleagues I haven't They reached out to someone here who worked here and doing things like that. You know, I think that things have I think about don'ts. It's it's you want to be in for me. You want to have, like, informational interviews is you're thinking about what you're doing and such, but I'd say Don't, um, don't boil the ocean. You know, sometimes you think you need to have all the information. I think actually, looking periods will tell you what you like and maybe don't like and thinking about it. So focusing on outside and it's okay if it's not right, it could be You could figure that out. Um e Also, I think I don't. It won't be. I wouldn't say no to a job since that wasn't exactly what you want. But I think you could take it if it rolls into things. Um, you know, I had to do that because we were in a terrible recession. Financial. Uh, financial world hadn't really come to crash at that point and thinking about that. And so is you being flexible and thinking about that and, you know, being open to new opportunities. But I think they put yourself out. There is really the most pro part here. Great. Thank you.