Podcast → Episode No. 163

From $30K to $330K in One Year: How to Handle Explosive Firm Growth

With Kyle Moore, CFP®

January 14, 2026

Featuring

Kyle Moore, CFP®

Quarry Hill Advisors

What does it really take to bet on yourself and grow faster than you ever imagined?

On this episode of Behind the Advisor (previously known as XYPN Radio), I’m sitting down with Kyle Moore, founder of the fee-only financial planning firm Quarry Hill Advisors. Kyle has led his firm through some of the most explosive growth we’ve ever heard about on the podcast, and his path into the industry is just as compelling as the results.

Kyle shares how he transitioned from traveling the country as a professional golfer to entering financial planning at a firm whose partners split just nine months after he joined. We discuss navigating the rocky start with a young child at home, why he once accepted a $25,000 salary, and what ultimately led him to leave what he calls “the best associate planner position in the country” to build his own firm. It’s an honest look at risk, resilience, and what it really takes to bet on yourself.

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Listen to the Full Interview:

Watch the Full Interview:

What You'll Learn from This Episode:

How Kyle got into financial planning after starting his career as a professional golfer
The big shocker that led him to work for only $25,000
What made him walk away from a great position as an associate planner to start his own firm
How Kyle generates leads
His marketing strategy
Why has he avoided serving the golf niche
The phases of his sales process
How Kyle closes 80% of the ideal prospects that walk through his door
The fee structure at Quarry Hill Advisors
Advice for those considering starting their own firm

Featured on the Show:

Kyle Moore, CFP®| Site | LinkedIn | Twitter
Twenty Over Ten
Sales Pro Insider

This Episode Is Sponsored By:

Read the Transcript Below:

00:00:01

welcome to xypn radio where your host Alan Moore brings you into a community of Fe only financial planners who want to profitably and successfully serve Gen X and geny clients if you're ready to get the knowledge you need from leaders in your field learn from forward-thinking advisers and take action on your own goals xypn radio is the show for you here's your host hello and welcome to this episode of xypn radio I am your host Alan Moore and I'm excited to have xypn member Kyle Moore

00:00:28

founder of Cory Hill advisor in St Paul Minnesota on the show today Kyle started his career as a professional golfer and traveled the country for four years with his now wife as his caddy before deciding to settle down and find a job a mentor introduced him to the world of financial planning and he found a FY firm in St Paul to start his career The Firm was owned by two partners that split after nine months and he followed one of the partners to start a new firm despite them having limited Revenue so

00:00:56

he took a $24,000 a year salary until they could afford to pay him more he was there for four years and faced a decision sign an employment agreement and take over as lead adviser of $100 million of client assets or go start his own firm while many would certainly take the big salary he decided it was a great time to go ahead and start his own firm and I have to say it looks like it was the right decision he started his firm with about 30,000 in revenue and five clients and in 12 months just one year

00:01:24

has a run rate of $330,000 of Revenue and 42 ongoing clients we talked about his astronomical growth and how he's been able to keep up how he generates leads which are mostly coming from Google Search now how he leverages a one-time financial plan in his sales process and how he is now closing 80% of the ideal prospects that walk through his door this is an episode you do not want to miss a second of support for today's episode comes from Orion advisor Services liberate yourself from the back

00:01:55

office tedium slowing your growth with advisers easy to use Easy to scale portfolio management technology platform supporting a range of performance reporting fee billing trading compliance and client experience needs it's Tech that works as hard for you as you do for your clients Build a Better Business so you can build a better life with Orion advisor you can find any of the additional resources that we mentioned during the episode at xylen network.com 163 also be sure to go to XY planning

00:02:24

network.com viip to join our private group just for xyp and radio listeners it's the community advisors we've all been looking for that's there to provide support when we need it the most best of all it's free I encourage you to check it out again that's XY planning network.com slvp without further Ado here's my interview with Kyle hey Kyle welcome to the show man thanks so much for being on yeah thanks for having me so we recently did an episode with Ryan freck for the second

00:02:53

time sort of did it was about a oneyear check-in about 18 months after he had launched his firm and you know there were some there were some good comments M about that got a lot of great feedback from having done the one-ear check-in I think that was happening in the VIP group and then you emailed me and said hey I'm one year in so let's do an update and so I'm excited to to hear sort of where your business is at because you've got some really cool stuff going on so just give listeners a

00:03:14

quick high level overview of your firm sort of where you're located how many clients you have when you started the firm and then we'll we'll go through the career path and and dig into the details sure yeah well I'm I'm located in St Paul Minnesota thee only firm registered in May of 2017 so just you know had my one-year anniversary at late late spring I have about 42 ongoing client households now most of that is AUM based billing there's about seven clients who are on retainer and my

00:03:49

forward-looking Revenue well depending on how many one-time plans I do which we can get to it's a a decent part of my business my my run rate revenue for for the next 12 months is about 315,000 315,000 so did you start your firm with a bunch of Revenue or is this mostly you know growth over the last 12 months yeah good question so I started with about six client households and that was roughly 32,000 of Revenue so if you look at a lot of other explo Planning Network advisers Who start at zero I basically

00:04:23

was kind of starting at year one if you if you look at it that way yep that's fair so I had some revenue and then there was some pretty big clients that came on board right away as soon as I launched and so I had a nice cushion to start that allowed me to really reinvest in the business and and take some take some steps that other people might not have been able to take in order to really grow so 33,000 run rate you don't have to get down to the granular but sort of what's the breakdown between AUM

00:04:51

onetime planning fees and sort of retainer planning fees I guess just generally how does that made up in terms of service model most of it AUM about 15% of it is is retainer and probably probably 10 or so percent of it I don't have the breakdown with onetime plan fees I don't really keep track of that very well it's a part of my sales process though the one-time plans so I really I see the onetime plans as being a part of of new clients investigating me and whether they want to continue to

00:05:22

work with me moving forward so it's a smaller portion of the revenue but it's it's definitely a part of the whole process okay I definitely wanted diing into that dude that is incredible you should feel really good about that I mean that is just explosive growth that's some of the highest that we've had on the podcast in terms of like I said we can say you started you know 12 months ahead because you brought over some Revenue but in the grand scheme of things like 30,000 it feels like a lot

00:05:47

but you know you've 10x that in 12 months so I wouldn't say that was the end all Beall of it obviously you've done a lot of work since then so congratulations on that thanks yes I'm definitely not where I thought I would be it's been beyond my wildest expectations I thought I'd be eating ramen noodles for for however long thought my wife would have to you know pick up an extra shift she's a nurse I thought she'd have to pick up an extra shift at some point and so it's really

00:06:12

been it's really been beyond my own expectations too and I lucky but you know I've taken advantage of a lot of a lot of great opportunities too yeah thankfully Ramen is delicious so so let's just talk about sort of how you got to this point have you always been a financial adviser no I actually started out I I had no interest in the financial industry when I was coming out of college I I played college golf and had a pretty good career doing that enough where I I felt like I could give my

00:06:41

dream a go of playing the PGA Tour and so my wife and I we dated in college got married pretty soon after college and then just hit the road and tried to make it as a you know professional golfer so she caddied for me and I had to backing up a little bit I had to raise money basically to do that because it costs about 50 Grand a year for most people who are coming out of college who want to play professional golf W so you have to pay 50,000 yes so either the way it works is either you're you're one of the

00:07:10

best players coming out of college and then you can get some corporate sponsorship money or you have a rich family who can just foot the bill for you and and you know your mom and dad are paying for you or you essentially have to start an LLC sell shares of that LLC to people and they're basically you're kind of like a racehorse you know they're buying a share of your future profits essentially oh that is an interesting structure yeah most most players have to do that and that's what

00:07:36

I did and so I was really fortunate enough to get I think it was 13 people together who each bought shares and I had about 115 or 120,000 maybe to run with and that lasted me about four years and so we were on the road playing golf for four years or so out out of out of college so that was a that was a fun ride but along that way some of my my investors were people in the financial industry they were Commodities Traders and I just randomly randomly met them really so it wasn't any previous connection and it was really through my

00:08:11

association with them the relationship we built during that four years where I started to get interested in the financial industry in the in the first place so after four years you know when the time was you know ready for me to get a real job essentially and move on I mean playing professional golf was great but it's kind of like being in the circus in some ways you're different place every week and we were looking to settle down so basically I I went to them and said hey I think I'm ready to

00:08:36

move on I lost all your money I was gonna ask any Roi here no I basically lost all their money which is it's common like you know I I was I had really good people behind me who knew that this was not an investment where they were really going to strike gold they really just wanted to help a young guy who was trying to achieve his dream so I had enough money where I I returned a little bit to investors but I had enough money where I probably could have played another year but we decided to move on and that just started a process

00:09:04

where one of my investors really like you know he gave me the random walk down Wall Street book he put me in touch with a couple of his friends in the industry where I could pick their brains and he just told me he said you know I don't really know this that side of the industry very well but this is what it should look like and he basically described the the only financial planning model and so it was another three to six months or so of me interviewing at Morgan Stanley Marl Lynch and places like that and just

00:09:33

doing internet research before I really even found the F only space and so I was actually getting ready to accept a job at be which is located in Wisconsin it's you know it's kind of like it's kind of like a wirehouse but not quite as bad so but yeah it was through it was through that whole process that I found the Fe only space and and never turned back so did the guy the investor that gave you random walk down Wall Street was he a Commodities Trader yes he was a Commodities Trader some of them were

00:10:03

that is that is so ironic that's awesome I'm making a ton of money every year but don't do it this way that's exactly what he said he said he and he managed all his own money too so he he had been managing his own money for for 30 years essentially so but he said he would never do it with a client's money and so essentially they were exploiting an efficiency or inefficiency in the market that they thought would have closed you know almost right away but it it wasn't until

00:10:31

Dodd Frank that that inefficiency actually closed and they were unable to make money anymore oh wow all right so so you were interviewing at beard and then how did you actually learn financial planning like did you actually end up working at be or did you see sort of the other side of the industry in another way no I didn't end up going there the thing about it was I didn't want to go in and starting up my friends and family for for for money you know to be to become clients but it seemed like that

00:11:00

was the only way to get into the industry was being willing to sell things so you you were basically doing financial planning later and I didn't want to do that because I had no idea what I was doing and so I felt really uncomfortable with that Barrett at least had a decent training program and they they didn't have as high hurdles you had to meet as opposed to you know maril Lynch or Morgan Stanley so I thought it was the best option but that was when I started emailing people I found the FPA

00:11:25

started emailing people there and I just got recommendations from people there it kind of opened up this new network where I realized that I could go work for a firm and just learn and have no business development responsibilities and become a really great financial planner and so that became once I saw that as an option that became my next step it was okay I'm gonna find the best firm that I can work for and and really just learn as much as I can and not have any business development responsibilities and that's

00:11:51

that's what I wanted and that's what I found that's fantastic I mean how did how did you and your wife decide where you wanted to live was it just where family was and and going back home or were you just you just fell in love with the St Paul area well my wife's from St Paul and I'm originally from Massachusetts and so we were looking both St Paul and Massachusetts for the next step so you know we were getting ready to have start having kids or trying to have kids so we want to be

00:12:18

near near family and it just so happened that St Paul Minneapolis is sort of a financial planning Mecca you know there's just a lot of it really is a lot of good firms up here and there wasn't so much in Boston I mean the right as I was getting offers at firms up here I was just getting you know initial interview requests for the ones that had open positions in Boston and we we always loved it here so we we were kind of agnostic as to which which place we would want to move it really was driven

00:12:45

by where we got the jobs essentially when I have to say I mean you were you would have been quite the catch for Morgan Stanley maril Lynch just because one you can clearly hustle you hustle to to get funding for for playing golf you hustled in order to just learn about what financial planning is and you had an amazing network of golf buddies right that would just love to buy disability insurance from you and so do you feel like and I guess longer term do you feel like one that was the market that you would have been focused

00:13:15

on and has that been your market in terms of golf or has it gone a different direction well you're exactly right Maryland to Morgan Stanley even though I was contacting them outside of their training programs they kind of fast-tracked me because they they saw me as someone who you know could obviously raise money and had a network and I'm really kind of the ideal profile for what would succeed in their programs even though that was absolutely not what I wanted to do so I kind of played that

00:13:43

card with them to to get a foot in the door because that's that's what I thought was my only option so sure that hasn't to be honest that has not been a part of my marketing strategy with with my new firm if anything I've kind of downplayed the golf thing because there's so many there's so many financial advisers who don't do very good work for their clients and are at the golf course all day long and are great business developers and whatnot and that's just not what I wanted to put

00:14:09

off to people so people who go to my website you'll see something about golf on there but I haven't you know reached out to really a whole lot of people in my personal Network unless they've first Reach Out reached out to me so I have had people say that that should become a niche of mine and perhaps it will be at some point but it hasn't been so far yeah isn't that hard when you feel like your focus and your passion has been sort of spoiled I mean I feel that way about the industry as a whole that you

00:14:38

know thanks to a lot of Bad actors that you know when I say hey my name's Allen and I'm a financial adviser people like freak out and don't talk to me right but you know you're even further down that rabbit hole because I can see that I mean golf has been the place where you made deals happen you know that was where Business Development happens so very cool so did you so you found a fee only firm or a planning Centric firm I guess there Minneapolis so did you come in just pair planner associate advisor

00:15:02

type role and and start learning from the ground depth yeah exactly so I had two offers one was from a couple billion dollar firm a multif family office and really great firm and another one was from a small well not not too small it was two young guys essentially they had purchased the business from a retiring adviser and then they'd grown it since then and they were just both really really smart guys very aligned investment wise the investment philosophy became a driving Factor when getting into the industry because that's

00:15:35

kind of I read the investment books I didn't really know too much about the financial planning side at that point but essentially you know I took I took the job for 40,000 with a smaller firm as opposed to 50,000 with the billion dollar raia mainly because I thought these are the guys that I really want to learn from there's a lot of upside to working here the billion dollar firm it was you know 10 years before you're a lead advisor and I just wanted to get in there and get my hands sturdy and

00:16:02

learned as much as I could as fast as I could I already felt behind a little bit because you know here I was 28 years old completely shifting gears and I felt behind and I just wanted to go to a place that had the best opportunity where I could learn the fastest and so I took the job there and even though I mean it was less money but everybody just told me who was kind of advising me that don't just don't worry about the money go to go to the place where you think you're going to learn the most and

00:16:28

be working for the best people people and so that's that's what I did but lo and behold N9 months into working there the two partners said hey Kyle let's go grab a coffee and we we walk downstairs to get a coffee and the whole time I'm thinking uh uh oh what did I do wrong I'm Gonna Get You know did they not did they not think I'm working hard or I I thought I was probably gon to get fired to be honest but they sat me down and they told me that they were going to split up the partnership that they no

00:16:54

longer wanted to work together and so that meant they wouldn't have neither of them would have enough Revenue to keep me on and so I was essentially losing my job nine months into into working there and just had a baby so it was a huge shocker to me but ultimately from there one of the partners Joe pittle he wanted he was gonna basically go from there to start an Raa with his brother's accounting firm and I essentially nagged him to to take me with him even though he was only going to have about 180,000

00:17:25

of Revenue I told him I would work for 25 Grand and and that my wife would you know pick up an extra shift and we would make it work and so kind of crazy looking back on it and they they ended up getting me you know back up to the salary that I that I was making relatively quickly but I just thought it is a tremendous opportunity because Joe is just one of the best financial planners out there and I thought you know being able to be along his side starting a new firm being a part of it from the beginning was was exactly what

00:17:53

I wanted in the first place and so I ended up going with him you know well basically as soon as they were Reg registered we we started started that firm that's awesome So for anybody who doesn't know Joe pittel Joe is a boss there sort of there's more nuances in this but there's sort of been these like three generational phases of of firm owners they're sort of the old school who are sort of approaching retirement now they really started financial planning there's this very small middle

00:18:21

block Joe pel's in this you know judeu Dro like there there's a group in there that really from kit' era when he got into to the industry that that sort of went out and started their own firms with no resources there was just nothing out there for them and they just figured it out on their own and now we're sort of in that third wave I'll say that that XY plan network is a part of but you know to your point Joe and and that group they helped create financial planning but they really helped turn it

00:18:48

into a profession and and really helped create what what I'll call comprehensive financial planning or real financial planning now and you know I I think looking back it's easy to say this I guess but you know great choice following the best teacher where you can learn the most whether it's how to start a firm or just how to do real financial planning because that's going to pay dividends long term you know if you use your early career days for that because once you're you know I guess even your

00:19:13

age now with a couple kids and like you're not gonna go take a $25,000 job now right like there's a very short time window where you're willing to do that right yeah exactly and Joe's I cannot say enough good things about him I mean he's like I said as good of a financial planner as he is he was even better boss you know and I just saw that as an opportunity that I wouldn't have elsewhere to be able to to continue to learn from him and and you know just just be in every client meeting be a

00:19:41

part of every every single aspect of the business I couldn't I couldn't imagine having better experience you know over those three and a half or almost you know four or four years or so that that we were together and he's a great golfer isn't he yeah he is really good I mean we were basically we're almost like the same person in a way he he a good golfer you know we got along extremely well it was never really any conflict between the two of us we were just yeah very similar so talk to me about being a part

00:20:10

of a startup you know of a new firm getting off the ground but not as a Founder because you don't hear that a lot usually it's the founder you know toils for a couple of years and then brings on folks so one was that useful experience and two just like how was it I guess from your from your seat watching and helping this firm get off the ground it was amazing it honestly at the time I had no idea what Joe was going through I had no idea what it would what it really felt like to be in his position especially taking somebody

00:20:41

like me along with him and being responsible for someone like me when the revenue wasn't there yet so since I've I've had more of appreciation for that but but yeah I mean you're trying to figure it out all together and I didn't know what I was doing I was still less than a year into the business and so I didn't really know what needed to get done but Joe would just at things to me and tell me what to do and I kind of was learning on the Fly learning how to you know all of a sudden I was responsible

00:21:04

for the paperwork and you know we onboarded 80 new clients while I was there so in in two and a half years and so I essentially was in charge of that whole process so that Joe could be freed up to to do a lot of the higher level stuff and and Business Development activities so I mean I really just learned how to do great financial planning during that time behind the scenes you know I I I didn't really learn how to run a client meeting at that time but I was watching you know I watched Joe in every single one and so I

00:21:34

I in hindsight you know it it was just a tremendous experience but I wish I would have realized at the time just how how unique it was and how much Joe had really done for me to to give me that opportunity you know and it I mean granted like he didn't know they were we were going to grow that quickly but they did make a good decision early on bringing me on because they they really needed me so at what point in this process did you get your cfp well I did the two-year two-year apprenticeship because I was working so

00:22:05

closely with Joe so I think I actually got my marks in November or December of 2015 and I started in the industry in July of 2013 so I really I really was on the fast trck you know that whole time essentially after starting pitsel Financial in my spare time I was you know studying for the cfp and trying to get ready for that exam and it kind of coincided when I took the exam it kind of coincided with that two-year Mark so how did I mean you had a you had a little one your wife works you're working full-time how do you find the

00:22:42

time to balance and prioritize you know getting through the cfp education at that point it was awful it was terrible it fair enough yeah my wife was working she she's been working part-time so there was a little bit more flexibility there and we had a lot but we had a lot of tough things happen too you know like our our daughter had a really bad daycare experience and you know so we kind of ham and egged it a while but but yeah you know every day after work essentially leading up to the exam I was

00:23:12

I was studying for three hours I studied for three hours every day and your family just kind of has to eat that you know there's there's nothing else you can do about it and they just have to make do with with life without you I mean it was good enough I was able to be with my kids until bedtime but then basically after bedtime I was I was studying and there was not really much chance to to be with my wife you know so that was a really hard season fortunately a short shortterm one but still hard nonetheless so I and I

00:23:39

know there are a lot of folks out there that are concerned about it you know and and think like I just don't have the time and I get it but the pass rate for folks that are going through like you did is much much higher than folks that are coming out of college with a degree in financial planning is my understanding and and I think that's why I think because you know the last thing you wanted to do was have to retake that test exactly it's just so much energy and time so and I was really motivated

00:24:03

too because I knew that it was it was the step that I had to take to be taken seriously as a financial planner and to you know be taken seriously by Joe you know like I needed to become a cfp it was just the next step in my career and it was the biggest one and I just had to do it so you know and you don't want to you don't want to go through that process all over again by failing especially with young kids and whatnot so I was pretty motivated to to be one and done so so what was your next step did you

00:24:32

launch a firm after leaving pel Financial or did you take another another hop to a different firm no I started my firm from pitsel that was probably the hardest decision or one of the hardest decisions of my life to be honest I I worked really well with Joe we went from about $18 million under management to over hund in in two and a half years and I probably had the best associate planner position in the country you know it was just I mean basically Joe had said to me the next 100 million you're going to be

00:25:06

the the lead adviser on and you know we had we got from 18 to 100 million in two and a half years so it really wasn't going to be a huge amount of time that I would be lead adviser on a on a big client base but I remember being at a bar celebrating or reaching 100 million with the whole office and just wasn't very excited I basically had everything handed to me on a platter and I wasn't excited about it because it wasn't it didn't feel like it was mine you know felt like Joe did most of the hard work

00:25:41

or you know his brothers the the other partners and they didn't really need me to bring in business because it was already taken care of and once I became a cfp and once I actually felt really confident in my skills then did I feel like I could kind kind of tap that business development pulse that I had and so there was there was just something about I don't know it was a confusing time for me because I felt so grateful and loyal to Joe for everything he had done for me but at the same time

00:26:12

I had this itch this entrepreneurial itch and two guys in my Mastermind group Ben wask and and Daniel hu who are both XY members they had started their firms and I just was really jealous in a lot of ways a lot of what they had being in control and and kind of running their own show so it was really it was really difficult you know I don't think I would have made that decision on my own for another few years but you know there was there was an employment agreement that we that we you know we both need knew I

00:26:42

needed to sign an employment agreement once I started being the lead adviser and I just couldn't get myself to sign it even though it was extremely Fair agreement and I just felt like I just felt like I if I sign this I'm I'm really going to make things messy if I leave down the road to start my own firm and if I have the inclination to start my own firm I should just do it now as opposed to making it really messy for both of us down the road and so that was an extremely difficult time it was it

00:27:08

was it was I think Joe was hurt by it and it was it was just yeah it was hard it's hard to disappoint people and it was a big risk on my part too because it's one of my friends who's also a finiture planner said I wouldn't take lightly the fact that you're in a position to essentially be the lead adviser on having you know a 100 million of of investable assets kind of handed to you over the next two years don't take that lightly and and they they're right you know it was it was an

00:27:35

incredible opportunity but I just felt like starting my own firm was what was going to give me the most most amount of happiness in the long term and and more fit my my skill set as opposed to just kind of serving clients that were that were handed to me man I'm obviously as Pro starting a firm as anybody but if you had called me and told me the situation I'd been like what are you doing I mean it's it's so hard you know we joke about having to it's like getting out of a warm bed like it's so

00:28:03

comfy why would you get out you got out of a warm bed like outside the middle of winter and so which you know it's a it's a tough decision but but you had to make the right one for yourself and I think that is a decision that there's probably a lot of folks want to make but are really struggling so I mean was was there something that pushed you over the edge was it just like you just realized it was time because that is such a huge leap of faith it's not like you you had 100 million you were taking with you

00:28:33

like that I get you know it's you know that's a huge a huge push yeah really what it came down to is just feeling unsatisfied and you know I played professional golf for four years like I I have had a very competitive background where you know in terms of as a golfer I knew that I played my best when I had pressure on when I had my back against the wall if I just went out for around with my buddies I played terribly because there was nothing at stake and so that's kind of my like you a golfer

00:29:05

yeah exactly so I don't know I I feel like at that time I felt like there was no pressure on me and I I felt lazy because I didn't I didn't really feel very motivated and what I just came to realize about myself is that I do my best when there's pressure on and that's why I've always been a procrastinator all through my life is because I you couldn't get me to do something well unless I really you know came down to the wire and I had to and so the pressure that I felt over the last year

00:29:34

has has has been confirmation of of that I mean like I've having that pressure on me I've done really great work and I've I've worked more and I've been just so motivated to succeed in a way that I wasn't before because I didn't have to be now let me ask you the flip side of this question because it's just incredible how did your wife feel about you leaving a probably a well-paying job with the the keys to the kingdom right it's the golden ticket the opportunity

00:30:02

in front of you to take the risk go start your own firm I mean was that was that a tough conversation or or or I guess how did that go well she was been incredibly supportive she I think she knew because I all through all through this time we would talk about it and I think she knew that I ultimately needed to do this you know I think she she could see that and in our conversations and you know she was along to ride with me for the professional golf thing and that's a much much more risky Venture

00:30:31

than this was and so I think she just always always believed that I could do it and and like I said we had at the time she was you know staying at home with our kids and we knew that she could go back to work and if we needed to to get income we knew that I mean we both have wonderful families obviously you don't want to hit them up for support but it's kind of like well what's the worst thing that can happen the worst thing that happens is that we have to borrow you you know five or 10 grand to

00:30:59

to pay our bills from family and pay them back later so I don't know it didn't feel like that much of a risk in some of those ways I think she was really excited for me to have more control over my schedule and just be able to at least that's the way I sold it to her even though it's been kind of a hard first year but we have had a lot of things happen over this past year that the flexibility has been really nice to be able to dedicate some time during work hours and and I think she

00:31:23

knew that from the beginning that that was going to be better than it was before essentially so she yeah she was she was really great yeah a supportive significant other is critical I mean it's not optional if you're significant other is not supportive if your wife had not been supportive one I doubt you would have left to go start your own firm and two the last 12 months would have been completely miserable you need that support in your life so well I apologize for harping so much on that but it's such an awesome

00:31:49

story of of courage to be able to to take the leap that you felt was right despite the fact that financially if if you had sat down with a financial planner and said what's the best thing for me long term it would not have been to start a business right I it really would have been just stay where you're at make the money be happy but but that's not what would have made you happy so jumping into you decid to launch a firm well I guess the final piece how did how did the conversation with with Joe go in terms of you know

00:32:15

did you have the firm sort of ready to go and then have the conversation or did you have some phase out time and it sounded like you brought some clients over just talk to me about that initial sort of transition yeah I I didn't have anything ready to go because like I said I was kind of wrestling with the employment agreement I'll say it again it was a very fair agreement it was just I just had such a hard time signing it it wasn't like he put something crazy in front of me and so ultimately you know I

00:32:40

I I kind of came to the decision that I needed to start my own firm and went into his office and and told him that and I don't think he was expecting that and it was yeah it was really hard you know we there's a lot of Tears shed on my part just because I felt so sad about it you know I didn't I didn't want to have to do that you know and I knew I knew how much he invested in me and hoping that I would be there long term and so I felt really guilty about that but ultimately you know it wasn't the

00:33:06

kind of thing where I had to go clear out my desk and and be escorted out he knew that I had nothing ready and so and I frankly they they needed me to help transition as well because we were you know we only had we had just hired an admin and so it was me Joe and an admin that were actually working in the business and and that was it so I had to basically tie a lot of things up and make sure it all transitioned well and so I think I was there maybe three or so weeks beyond my actual telling him and

00:33:35

it was a tough it was a tough three weeks for the both of us I think but you know we were we were very cordial about it and and you know he he yeah the transition couldn't have been better I mean for from my perspective in terms of how how he treated me and and giving me everything I needed to you know to transfer he didn't give me a hard time about anything there was questions over like some of the clients that were there you know some family and friends and whatnot but even even though even them

00:34:01

like whether they were gonna actually come come with me or not but he didn't you know it wasn't like he was trying to keep those people who were basic you know basically their only connection to the firm was me but yeah that the clients were a little bit apprehensive about this whole thing yeah so I guess how much time did it you said you had three weeks so how long did it actually take you to get the firm launched then so that you could bring those clients over well I I left I think it was about a week after through

00:34:27

my last day there that I actually got registered so there was a bit of a a limbo period And so you know once I got registered all these client accounts needed to transfer I needed to get I need to get registered and then it's like a whole domino of effective things that needed to happen like getting on Schwab's platform getting you know all my systems and processes and things like that set up even just just the initial the things that I just I don't know I had no idea needed to happen that needed

00:34:54

to happen but yeah so that happened I got me or registered May 2nd probably I don't know two or three weeks later maybe Schwab or maybe a month later Schwab approved me to be on their platform and I was able to to move client accounts and just kind of yeah kind of went from there so you've had tremendous growth so 30,000 in Revenue to 330,000 in Revenue in 12 months so talk to me about one just where those clients are coming from I I guess you said you have around 40 households am I remembering that right

00:35:26

yeah I think it's 42 42 so where did you find you had five that came with you you now have 42 that is 37 clients so you have 42 ongoing clients yes yeah at six that came with me so I got really lucky and like I said one of the clients of my or I guess one of my golf investors the one who basically pointed me in the right direction he really he's he's just a wonderful guy who has helped out a lot of younger people does a lot of things to help out younger people trying to you know whether it's get started in the

00:35:58

financial industry or just you know want to achieve their dream of being a professional golfer he's just that type of guy and so he was a client with pitel he had a small you know has a lot of you know High net worth but he had a small amount of money with us and so when we transferred you know when I started my firm he was also shutting down his firm at the same time and so it coincided perfectly because I was able to provide a lot of value for him during that transition and I had all the time in the

00:36:29

world because I didn't have any clients and so it was through that process that he really I guess experienced all that all that I had to deliver rather than just managing a small chunk of his of his assets and so it was at that point that he started referring some people to me so probably I would say maybe a third of my revenue or maybe a little bit more than maybe close closer to a half of my revenue is from him and his his referr referrals so basically someone who really believed in me and believed in

00:37:02

what I did and saw the value in it started sending people my way and so that was really the first stage like the first six months or so was was onboarding a lot of people who had higher net worths and very complicated situations and a majority of my time was spent with those people but it it provided a great you know base of Revenue I think my Revenue run rate at the turn of the year was about 163,000 at 12:31 so that that first year was or the first six months or so was largely due to to this individual and the

00:37:34

referrals that he that he sent me of his friends and family it goes to show never ever ever be a jerk to people like always just be a good person network with as many folks as you can because you never know who's going to come back and help you like you had no idea when that guy helped you you know get get your golfing career started that eight years later nine years later that that suddenly he was going to to be a major imp have such a major impact on your business but it it just goes to show that just be a good person to

00:38:04

everyone that you meet which you should be anyway but you just never know how that's going to come back and help you it's a small world exactly yeah I mean I've tried to listen I mean he's one of those individuals who people really take what he says seriously he has a lot of credibility and and that's so I did you know I took everything he said very seriously and I implemented a lot of what he told me to do and so he saw me as someone who listened to him and and and respected

00:38:29

what he had to say and then all of a sudden you know these people from across the country who's who've I've never met in person still you know get in touch with me and and we begin working together because his recommendation is so strong so it's yeah it is amazing the power of a of a really highly regarded referral source is is amazing and you never know who that's going to end up being for your clients and I got like I said I got pretty lucky the fact that that I have one of those but a lot of

00:38:56

like at pitzel too we had we had a couple of those people and you never know who it's going to end up being but there's some people who are very you know very highly regarded or their opinions are very highly regarded and once they start telling people about you then it just becomes a a huge stream of of of leads so it sounds like for eight nine eight months six months you were just drowning in in leads that were coming over from from this gentleman and and onboarding them was it around the turn

00:39:26

of the year that you really started focusing on your own sort of lead gen activities and and bringing in clients yeah so it wasn't so he sent me maybe five clients so it's five fairly big you know High Revenue clients but it was because of that I had all a sudden Revenue coming in where I could start focusing on other ways to grow the business so that was one of the really unique things about my first you know seven months or so was that I had I had Revenue coming in through through him

00:39:55

and you know a couple other Avenue just you know personal Network outside of him but it was through that I was able to really look into okay well how do I how do I all a sudden become findable you know we live in the the 21st century people you know when I want to when I want to get someone to put it up a fence in my yard I go on Google and search for that or if I get a recommendation from a friend I will first thing I'll do is go on to Google and search for that person and and look at to at their you know

00:40:23

online profile so I did a lot during that initial phase which as you know doesn't have huge Roi in the short term but I just did a lot of work to my goals to get on the first page of Google for for financial planner St Paul or fiduciary financial planner Twin Cities or things like that so I was able to put in a lot of time an effort into into into getting there and right about right about the turn of the year is when that started to happen I started seeing a lot more leads finding me through online

00:40:52

search so I guess how did you invest in that I mean even if you have you know tons of money like where do you actually put the money and the time and energy in order to achieve that well I've never really spent a ton of money on it but the the money that I did spend was huge Roi and so I have my website hosted by 20 over 10 which I canot recommend them high enough I mean they really made the whole process of creating my site and doing it the way that I wanted really easy but they also have tons of

00:41:21

resources so there was a webinar called win local search that I thought was was really good and they have an SEO starter package which I think is $800 then a Google analytics pack package which was2 200 so those that's the only money I spent on it but is really just taking those principles and and which are you know the principles that probably have the most Roi and and implementing them on my site and gearing blogging towards those type of things and so I don't have I don't have a a defined Niche so really

00:41:50

what I was trying to do was was win on a local level and be for the those who are kind of in my region looking for what I'm doing I wanted to be findable and so and I feel like that can happen on a on a faster scale than than Niche marketing Niche marketing has obviously High Roi but it might take two years or so whereas I was able to get a lot of local search traffic in in about six or seven months by implementing a lot of what I learned from 20 over 10 so that sort of started ramping up in

00:42:22

January so did you close the year you said you got you you started with six clients you had five clients come over from that referring individual so that's 11 and you had a couple come from your networks so have you just had a big boom then via Google search this year I mean where are these I mean how are these clients finding you at this point yeah it's mostly mostly Google search or or you know Napa you can never quite tell where they're finding you I mean I have yeah in my questionnaire I I asked you

00:42:49

know whether they found me through cfp board search Napa just general Google search and you know you get some idea from that but at the turn of the year I all of a sudden had I think it was like eight eight people who were be you know in the middle of onboarding you know I I was kind of just sort of caught unprepared for onboarding that many people at that time and yeah most of it's through local search so all the growth almost all the growth that I've had since then this year so basically doubling in Revenue

00:43:19

since January 1 has been through online search I'm trying to think if I heard of anybody else that has had that much success especially that quick because I mean even no matter what you do Google search just takes time and two like Google is it's get their leads but I you know it's not like it's only for you know highly qualified prospects that are looking for financial advisor right like you're going to get a lot of flow that way so I guess talk to me about how you close a Google Prospect so it feels like

00:43:49

that's a it's a colder Prospect than you know someone who's you know getting referred over from someone that they trust so how do you get them through the sales Pipeline and actually get them to sign up for financial planning yeah that's a good question and I've had to refine my my process I've gotten really good at it obviously but when I started the the referrals were easy for me I felt like I could really handle those prospective client conversations well but the the Google ones or the just the

00:44:15

internet internet leads where they are coming in colder I was just burning them left and right and I felt super frustrated to the point where I reached out to Nancy Blakey and got some coaching calls from her and I I did her course as well in October and from that point on my closing rate just went through the roof I mean it was like I I think during the course I closed I think it was 11 of 11 prospective clients just during that that that course so it was a huge Roi for me I love ny's course but

00:44:47

that's insane so what what was it about the course and the education that allowed you to move the needle that far I just had no idea what I was actually doing in those perspectives their client meetings I mean fair enough I I've only i' had only been in the industry for four years you know so I wasn't really I didn't have those soft skills I was able to see you know those prospective client meetings with with Joe but I think I didn't quite realize what he was doing in the meeting and the effects the

00:45:14

effectiveness of certain things that that was happening and so a lot of my prospective clients me meetings early on were just kind of me talking at the client or showing them my software things like that but with Nancy I I realized okay this is not about me it's about them they're coming in with a problem and I need to identify those problems identify the opportunities that are there their wants their needs and then it's all about them and so it's everything that I need to talk about

00:45:40

regarding my own process needs to connect back to those pain points that they brought in and so having that framework and there's obviously you know you drill down further into that framework but having that framework in place all of a sudden gave me something to work off in these client meetings to the point where and I I I find my my sales process with her too in individual coaching calls where we figured out okay well what happens someone reaches out to you then what happens and then you

00:46:03

schedule a call and then what happens and then you schedule an imperson meeting and then what happens and what's the goal of each of these steps so once I got really clear on that framework things just started to happen and a lot of it is honestly just focusing on the client and not on yourself and and bringing out their their issues and connecting it to what you do and then asking them what they want to do next asking them you know how how does what what talked about fit into what you were

00:46:27

looking for and and letting them you know talk them into making the decision for themselves so can you talk me through your sales process because you mentioned earlier the one-time Financial plans are now sort of part of that sales process so you without going like we have to go super granular but you know just sort of what are the phases of that sales process and and how does the one-time planning fit in yeah so the one-time plan is out of necessity not out of want because a lot of the perspective clients that I get

00:46:57

through online search are looking for they've never worked with an adviser before so it's a huge decision for them to make to just say okay let's move your account and you're going to pay me x amount per year and it's gonna be an ongoing relationship I think that's it's pretty naive to think that you can close a client like that in one meeting you know where they're just meeting you one time it's getting married on the first day right exactly it's a huge thing to

00:47:21

ask ask people to make a decision for and so granted like a lot of them are coming to me they're just looking for a plan and they don't realize necessarily how much goes into Financial Planning and so we start with a phone call once we have the phone call if they seem like a good fit we schedule an inperson meeting and so we've had a couple touches before the inperson meeting through email and whatnot they come in the in-person meeting and we walk through how to I might address some of the issues they're

00:47:48

facing and essentially I say well we can get started if if you want to construct a one-time comprehensive plan we can do that get started depending on the situation you know there's a flat fee and so it's half of that fee is due upfront it's a two- meeting process at the end of that process if they decide that they want me to implement that plan for them then we would just talk about what that looks like and the second half or second half of that fee would be waved but if they want to implement it on themselves I'm

00:48:17

going to give them you know everything that they need to to implement it on themselves to make sure that they get off on the right foot and and have a framework to to kind of keep their own plan on track and so that's that's the process that I use I would say it's been more than 90% of the people that I do onetime plans for that I want to keep working with end up becoming a an ongoing client it's been there's been very few that that have not hired me to to continue to to work together on their

00:48:47

plan so what is your fee range for that one-time plan it's on my site so it's, 1500 for a single person 25 00 for a married couple if it's someone who's transitioning to retirement it's 3,000 normal complexity so there's some that have been a little bit more than that I have one right now that's pretty complex that'll be 4,000 but then again it's it's still you know my point in in those plans is not to maximize the amount that I that I charge but it's to one deliver a ton of value

00:49:17

for people who just want to take a plan and go run with it on their own but two to give people a clear sense of what it looks like to work with a fincial planner of this you know this caliber um someone who really takes that comprehensive approach and and provides proactive ongoing financial planning to free up their time and energy and you know provide that second opinion it just opens their eyes to to that what that would look like to the point where they have a decision to make it's well do we

00:49:44

want to say goodbye to Kyle or do we want him to be a part of our life so when you're selling this especially in that initial inperson meeting you say Hey you know we can do this onetime plan are you already talking about an ongoing relationship or is that not even discussed are you just focused on the one time initial plan or you focused on hey you know these are going to be the options down the road no I let them know the options I definitely let them know the options and say most and I kind of I have the framework but I

00:50:14

adapt it to the sensitivity of the client so if I have a client that comes in to me and they're ready to go like I've had one recently that I'm about to on board where they they knew that they wanted someone to manage their portfolio and be their planner and so we skip that whole process they don't pay that that onetime fee and so I have a sheet that essentially shows them the different service models we have the retainer model for for younger people who you know don't have a portfolio yet or or

00:50:43

much accumulated we have the onetime plan option and we have the the wealth management option which is investment management and and financial planning and so they know it from the start that those are the different ways to work together and I try to get I try to get their sensitivity of what they're looking for in that first iners meeting to see does this person really just want a one-time plan and completely averse to ongoing management or or is that something they're open to and and I just

00:51:08

kind of curtail the process depending on on what I find out so you go through the initial planning process you deliver the plan and then you say Hey you know I'm here if you want help implementing and you said over 90% close rate I mean so many advisers when even when we talk about things like content marketing like blogging and podcasts they say well I don't want to give away all my secrets you're literally giving away everything right like you're giving them the plan recognizing that the true value of

00:51:36

planning is is not in the plan it's in the implementation it's in the behavioral side so how do you I mean are you just like confusing the clients and overwhelming the clients into into hiring you are they just seeing like hey this guy's legit and and his smart knows what he's doing like what do you attribute that sign up process because I would expect if I was a man that that they would take the plan they leave they come back in 12 months and hire you not on the spot I mean that that I don't see

00:52:02

all that often well there have been some who've done that where they've they've wanted to implement on their own and then have come back later and wanted to become an ongoing client so that that does happen the sales process is much longer the way that I do it but because it's longer I think it is more effective and I have a higher close rate because of it I'm definitely not trying to overwhelm the client I I tell them I'm going to give you everything that you need to know and if you want

00:52:26

like the easy option versus the optimized option I'll map out what the easy option is for you you know going to going to betterman or going to Vanguard and just you know having a One Fund portfolio but I show them what I would do and and why I think it's better more optimized and so there's it's definitely they're getting to see just how much there is to that goes into this this financial planning process if they really want to make all the best decisions and maximize every opportunity

00:52:54

but I'm I'm definitely not trying to just overwhelm them to the point where they have to hire me because they feel like they're helpless without me I am trying to empower them but what I say to him is you know and I got this from from Scott Frank who I know has been on the podcast before he says you know I can't go to your son's baseball game for you I can't take your wife out to dinner or your husband out to dinner you know but you know if you want to be freed up and have the time to do those things and

00:53:22

have the brain space to do all those things then maybe it makes sense for to implement this plan so you can not worry about it you know and that's really the more powerful way to to sell financial planning than just confusing people with with your expertise I love it I love that analogy I can't take your kid to a baseball game and it's so true right that you know ultimately there are parts of this that we can Outsource but selling financial planning is such a challenge because you can't see it you can't feel it until

00:53:52

you've experienced it and sounds like your process is really working for helping clients actually experience Financial Planning and see like you said what all is involved because we say we do an insurance analysis but that doesn't mean anything until you've seen it you're like oh wow like look at just the comprehensiveness of just the insurance section which is just you know one8 of the entire plan yeah exactly so you are growing like crazy you came out to Boseman to hang out for accelerate

00:54:19

which was our our event in March where we talked a lot about hiring that was really the theme of of this event and I guess what did you walk away from that event and just sort of overall where you're at in your business because I feel like you have some some hard decisions coming up around what you're going to do because you're quickly approaching if you have not already slammed into the decision of do you hire or do you stay small yeah I that has been something that's been really hard

00:54:44

I've been working with Arlene Moss you know on on the XY team to try to figure out that whole hiring process it's hard because you know I could just stop taking new clients make a really good income and play a lot more Golf and you know kind of have a nice life but I I Know Myself and I know I would get pretty bored doing that and I enjoy a challenge and so I think I am going to you know continue to grow and that means hiring another adviser relatively soon I'm gonna been talking to a couple

00:55:14

people but I'm also going to put out a job description soon because you know quite frankly there's only a certain amount of spots that that I have to fill up or client slots that I can fill up and they filled up a lot quicker than I ever would have imagined but I need to I need help you know I need someone to support and then be a lead adviser relatively soon and so the the talk by JD Bruce that accelerate was so good just in seeing the different pain points that are going to happen down the

00:55:39

road and you know whether you're at a million of Revenue and three million or five million or 15 there's all these different pain points and at any time you can stop growing but you know I feel like I at least need to keep growing I'm not sure how far we're going to take this but I really want want another another planner I work best on a team anyway I really like being a part of Team it was it's been hard for me to mainly be by myself I have a you know a virtual par planer now Dan Keller me but

00:56:06

I'm looking forward to to growing and expanding the team yeah I was gonna ask so you do have a virtual par planner and and so you think your first hire will be a financial planner I assume to do the planning work or do you think they'll be doing some business development for themselves as well no I don't want someone who's coming in to do business development because it's the same thing as what you know me and Joe you know Joe the business development thing was taken care of they didn't really need that

00:56:29

skill set from me and therefore I left and that's kind of going to be the same thing for me like I don't need somebody who can be a business de or you know who wants to bring in a ton of business that that would be great but you know I need someone who can serve the existing business and the existing clients coming in so I I don't want to hire someone who's like me to be to be honest I don't want another me who who ends up going and starting their own firm in three years like I did so so yeah but Dan Dan

00:56:57

Keller Meer is my virtual air planner and virtual assistant he just provides so much value to be honest that I feel like I can hire an adviser next rather than a full-time office person he just gets a ton done in such a little amount of time that I'm able to really leverage that on the operation side and and actually you know my first full-time hire can be a revenue producing person rather than someone who's more operational or administrative absolutely I will warn you now that you've said it on the

00:57:24

podcast you're going to get a few resumes to your email because there are a lot of advisers out there that want to do the type of work that that we do at XY but they're they're either not ready or just don't want to be a business owner you know I mean there some folks just don't want to own a business and I get that there's no shame in that but they want to work for someone who's doing awesome work which you clearly are and and you know they they just want to be a great financial planner and and we

00:57:49

want to give them the opportunity to do that so be be prepared I guess how are you think thinking about the future of the firm because I feel like you know you're you've probably already started making some choices that are going to affect you longterm around if it was just going to be you and a part-time virtual pair planner versus growing a big business I I guess have you been making any decisions that you feel like are going to impact you long term and and if so how have you been thinking

00:58:14

about those you know just given where the business is at and where you want to go well from from the start I've really treated it like a business like I wanted to grow an entity and not just my own practice I you know I didn't name it more financial for that reason or I didn't I didn't really want my name to be a part of it you know I mean I I I have a really nice office space everything I've done is to try to look as legitimate as possible I think that has had a good impact too on on my

00:58:40

growth is actually looking like a like a successful business from from an outside perspective even though it's just me and so I want to I want to if you go down the road if you start and you and you charge too little and you treat it like a practice then you have a very hard time actually making it into a business or or a real firm you know but conversely if you have a high Revenue per client ratio and you treat it like a business you know you have a salary and you you reinvest profits and things like

00:59:10

that and try to have a profit margin that you're actually trying you know trying to achieve then you can be a business but you can always stop being a business and become a practice and so that's the way I've approached it I've really tried to treat it like a business and you know there's a lot of things that that go into that but I I've definitely tried to keep that option open of scaling up and that's kind of that's the direction I'm definitely going and I don't know I don't know what

00:59:34

would change that but a lot of people you know who start out charging way too little and have 40 clients and you know 50,000 of Revenue it's really hard to to actually you know hire anybody if you're if you're not charging enough no it's it's very true and I and I see both sides of that argument and I you know we definitely hear it of you know just people are building different types of businesses they live in different areas and that sort of thing but you make a great point that ultimately you have

00:59:59

more flexibility than most because you can go either direction and you have the revenue to support that and you know obviously some some personal decisions for yourself if you're willing to give up the income to hire you know counting on the growth and that sort of thing but really you know what is it that you're trying to build some people are just wonderful teams of one some people love teams of five and other people want to build an Empire and there's no right or wrong to that but you make you it's a

01:00:23

good point that ultimately you've actually set yourself up to make that decision without having to you know go back and raise you know triple your client fees in order to do so yeah exactly so the this hour has just blown by man you just have such an awesome story and and are just totally crushing it in terms of what you're building so I guess as as we're sort of wrapping things up if you look back over the last year really your career in general but also just starting the firm over the

01:00:49

last 12 months what would you say are some of the the the key learning points that you would want to share with others that are approaching this decision of do I want to start a firm or or maybe they've already decided they're in that launch phase what are maybe two or three you know things that you've learned over the last 12 months that you'd want to share with them that would help them succeed well it's hard it's hard to say in terms of whether someone should start a firm or not it really depends on a lot

01:01:14

of different things and like I said I just wouldn't have been happy regardless of how great of a situation I was in unless I started this business I know a lot of people are kind of forced into it because they couldn't find a great firm to work for but in terms of actually starting your firm I would say really invest in yourself I got that sales training fairly early on that was a huge huge huge factor for My Success so far so investing in yourself I almost didn't do it you know it was like 2500 bucks or

01:01:40

something like that I was like ah do I really need to spend that much money but the net present value of a of one client relationship in our industry is just so high that it really warrants us to be investing in things that are going to grow or give us an opportunity to create opportunities and then take advantage of those opportunities when they come our way so you know you have to spend money to make money so do do your best to to really figure out what it is you need to do to to have the appearance of of

01:02:07

legitimacy so that people are going to hire you and be able to communicate your value in a way that creates those opportunities for yourself that's awesome any other takeaways or we want to keep it at one oh well let's keep it at one I think that's all that's all I got you drained me okay that is it's awesome like you said I'm just so impressed with the work that you've done but but you make a great point that the decision to start a firm is very different right and and we've

01:02:33

been guilty of making it seem like oh anybody can start a firm this is a hard thing to do right starting a business and even even your story makes it sound easy and it's not okay that there this such a challenge and a difficult Road and you know it doesn't get any easier it gets different right you're no longer like okay well am I going to eat ramen noodles and does my wife have to pick up a shift but that doesn't mean the decisions around hiring and scaling and operations are any easier than trying to

01:03:00

go out and get those first few clients it just changes and some people love the thrill of that I was waiting for that when you were telling me about you know you're you know not wanting to sort of get complacent sitting at Joe's firm how in the world you were going to stay a team of one unless you had something else in your back pocket you were going to be working on because just some of us just can't stop moving which is totally fine so well Kyle thank you so very much for taking the time to come on the show

01:03:25

and share your story I know this is going to be a popular episode so I appreciate you coming on and and talking us through it thanks Alan glad you had me on and happy to answer anybody else's questions if they want to reach out to me too support for today's episode comes to you from ory advisor Services simplify the complexities of running an advisory business with the industry's most integrated portfolio management technology platform built to reflect your needs customized to achieve your

01:03:51

goals and delivered with a support you need to be successful get back to the business of serving your clients with technology that works for you learn more at Orion advisor.com be sure to join our VIP community at XY planning network.com viip to hang out with other xyp and radio listeners ask questions for future mailbag episodes with myself and kitus and to finally find a community of like-minded financial advisers thanks so much for joining me today we'll see you next time you're not alone and you're

01:04:19

not crazy it's scary starting building and growing your own financial planning firm and that's why we put together a free private Community just for you the cuttingedge financial planner go to XY planning network.com slvp or text xypn radio to 33344 and join a network of thousands ready to change the lives of Gen X and geny [Music] clients

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Featuring

Kyle Moore, CFP®

Quarry Hill Advisors

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