Heroes in Business - Carter Wilcoxson, Josh Manifold, Bringing Access and Transparency to Value-Driven Clients

Episode Date: February 28, 2023

Josh joined Compass Ion in early 2012, bringing with him over ten years of investment management experience. He began his career with Benkovich & Associates and spent the next eight years with Wells in this episode of the Health and Wealth Podcast Show.

Welcome to the Health and Wealth Podcast with your hosts, Tim and Carter. What's trending, enrichers? Carter Wilcox, founder of CSI Financial Group here with my co-host and former wealth advisor, Tim James, founder of ChemicalFreeBody.com and your new health advisor. This is the show where we reveal the connection between physical and financial abundance. Hey, welcome back in Richards, Carter Wilcoxon, coming to you live post-Easter. We just had that for those of you who are listening. Obviously, this comes out later on down the road, but Easter weekend, Good Friday just happened. Hopefully, everybody had a great one and everything. And I, of course, am joined by my fantastic co-host, Mr. Chemical Free Body himself, trying to look like me with that growing that beard out, Tim James.

How are you? Yeah, the beard's out. So, yeah, I went and saw my mom, my biological mom. I was adopted. I met her when I was 21 and hung out with my sister-in-law and my three nieces for Sunday for Easter. That was fun. Played Monopoly for the first time in, dude, like 30 years or something, 40 years. I don't even know. It's been a while.

You know what's interesting about that is that uh you know during covid you know everybody did a little bit of different things when they were you know uh at at home we actually watched a lot less tv and we started doing like game night so we played uh you know monopoly sorry um but we really got addicted to have you guys ever played skip boat sure okay so so skip boat is like like the family like favorite like even when we went on family vacation we took it with us we went to newport beach over the summer last summer and everything um but it's uh it was just great to like sort of bring the family closer together because you know a lot of families got torn apart during that time.

And, you know, we wanted to take the opposite tact. And and I believe that's what we did. So anyway, and Richards, we are super excited. You might have heard our guest today, Josh Manifold of and I don't know if it's Compassion Advisors. Is that what it is, Josh? It's Compass Ion Advisors, but every now and then we'll have a client that catches. It's a play on compassion. So you're right. Yeah, yeah. Well, it was interesting because I just caught it today because I always do this for Tim. He's like, hey, make sure you put the About page in the chat box and everything.

And I'm looking at it, and I'm like, Ion Advisors. I'm like, oh, I get it. It connected. I'm like, okay, so it's a total play oh, I get it. Like, it just, it connected. I'm like, okay, so it's a total place. Like, Compass, okay, you're an advisor, right? You're guiding people. And it's like, but then there's Dash and then Ion. Compassion.

Yeah. Pretty cool, actually. Yeah. So. I like it. Yeah, I like it too. So I like it. Yeah, I like it, too. So here's what I got to do for Easter as I'm as everybody's like probably had a great, good Friday, you know, happy Easter and everything. And hopefully everybody did get a chance to spend some time with family and everything.

I got to actually move my family. We moved homes during the weekend of Easter. So I'm trying to catch up and get my bearings back after a four-bedroom home, moving from one place to another. My wife's like, never again. We're never doing this again. So that's what I got. How many books and how many magazines and how many game consoles, right? You question every single article of clothing. Does it need

to go with us? Oh my goodness. And my wife is, thank God, she's like the purger of the family, right? And like when we're, you know, spring cleaning, she spring cleans on a weekly basis, it feels like, right? And so we've got this standing rule that if she throws something away and I don't recognize or notice it or whatever, she goes, if you ever see something that you don't have anymore, like, hey, where is it? She's like, I'll buy you something new. She's like, so if you don't know what's going bye-bye. new. He's like, so if you don't know, it's going bye-bye. And it's funny because my co-host, Tim James, we were just talking recently on a podcast and he was talking like becoming more of a minimalist. So this purge really like helped me to start embracing the whole minimalist campaign, if you will. So I don't know if guys uh subscribed or josh if you subscribe to that

or not but it'll definitely help whenever you make a big family move yeah i mean think about the number of articles or uh you know pieces that are out there that talk about experiences right over you know possessions so i'm with you try and join that club as regularly as possible i don't know if there's actually such a thing as a happy hoarder. Is that even possible? I don't know. I haven't seen one yet. They're usually kind of, I don't know. They're just not happy. That's what it boils down to.

They're holding on to stuff, holding on to stuff, and it gets in the way. When you open up a drawer and you can't even get in there and stuff's falling down on you when you're trying to get it or you're trying to look if you if you find yourself looking for things for over and over again you can't find it and you go buy a new one then you find the other one a week later and then you and then you need it again six months later and you can't find either one of them you got to go buy a new one then you find the other two you might need to purge a little bit. Yeah, there's no doubt. It'll be good for you. It'll be good. You know, when I help people with their health, man,

it's like I come into people's homes and help them. They think that it's like, oh, he's going to help me with my diet and supplements or something and detoxing, right? Which, of course, we're going to detox the body, but part of your body is it's the environment. So we want to detox. We detox the home. I go to the refrigerator we pull

out a big garbage can and we just start tossing shit and then no no i'm like hey i can leave like i don't need to be here like i mean look you you don't have health i have health listen to me when you're healthier than me then i'll listen to you that's what it boils down to and um you know you got to clean that crap out and then we go to the pantry start throwing out i think usually what we do is we pile it up we take a photo of it and so what ends up happening is as that crap leaves the house it's also you're detoxing your environment you're actually detoxing your uh emotional and spiritual components because it's it's freeing you up it's freeing up space you're not so clogged down. People feel lighter. Everybody always tells me when they detox their home, we get done with it.

They're like, I feel better. I feel better. It's really about having that high-quality environment and that space to thrive. Yeah. Yeah, it's awesome. So, hey, enrichers, we're very glad that you're here. And thank you again for joining us for for another episode. But let's go ahead and get into the backstory for Josh Manifold on, you know, what brought him into the financial services business and and basically having that heart for wanting to help people,

which obviously based upon the name of the company that he works with and or for, you know, having some compassion and having a compass as an advisor. So so go ahead and share with us, Josh. You know, how far back do we need to go on maybe an early influencer? Was it something that, you know, you grew up in or was it like during school or whatever? Share with the enrichers, you know, what brought you into this into this great organization in this? Obviously, this great environment of financial services? Sure. I mean, I think that one of the things that shaped me was obviously my family. So my parents were both first-generation college educated. My dad is around the age of 30 diagnosed with multiple sclerosis. So you think about, you know, kind of the family that I

was born into, there's a difference between, I'd call it expectations, and then what actually played out, right? So my parents thought they were going to be, you know, young, healthy, you know, they wanted many kids. My dad was in a management track of a large Fortune 500 company, you know, every couple years relocating for, you know, job promotions, and then all of a large fortune 500 company uh you know every couple years relocating for you know job promotions and then all of a sudden starts having some double vision uh and you know kind of just you know gets a diagnosis that you know the rugs pulled out from under that you know single diagnosis you know changed what our family was you know i'd say capable of um from a you know looking back from a financial standpoint um you know, I'd say capable of from a, you know, looking back from a financial

standpoint. You know, he didn't die, so there wasn't life insurance. They were, I'd say, underinsured from a disability standpoint. And the hardships that were then experienced, because my mom then had to go back to work, so she becomes a french teacher at some public and private schools but the financial implications of that were huge um you know early retirement that was forced upon my dad because he lost the physical verbal capabilities couldn't drive um like my family went through some significant hardships i was on free reduced lunches as a kid um so we i was receiving a lot because my parents were a part of a very unique, always were just community of friends that cared for them. One of my, you know, probably best

childhood memories is we went to a Christmas Eve service and we come back from the service and walk, you know, we use the back door, the porch door to get in and out of the house. And while we were at this church service, my parents, friends had basically put Christmas out on our back porch. They knew that my mom and dad lacked the financial resources that year to kind of give my brother and I the Christmas that every kid dreams of. And we turned the corner. My brother and I look at each other. We're ecstatic because it's Christmas Eve and, you know, porch, I'll use the word, full of Christmas gifts. But what I learned years later is, again, my parents didn't have the resources and friends stepped in and helped. So I think watching, or I'd say from my point of view, being on the receiving end of generosity,

watching commitment and friendships play out. Not because my parents were, you know, like, hey, let's go vacation at the islands together. My parents and our family were like quite literally in need of, at times we had friends that, you know, let us use their vacation homes at times. And that was the only reason we were going on vacation was because it was free. My parents had needs where it was, you needs where a car broke and they couldn't afford to fix it. We had family friends that literally gave us their car to use. My brother's braces were paid for, not because my parents had saved money and had an HSA, but because a family was willing to step in and say, you have a need, we'll help. So there's just lots of these stories where I was on the receiving end of generosity.

And it kind of plants a seed in you when you see that from a young age. Yeah. So it really does give you a unique perspective. So your dad diagnosed with MS at 30 at that age or at that time. What is your age? I am not born. But it changed the trajectory as far as the number of kids they wanted to have. Gotcha. That's why, you know, I've got one brother who's five years older than me and that's why I'm the last child. They kind of said, hey, if this is what life is going to look like, how responsible is to bring more kids in the world? Wow. So so then so seeing that, you know, obviously the generosity, that's that's phenomenal.

And, you know, zero expectations for Christmas time. So you're blown away, you and your brother. Yeah, absolutely. Yeah. So that is I love hearing those types of stories. And then so where did you grow up? Did you grow up where you're at now in that in that Philadelphia area? Yeah. Great question. In the Philadelphia area, you know, unique situation in that we had one acre that was kind of like, again, because my dad wasn't mowing the yard. My brother and I were, you know, mow the grass, cut the yard, you know, did our own laundry, you know, learn to cook meals one day a week. Like we had all these lists of jobs, responsibilities in early elementary school. jobs, responsibilities in early elementary school. And then we had a back acre that was all,

you know, like I'd say, you know, trails and paths and, you know, go make mischief and go have a bunch of fun. So it was, you know, kind of close enough to Philadelphia to get some of the, you know, access to urban environments and all the arts and stuff like that. But then also, I'd say suburban enough where you kind of had your own space and could, you know, play with the neighborhood friends and do all that kind of stuff from a growing up standpoint. Gotcha. Awesome. So, you know, a lot of the, this tends to be a theme again from the advisors that come on the Health and Wealth Podcast. Did you play sports growing up, you know, you and your brother? Yeah, sports were a huge part. I mean, at that point, it was all, you know, I'd say backyard and neighbors. It was kick the can. It was, you know, wiffle ball. today? Are we playing wiffle ball? What are we doing? Let's go have some fun.

But, yes, sports were a part between middle school, high school. You know, played some lacrosse in college. So there was that kind of team, that coach, that, you know, kind of that, you know, that effort, if you will, that sports draws out of you in the best of ways. Yeah, yeah. And that's pretty normal. I mean, it seems like, I mean, Tim and I both, you know, we we played baseball. That was our sport of choice, you know, growing up and everything. And, you know, Tim being a former wealth advisor now, you know, a health advisor and everything.

It's interesting. It just seems like people who get into this type of industry have played some sort of, you know, usually a team sport. Right. Very, very rarely is it golf. I got in there, Tim. But you know, which tends to be, I didn't know this. So my son started playing high school golf this year as a freshman and he made the varsity team, but I didn't, I, you know, I played golf. That's why I moved out to Phoenix, Arizona. And it was for me always an individual thing. Cause I didn't play it growing up. I played baseball team sport,

but I didn't realize how much of a team sport it is whenever you play high school or, or, uh, collegiate golf. So, um, it's, it's, uh, it's a very much a team sport. So it's individual. And then also there's the, the team can win too in tournaments and stuff. It's the combined scores of the team. I imagine just like wrestling. It's kind of like that. You have, everybody can win on their own or lose and then, but the team can win too in tournaments and stuff. It's the combined scores of the team. I imagine just like wrestling. It's kind of like that. You have, everybody can win on their own or lose and then, but the team can win.

Yeah, for sure. Yeah. And in fact, I didn't think about that. I always think of like the other sort of individual sports like tennis where you're competing against, you know, one other person or whatever, but, but yeah, wrestling, I mean, that's, that's completely individual. I mean, ain't nobody going to help you. Yeah, yeah. There's definitely no help there for sure. There's two ways out.

You get pinned or they pin you or the time runs out. Yeah. Three ways, I guess, three. There you go. That's why I'm not an advisor anymore, Josh. I'm not very good with numbers. Just kidding. There you go.

So you ended up going to college then in the Philadelphia area or where, where did you get your. Yeah. Cool question. Ended up at that point, my parents had moved to Maryland and finished high school there. And through a friend of a friend that ended up having a guy reach out to me was part of this kind of like,

I'll call it mentoring program at my high school. And reach out to me was part of this kind of like i'll call it mentoring program at my high school and he came to me said hey i have a friend in new jersey who helps people when they have unique financial needs and he said i'd like to introduce you and your parents to him because he might be available and interested in helping you go to college because this guy had already asked me like how are you going to college. Because this guy had already asked me, like, how are you going to college? He kind of knew my family circumstances that, you know, my parents were trying to survive. They did a great job of teaching my brother and I, you know, work hard, save money, live below your means. Like, you know, we got that. But we didn't have conversations around, you know, how to invest and what to do with one of your three, four, or five trust funds.

You know, those weren't exactly the conversations around our dinner table. Sure. So, you know, going off to college was quite literally a matter of, you know, obviously where you can get in. And then secondly, very quickly, you'd have considerations for what can you afford? You know, basically the question was how much debt did I want to take on to get this thing called an undergrad degree? So my friend introduces me to this guy in New York. We go, we take the train up to his office. And again, this is how ignorant I was

coming out of high school. I go to a corner office in Manhattan at a very large mutual fund complex and go to a corner office. Well, I didn't grow up around a dad that was professional. So I didn't understand. I didn't have a reference for the corner office, right. Yeah. So my friend and I walk into this office and like, tell me your story, what's going on, what are you trying to do? So I just kind of talked

to him about things I'm interested in where I'd like to go to college. And by the end of that meeting, he basically says, well, I'd like to help you. And just to be very specific, wherever you can get in or wherever you want to go to college, like I'll foot the bill. And so as a, you know, at that point, 18 year old, you don't really understand, you know, the gravity of, of that decision or the selflessness of that decision that someone else is making quite literally a stranger, you know, other than a mutual friend that we both share. So the reason I went to college is, or the reason I went to the school I went to is because it was affordable, because this gentleman was willing to quite literally stroke a check for tuition payment. Interesting, I kind of,

a little side note, I ended up keeping some of the debt for myself just because I did not feel compelled to have someone else pay for it. Like I think my parents had ingrained in me, you know, hard work and effort. So between paying for some of it because of my summer jobs and then, you know, taking years after graduation to pay off some of the debt, it just felt like something that was the right thing to do. So it was largely because of this, you know, very kind man that paid for my college, but it was also through some of the, you know the sacrifice of parents and my work. So go to college. I'm finishing college and I'm walking past my lacrosse coach's office. He says at that point, I have a big goatee hair down my back, long hair down my back.

And he goes, points me and he goes, how are you going to get a job? Like just the most pointed, direct, slightly skeptical question. I said, no, I got this internship at a bank. I really like it. And I think I'll be good because you just need that first little, you know, resume piece. And then you can kind of use that as a platform. So he goes, well, you need to get my wife's job. So literally in that moment, again, I'm just randomly walking down the, you know, the office, the hall, and he picks up the phone, calls his wife at his, at her office and says,

Hey, can you get Josh an interview at your firm? Cause she was pregnant with their third child leaving. And he knew she was going to have a succession plan in place. So over the next three months, I get a job or I get interviewed, finally get the job. Funny thing is I'm there like six or nine months. And I go to my boss who owns this firm this wealth management firm and i say hey his name is jack i say jack thank you for not forcing me to you know shave my goatee and cut my long hair in the interview process because at that point my girlfriend who's now my wife kept saying like you might want to you know cut the hair you might want to look a little more respectable get professional kind of thing so i go to jack and i say this and jack goes oh josh i should have told you your hair is short. My son has hair down to, you know,

points to much longer hair than what I had. So it all worked out. But yeah, that's, I, that's, I got into the industry, not because I had an understanding of finance or econ. I got into the industry because someone was willing to take me under their wing, teach me. And for Jack, it was a second career so he had it was one advisor and nine support staff so very early in my career i you know saw the i'll use term the sales portion of the industry and this guy was very clearly in the service and planning side so i'm i'm really lucky i'm really glad that i kind of saw the advisory the planning side of the industry in that first job. Wow. So now the relationship with Jack then was formed just by happenstance. Yeah, absolutely. And then from there, it was all apprenticeship. I mean, I was there for two

years. I'll gladly say this. My first job, I was making $28,000 a year. I'm not that old, but I was living in this, you know, in central Pennsylvania, so lower making $28,000 a year. I'm not that old, but I was living in this, you know, in central Pennsylvania, so lower cost of living, but it was a complete understudy role just to say I needed to learn some hard skills. I got all my licensing. I got everything, you know, kind of done and out of the way and then learned what this man had built from. Again, you've got one advisor and nine support staff. The guy was a machine and I'm forever indebted to his you know skill set and philosophy yeah so so pretty much priceless experience right i mean yeah the simple fact that you're making money was good enough for the value that you got for the training the hands-on the experience on being able to not only you know work with those clients

that i'm sure to this day, you incorporated the things that you learned from that early stage of the financial services industry. Is that fair? Yeah. I mean, think about, we, we all know that this industry, when you're young, you know, most sales environments or sales cultures will say, write a list of a hundred people that you know, right? Let's go to your neighbor, your neighbor's dog sitter, your, your T-ball coach from third grade, you know, and let's go hawk some product and sell some stuff to them. And I didn't spend any time doing that. I didn't have to kill relationships, right? I didn't, I didn't have to be the sales guy and have to be the closer. It was literally just offering a service because I was

part of Jack's team. He was the one with the skillset. He was the one with the relationships. And I was just playing the role that Jack asked me to play. And that was a wonderful understudy or apprenticeship. You basically got paid to get educated, which apprenticeship is a very powerful way to transfer skill sets and where we've gotten away from that and i think with uh you know what the college is being becoming so corrupt and not really even teaching much that's viable unless you have a specific thing that you're going to do um i know like my son went to ufo for a couple years and he's like this is stupid i goes i'm just gonna go start making money and i stop racking up bills and stuff like that but i i did notice one thing that's really exciting to me um josh and your story because you keep talking about like well these people just kept coming into my life and and then this happened

and you know people were showing up and there was presence and then i got a scholarship and then the the my coach and this job and all that stuff and and i've tuned into my spiritual practice last since 2018. And what I've learned is that there are many forms of abundance. They don't have to be just financial. But financial abundance is one valid form of abundance right now. It really is. But just being in the right place at the right time and gifts that can come in and houses that you can stay at, at right just hey go stay at the house you don't need to own a house i've experienced these things myself

um you know many many times and um as i've been you know when i was struggling building my business i was like in my goals are like yeah i want to have um i want to have an infrared sauna and i want to have a hyperbaric chamber in my house some of my goals long term but a long time ago were like i want to have this stuff in my home and when i moved out of this one place i had i had the sauna myself but i sold my sauna but the places that i went to help other people heal themselves i've been on this like sabbatical for three years the last house that i'm in right now um you know i have my sauna here but she ended up uh buying a hyperbaric oxygen chamber and then i got to use it right yeah before i had the cash to

do it so it's just like you don't always have to go buy stuff yeah it can come and i believe that when you're falling so i'm just going to take a guess here, but I know I'm already right, which is you were probably pretty happy growing up as a kid, weren't you? Oh, I mean, you think about, you know, free time. You think about, you know, what was fun. Absolutely. You were just doing what gave you the most excitement and joy, right? Completely. Yeah.

Whether it was, you know, rec soccer on Saturday, and then that ended and you ran off and played basketball with all your buddies from elementary school. And then you went off and played, you know, rec soccer on Saturday. And then that ended and you ran off and played basketball with all your buddies from elementary school. And then you went off and played, you know, lacrosse next season. And then you, yeah, all those things. That was complete contentment, joy, and fun. You're absolutely right. Right. And when you follow that thread of excitement, that's how this stuff lines up listeners. All right. So we're going to take a quick break in Richards. And when we get back,

we'll get more into like what Josh is doing with his clients right now to help them keep their money safe and secure and growing. Estate planning. What does that even mean? When the inevitable happens for everyone on this planet, your estate plan kicks into action. But first, let's start with what an estate is. An estate is simply everything you own. What an estate is. An estate is simply everything you own. Now, here's the issue and what needs to be understood when this event occurs. You only have two choices on this plan. Number one, either you plan how your estate gets handed out and distributed to those you leave behind.

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and rest assured that our team will be available to you all along the way and at every step. Welcome to eStatePlan, home of the last estate plan you'll ever need. To learn more, make sure to reach out to your local advisor licensed with us, or go to our website for more information. What's up, Enrichers? Tim James here. I'm back with my co-host, Carter Wilcoxon. Today in the house, we've got Josh Manifold from Compass Ion Advisors, or he's a very compassionate guy. Compass Ion spells compassion. It's pretty cool. We're going to talk about that a lot today because Carter and I think it's cool. All right. So, Josh, you're an advisor now. You're seeing clients. You're helping them.

What is it like? What's your niche? What are you doing to help people from start to finish? Yeah. Great question. We've built a firm. I'm, again, a benefactor of, I'd say, you know, of long-term generosity. Four guys founded this firm about 20 years ago. And over a number of years of either just retirement or kind of partners moving on, my current co-owner and I are the two that kind of own and lead and run our firm. So what do I do now? I've got responsibilities for running and operating the firm. We operate as an RIA. We're a fiduciary for families. And I still have client responsibilities as well. So we're working with a variety of entrepreneurs, retirees. I would say, honestly, we don't have a niche, which is kind of the beauty of what we've been able to, I'd say, achieve and offer to a wide variety of families with complex situations, different seasons of life with different expectations, all with sometimes just different problems and different pain points in their in their finances and what they're trying to accomplish. So, you know, in the day and age where everybody's saying this is their niche, they work with, you know, left-handed underwater basket weavers that were born on Thursdays. I've seen some pretty

unique niches, like we don't. So, so that's been a real, from our point of view, opportunity for us. You know, I also like on your website, I was looking under the about us page. Usually it's like, you know, Josh Manifold, principal, you know, Matt Cain, president, you know, just naming off a few people. But you guys have a difference. It says Josh Manifold, adventure seeker, father of four, principal. Matt Cain, soccer and fishing addict, father of five boys, president. So I just thought that was a really cool. I like that a lot.

I might because I do that, too. I might on my thing. It's like, yeah, CEO and founder. But it's like, you know, I'm yoga instructor, um, chef and learning guitar, you know, it puts the realism in the, in the person rather than just being some, you know, stoic, boring figure. You get it. Yeah. You know, and, and Josh, I do, I love that as well, you know, um, because here's the thing. I don't know if all too often is the right thing to say, but but very often what ends up getting lost during, you know, from a financial advisor's perspective is the fact that you're dealing with human beings. Right. And you are dealing with relationships.

And, you know, you mentioned how you work with like people that have this these complex situations well guess what everybody's situation is complex to them yeah they're like i need guidance i need help right but but at the end of the day and this will never ever change and the reason why we love having our guests come onto the uh onto the podcast so you can be able to share this with your you your current clients or prospective clients or whatever, is people do business with those that they know, they like, and they trust. What's really hard to like and trust somebody if you don't know them at all, right? And so in that same vein, the relationship and that perspective, and what I love about how you're

like, we don't have like a niche. Like I would venture a guess that you like to work with people who you like to work with and vice versa. Is that fair? I mean, guys, our website filters out, you know, a certain, you know, personality, right? Either one, if you're looking for some, I'll call it, you know, you know, performance based outcome. Right. Like you're not going to really be interested in in our services. Right. We're advice and we're planning based. OK. The other side is if you're looking if your personality or expectations are you're looking for someone who tries to communicate ego, tries to communicate I'm

the smartest man or woman in the room that's not our mantra right so there's there's a curiosity there's a natural humility to you know let's build a team around you right our CSRs our planning department incredibly wise and competent human beings, right with their own stories. And at the same time, we just kind of lead with curiosity and say, we just need to understand who you are and what you're trying to accomplish. Most people can very clearly say what's wrong with their relationships, and or their relationships with money. And I think that's an interesting concept that we try to unpack through understanding mission, vision, values, and goals for the families that we serve to say, where are you at? Where are you trying to get?

And what are some of the roadblocks or what are some of the reasons you haven't gotten there? And we've got stories as far as, I mean, last year we had a tech firm. The founder sold his business. The founder sold his business and somewhere around 60 days before, you know, basically with the advice that we were going through, realized he wanted to sell a portion of the business to a donor advised fund. So we basically turned on a dime, you know, created, I call donor advised fund, got all the tax benefits, the CPAs on board, checks all the boxes. Why? Because he valued generosity and said, what do I do now? So we did an RFP with four different donor advised fund platforms and got the job done in an efficient manner where he was focused on the legal and compliance side. We handled all the finance stuff to get it done in the last second.

So you're absolutely right. We're at a season where it's really nice to kind of select and choose, you know, what are the personalities? What are the circumstances? What are the goals that are these prospects or someone who's interested in working with? What is it that they want? Let's make sure we understand sure we understand fit, uh, not just you have a pulse and you have a dollar. Yeah. Yeah. So, um, and I, and I know that, uh, pre show and everything, when, when we were, uh, chatting, you said that you got a chance to, uh, listen to a few of the other podcasts and everything. And, and one of the things, so, so Tim has what he calls his core four.

And then I have as far as like my own bit of takeaway or, or my, my knowledge that I'd like to share is something that I call creating a four, a client and the four A's stand for something specific. Right. And it goes right in line with what you're talking about, right? So in order to grow your practice, you want four A clients and as many of them as you can get. And the four A's are this, those who have the right attitude, who have the right aptitude with the proper amount of assets, who can become advocates for what it is that you do, right? So that is the recipe as far as if you can

i'm generalizing here now if you can create a lot of those 4a clients they become an advocate and a raving fan on you know you they're ultimately going to attract for you if it's a 5a client they're going to attract those same types of individuals that they surround themselves with, right? So if you can multiply and duplicate your top 10 households you work with every single year, year in and year out, it's impossible to not become successful. Yeah. And love what you do. Completely.

Yeah. So, Tim, what do you think about that? It's just amazing. Makes sense. That's what people want. Yeah, so I did notice, and I'd like to get your take on this a little bit because we throw around that word fiduciary on a regular basis, right? And I get it. We want to, you know, Fisher Investments fiduciary, Schwab fiduciary.

It's like we beat this fiduciary thing to death and everything. But what you do and why financial sources is interesting, it's really impossible to not do the right thing for your client. You can't be successful in this industry by not doing the right thing for your client. But I am interested on how you marry, because I noticed on some of your licensing, you're a fiduciary, RIA and everything, but you guys also deal with insurance and things of that nature. So you've got some commission stuff, but also some fee stuff also.

And I'm just wondering how with your clients, how you help them understand the value and the benefit of having those two different mindsets and solutions simultaneously. Yeah, great question. From our point of view, the vast majority of our revenue is from the fee based side of our service offering and source of revenue, which is single singularly from client fees. We in the past, there was not a 529 RIA option. There's a plan out of Utah that had reached that is recently converted and is now has RIA compatibility. We actually then as a firm, once we switched from our brokerage based or commission based 529s, because that's all the industry was offering to Utah. We then looked at the revenue, looked at our clientele and said, you know what, this is an opportunity for cost savings. So as a firm, we no longer build on or charge for 529s.

So from our point of view, we found an incredibly competitive offering within that plan. Dimensional, Vanguard, PIMCO, fund offerings, incredibly low fund offering or plan administration fees. So our brokerage side or our commission-based portion of the business is for the occasional form of life insurance, but typically we're outsourcing that. We have a list of partners that do a great job on the life insurance as there's an annuity or some type of an income

option. If that's something that is needed and called for in the lens or through the lens of a financial plan, then that happens. But there's such little, I'd say, commission-based or broker dealer-based business. It's kind of hard to talk about given the grand scheme of where our true revenue as a firm comes from. Yeah, sure. So it, but you understand being in this industry about the importance, obviously, for households to have, I mean, you were talking about like with your dad, right? He didn't die, there wasn't a life insurance, but that's a critical piece of the equation to, for, you know, critical piece of the equation to for you know for the unintended or for the things that are unforeseen right i mean so you know as a as a fiduciary as a as an advisor the importance of that as being part of an overall portfolio of someone's protection you have to i mean guys you know we we can sit here and talk finance all day because it's what we are either curious about or it's part of our job.

But I know and I regularly sit with families who say they are overwhelmed. It's complex. It never makes it to their top 10 list of things they want to do that day, that week, or that month. And so it's literally like they come to a meeting, but it's almost like they're kind of dragging their feet going, I'd rather be doing 100 other things. But they get to a certain point, and that's usually some form of an intersection. Could be the death of a parent, right? Could be a divorce. Could be a retirement where they're saying, this is a big enough priority. Something just happened, and now I need to get serious. Now I need to be curious. Now I need to sit with a professional who's going to understand me and give me true advice and a financial plan and give me ongoing investment recommendations. And that's kind of that difference. I would actually say that as much as you might have

beat the word fiduciary to death on your podcast or in conversations with your friends, when I talk to the general investing public, you know, from my point of view, they still don't understand the difference. And as far as what they think their big box, you know, firm is offering or capable of, they don't understand the conflicts of interest. They don't understand the product-based incentives that exist. And once they kind of have an understanding or an introduction to an RA model, that's where they're going, oh my, I didn't know that existed. How could I ever go back to, you know, an old world, an old model, you know, those things that exist. Yeah. So, so I'm curious and I know that we've got, you know, a few more minutes in this segment, but I'd like to find out over the last two years, something has happened in the world.

I don't know if you know about it or not, but there's been some changes going on. What's it been like for you as far as like, you know, growing your practice, meeting with clients? You know, I have learned that, especially even myself, as we work, you know, with a lot of different advisors throughout the country, you know, having meetings virtually is really, really easy now. And a lot of their clientele, and I just want to get this from you, they become comfortable, you know, even in their, you know, 60s or 70s, sometimes 80s, and even 90s, comfortable, like having like virtual meetings. Are you seeing that same type of a trend where you're at there? Absolutely. I mean, I think clients want to meet and rightfully so they want it more and more on their terms. Right. I mean, we'll send an invitation for a meeting.

And, you know, from our template email says, what are the things that are important to you? So to create an agenda that says, when do you want to meet and how do you want to meet? Do you still like phone calls? Do you still like Zoom meetings? I mean, from a from a generational standpoint, it's wonderful for us because, you know, when clients retire and then their kids live three states away, you know, for some of our families, they value transparency, right? So they're a values-driven family and they're saying, we're meeting Thursday at four o'clock, park on the third level parking garage, take the elevator to the second floor and meet with us in our conference room. That wasn't something that they were either comfortable with

or when you live three hours away or three states away, the kids weren't joining. And so I think transparency is going up, time effectiveness is going up, client engagement's going up. time effectiveness is going up, client engagement is going up. For the clients that are saying this is convenient, I'm okay using technology as some part of our relationship, it's been a huge win for clients, their kids, their grandkids. You know, that kind of engagement's really driven curiosity. It's driven, you know, good questions.

You know, their CPAs can join, their attorneys can join. It's really building that team environment for that is in care of. Right. That's in service of the client experience. So we see that on a regular basis. Huge fans of it. Yeah. And I honestly, I don't see that changing. I see that being more and more embraced. And I believe the enlightened advisors that we have been coaching and training and teaching ourselves were like, you know, don't go by the way of the dodo bird, right? You need to embrace the digital age transformation because we're in it now, right? You need to embrace the digital age because I can promise you that a lot of the clientele that our advisors work with, you know, they are the older generation, right? They're the boomers and the seniors.

And even in order to keep in touch with the kids and the grandkids, they were forced to have to start doing virtual meetings, right? So it wasn't like, and then they started growing comfortable in it. Well, why can't your practice, advisory practice well in fact why you better embrace that that sort of that uh communication yeah because if you don't and other advisors are embracing that you will definitely lose out on that relationship yeah yeah i mean you think there's a whole i'll call it the financial entertainment complex right that exists and makes things uh you know, overly difficult. You know, you got, from our point of view, I think we've got a team and a process

that makes, you know, things simple, makes things easy, whether it's just scheduling a meeting, whether it's just getting something done, whether it's just answering a question, or whether it's actual, you know, entire comprehensive financial planning process. You know, you're right, that those things are expected, should be expected on an ongoing basis. Yeah. Yeah. The ease of doing business with you is going to attract a heck of a lot more clientele than, you know, trying to continually live in the old paradigm, if you will. Yeah. Some clients are like, so like jaded, they're just waiting for one thing to go wrong to just, that's it. And I'm out of here. of here and you know they take off and just some people are like that so hopefully you're not attracting those people josh let's try not to you're right he's got a positive vibe going on right since totally dude

i like the website i like the attitude i like everything i like the story all right guys so let's take another break and then when we get back we'll flip the script. And Josh can ask me anything he wants. His little heart desires about health. We'll be right back. You want the absolute best for yourself. And you want it to be easy. That's why we created Green 85. It helps with detoxifying the body gently.

We're proud it's chemical-free, unlike almost all other supplements you'll find. Bottom line, Green 85 will get you healthier. We look forward to hearing what Green 85 did for you. To get this product and our other amazing products, go to chemicalfreebody.com. That's chemicalfreebody.com. What's up? In Richards, Tim James here, back with my co-host, Carter Wilcox. And today in the house, we've got Josh Manifold.

And Josh, this is the part where we flip that script and you get to ask me questions about health. So what's your questions, brother? Sure. Just wanted to start. What do you advise? What do you recommend from a sleep standpoint? Can you kind of walk through and help, you know, we work with clients who are that kind of, I'd say stressed, you know, two income, both working, trying to balance kids and then all the way, you know, through, you know, retirees. So So talk to the importance of sleep from a health standpoint. Any opinion, any perspective on that?

Sure. It's a big topic. You know, the sleep, in my opinion, is besides freedom and love, the number one nutrient is air because we perish without it in four to seven minutes so oxygen is pretty darn important if we're going to look at how long we can live without it oxygen is number one number two would be water because without water you're dead in 11 days and sleep is number three or because it's about 11 days on sleep too if you don't sleep for 11 days, you die. So sleep's up there. It's a big one. And you know, when you're not feeling good, what do you want to do? You want to sleep.

So it's a place to restore and regenerate. When people are wanting to build muscle, you don't build muscle in the gym. In the gym, you tear it down. It's actually built at night when you're sleeping as the muscles are regrowing and stuff. So sleep is important. So you have to think about your environment when you're sleeping. So what's your air quality? That's a big one. If you, if you're, if you're in a bedroom that has carpet, man, do you need an air purification system? Cause that carpet's off-gassing formaldehyde. You're embalming yourself and your children. You don't know it, though, because we can't see this stuff.

So the chemicals are bad. And just to give you an idea, Josh, all you have to do is type in umbilical cord chemical, those three words into your browser when you're done, and go check out these studies going back to 2005. Every single child being born and the young mothers are completely polluted with 180 cancer causing chemicals at the low end 212 chemicals cause developmental and brain disorder so we're

born polluted today older we are the more time we've had to bioaccumulate these toxins so you want to get a good night's sleep you want to get awesome air how do you do that on the cheap start cracking your windows at night let some fresh air in even if you you live in cities, the air in your home is 100 times more polluted than what's outside. So fresh air is important. Take it to another level. You get an air purification system. We have My Best Choice.

It's on our website now. You want to get a really, really awesome... You can get a whole house system too where you can get UVs going through in the HVAC and really clean up your air. So you can spend as little or as much as you want on that. We also want to look at EMFs and ELFs, electric magnetic frequencies and electric low frequencies. The ELFs come from your electrical grid in your house. So if you have all these plugins, from your electrical grid in your house.

So if you have all these plug-ins, if your head or your body is within three foot of an electrical socket, you're getting zapped, and that can disrupt not only cells but your sleep. So we've seen this. We take a little thing, and you go up to a light socket, and as you get within three foot of it, it goes, and then people are like, oh, my God's right there they get it but without that little device you don't know you can't see it you can't you know most people can't feel it or nothing so they don't know so they don't believe it it's like woo woo but it's real that's electric low

frequency now the ems can come from your smart meter aka should be called a death meter um get that thing stopped it's like i think it's like 80 bucks they'll come out and remove it and charge you an extra 10 12 bucks a month get that off your house that's pumping out 2.4 gigahertz so what a lot of our clients will do especially ones that are highly sensitive we'll have an electric uh a contractor come an electrician and they heart and they fix a switch on their at least their bedroom or when they come in and go to bed at night, they flip the switch and all the power stops coming into their bedroom at least.

So this is the level of thinking on this stuff. The other thing you want to do is you want to get a really awesome bed. I mean, you're going to be spending a third of your life sleeping and you want to get the best quality sleep ever. Man, the bed industry is jacked. It's really jacked. If you're doing one of those beds that are different numbers, you can sleep and it's an air chamber,

it's eventually you're going to have mold toxicity. It's impossible not to because mold will get inside of these air chambers because of just temperature fluctuations. It creates mold in there and moisture. If you're sleeping on memory foam, man, you're getting, you're just breathing in tremendous amount of toxins and the memory foams aren't really good on your spine either. So the chiropractors really don't like those. Um, so you want to get a good bed that's going to support the spine. It's non-toxic. Um, the beds that I have, um, I did

over a year and a half worth of research on my bed before I picked it out. And it's freaking awesome. The only thing that sucks about when you get one of these beds is you don't want to take a vacation. I'm serious. Like, they're that good. matrix that they use in hospitals for paraplegics quadriplegics um and people that are incapacitated so they don't get pressure points and get those open sores because they're just not moving this gel matrix completely disperses all weight and makes it all even so there's you can look at on pressure points it eliminates all the pressure points and if you eliminate pressure points you

eliminate disturbing your sleep so you don't wake up as much and you sleep deeper. Right. So your bed technology, you're cracking your windows. I also diffuse essential oils at night and I rotate at least four different ones because you don't want to do the same essential oil every night or every two or three nights. It's four minimum and then rotate it. Maybe it's lavender one night and then the next night it's, you know, Roman chamomile. And the next night it's what know roman chamomile and the next night what's that frankincense that's one of my my frankincense yeah if you're a foodie you could get chocolate you can vanilla vanilla is a very pleasant smell it really is in fact um

when i was back in the mortgage industry i used to coach my real estate agents when they're doing their open houses and tell them one of the best things you can do is bake some cookies or diffuse, get some vanilla smells going. Now, back then, I didn't know about diffusers, so I told them to put in the toxic vanilla deals, but I didn't know. But people like vanilla, right? They like vanilla right they like vanilla so those things that way when you're sleeping you're actually gently medicinally helping your body you're giving your body like diet light light doses of plant-based medicine through these essential oils it's pretty cool um you know other than that um there's prep work to sleep well you know avoiding blue lights and stuff at least an

hour before you go to bed. Because if you have light in front of your eyes, your body still thinks it's daylight, so it won't kick in and produce melatonin, which is the first step to kind of get you into sleep. So get like a soft, low light, read a book, get electronics out of your room, sauna before you go to bed um if you don't have a sauna get one um if you don't have a sauna yet and you're on your way to get one then you can go in a tactic we use is um uh just rinsing off in the water just get in the get in the water rinse off and just dry off that's it you'll sleep better something about the water, rinse off, and just dry off. That's it. You'll sleep better. Something about the water coming in, it's just a soothing effect. And one of these things. These are called spook mats.

You can get them at spookspace.com. This is an acupressure mat. You see those little spikes? You can lay on this for 10, 15 minutes before you go to bed. It helps you sleep. Plus, it's great for low back pain and all kinds of stuff. It helps you sleep. Plus, it's great for low back pain and all kinds of stuff.

So there's a snippet into a comprehensive approach of things that we do when we have clients come in that have health issues, whether it's stage four cancer or MS, which I would like to talk about, by the way. I don't know if your dad, is your dad still alive? No, he passed about 15 years ago. Okay. That's unfortunate. I wish I would have known this information and I was able to teleport back and help him. But yeah, those are some of the things around the sleep area that we do to stack in our client's environment and their lifestyle so they can get their health back.

Yeah. I'm open to talking about anything around the MS side, but my next question was, I feel like I'm seeing a cultural, like, I'll call it a cultural underdog that is saying people that are done with alcohol for a variety of reasons. But I'm seeing dry bars, you know, with businesses, you know, pop up. I'm seeing, you know, uh, is it no drink January, right? There's like, there's a whole, I'd say cultural shift around people understanding or people kind of asking questions around how is alcohol affecting my health, let alone all the other things. But it's like, can you speak to any opinion and perspective on the role alcohol plays on your body, on longevity, on health, anything on that topic? Yeah, sure. So if you go over to Europe and stuff like that, you know, there's going to be, because

I have to preface this with this information because a lot of people are going to be going, well, you drink a glass of wine or two a night and that's healthy for you. Well, a lot of times when people are doing that, yeah, it can be a de-stressor, right? Because stress is, but you can also meditate. You can do breath work. You can bounce on a mini trampoline. You can go for a walk. There's a lot of things.

You can play with a grandkid. There's a lot of things you can do to de-stress. Okay, it doesn't have to be booze. But I'm not saying you have a drink or two. No big deal. Shoot me. It's not a big deal. Parties, birthdays, you know, weddings.

Okay. But when it's day in and day out, yeah, that can be a problem. Right. And some people like one to two drinks and that's what they want to live their life. That's fine. You know, it's no problem. But those people over there in Europe and stuff like that,

like the Sardinians that are part of this group called the, you know, in the blue zones, they have the most centurions, the people that are living longest. There was four common factors in all these people, the Okinawans in Japan, the Costa Rica, there's people in costa rica there's the seventh day adventists and loma linda california all these little these little blue zones they call them where people have the most centurions they live the longest the four common factors number one um lifelong friends so socializing very important and having

good bonds and friends were tribal number two respecting elders that was another thing in the culture number three was um uh movement they move every day and number four was an 80 plant-based diet or greater by weight so the more plants that you have them and the fresher the plants and the fresher the food the healthier you're going to be because the more your foods commercialized denatured bag box can jarred heated pasteurized irradiated synthetic and added um shipped had ethylene pumped into the truck so the vegetables stay longer all these things are a distortion from nature and we are nature. So we need to plug back into the mothership, which is mother earth. So fresh foods are, um, are of utmost importance, um, uh, when it comes to health and I got off topic. Can you restate the question again?

I don't know. Was this interested in alcohol? Oh, alcohol. Yeah. I can play. I don't get this alcohol question very much. All right. So my personal opinion is what I've learned is that if you take – here's the unfortunate side. If you have one beer, one shot of whiskey, one glass of wine, you are going to – you're destroying your gut microbiome. Your gut microbiome is a huge part of your immune system. You have the innate immune system, the adaptive immune system, the interferon system, the gut microbiome,

and the neural system. That's the modern view of the immune system that came out of the National Scientist Foundation lecture in the fall of 2019 by Dr. Shiva Iyadurai. Unfortunately, our medical system is still based on that 60-year, at best, maybe 100-year-old antiquated model of the immune system,

just the innate and the adaptive, the two-box model. It's not the case. So if your gut microbiome is a massive important part, and I mean, kind of everybody knows this now too, because look at what probiotic sales. I mean, people kind of know they're buying probiotic foods and sauerkrauts and kimchi, and they're starting to do that stuff because we're realizing, I mean, when people have severe issues and gut issues, they're even doing fecal implants. Now they're taking fecal material from healthy people and implanting it rectally into unhealthy people to help them recolonize these bacteria. That's how important it is. Okay. So they're doing it in Western medicine and functional medicine where they're doing fecal implants.

That should tell you how important it is in that delicate microbiome system you have going in there and why you don't want to disrupt it. So if you can have compensating factors and you're working out and you're drinking healthy water and doing all this stuff and green juices and you're sleeping well, you could probably get away with it. But if you have any health issues at all, it's probably a good idea to not drink it just probably is a good idea um not only will it disrupt the the gut microbiome but alcohol people are not alcoholics um they're they're sugar addicts because alcohol converts to sugar in the body and it's very – it's acidy. It's very acid, so it leads to sore joints, arthritis, headaches, gout, these types of things. It's acid inflammation. So we're trying to keep our bodies as alkaline and high oxygen as possible.

And sugar, which you know what alcohol really is, it's sugar. It just doesn't do that. It doesn't really do a body that good. But again, I'm not telling people what to do. I'm just saying, hey, this is ice to drink. I don't drink anymore. I just don't. I mean, I might have one here and there. Like if I'm out going out with some friends, usually I just drink.

You know, I go crazy and I have. Carter's not going to believe it but i had carbonated water i know it's your bones but i had some carbonated water with a little splash of cranberry juice and i have them squeeze some lime in it that's what i'll do or i might have like a coffee and bailey's which i don't drink coffee and i don't drink but those two together you know it's like you should see me on a coffee and bailey's in fact I'm a little tired right now because we did that. We were out late Sunday night with because I'm taking off. I was out late.

Dude, I've been up late. I'm tired right now. And if you can tell, but I'm freaking I'm dragging, man. I've been working all day and it's like sleep's important. It's really important because I've been off of sleep for three hard, three out of the last four days, like up till four in the morning, two nights in a row. For real? Yeah, going out with friends and then coming back home

and then playing music for two hours until like four in the morning. Right? So, but yeah, so sleep is important. And, you know, alcohol is one of those things that's buyer beware. I would do it in limited quantities. If you have any health concerns whatsoever, I would completely avoid it. My last topic was something you just touched on, and that was sugar. Can you help us understand from a diet standpoint, just, you know, where are all the places that sugar shows up in the foods we're eating, in the things we're drinking?

you know, foods we're eating, what we're in the things we're drinking. I guess any opinion on the role sugar plays in the average, the typical, the normal American diet? Well, first off, if you go back and look at the history of sugar, maybe you go like, you know, back to the 14, 1500s when there was kings and peasants, right? Well, nobody had sugar. It was expensive. It was hard to get. Actually, the kings had it under lock and key, like locked up. And it was only brought out for birthdays and holidays and that kind of stuff.

And the kings and stuff, they were eating their faces off and overeating, and they were the ones that were fat and unhealthy. The peasants who ate lower on the food chain, they were very healthy, and they worked all day in the fields. So because they moved their bodies and they ate food directly from the earth. So that's the basis. Now, moving forward today, sugar's in everything. And sugar cane is the most highly sprayed crop in the world. They spray more pesticides, fungicides, herbicides, larvicides, chemical fertilizer than anything else.

Cotton, I think, is number two. That's why if you're wearing cotton and it's not organic you're polluting yourself it's off gassing chemicals into your body from the from the sprays so you um when it comes to um you know sugar what are the things to look out for that are common well number one would be just like you know wheat noodles like wheat like they're taking wheat in its dormant state grinding it up adding sugar and salt and and some yeast and they make noodles out of it they make spaghetti out of it they kind of make this stuff it's not sprouted meaning soaked in water first to release its natural insecticide or protectant and it becomes more on average about eight times more digestible. Any nut, seed, grain, or bean should be soaked in water first, period, to activate it, activate the enzymes, release those natural insecticides, and become more digestible.

That's not happening. So when you're eating wheat over here in the States, it's got gluten in it, and there's all these gluten sensitivities. It's like glue to your gut. There's celiac disease, all this stuff. I have people that are highly sensitive to wheat they go over to europe and eat it no problem they come over here it's a shit show and it's because of hybridization genetic modification they're disrupting the plant's metabolism and it's

actually creating more formaldehyde just like the carpets so things to stay away from. If you see wheat, wheat gluten, whole wheat, still wheat, whole wheat, whole wheat bread. You're eating bread, turns right to sugar. You eat oatmeal, sugar. Sugar, sugar. So pastas, pastries, you got to watch out for that stuff. Milk has a lot of sugar in it. Dairy, cow's milk.

And even some of these other ones now, these almond milks and stuff that are sweetened i can't even i just like it's to me it's nasty because i'm so clean now like there's no way i could eat that stuff i i sugar my or sweet my stuff up with um stevita brand stevia the liquid drops because they don't they process theirs without chemicals and it's you know it makes it sweet but there's no there's i mean it's actually good for diabetics actually it actually helps to regulate blood sugar imagine a sweetener that regulates blood sugar that's pretty cool right monk fruit's another alternative so yeah pastries pastas that kind of stuff alcohol has sugar in it but they put sugar in everything, you know, cereal.

They just put it in about everything. And sugar has a bunch of different names nowadays. Yeah. So if you see anything in an ingredients list ending in O's, O-S-E, it's probably a sugar. Maltodextrin, you know, dextrose, sucrose, stuff like that so don't read the late don't read the front of the label you have to go to the ingredients list and read that that's very important nowadays and try to buy minimal ingredients and try to buy fresher foods and just stay away from sugar because sugar is one molecule like it's very similar to cocaine

it's only one molecule off. But if you look at the chemical structure of cocaine and sugar, absolutely almost identical in chemical structure. And three times as hard is more addictive than cocaine. Wow. That's crazy, right? Yes. Yeah, Josh.

And you'll find, too, it makes you tired. It makes your teeth hurt. When you put sugary stuff too it makes you tired it makes your teeth hurt when you put sugary stuff and you got tooth issues your teeth hurt you eat stuff like that your bones hurt right it's just like it's not you go out in nature go ahead and try to find big hump uh you know bags of sugar in nature it ain't gonna happen the only time you're gonna find it is when fruit is ripe and fruit today has been hybrid 30 to 50 times more sweeter than its origins. So like the fruit that we're eating today is not even, it wasn't even created by God. It was just man's manipulated most of it because people, I mean,

imagine a fruit stand. It's like, Hey, sour apples. Hey honey, let's get some of those. No, it's going to say sweet apples and you're going to pull in and get it. Sweet watermelon, sweet oranges. Hmm. That's good. Cause cause we are

programmed to look for sweet to look for fat and salt in nature because there's not a lot of it it's not easy access now maybe you can you know you know get some honey but probably get stung so unless you're a bear and you got a thick hide or you got a you know you were ahead of your time and you built yourself a little iron man suit back in the 1400s, you're probably not going to be able to get that honey very easily. I guess you could light a fire and smoke them out. That's probably what I'd do, calm them down a little bit and get them in there. But I don't like getting stung by bees. So other than that, man, take your kids and your family and go walk around the woods and try to find salt, fat, and sugar.

Good luck. We have one sugar receptor in our gut. We have 25 bitter receptors in our gut. What does that tell you? Well, common sense person, if you grew up on a farm like I did, says that we should probably eat stuff that's bitter. Dandelion leaf, we look at it as a weed. It's a top 10 Chinese herb. And we go buy cancer-causing Roundup and spray it on the dandelion and then track that crap into our house and pollute our kids and give ourselves you know non-hostiles lymphoma killing something that's a top 10 herb that is

um bitter that would work with our receptors in our stomach and give us ideal health you see how backwards everything is today? It's kind of crazy, but awareness is the first step. Yeah. Well, so do you have any other health questions? I know we're winding down in Richards, and we appreciate you being on this episode and everything, but, you know, Josh Manifold, do you have anything else that you want to talk as far as health?

But before we go, I got to get in that you were talking about your hair pre-show. Oh, yeah. It was wavy, right? But now it's like growing back. And you said you lost a lot of hair, right? Yeah. Yeah. I moved to Ethiopia halfway through college and just kept growing my hair out, right, years ago.

And one day I woke up and it finally dropped. So recently, just with health issues, lost a significant amount of hair and it came back and it is curlier than ever. So I don't know if in a year or two I'll be back to normal wavy hair or if the curliest hair is here to stay. We'll see, guys. You'll have to let me know. So now the question of the hour is, do you still consume Fitz Fitz? Fitz Fitz? I don't know what that is.

You went to Ethiopia, right? Oh, yes. In Jarrah and Watt? Yes. Yeah, I know. There were plenty of great food options when I was living in Ethiopia. Yeah, actually you did you eat teff when you were over there yeah there's a whole menu of yes did you are you still eating teff no

no because uh my stomach didn't agree with uh with a lot of the uh offerings over there great experience loved it but uh at the end of seven months i was uh i was ready to get back to uh some other food options well there's usually some literally digestive change that has to happen when you go because there's a whole different set of microbiome over there adjusting and stuff but i don't know if they were sprouting the teff it's a little tiny seed it's a very it's a powerhouse um one of the runners uh from ethiopia who was like runners from Ethiopia who was like he won a gold medal. He was one of the top three athletes, sprinters in the world. He moved to Sweden because Ethiopia didn't have an Olympic committee or nothing.

They couldn't have a team at the time. And he ran on the Swedish team. But his times went from the top three fastest guys in the world down to the top 100 very quickly and they were trying to figure out what is going on and he said the only thing that has changed was my diet because he went from eating stuff in ethiopian teff to you know swedish pancakes and whipped cream and bacon and all that stuff so he thought let's try it so he went back he got teff started eating that stuff and right back up into the top three, won the gold medal, and then this guy opened up a health food store because he figured out how important nutrition was.

That's a great lesson. In Sweden, pretty cool. Love it. Switzerland? Sweden, Switzerland? I think one of those two places. Started with an S. It's in Europe.

No way, it was Finland. It wasn't Finland. No, just kidding. But they do sauna a lot over there, so we can learn from them about you should take sauna every day. Yeah, yeah, no doubt about it. So that's kind of cool, Josh, that you spent, would you say, seven, eight months in Ethiopia? Yeah, yeah. I was close to finishing or, you know, basically got through freshman year and realized, hey, wait a second, there's got to be more to life.

Wasn't really valuing the academics. And a friend invited me to go over and kind of work in a small or in the suburb of Addis Ababa, which is the capital city over there. So I ended up working in the Shushine boy community. A lot of the kids over there had lost their parents and grandparents to the AIDS epidemic. A lot of the kids over there had lost their parents and grandparents to the AIDS epidemic. And so they were, you know, parentless and kind of working on the streets. And it was kind of aid development type work for seven months. It was absolutely wonderful living and learning from from my Ethiopian friends. Wow. What a life experience. Well, you know, I'm sure that we could learn a whole heck of a lot more about Josh Manifold if we have more time. And maybe what we'll have to do is we'll have to have a follow-up show and learn more about you and what's going on with your hair. That'd be great.

That'd be great. Or what happens. Hey, and thank you so much for joining us for another episode of the Health & Wealth Podcast. Make sure to like, share, and subscribe wherever you do get your podcasts, Apple, Google, or Spotify. For all of our previous recordings from other fantastic guests like Josh Manifold, make sure to check out our website at www.the healthandwealthpodcastshow.com. And again, make sure to like, share, and subscribe. So for my fantastic co-host, Mr. Chemical-Free Body himself, Tim James, and our wonderful guest today, Josh Metafold of Compass Ion Advisors. Play on words, Compassion Ion Advisors.

I'm Carter Wilcox. Hey, enrichers. Thanks for tuning in to another episode of the Health and Wealth Podcast. I'm your host, Carter Wilcoxon. Hey, enrichers. Thanks for tuning in to another episode of the Health and Wealth Podcast. I'm your host, Carter Wilcoxon. And I'm your host, Tim James. And by God, we are committed to helping you guys have fat wallets, flat bellies. So tune in again for another episode and make sure to like, share and drink a lot of water or beer. You have just listened to the Health and Wealth Podcast with Carter and Tim.