Heroes in Business - Dean Somes, Senior Wealth Manager, From Giant Slalom To Constructing Portfolios

Episode Date: April 4, 2022

Dean Somes is currently the Senior Wealth Manager at Three Bell Capital. Formerly, Dean was Vice President and Wealth Manager at Bank of New York Mellon and Senior Portfolio Manager for Cross Capital in this episode of the Health and Wealth Podcast.

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, enrichers. Carter Wilcoxon here coming to you live on our Christmas show of the Health and Wealth Podcast. I'm very excited about our guest that we have on

today. But before we get to him, let me go ahead and bring in my esteemed, amazing, spectacular Chemical Free Body co-host himself, Mr. Tim James. Tim, how are you, bud? Carter, I'm doing good. I'm glad to have Dean Soames in the house today with us. Can't wait to learn more about Dean, what he's got going on. It's been raining a lot here in Portland, Oregon. That's all it seems to do now. It's that time of the year. We did get a little bit of snow. My girlfriend and I went trail running yesterday morning and there was some snow up on just some of the lower hills, which was pretty cool because it's, you know, normally gets snow. So that was kind of fun to run through the trails in the snow. You know, just doing my thing, getting outside, getting outside you know hey here's a cool thing did you know

that even even outside in a snowstorm or a rainstorm you can get vitamin d you can get your vitamin d you just have to it's very important because those uv uv rays are are still coming down it's just you have to wear natural fiber clothing and better if you can you know have the forearms exposed that's good but if you're wearing natural fiber clothing those rays can penetrate through but if you're wearing synthetics polyesters nylons these types of things microfibers you'll block them and you'll be off gassing that stuff into you so there's a preview to the health segment that comes into the show right there. So vitamin D is important, people.

It's important. It shoots holes in viruses. Boom, boom, boom. If you're dark-colored skin, you need 15 times more. So if they tell you to don't go outside, don't look at the sunshine, and you have dark-colored skin, you should be pissed off at your health officials because they don't know their ass from a hole in the ground. Well, here we go we've already got the first expletive out uh right out of the first segment so that's merry christmas yeah our merry christmas show don't be letting that shit get to you

well hey tim i'm very excited about our guest today coming in from uh the dallas area um dallas texas which ironically i am wearing my cowboys that wasn't planned by the way i got my cowboys jersey on or my my pullover um harder we've talked about this before it's it is planned on a higher level your higher mind planned it through synchronicity because you're following your highest excitement and dean is following his highest excitement is right this is exactly where we are supposedity because you're following your highest excitement and Dean is following his highest excitement is right. This is exactly where we are supposed to be. You're supposed to have that Cowboys jersey on. Now the question is, is this Dean like the Cowboys?

Absolutely. Yeah. Yeah. Way back in the nineties to now. Sure. Why not? Yeah. Absolutely.

That works out great. That's not, well, we're going to have lots to talk about today on today's show. Oh, yeah. Tim might not be able to talk as much as he normally gets to on this show, but that's okay. That's okay. Well, I used to be a big 49ers fan,

and my two buddies from grade school were Cowboys fans, so we always had bets and stuff going on. Oh, yeah? I got lucky when Joe Montana was gone. They were like, hey, hey. They were laughing at me, and I was like, damn it. But then Steve Young came in, so I was gone, they were like, hey, hey. They were laughing at me. And I was like, damn it. But then Steve Young came in. So I was like, it couldn't have even got any better, dude.

But I did get it back again because then we got Dion. And then he freaking went over to the Cowboys. So I wasn't happy about that. Along with Charles Haley. That's kind of funny. Yeah. All right. Sorry.

Introduce this guy. He's awesome. Hey, you're all good. So Dean Soames from Three Bell Capital. And I know you guys have different office locations and, you know, we'll give you a chance to expand upon that. I mean, I was on your website and I saw, you know, four or five maybe different locations. But you are in Dallas, Texas, and our enrichers, as we call them, they love to be able to hear each one of our guests' backstories. So let's go ahead and jump right into this Christmas edition of the Health & Wealth Podcast Show. And again, enrichers, thank you for joining us.

Make sure to like, share, and subscribe and get all of our previous recordings from our guests at www.thehealthandwealthpodcastshow.com. So, Dean Soames, I was just having this conversation with, which I regularly have this conversation with our guests on the show about, you know, you're not, it's not like you're going to grade school and you're like, man, I can't wait to be a money manager, financial advisor, growing up and everything. So share with the enrichers, if you don't mind, what was the infancy? What was the thing that led you down the path to go into the financial services industry and share with us and expand as much as you want to on how that really got started for you? Sure. I mean, that's a great question. I think that you're right. You don't just really wake up one day and you know, you're a kid, you mostly want to be an astronaut or a firefighter or something like that. I don't know many kids that

want to carry around a briefcase and say they want to work on wall street. But I think that the impetus for me was, um, you know, my, my dad was a big trader and, um, you know, my dad was a big trader and, you know, I kind of followed him as a kid and I got the opportunity to go work for a hedge fund when I was in high school. It was one here in Dallas. It was a long short hedge fund run by a few guys there. One of them actually went on to become famous in the big short, not the movie, but the actual trading in short and subprime during the housing market. And so it was just an absolute brilliant shop. And this is back in the late 90s when technology wasn't really there in terms of charting and things like that. So what they did for me was they bought a roll of paper.

It was about two and a half feet tall and rolled down the floor. And I would have to calculate by hand point and figure for corn futures. Mind you, I'm 17 years old at the time. And this is back when pink slips were still being thrown around and I'd have to reconcile the trades. So I'd have to call the trade desk in New York, reconcile the trades. and i was doing all these you know charting by hand and at the end of the day i'd finished putting the x's and o's for the point figure and they stand on top of a desk behind behind me and and look at what i what i had drawn and basically make trades on on all of that and they did really well um and so that was pretty much the start of of my fascination with uh with money and how money works and how it flows

throughout the world and uh decided to pursue it um i actually ended up studying history and theater at uh in college but uh but actually just kept it alive and continue to work for the fund. And that fund manager is still a still a mentor to me to this day. So it's been, it's been a great ride. Wow. Wow. So, so your dad kind of was your first influencer as far as going that direction then? Oh yeah, definitely. And it was all And it was all technical analysis based too. So he'd get the, I forget what they're called. They were blue and green books. Their daily graphs was what they were called back in the mid nineties. And he would get a ruler out and a pencil and draw trend lines on these graphs. I mean, it was pretty basic, but you didn't have the computers

that back then that you do now, as you know. So everything had to be done by hand, it was it was pretty, pretty basic, but you didn't have the computers that back then that you do now, as you know. So everything had to be done by hand. And it was pretty new in terms of how to trade. Technical analysis was back then. So it was cool. So it's interesting. So you're you're a numbers guy. Right. But then you go to get your degree in history, which is sort of like left brain, right brain. Right. so that makes you a very balanced individual so how you know what was the uh the the attraction i guess for history but you're a numbers guy you know that's yeah so a lot of people have mentioned that too

and i guess you're right i i guess there's two sides to the to this coin and um so i i loved my history professor in high school i was actually a former drill drill sergeant for the U.S. Army. And just, I mean, he was just larger than life and made it fun. And I love this. I love the subject. And I think that history is important. I think if we don't learn from our past mistakes, we're just doomed to repeat them. So learning about the cyclicality of human emotion, which is really what drives history,

So learning about the cyclicality of human emotion, which is really what drives history, is what's so important and how it actually translates quite well into finance, to be honest. Yeah. So, you know, it's here lately, I've been hearing a lot about emotional intelligence, right? So that's kind of sort of a little bit what you're talking about. How do you see like emotional intelligence with what it is that you do, you know, day in and day out? How does that reflect in someone's overall portfolio building and things like that? Sure. I mean, you know, it's fear and greed, right? That's what drives what drives the stock market. There's a training psychologist. His name is Dr. Van Tharp, and he's written a lot of books.

And I think that he explains it best that 90 percent of trading is controlling your emotions. And, you know, you can learn all the things that you want. But at the end of the day, if you're driven by your emotions, you're doomed to failure. you're doomed to failure. So I think that it's kind of this game that you almost have to play with yourself about, you know, making sure you don't become trapped into the fallacies that, you know, us human beings tend to have quite often. Yeah. And a lot of that is, I mean, as the saying goes, right, you buy low and you sell high, but all too often it's the exact reverse, isn't it? That's right. Yeah. We're all just little lemmings following each other off the cliff at times. So, you know, I kind of like to, you know, be a salmon that swims upstream a little bit sometimes and, you know, be a contrarian to see what really, you know, as you mentioned earlier in the show, you know, peeling off the layers of the onion. And I think it's important to study that and get your hands dirty.

Yeah, so let's go back did now you born and raised in the the dallas fort worth area correct i was born in indiana actually so i was born in indianapolis but we moved uh we moved down in uh 89 to dallas my dad was uh general counsel for GTE and then worked on the merger and acquisition with Bell Atlantic, which is now Verizon. And so that's where we were because the world headquarters for GTE got moved down to Irving, Texas, which is just like a suburb of Dallas. Yeah, well, it's where Cowboy Stadium used to be.

Used to be. That's right. Yep, yep. The old one. That's right. Yep, yep. The old one. That's right. And as we were talking about on the pre-show or maybe it was even when the show started about, you know, I'm wearing my Cowboys jersey or my pullover, I mean. Yeah, that's where the 49ers dominated. Yeah.

Well. That's funny. Yeah. Well. True. All I know is that. I really don't even care anymore. I so you know on that it's like i just doesn't really matter anymore you had to throw it out i'm just trying i'm just trying to fit into the to the sports stuff you know because i was a big sports

nut for years i played baseball at a high level for 30 years and i'm just i'm i'm you know i enjoy sports i still like it but you know when guys were making millions of dollars and they get caught driving yellow Hummers stoned out of their mind and stuff, I don't know. It's just frustrating watching some of that. Oh, yeah. Yeah, no doubt about it. Well, on that note, though, Dean, did you, I mean, growing up in, you know, Friday Night Lights, right? I mean, you dealt with that for quite a long time and everything. Did you play any sports growing up?

I did. I didn't play football. I was on the swim team in high school, which I really enjoyed. And then actually was on the ski the ski team for boston college and so i i skied giant slalom and slalom it was great d1 it was fun well timeout timeout wait a second you're okay we got another first tip the first slalom skier yeah one of our guests so far giant slalom and for myself and enrich, what's the difference between Slalom and Giant Slalom? I don't even know.

So Giant Slalom is probably the thing that you're thinking of with the flags that you ski around. You know, Slalom are these plastic poles, and they've got a spring at the bottom. And they go, you know, you slap them down as you go. So the Winter Olympics are coming up, I think, what, February, something like that. So it's going to be a big, big sport. And so that's what I used to do is ski both of those events. So and that's Boston College, obviously D1. I'm curious, where did you get your training in Dallas for your skiing in Boston?

That's a great question. My mom used to be a ski instructor in Vail in the 70s. And so, oh, and her stories. I mean, you could probably interview her for a couple hours. It's, you know, it's kind of still the wild west of skiing back then. So she kind of got us into skiing. And, you know, there's a funny story of her and my dad. My dad found out that all the ski bunnies in Indiana belonged to the ski club, which my mom was a part of.

And so he acted like he was a really good skier and goes in. And so my mom was like, oh, you should go skiing with me sometime. My dad, you know, just was like, oh oh boy you know i'm just kind of got caught so they go they go up to them they go up to the mountain and uh of course you know the first run it's just a yard sale for my dad and she clearly knew right away that he was lying the entire time but they hit it off after that and so we just did ski trips as a kid and um spent a lot of time and got into NASCAR racing which was like a kind of like a you know basic kind of ski racing and that's kind of how I got my feet wet with that and then I walked onto the team there were four people that tried out they took two and I was one

of them wow so four years of skiing in Boston College then? Four years of it. Yep, that's exactly right. Yep, I loved it. What was your biggest highlight of, like, okay, so I'm a golfer, right? So I think about the golf course that I've played because of the exposure to, you know, being in the golf world. In the ski world, I'm assuming there's got to be something like that, right? Like your Masters or your, you know, Augusta national or, Oh yeah. Of, of scans. What was the, what was the best experience that you got because of being a D one skier?

There's two, there's two things that I can say about that. One, while I was racing, you know, going to, going to these big events say like Killington Vermont or Sunday River or Maine was just it was just a thrill and and I think Killington Vermont is the only one on the Women's World Cup circuit in the United States so right now for the last couple of years so it's pretty cool to ski there and then I, I spent about six months in living in Vienna, Austria and got to ski in Salzburg and Zellensee. I actually got a chance to ski with some of the Austrian ski team members. And that was really, really fun, um, in Salzburg. And, and I, and there's, um,

there's the, the big Superbowl of, of world cup skiing. It's called the honeycomb. And basically there, there are more than a hundred thousand people that show up for this ski racing event in Austria. And it is, I mean, pre COVID that is, but, but yeah, it is just the, it's the super bowl of skiing. I eventually want to do that. I've heard some amazing stories. It's just one big party. So, so, okay. A hundred thousand, not participants. You mean just fans that come to this thing?

Just fans from all around the world just come to this thing to watch the ski racing. It's downhill. It's just the ones where they go 80, 100 miles per hour down the slope. It's extreme. Over a week's time? over a weekend how long does the event take just a weekend yeah i think it's like i think it starts like the week before and it just it just goes um just goes hard in the paint for seven days i mean just there's there's just no let up from the gas so that's what i've heard um so i really want to go and check that out someday well my bucket list uh so that sounds like a drink fest too. I mean, there's gotta be lots of, you know, festivities going on.

Oh yes. Yeah. Festivity. Yeah. Lots of festivities of every nature. I'm sure. Yes, exactly. So I'm curious because, and again, I mean, I'm, I'm really interested because I don't,

I've never gotten a chance to talk to anybody that's like competed like this. interested because I don't I've never gotten a chance to talk to anybody that's like competed like this I mean I'm a outdoor guy but I'm you know fishing hunting golf baseball you know ball stick kind of guy so when you're hanging out with the the slalom giant slalom skiers do you also hang out with those you know the guys that are jumping the ramp and I mean do you run in different circles or is it the same circles? So no, it means so in, in collegiate sport, we didn't really do a whole lot of that ski jumping and things like that. But I know on the West coast, they did a lot more of that East coast.

We just really stuck to stuck to racing. But even then you'd have separate teams. So for like the U S ski team, there's going to have, they're going to have a snowboard team and theys ski team there's gonna have they're gonna have a snowboard team and they'll have their own divisions of what they're you know the class of events that they're in so mine was just the just the racing events and hung out with those guys and we're all you know we're all crazy just there's there's nothing but two blades on your on your feet and pretty much no other protection other than a helmet so So, you know, you go as fast as you can down a hill.

Well, you know, I still remember, you know, like the ABC sports thing. The Olympics, man. No, no, no. In the morning, the agony of defeat. Remember those commercials in the beginning and that guy went crashing off during, I think it was during the Olympics. And as a kid growing up, I always remembered that to myself. That is the scariest looking thing ever.

Yeah, that was I think you might be talking about Herman Meyer. He was an Austrian ski team member and he had one of the worst crashes I think that's ever been captured on air. The guy walked away from it. He was a beast. It was amazing. And that now they have airbags. So the skiers actually wear these protective like this and they act like airbags. So if you were to crash, they actually help, they blow up and like create a cushion for you. In fact, I think that's relatively new over the last say five or six years. I don't know when they when they required to wear them but yeah we didn't have any of that stuff back then and so you were injured you got you got pretty injured if you if you fell hard. I definitely did so yeah.

Well I have one more question I know we're coming up on a break. I have one last question. Did you anticipate as you were, I mean, Boston College wasn't your only choice, I'm sure. But were you anticipating when you went to Boston College that you were going to try to walk on to be a skier there? No, I don't think so. So I heard about the ski team as pretty much as soon as I stepped foot on campus. And, you know, because I wanted to play another sport, I really enjoyed swimming in high school. And so I said, well, what can I do here at a D1 school that I have a chance at making?

And so I just gave it a shot. I had my parents send me my ski equipment and I took it to the hill for tryouts and rest is history. Wow. That's cool. Cool. Great story. Uh, it's bringing, it's literally bringing back memories. I'm thinking about when I was a kid, I was watching the Olympics a lot. And I remember watching that guy wrecking all the time off the, off the side. And I, I used to really enjoy the, the downhill slalom, uh, those races cause those people are just flying down the hill.

Flying, yep. You're watching the gold medal, and it's like they're above it, they're below it, they're above it. Aces points. Yes. They look around and they're like, yay or nay. Yeah, fractions of a second, hundreds of a second. That's how they're determined.

It's pretty amazing. Cool. So we're going to take a quick break and when we get back, we're going to check in with Dean and what he's doing today as a senior wealth manager. We'll be right back. Estate planning. What does that even mean? When the inevitable happens for everyone on this planet, your estate plan kicks into action.

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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 with my co-host Carter Wilcoxson. Back in the house, we've got Dean Soames with Three Bell Capital. He's a senior wealth manager. Dean, what's going on over there, brother? Tell us all about what you're doing today. Yeah. All in one breath, just so you know, Carter.

Yeah. It's exciting, actually. The firm has grown quite a bit. I knew the CEO, John Porter, for a couple of years prior to joining the firm, actually. I've only been at 3Bell for about a little over six months. Part of that was at the Bank of New York, working as a wealth manager there and side of the fixed income committee. And so John actually, just as a friend, said, hey, you know, I need some help institutionalizing my firm. You know, would you be willing to help?

And we talked for a while and I tried to help him out, you know, while I was at the bank in New York and then eventually decided to jump ship and go work with him. He had started it in 2009 and grew it from zero to where we are a little under $3 billion under management. And it's all been referrals. So a lot of our clients are going to be mostly tech entrepreneurs in Northern California, but we have clients everywhere. I was on a Zoom call with a client in Israel. He makes he's the largest blueberry farmer in Israel, believe it or not. And so it's just really interesting, the people that we meet and the clients that we have. And so it's been it's been really good.

and the clients that we have. And so it's been really good. We're forming some really neat products in-house and started the docs office here. And so with a colleague of mine. So it's been, we're growing pretty quickly. It's great. Wow, so six months. So when we first started talking

about you being on the podcast, I mean, you were, I mean, just getting your feet wet. Yeah, that's exactly right. I was, yeah. But it's been a seamless transition. I mean, just getting your feet wet. Yeah, that's exactly right. I was. Yeah. But it's been a seamless transition. I mean, it's just been wonderful. And the colleagues that I have there at 3Bell are just cream of the crop.

They're great. They're really fun to work with, but they're also really brilliant. So now you said you knew the CEO previously prior to you coming to 3Bell. So who initiated the move? Was it you? Was it sort of, you know, you kind of just made sense? I mean, how did that transition happen? No, I love the big of New York. I didn't have any intention of moving.

It was John who actually asked me for some help. And it was just over many months of time just talking with him that he realized that he probably needed me in his house, helping him work on these big projects that we've got going on. So I think that's what really did how he instigated it. He came up to me and asked me for help. So, yep. Gotcha. Now, so how did you meet him originally then if, um,

if you were a bank in New York and yeah, oh seven, you said, right? Yeah. Oh nine. Yep. Exactly. So I didn't like that. Yes. And so I think that, um, so it was a friend of mine, uh, who works at JP Morgan institutional and, uh, I think three think Three Bell Capital was a client. And so it was a late party in Dallas that he had flown out for. And that's how we met and just had a blast. And I mean, I can't say enough about the guy. So we just became really quick friends and stayed friends for several years now.

So it's been nice. Yeah. So he initiated, he wanted you to come over there. And then, so how long were you at Bank of New York then before that took place? Just a couple of years. I was only, I was only with them for a very short amount of time. Prior to that, it was at a, as a single family office here in Dallas. And so I worked with, worked with them as the senior portfolio manager, focusing on hedge funds and more technical analysis, in-house programs and stuff like that. Gotcha. So you guys are growing. What is the, what would you say, and I know it's mainly,

it sounds like referral base, introductory base and everything um and you've got office locations actually talk a little bit about the different office locations you just started the dallas office where are the other locations at in the country so i think that we've got uh some locations on the east coast uh the biggest bulk of our business is going to be in in northern california uh where it was first established and that's always going to be kind of the the world headquarters i think for for three bell at least for the time being but uh i think dallas has where it was first established. And that's always going to be kind of the world headquarters, I think, for 3Bell, at least for the time being. But I think Dallas is quickly growing to be another large office,

and I think it's probably going to be the second largest here pretty soon. So, yep. Well, share with the enrichers then, what does the ideal client look like for you? Who is it that you're normally working with or the vast majority of the makeup of three bell? What does that look? What do they look like? Yeah, that's a great, that's a great question. I think that, you know, we specialize in, in entrepreneurs, business owners, families certainly that maybe had an exit event from selling a business and

have complicated structures. They need work with trusts, estate planning, things of that nature, insurance. We kind of help them on that sophisticated level. And it's not just investing. That's just a small part of what we do for our clients. And I think that that's really what we try to focus on and help them and grow them for

multi-generational wealth. Nice. So as you're, is there a centralized location then Northern California that you're predominantly working out of, or would your clients know any different when you're having communication simply because I'm making an assumption. A lot of times you can have virtual meetings, although prior to us, you know, hopping on here today and recording this, you said you've been flying all over. So maybe you're pressing the flesh across the country

then. Absolutely. So I think that, you know, COVID changed for a lot of people in the way that businesses are run. Technology is certainly, I think a silver lining of COVID, if there is one, is that there's been a rush to improve technology and remote access for workers. And so for us, there really isn't a need for one office, like how business used to be done. We can basically do it from anywhere in the world, as long as we have internet access and a computer.

So it's easy for us to be able to communicate with clients, get things done on a very timely manner and be able to be there when they need us, both internally and for clients. Gotcha. So whenever you're working with your, you mentioned one of your clients was in Israel, right? So how, how does that even happen? I mean, are you pushing out social media things? Are you just, just word of mouth and Yep, we've got clients in Australia and Hawaii. Yeah, it's an international list.

And so it's great. I think it is just all referral-based. And that's kind of what I'm getting. People are really excited, and we like that air of excitement at the firm. Nice. excitement at the firm. N you talk a lot about like know, it sounds like a mu sort of feeling is what i Is there kind of a thresh

access to three bill and I mean, obviously we want we can give them the best Um and so, you know, I mean, obviously we want to make sure that we can give them the best amount of service possible. And so, you know, I don't know if we have a real stated minimum that we want from clients. But if they do have an estate that needs help or possibly work with other family offices on their investment side, that's kind of what we do. It's a case-by-case basis. We don't really like to set bars where we might exclude someone from being a really good client. So really, we just kind of try to meet everyone we can, try to help them. And if we can't help them, we try to help them by referring them to someone else that we trust.

Gotcha. I got you. So when it comes to because our foundational approach that we have at Epic Services is really helping the mass affluent out when it comes to estate planning and demystifying why estate planning, a.k.a. family succession planning is so critical. if you deal with this in your day-to-day or not, but all too often we hear how, you know, people think they sort of conflate estate taxes and estate planning as one and the same. And as we all know, there's a very few, there's very few people, households and mass affluent especially, that have an estate tax problem at this juncture. So the thing that always sort of surprises me pleasantly is that when we help to demystify on delivering what we call the three E's, where we educate, enlighten, and empower these households through our advisor network, that, look, if you care about your family and if you want to make sure that you have a seamless transition of assets, the optimal thing to do is make sure you have a team of specialists to make sure that that next generation is set up in a great position so that, number one, most importantly, we're talking about emotional intelligence earlier and that the mentality of whenever the matriarch and patriarch pass away, to set up that family to not fracture themselves, right? So do you deal with some of those things in your day-to-day

as you're helping to become this all-encompassing, it sounds like, again, planning strategy, this ecosystem of people that are providing services? Yes, I think that the E of education is probably one of the most important parts when, you know, wealth is being transferred to multiple generations. I think that the majority of wealth is lost on that second and almost gone by the third generation without proper structure in place and education. you know structure in place and education uh and that's that's vitally important that you communicate with the client on an ongoing basis even more so when it comes to the second generation than it was for the first generation so yes i agree with with pretty much everything that you just said and e of education is by far my my personal uh you know you know favorite thing to do and and helping the clients.

Okay, Carter, I got a story about education. It's really important, listeners. So check it out. This buddy of mine back in the day had a roommate, and his roommate was a logger. So he'd get up every morning and put on his boots and go saw logs up in the woods, chew his tobacco. And his parents passed away.

And he gets a phone call from a stockbroker. And the guy said, come on downtown. We got to get some money for you here from your parents. He's like, okay. So he shows up in his dirty boots up in this high rise deal. And he says, hey, so how much of this money do you want? He's like, I'll take it all. He's like, well, do you know how much you have here he's like um i don't know 20 30 grand or something like that he's like just a little over a million he's like oh okay well why don't you give me 500 000 so this guy has no experience with my now he owed my friend 3 000 bucks and he's he'd owed he'd owed him this money for a long time so he gets a hold of his friend by the time his friend uh my buddy gets home he's already packed his bags he's booked the trip he's

gone like he quit his job he just took off left gone like boss i'm out of here no two weeks see ya and um he's like oh cool and he's like hey man you got all this money now that's great he's like can you pay me my three thousand oh dude no problem sure when i get back no problem this guy travels around the world for a year and he just get drunk phone calls in the middle of the night um he'd get postcards from belize postcards from mexico he was all over the place he comes back and finally john's like hey look dude um you're back now it It's great. He goes, but, you know, I'm counting on it, right? I need that three grand you owe me. And he's like, you said you'd pay me.

He's like, man, I would have. I was going to pay you. I promised you I was going to pay you. But he's like, what do you mean? I was going to pay you money, man. It's all gone. He's like, what are you talking about? How could you be?

It was over a million dollars. He's like, well, you'd be surprised how fast a million can go and he literally went on this bender just partying and and he's like yeah he he like sent him like a postcard and he's like dude i just bought a beachfront property down here in this third world country somewhere he bought like properties here and there and he didn't even know what he bought where he bought it or nothing so yeah i think it's pretty important that might be an extreme case but it's very important to get educated because if your children are not educated and you don't have things in place that money's going to go away very quickly it's going to go away very quickly it's just like all these people that they they win the lottery and most of them will tell you a

year two years later they file bankruptcy their life's a disaster, ruined all their relationships. And you know, they get in trouble. All money does is it'll exasperate what's truly going on inside of them. So that's what's really important. And a lot of people need work in that area, work on self work on their health, work on their personal spiritual mission and all that stuff. And a lot of people aren't doing it. So I think it's really important to have people like Dean out there educating them. they can keep you know because you work hard for your money sorry guys you work hard for your money and um and you want to donate or you're not donated but you want to will it onto your kids and grandkids you know that's that's where trust and all that stuff and the planning really really takes place because you can control your money above ground

and below ground i know that's what carter does really well over at their Epic. Yep, that's exactly right. That's a great story. It's very true, though. It's funny, though, right? I mean, there is more to the story, but, you know, explicit. What do you call it? Exploitives or whatever? Yeah.

Exploitives. Cuss words. Cuss words. Lots of cuss words in that story. That's hilarious. Yeah. that story? Look, I mean, the number one concern that we hear on a regular basis as we, you know, on the front end educate these households, and I don't know if you know the statistic or not,

Dean, but 83% of Americans, this is from a wealth council survey that they did back in 2016. I'm sure it's not any different than it was back then, but 83% of Americans don't have this necessary tool that we call a revocable living trust. And the reason why I believe is twofold. Number one, as I mentioned earlier, they conflate estate planning with estate taxes. I only got $800,000. What do I need a trust for? I don't need any estate planning, right? I don't have an estate tax problem. So that's number one. Number two, and we've known this for a while now, for the five years we've been refining our onboarding process and educating the mass affluent out there. And nothing against attorneys, attorneys, if you're listening, but people don't like attorneys.

They just don't want to deal with an attorney. Tim is a perfect example. We've been helping his parents because they, you know, they're older generation. They don't want to have to go deal with an attorney. And what they think is in order to get this type of work done, they have to go see an attorney and an attorney is part of the process. But our, the beauty of our platform is that we've embraced the digital transformation. We can help clients out all over the country. It doesn't matter where they live to get their affairs in order. And that's how we sort of simplify it, right? I mean, they understand when you say, Hey, let's give you the true peace of mind of getting your affairs in order, right?

Oh, okay. I get that, right? Family succession planning, not estate planning. That's industry jargon that we use on a regular basis. They hear family succession planning. Now all of a sudden, you brought it down to their level and they're like, oh, yeah, I have a family. I know what planning is. I want a successful plan and a succession and everything. So anyway, the point being, Dean, is that the number one fear that these households have that we talk with and we educate them is what's going to happen to their stuff when they're no longer around. Right. And if you don't do the proper planning, if you don't set up a distribution plan, then the number one thing that happens, you just mentioned it, right? It's called, what do they call it? Shirt sleeves to shirt sleeves in three generations. And we don't want to do that. We want to set those families up for success.

And all too often, when you inherit money, and I don't care if you're a quote unquote spin thrift or not, when you inherit money, you could be the most successful doctor on the planet. You just got $1.2 million from mom and dad, and guess what? Well, now I'm going to put that wing on the house that I wasn't going to do before. Now I was going to do that. And now all of a sudden, the hard-earned money that mom and dad, matriarch and patriarch, that they created, it's gone's gone right because you didn't create that mom and dad created that so anyway having that family succession planning is so

critically important so that you can be able to set those families up for success and all too often a lot of times a family fracturing that can happen if you don't do that, especially when you're dealing with smaller estates, $500,000, $600,000. That's a ton of money to some people, right? I mean, I'm not talking about, well, I've said this on the show countless amounts of times. I believe, and where my passion lies, is that those families that have that $500 to $5 million need a lot more help than those who had the 5 million to 500 million. Yes, I agree. And I think it's important, you know, it's, it's important for people like you and I to kind of ease the blow of talking about some really dark stuff, you know, dying, or what happens if you get hit by a bus and you're a

vegetable, you know, like it's, it's very, very difficult to, to kind of want to talk about that or need to talk about it, especially, you know, to your spouse or your other loved ones. But it's so important to have that in place, even when you're young. I mean, I have it. You know, I started doing that when I was 30, because I just didn't want to be a burden. I think that of having my family try to figure it out for me or what my wishes were, I was able to just line them out. It actually started as a Word document, to be honest, and then eventually turned it into something a little bit more legal. But I think it's important just to even jot it down on a piece of paper or on a Word document and then go from there. And you know,

it's important for people like you and I to help them out with that. Well, I think you're right there, buddy. I think people are not wanting to talk about death. They don't want to talk about being incapacitated. I know a lot of people don't even like talking about poop. That's why my shirt says love when you poop, because I want to get that conversation started. So anyway, guys, we're going to take a quick break.

And when we get back, we're going to let Dean ask me any question he would like 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, enrichers tim james here i'm back with my co-host carter wilcoxson the health and wealth podcast show as he calls it i just think we should call it the health and wealth show i think we should shorten it up but what we're gonna do what's that what's that game are you thumb warrior when i actually finally get to me thumb wrestling i'm wrestling when i meet carter we're going to thumb wrestle over that so all right we're back we got dean in the house we'll go ahead no i'm sorry let me just jump in it's funny because i was just talking to someone the

other day i said you know we've now launched 40 episodes this coming wednesday we'll have 40 episodes tim isn't that crazy yeah that's pretty cool dude 40 episodes but you and I have physically never met I'm like I'm like I know Tim so well that it's like we're brothers but we physically have never met so our first encounter is gonna be a thumb wrestle we'll get it on video yeah totally that's fantastic so Dean this is the point where I ask you questions about health and you educate me. Are you ready? Oh, okay. Just kidding. No. Okay, go ahead.

You look like a pretty healthy guy. You like taking care of yourself, right? Yeah, I mean, I do. And I think that it's important to keep health in check because I think that your mind and body work together. So it's kind of important. Kind of important, right? Yep, exactly. What questions do you have for me about health, public health, your health, your family's health, kids' health, baby's health. I don't care. You get, you get a kangaroo. Well, I might not be able to help you there, but maybe,

maybe, well, you know, I think you're right. I mean, you know, we were talking about athletics and in the first part and, and about nutritional supplements and, you know, I think you're right. I mean, we were talking about athletics in the first part and about nutritional supplements. And, you know, there's a hot debate on what supplements work and what don't. supplements in general. I've seen people with kitchen counters full of them, but I've also heard that they don't do diddly squat. So some do, some don't. What are your thoughts on that? Well, first off, people have to understand that 85% of the supplements on the market are made by pharmaceutical companies. And those are synthetic. 92% in total are synthetic. So these are synthetic nutrients. I don't even know why they call them a synthetic. It's not a synthetic. So these are synthetic nutrients. I don't even know why they call them a synthetic. It's not a nutrient, okay?

It's a synthetic acid-based. It's synthesized. It's made in a lab. So I'll give you an example. What they do is these companies, they go out to nature, and they find something that's awesome in nature, and then they synthesize it. So perfect example, they go to nature and they take

the arceola cherry or the camu camu berry right these are a couple places where you can get vitamin c but then when you look on your vitamin c and your multivitamin or maybe you're buying vitamin c by itself or liposomal vitamin c if it says vitamin c and then in the parentheses behind it, it says ascorbic acid. You're consuming a synthetic. So they take like one single part of the whole and they say that's just as good. And it's not. It doesn't come with the full spectrum of all those bioflavonoids and cofactors. explained to me that where I could understand it was, he said, Tim, taking a vitamin C like that is like a young, is like this, this, this, this, this, this synthetic coming into the body. It's like somebody that picked up a rock guitar, electric guitar that never played before. And

they're just making a bunch of noise. Okay. And it comes into the body and the body doesn't know what to do with it. It might feel an effect, but it's actually lowering the immune system. Now, sometimes people will be like, well, but I take that and it makes me feel better. Well, there's this thing called the placebo effect as well, right? So it's twofold. It's actually threefold. There's another thing. So, you know, when people take drugs, they give them the sugar pills and sometimes, you know, anywhere from like, what is it, 12 to 73% of the people taking the sugar pills heal because they think that taking that is going to heal them. So in their mind, their body is powerful and it recreates those chemicals nearby and they heal themselves.

Right. So and then the third point is, is sometimes like especially with vitamin C, as an example, ascorbic acid can have a benefit. It can. Like for emergency situations, you need it. That's fine. But see, what we believe is why not just go to the source, right? Go to the source that's been billions of years of evolution. It works with the human body beautifully. It comes in and it's carbon-based form. We have a carbon-based body.

And then we do that. So that's what you're looking for, Dean. So you're looking for the carbon-based, food-based, herbal-based type of supplementation. And once you have that, so if it says vitamin C, parentheses behind it, camu camu berry, arceola cherry, omelet berry, now you know that you got a whole food source, right? But you have to look at the other ingredients because the other ingredients are also ingredients and you're consuming those. And unfortunately, that 8% that's left, a lot of them now, more than half of them, you'll see where they have a whole food source and they have a synthetic source too.

So it's kind of this blend. So those for me are out. Okay. If I eat brownies, I don't want cat poop in my brownie. So I'm not going to eat it because I don't like cat poop. It's not my favorite thing to eat, but I will eat a brownie. I don't want cat poop in my brownie. So I'm not going to eat it because I don't like cat poop. It's not my favorite thing to eat, but I will eat a brownie. Okay. So that's the way I look at those. Now, the same thing, another version of that cat poop is the binders, fillers, or flow agents that they put in these supplements. They're called excipients. These are to help because,

especially Americans, you know, if you take a synthetic and it barely fills up an eighth of a capsule and most of the capsule is empty, you're going to feel shortchanged when you buy that, right? Oh, yeah. You're going to be like, what the hell? How come these capsules? You're going to be calling that company and say, what the hell is wrong with you guys? Well, they have to fill that in. So what are they going to fill it in?

Magnesium stearate, silicon dioxide, dicalcium phosphate. These things are toxic. Silicon dioxide, as an example, level three toxin on the EPA's toxin list. Yet it's in most supplements. Check your cupboards. Okay. So these things are done that that's a filler. Now they do the same thing. Flow agents, these encapsulation machines that fill the capsules tend to cake up, especially with naturally occurring ingredients, raw materials. So they put these flow agents in there to flow the ingredients through so they don't cake up for speed of production. That's good for money, but not so good for your health. So you have to look out for these things.

We are like our company, Chemical Free Body. I built the supplements. We're a coaching company. That's what we do. We are education based because people have to get awareness and educated. We want to do it that way. We don't want to come from a fear standpoint. We want to come from an enlightenment standpoint. We want people to move forward towards something. Unfortunately, though, we still probably get 70% of the people coming to us today because they're moving away from something. They got diagnosed with X or Y or Z, or they're tired of being 50 pounds overweight,

or they're sick and tired of their skin. They're looking 20 years older than their friends, they just want whatever they want to get off the medications. Either way will help people. But the reality is, is people need to get their awareness and then they they need to move towards something. That's where that's that's a better place to come from. But so we developed the supplements because of my own frustration as a coach, reading the labels and going deep because it started for me in the food industry, actually. Like reading labels on food and reading labels on things I was drinking.

And then finally, when I added whole food supplements to my life, that's when I took my health up a couple of other levels. And I was like, whoa. And then I got in, I read a book called Supplements Exposed by Dr. Brian Clement. And it highlights all the stuff I'm talking about. It's crazy. And you're like, what?

And they actually show pictures of curly in photography, actually synthetic vitamin C versus a whole food vitamin C. They take an energetic picture of it. And you can take a six-year-old child and show them both of those pictures and say, which one do you like? And every time, they'll point at the full spectrum one. Just a six-year-old child naturally, instinctively knows that's what is good. Right? A six-year-old child naturally, instinctively knows that's what is good, right? And unfortunately, we get so busy and we're so inundated and we don't know what to do with our health. When we really do, good marketing takes over and they get us, right?

And they get us to start taking this stuff. Then we get this effect. We don't know what. And then we just keep buying it because we had an effect back in the day. But the reality is, is most of these supplements, the ingredients themselves are not good. And then you have the other ingredients that'll even draw down a little bit on the, um, if they put a good formula together. And I've already helped over a dozen companies that had good formulas,

but they had crappy other ingredients. Get that crap, get that stuff cleaned up. But the owners just didn't know. They're like, Oh, it's great formula. They send it off to the manufacturing plant and guess what? They put that stuff in there and it's, it's okay. It's a GMP certified facility. It's, you know, FDA approved facility, but in small amounts, they allow that stuff to go in there. To me, small amounts of cat poop and brownies is not good. And I sure as hell don't want something that's a level three toxin in my supplements, especially if you're

really trying to get healthy and you you're taking you know three four five six you know like some people have these big huge countertops full of this stuff they're they're they're grasping grasping trying to get their health and you know we usually can help them do that with a supplement review we go through their labels we educate them on it and then people start getting educated like oh my god like if you look at ours and if you can see this but and you see where it says magnesium stearate no silicon dioxide no that's why do i put that in big red letters because i want people's awareness they're like wow and then they go look at their stuff like oh man i got magnesium stearate in mine oh it came from diseased cow bones oh it came from genetically modified sewer coin or they were feeding that to the cows why would you want to put that in your body just doesn't make sense

even if it's a little bit so that's kind of the whole way to look at it so what you want is you want whole food herbal stuff and we took it to a whole another level where we we make sure that everything's sun-dried or air-dried under 110 degrees to keep the life force of the enzymes active so it's really important because it's not just the regular nutrients you think about like vitamins, minerals, trace minerals, there's hormones, oxygen, phytochemicals, enzymes. And in those enzymes, those are the carriers of electric, like, you know, electrons. We talk about this all the time. Biophotons rain down from the sun. They're captured on the leaf of a plant via photosynthesis. Chlorophyll is made there. And inside there, those amino acids and these enzymes are there.

And inside of those things are electrons. So when you're eating living food like sprouts or taking a supplement that's been cared for very gently, as you take it into the body, it's literally, and you chew it as far as food goes, or you take that supplement the body it's literally and you chew it uh as far as food goes or you take that supplement in it's actually going to transfer those electrons directly into your body boom like really quickly that's why when people drink our greens they'll feel like an uplift um just instantly as it's going in their mouth some people that are more sensitive right people that are like reiki masters and people that are intuitives they they really pick up on it a lot more than a lot of us that have been you know know, dumbed down with harmful of swallowed.

Please call, contact the Poison Control Center toothpaste that we put in our mouth every day and all this other, you know, glade air fresheners, all this garbage. So hopefully that answers your question on supplements. It does. That was great. I mean, you know, you educated me quite a lot there. And, you know, my question is, you know, it's overwhelming. Now I'm going to be spending the entire night researching and looking through my account. So how do I, I mean, you know, it is, it's overwhelming. So I know that, you know, nutrition and buying, you know, vegetables and things like that. But I mean, it's, I mean, what are some, you know, besides, you know, the supplements that you have, where can I go to, you know, just what, how do I need to educate myself on what to buy at the grocery store too? I mean, you know besides you know the supplements that you have where can i go to you know just what how do i need to educate myself on on what to buy at the grocery store too i mean you know well we actually um in our group coaching community that we have um when people join like when you purchase our products you can either just join directly or it's a it's a monthly membership and you come in and we give you all of our manuals. I have over $2,500 worth of manuals in there.

One of them is the chemical free body shopping guide. And it could have been a lot. It was a lot bigger guide. I necked it down and made it as small as I could, but I actually made a huge shopping list of things that are on the approved list just to make it easy for people when they're shopping. And there's a list of things to avoid in certain, you know, top 10 things to avoid or the top different sugars and stuff because they hide sugars. They call it different things. They'll call it like dextrose, right? And people just, they don't know that

that's sugar, right? Or xylitol from the birch tree, but it's still, I think, 65% sugar, right? So sugar, sugar, sugar. And, you know, some versions are better than others, I think, 65% sugar, right? So sugar, sugar, sugar. And, you know, some versions are better than others. I mean, if somebody was going to do a sugar, as an example, I would say, if you really want a natural sugar, I would do dates or date sugar or molasses. Those would be the ones I would recommend. But if you want things that are sweet, that are non-sugars, that are actually good for you and good for people that are diabetic or something like that, or you just don't want sugar in your body,

that are actually good for you and good for people that are diabetic or something like that, or you just don't want to put sugar in your body. Good Stevia, Stevita, Stevita brand Stevia. They have the liquid one. That one's not processed with chemicals. And then also if you're going to do the powdered, that's about 100 times sweeter than sugar, by the way. Like one drops like a teaspoon of sugar. It's awesome. But some people don't like the aftertaste of it, right?

But the Stevita one's processed different. And the people that don't like stevia, most of them can take it. They just do less amounts and it's OK and they don't get that aftertaste like about 25 percent of people do. Some people hate stevia. Well, it's probably because you got to process with chemicals. And if you're if you're taking the stevia that's powdered and it's white that means that was also processed with chemicals it should be green stevia is a leaf it's a green leafy plant and if they just took that green leafy plant and you know sun or air dried it for a couple days or you know 110 degrees 115 degrees that would dry and they would and they would gently grind up that green leaf it would become a green powder that's about 40 times sweeter than sugar that's when you know you have a good stevia so for you

stevia people out there that like it that's an upgrade if you don't like stevia now you can go back try the green powder if you've been doing white powder or try stevita brand stevia in the liquid form they they actually what i love is they um instead of using alcohol as a preservative use grapeseed extract which is awesome right so that's that's a naturally occurring substance that's also um going to help you boost your immune system right so we're trying to get away from sugar but when you when you put alcohol in something to suspend it to preserve it when you put the alcohol in your body what does alcohol convert to sugar so it's kind of an oxymoron there to to have a non-sugar stevia with alcohol base because it's

it's it's silly but a lot of people don't go to that depth right so for more information and stuff like that it's all on our website at chemicalfreebody.com you could join the group coaching and for our listeners i'll give you a heads up when you purchase products you get a one-time offer you can come into the group for pennies on the dollar and as long as you stick around you can you stay in there but even if you kick the tires for a month, you can keep all the guides and the manuals and that shopping guide. That's awesome. I mean, yeah, see, I didn't know a lot about a lot of this stuff. So I'm going to be, again, I'm going to be researching a lot of this. My other question is kind of, it's kind of selfish in a way in terms of, you know, what I like to do, which is skiing, and I'm a high

altitude mountaineer as well. And I've always tried to research what might help boost, you know, blood oxygen or red blood cell production, things like that. Do you, you know, is there a source? Or do you know the answer to that? I've kind of read mixed things. And then there's medical studies and stuff that are being done. But I don't, I don't really know if there's too many of them out there. Is there a place where I can go look for that as well yeah actually um this is a oh i'm so glad you brought this up because almost in the beginning of my career this question got brought up um by somebody who was going to go run i wish it was pat milicich he's one of my coaching clients um he's a ufc former hall of famer and world champ and he was going do the oh i don't think it's it's not

the bad one maybe it's the bad one it was a it was a um ultra marathon 100 mile race up in the colorado rockies yep the ultras yeah the ultra marathon yeah i know exactly what you're talking about yeah anyway i can't remember if it was the bad i don't think it was the bad water it was another one um i can't think of the name of it, but anyway, he's like, dude, I'm going to go up there and train. What do you got? So we put like a little package together for him. Um, a couple of our things and a couple of things from a couple of different other companies. And, um, I just can't speak to it clearly right now because I'd have to go dig up my notes and stuff, but there, there is, there is some stuff that we did for that. Um, and then I also did it again for, um for a gal who was a business associate that was a,

she was a lowlander, she called herself and she went to hike the ink up in the Incas, you know, in Peruvian mountains. And she knew it was going to kick her butt because they were just going to get there and start boom, go right up there and go hiking. So, you know, it takes a couple of days to acclimate and get those cells built up and stuff, the red blood cells and all that stuff. So we gave her, um, we gave her that, that little cocktail too. So, um, definitely could do that. Um, I would also recommend, um, in that case, we have a water machine that we hook people up with. It's at my purified water.com and, um, you can get this machine and it actually charges your body or your your water and your cells with molecular hydrogen which is pretty freaking awesome if you drink well you have to

be careful in the beginning until you get really clean you want to you start you just drink a quart of it in the morning and you put a little salt under your tongue afterwards a little like himalayan salt or whatever and um dude it's it's it's unbelievable like you can get high on water like i'm i'm i'm a little tired today because i've only had one quarter of it usually i have three by not three by now um i've just been go go go because we had a huge party this weekend everything but anyway like i drank three quarts of that water the first time but i eat really clean you should never do this if you get this if you go to my purified water.com and buy one of those units, do not, do not consume three quarts of this water. You will be detoxing so fast. It will put you in your chair. You will get sick. You'll have cold and flu like symptoms. You want

to do one for a while and work your way up. So I've warned you, but I drank three of them because I've been detoxing and on this journey for 11 years, eight years at the time. And dude, I was high on water for six hours. And then I called the lady up and bought the machine afterwards. And I've been high on water ever since. That's amazing. Yeah, it's freaking awesome. So there's just, there's a lot of things you can do, but yeah, we have some supplements and stuff like that that I could refer to you. Um, but yeah, that would be awesome. I love that. I think my other, my other question for you was, yeah, as we are getting into like the cold and flu season, I mean, everyone talks about

taking zinc and stuff like that. And what do you recommend for, you know, staving off and keeping your immune system boosted? Well, I think number one is stress, right? So when people are stressed out, most people have zero tools to deal with it. You know, most guys, let's be honest, we don't even, you know, I'm tough. I don't have stress. Leave me alone. That's, I'm not a wussy, right? So, but the reality is, is like you do, okay? Whether you think how tough you are, you can just, you know, I'm not going to say who it

is, but there's quite a few people in my life. They're dudes. They're very close to me and they have the John Wayne mentality, yet they're an absolute train wreck with their health. They're in pain. So if you don't want that in your old age, you've got to get your act together now. And even if you are in your old age, you can still get your act together because you can live now. In the present, you can start making changes. It's just changing your inputs, right?

So sleep is huge, and reducing stress is huge. I would say those two things are very, very important. Drinking copious amounts of water. You know, when they say cold and flu season, the reality is, Dean, is that there is no such thing as cold and flu season. What happens is, is that we have a lot of stress. We have kids going back to school. we have a lot of stress. We have kids going back to school. We have, and then there's Halloween and lots of candies and parties and Christmas parties and up late and stress and financial stress and trying to get the tree and the presents and make it and traveling and all this stuff and up late nights and more drinking and all this stuff. And we lower our immune system. The bugs are always there. Every single virus on this planet,

flu and everything, colds and stuff, and every bacteria on this planet, every mineral on this planet is in your body right now. Let's be clear about this. It's all in your body. It's when the immune system drops,

when the walls come down to the castle, then the bugs can get in. The viruses, the bacterias, the molds, the yeast, the fungus, the bacteria, they're kind of right there. They just start taking over, right? So we always have that. then the bugs can get in. The viruses, the bacterias, the molds, the yeast, the fungus, the bacteria, they're kind of right there. They just start taking over, right? So we always have that.

So it's not like some, you know, alien shoots a flu virus or corona into you. We always have this stuff all the time. Now, the corona thing being a spike protein from what we've researched from a systems approach is it's a man-made spike protein. So this is a version of the cold virus.'s a man-made spike protein so this is a version of the cold virus it was man-made and and put out there but irregardless what you think or your thoughts are in it it's out there it's not going to go away ever it's always going to be out there it's always going to be mutating and it's it's it has been mutating it mutates all the time that's what viruses do that's what bacterias do they mutate all the time. That's what viruses do. That's what bacterias do. They mutate all the time. You couldn't keep up. You couldn't give them enough names. If you, if you were to follow

all the mutations and the variations, you couldn't do this, but they do that as fear tactics to sell something. And that's what they've been doing with on, you see in the news, they come up with the Omicron and you know, this, the Delta virus, the version or whatever. These are things, fear tactics to scare people and sell them. I'm here to tell you, well, guess what? There's like a bazillion variations happening all the time in nature. That's what's going on. We have part of our immune system is called the, well, we have the innate and the adaptive, and we also have a part called the interferon system. And the interferon system of our immune system wants to take a hit it wants to do some push-ups so it can build up stronger chest muscles it wants to take a hit because when you have when you get exposed

to a new variation or whatever then it's going to build a thousand new variation defenses and become 1,000 times stronger that's called building herd immunity you're actually building your own immune system we're always always building and building and building and building our immune system. The time we are born, as soon as we go through the vaginal deal and we get all those bacteria and stuff start going in our mouth and our eyes. And then we start breastfeeding on our mom. Our mom's transferring all these very important antibodies into our body through breast milk. These things are very critical. And people have gotten away from that with C

sections and I'm not going to breastfeed. I'm too busy. These things. And then, and then parents are bitching and moaning and complaining later because their kids are sick and they got throat, nose and ear infections all the time. And they're blasting with antibiotics and they can't seem to figure it out. And they have to take time off of work. Well, you better get back to nature because we are nature. Your body's mostly made of water. That's a nature bacteria in your gut. Same ones in the soil. That's nature. And your body's

full. If you if you, you know, put you in an oven and cooked you, you're going to cook down to some minerals. So where do you where do you get minerals? Nature. So we are nature and we've just been detached from nature. And that's where all these problems are coming from. So to answer your question, number one is turn off the damn news quit getting stressed out living in fear mode get a meditation some breath work into your life get some good sleep start having a nighttime routine before you go to bed turn off the blue lights you know and start reading some books give your partner a foot massage and maybe she'll massage you too right and then just settle in and get some

good night's sleep and start focusing on that even if you think you're a night owl go to bed half an hour earlier and then a month later you go half an hour earlier until you can get closer to 10 o'clock and get closer to those circadian rhythms of life now to take supplements and stuff like that to boost your immune system absolutely that would be something that would be very wise today with 85 of the nutrients farmed out of our soil so our um green 85 is like a multi-vitamin multi-mineral uh it's it's this this product that i showed you that's a really good one and i'll just out of the bag carter even before my show i'll let you know we have a product coming out called v-stack and everybody who's a customer will get an email um very soon um about four weeks out, and you can preorder it.

It has naturally occurring vitamin C, vitamin A, vitamin D3, quercetin, zinc, and the fulvic humic acid all in a little two-ounce bottle, and you'll be able to get way more than you could possibly imagine in a way that's going to go through the mucous membrane in the mouth. And in 30 seconds, it'll be doused in your entire bloodstream. We are going to bypass the digestive tract where people have so many issues. They have so many issues trying to absorb things.

Only about 10 to 30% of the food and the supplements you're taking are actually getting through the intestinal lining into the bloodstream. You're going to have 100% uptake with this product, just just like in our turmeric 100 anti-inflammatory product and it's gonna blow people's minds because that is going to be a very easy way because people are spending dude like probably 140 to 400 bucks a month trying to put all those together in really good absorbable forms we did it all in one product so that'll'll be available pretty soon. So that's the breaking news. Inside City. That's my Christmas present.

Yeah. I'll send you a six-pack. Because he likes beer. Stop it. No, I love Carter, dude. Look at him. He's drinking water out of a glass jar. He's smart.

Hey, how much more energy and how much weight have you lost since you met me? Dude, I'm like through the roof. I mean, I, you know, I've got the, I've got my big 50th coming up too. So doing all that planning and I saw that that's when I probably have to show up. Yeah. That's probably a good idea. You should definitely, I mean, we can thumb wrestle as soon as we can meet each other. And then because of my, because of all that stuff that I'm taking now, I mean, watch out. All right. Well, Dean, any more questions, brother? Well, I think, you know, we touched on the nature, and, you know, human discovery in, in terms of nature, but also, you know, what we want to do synthetically and biotech and what's been going on.

Do you think that there's a balance that we're going to be able to have as, you know, as the future rolls on? Well, I think what's going to happen, I mean, the reality is I try to live in the present moment, but the reality is, is that unfortunately, people don't do anything until they have to. Right. So, I mean, I think we're kind of getting there. You know, when you have like half the people, half the people listening here today are going to die of cancer if you don't make some changes. And a lot of it's not our fault because of all these pollutants in the in the water and the food and the air and the i mean it's everywhere in the carpet and the clothes you're wearing it's like air fresheners all these things are off i mean they spray the

damn tv screens and stuff with anti uh fire retardants and stuff like that right so and those things cause cancer right they put cancer causing agents in most of the shampoos. It's called sodium lauryl sulfate. That's just one of them. So I think what's going to happen is, is that it's OK to advance technology, but you can do it with nature. Unfortunately, big businesses, I can give an example like you could take soy as an example, like Henry Ford did. And he built a car. And instead of using metal, he used soy.

Panels were made out of soy, and they were like freaking tough, like gun turrets on like destroyers, those things on those battleships and stuff. They made those, those were, you can make them out of soy, but what they do is then they genetically modify the soy,

so they can sell it to you and patent it, and it's just, it's a whole big long story about a whole thing. But, um, you know, we, we could do things in nature. It like, it's one of the things that I'm doing. It's like our company's chemical free body. I don't want to have anything to do with plastic or chemicals, but guess what? We have, um, some of our products are in plastic right now. I was literally physically upset and in tears when I started my company because we were going to use these other pouches that were made out of rice paper, and they're compostable. I actually wanted to put seeds impregnated in the pouches so that if they blew away down the road, flowers would grow out of them. That's got a goal.

Yeah. That's the goal. So we're still looking at this stuff. But to get started in business i had a mentor say hey look you got to get going first you can change the world later but you have the entire industry against you right now and everything and the pricing models and all that stuff and in in your profit margin is terrible compared to everybody else because the raw materials you don't skimp at all so it's's like, I'm, you know, next year is like when I'm,

we're finally after seven years getting to a point where we're profitable, you know, last couple of years, the first five years it wasn't, it was like using up all my funds, everything that, you know, it's a financial, I save, save, save. Thank God I did. I was able to push my dream forward and do this and bring this awareness and bring products out to people, which I wasn't expecting to do that. And, And now we'll have something that we can help people. But I'm looking into packaging because my goal is to be 100% chemical free all the way through soup to nuts with this company.

But I think it's possible. I think it's just really depends on, you know, the people that are listening, everybody listening here has to understand that you are driving industry with your purchasing dollars. So if you stop giving your money to companies that are screwing you and screwing the planet, then they'll make some changes or go away and you can start giving your money to companies that actually have a heart, that are giving good things for your body and

your family's body. They're not in it just to make a bunch of money. They're in it to change your life and to help provide a really good product. That's what it boils down to. So I think the only real way we can vote that actually counts today, because we know through the Truth, Freedom, and Health movement, I got my hat on here, we've discovered that the weighted race feature inside of these election software is like, why would your, why would your think about this?

Why would your vote go in as a fraction? Shouldn't it go in as a whole number, one person, one vote. Why would, why would the election software be set up to put your, your vote in as a fraction? And then we found out they were actually able to change them with a weighted race feature and give weight. So we know the voting stuff is compromised. It's selections, not elections. But you still can vote with your dollars.

And that's how we change industry, guys. That's how we have to get educated. And we have to start looking and reading labels. And we have to start purchasing products from people that, like I said, have a heartbeat. Solid advice. And I appreciate the education, on, on all that. So I'm, I'm going right after we're off the air here, I'm going to go and go through my cabinets.

That's awesome. Feel free to hook up with me through, through Carter too. I'd be a little. Absolutely. Well, absolutely. It's funny, just, just real fast and we'll let our enrichers go but um on that note i remember whenever i first started working with tim and learning all this stuff my wife is literally like in the cabinet she's like oh that's gone oh that's gone oh that's gone i mean she just so i'm just like that was like a brand new bottle and she's like it's out it's gone so anyway yeah we tell people like, look, get a refund, just get,

they'll send you your money back. Just get them, get your fricking money back. You know, if, if not, then just throw it out, move on. That's the best way to do it. Take it off like a bandaid quickly and just move forward with your life. And, um, and that's the best way to do it. Yeah. Solid advice. Perfect. Awesome. Thanks for coming on Dean. This was awesome. I really appreciate it, guys.

This is a lot of fun. We'll have to do this again. Yeah, we absolutely will. Maybe we'll do a follow-up. Maybe we'll do like a 4th of July, right? That sounds great. Let's do that. Hold on. Maybe I should coach Dean, put him on our products, and then if he wins a gold medal,

then we'll have him on. There we go. All right. In the Olympics. I'll take that challenge. For sure. Now you're talking. Hey, and Richard, thank you so much for joining us for another episode of the Health and Wealth Podcast Show.

I am your co-host, Mr. Chemical Free Body. Obviously, thank you very much for sharing all of your insights into giving Dean some things to go back and do some research on, do a little bit of homework. Normally he's probably the one giving homework. Now he's got some homework to go do. I got homework too, man. Cause I got to go look up that Dean. We'll have to connect. Cause I got to look up that, uh, red blood cell saturation deal for, yeah, they're great. Okay, cool. Can't believe I can't remember it. I need need some more ginkgo biloba. Actually, or bacopa maniera. That's another thing for brain tonic. All right, sorry, Carter. I keep talking.

We'll just keep on going until the sun goes down. Which, obviously, in Portland, Oregon, the sun's still up right now, right? Yeah, it's still out. It's just overcast. So if you're a duck hunter or goose hunting this is a great day for that but um other than that it's a pretty dreary out so time to snuggle up and have some some healthy chai tea lattes or something matcha lattes and snuggle up with your loved ones oh that sounds good that sounds like what what i'm gonna do so hey enrichers thank you again for joining us for another episode of the Health and Wealth Podcast.

As we mentioned on the show, to see all of our previous guests and all of our other recordings, you can go to our website at www.TheHealthAndWealthPodcastShow.com. I want to thank Dean Soames of 3 Bell Capital for being our guest on the show today. And my fantastic co-host Mr. Chemical Free Body himself Tim James. I am your co-host Carter Wilcoxon CEO and co-founder of Epic Services Company wishing you all a very Merry Christmas and Happy New Year. Until next time live a life of abundance and we will see you next time on the Health and Wealth Podcast Show. Thank you everybody. Happy Holidays. Hey enrichers thanks for tuning in to another episode on the Health and Wealth Podcast Show. Thank you, everybody. Happy holidays.

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.