Heroes in Business - Democratizing Estate Planning

Episode Date: August 31, 2021

When ePIC Services Co was taking shape, Co-Founder Carter Wilcoxson recognized The Eby’s depth and breadth and the valuable contributions they would bring to the team to elevate the client experience in this episode of the Health & Wealth Podcast Show.

Welcome to the Health and Wealth Podcast with your hosts, Tim and Carter. What's trending, enrichers? Carter Wilcoxon, 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, enrichers. Thank you for joining us again for another episode of the Health and Wealth Podcast Show. I am your co-host, Carter Wilcoxon, CEO and founder of CSI Financial Group and co-founder of Epic Services Company, which we are going to be talking about today. I am joined here by my fantastic co-host, Mr. Chemical Free Body himself, Tim James. Tim James, how are you, bud?

Hey, man, I'm doing really good. Doing really good. How are you? I'm doing spectacular. It's Monday. I got a little, for those of you who aren't watching and you're just listening, I got a little sun this weekend. Took the family for a little vacation in Newport Beach.

So that was nice. Got a little bit of sun, but it was overcast like two or three of the days while we were there, and it was absolutely perfect. Obviously, here in Phoenixoenix arizona you know a hundred you know triple digits we've had a bit of humidity this year because we've been getting a lot of rain the monsoons have been very active this year so uh but yeah just got back from a little family vacation in newport beach yeah man i'm really excited about our guests today because um you wouldn't really tell me what's going on today. So it's kind of exciting that I get to, I'm like a listener being a co-host today. That'll be fun. Yeah, yeah, exactly. So enrichers, listen up. And I'm stoked. I'm going to use that because

I was just in California. I am stoked to have our guest today, a couple that I have become very, very close with over the last almost 18 months now, I believe. Joanne and Matt Eby of Nth Degree Consulting. Matt and Joanne, can you guys hear us all right today? Yes, we can hear you loud and clear. All right. I can tell you, you're either really, really mad or you got a lot of sun. I did. That's what I'm saying. And it's funny.

I couldn't tell how red I was until I was on camera. So it's funny. Hey, Enrichers, you're in for a treat today because you are getting ready to hear information because of the specialists that are with us today in an area and topics that are not only typically, you know, mysterious, but it's also the amount of knowledge that the two of these, what we call, I call the dynamic duo. Matt and Joanne are the dynamic duo. Their amount of understanding in an area that they have come in through in the financial services, legal, trust world. I'm not even sure exactly what I'm supposed to say, seeing as we do have compliance that is part of this team. But I'm really excited for them to be able to share not only their backstory with us, but also where we are going towards the future with Epic Services Company. So, Matt and Joanne, if you guys have any questions before we get started? I'm just going to basically interview you, and you're going to tell everybody how you guys met,

which I think is an awesome story, by the way, and then your background and everything. And maybe individually, I'll ask each one of you. No, we've been looking forward to being on the podcast for a while. We've heard other segments of the the show and they've all been really good from what we've heard so far. So, you know, Carter, you've mentioned this to us for a while. And so, yeah, we're just excited to be here and hopefully we can provide some value to your listeners and, you know, go from there. Yeah. So why don't we start with the story? And Joanne, I'm going to bring you in here first. You know, take us back in time a little bit, even before, you know, Matt, and talk a little

bit about where you come from, right, where you were born and raised, and then what ultimately got you into the arena that you're in today. All right, Carter, I will go ahead then. I'm originally from Canada, and some people do hear a Canadian accent in certain words that I say. So I was born and raised in Canada. My parents were immigrants from Holland. They immigrated after the Second World War. And so born and raised in Canada, went to university in Canada and got a job. I was in a

financial services financial systems company for about 13 years. And we provided software for what is called the front, middle and back office for financial institutions, whether it be a broker-dealer, a registered investment advisor, a custodian, whether you were like on the front end doing brokerage or on the back end custody. And our company handled the software solutions for a lot of the major players in Canada. Through that company, I also got introduced to working in the United States because they had some major clients in the United States. And I was able to actually do sort of a year living and working in Manhattan for a large company that's actually not in existence any longer but I really enjoyed my time in the US and I

met Matt after I left that company I started working for a bank in Canada that owned a bank located in Chicago not having to work for that bank in Chicago and his audit team had come up to audit the global custody division that I worked for and that was the first time I met Matt it was it was in a work environment but I they sold our global custody division and all of a sudden it's like oh you know what am I going to do Matt contacted his boss and said you got to call this person Joanne she's great you got to call this person, Joanne. She's great. You got to hire her. And so I was actually hired by the Chicago division of the bank to work on the audit team. And even though I was still located in Canada. And so that was my sort of, I had a foot in each country, but that

was, that was the thing that enabled me to finally realize, you know, kind of, I guess it's a dream. And certainly I'm very happy I'm here. But just being able to live and work in the United States. I am a citizen now. So, you know, obviously continuing to live here. But that was sort of my introduction to this country i was able to get into the united states because of my experience with financial institutions cross border because i had done work in the us as well as my knowledge of the financial services software systems that were used my background is not what is called retail banking so it's not deposits and lending it's what is called asset management.

So that's where you get into the custody, the trust, the estates, broker deal, or registered investment advisory work. So that's essentially how I became introduced to Matt. And once I started working on that audit team, that's when I really spent a lot more time with Matt and got to know him first as a work partner. Yeah. Well, and so you are a JD.

Now, talk a little bit about why, and the enrichers always love to know, like, ooh, you're an attorney. Like, what got you interested in even going that route in the first place? And then, you know, where did you get all of your schooling? Was that in Canada? Was it in the States? Give a little bit of a background there. Well, that's a great question because I had done my education probably fairly typical. I got my undergraduate degree at a university in Canada, in London, Ontario. And then four years after that, because my degree was in English language

and literature, and like my mother always said, what are you going to do with that? And so unfortunately, I wasn't able to write the great Canadian novel. And I realized that I might need more of a business academic background because I was really drawn to corporations and businesses. And so I did go back for my master's MBA. And so as far as I was concerned, my education was pretty much complete. And in the financial services industry, especially in the United States, there are a lot of certification programs, but from a pure academic schooling,

I really thought I was done. And years pass and I already immigrated to the US. Matt and I were already married and our son was heading into his, I think he was finishing up his junior year in high school and Matt said to me, well, when Ben goes off to college, what do you want to do? And I said, well, I don't know. I said, and he said, well, what about going to law school? You always talked about, you wished you'd become an attorney and I said I can't do that like it's expensive and I and he said why can't you and I looked at I remember looking at him and saying well

I mean like it's a big deal it's a lot of money and a lot of time and and Matt just said if not now when but you know what and that's the thing with Matt. I mean, just always, I always felt like he had my back and encouraged me. So long story short, when our son went off to college and he left and went off to college in Canada, that was the same year I started law school. I wasn't full-time law school, but part-time law school, they require you do it in four years. Full-time is three years. So it was still a push. And we had some semesters where Matt virtually, I don't know how I would have gotten through it without him. I mean, he dropped me off, he picked me up, do like all the background stuff so that I could focus on law school. And we kept our business going as well during that time. And I think Matt was the proudest of all when he took Ben and I when we both graduated the same month, four years later, and Matt took Ben and I out for a celebratory dinner. And he was looking at us and Matt was so proud of each of us. So

that was kind of my story of law school and getting my JD. I'm also a barred attorney. I did sit for the bar. And that was interesting as well, because once I got my JD, I thought, that's fine. I don't need to actually be an attorney because in my field compliance, you don't need to, you know, be barred. And it was our son who looked at me and said, mom, you've gone this far, just sit for the bar. So it was another three months of like, oh my gosh, studying for the bar. But yeah, I did, I did do that. And I am a barred attorney. I did do that and I am a barred attorney. So do you want to give any type of indication on where you ended up going to law school and where you're barred?

Or do you want to keep that down low? No, there's no secret there. There's an interesting story with the law school because I was living, we were living in the Chicago land area. And I thought when I was first dipping my toe in, I'm like, what do you have to do to go to law school? Oh, you have to write an LSAT. Okay, then what? How many law schools are like, once I got my LSAT score, I'm like, okay, it's not bad. And where would I go?

And so there are seven law schools in Chicago and four of them offer part-time programs. And so I applied to two of them got accepted to both I went to at the time it was called the John Marshall Law School in Chicago but since then it has merged with UIC University of Illinois University of Illinois Illinois in Chicago so they but at the time I was there, it was a John Marshall Law School and they had a great part-time program. And some of my most interesting classes

were the night classes where you, the diversity of ages and career backgrounds. I can't not tell you how many police officers, you know, who are reaching the end of their police career would sit in those night classes and it was just like interesting. And medical doctors and retired pilots, it was really, really interesting to get those different deep levels of experience and background. So those were some of my most interesting classes. I am barred in Illinois. I have not had a need to be barred anywhere else, although if it was necessary, I would, I guess,

sit for the bar somewhere else. But when you do work as a compliance officer, you're not practicing law, not in a courtroom. And so I don't, I don't need to actually, you know, you know, be barred anywhere else. But I am required, as you heard me say, Carter, if I'm giving you advice that seems legal. This is not legal advice. I'm not charging you because I'm not practicing law in a state that I'm not barred. So, so that's where I went to school and where I'm at. So that's where I went to school and where I'm at. Yeah, that's that's that's awesome. So so the really it wasn't like you were attracted to being an attorney. It was because of the financial services that just led you eventually to getting that. And then I think you said it was Ben that said, Mom, you got to go ahead and sit for the bar, too. You got to sit for the bar.

He knew. And I think he was the night before he left for college and we were taking him to the airport the next day. The night before, he and I were out walking our dog. And he said to me, why are you going back to school? He said, I'm leaving. You can enjoy life. And I said, well, what am I going to do? Garden? Go shopping? Cook? That's not what I do. I said, I just I think I'm really excited about law school. And he just said, well, I think it's crazy.

He said, because you're you're going to fail. I said, what do you mean I'm going to fail? He goes, well, he said, I've been a student all my life and I know how to be a student. You haven't been a student for decades. And he said, you don't know how to be a student. And I thought that was very wise advice. And when I did start law school, and it is a shock and is certainly a shock coming to it at a later age, I had to remember that. And I did, you know, during orientation, they had some advice that was literally like you could take extra classes for free on how to study. And, you know, different medium is available now. And so the amount of audio listening I was able to do commuting to the school and watching

videos things that I never experienced when I was a student and so the way people learn has been expanded I think by the different mediums so it was it was interesting awesome awesome well as I said before the show got started this may end up being one of our longer ones because we have two guests today, right? We are joined today by Matt and Joanne Eby. I call them the dynamic duo enrichers, and you're going to get to learn more about that in our second segment. But let's go ahead and transition over to you, Matt. you, Matt. Your background and experience and the amount of time I've gotten to spend with you has really, as far as I'm concerned, highlighted and empowered me because of your incredible

background and your story. And why don't you share with the enrichers kind of what got you into the financial services or the trust world or whatever it is that you want to, you know, deem it that the consulting firm was, you know, born from? Well, as you know, Carter, I've been a teacher and a professor, a lecturer for more than 20 years in the financial services area um you know doing different programs for different organizations around around the world i've i've done things internationally and domestically etc so anyway but what i share with my students in telling the back story is that in being from, I call it from the trust industry, a lot of people don't even know what that means, but I'll say that like a lot of people that are in the trust industry, they just simply were walking down the street one day and fell

through the manhole cover and wound up landing inside the trust department of a bank. It wasn't one of those things that you went with show and tell in second grade and, you know, went into the, in front of your classmates and said, when I grow up, I want to be a trust officer in a bank, right? As opposed to being, you know, a policeman or a, or a, you know, a pilot or whatever you would say as a show and tell. you know, a pilot or whatever you would say as a show and tell. So that's exactly how I wound up in there. I had a friend of a friend of a friend who was a manager of a, in a, in a trust department in Chicago. And I graduated school as with my undergrad and I didn't have a job. And, you know, from a friend of a friend of a friend, they took my resume and they hired me. And that's basically how I got into the trust companies

in Chicago at the time. And I was just talking to our son yesterday. Actually, it was on Saturday, so two days ago. And he's, you know, he's in the industry as well. He's a consultant in the industry as well. And I said to him when I first started, it used to be at that time where security deliveries in the streets of Chicago, you know, these were over-the-counter trades and settlement,

that there used to be runners that would go down the streets with briefcases of securities handcuffed to their wrists with armed guards, literally armed guards, going with them, walking up and down the streets. Now, this happened in New York, and it happened in L.A., and any place where there were over-the-counter trades. So this was physical trading environment, and it's within my lifetime. So this is only 30 years. Now, there's none of this. All this stuff is electronic. You don't see any of these kind of things happening any longer. But it's been in that short of a period of time that all this technology has really kind of taken over.

And really now it's a much safer, faster, more financially driven environment, you know uh you know kind of innocent beginning i wound up uh in chicago working for probably the arguably the premier trust company in the world the northern trust and you know actually their golf tournament is going on today uh you're probably you know you're you're a golfer and you know so. So they had that event carried over from the weekend. But anyway, Northern Trust at the time, they were preeminent, still have been able to maintain that even with all of these technological changes. So it's actually been pretty remarkable for me to watch them grow and watch them to be as good as they are, arguably the best in the industry at what they did. So I started my career there and I was with the best people at that time learning how to understand, you know,

understand the trust industry from all facets because they were in all aspects of the trust industry. Then from there, as I've told you before, I was another organization that was in Chicago where I went from the trust industry. Then from there, as I've told you before, I was another organization that was in Chicago where I went from the trust business at the Northern to then arguably the premier consulting firm in the world, Arthur Anderson, Anderson Consulting. Now the folks at McKinsey would probably raise a fuss when they, you know, etc. But I worked at Anderson Consulting, and the problem, of course, is not a secret. Enron created a problem on the audit side at Anderson Consulting, and now they divided up into productivity and Accenture. So that was divided off because of that problem with Enron at that time. But those were the two organizations that I started my career off with. I love the aspect of being in the trust industry and,

you know, branching out from there to all aspects of what trust industry meant and then really enjoyed my time and interesting consulting and that's why I created nth degree to be a consulting firm in the financial services industry but really really focusing on those areas in the trust side of the business and then as Joanne had mentioned, that has spread out into including all fiduciary business, which will include RIAs and broker dealers and other aspects of the industry that weren't, it wasn't that case at the time I first started. So anyway, that's kind of how we got to

nth degree and how we have grown. And really it's been a combination of those two things. My interest of helping others understand the industry and consulting with, you know, organizations like you, you with, you know, executives like you as well as industry practitioners, and whether or not that they're, you know, one time I was in a school that I was training, and I was asking people for their years of experience, and one person had 29 years of experience, and another person had minus seven days. So that meant that they were actually starting in their job the next Monday and they were just coming through the door to learn.

So we had that gap and trying to make the program relevant with that degree of experience in there was sometimes very challenging, of course. But it wound up where I see many of those people still in the industry, and many times we're actually teaching or working with the sons or daughters of the people that were in our programs 20 or 30 years ago, and it's very, very rewarding from that perspective. But that has also led us to be able to have a market for delivering services as these people have become, you know, professionals or executives in their particular professions or they've opened their own firms or they've gone to other firms to, you know, give us word of mouth recommendations. So that's how the magic has all come together. And we've built our proficiency and our expertise either through, as Joanne said, formal education like getting a law degree or through informal education by teaching and then getting certifications in the industry. So we both of us have numerous certifications. And in fact, we've developed certifications and, you know, trained people to get those certifications over the years. So that's kind of the backstory for

how we got to where we are. Yeah. So, so let me, let me go ahead and ask this question and, you know, and thank you for, for that background. Uh, and I know maybe we'll get into it a little bit more, but because this is a very fun show, we like to be fun and everything. Um, I want to hear from your perspective, Matt, on what was it about Joanne that you're like, I think I'm going to ask her out. Now I'm making an assumption that you asked her out. Maybe it was the other way around, but how did that connection really happen? She could drink a lot of martinis. Not as many as he could.

So, you know, I mean, honestly, Joanne, as you know, Joanne is a very, very, very smart person. I mean, she has not only is she quick-witted and understanding, you know, humor, et cetera, which is always endearing when you're dealing with somebody from a work perspective, but it's also she was, you know, she took the job seriously. She also had people around her. Her team really respected her. But not only her subordinates, her superiors respected her. And they wanted her as part of their team from the top to the bottom. And I know that when they sold the Global Custody Division, as she mentioned before,

the senior people were trying to find a place for Joanne to be placed inside of the organization, and they were struggling because they didn't have something else that matched very well. That's why the other members of my audit team, so it wasn't just me, but it was the other members of the audit team, so it wasn't just me, but it was the other members of the audit team, we went back to the senior people in Chicago and said, we know somebody north of the border who you probably should talk to. And then after Joanne came into audit, after I left, when I left the bank and started in degree, Joanne was actually hired as chief compliance officer for the asset management wealth division for the bank in Chicago, the US-based bank. So, it was those, it was

the personality, the drive, the taking things seriously,, the value that she was going to add to the organization. That was, you know, really kind of the, the connectors for the original connection. And then, you know, it was, I knew she was a single mom. I met Ben. He's just the greatest kid ever. You know, so there's all this kind of, you know, things that became connected for me. And, you know, I was kind of out there on my own in Chicago. And it just started, we just kind of started hanging out more and more together. I'm a hockey player, you know, that's how I got scars in my face and teeth missing and whatever.

So, and Ben was a hockey player as a kid. And so we skated together and all, you know,ated together. So there was a lot of mesh with that. And also both Joanne and Ben played hockey or played golf. And so, you know, there was the sports connection. There was the family connection. There was the work connection. And, you know, when you have all of that stuff, like you and Christina, when you have all of that stuff together, it's not really a lot of work.

You know, it's it becomes really, really fun to be together. You know, we still to this day, all three of us enjoy just kind of hanging out. So so so let me let me put you guys on the spot. Yeah. What was your official first date? Where did you what was your official first date where did you go for your official first date um official first date you mean like where i had asked her out and then yeah yes yeah i mean there there's there's a courting right it wasn't like you're like hey we're you me we're we're in this right let's let's do it like it It wasn't like, you're like, hey, you, me, we're in this, right? Let's do it.

Like, it wasn't just, like, there had to be some sort of courting, right? Wasn't there? Well, it's hard to say because we worked together. It migrated. It migrated. Yeah. So it migrated from, you know, it migrated from business lunches to then, and this was after Joanne came to the U S where it became more of a personal connection, you know, it was after, you know,

Ben and Joanne had migrated from Canada and they were in the U S that it became more personal than it was in Canada. So, and it was, it's hard to really say, this is the first date thing. And it was probably something where we are sitting in the living room and Joanne's house and I was then, or Ben fell asleep and I probably put my arm around her or something like that. You know, one of those really kind of just, it was so informal.

It's hard to really say this is the first kind of date thing, right? I don't know. Because we had been working together. Yeah. And so on. Although I will say that, you know, when I first met Matt, even though it was a work relationship, I just really enjoyed working with him. He was somebody, because he was so smart,

and the way he shared his knowledge, because I didn't know the trust industry, and they wanted to hire me as an auditor. I'm not an auditor. I'm not an accountant. I don't even know the trust industry, and so when I was hired, and Matt was the one that was tasked with kind of coaching me through what is called the subject matter expertise because Matt already recognized that I had a lot of the background necessary like global custody and and a lot of that front office stuff that I had done with that software firm and I really admired the way he was able to sort of, and I'm not even going to say teach me, but coach me. And that's a skill. And then, you know, seeing the way and just how he brings humor into play, he cracked me up a lot, but not because he's making silly jokes, but it's just like that dry wit really kind of, I found interesting, but also just knowing him as a person and the way he was like, you know, sometimes you meet somebody and the way they are with dogs and children says a lot and just, you know, and this was even before

we had a dog, but just any dog, Ronald would just be like, they'd see Matt and they would think, wow, you know, so there's a side to Matt that was always just very interesting. And it was always comfortable being with him. And so it just, as Matt said, it just migrated. And we are together 24 seven. And, and to, you know, to kind of, you know, share with you, you know, Carter, as long as you're asking, there was three of us. So we had a third partner in here involved with us who was really my manager in audit. And her name was Stacy Gold. And Stacy was with us. So we were kind of the three musketeers, if you wanted to call it that. And when we were working in Canada together, it was the three of

us that worked together. And then Joanne had another kind of partner, whatever you want to call it, a close friend, and her name was Pat Rogers. So between the group that was, you know, the Joanne and Pat on the business side, and Stacey and I on the audit side, we were able to do a lot of really good work. You know, it was, it was, you know, Pat was more of a business analyst. Joanne was a head of a segment in global custody and Stacey and I, Stacey was actually my manager. Stacey left and she went to work directly for the SEC. And so, but she was part of Nth Degree at one point. She was a partner in that degree.

And so and then Stacey went to work directly for the SEC and kind of left. But we were you know, there was three of us involved with this at the very at the very beginning as partners. And so, yeah, it's so hard to like delineate whenever it became different, you know, and when it became the family business. And then, you know, it's like I'm saying Ben interned with us because when he came back from university, when he was a kid, right. So he's, he's, he's 17, 18 years old. Well, we can't leave him at home and we got to travel. So Ben's with us in the, you know, in the back of the car and he's with us at the client

and he's working and he's doing whatever activities that he needs to do so he's learning the business well one of my students is a is is a is a a senior person and at the firm that he works for and when he graduated she contacted me and said she wanted to hire Ben right off the bat because she knew that he had interned with us and had all this experience. So he had already had 40 years of work experience as an intern before he had graduated school. And he's still working for that firm today, 10 years later or eight years later. And he's still working for that firm today, 10 years later or eight years later. Talk about coming up to the family business and having some great opportunities, which I say this on a regular basis, right? We are in the knowledge for and the direction and how we all, you know,

the three of us got joined together and what we're doing moving forward. But before we get there, Tim James, is there anything that you, you know, want to ask about, you know, with some of their background and their experiences in the trust world? Like, you know, Northern Trust is a very, it's a very well-known, arguably the number one most well known and well-respected trust company in the world. But do you have, do you have any, anything you want to ask about? Sorry. Can you guys hear me? Yeah. Okay. Like I'm having trouble with my headphones. Yeah. Well, I think I'm,

I think I'm good there. But I think what we've discovered today is that, and thank you guys for sharing your personal side of things. I'm still waiting to get Matt to crack a smile over here. Oh, there might have happened. Oh, he's very serious. I smile more on the inside, Tim. Very serious. I smile more on the inside, Tim. That's good. We need more of that. We need more of that.

But no, it's just your, like I said, I appreciate you guys sharing. And I think that we've learned today that attorneys and trust experts are people too. And they have feelings, right? And I like the story about Matt being good with dogs. That tells me he's a good guy. So, and he might be, we might have a real life happy gilmore here with that hockey background going out in the golf course i don't know you are you the long driver in the family uh not compared to ben anymore ben yeah ben is uh over the top now it's it's it's amazing uh he's he's he's basically self-taught but but he joined a club when we were doing a lot of work in Wilmington, Delaware, and he became a member there.

And even the serious players there would want to have a round with Ben because he became a pretty decent golfer. So, yeah, he's probably at, you know, I would guess he's averaging a little over 310, 320 on the drive. So he's really, really long. Yeah, that's awesome. All right. Well, I think it's time. We're going to take a quick break. When we get right back, we're going to talk about an nth degree financial services and how Epic Services Company came to fruition. We'll be right back. Are you concerned about being able to get all of your affairs in order during this trying time? Are you troubled by what would happen if you ever became incapacitated?

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professional support at levels you never thought possible for setting up your estate plan. Moreover, we will provide you with powerful, user-friendly dynamics that put you in total control of your plan throughout your lifetime. Call us today at 888-316-6040 or go to www.csifinancialgroup.com and our team of specialists will be there to assist you every step of the way. What's up, Enrichers? Tim James here with my co-host Carter Wilcoxson. In the house today, we've got Matt and Joanne Eby, the dynamic duo, as Carter calls them. And now we're going to get into, Carter, what is Epic Services and Nth Degree Financial, and how do they come together? What's going on over here?

Yeah, so Nth Degree Consulting officially, right? Is that right, guys? Nth Degree Financial Solutions. Okay, fine. Okay, I knew it was Financial Solutions, Consulting, all those different things. We just say Nth Degree, right? solutions, consulting, all those, all those different things. We just say it's a degree, right? Well, you know, Hey, it has been, I want to go back, answer the question that Tim is talking about, like what's Epic services company. So let's go back from the very first time that we met

in Las Vegas, some 15, 16, 18 months ago. and I was sitting across the table from you, ironically, at the Cheesecake Factory that my better half, Christina, mentioned in this podcast earlier, actually opened when she used to be a national trainer for Cheesecake Factory, which was very interesting that you guys just happened to live basically right down the street. So why don't you, from your perspective, talk a little bit about what I was trying to share my vision and overall on why we were trying to form some sort of a relationship with Nth Degree, because we were introduced to you from Gavin Finley from Trust Management Network, right? He said, hey, if you're going to even think about starting a trust department or a trust company or, you know, wherever you want to go, you absolutely need to

have a conversation with Matt and Joanne Eby. So why don't you guys share a little bit about what you remember from that day and then how ultimately Epic Services Company came to be? And maybe that's more for you, Matt, or maybe more for you, Joanne. I should have specified. Yeah, it was interesting because we did get sort of the, Matt had a conversation with Gavin and Gavin said, oh, we should meet these people. But I'll be honest, it was not the first time that he had hooked us up with people who kind of had the idea that they wanted to start a trust company. And what does it really mean and so i think gavin had earned over the years that they that he can just introduce them to us and we can

pretty much talk them out of it so and that's typically how it went because it's not for the faint of heart and it is a serious business and so you know what what's what's your purpose why do you want to start a trust company? And so it was intriguing to us that we were going to be able to meet you in person because normally these were either phone calls or just kind of a video meeting. And because you guys just happened to be in Las Vegas, it was yourself and- Our CFO. And so we did meet, but for Matt and I driving over there, you know, we, we just sort of,

we didn't know what to expect. And so when we showed up, one of the things I know, and I was talking to you, Carter, and, and I didn't mention it, but one of the things I loved about law school was just really the laws themselves, the rules, the regulations. So I'm really kind of driven by that. And so I did remember talking to you and saying that one of the things that we were interested in as a business was working with a company and being able to work with a company that was building it because we would want to help them build it right. Because we have done so much work for organizations in trying to fix it after it goes awry. And I remember talking to you about that Carter and I didn't know how you would sort of, you know, accept that because it's almost like, you know, do it right the first time or, you know, we're not interested in working with you.

And I don't, I was hoping it didn't come across that way, but it's something that became sort of a passionate project for Matt and I, because we had worked with some companies that were de novo or startup and, you know, it was sort of more interesting working with them because it's like, well, here's how you put the right building blocks in place so that you can do it correctly, as opposed to just seeing the complete disaster and then trying to pick up the pieces and fix it as you go. And our company got a bit of a reputation for many years as being the go-to company for organizations that ran into trouble with their examiners and word of mouth.

And so, you know, we just kind of, if we were hired by a company and we keep it very confidential and we won't say who our clients have been, but there was one client and they wanted to kind of put our information on their website and we're like you i don't want to do that because you know um other people in this country are going to know and say oh that company is everything okay there because why else would matt and joey be there and that's not a reputation we'd like to also help companies build it. So we've done wonderful work for organizations helping build compliance programs or build processes to make things work really well. And so as we've been in business over 20 years, we're leaning more toward clients that are interested in this. Like, how do we do it right can you help us and so when we met

with you Carter that was the one thing I know I was stressing and just kind of and I really didn't know how you would take that but apparently you resilient you are resilient because I know as you know my story is I didn't want to have anything to do with this yeah I thought that this was just crazy and really didn't want to have very much to do with it at all and didn't think that it was a very good match between what nth degree could do and what you guys needed. I thought that there were other solutions for you. And really, that's basically, you know, I mean, that's kind of a of a you know that you know the rest of the story i had a lot of conversations with uh earl and you know other other folks and joanne put a lot of pressure on me to uh to hear the the remainder of the story but now we're here 18

months later and the uh it's refined quite a bit now into moving into the Epic Services arena and becoming a lot more of a wholesale distributor of opportunities. And the thing that really caught us from the beginning, of course, is to bring these services that are trust and whatever that seem to be up in the clouds to bring these services to the masses, to democratize them, to bring them down to out of the clouds and bring them to the everyday people who might need these services and have their families benefit from these services in a very easy and understandable way. And that's basically the reason why that we were a lot more interested in that type of an approach over the, you know, as we discussed this more and more and more, and then understanding more about how you were going to do that and your

distribution mechanisms and the business model and your target market. And then of course, the mentor mentee network with the, as you just mentioned, Scott Garcia and Lisa Camacho and Rick White, they're all fantastic people. Rebecca Shriver, no more, you know, there's nobody with more energy than she, I don't know, maybe you Carter is you, you guys could get into the wrestling ring maybe and go at it. But anyway, it's like it's those that, you know,

it's that type of dynamism that is really, really, it's different in the marketplace. It is a fantastic business idea for the way that you come about doing this. And so that's, that we became a lot more, quote unquote, sold on the concept as we moved along here. And I still think that this is a phenomenal design. I think your ideas are really cutting edge. It's just a matter of getting this, getting some traction and getting the, you know, attention of media or whoever this is once that it comes about. There are some things that we need to work out the, you know, the rough edges on,

et cetera, as you know. And, but once that this starts to occur, I still think that this is a cutting edge solution, and I think that it's really going to work for a lot of people. When you have people like the mentors, Scott and Lisa and Rick and other people, Rebecca too, when they're delivering in their communities, when you have local distribution and people like that who care about the people that they live near and, you know, their families, their kids go to the same school as their kids, you know, their clients' kids, et cetera. When they deliver these services and it's so localized like that,

and then they can have access to, et cetera, when they deliver these services and it's so localized like that, and then they can have access to, you know, the level of service that's really where that these services need to go. of the private world and became democratized by offering pieces of those investment pools through mutual slices and mutual fund purchases. A very similar kind of a thought when you're distributing this type of trust and estate type of service and planning and documentation at the level that you're bringing it to with the ease and expertise of your network, yeah, this is, as you're saying, cutting edge or very, very dynamic. So that's what Epic Services is leading into, So that's what Epic Services is leading into, the distribution aspect of this for the estate planning, as well as the other pieces that you put in place. So we're really looking forward to all the things you generally you always think your idea is like the the greatest idea and you know whatever and um but one of the things that you've said is that you've been in

that industry that you're in you come from it you've trained it you've taught it and what what i shared with you and the vision the overall, everything you're like that doesn't exist. Right. So so it's hard to compare something when people ask me, you know, Tim's like, well, what's Epic Services Company and what's it going to be able to do and all this stuff? It's hard to give a comparison because to your description, Matt, whenever I share the overall vision and the ecosystem that's been created and the client experience and that knowledge for profit that we talk about. And you said nothing like this exists. As far as I'm aware, nothing like this exists. Now, you saying that means something. And that holds water because in the first segment, as the enrichers were listening, you come from that world.

Right. And democratizing and making it available to the masses is what we are ultimately doing. And that's why Epic Services Company is going to be the preeminent estate planning solution ecosystem for advisors and their clients throughout the country. So any part of that that you want to, you know, touch on, maybe even you, Joanne, as compliance, right? The inevitable chief compliance officer for Epic Services Company. Anything there that you want to touch on and expand? Well, let me just make one more comment so it's easier for people to understand. Okay. Including Tim, including yourself, Carter, potentially from not being from the industry. What happens is that, you know, going back now almost 100 years and going back to the Great Depression in the 20s and early 30s Banking was divided up and you had all these financial

services were segmented off. And if you think about it yourself, even right today, if you need insurance, where do you go? You probably go to an insurance company, even the commercials on TV. If you're going to buy auto insurance, you probably see Geico or one of these other insurance providers out there because they're offering you insurance. If you want brokerage, you go to a broker dealer house. If you want banking, you go to Wells Fargo or you go to whatever bank is around. You don't think about them crossing over and providing the solution set for all of your financial needs. You would rarely go and think about going to an insurance company to provide you banking services. But the thing that you are bringing to the table is you're bringing through Epic Services, all of that underneath kind of this stuff, starting off with the estate plan that somebody would have. Well, their target market are going to be people who are thinking about, one, life insurance.

That's probably people that are greater than 60 years old, maybe greater than 70 years old, not sure exactly what the target market is. But then in the same breath, they're also going to be concerned about estate planning. That's a great target to be in. Then you also have the 68 or whatever it is, $75 trillion of assets to And these are mostly captured inside of a handful of companies like the Northern Trust. kitchen table conversation between Lisa Camacho and Mr. And Mrs. Smith or whomever that she's talking to in order to let them know about how easy this has become because the original design of this is no longer valid.

You don't have to go to insurance company for insurance. You don't have to go to a bank for banking services. You don't have to go to a trust company for trust services. You can sit on your computer with Lisa right there next to you, have your estate planning done in 90% in 90 minutes or less. That's the real deal. But remember, these people who are 60 years old, they grew up in the old environment. They think most likely that they have to go to a trust company for trust, a brokerage company for brokerage, bank for banking services, et cetera, because they grew up in that environment where these things never got cross pollinated. And so I think you need a good analogy there, Carter, to talk to these older folks, because my dad really wanted to meet with an attorney in person.

He's like, I want to see him face to face. You know, I was like, you can just tell him. Well, remember, there was a point in time when bread wasn't sliced. Remember when it was really cool when they sliced it? Like we just kind of put everything together. It's just, you know, maybe we need a little analogy for them. Yeah, you know, that's probably a good idea. I will tell you that one of the things, and I've totally taken this from Matt, but what was supposed to happen in 2030 happened in 2020, right? So the demographic we're talking about has been forced to become comfortable accepting, if you will, online in virtual meetings, right? We're doing this podcast right now. Matt and Joanne are in Florida. You're in Portland,

Oregon, and I'm in Phoenix, Arizona, right? And we can do this live right now, right here. We can record it. We can have audio and video and the whole deal. And what we are doing this on is a system that's in the cloud. This isn't a download. You don't have to, this is a system that's all in the cloud. You guys clicked a couple of buttons and then you just showed up in this room, right? Pretty simple. Well, that is, and as far as I'm concerned, and you're right, you know, there will become, there will come a time when that won't be necessary because I believe that what we're on the precipice of and what Epic Services Company is really designed to do with the inevitability of the idea that will also apply to get our trust

power to become a trust company for everything that we'll be able to do. And that's why we have, sidebar, just real quick, that's why we decided to go with nth degree because of the amount of expertise that they have informing it and building it correctly from the get-go. But my point here is that eventually this will be the only way you do estate planning, financial planning, all online. We just happen to be well ahead of the game and ahead of the curve with what it is that I've shared, you know, my vision with Matt and Joanne. So do you guys want to talk a little bit more about, about that? You know, the, the overall vision, I guess, from, and, and,

and by the way, enrichers, they aren't wondering what it was. I just got there saying, Matt has an amazing ability to take all of my ramblings, which they can be, and kind of sort of like, okay, let me go compute it really fast. And then he comes out with this very seamless and amazing rendition, his own. Well, let me translate what carter just got through saying that so joanne joanne says that matt is the master of the obvious that that's her that's her quick uh and you know it winds up where when i do repeat what you just said or if i you know um make it

concise right it's basically just repeating what you said in a more concise manner. It's it's obvious, right? And that's it actually as far as I'm concerned the highest compliment that you can give me is that that's obvious Okay, and that means that any fool can make things can complex but it takes a genius to make things simple That science That's Einstein. Okay. And so that's what that, and that's really how we have to boil this down. The sequence of this, if that's what you're asking about, the migration of Epic services goes from the distribution of these services, the distribution of these services, right? From the front end of this through mentor mentee network, then it goes into a migration of getting your trust license to bring that in

so that the distribution network has access to more than just estate planning and life insurance. Safe money is what there is their turn. I'm not from the industry so I'm borrowing their turn. So if somebody is a richer is looking at this and their insurance license only you know what I'm talking about. And then it winds up where once that Epic Services becomes Epic Trust Company or Epic Services with Trust Powers, then the insurance license only distributor, the agent, winds up having access to more than just safe money. Because then the trust company can talk to the client about the at-risk portion of the portfolio,

the at-risk portion of the portfolio which then makes the agent the trusted advisor that's the vision then it rolls through into from the trust company to outsourced investment management services on the platform world class that's really how this seamlessly flows from Epic Services through Epic Trust Company to the outside investment advisor seamlessly. together, the way that you're able to kind of bring in that distribution network and the other partnerships you already have in existence, including trust services, it's almost like it brings wealth management to the masses, to people who traditionally thought, you know, there's no way I can ever go to, you know, nevermind Northern Trust. I can't even go to my local bank's trust department because I'm not rich and I don't have that much money., I can't even go to my local bank's trust department because I'm not rich and I don't have that much money. And I don't want to look stupid and I don't want to look like a hillbilly and I don't

want to look like I'm lost and I don't want to look foolish and whatever. So all the, everybody has, you know, kind of, not everybody, a lot of people have that assumption that if I don't have a million or two or five or ten or if I don't have a degree from an accredited university in investments, I can't go and have any conversation with anybody about this. Well, that's how you democratize this. That's what Epic Services is about and how you make this simple and straightforward so that you can help those individuals who do have the need for protecting their family in the future and then setting this stuff up for future generations.

So, Tim James, I know you are, you know, learning on the fly today about what's Epic Services Company and the whole ecosystem and everything. So does that make a little bit more sense? And of course, we're leveraging technology, right? Digital transformation, we're in the digital age. But I think what makes Epic Services services company so dynamic is the relationships and the personalities that are hand-holding the clients through the entire process. So it's not as if, hey, well, you got to get on the computer. You got to learn how to hit this because Mr. and Mrs. Jones, Tim, your parents, they may not be comfortable hitting the keystrokes or whatever. So we literally handhold them from beginning to end, and we help support them in perpetuity, even after it's all said and done. But we allow them the level of control that they would hope to be able to have.

So you have heard me say this time and time and time again, three things better than anybody else. Elevate the client experience for the advisors that bring the clients in, the trusted advisor, create professional contrast. What makes them different in their communities, right? And then number three, to your point, Matt, is you competitor proof those ideal clients because of them setting up these estate plans for their families for generations to come. So that's what we've really built here, an entire, you know, soup to nuts, A to Z, you know, systematic client acquisition and client relationship and retention model i really like it because it really caters to the working class individuals

they're very important they're the ones that are getting hammered right now small business owners entrepreneurs working class people working class we've been getting hammered since the 1970s actually we know that. I don't know if we talked much about that on this podcast, but just to get back. So it's almost like this Epic Services Company is it's not just for, you know, people with what would be considered ultra wealthy. It's for it's for working class and above. And I think that's really important because of the, you know, the working class has literally been robbed for 50 years. You know, we've done the analysis on it over here at the Truth, Freedom and Health Movement, got my new hat on today. And we equate that GDP growth

since our politicians created labor unions and took over the working class movement, that $47 trillion of our hard earned income has went upriver to the elites. That's about to give you an example for people listening today. If you're making $50,000 a year, you should be making $120,000 a year. So where'd the 70 go? It's went upriver. So what we're doing here is besides, you know, starting a movement to get that back, which is what we need to do and what we are doing, let's take what we do have and protect it, make sure we're not paying too much in taxes on it, and be able to pass it tax-free as possible to the next generation, to the next, with the advisors, where you're actually training the advisors so that they can then train the client. And the interconnections at Epic

Services between other organizations like Nth Degree Financial, where you're just kind of bringing everything in into one place and organizing it and making it have a flow so that the end consumer can just kind of flow right in and get everything they need handled all in one spot and do it in a good way. And then for the, for the advisor, again, we spoke about that. I know when I was a financial advisor, it was, if you had one piece of business, there was a chance that higher percentage of chance that you lose the client. If you had two pieces of business that dropped, if you had three pieces of business, there was a, you know, chance that higher percentage, a chance that you lose the client. If you had two pieces of business that dropped, if you had three pieces of business, it was like almost guaranteed that they weren't going to go anywhere. And you're bringing a lot

of that stuff, you know, whether it's, you know, money under management, your safe money concepts, you know, personal PNC insurance, house and auto insurance, CPAs trusts you know whatever that might be you start if your advisors that you're training can keep multiple stuff together for these people and save them money make them more money then they're never going to leave and they're going to tell their kids to stick with you so that's really good for advisors well, and I know we're coming up on a break, but to that point, Tim, this is part of, and obviously CSI Financial Group is going to be utilizing the services of Epic Services Company. And we've already shown proof of concept, if you will, which is why Matt and Joanne, when I showed them everything that it was that we were doing, they were like, you know what? Maybe this is different. This is unique. This is something I want to be a part of. It's not just the regular, hey, I'm talking to Matt and Joanne because I'm just going to be another trust department. Nowhere close to that. So the thing about what's important that you were just talking and alluding to, Tim, is that we have, or what I tell my advisors, client acquisition is where it all begins and ends.

You guys hear me say that all the time. It's all about client acquisition, no matter what it is that you do, what it is that you sell, you produce, or whatever. It all begins and ends with client acquisition, right? So if that's the case, well, what this does and what I forewarn our advisors on, careful what you wish for, because if you do this properly, these clients are yours in perpetuity. So you might want to become a little bit more selective on the types of advisors or I'm sorry, clients that you want to work with. And you may not be a good fit for everybody, but a lot of our advisors have grown, you know, so used to just getting what I call their pound of flesh that when they find out

about our entire system, they're, you know, they're, they're like, oh, I'll take anybody. I don't care. I'm just trying to get my pound of flesh. Whoa, pump the brakes a little bit, because this system is a way that you are retaining these clients, not only retaining these clients, but the next generation you're going to retain because of everything that we're doing. So that's why I forewarn them careful what you wish for. Well, is there anything else before we go to break that you wanted to bring up, Carter? No, you know, I think that's everything on my end. I think what I definitely want to reinforce is the support that not only the clients are going to get, but also the advisors are going to get in this systematic

way of estate planning services and financial planning services on the back end. So Matt and Joanne, do you have anything else you want to mention before we go to break? Nope. I think we covered everything pretty well. So yeah, the model is really, But the model is really, it's visionary and it's needed. And it's like Tim was just saying that, yeah, there has to be a way to protect individuals. And they can do this. The earlier in their life that they do this, the more protected that they are. So it's not just, you can have an estate plan if you're 20, right?

So you can start that at that time. And holding assets and the right registration and starting to formulate the plans from that time will be tax advantaged and all those kinds of things. So having somebody in your corner that understands this and can look out into the future, like the mentors and like the advisors that you have, that's just helpful throughout your whole entire life so the earlier that it's done the better off that you are and um hopefully that as more people start to use the tools and become you know the younger that you are of course they're going to be a lot more comfortable with the electronics and the in the in not having to see the the lawyer's eyeballs uh you know as uh tim was just saying right so it's uh

as this uh moves on over the next few years i think that there's going to be a lot more uh people that are going to take advantage of this so i think it's a i think i'm seeing a a good marketing opportunity here but at the same time a way to really help people because you know my brother died in his 30s of a mountain bike in accident so we don't really get to choose when we get to take our last breath. You know, sometimes, most of the time. And it can happen at any time. So this might be something where once you get people through this, maybe some advertising and marketing, Carter, would be, you know, purchase one of these for your, you know, for your 20-year-old.

You know, get them set up ahead of time for the tax advantages and bullpen. This is boom, did a boom, did a boom, boom, boom. And as they add, you know, a spouse and children and other assets, they can just go click, click, click. And if somebody's crazy, they can not, you know, take them off of being the executive or put somebody else, you know, with, with the, you know, log in, click, click, log out real, real fast. I just think it's smart to train people that we should have this while we're young same thing it's like we're dealing this with the health stuff which we're going to get into the next segment but so many people our parents didn't know about health other

their grandparents didn't know about it and this is these this generational um learning deficiency is showing up with poor health and it's also showing up in poor finance i think average 70 percent of americans average saving is 400 that's ridiculous and that needs to change so it's also showing up in poor finance. I think 70% of Americans average saving is $400. That's ridiculous. And that needs to change. So it's going to change early on. And I think companies like this are going to help out with that. Awesome. Cool. All right. Well, until next now, just kidding. So, all right, we're going to take a quick break. And then we get to come back to the exciting part for me, which is you. we're going to let Matt and Joanne just ask me any question on 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. Welcome back. In Richer's, Tim James here with my co-host Carter Wilcoxon. Again, today in the house, we've got Matt and Joanne Eby. And guys, it's been really interesting learning about what you do. And I really like it that you take everything serious and what you're doing. You're truly professionals. You guys have definitely put your time in. And there's just a lack of excellence today, I think, in a lot of industries and businesses. And I really appreciate that you guys have brought excellence into your industry. And that's really going to trickle down to the end client. So thanks for that. But now we get to have some fun. So this is the health and wealth podcast. Now we're going to do the health components. You guys can just ask me any question about your own health, somebody else's health, hypothetical health, public health, whatever you want. Go ahead.

That's pretty broad. Well, and it could be something like, hey, I had a lot of ups and downs in the mountains and whatever. Now we're in Florida, and it's really flat. So what I'm getting is I'm getting a lot of stress on joints, especially hips, and Joanne is getting some of this as well and so one's where it's fairly uncomfortable as far as um you know sleeping sometimes etc and i definitely notice it that it is related to distance and sometimes uh sometimes gait sometimes um um speed i suppose speed, I suppose. But, you know, so any guidance on that as far as, you know, I did not experience this when I was at longer distances in mountainous terrain when I was going up and down. But when I'm in this flat surfaces here, it seems to be a lot more problematic. And we do like daily kind of a four mile loop and it's a lot of pancake and it is kind of paid we do have really good footwear we did learn that over the years um thank you to

rei for great hiking boots but i for me personally i do find that i have to walk on the grass and then on the shell path just to try and get you know different levels but it it's definitely different and what what was the client you were at more of a mountainous train where were you at before and we were in las vegas mainly but we were going out to red rock canyon and you know okay mount charleston etc so, it was much more mountainous in the western area. And even when we were in the Appalachians, we were doing, you know, segments on the AT, you know, et cetera, that it was, because it was hilly, we didn't, you know, at least I didn't experience it.

Plus, I was younger, I suppose. But we've been here, we got COVIDed here, here basically and like 18 months so far but there's been seem to be a lot more stress on my hips and uh and joints and my lower body and i even noticed we were recently in greece for a family wedding and one place we were staying it was kind of in a village so every day we would kind of go up the hill behind and walk. And I'm like, this is great. I'm loving the hill work and my hips are not sore. So, you know, it just seems that's one of the things that is discouraging for us in Florida. Okay. Well, I know what that's like because I've been on walks and bicycle rides in Florida and I'm over here in the mountains, too, in Oregon. So the first thing I was thinking was, where are you from?

Because I thought maybe you moved to a humid climate and you weren't drinking enough water because water is the lubricant of life. So making sure that you're having adequate amounts of water is something to take a peek at. Number one, it's basic. It's foundational. Or as Matt would say, it's just pointing out the obvious, basically, right? So that one's really number one. And kind of a rule of thumb is half your body weight in liquid ounces daily. So if you're 200 pounds individual, that would be 100 ounces a day. If you're 100 pounds, it's 50 ounces.

But if you're in a hot climate, then you might need to bump that up a little bit. This would be purified water. We're also looking at, are you guys on city tap water um well yes we are in city tap water but we mostly drink bottled water because it you know it's a little bit phosphorus down there's a lot of phosphorus in the water in florida okay so you want to check your bottled water sources so you know carter and, we talk about water is a big deal for me. So number one is never drink anything out of plastic. Even if it says BPA-free, then they have BPS, BPB, BPD. They have 36 other ones that just have just as many problems.

And so these are estrogen mimickers that disrupt our hormones. And, you know, they just cause a lot of problems right they throw off the communication in the body so we'd want to drink out of glass um a lot of these places that are making the water are just using city tap water anyway and the problem i asked the city tap water is because the high pressure pipings basically make the water molecules very large and instead of like a four to five cluster they're 20 to 25 cluster they don't really go through the intestinal lining that well so even though you might be drinking a lot you're just going to be going through you and peeing it out right so you really need to absorb it and get it into the bloodstream so they can then get into the cell and then be used and transported whatever

you need to use for the brain you need it for the lymphatic system the garbage removal system in the body whatever or the joints right right, for lubrication. So really pay attention to the quality of your water. We suggest people get, like, good purification systems and then put behind it a really good restructuring device, okay, like I did. This is probably the biggest and one of the biggest investments that we share with people to do. But the water thing is such a big deal because your body is mostly made of water. Right. So we want to get high quality, pure, clean water in your body that's highly absorbable. That'd be number one. Number two on your hips and joints and stuff like that is that's just inflammation.

Right. And there's quite a few things you can do for inflammation water being one of the best things um you guys are obviously getting outside that's good um there's uh we actually have a product called turmeric 100 and it's a major breakthrough in anti-inflammatory properties it doesn't go through the digestive tract in fact i think i have some right here we just squirt this i was trail running once a week and I couldn't do it more than that because my hips and my knees would hurt. And I started squirting this stuff in and then now I could trail run twice a week. So it knocked the inflammation back about 50%. Now beyond that, there is these infrared saunas. You guys can get one for $1,300 and hop in that that and it is like amazing for inflammation so

i when i got the sauna and i did the turmeric and i will say i also started doing these magnesium foot soaks i can run every day now like i have no knee inflammation at all that really knocked it out for me so the saunas are are at thehealthysauna.com. There's a $1,900 unit and a $1,300 unit after the $100 discount. If you want more information on the water, you can go to mypurifiedwater.com and book a free consult with Danusha. She's kind of my water gal on the team. And then for hip issues, we've actually seen a lot of people do really well with two things. Number one is called yin yoga. You can look up yin yoga stretching. These are three to 10 minute

stretching postures where you'll do certain stretches. And you don't want it to be painful, but right on the edge of discomfort. And the reason why we go past the 90 second mark and we work into the three minute to 10 minute mark is because the fascia in your body, as we age, it gets tighter and tighter and tighter. And it's actually our largest organ, not the skin, as most people think. And it's kind of like taffy. And if you pull on taffy really fast, you're going to snap it, right? It's where we get injuries and stuffffy. And if you pull on taffy really fast, you're going to snap it, right? It's where we get injuries and stuff like that. But if you pull on taffy really slowly, but with gentle pressure, it'll slowly open up.

So after 90 seconds, that fascia starts to open up. The first 90 seconds is just getting it, warming it up to the point of movement. So after 90 seconds, that's why I want you to go to at least three minutes. So you're getting another 90 seconds at least of opening up that fascia. And there's different hip opening exercises that you can do in yin yoga. It's free. All you got to do is just like you guys can do this in the mornings, in the evenings, just sit there and talk or whatever and be doing it while you're talking and sharing and connecting. And the other thing is actually cycling, having a little cycle.

Cycling, I've seen that do wonders for people's hip issues. And then the last thing I would say is two other things. One's called a Spoonk mat, S-P-O-O-N-K, and you can get those at Spoonkspace.com. In fact, hold on. I got one right here. I'll pull it up so you guys can see it. This is an acupressure mat. If you can turn that to this, you see those little pokey things on the side for lower back pain, unreal and anything. You could put this on your face for a facial. You can stand on it and massage your feet. Just be careful. It's in the beginning, it scares you because it's really pokey. Now I'm a lot more confident with it. You can put it on your hands. It just helps stimulate meridian points. And I also travel with it. So when I go on long trips, because I had my

neck was kind of jacked up. I actually took my shirt off completely, had this behind me while I was traveling. When you know when you get out of the car and you're normally stiff, not stiff, like just it's amazing and you can lay on these things for 10 to 30 minutes once or twice a day when you have issues put them on each side of your hip they're phenomenal and then the other thing we can do to reduce inflammation that's passive is um grounding or earthing are you guys familiar with that no basically it's just making contact with mother Earth. Okay, so the Earth puts off a frequency that's when you pulled up the you know, the the you know,

you're losing my train of thought here compass, you pull up your compass and the needle moves north right? Well, there's a there's a field there. There's energetics coming off of the earth, but you can't see them. As soon as you break free from your bare feet, then inflammation begins, right? So it's a contributing factor because we're not plugged into our natural battery pack, basically. So there's companies out there like earthing.com where you can buy, if you guys can see this, but I'll show you, this is on my desk right here, right? And it's plugged in And it's plugged in down there. I can't get my camera on the corner, but it's plugged into the third prong

in the electrical socket. That is the ground. And for every commercial building and residence, there's an iron rod driven into the ground. That's the third ground to ground that grounds the whole electrical grid. It's not the electrical part, it's the ground. And that ground is bringing in that same frequency that we need. So these companies have built these conductive mats and pads and sheets

and stuff like that with silver threads in them. You can put on your bed and you can sleep on them and you can be grounding or earthing all night while you're sleeping. And like with me, I'm working, I'm touching, I'm in contact with it. Right. So what we're trying to do is we're trying to create an environment that is basically as close to nature as possible in our in the modern world so we can still get the benefits of nature uh and you know and do things like reduce that inflammation and they have documentaries out on a couple of them on earthing and you'll watch them you'll be shocked there was a guy who was from national geographic that he had just tremendous, tremendous pain in his body, back pain.

And he was up in Alaska, eight foot of snow. He was in so much pain. He was up at two 30 in the middle of the night, just looking on the internet, looking, spending hours trying to find something. And he came across this earthing grounding stuff in the beginning. He's like, ah, it's woo woo, you know, but he was so much pain. He came back to me. He's like, I'll just try anything. He literally went outside in the snow dug a hole got underneath his cabin in 20 below weather and scratched the dirt open and then laid on the dirt for maybe 20 minutes to half an hour so that's all i could do because i had no clothes on um and he came back inside and that and he actually was able to get a little bit of sleep

from the pain so the next night he does it again and he gets down there he freezes his butt off but he comes back and this is the first time he didn't like, he had like a mouthpiece. He didn't chew it up or something. And so then he was smart and he ran some leads outside and ran them through the window and then put a tape on his bottom of his foot and grounded himself. And then he started healing and he contacted one of these companies and had them send the kits and he started putting them on people. And it's a great little, wonderful story about how he put them on all over these people on this little, this little community up in Alaska and everybody's a benefit, benefit, benefit. One old lady, she's like, she gave it back to him and she's, what are you giving it back to me? I thought

you said it was helping. She goes, it is, but she goes, I'm on social security disability. And if I feel too good, I'm afraid they're going to take away my benefits. So it pretty much worked for everybody. So and the reason why is because we are part of the ecosystem and our bodies are designed to be in contact with it. And when you run around on rubber sole shoes and you're on, you're driving cars around with rubber sole tires and the first, second floor, and we're not in contact with Mother Earth anymore like we should be. So hopefully those things will help you guys out a lot. You can take one, two, three or stack a few together and try them out and just keep adding them in until you get to the point where you're feeling like you're 19 again. One of the things we do occasionally is, you know, we go to the beach near here and we walk on bare feet. And I know I always feel really good like the next day.

It's like we had a great sleep and you know it's just i always assumed it was because we were able to walk on different bit of terrain but i'm wondering if you know it's also just you know well there's many there's many things out there number one you're enjoying yourself in nature number two the beach offers one of the most highest contents of – what's that? No, we're having a problem down here called Red Tide, and there's a lot of dead fish. Oh, dead fish. Yeah, you get a lot of dead fish. That wasn't a good day at the beach, but yeah.

Yeah, so, well, there's these things in the forest, and they're negatively charged ions that are created in the forest and the beach is the most it creates the most of them right so you have those you're grounding especially because the sand is wet so it's a it's a super conductor in the water and then you have the salt water that's there too as well and there's just so many good things but you're all you know the groundings are a big part of that um there's also maybe some reflexology stuff going on too with your feet when you're walking on sand so going barefoot is like so important um it's just hard for somebody like carter i mean how are you going to go barefoot when it's 117 out you know it's like in phoenix it's hot at 6 a.m you know it's crazy. Well, I can go to the golf course here.

I can practice my putting, you know, on the greens, you know, and it's not that hot. But, yeah. So, Joanne, I would really highly suggest that you guys get the grounding and earthing mats are very passive. I mean, they're not very expensive. I mean, their products are anywhere from $30 to $300, I think. And once you buy them, you're pretty much, they last a long, long time. Yeah, I was taking notes as you were talking. It's what I do. Carter knows that. Yes. Do you guys have any other questions for me? No, it's pretty helpful. Thank you.

Okay. You're welcome. All right. Well, yeah. So, um, Hey, enrichers, I really want to thank you for joining us for this very meaningful and important episode of the Health and their knowledge and understanding in an area that, you know, that's why we talk about democratizing it, right? Making it available to the working class men and women of America. So I really am thankful that they were able to join us today. You know, it did take us into the 20s to finally get them in here on the podcast. You know, they're extremely busy helping Epic Services Company, you know, become what they're becoming. But it has been an absolute treat, as I knew that it would be. I was anticipating this all day. I was telling my better half, Christina, I'm like, I'm going to have Matt and Joanne on the podcast tonight. I can't wait to be able to have him in here. And maybe Tim might even be able to get Matt to crack a smile. We almost did, I think.

We'll just have the editing team turn him upside down. Then we'll be a smiley. I'm smiling on the inside. It's the mustache. That's right. We talked about this. The mustache winds up where it just is just looking that way. He has a great smile. Come on, man.

There we go. We did it. There you go. Yeah. So, um, and Richards, thank you again for joining us for another episode of the health and wealth podcast show. Make sure to like share and subscribe on everywhere, wherever you get your podcasts, Apple Podcasts, Spotify, Google, and make sure and check out all of our previous podcasts on thehealthandwealthpodcastshow.com for my esteemed co-host,

Mr. Tim James of Chemical Free Body, and our wonderful guest, Matt and Joanne Eby of Nth Degree Consulting and Financial Solutions. I am Carter Wilcoxon, CEO and founder and co-founder of Epic Services Company. Thanking you all very much for joining us today. Have a great time. Have a great rest of your day. And until next time, have a great time have a great rest of your day and until next time have a wonderful and abundant life thank you all for joining us today 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 fear. You have just listened to the health and wealth podcast with Carter and Tim.