All right hey, welcome back, everybody, we are here, none other than Chelsea Ransom Cooper. This one's going to be really fun for a multitude of reasons. She's an East coaster, and we're going to talk a little bit about East coast and why I don't like it which I did not talk about in the precursor to this as well as getting into the minority side. Right. Not only are you black CFP, you're a black woman CFP, which makes you like. Representing at least 50% of all of them out there. I mean, there's not very many all jokes aside. There's not very many black CFPs. There's not a lot of minority CFPs, something that we're all stressing and pushing as hard as we can. But today we're going to get to know about her company, her firm. And then like always, we like to talk about the money mindset. So welcome. Why don't you give us a little background.

Chelsea Ransom-Cooper, CFP®:
0:54

Thanks for having me. And as you mentioned, I am an East coaster. I'm a proud East coaster. So let me see if I can convert you on this call as well. But my name is Chelsea ransom Cooper. I am the managing partner and financial planning director of Zenith wealth partners and a little bit about how Zenith came to be is in the past. I was working at a high net worth family office, private wealth management firm. And as I was there, and I got my CFP, I got my series 65 and it was a great learning experience, but I realized that they had a minimum and that minimum started at 500, 000 and over time continued to increase until it was a 1M and then a little bit upwards of a 1M. So, it started to become really challenging for myself as I was developing as a financial advisor. To find clients, and I really wanted to be able to work with people who are on their wealth accumulation journey, where they didn't have a 1Million dollars yet. But I knew that if they made smart decisions, they could right. They just needed to have that support. But that firm really wasn't offering that opportunity for that. So, as a lot of us did during the pandemic, I started to do some reflecting and figuring out, like. What is really my purpose and who, how am I really using my knowledge and my expertise to lean into that purpose and that passion? And how could I be more intentional about it as well? And at that same time I had been talking to a friend of mine named Jason Ray. Where he was a portfolio manager at a company in Philadelphia, where he felt the exact same way. And he decided that he was going to create a firm called Zenith. And we had actually had conversations two years before that. And he was like, Chelsea, this is it like Zenith. I think this is an opportunity to have more equitable investment advice, financial advice from people who look like us. Right. But at the time I just wasn't ready. I think for myself, I wanted to really. Learn as much as I could from that previous firm, and then feel like, okay, I am ready to go. Like, I have exhausted all resources while I have a salary before I go out and then create this firm with a friend of mine named Jason. So, we kept having conversations, and then it was around April 2020 is when I reached out to Jason. I was like, all right, I'm serious. Like, let's really see, like, what we could build together. And we had conversations for, like, I got to say, like, 6 months story about, like. What would the name of the company be at the time? It was Zena solutions, and it switched to Zenith wealth partners. And then, like, what are we going to offer? Like, what is financial planning look like at Zenith? Who is our target audience? Who do we want to support at the same time? If you remember, since that firm had such high minimums, everyone who reached out to me that didn't reach. That minimum, I kept a list and I told myself as soon as I have 30 people on that list, like Chelsea, no more excuses. It's time to go. Like, it's time to serve your purpose. So over that summer, that's exactly what I did. And by the time I had 30 people, which was exactly the same time we finished our website I had to look at it and be honest and I was like. What's holding you back now? What's your new excuse? And I didn't have anything. So I decided I quit my job. And as you probably know, in financial services, they point at the door and give you about 30 minutes to grab your stuff. And then the next day it was go time. And that was, those were my 1st clients. I'm happy to say that 20 of those 30 individuals were the 1st clients that Zenith ever had. Which was really awesome and that's what we've been growing now. So Zenith Wealth Partners, we help people on their wealth accumulation journey, make smart and impactful financial decisions wherever they are, whether it's through comprehensive financial planning, investment advice, or just having a one time financial plan. And it's been pretty cool to see from October 2020, it was the 2 of us, just Jason and I, to now we're a team of 8. So I think it really shows that leaning into your purpose and your passion can also be something beneficial where other people are inspired by it, too. Yeah,

Stoy Hall, CFP®:
4:47

I love the hell out of that. And it is because not only are you team of eight, you're a team of eight minorities and on the East coast and being able to do something like that is, is tremendous. Funny thing is like my, so black mammoth, my firm. Launched also technically in October of 2020. So it's cool to see other firms doing like minded things. And when you talked about the name, man, picking a name might be one of the hardest things to do, right? Like hard. I don't know how many times we went through ours. I, you know, Googled it, make sure the website's good. You know, like you have to do so many things that no one talks about in business until it's time and they're like Oh no, what do I do? I'm like. Let's get on the Google machine. Let's see what's available. Basically, unless you've got a lot of money to spend. So, applaud to you and your team and everything that you're doing. I want to hit upon kind of the reason you left, right? Yeah. I mean, you were talking about minimums. We're talking about AUM minimums or net worth

Chelsea Ransom-Cooper:
5:46

minimums. That's a great question. So we're talking about AUM. So assets under management or investable asset minimums. So they didn't even offer planning fees. At that time, it was literally just if you have 500, 000 dollars to invest with us. Cool. You can work with us. If you don't kind of sorry it is what it is. And I'm sure you and I both know some exceptional people who are doing great work who maybe just don't have 500, 000 readily available to put in a public equities or stock account. So being able to. Pivot and offer different offerings, depending on how people are earning money or what their investing strategy is like, I think it's so cool that we work with people who are really into real estate investing. And like, that is okay, because we can do like fee for planning instead of really harping on that assets under management

Stoy Hall, CFP®:
6:32

fee. Yeah, and I really believe that's where the transition of our industry is going. Right. You said he came from a family office. I believe the family office. Model concepts, the concept of a family office is what we're all driving to, right? And that being able to meet them where they're at quarterback, everything, get their shit done for them, right? That's ultimately what it is. Simplified guys. Okay, let's be real But that being said it's not tied to one AUM one model Like you're able to meet where the client needs to be Which ultimately is doing what's best for them anyway. And we all know that most people think differently. I don't care who you are. Every financial plan is different. Mine's different than yours. Ours are different than what we tell our clients. Like all of that is different. And you have to be able to meet with them. If you guys get along, right, ultimately got to get along and hang out. But if you don't have the ability to say, Hey. They don't want a U. M. cool, we'll do fluffy that not wrong with that or whatever one off or whatever you have to do. That's where I believe the industry is going. Any thoughts to that of where you think the industry has shifted since your departure and where you're at now?

Chelsea Ransom-Cooper:
7:40

It's really interesting because I feel like there was this huge push and you probably felt it too in 2020 where it was like. Start your own firm. Everyone just start your own firm. This is the way this is the future. And now it's been really interesting to see more firms now starting to come together. If you've been seeing that as well, where it's like, okay, to get the economies of scale or to, you know, work together on our back office or support so that we can become these higher revenue, higher profit firms. We're realizing there's only you can only go so high by yourself. Now, if you start hiring people, of course, then you can go significantly higher too. But I think it's been really interesting to see where a lot of, like, the bigger firms or, like, creative planning and places like that have been doing this for years. But I'm starting to see it trickle down also into some of the solo and especially advisors of color, other underrepresented advisors. So I think that's going to be a cool transition that we see play out in the next 5 to 10 years. Thank you.

Stoy Hall, CFP®:
8:39

Yeah, without a doubt. And now with our ability to get testimonials and social media being more of a bigger thing for us and more of us getting podcasts and YouTube shows it's really going to be pressing wherever that happens. And that's probably a lot of us coming together. And that's a normal business cycle for any industry, by the way, anyone out there, usually everyone starts it, it goes crazy. And then it starts to buy each other out and then you get to your solid amount of one. So talk to me about your guys's philosophy a little bit because your partner's more, I would say investments portfolio guy, I would assume then you're more on the planning side. Talk to us about your guys process a little bit with that. And then I have a loaded question after

Chelsea Ransom-Cooper:
9:23

that. Awesome. So the funny thing is at that prior firm, they were an asset management firm that turned into a wealth management firm. So. And what they realize is that when there was market volatility, financial planning was would help the clients be a bit more sticky, right? Because there's always a project. There's always something that needs to get done where you're not focusing too much on the returns. So, I learned a lot about asset management like story. I remember March, 2020, the amount of phone calls I had. From clients who were freaking out because portfolios are down 10, 20, 30%. I knew how to do it. And I knew in that moment, I did not want to do it again. I knew I was like, these are not the conversations I enjoy. So when I would have conversations with Jason, he loved those conversations, right? He loved dealing with the investments, planning, having those conversations, and he was incredibly articulate around them as well. Where then I was on the financial planning side. So I was like, this is great. Like, I can lean on to my favorite piece. Then Jason can handle the part that I don't enjoy as much with my clients. And then, but now it's also where I'm bringing in a expert to have these conversations with clients, which is really cool too. So that's really also been something that we've been embodying as a team. Has grown is like, it's a team approach. So, for every client interaction, you have a financial planner and an investment advisor. So when clients do want to go into the weeds, or they want to have questions about how interest rates are going to impact their portfolio or what are some of the tilts that are going on as you're seeing more exposure to, you know, longer duration, but whatever, if they really want to get into it, we have that person. I will say majority of the clients don't, but if they do, we have that person and it's impressive. And then we still have their financial planner that lead that relationship manager to be there to talk about all their personal goals and to lead them through that way. So, it's been really cool to see, like, the relationship that Jason and I have. Then now we're building out in like many teams throughout the firm as well. So every client gets that experience too.

Stoy Hall, CFP®:
11:23

Dope. Dope. Dope. Dope. So load a question, although you pretty much answered it, right? What's more important to the client, their investments or their financial plan? Oh, always their

Chelsea Ransom-Cooper:
11:32

financial plan.

Stoy Hall, CFP®:
11:33

Right. And that is something that our industry has missed for eons. Yes. I know how, I know finished planning has changed over time, but it is still, we are still centric when it comes to investments. Like that is the hot topic. That's what people talk about. And I don't have the numbers on this. I'm sure there's research out there. But like investment returns have to represent like someone's life, like very small compared to what their whole financial planning plan does for them. Yes. So exactly. You kind of answered it. So kind of ruined my whole thunder.

Chelsea Ransom-Cooper:
12:05

No, it's okay. It's a, it was a great question though, because do you see it with your clients as well story? Because I feel like. majority of the people that come to us, they come for financial planning and then maybe they'll do investments, but they're always like, I want financial planning. I want that accountability partner. I want that plan.

Stoy Hall, CFP®:
12:22

Yeah, they absolutely. And then from the investment side, it's more like, am I good? Like, here are my goals. Are we good? I'm like, yes, you'll get updates from me about the market and whatnot, but like, we're looking out. decades. So what's going on today is kind of, you know, a mute point. And I'm starting to see that even more so, on Twitter and all that stuff of like people understanding through these tough times as you will that Every day looking at your portfolio is a very bad idea. Yes, probably looking at it like more than twice a year is a bad idea because there's nothing you can do. Your plan is set in place. Let it do its job over time. We're not day traders. I went through that. I've done the day trading thing. I've done the portfolio manager side. I don't want to do that either. I want to be able to articulate and walk you through it. Yeah, but the investment side is so small compared to the rest of your life that like why focus all your emotions there Exactly. So yeah, we see that often. All right. So What clientele base? What do you look for? Who do you work best with? As it comes to financial planning and

Chelsea Ransom-Cooper:
13:30

so I have to say, our Zenith community is fun outside of I can go into the demographics, you know, 30s to 40s, early 50s. We call them wealth accumulators. 70 to 80% are women or people of color. Right? But I think the most unique thing about it is like, our clients are fun. I like, I had a prospect who became a client and she found me on Twitter because I was tweeting about how I go to carnival every year to go to Trinidad to visit my family. And she was like, I saw you post that. And I knew I wanted to work with you because I wanted to work with somebody who understood like our Caribbean culture. And like, she was of Jamaican descent and like understanding how that would play out with her family. She knew was really important. So somebody that could understand, you know, some of the cultural nuances as well, but also like, who gets it? Like, I get it. Carnival is expensive when we got to build it into the budget. Is going to hurt a little bit, but we want to make sure we have a plan in place around it. So we can save throughout the year. So I would say that's who really our clients are. But also, I would say business owners has been a space that we've been really working with especially business owners who are looking to grow to enterprise. Level businesses, so it's been really exciting to see how we can help them, you know, scale their business and structure in a way. So they're ready to raise capital and ready to meet with investors. Like, we have 2 clients who are at that point, which is really exciting to see that. They're almost at the finish line to get that milestone or that monumental investment. Now they can really grow their business to a whole nother level than just as a lifestyle business. So that's been really cool to see as

Stoy Hall, CFP®:
15:06

well. Yeah, that's awesome. And that's a really great. I don't even call it a niche that, you know, I attack that's my demographic as well. I think I have one client over the age of 50. I have, and she is 60, I think five in my only retired retiree. She loves working too. She has a small business. So it's like, Is what it is, but very interesting to see. And we've talked about, everyone talks about this in our industry. You work with who you either look like or age wise that gap. Yes, I get that. But I also believe it has a lot to do with just the way we can communicate and the way we communicate now a days, right? I don't know about you guys, but I don't host dinners. Like I don't do that quarterly, you know, I don't do those, but I will tweet and I will be on Facebook and LinkedIn and Instagram all the time, chatting with people. And it is crazy. The amount of people, planners that are getting clients directly from Twitter alone, let alone all the others, but Twitter alone, just to, to your point with that client is. They're out there and they're watching and they relate to you in some way. And our normal way of networking and referrals. Yes, referrals are always going to be there. But this new networking is just putting out content, being real. And people show up and ask. And usually it's those people that want to work with you. It's easy, ultimately. So I agree. That's great. I love that. All right. So this question I always ask when you're a first time guest on. All right. So you work with obviously a lot of people of color. What do you believe is the hardest thing for people of color to get a financial planner? Is it mental? Is it feasibility? Is it education? What do you believe it

Chelsea Ransom-Cooper:
16:49

is? That is an excellent question. I think it's twofold. What I've been seeing is number 1, it's hard to really open up into really start those conversations with the financial professional. I think there is obviously a lot of trust issues. In our community, when it comes to financial professionals, so to potentially pay like a high fee on top of that, and now really open up and hope that you are going to get the return that you hear about. Right? I think that's something that's very challenging. I remember that was something a question that we used to get early on is like, what is the return on investment of like, paying you a planning fee? Like, how can I track the performance difference? And it's like, planning isn't about that, right? Planning is about that peace of mind. It's about. Yeah. Making sure that your family is protected, making sure that you're able to achieve all your goals and just being able to have those conversations with somebody who understands you, but also the technical aspects of it as well. So, I think there's an education aspect to, like, what planning is, and it's not a transactional relationship, like, probably, like, with your tax filer state attorney insurance person. So, I think that aspect of, like, what is the process and what is the financial planning experience? We have to explain and educate people a little bit more on.

Stoy Hall, CFP®:
18:04

Yeah. And I love to simplify that of, and I just wrote about it in my newsletter last week, basically the answering the question of, am I good? Right. That's it. That's what people say. Are you good? Yeah, you're good. That is financial planning. Like, yeah, there is a thousand layers, but your ability to answer the question of I'm good. That is our job is to get you to that level, to, to feel that peace of mind and to walk away feeling that.

Chelsea Ransom-Cooper:
18:31

It's so funny that you say that because we call our one time financial plan, the, am I on track plan? So, cause that's all people want to know, like, am I on track? Am I good to your point? And then if I'm not, what do I need to do? And some people are ready and they're like, cool, give me the playbook and I'm ready to run. And then some people are like, you know what? I really need that accountability. I need your help to make sure that I can get this across the finish line.

Stoy Hall, CFP®:
18:53

And so my other follow up question to that is how do you show or talk about the value of financial planning? Right. That is the hardest thing in our industry to portray because right. It's not a return. It's not like that. We can't put percentages on it. Can't do that. What do you do differently or you've seen differently to show that value?

Chelsea Ransom-Cooper:
19:13

Stoy, that's been a tough one that I'd say I had to learn. Especially because I'm very type a and very, like, process oriented, so I would like, create answers to questions like 1, 2, 3, and I'm like, that should be good for everyone. But everyone is different. Right? So it's been really interesting to see, like, there's different personality types who are very detail oriented and meticulous and want that process. But then other individuals are like, this is my pain point. This is my stress. This is what's keeping me up at night. So how is your process actually going to alleviate that for me? So I really lean into a lot of client examples, since, you know, testimonials is something still fairly new that we don't even have yet. But really leaning into client experiences where I can say, Hey, I'm going to tell you a story about how we made a client feel and how we helped them through goals that I think are similar to yours. And I, this should give you an idea of like what the experience is and what the outcome that you could also have as well. And that's been something that's been really helpful for

Stoy Hall, CFP®:
20:09

clients and you have to be able to get their emotional side attached to it. And storytelling is obviously a very key piece to that. Ultimately, so. I have to get to these coast thing because I don't want to forget it. I have to talk about it. Okay. So, I went to Drake University play football down there. We would always come up and play. Marist a lot and Poughkeepsie. Okay. And then who else do we play? That's up there. Oh, I don't remember. Oh, we'd go to Davidson in and whatnot out there and Carolina's as well and Jacksonville. So. Not an East Coaster. Can't really stand it. Oh, we played Lehigh too. So, we played a lot of games on the East Coast. Being from the Midwest, most our games were on the coast. Not saying I like West Coast. I didn't say that. I just said East Coaster. And the reason for this is, I got two stories. We're going to Poughkeepsie twice. Back to back years, I believe. First year was dope. We got to go down to Times Square. We had a bus. We actually got pictures with Amari Stoudemire. You just see stars all over the place. That was cool. That was dope. Except for the fact that it like everything's concrete and there's too many people, right? Just too many damn people. Yes. And beyond that. So that was story one. Loved it. Everything was good. Story two. We are playing in Poughkeepsie and it's like, it's October. So it's not terrible. We get like a foot snowstorm in the middle of a game. Like a foot. And so we have to drive back down and we're going to drive to the city. One of our buses gets stuck in the city for like four hours. And then we ended up in Jersey. I don't, I think we had a hotel in Jersey which was dope. Cause we ended up flying out of Jersey. So I liked Jersey, but it ended up being then, you know, people got cussed out accident. It was just like the ultimate thing of like, why I don't like the East coast. Other fact is I'm a Braves fan, Atlanta fan, and I can't stand the Mets or the Yankees. So, or Philly for that matter anything in Philly, really? Oh, man,

Chelsea Ransom-Cooper:
22:05

this is tough now. So

Stoy Hall, CFP®:
22:07

this is why I don't like it. It's a lot sports related. Okay. It's great. Okay. I'm a foodie. Food's great. Sports is where I kind of, I can't do it. So that's why. I don't like these.

Chelsea Ransom-Cooper:
22:20

So basically if the sports aspect, cause I can't change that. And then the snow was fixed, so I can't change that either. But as long as you like the food and you acknowledge that New Jersey is great. I will take that as a win.

Stoy Hall, CFP®:
22:33

We can rock there. We can rock. There you go. All right. So talk to me about I'm gonna ask you this. What was your first money memory that you've ever had in your life?

Chelsea Ransom-Cooper:
22:47

Ooh, that is a great question. My first money memory I have to say. Was always the fact that my mom, so I lived with my mom. Let me take a step back. And my dad lived further out. They weren't together. But basically my mom raised me. I lived with her the whole time. And I remember that she always, she would drop me off, but then she couldn't pick me up from school because she worked late. But I remember always knowing that like. My family was different because like the other kids, their parents would pick them up, drop them off, take us to play dates. Like, they would go on the field trips. My mom couldn't do that just because she had to work. And I just remember always remembering that, like, work, like, money, like, we always, like, need to have money. So then we can have more access to things. So, even as I was young, like, the 1st time I got, like, a gift or, like, the tooth fairy, like, I would always save it because in my head, I was like if I save the money, like, then mom can, like. Doesn't have to work as much or like things will get easier. So I think that's like why I've become a super saver and probably why I love financial planning as much as I do was just like, as a child, I always knew, like if I have more money to help mom, then things can be better.

Stoy Hall, CFP®:
24:05

It's always a question that I ask everybody, the clients, people would not matter. Because you start to root like. Who you truly are and where it came from. And then it looks at, okay, do you have a positive or negative money mindset? Right. And I would assume probably younger. You didn't know it was negative, but having that connotation of like, I have to hoard the money to get mom, to be able to see me like that means everything's about the money and really that's a negative money mindset where a positive one would be like. No, I got to have, you know, experiences with my mother. We get to use our money, right? It flips a little bit there. So that's why I always ask that because I want to get to know someone and where they came from. Now, you being a financial planner, obviously that question is going to be flipped. You know what the hell to do now, but it's interesting to understand like what your first question was and The importance of that, when we talk about money mindset with clients, and I'm sure you do all the time, what do you find is the most common theme when it comes to someone in their money and what their mindset

Chelsea Ransom-Cooper:
25:10

is around? I think it's sometimes very hard to have conversations. And it's funny, we actually did a presentation on this pretty recently, but when we were talking about their money mindsets or something very common that I feel like I'm seeing, especially in like our younger clients is like the. Mindset of, like, money will always come, like, it will always figure out a way. Like, I don't need to plan to save. I don't need to, like, worry about retirement because who knows if I'll even live that long. Right? Like, I want to enjoy it now. I want to celebrate my money now. And then I will figure out tomorrow. So I think that's a mindset that definitely. It can be challenging to kind of, like, debunk until something negative, unfortunately happens where people realize, like, oh, shoot, that doesn't actually always work out. Like, I really should have, you know, an emergency savings. I should have a plan in place. I should make sure I have a strategy when it comes to paying down my debt. I should invest for the future. Right? So we try to debunk that sooner rather than later to make sure that people are prepared and they're taking the right

Stoy Hall, CFP®:
26:14

steps. That's it's fantastic because no plan survives a bad mentality. Ultimately, you're going to, you're going to go back to whatever you're doing before unless that experience a plan or something helps you understand that, like, no, you got to get out of that. And that goes for ourselves. We fall in the same traps. Oh, I don't know who I was talking to on Twitter. Some random person said all financial planners should publicly put out their own financial plan and their financials. And I was like. One, I don't think anyone personally should always put out their financials, like, like, regardless that might come from my insurance days with HIPAA and all that stuff. But the other part of it is everyone's situation's different. So just because my situation and I'll admit it right now. Buying out my business partner and being a bunch of debt is not how a plan should be put into place. But in my situation, it was the best option I had, right? And that's where people are at. They are where they're at. Their cards are dealt. They have to deal with what they have and they need to understand that. So that way they can. Build and work towards it. And so that's why I don't believe personally believe that planners need to show everything because I know a lot of doctors who are out of shape and fat, but do surgeries and are fantastic, right? Like those things don't align. A lot of practitioners are better at teaching and helping people practice it than they are themselves. But the mindset has to be understood and shifted.

Chelsea Ransom-Cooper:
27:41

I agree. I mean, personal finance is personal, but. I also believe that there is, like, an underlying issue when it comes to the mindset, specifically, like, the mental health aspect of it, where especially when I was talking about that abundance side to, like, sometimes I'll have the conversation with clients and we can create the plan. We create the budget and they just don't follow it. Right? And then I think sometimes it gets really tough on us as planners where it's like. Oh, like do we really not understand our client? Like what's going wrong? And I've come to realize over time that sometimes there is something really deep going on with that person that they're also not acknowledging where they can't, they're not ready to follow a plan. Like you can make it as many times. You can try as many things, but if they're not ready to follow that plan and they haven't really unpacked, Their own, like, mental health concerns that are going on, then it's not going to work either. Right? I think there's a lot of people who are overworked, right? They're incredibly exhausted. They're tired. They're unhappy before they are in their lives. So they're going to make negative financial choices, right? They're going to overspend because in that short moment, when they buy that bag, they feel better. Or when they go on that trip with their friends, they feel better for those 5 days, but they're not actually. They're not actually creating a solution for the real issue or the real reason why they're unhappy. Right? Where they don't like their job. They feel like they should be promoted. They feel like they should be working in a place where they're respected and they're understood. Right? So, I think it's important to also get to the root of those underlying reasons of, like, why those negative mindsets are happening. And then really try to unpack that to maybe it's therapy. Maybe it's a financial therapist. Right? But it's important to understand that before you even get into creating the plan and, like, the technical aspects. Yeah,

Stoy Hall, CFP®:
29:26

because ultimately the technical aspects, dollars and monies and numbers are relatively easy. Like it is what it is. These are what we can do. We can't do really black and white. That other side, that mental health side of it as I think is huge. It is keen. And in our industry, I think I overall, we do a very poor job at recognizing that and being able to either some of us have the skills to deal with it for the clients. Or passing that on for them to deal with it with a financial therapist, regular therapist, something because a lot of that trauma is coming from somewhere and we really, if you're trained well enough or have been through it, you can see it. And once you're able to cross that bridge, yes, tears will flow, but once that's crossed, you now just broke that and now you can actually move forward and start to build. So.

Chelsea Ransom-Cooper:
30:17

Yeah, but I think that's why we're so important, right? Because we can see it because we can empathize. We've probably seen somebody in our family go through that or our parents. So, like, we understand and we can come from a place of not judgment, but empathy and understanding of, like, hey, this is how you should move forward. I get it. I felt like that maybe too. And how can I help you at least build awareness around it too, to figure out what the next best path is for you.

Stoy Hall, CFP®:
30:43

Absolutely. Anything that you wanted to get off your chest before we kind of wrap it up with you telling everyone where they can find you and stalk you and all those things that we do on social media.

Chelsea Ransom-Cooper:
30:53

I would say, you know, I'm really excited for this next year with our firm. Something that's been exciting as we continue to grow our team is building out our platform. So I definitely want to touch on how we are trying to build that platform for those underrepresented advisors. Who are looking for kind of the same thing that I was looking for as well, where I knew I didn't want to deal with, you know, the investments, the back office, that part, I really just wanted to be an excellent planner and grow my practice. And it's been exciting to see that. I feel like we have a pretty, pretty solid platform now for other advisors to do the same. So stay tuned. I think I think this is going to be a big year of growth for us and I'm really excited for it.

Stoy Hall, CFP®:
31:35

We'll have to get back to you on later when the growth has happened. We can go through that thing, right? Absolutely. Where can we find you? Where can we find

Chelsea Ransom-Cooper:
31:41

you guys at? So you can find us Zenith wealth partners at net worth Zenith on Instagram, Twitter. LinkedIn, Zenith wealth partners, you can find me personally. I keep it simple, Chelsea dot CFP or Chelsea underscore CFP. I'm sure I'm not the only Chelsea CFP, but I'm the one you should know. So there you go.

Stoy Hall, CFP®:
32:01

There you go. I love it. I appreciate your time. Enjoy the hot weather out there in New York. I am currently sweating, so I cannot wait to get out of this room. But I appreciate you, everything that you're doing for everybody out there, including planners, but also for your clients, keep going. Awesome. Thanks. Thank you.

Chelsea Ransom-Cooper:
32:33

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