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DAD CENTS PODCAST TRANSCRIPT: Are You a Vet? Or, Are You Concerned About Medicare?

DAD CENTS PODCAST TRANSCRIPT: Are You a Vet? Or, Are You Concerned About Medicare?

November 17, 2021

17 Teddy Colegate

[00:00:00] Jason Fuchs: Greetings everyone. If you're new here, I'm Jason Fuchs, married to Amber's father to a two year old girl Juul. I'm also the managing director of Sage path, financial advisors, ladies and gentlemen.

[00:00:35] Welcome to the show. Thank you for being. Dad's sense is a show for family, men, and women. We're all about family fun and finance on this show. You're going to hear unscripted conversations with folks who are committed to staying financially healthy.

[00:00:49] Joining me is special guests, Teddy Colgate,

[00:00:52] Teddy Colegate: bugging the show. Teddy. Thanks for having me. I'm super pumped to be here. Yeah, it's our pleasure.

[00:00:57] Jason Fuchs: We're excited to. And ladies and gentlemen, [00:01:00] Jual two almost three. Can you believe it? Her birthday is actually on the 28th of this month.

[00:01:06] Mine too. It's pretty neat that we get to share the same birthday. And speaking of birthday is Teddy today. We have a very special birthday to celebrate my wife. And I thought we could sing happy birthday to her. What do you think? I look forward to it. All right. Let's do it. Happy birthday to you. Happy birthday to you.

[00:01:28] Happy birthday, dear Amber. Happy birthday to you. That was awesome. Thank you so much. Ladies and gentlemen, there is another very special day coming up later in the.

[00:01:41] Veteran's day. And in my opinion, it's a data honor. And remember the bravery, the contributions and sacrifices of our armed service members who have defended us. So ably who have run toward danger rather than running away from it, who have helped us sustain our freedom through their [00:02:00] courage and service.

[00:02:00] Our deepest gratitude goes out to all the veterans for the service they give and gave for our country. We honor their courage. And that is what we're going to talk about today, right?

[00:02:13] Teddy Colegate: Teddy? Yes. So excited about veteran's day because every year it gives us. Big boost of patriotism. And that's what

[00:02:20] I look forward to.

[00:02:21] Jason Fuchs: Exactly. And that's what I want our listeners to know. I want to know what is it, what does it mean? Why is it so important? And we may even get into your story too. If we've got, if you're comfortable with it, what do you think? Absolutely wonderful. Okay. So ladies and gentlemen, we're going to introduce Teddy soon, but Hey Teddy, you're a young guy and, you've got ways to go before you get to it.

[00:02:43] But when I say the word Medicare, what comes to mind old? Oh, knobby knees, right?

[00:02:49] Bad back, , broken, broken backs, broken joints.

[00:02:54] Hopefully it's not that bad. Right? That's what we're going to cover today in the Q and a portion of the show. I've got a [00:03:00] few listeners confused about Medicare's open enrollment period.

[00:03:03] And that started back in August. So we're going to get to the bottom of it and in the Q and a portion of the show, ladies and gentlemen, if you got questions, remember I'm answering one during each episode. And Hey, if I don't answer your question on the show, it's still going to get answered by me. So send those questions to Jay Fuchs at Sage path, faa.com.

[00:03:26] That email address is in the description of the podcast. I'd like to take a moment now, introduce our guests, Teddy Colgate director of five-star veterans center, and also a retired United States Marine Corps major Teddy spent 22 years of service in the U S MC and retired in 2012. His distinguished career included six oversee deployments and a stent at Marine helicopter squadron, one known as HMX one.

[00:03:54] I get that right. Okay. And you were coordinating Marine one flights at the white house liaison office [00:04:00] and ladies and gentlemen, I'm not an expert on this. But ATM X one is a big deal.

[00:04:05] Teddy Colegate: It is, it's a, it's an accepted command and, within the Marine Corps. So when you get told to go there, you're going, oh yeah.

[00:04:12] Oh yeah. You, you have the responsibility of flying the, the president first lady vice-president and, and foreign heads of state. That experience kind of led me to look bigger for other things.

[00:04:21] And it sounds like you have, I think so,

[00:04:25] Jason Fuchs: well, we appreciate your service and what you've done for the country. We can't thank you

[00:04:29] Teddy Colegate: enough. I appreciate that.

[00:04:30] Jason Fuchs: You've got some exciting things going on in your life right now.

[00:04:33] Teddy Colegate: I do. So I was just appointed the chief operating officer at five-star veterans center here this week. Congratulations. And it's just one of those things that I'm so looking forward to making a difference in, in veterans' lives every single day.

[00:04:45] So that's fantastic. Can't thank carnal loving and Susie loving the C E O a C a O for the opportunity. It's just, it's wonderful.

[00:04:55] Jason Fuchs: Fantastic. Congratulations on the success. So, so what's going on at [00:05:00] the five star? Our veterans

[00:05:01] center.

[00:05:01] Teddy Colegate: So five star veterans center is a transitional housing and treatment center for veterans.

[00:05:05] We housed male veterans. they struggle with addiction. They could struggle with PTSD. They struggled with TBI, so we bring them in. We re rebuild them spiritually, financially. Emotionally, and then we take them to the next phase of their life. So the goal is to get them back to independent living. And we do that by a passport to independence where we just rebuild them, reconnect them and rejoin society, rebuild

[00:05:32] Jason Fuchs: them.

[00:05:33] I wonder, can you expand on that a little bit? So

[00:05:35] Teddy Colegate: we get these folks with. A series of poor choices in their lives. So whether they're homeless, whether they are couch surfing, suffering from addiction, or just a mental health aspect, what we do is we bring them in, and the first thing we do is provide them with a safe space to sleep.

[00:05:53] Okay. So we have, private rooms. We have a Jack and Jill style. So two rooms share one bathroom. [00:06:00] Each veteran has their own room, their own safe space. Okay. So stabilize them and just allow them the opportunity to take a deep breath. And once they do that, then we, we attack the issues at hand and we have onsite mental health providers.

[00:06:16] We have onsite therapy, we have group counseling, individual counseling onsite. So we are with these veterans every single day. Wow. Which is different from the other organizations because we walked the halls with these folks. So you're hands on. So we know when they're, they're not in a good, good spot.

[00:06:34] Okay. So we're, we're able to actively interject positivity into their life. And I love that positivity, basically what it is all

[00:06:41] about. Wonderful.

[00:06:43] Jason Fuchs: Wonderful. So I wonder before you started in this role, is there anything you wish you had known prior?

[00:06:49] Well, , it's, it's weird because my story, when I retired in 2012 was kind of up and down. Okay. So, and this is going to sound crazy, but [00:07:00] thankfully on April 16th, 2016, I put a 45 caliber pistol in my mouth. Wow. And I say, I say, thankfully now, because had I not reached that level, I would not be living.

[00:07:11] The life of positivity that I live now. Yeah. I lost, I lost my, my wife and sons at that point. but I knew that if I did not make a change in my own wellbeing, that I would not see another day. So I wasn't being a role model for my sons. I wasn't being a good husband for my, my wife at the time. So I knew I had to step away because the end was in

[00:07:33] the very near.

[00:07:34] So it sounded like you were in a, a place of just being broken. And I just didn't know how to fix my SIS waiting to be rebuilt almost. Yeah. Wow. That's

[00:07:42] Teddy Colegate: this is an opportunity for me to give back and I, I relish the opportunity every single

[00:07:48] Jason Fuchs: day. Well, sounds like with this new role, you'll be able to give back and then something now I hope so.

[00:07:53] Wow. That's, that's the goal. That's fantastic. Okay.

[00:07:57] Teddy Colegate: I think when I walk into a room and I see a [00:08:00] hundred individuals, there are a hundred struggles going on. Okay. And you, you never know, it's not a competition. It's not compare.

[00:08:08] It's just an appreciation for someone and everyone is going through something. Okay. So when, when you deal with people and you're having a, a not so good day and I don't have bad days, any, any longer, I just have not so good days. Okay. Right. So, and, and again, that's a mindset, that's a, that's a change from negative to positive.

[00:08:26] So when you approach everything as positive as possible, then you start, understanding that everyone has a struggle. Okay. So if you can simply appreciate their struggle, you're not gonna project your issues on someone else. And I think that that is the biggest takeaway that I, that I've learned through my journey.

[00:08:47] I see. Okay. , we all have something that's weighing on our mind and, the richest guy in the world and the handsome guy in the world, and the most successful athlete, they all have something weighing on them. [00:09:00] Right. So when you, when you take that down to, normal folks like me, it's, it's still, my issue is my issue.

[00:09:10] But asking for help is a strength, not a weakness. Okay. I agree.

[00:09:13] Jason Fuchs: So yeah, so many people out there need help. And I think for whatever reason, they have a hard time asking for help that I, I see it all the time. It's hard that humility realizing that you're in a place and you need help is one thing, but reaching out and trying to get it is another battle altogether.

[00:09:30] Teddy Colegate: There's three things that I always look for, especially when I deal with the veterans. Now it's easy to see who. But it's up to that veteran to one, be willing to accept the help that I can offer and to want to make that change. Yeah. So without those last two, it doesn't matter my efforts. So that's what we try to change the culture and the mindset of their rationale and their thinking is, are you willing to accept my help?

[00:09:53] And do you want to change? Got

[00:09:55] Jason Fuchs: it. Okay. Okay. So I'm wondering, I've been sober eight years. Haven't had a drink [00:10:00] and life is incredible as a result. That's amazing. Congratulations. Thank you so much. I know what keeps me going. I know what keeps me focused to make sure that I don't fail.

[00:10:10] I'm wondering why is it that veterans don't succeed in working with you?

[00:10:16] Teddy Colegate: I th I think it's, it's a combination of a lot of things. So military life in general, military service overseas and then hostile areas, even worse. Yeah. And a lot of times the initial recognition of, maybe it's mental health trauma, or seeing senior buddy not make it and things like that.

[00:10:41] I think that just weighs on guys and we have still not cracked the code on how to fix that and how to identify that early on, where mental health issues and PTSD those things. If recognized early, you still have a great chance of living your best life. Yeah, absolutely. [00:11:00] There's so many guys that, just deal with it, , and they self-medicate, and, and , some of the, some of the things that we deal with with treatment and the stigma of mental health, which is a big one, you, you have a guy that needs help and, and the folks around him identify that he needs help.

[00:11:18] Okay. But when you go and you ask for that help and you get the help, now you're labeled as something. Oh, okay. And I think, with the military, first responders is another big one that has the workplace stigma associated with mental health. And to me that is just simply wrong.

[00:11:37] when you tell these guys give me everything you have and everything you do, and they do that. And then they ask for help and then you label them, , with a mental health issue, let's peel back the labels and just get the

[00:11:50] Jason Fuchs: health. Let's get that. Yeah. Don't worry about the labels.

[00:11:52] Yeah. That makes sense.

[00:11:54] If someone is listening and struggling right now, what resources do you recommend? [00:12:00] Or where should that person start? Cause I think this is important.

[00:12:03] Teddy Colegate: There are a lot of resources out there. There's the crisis hotline, , that, the veterans affairs puts out there.

[00:12:10] There's a crisis hotline associated with the Semper fi fund, , and America's program. There's there are crisis hotlines at most hospitals. Okay. So if you are in a, a point in your life where you just don't know what's next, you have to call and you have to tell someone, okay. When someone calls you and they're asking for help, please take that serious because you don't know what the next step.

[00:12:39] Jason Fuchs: Okay. Okay. And ladies and gentlemen, we'll put some of these resources in the description of the podcast, so you can reference them later, but I'm really excited for you to be here and talk to us a little bit about veteran's day. What is it? What does it mean? Why is it so important? You ready? I am ready.

[00:12:53] [00:13:00] Welcome back, ladies and gentlemen, let's talk about veteran's day Teddy. We're going to talk about what is it, what does it mean? Why is it so important

[00:13:10] Teddy Colegate: Veteran's day to me. And it means the world.

[00:13:14] I think it would be remiss if we didn't share a little bit of history about how we got to share veteran's day. So, the 11th hour of the 11th month of the 11th day that's where the fighting ended and it was known as arms to stay, which we now referenced as veteran's day. So some of the other unique dates associated with veterans today was originally on a Monday.

[00:13:36] Oh, okay. Cause it was part of the, a uniform holiday bill that was signed in 1968, which, which was Washington's birthday. And just now president's day, Memorial day, of course, veterans day and Columbus day, I think, I think we relabeled indigenous day. the uniform holiday bill was those four for holidays and they, they were on a Monday.

[00:13:58] So [00:14:00] the thought was mom and dad, America would get a three-day weekend. To go and do and up the economy. Okay. So that's that. Oh, okay.

[00:14:09] Jason Fuchs: I always about that money,

[00:14:10] Teddy Colegate: right? It's always about the money. So, , in 1975, president Ford had signed into public law. That veteran's day would go back to November 11th. Oh, okay.

[00:14:21] Whatever day, November 11th is that's that's the day when it goes. Okay.

[00:14:25] Jason Fuchs: In this year, it's on a Thursday, I believe it is.

[00:14:28] Teddy Colegate: Yep. But, , veteran's day is as simple. It's a celebration to honor America's veterans and the patriotism and the love of the country that they have, but the willingness to serve and sacrifice for the common.

[00:14:40] Good. And I think that. In today's society. That's what we lack is to do something for the common. Good. I agree. No. So many times it's what do I get out of it? Or, , I'm going to do this, but I expect this, but veteran's day was one of those where I'm going to raise my right hand.

[00:14:55] I'm going to support and defend the constitution against all enemies, foreign and domestic. And [00:15:00] I will do it for everyone. So we're so grateful for that and that, and that's why I think veteran's day needs to get some of the notoriety that it has, lost in, years past, I made a comment earlier today when I was having a conversation and it was September 12th, 2001 was the highest level of patriotism our country has ever seen.

[00:15:23] Really. When you think about that. Yeah, that makes sense. So, , the tragedies of the attacks, , on September 11th, September 12th, everyone woke up and they were what? Red, white, and blue and United States of America. God bless USA. Why did we not do that? Normally?

[00:15:42] Veteran's day is big because it's a selfless day. these guys didn't have to, besides the draft, obviously, but they didn't have to go and serve.

[00:15:50] Jason Fuchs: I was on a plane to Vegas for a work conference. And, the gentlemen that was sitting next to me was a young kid.

[00:15:56] And he had been in Afghanistan for eight months and he was so grateful to sit next [00:16:00] to another human being because he was on a ship the entire eight months. And he and I got in a very deep conversation. I'm a very religious guy and he is too. And , you talk about how broken he was throughout that, that journey and being on that ship and just how mentally, just he couldn't handle it anymore.

[00:16:18] But it was just so nice giving him the space to just share his story. And I feel like he was so grateful that somebody was willing to listen. And it made me kind of sad because he shouldn't have been so happy that I was listening. It should be normal where he can share a story and people listen automatically.

[00:16:38] It was just a neat experience.

[00:16:40] Teddy Colegate: I'm a big fan of, of travel. And because of the folks you meet, , and it's, it's just one of those things. When, when you have a conversation, if you walk into an airport or you walk into , the train station and what have you, everyone's got their phones in their face.

[00:16:57] And we have gotten so far away from having [00:17:00] a, just a conversation, a person to person understanding where that person is coming from. And, and that's why I like travel so well or so much is because. Everyone has a story. Oh yeah. You're going somewhere. You're coming from somewhere. You've been somewhere, ?

[00:17:14] So I, , I, I get it from my dad, I'm guessing, but I strike up conversations with anyone. Oh yeah, me too. And just see where it takes us. And a lot of times it takes us a good,

[00:17:25] But that's, that's a good thing. And I'm sure that youngster shares the same sentiment with you and for you and being able to tell that story.

[00:17:33] Jason Fuchs: Yeah. And this guy, he put eight months of his life on the line, , not just physically being in a country like Afghanistan, but mentally being on the ship and just being broken by the end of his tour. So it was really great hearing his story. I really enjoyed it.

[00:17:46] Teddy Colegate: The four holidays that were originally in the, uniform holiday bill Washington's birthday, like I said, was, which is now president's day. And then Columbus day, which commemorates the [00:18:00] Christopher Columbus landing, , in the, America's

[00:18:03] The big thing for me, Memorial day and veterans day. And this is always important that I, I like to share is, is veterans day is for all veterans and the greed and Memorial day is for those that we have lost that has have served.

[00:18:17] Jason Fuchs: And, , I think it's important to distinguish between those two.

[00:18:20] Teddy Colegate: It really is. And so, many folks will be like , have happy Memorial day or whatever. And, and for a career military person, it is not a happy day because I, although I choose to remember and reflect on, on all those that have come for me, everyone doesn't do that, , but they, they will around Memorial day.

[00:18:39] So, and you see that you see the pictures of, of folks that are spending time, , at national cemeteries and things like that. And, it is still deep and it's still real every single day. So, , just to differentiate the two. , I think is always

[00:18:54] Jason Fuchs: important. And I think it's important to recognize these individuals.

[00:18:58] I mean, we may [00:19:00] not agree with what they're doing or why they're doing it, but the fact of the matter is they're doing it and they're putting their lives on the line. So I think a lot of people I've seen have a problem separating that and distinguishing between the two. these are human lives, , they are putting their lives on the line for an extended period of time.

[00:19:19] And like you said, some have lost their lives as a result of that. And I think it's important just to recognize and thank those people for what they're doing. You're not supporting the cause or the reason, but you're there humans. We need to acknowledge them and say, thank you and appreciate them. Yeah,

[00:19:36] Teddy Colegate: I agree.

[00:19:36] And I think that it comes down to a life of service, ? So the, the choice to serve. Your country and you take it one step further where you you're really serving that individual to your left in front and right. And back. So you just , when you go over seas anywhere, and if you're in harm's way, you're doing it for the folks that are with you, don't [00:20:00] look at the long, player, the political play

[00:20:03] Jason Fuchs: that's a good point. You're looking at the folks that are with you. I like that. That's a, completely different frame of thought altogether.

[00:20:10] Teddy Colegate: You're just, trying to get everyone home. And especially safely, if you're in a leadership position, that's ultimately, you want to make sure that they're trained, equipped and prepared.

[00:20:22] That makes sense to do what we have to do so we can all come home safely. That makes sense. Sure.

[00:20:27] It's just one of those things that it comes down to, remembering that we do live in the best country in the world. Absolutely. And it doesn't, take a day off or, a special day on a calendar to, to be the best Patriot and the best, American that you can be and just be a good neighbor.

[00:20:44] Jason Fuchs: Love it. Great idea.

[00:20:45] Teddy Colegate: I've had the opportunity to speak on, on a few different occasions about veteran's day, but the more important day to me is November 10th, which is the Marine Corps birthday.

[00:20:54] So we jam, pack everything in and, it's one of those things. Being a Marine, you simply become [00:21:00] fanatical about being a Marine. Yeah. And I've got a couple of my family and it's over the top and, we all understand. And we wouldn't change a thing, but that's the point?

[00:21:08] That is, that's how it sits. November 10th, November 11th is always been, , special because of those two things for me and my grandfather was a Marine and he was in world war II, but it's just what you do, ?

[00:21:22] You want a fresh flag out flying, on your flag or you want the gentleman that you don't talk to, , but you wave to every day when you come in and out of your neighborhood, but he was a veteran. You just want to stop and say, thank you to sake his hand.

[00:21:36] ? So there's so, so many folks that just get through life and they do it and that's fine, but there's a lot of guys out there that served and gals that served and. Just sometimes you just say, thank you. Yeah,

[00:21:51] Jason Fuchs: that's a great idea. I think the problem now, and I don't know what caused it.

[00:21:55] Maybe it's social media technology, whatever you want to call it, but we have such a problem [00:22:00] acknowledging one another. And just, I think we forget that we're humans, we're people and it's important to support one another and just to show genuine appreciation. So I love what you said, Teddy. Thank you.

[00:22:13] Teddy Colegate: I think you get to a point where, everything is a competition.

[00:22:17] Yeah. And I would always argue that success is, is out there for everyone, you can be successful and I can be successful at the same time. Yeah. And, and I don't have to, downplay your success tip to make mine larger. That makes sense. Just, appreciate the hard work that folks do and, encourage everyone.

[00:22:39] Yes. That goes a long way, give someone, a pat on the back and, you would wouldn't believe how harder they will work the next time. And we see that a lot at five-star veteran centers that, a small little victory, you give a veteran in accolade and he's off to the races,

[00:22:55] yeah. I love the positivity. Yeah. So just little things. Like

[00:22:59] Jason Fuchs: that's what I tell [00:23:00] my wife and my daughter, you can achieve whatever you want to achieve. You can not achieve whatever you tried to achieve at when it comes down to it. You're my wife, you're my daughter. And that is all that matters to me.

[00:23:12] That's a wonderful, well, great. Let's get into a little bit of Q and a sound good? Yes. All right. Good. We've got a question about Medicare open enrollment. So we're going to get into it now.

[00:23:23] And we're back ladies and gentlemen. Thanks again for joining us for the Q and a portion of the show. I received a question from someone compliance, go figure won't allow me to use his real name.

[00:23:41] So we're going to call him. Tim. Tim says really enjoyed your most recent episode with Amber potato. Great name for a fictitious character, long story, Teddy, Tim. So nice of you to say thank you. I had a ton of fun recording that episode with my wife, Amber. Now Tim asks Medicare's open [00:24:00] enrollment period.

[00:24:00] Started back in October. I believe on the 15th. I'm not sure what that means for me though. I'm 60 years old. Is there anything I need to do? Great question, Tim. And I'm happy to help ladies and gentlemen, Tim. Medicare is annual open enrollment period began October 15th and it ends on December 7th. So we've still got about a month to go before that period ends.

[00:24:24] Now don't confuse this with general open enrollment period to apply for Medicare part a and or part B. That period is January one through March 31 coverage. For those who enroll during that period starts in July. So that's 20, 22. We're going to cover that topic, how to apply for Medicare part a and B in January, 2022.

[00:24:48] So ladies and gentlemen, we'll get there. Don't don't worry. Can you believe it's almost the end of the year? Teddy? No,

[00:24:55] Teddy Colegate: it's this year. It's crazy.

[00:24:57] Jason Fuchs: Probably. Cause we're all not stuck in our houses. Right. [00:25:00] All right. Back to Medicare's open. Now, during this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year.

[00:25:10] Any changes to your plan will go into effect on January 1st, 2022. This is a great opportunity to reassess their current coverage and identify potential areas for improvement. Maybe you've recently changed medication. Maybe you find yourself under utilizing coverage, or maybe you're in need of additional benefits before open enrollment begins.

[00:25:33] You'll receive a report outlining your current coverage. Now, since we're already in that period, ladies and gentlemen, you probably have received that report. Review your elections carefully, especially if you haven't updated coverage. In the last few years, Medicare offers a really neat resource. It's called a plan finder tool to help compare the offerings.

[00:25:56] If you're considering making a switch, I'm going to include that link in [00:26:00] the description of the. Pretty short Q and a portion. So let's go ahead and wrap this part up. Ladies and gentlemen, Tim Teddy, your health insurance coverage in retirement should work to protect your financial wellbeing, your family's financial wellbeing.

[00:26:15] You need to get this right, because if you make a mistake, it's going to impact your health coverage for the entire year. Now I am happy to help navigate new opportunities or plane changes during this open enrollment period. So feel free to reach out with any questions, schedule a meeting, and we can talk about it now.

[00:26:34] I hope this answers your question, Tim.

[00:26:37] So let's conclude today's episode Teddy, Joey. Absolutely. All right, ladies and gentlemen, lean on me for support. If this Medicare enrollment thing is confused. Reach out to me, head to our website, www dot Sage path, faa.com. Click the calendar link at the top of the page.

[00:26:55] Schedule time with me. I am freely giving of my time. You can [00:27:00] also call me, email me. All of that is in the description of the podcast or on our website. And ladies and gentlemen, if you are struggling with mental health veteran non-veteran, please, please, please reach out to someone for help. You can reach out to me.

[00:27:16] You can reach out to Teddy. I'm gonna include some of those other resources in the description of the podcast too, but please reach out to someone

[00:27:23] Teddy Colegate: Thank you for the opportunity. It's my pleasure. The biggest thing is asking for help is a strength, not a weakness, and we all need someone to lean on, which like you just said, and, there's plenty of folks out there that are willing to answer that call.

[00:27:38] Jason Fuchs: Teddy, what's the best way for people to reach out to you?

[00:27:40] Teddy Colegate: So our website is five star veterans center.org, and that's a numeral five. And then the words, star veteran's center.org. we have links there that goes straight to other agencies.

[00:27:53] the crisis lines out there. there are a lot of resources available, especially in the Jacksonville community [00:28:00] that are willing to help. We recently just did a phone panel for mental health. Oh wow. There was eight organizations with house and There's a lot of help out there. There's a lot of individuals that need help, but, we, we are standing by ready to ready to.

[00:28:15] Jason Fuchs: Wonderful.

[00:28:16] Wow. Well thank you again for being here. We enjoyed it and to all of our listeners, thank you for sticking around. I appreciate all of you. We're going to see you in three weeks for a new episode of dad. Sense, take care.

[00:28:29] And now the part we all love the disclosures, securities and investment advisory services offered through FSC securities corporation member FINRA SIPC FSC is separately owned and or entity or excuse me and other entities and remarketing names, products, or services referenced here are independent of FSC.

[00:28:48] Jason Fuchs, Teddy Colgate Sage path and FSC are unaffiliated. This episode is sponsored by Dunham and associates investment council, Inc.