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How Financial Advisors Can Add Value Through Investment Management · Views from 6,230

0:12
Go!
0:18
Ryan Nauman Market Strategist Zephyr: Hello,
0:18
Ryan Nauman Market Strategist Zephyr: everyone,
0:19
Ryan Nauman Market Strategist Zephyr: and
0:19
Ryan Nauman Market Strategist Zephyr: welcome
0:19
Ryan Nauman Market Strategist Zephyr: to
0:20
Ryan Nauman Market Strategist Zephyr: Zephyr's
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Ryan Nauman Market Strategist Zephyr: Adjusted
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Ryan Nauman Market Strategist Zephyr: for
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Ryan Nauman Market Strategist Zephyr: Risk
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Ryan Nauman Market Strategist Zephyr: podcast
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Ryan Nauman Market Strategist Zephyr: from
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Ryan Nauman Market Strategist Zephyr: the
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Ryan Nauman Market Strategist Zephyr: shores
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Ryan Nauman Market Strategist Zephyr: of
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Ryan Nauman Market Strategist Zephyr: Lake
0:23
Ryan Nauman Market Strategist Zephyr: Tahoe.
0:24
Ryan Nauman Market Strategist Zephyr: I
0:24
Ryan Nauman Market Strategist Zephyr: am
0:24
Ryan Nauman Market Strategist Zephyr: Ryan
0:25
Ryan Nauman Market Strategist Zephyr: Nauman,
0:25
Ryan Nauman Market Strategist Zephyr: the
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Ryan Nauman Market Strategist Zephyr: market
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Ryan Nauman Market Strategist Zephyr: strategist
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Ryan Nauman Market Strategist Zephyr: here
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Ryan Nauman Market Strategist Zephyr: at
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Ryan Nauman Market Strategist Zephyr: Zephyr.
0:28
Ryan Nauman Market Strategist Zephyr: talk
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Ryan Nauman Market Strategist Zephyr: lot
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Ryan Nauman Market Strategist Zephyr: this
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Ryan Nauman Market Strategist Zephyr: show
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Ryan Nauman Market Strategist Zephyr: the
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Ryan Nauman Market Strategist Zephyr: wealth
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Ryan Nauman Market Strategist Zephyr: management
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Ryan Nauman Market Strategist Zephyr: space.
0:33
Ryan Nauman Market Strategist Zephyr: That
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Ryan Nauman Market Strategist Zephyr: evolution
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Ryan Nauman Market Strategist Zephyr: may
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Ryan Nauman Market Strategist Zephyr: be
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Ryan Nauman Market Strategist Zephyr: most
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Ryan Nauman Market Strategist Zephyr: evident
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Ryan Nauman Market Strategist Zephyr: in
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Ryan Nauman Market Strategist Zephyr: the
0:37
Ryan Nauman Market Strategist Zephyr: investment
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Ryan Nauman Market Strategist Zephyr: management
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Ryan Nauman Market Strategist Zephyr: segment
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Ryan Nauman Market Strategist Zephyr: of
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Ryan Nauman Market Strategist Zephyr: wealth
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Ryan Nauman Market Strategist Zephyr: management,
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Ryan Nauman Market Strategist Zephyr: driven
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Ryan Nauman Market Strategist Zephyr: by
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Ryan Nauman Market Strategist Zephyr: fee
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Ryan Nauman Market Strategist Zephyr: compression,
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Ryan Nauman Market Strategist Zephyr: changing
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Ryan Nauman Market Strategist Zephyr: Well,
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Ryan Nauman Market Strategist Zephyr: I
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Ryan Nauman Market Strategist Zephyr: trend
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Ryan Nauman Market Strategist Zephyr: investment
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Ryan Nauman Market Strategist Zephyr: opportunity
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Ryan Nauman Market Strategist Zephyr: financial
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Ryan Nauman Market Strategist Zephyr: advisors
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Ryan Nauman Market Strategist Zephyr: to
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Ryan Nauman Market Strategist Zephyr: add
0:58
Ryan Nauman Market Strategist Zephyr: value.
1:00
Ryan Nauman Market Strategist Zephyr: But
1:00
Ryan Nauman Market Strategist Zephyr: first,
1:00
Ryan Nauman Market Strategist Zephyr: today's
1:01
Ryan Nauman Market Strategist Zephyr: episode
1:01
Ryan Nauman Market Strategist Zephyr: is
1:01
Ryan Nauman Market Strategist Zephyr: sponsored
1:02
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1:03
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1:04
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1:12
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1:13
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1:15
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1:17
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1:18
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1:18
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1:19
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Ryan Nauman Market Strategist Zephyr: Manju,
1:20
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1:21
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1:22
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1:23
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1:27
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1:28
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1:29
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1:30
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1:31
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1:32
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1:33
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1:33
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1:35
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1:36
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1:36
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1:36
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1:37
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1:38
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1:42
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1:44
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1:44
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1:46
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: Yeah,
1:46
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: no,
1:46
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: absolutely,
1:47
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1:47
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1:47
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1:47
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1:48
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1:48
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: me.
1:49
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: Look
1:49
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: forward
1:50
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1:50
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: our
1:50
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1:51
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Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: my
1:52
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1:53
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1:53
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: just
1:53
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Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: set
1:53
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: the
1:53
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1:54
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1:55
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1:55
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1:55
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1:56
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1:57
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: computer
1:57
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: science
1:57
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: engineering,
1:59
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1:59
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: my
1:59
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2:00
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: in
2:00
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: mathematics
2:01
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: and
2:01
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: finance
2:02
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2:02
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: me
2:03
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2:03
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2:03
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: world
2:04
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: of
2:04
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: systematic
2:04
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: investing.
2:06
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: So
2:06
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2:06
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: my
2:06
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2:07
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2:07
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2:07
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: place
2:07
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2:08
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: Barclays
2:08
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: Global
2:09
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: Investors
2:09
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2:10
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2:10
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: the
2:10
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2:10
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2:11
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: graduate
2:11
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2:12
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2:13
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: it
2:13
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: was
2:13
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2:13
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: fascinating
2:13
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: place
2:14
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: for--
2:14
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: to
2:15
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: kinda
2:15
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2:16
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Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: a,
2:16
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: as,
2:17
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2:17
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2:17
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: professional
2:17
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2:17
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: systematic
2:18
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: investing.
2:19
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: It
2:19
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: really
2:20
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: grounded
2:20
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2:21
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2:21
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: think
2:21
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: about
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2:22
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2:23
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: of
2:23
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: kinda
2:23
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2:23
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: technology,
2:25
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: investment
2:25
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: acumen,
2:26
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: and
2:26
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: how
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Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: do
2:26
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2:26
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: actually
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2:27
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Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: investment
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2:29
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2:31
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2:32
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2:33
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2:33
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: fixed
2:34
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Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: space.
2:34
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2:35
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Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: few
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Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: journey
2:40
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: kinda
2:40
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: got
2:40
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: me
2:40
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: to
2:41
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: Allspring
2:41
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: here.
2:42
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: And
2:42
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: today
2:42
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: I
2:42
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: kinda
2:43
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: lead
2:43
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: two
2:44
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: verticals
2:44
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: within
2:44
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: Allspring
2:45
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: the
2:45
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: systematic
2:46
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: fixed
2:46
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: income
2:47
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: vertical
2:47
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: and
2:48
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: also
2:48
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: co-lead
2:48
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: the
2:48
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: custom
2:49
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: SMA
2:49
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: vertical.
2:51
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: In
2:51
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: terms
2:51
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: of
2:51
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: Allspring
2:52
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: itself
2:53
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: Allspring
2:53
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: is
2:54
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: a
2:54
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: global
2:54
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: asset
2:54
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: manager,
2:55
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: privately
2:55
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: owned.
2:56
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: We
2:56
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: manage
2:56
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: about
2:57
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: six
2:57
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: hundred
2:57
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: and
2:57
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: twenty-five
2:58
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: billion
2:59
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: in
2:59
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: assets
2:59
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: across
3:00
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: fixed
3:00
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: income,
3:01
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: equities,
3:01
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: and
3:02
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: multi-asset.
3:03
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: And
3:03
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: our
3:03
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: kinda
3:04
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: core
3:04
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: mission,
3:05
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: Ryan,
3:05
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: is
3:05
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: to
3:05
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: really
3:06
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: be
3:06
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: at
3:06
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: the
3:06
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: forefront
3:07
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: of
3:07
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: investing
3:08
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: We
3:08
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: have
3:09
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: different
3:09
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: investment
3:09
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: styles,
3:10
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: fundamental
3:11
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: and
3:11
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: systematic,
3:12
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: and
3:12
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: we've
3:12
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: been
3:12
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: bringing
3:13
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: the
3:13
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: two
3:13
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: together.
3:15
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: We've
3:15
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: been
3:15
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: working
3:15
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: with
3:16
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: clients
3:16
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: to
3:17
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: really
3:17
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: kind
3:17
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: of
3:17
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: meet
3:18
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: them
3:18
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: where
3:18
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: they
3:18
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: are,
3:18
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: provide
3:19
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: solutions
3:20
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: to
3:20
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: them
3:20
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: across
3:20
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: both
3:21
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: institutional
3:21
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: and
3:22
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: the
3:22
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: retail
3:22
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: space.
3:23
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: And
3:23
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: our
3:24
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: mission
3:24
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: is
3:24
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: to
3:24
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: really
3:25
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: you
3:26
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: know,
3:26
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: be
3:26
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: the
3:26
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: best
3:27
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: and
3:27
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: the
3:27
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: easiest
3:28
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: asset
3:28
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: manager
3:28
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: to
3:29
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: work
3:29
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: with
3:29
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: for
3:29
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: our
3:29
Manju Boraiah Head of Systematic Fixed Income, Co-Head of Custom SMA Allspring: clients.
3:31
Ryan: Yeah,
3:32
Ryan: Manju,
3:32
Ryan: that's
3:33
Ryan: fantastic.
3:33
Ryan: I
3:33
Ryan: love
3:34
Ryan: that
3:34
Ryan: you
3:34
Ryan: said
3:34
Ryan: the
3:34
Ryan: easiest
3:35
Ryan: a-
3:36
Ryan: asset
3:36
Ryan: manager
3:37
Ryan: to
3:37
Manju Boraiah: Great.
3:47
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3:48
Ryan: And
3:48
Ryan: I've
3:48
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3:48
Ryan: the
3:48
Ryan: privilege
3:49
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3:50
Ryan: I
3:50
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3:50
Ryan: Noah
3:52
Ryan: from
3:52
Ryan: Allspring
3:53
Ryan: on
3:53
Ryan: the
3:53
Ryan: fixed
3:53
Ryan: income
3:54
Ryan: team.
3:54
Ryan: Fantastic
3:55
Ryan: people
3:55
Ryan: you
3:55
Ryan: guys
3:56
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3:56
Ryan: on
3:56
Ryan: at
3:56
Ryan: Allspring
3:57
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3:57
Ryan: some
3:57
Ryan: re-
3:58
Ryan: I
3:58
Ryan: love
3:58
Ryan: working
3:59
Ryan: with
3:59
Ryan: you
3:59
Ryan: guys
3:59
Ryan: and,
4:00
Ryan: and
4:00
Ryan: great
4:00
Ryan: conversations
4:01
Ryan: and
4:01
Ryan: insights,
4:02
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4:02
Ryan: a
4:02
Ryan: lot
4:02
Ryan: of
4:02
Ryan: fun.
4:03
Manju Boraiah: That's
4:03
Ryan: And
4:04
Manju Boraiah: Yeah.
4:05
Ryan: interesting
4:07
Ryan: you
4:08
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4:08
Ryan: that,
4:09
Ryan: you
4:09
Ryan: know,
4:09
Ryan: systematic
4:10
Ryan: fixed
4:10
Ryan: income.
4:11
Ryan: Do
4:11
Ryan: you
4:11
Manju Boraiah: Mm-hmm.
4:13
Ryan: A
4:13
Ryan: lot
4:13
Ryan: of
4:13
Ryan: people
4:13
Ryan: when
4:13
Ryan: they
4:14
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4:14
Ryan: of
4:14
Ryan: systematic
4:15
Ryan: investing
4:16
Ryan: are,
4:16
Ryan: you
4:16
Ryan: know,
4:16
Ryan: really
4:17
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4:17
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4:17
Ryan: the
4:19
Ryan: side
4:19
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4:20
Ryan: investing,
4:20
Ryan: they
4:20
Ryan: focus
4:21
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4:21
Ryan: on
4:22
Ryan: equities
4:23
Ryan: than
4:23
Manju Boraiah: Great.
4:23
Ryan: Income?
4:24
Ryan: Do
4:24
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4:24
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4:24
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4:25
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4:25
Ryan: sometimes?
4:25
Ryan: They're
4:26
Ryan: like,
4:26
Ryan: "Oh,
4:26
Ryan: systematic
4:27
Ryan: fixed
4:27
Ryan: income,
4:27
Ryan: we
4:27
Ryan: don't
4:28
Ryan: see
4:28
Ryan: that
4:28
Ryan: very
4:28
Ryan: often.
4:29
Ryan: Normally
4:29
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4:29
Ryan: more
4:30
Ryan: on
4:30
Ryan: the
4:30
Ryan: equity
4:31
Ryan: side."
4:32
Manju Boraiah: No,
4:32
Manju Boraiah: it
4:32
Manju Boraiah: is
4:32
Manju Boraiah: true,
4:33
Manju Boraiah: actually.
4:33
Manju Boraiah: I
4:33
Manju Boraiah: mean,
4:33
Manju Boraiah: I
4:33
Manju Boraiah: would
4:33
Manju Boraiah: say
4:34
Manju Boraiah: when
4:34
Manju Boraiah: people
4:35
Manju Boraiah: refer
4:35
Manju Boraiah: to
4:35
Manju Boraiah: systematic,
4:36
Manju Boraiah: they're
4:36
Manju Boraiah: mostly
4:36
Manju Boraiah: talking
4:36
Manju Boraiah: about
4:37
Manju Boraiah: equities.
4:37
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4:37
Manju Boraiah: know
4:38
Manju Boraiah: fixed
4:38
Manju Boraiah: income
4:38
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4:38
Manju Boraiah: hard
4:39
Manju Boraiah: to
4:39
Manju Boraiah: model
4:40
Manju Boraiah: systematically,
4:40
Manju Boraiah: right?
4:41
Manju Boraiah: Because
4:41
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4:41
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4:42
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4:42
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4:42
Manju Boraiah: what
4:42
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4:43
Manju Boraiah: asset
4:43
Manju Boraiah: class
4:44
Manju Boraiah: represent,
4:45
Manju Boraiah: it's
4:45
Manju Boraiah: all
4:45
Manju Boraiah: about
4:46
Manju Boraiah: avoiding
4:46
Manju Boraiah: the
4:46
Manju Boraiah: left
4:47
Manju Boraiah: tail
4:47
Manju Boraiah: risk.
4:47
Manju Boraiah: It's
4:47
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4:47
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4:48
Manju Boraiah: avoiding
4:48
Manju Boraiah: the,
4:48
Manju Boraiah: the
4:49
Manju Boraiah: bad
4:49
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4:49
Manju Boraiah: So
4:50
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4:51
Manju Boraiah: been,
4:51
Manju Boraiah: y-you
4:52
Manju Boraiah: know,
4:52
Manju Boraiah: interesting
4:53
Manju Boraiah: in
4:53
Manju Boraiah: terms
4:53
Manju Boraiah: of
4:53
Manju Boraiah: evolution
4:54
Manju Boraiah: of
4:54
Manju Boraiah: systematic
4:55
Manju Boraiah: investing
4:55
Manju Boraiah: in
4:55
Manju Boraiah: fixed
4:55
Manju Boraiah: income,
4:56
Manju Boraiah: Ryan.
4:56
Manju Boraiah: It
4:56
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4:56
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4:57
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4:57
Manju Boraiah: you
4:58
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4:58
Manju Boraiah: in
4:58
Manju Boraiah: credit.
4:59
Manju Boraiah: But
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5:00
Manju Boraiah: the
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Manju Boraiah: day
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5:01
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5:01
Manju Boraiah: at
5:01
Manju Boraiah: BGI,
5:02
Manju Boraiah: I
5:02
Manju Boraiah: think
5:02
Manju Boraiah: we
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5:02
Manju Boraiah: one
5:03
Manju Boraiah: of
5:03
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5:03
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5:04
Manju Boraiah: you
5:04
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5:04
Manju Boraiah: kind
5:04
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5:04
Manju Boraiah: establishments
5:05
Manju Boraiah: working
5:06
Manju Boraiah: on
5:06
Manju Boraiah: creating
5:06
Manju Boraiah: systematic
5:07
Manju Boraiah: strategies
5:08
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5:08
Manju Boraiah: fixed
5:08
Manju Boraiah: income.
5:10
Manju Boraiah: We
5:10
Manju Boraiah: covered
5:10
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5:10
Manju Boraiah: gamut
5:11
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5:11
Manju Boraiah: those
5:11
Manju Boraiah: days,
5:11
Manju Boraiah: right?
5:11
Manju Boraiah: So
5:13
Manju Boraiah: if
5:13
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5:13
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5:13
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5:13
Manju Boraiah: kind
5:14
Manju Boraiah: of
5:14
Manju Boraiah: fast-forward
5:14
Manju Boraiah: to
5:14
Manju Boraiah: today
5:15
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5:16
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5:16
Manju Boraiah: of
5:16
Manju Boraiah: goes
5:16
Manju Boraiah: across
5:18
Manju Boraiah: sovereigns,
5:19
Manju Boraiah: FX,
5:19
Manju Boraiah: credit,
5:20
Manju Boraiah: and,
5:21
Manju Boraiah: and
5:21
Manju Boraiah: munis
5:21
Manju Boraiah: as
5:21
Manju Boraiah: well,
5:22
Manju Boraiah: where
5:22
Manju Boraiah: you
5:22
Manju Boraiah: can
5:23
Manju Boraiah: apply
5:24
Manju Boraiah: systematic
5:25
Manju Boraiah: rules
5:25
Manju Boraiah: to
5:26
Manju Boraiah: turn
5:26
Manju Boraiah: your
5:26
Manju Boraiah: investment
5:27
Manju Boraiah: insights
5:27
Manju Boraiah: into
5:28
Manju Boraiah: factors
5:29
Manju Boraiah: and,
5:30
Manju Boraiah: you
5:30
Manju Boraiah: know,
5:30
Manju Boraiah: really
5:31
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5:31
Manju Boraiah: those
5:31
Manju Boraiah: factors
5:31
Manju Boraiah: to
5:32
Manju Boraiah: drive
5:32
Manju Boraiah: portfolio
5:32
Manju Boraiah: creation.
5:33
Manju Boraiah: But
5:34
Manju Boraiah: I
5:34
Manju Boraiah: actually
5:34
Manju Boraiah: think
5:35
Manju Boraiah: that
5:35
Manju Boraiah: fixed
5:35
Manju Boraiah: income
5:36
Manju Boraiah: or
5:36
Manju Boraiah: even
5:37
Manju Boraiah: in
5:37
Manju Boraiah: equities,
5:37
Manju Boraiah: you've
5:37
Manju Boraiah: gotta
5:38
Manju Boraiah: have
5:38
Manju Boraiah: a
5:38
Manju Boraiah: hands-on-the-wheel
5:39
Manju Boraiah: approach
5:39
Manju Boraiah: in
5:40
Manju Boraiah: systematic
5:40
Manju Boraiah: investing
5:41
Manju Boraiah: because
5:42
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5:42
Manju Boraiah: model
5:42
Manju Boraiah: is
5:42
Manju Boraiah: perfect,
5:43
Manju Boraiah: as
5:43
Manju Boraiah: you
5:43
Manju Boraiah: know.
5:44
Manju Boraiah: And
5:44
Manju Boraiah: you
5:44
Manju Boraiah: know,
5:44
Manju Boraiah: as
5:45
Manju Boraiah: regimes
5:45
Manju Boraiah: change,
5:46
Manju Boraiah: models
5:46
Manju Boraiah: actually
5:46
Manju Boraiah: underperform,
5:47
Manju Boraiah: so
5:47
Manju Boraiah: you
5:47
Manju Boraiah: have
5:48
Manju Boraiah: to
5:48
Manju Boraiah: have
5:48
Manju Boraiah: the
5:49
Manju Boraiah: flexibility
5:51
Manju Boraiah: and
5:51
Manju Boraiah: agility
5:51
Manju Boraiah: to
5:52
Manju Boraiah: kind
5:52
Manju Boraiah: of
5:52
Manju Boraiah: make
5:52
Manju Boraiah: changes.
5:53
Manju Boraiah: So
5:53
Manju Boraiah: I
5:53
Manju Boraiah: would
5:53
Manju Boraiah: say,
5:54
Manju Boraiah: you
5:54
Manju Boraiah: know,
5:54
Manju Boraiah: you
5:55
Manju Boraiah: have
5:55
Manju Boraiah: to
5:55
Manju Boraiah: have
5:55
Manju Boraiah: the
5:55
Manju Boraiah: best
5:56
Manju Boraiah: autopilot,
5:57
Manju Boraiah: but
5:57
Manju Boraiah: you
5:57
Manju Boraiah: gotta
5:57
Manju Boraiah: have
5:58
Manju Boraiah: hands
5:58
Manju Boraiah: on
5:58
Manju Boraiah: the
5:58
Manju Boraiah: wheel
5:59
Manju Boraiah: all
5:59
Manju Boraiah: the
5:59
Manju Boraiah: time.
6:00
Ryan: Yeah.
6:01
Ryan: Th-
6:01
Ryan: that's
6:02
Ryan: fantastic,
6:03
Ryan: Manju.
6:03
Ryan: I
6:03
Ryan: just
6:04
Ryan: can't
6:05
Ryan: imagine,
6:05
Ryan: you
6:05
Ryan: know,
6:05
Ryan: with
6:06
Ryan: the
6:06
Ryan: fixed
6:06
Ryan: income
6:07
Ryan: space,
6:08
Ryan: it's
6:09
Ryan: huge,
6:09
Ryan: it's
6:09
Ryan: vast,
6:10
Ryan: and
6:10
Ryan: I
6:10
Ryan: feel
6:11
Ryan: like
6:11
Ryan: creating
6:11
Ryan: a
6:11
Ryan: model
6:12
Ryan: based
6:13
Ryan: on
6:13
Ryan: just
6:13
Ryan: all
6:13
Ryan: the
6:14
Ryan: factors
6:14
Ryan: that
6:14
Ryan: go
6:14
Ryan: into
6:15
Ryan: fixed
6:15
Ryan: income,
6:15
Ryan: whether,
6:16
Ryan: you
6:16
Ryan: know,
6:16
Ryan: inflation,
6:17
Ryan: the
6:17
Ryan: macro
6:18
Ryan: side,
6:18
Ryan: interest
6:19
Ryan: rates,
6:20
Ryan: just
6:20
Ryan: a
6:20
Ryan: lot
6:20
Ryan: more
6:21
Ryan: goes
6:21
Ryan: into
6:21
Ryan: it.
6:22
Ryan: I'm
6:23
Ryan: simplifying
6:23
Ryan: it
6:23
Ryan: here,
6:24
Ryan: but
6:24
Ryan: on
6:24
Ryan: equities,
6:25
Ryan: you
6:25
Ryan: know,
6:25
Ryan: you
6:25
Ryan: focus
6:26
Ryan: on
6:26
Ryan: earnings
6:26
Ryan: and,
6:28
Ryan: and
6:28
Ryan: stuff
6:28
Ryan: like
6:28
Ryan: that.
6:28
Ryan: But,
6:29
Manju Boraiah: Great.
6:29
Manju Boraiah: No,
6:29
Manju Boraiah: it's
6:30
Manju Boraiah: different.
6:30
Manju Boraiah: Like,
6:30
Manju Boraiah: I
6:30
Manju Boraiah: mean,
6:30
Manju Boraiah: if
6:31
Manju Boraiah: you
6:31
Manju Boraiah: think
6:31
Manju Boraiah: about
6:31
Manju Boraiah: I'll
6:31
Manju Boraiah: just
6:31
Manju Boraiah: give
6:31
Manju Boraiah: you
6:32
Manju Boraiah: one
6:32
Manju Boraiah: example,
6:32
Manju Boraiah: right?
6:32
Manju Boraiah: Sovereign
6:33
Manju Boraiah: versus
6:33
Manju Boraiah: credit,
6:34
Manju Boraiah: way
6:34
Manju Boraiah: different,
6:34
Manju Boraiah: right?
6:34
Manju Boraiah: So
6:35
Manju Boraiah: the
6:35
Manju Boraiah: factors
6:35
Manju Boraiah: that
6:35
Manju Boraiah: you
6:36
Manju Boraiah: would
6:36
Manju Boraiah: focus
6:36
Manju Boraiah: on,
6:37
Manju Boraiah: you
6:37
Manju Boraiah: know,
6:37
Manju Boraiah: when
6:37
Manju Boraiah: you're
6:38
Manju Boraiah: investing
6:38
Manju Boraiah: in
6:39
Manju Boraiah: government
6:39
Manju Boraiah: bonds
6:40
Manju Boraiah: you
6:40
Manju Boraiah: know,
6:40
Manju Boraiah: you
6:40
Manju Boraiah: have
6:41
Manju Boraiah: to
6:41
Manju Boraiah: think
6:41
Manju Boraiah: about
6:41
Manju Boraiah: the
6:41
Manju Boraiah: macro
6:41
Manju Boraiah: factors
6:42
Manju Boraiah: to
6:42
Manju Boraiah: your
6:42
Manju Boraiah: point,
6:42
Manju Boraiah: like,
6:43
Manju Boraiah: you
6:43
Manju Boraiah: know,
6:43
Manju Boraiah: growth,
6:43
Manju Boraiah: inflation
6:44
Manju Boraiah: monetary
6:45
Manju Boraiah: policy.
6:46
Manju Boraiah: Obviously
6:46
Manju Boraiah: sentiment
6:47
Manju Boraiah: is
6:47
Manju Boraiah: kind
6:47
Manju Boraiah: of
6:47
Manju Boraiah: common,
6:48
Manju Boraiah: like,
6:48
Manju Boraiah: you
6:48
Manju Boraiah: know,
6:48
Manju Boraiah: investor
6:49
Manju Boraiah: sentiment
6:49
Manju Boraiah: and
6:50
Manju Boraiah: how
6:50
Manju Boraiah: do
6:50
Manju Boraiah: you
6:50
Manju Boraiah: express
6:50
Manju Boraiah: it,
6:50
Manju Boraiah: either
6:51
Manju Boraiah: momentum
6:51
Manju Boraiah: or
6:52
Manju Boraiah: cross-asset
6:53
Manju Boraiah: momentum.
6:53
Manju Boraiah: That,
6:54
Manju Boraiah: to
6:54
Manju Boraiah: some
6:54
Manju Boraiah: extent,
6:55
Manju Boraiah: is
6:55
Manju Boraiah: kind
6:55
Manju Boraiah: of
6:55
Manju Boraiah: common
6:55
Manju Boraiah: across
6:56
Manju Boraiah: the
6:56
Manju Boraiah: different
6:56
Manju Boraiah: sectors.
6:57
Manju Boraiah: And
6:57
Manju Boraiah: then
6:57
Manju Boraiah: you
6:58
Manju Boraiah: go
6:58
Manju Boraiah: and
6:58
Manju Boraiah: get
6:58
Manju Boraiah: into
6:58
Manju Boraiah: valuation
6:59
Manju Boraiah: space,
6:59
Manju Boraiah: like
6:59
Manju Boraiah: how
7:00
Manju Boraiah: do
7:00
Manju Boraiah: you
7:00
Manju Boraiah: express,
7:01
Manju Boraiah: you
7:01
Manju Boraiah: know,
7:01
Manju Boraiah: in
7:01
Manju Boraiah: sovereigns
7:02
Manju Boraiah: it's
7:02
Manju Boraiah: about
7:02
Manju Boraiah: carry
7:03
Manju Boraiah: and
7:03
Manju Boraiah: roll
7:03
Manju Boraiah: down
7:04
Manju Boraiah: and
7:04
Manju Boraiah: thinking
7:04
Manju Boraiah: about
7:05
Manju Boraiah: the
7:05
Manju Boraiah: different
7:05
Manju Boraiah: aspects
7:06
Manju Boraiah: of
7:06
Manju Boraiah: the
7:06
Manju Boraiah: yield
7:06
Manju Boraiah: curve.
7:07
Manju Boraiah: In
7:07
Manju Boraiah: credit,
7:08
Manju Boraiah: it's
7:08
Manju Boraiah: different.
7:08
Manju Boraiah: It's
7:09
Manju Boraiah: you're
7:09
Manju Boraiah: really
7:09
Manju Boraiah: thinking
7:09
Manju Boraiah: about
7:10
Manju Boraiah: valuation
7:10
Manju Boraiah: more
7:11
Manju Boraiah: from
7:11
Manju Boraiah: an
7:11
Manju Boraiah: issuer
7:11
Manju Boraiah: perspective.
7:12
Manju Boraiah: So
7:13
Manju Boraiah: there
7:13
Manju Boraiah: are
7:13
Manju Boraiah: all
7:13
Manju Boraiah: these
7:14
Manju Boraiah: nuances,
7:14
Manju Boraiah: but
7:15
Manju Boraiah: I
7:15
Manju Boraiah: would
7:15
Manju Boraiah: say,
7:15
Manju Boraiah: you
7:16
Manju Boraiah: know,
7:16
Manju Boraiah: the
7:16
Manju Boraiah: approach
7:17
Manju Boraiah: that
7:17
Manju Boraiah: you
7:17
Manju Boraiah: take
7:17
Manju Boraiah: where
7:18
Manju Boraiah: you
7:18
Manju Boraiah: think
7:18
Manju Boraiah: about
7:19
Manju Boraiah: the
7:19
Manju Boraiah: return
7:19
Manju Boraiah: drivers
7:20
Manju Boraiah: in
7:20
Manju Boraiah: that
7:20
Manju Boraiah: particular
7:21
Manju Boraiah: asset
7:21
Manju Boraiah: class,
7:22
Manju Boraiah: and
7:22
Manju Boraiah: then
7:22
Manju Boraiah: turning
7:23
Manju Boraiah: those
7:23
Manju Boraiah: return
7:23
Manju Boraiah: drivers
7:24
Manju Boraiah: into
7:24
Manju Boraiah: factors,
7:25
Manju Boraiah: and
7:25
Manju Boraiah: then
7:26
Manju Boraiah: ultimately
7:26
Manju Boraiah: bringing
7:27
Manju Boraiah: them
7:27
Manju Boraiah: together
7:28
Manju Boraiah: in
7:28
Manju Boraiah: a
7:28
Manju Boraiah: multi-factor
7:29
Manju Boraiah: approach.
7:30
Manju Boraiah: I
7:30
Manju Boraiah: think
7:30
Manju Boraiah: that's,
7:31
Manju Boraiah: that's
7:31
Manju Boraiah: really
7:31
Manju Boraiah: the,
7:32
Manju Boraiah: the
7:32
Manju Boraiah: process,
7:33
Manju Boraiah: right?
7:34
Ryan: Yeah.
7:35
Ryan: Well,
7:35
Ryan: Manju,
7:36
Ryan: we'll
7:36
Ryan: have
7:36
Ryan: to
7:36
Ryan: schedule
7:37
Ryan: another
7:38
Ryan: podcast
7:39
Manju Boraiah: Yeah.
7:39
Ryan: talk
7:39
Ryan: about,
7:40
Ryan: about
7:40
Ryan: that
7:40
Ryan: side.
7:41
Ryan: That
7:41
Ryan: sounds
7:41
Ryan: fantastic,
7:42
Ryan: very
7:42
Ryan: interesting
7:43
Ryan: conversation
7:44
Ryan: right
7:44
Ryan: there.
7:45
Ryan: So
7:46
Ryan: get
7:46
Ryan: you
7:46
Ryan: on
7:46
Ryan: the
7:46
Ryan: podcast
7:47
Ryan: for
7:47
Ryan: that.
7:47
Ryan: Let's
7:48
Ryan: talk
7:49
Ryan: about
7:50
Ryan: some
7:50
Ryan: of
7:50
Ryan: the
7:50
Ryan: trends
7:50
Ryan: you're
7:51
Ryan: seeing
7:51
Ryan: in
7:51
Ryan: investment
7:52
Ryan: management.
7:52
Ryan: Like
7:53
Ryan: I
7:53
Ryan: said
7:53
Ryan: at
7:53
Ryan: the
7:53
Ryan: open,
7:55
Ryan: there's
7:55
Ryan: a
7:55
Ryan: lot
7:55
Ryan: of
7:55
Ryan: evolution
7:56
Ryan: in
7:56
Ryan: this
7:56
Ryan: space,
7:57
Ryan: especially
7:57
Ryan: investment
7:58
Ryan: management,
7:58
Ryan: whether
7:59
Ryan: it's
7:59
Ryan: been
7:59
Ryan: driven
7:59
Ryan: by
8:00
Ryan: fee
8:00
Ryan: compression,
8:01
Ryan: that
8:01
Ryan: race
8:02
Ryan: to
8:02
Ryan: zero
8:03
Ryan: or
8:03
Ryan: technology.
8:05
Ryan: But
8:05
Ryan: a
8:05
Ryan: lot
8:06
Ryan: of
8:06
Ryan: a-
8:06
Ryan: lot's
8:07
Ryan: happening
8:07
Ryan: there
8:07
Ryan: for
8:07
Ryan: financial
8:08
Ryan: advisors.
8:09
Ryan: And,
8:09
Ryan: and
8:09
Ryan: their,
8:10
Ryan: their
8:10
Ryan: plate's
8:10
Ryan: getting
8:11
Ryan: bigger
8:11
Ryan: too,
8:11
Ryan: right?
8:11
Ryan: Not
8:12
Ryan: only
8:12
Ryan: is
8:12
Ryan: it
8:12
Ryan: just
8:12
Ryan: investment
8:13
Ryan: management,
8:14
Ryan: they've
8:14
Ryan: got
8:14
Ryan: to
8:14
Ryan: worry
8:14
Ryan: about,
8:15
Ryan: you
8:15
Ryan: know,
8:16
Ryan: compliance,
8:16
Ryan: marketing,
8:17
Ryan: financial
8:18
Ryan: planning.
8:18
Ryan: What
8:19
Ryan: do
8:19
Ryan: you
8:19
Ryan: feel
8:19
Ryan: is
8:19
Ryan: the
8:19
Ryan: biggest
8:20
Ryan: trend
8:21
Ryan: investment
8:22
Ryan: management?
8:24
Manju Boraiah: I
8:24
Manju Boraiah: mean,
8:24
Manju Boraiah: I
8:24
Manju Boraiah: think
8:25
Manju Boraiah: all
8:25
Manju Boraiah: the
8:25
Manju Boraiah: trends
8:25
Manju Boraiah: that
8:26
Manju Boraiah: you
8:26
Manju Boraiah: highlighted,
8:26
Manju Boraiah: Ryan
8:27
Manju Boraiah: are
8:27
Manju Boraiah: essentially
8:28
Manju Boraiah: unfolding
8:29
Manju Boraiah: as
8:29
Manju Boraiah: we
8:29
Manju Boraiah: speak.
8:30
Manju Boraiah: From
8:30
Manju Boraiah: a
8:30
Manju Boraiah: wealth
8:31
Manju Boraiah: management
8:31
Manju Boraiah: perspective,
8:32
Manju Boraiah: I
8:32
Manju Boraiah: would
8:32
Manju Boraiah: say
8:32
Manju Boraiah: the
8:33
Manju Boraiah: biggest
8:33
Manju Boraiah: trend
8:33
Manju Boraiah: that
8:34
Manju Boraiah: that
8:34
Manju Boraiah: I'm
8:35
Manju Boraiah: personally
8:35
Manju Boraiah: seeing
8:35
Manju Boraiah: is
8:36
Manju Boraiah: really
8:36
Manju Boraiah: the,
8:37
Manju Boraiah: the
8:37
Manju Boraiah: notion
8:37
Manju Boraiah: of
8:38
Manju Boraiah: outsourced
8:38
Manju Boraiah: investment
8:39
Manju Boraiah: management,
8:39
Manju Boraiah: right?
8:39
Manju Boraiah: So
8:40
Manju Boraiah: if
8:40
Manju Boraiah: you
8:40
Manju Boraiah: think
8:40
Manju Boraiah: about
8:41
Manju Boraiah: You
8:41
Manju Boraiah: know,
8:41
Manju Boraiah: with
8:41
Manju Boraiah: the
8:41
Manju Boraiah: advisor
8:42
Manju Boraiah: you
8:42
Manju Boraiah: know,
8:43
Manju Boraiah: how
8:43
Manju Boraiah: their
8:43
Manju Boraiah: time
8:43
Manju Boraiah: is
8:44
Manju Boraiah: spent
8:44
Manju Boraiah: on
8:44
Manju Boraiah: a
8:44
Manju Boraiah: given
8:44
Manju Boraiah: day,
8:45
Manju Boraiah: they
8:46
Manju Boraiah: have
8:46
Manju Boraiah: lots
8:46
Manju Boraiah: to
8:46
Manju Boraiah: cover.
8:47
Manju Boraiah: You
8:47
Manju Boraiah: know,
8:47
Manju Boraiah: practice
8:48
Manju Boraiah: management
8:49
Manju Boraiah: is
8:49
Manju Boraiah: a
8:49
Manju Boraiah: big
8:50
Manju Boraiah: portion
8:50
Manju Boraiah: of
8:50
Manju Boraiah: what
8:50
Manju Boraiah: they
8:50
Manju Boraiah: do.
8:51
Manju Boraiah: But
8:51
Manju Boraiah: being
8:51
Manju Boraiah: able
8:51
Manju Boraiah: to
8:52
Manju Boraiah: manage
8:52
Manju Boraiah: portfolios
8:53
Manju Boraiah: for
8:53
Manju Boraiah: clients
8:54
Manju Boraiah: to
8:54
Manju Boraiah: drive
8:54
Manju Boraiah: those
8:55
Manju Boraiah: portfolios
8:55
Manju Boraiah: to
8:56
Manju Boraiah: optimal
8:56
Manju Boraiah: outcomes,
8:57
Manju Boraiah: that's,
8:58
Manju Boraiah: that's
8:58
Manju Boraiah: a
8:58
Manju Boraiah: challenging
8:59
Manju Boraiah: role.
8:59
Manju Boraiah: And
8:59
Manju Boraiah: being
9:00
Manju Boraiah: able
9:00
Manju Boraiah: to
9:00
Manju Boraiah: navigate
9:01
Manju Boraiah: the,
9:01
Manju Boraiah: the
9:01
Manju Boraiah: different
9:02
Manju Boraiah: macro
9:02
Manju Boraiah: scenarios
9:03
Manju Boraiah: it's
9:03
Manju Boraiah: not
9:04
Manju Boraiah: easy.
9:04
Manju Boraiah: So
9:04
Manju Boraiah: what
9:04
Manju Boraiah: we've
9:04
Manju Boraiah: seen
9:05
Manju Boraiah: is
9:05
Manju Boraiah: the
9:06
Manju Boraiah: evolution
9:06
Manju Boraiah: really
9:06
Manju Boraiah: started
9:07
Manju Boraiah: a
9:07
Manju Boraiah: few
9:08
Manju Boraiah: years
9:08
Manju Boraiah: or
9:08
Manju Boraiah: decades
9:08
Manju Boraiah: ago,
9:09
Manju Boraiah: where
9:10
Manju Boraiah: parts
9:10
Manju Boraiah: of
9:10
Manju Boraiah: the
9:10
Manju Boraiah: portfolios
9:11
Manju Boraiah: were
9:12
Manju Boraiah: being
9:12
Manju Boraiah: outsourced,
9:13
Manju Boraiah: obviously,
9:13
Manju Boraiah: through
9:14
Manju Boraiah: funds
9:14
Manju Boraiah: or
9:14
Manju Boraiah: ETFs
9:15
Manju Boraiah: as,
9:16
Manju Boraiah: as
9:16
Manju Boraiah: the
9:16
Manju Boraiah: vehicles
9:16
Manju Boraiah: evolved
9:17
Manju Boraiah: that
9:18
Manju Boraiah: those
9:18
Manju Boraiah: wrappers
9:18
Manju Boraiah: have
9:19
Manju Boraiah: evolved
9:19
Manju Boraiah: as
9:19
Manju Boraiah: well.
9:20
Manju Boraiah: But
9:20
Manju Boraiah: what
9:20
Manju Boraiah: we
9:20
Manju Boraiah: have
9:20
Manju Boraiah: seen
9:21
Manju Boraiah: in
9:21
Manju Boraiah: the
9:21
Manju Boraiah: last
9:22
Manju Boraiah: few
9:22
Manju Boraiah: years
9:22
Manju Boraiah: is
9:23
Manju Boraiah: really
9:23
Manju Boraiah: as
9:23
Manju Boraiah: customization
9:24
Manju Boraiah: and
9:25
Manju Boraiah: the
9:25
Manju Boraiah: need
9:25
Manju Boraiah: for
9:25
Manju Boraiah: tax
9:26
Manju Boraiah: efficiency
9:26
Manju Boraiah: has
9:27
Manju Boraiah: taken
9:27
Manju Boraiah: hold,
9:28
Manju Boraiah: more
9:28
Manju Boraiah: and
9:28
Manju Boraiah: more
9:29
Manju Boraiah: advisors
9:29
Manju Boraiah: are
9:29
Manju Boraiah: looking
9:30
Manju Boraiah: to
9:31
Manju Boraiah: places
9:31
Manju Boraiah: like
9:31
Manju Boraiah: custom
9:31
Manju Boraiah: SMAs
9:32
Manju Boraiah: or
9:32
Manju Boraiah: even
9:32
Manju Boraiah: active
9:33
Manju Boraiah: ETFs
9:34
Manju Boraiah: to
9:34
Manju Boraiah: essentially
9:34
Manju Boraiah: deliver
9:35
Manju Boraiah: optimal
9:36
Manju Boraiah: outcomes
9:37
Manju Boraiah: to
9:37
Manju Boraiah: clients
9:37
Manju Boraiah: and,
9:38
Manju Boraiah: and
9:38
Manju Boraiah: also
9:38
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9:38
Manju Boraiah: in
9:38
Manju Boraiah: tax
9:39
Manju Boraiah: efficiency.
9:40
Manju Boraiah: So
9:40
Manju Boraiah: we
9:40
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9:40
Manju Boraiah: a
9:41
Manju Boraiah: pretty
9:41
Manju Boraiah: huge
9:41
Manju Boraiah: influx
9:42
Manju Boraiah: in
9:42
Manju Boraiah: the
9:42
Manju Boraiah: last,
9:43
Manju Boraiah: call
9:43
Manju Boraiah: it
9:43
Manju Boraiah: like
9:43
Manju Boraiah: half
9:44
Manju Boraiah: a
9:44
Manju Boraiah: decade,
9:45
Manju Boraiah: where
9:45
Manju Boraiah: advisors
9:46
Manju Boraiah: started
9:46
Manju Boraiah: embracing
9:47
Manju Boraiah: custom
9:47
Manju Boraiah: SMAs
9:48
Manju Boraiah: across
9:49
Manju Boraiah: both
9:49
Manju Boraiah: fixed
9:49
Manju Boraiah: income
9:50
Manju Boraiah: and,
9:50
Manju Boraiah: and
9:50
Manju Boraiah: equities,
9:51
Manju Boraiah: I
9:51
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9:51
Manju Boraiah: say
9:52
Manju Boraiah: active
9:52
Manju Boraiah: and
9:52
Manju Boraiah: passive.
9:53
Manju Boraiah: So
9:53
Manju Boraiah: that
9:53
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9:54
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9:55
Manju Boraiah: So
9:55
Manju Boraiah: taking
9:56
Manju Boraiah: that
9:56
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9:56
Manju Boraiah: the
9:56
Manju Boraiah: next
9:57
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9:57
Manju Boraiah: what
9:57
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9:57
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9:58
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9:58
Manju Boraiah: the
9:58
Manju Boraiah: recent
9:59
Manju Boraiah: past
9:59
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10:00
Manju Boraiah: asset
10:00
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10:01
Manju Boraiah: itself,
10:01
Manju Boraiah: right?
10:02
Manju Boraiah: Going
10:02
Manju Boraiah: beyond
10:02
Manju Boraiah: sleeves
10:03
Manju Boraiah: to
10:03
Manju Boraiah: the
10:04
Manju Boraiah: overall
10:04
Manju Boraiah: portfolio,
10:05
Manju Boraiah: that's
10:06
Manju Boraiah: now
10:06
Manju Boraiah: being
10:06
Manju Boraiah: outsourced
10:07
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10:07
Manju Boraiah: models.
10:08
Manju Boraiah: So
10:09
Manju Boraiah: the
10:09
Manju Boraiah: concept
10:09
Manju Boraiah: of
10:09
Manju Boraiah: third-party
10:10
Manju Boraiah: models,
10:11
Manju Boraiah: again,
10:11
Manju Boraiah: that
10:12
Manju Boraiah: has
10:12
Manju Boraiah: evolved
10:13
Manju Boraiah: from
10:13
Manju Boraiah: just
10:14
Manju Boraiah: pure
10:14
Manju Boraiah: off-the-shelf
10:15
Manju Boraiah: models
10:15
Manju Boraiah: to
10:15
Manju Boraiah: now
10:16
Manju Boraiah: what's
10:16
Manju Boraiah: referred
10:16
Manju Boraiah: to
10:17
Manju Boraiah: as
10:17
Manju Boraiah: the
10:17
Manju Boraiah: custom
10:17
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10:18
Manju Boraiah: The
10:18
Manju Boraiah: idea
10:19
Manju Boraiah: is
10:19
Manju Boraiah: bringing
10:20
Manju Boraiah: the
10:20
Manju Boraiah: best-of-breed
10:21
Manju Boraiah: solutions
10:22
Manju Boraiah: from
10:22
Manju Boraiah: different
10:23
Manju Boraiah: managers
10:24
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10:24
Manju Boraiah: you
10:25
Manju Boraiah: know,
10:25
Manju Boraiah: offering
10:25
Manju Boraiah: those
10:26
Manju Boraiah: kinda
10:26
Manju Boraiah: like
10:26
Manju Boraiah: white-labeled
10:27
Manju Boraiah: portfolios
10:29
Manju Boraiah: to
10:29
Manju Boraiah: clients,
10:29
Manju Boraiah: and
10:30
Manju Boraiah: then
10:30
Manju Boraiah: evolving
10:30
Manju Boraiah: that
10:31
Manju Boraiah: through
10:31
Manju Boraiah: time.
10:31
Manju Boraiah: So
10:32
Manju Boraiah: I
10:32
Manju Boraiah: would
10:32
Manju Boraiah: say
10:32
Manju Boraiah: that
10:32
Manju Boraiah: that's
10:33
Manju Boraiah: really
10:33
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10:33
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10:33
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10:34
Manju Boraiah: as
10:34
Manju Boraiah: the,
10:34
Manju Boraiah: the
10:35
Manju Boraiah: biggest
10:35
Manju Boraiah: trend
10:35
Manju Boraiah: so
10:36
Manju Boraiah: that,
10:36
Manju Boraiah: that
10:36
Manju Boraiah: frees
10:37
Manju Boraiah: up
10:37
Manju Boraiah: advisors
10:37
Manju Boraiah: to
10:38
Manju Boraiah: focus
10:38
Manju Boraiah: on
10:38
Manju Boraiah: what
10:38
Manju Boraiah: they
10:38
Manju Boraiah: really--
10:39
Manju Boraiah: where
10:39
Manju Boraiah: they
10:39
Manju Boraiah: can
10:39
Manju Boraiah: really
10:40
Manju Boraiah: add
10:40
Manju Boraiah: value.
10:42
Manju Boraiah: Great,
11:15
Ryan: they
11:15
Ryan: want
11:16
Ryan: customization,
11:17
Ryan: they
11:17
Ryan: want
11:17
Ryan: tax
11:18
Manju Boraiah: yeah.
11:18
Ryan: and
11:18
Ryan: SMEs
11:19
Ryan: provide
11:20
Manju Boraiah: No,
11:20
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11:20
Ryan: to
11:20
Ryan: the
11:20
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11:22
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11:22
Ryan: that
11:22
Ryan: investment
11:22
Ryan: management
11:23
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11:24
Ryan: like
11:24
Ryan: you
11:24
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11:25
Ryan: you
11:25
Ryan: could
11:26
Ryan: say
11:26
Ryan: manager
11:26
Ryan: selections
11:27
Ryan: become,
11:27
Ryan: you
11:28
Ryan: know,
11:28
Ryan: commoditized.
11:29
Ryan: You
11:29
Ryan: don't,
11:30
Ryan: you
11:30
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11:30
Ryan: financial
11:30
Ryan: advisors,
11:31
Ryan: like
11:31
Ryan: you
11:31
Ryan: said,
11:32
Ryan: they
11:32
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11:32
Ryan: necessarily
11:32
Ryan: have
11:33
Ryan: time
11:33
Ryan: to
11:33
Ryan: sit
11:33
Ryan: behind
11:34
Ryan: their
11:34
Ryan: desktop
11:35
Ryan: and
11:35
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11:36
Ryan: for
11:37
Ryan: with
11:38
Ryan: the
11:38
Ryan: best
11:38
Ryan: sharp
11:38
Ryan: ratio
11:39
Ryan: or
11:39
Ryan: lower,
11:40
Ryan: lowest
11:40
Ryan: standard
11:41
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11:42
Ryan: That's
11:42
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11:43
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11:43
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11:43
Ryan: getting
11:43
Ryan: their
11:43
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11:44
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11:45
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11:45
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11:45
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11:46
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11:46
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11:46
Ryan: value
11:47
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11:47
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11:47
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11:48
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11:48
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11:49
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11:49
Ryan: outsourcing
11:50
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11:51
Ryan: management
11:51
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11:52
Ryan: to
11:52
Ryan: when
11:52
Ryan: I
11:52
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11:53
Ryan: Manju?
11:54
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11:54
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11:54
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11:55
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11:55
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11:56
Ryan: value
11:56
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11:57
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11:57
Ryan: manager
11:58
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11:59
Ryan: "Oh,
11:59
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11:59
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11:59
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12:00
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12:00
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12:00
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12:00
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12:01
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12:01
Ryan: you
12:01
Ryan: with
12:01
Ryan: the
12:01
Ryan: best
12:02
Ryan: investments."
12:03
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12:03
Ryan: let's
12:03
Ryan: commoditize.
12:04
Ryan: How
12:04
Ryan: can
12:04
Ryan: financial
12:05
Ryan: advisors
12:05
Ryan: add
12:06
Ryan: value?
12:07
Manju Boraiah: Yeah.
12:07
Manju Boraiah: Yeah,
12:07
Manju Boraiah: no,
12:08
Manju Boraiah: it's
12:08
Manju Boraiah: a
12:08
Manju Boraiah: great
12:08
Manju Boraiah: question,
12:09
Manju Boraiah: Ryan.
12:09
Manju Boraiah: I
12:09
Manju Boraiah: mean,
12:09
Manju Boraiah: I
12:09
Manju Boraiah: think
12:10
Manju Boraiah: it--
12:10
Manju Boraiah: that's
12:10
Manju Boraiah: really
12:10
Manju Boraiah: where
12:11
Manju Boraiah: I
12:11
Manju Boraiah: would
12:11
Manju Boraiah: say
12:12
Manju Boraiah: there
12:12
Manju Boraiah: are
12:12
Manju Boraiah: certain
12:13
Manju Boraiah: gaps
12:13
Manju Boraiah: in
12:13
Manju Boraiah: the
12:13
Manju Boraiah: industry
12:14
Manju Boraiah: that
12:14
Manju Boraiah: advisors
12:15
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12:15
Manju Boraiah: really
12:15
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12:16
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12:16
Manju Boraiah: my
12:16
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12:16
Manju Boraiah: So
12:17
Manju Boraiah: if
12:17
Manju Boraiah: you
12:17
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12:17
Manju Boraiah: about
12:17
Manju Boraiah: like,
12:17
Manju Boraiah: you
12:18
Manju Boraiah: know,
12:18
Manju Boraiah: let's
12:18
Manju Boraiah: take
12:18
Manju Boraiah: financial
12:18
Manju Boraiah: planning
12:19
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12:19
Manju Boraiah: an
12:19
Manju Boraiah: example,
12:19
Manju Boraiah: right?
12:20
Manju Boraiah: So
12:20
Manju Boraiah: financial
12:21
Manju Boraiah: planning
12:22
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12:22
Manju Boraiah: a
12:22
Manju Boraiah: commoditized
12:22
Manju Boraiah: tool
12:23
Manju Boraiah: where
12:23
Manju Boraiah: you
12:23
Manju Boraiah: know,
12:24
Manju Boraiah: advisors
12:24
Manju Boraiah: will
12:25
Manju Boraiah: get
12:25
Manju Boraiah: their
12:25
Manju Boraiah: clients,
12:25
Manju Boraiah: they
12:26
Manju Boraiah: fill
12:26
Manju Boraiah: out
12:26
Manju Boraiah: a
12:26
Manju Boraiah: questionnaire
12:27
Manju Boraiah: that
12:27
Manju Boraiah: questionnaire
12:28
Manju Boraiah: gets
12:28
Manju Boraiah: turned
12:28
Manju Boraiah: into
12:28
Manju Boraiah: a
12:29
Manju Boraiah: score.
12:30
Manju Boraiah: And
12:30
Manju Boraiah: what
12:30
Manju Boraiah: happens
12:31
Manju Boraiah: generally
12:31
Manju Boraiah: is
12:32
Manju Boraiah: that
12:32
Manju Boraiah: that
12:32
Manju Boraiah: score
12:32
Manju Boraiah: gets
12:33
Manju Boraiah: mapped
12:33
Manju Boraiah: to
12:34
Manju Boraiah: a
12:34
Manju Boraiah: portfolio.
12:35
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12:35
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12:35
Manju Boraiah: portfolio
12:36
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12:36
Manju Boraiah: kind
12:36
Manju Boraiah: of
12:36
Manju Boraiah: what
12:36
Manju Boraiah: the
12:36
Manju Boraiah: advisor
12:37
Manju Boraiah: would
12:37
Manju Boraiah: suggest
12:38
Manju Boraiah: to
12:38
Manju Boraiah: their
12:38
Manju Boraiah: clients
12:38
Manju Boraiah: that
12:39
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12:39
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12:39
Manju Boraiah: in.
12:40
Manju Boraiah: Obviously,
12:41
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12:41
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12:41
Manju Boraiah: are
12:41
Manju Boraiah: evolutions
12:42
Manju Boraiah: and
12:43
Manju Boraiah: flavors
12:44
Manju Boraiah: or...
12:44
Manju Boraiah: of,
12:44
Manju Boraiah: of
12:44
Manju Boraiah: this
12:44
Manju Boraiah: process,
12:45
Manju Boraiah: but
12:45
Manju Boraiah: the
12:46
Manju Boraiah: process
12:46
Manju Boraiah: of
12:47
Manju Boraiah: taking
12:47
Manju Boraiah: the
12:47
Manju Boraiah: financial
12:48
Manju Boraiah: planning
12:48
Manju Boraiah: and
12:48
Manju Boraiah: mapping
12:49
Manju Boraiah: that
12:49
Manju Boraiah: to
12:49
Manju Boraiah: the
12:49
Manju Boraiah: portfolio,
12:51
Manju Boraiah: in
12:51
Manju Boraiah: my
12:51
Manju Boraiah: view,
12:51
Manju Boraiah: is
12:51
Manju Boraiah: a
12:51
Manju Boraiah: critical
12:52
Manju Boraiah: task,
12:53
Manju Boraiah: right?
12:53
Manju Boraiah: That's,
12:53
Manju Boraiah: that's
12:54
Manju Boraiah: where
12:54
Manju Boraiah: you're
12:54
Manju Boraiah: mapping
12:55
Manju Boraiah: the
12:55
Manju Boraiah: objectives,
12:56
Manju Boraiah: the
12:56
Manju Boraiah: goals,
12:56
Manju Boraiah: and
12:57
Manju Boraiah: the
12:57
Manju Boraiah: constraints
12:57
Manju Boraiah: of
12:57
Manju Boraiah: your
12:57
Manju Boraiah: clients
12:58
Manju Boraiah: to
12:59
Manju Boraiah: portfolios
13:00
Manju Boraiah: that
13:00
Manju Boraiah: can
13:00
Manju Boraiah: be
13:00
Manju Boraiah: optimally
13:01
Manju Boraiah: structured
13:01
Manju Boraiah: to
13:02
Manju Boraiah: meet
13:02
Manju Boraiah: those
13:02
Manju Boraiah: goals
13:02
Manju Boraiah: and
13:02
Manju Boraiah: constraints.
13:03
Manju Boraiah: And
13:04
Manju Boraiah: that
13:04
Manju Boraiah: process
13:05
Manju Boraiah: is,
13:05
Manju Boraiah: in
13:05
Manju Boraiah: my
13:05
Manju Boraiah: view,
13:06
Manju Boraiah: not
13:06
Manju Boraiah: trivial.
13:07
Manju Boraiah: And
13:07
Manju Boraiah: to
13:07
Manju Boraiah: me,
13:07
Manju Boraiah: that
13:08
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13:08
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13:08
Manju Boraiah: where
13:09
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13:09
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13:10
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13:10
Manju Boraiah: a
13:10
Manju Boraiah: huge
13:10
Manju Boraiah: amount
13:11
Manju Boraiah: of
13:11
Manju Boraiah: value.
13:12
Manju Boraiah: And
13:12
Manju Boraiah: that's
13:12
Manju Boraiah: just
13:13
Manju Boraiah: for
13:13
Manju Boraiah: one
13:13
Manju Boraiah: account,
13:13
Manju Boraiah: right?
13:14
Manju Boraiah: Or
13:14
Manju Boraiah: one
13:14
Manju Boraiah: individual
13:15
Manju Boraiah: within
13:15
Manju Boraiah: a
13:15
Manju Boraiah: household.
13:16
Manju Boraiah: But
13:16
Manju Boraiah: can
13:16
Manju Boraiah: I
13:16
Manju Boraiah: extrapolate
13:17
Manju Boraiah: that
13:17
Manju Boraiah: to
13:17
Manju Boraiah: the
13:17
Manju Boraiah: entire
13:18
Manju Boraiah: household?
13:19
Manju Boraiah: How
13:19
Manju Boraiah: do
13:19
Manju Boraiah: you
13:19
Manju Boraiah: then
13:20
Manju Boraiah: kind
13:20
Manju Boraiah: of
13:20
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13:20
Manju Boraiah: the,
13:21
Manju Boraiah: the
13:21
Manju Boraiah: different
13:21
Manju Boraiah: entities
13:22
Manju Boraiah: and
13:22
Manju Boraiah: the
13:22
Manju Boraiah: different
13:23
Manju Boraiah: individuals
13:24
Manju Boraiah: within
13:24
Manju Boraiah: the
13:24
Manju Boraiah: household
13:25
Manju Boraiah: and
13:25
Manju Boraiah: create
13:26
Manju Boraiah: the
13:26
Manju Boraiah: best
13:26
Manju Boraiah: outcome
13:27
Manju Boraiah: for
13:27
Manju Boraiah: clients
13:27
Manju Boraiah: or
13:28
Manju Boraiah: for
13:28
Manju Boraiah: the
13:28
Manju Boraiah: entire
13:28
Manju Boraiah: household?
13:29
Manju Boraiah: So
13:29
Manju Boraiah: to
13:29
Manju Boraiah: me,
13:30
Manju Boraiah: going
13:31
Manju Boraiah: beyond
13:31
Manju Boraiah: financial
13:32
Manju Boraiah: advice
13:32
Manju Boraiah: and,
13:33
Manju Boraiah: you
13:33
Manju Boraiah: know,
13:33
Manju Boraiah: kind
13:34
Manju Boraiah: of
13:34
Manju Boraiah: mapping
13:34
Manju Boraiah: that
13:35
Manju Boraiah: to
13:35
Manju Boraiah: portfolios
13:37
Manju Boraiah: and
13:37
Manju Boraiah: ultimately
13:38
Manju Boraiah: managing
13:38
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13:39
Manju Boraiah: goals
13:39
Manju Boraiah: and
13:39
Manju Boraiah: the
13:39
Manju Boraiah: constraints
13:40
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13:40
Manju Boraiah: the
13:40
Manju Boraiah: entire
13:41
Manju Boraiah: household,
13:42
Manju Boraiah: that
13:42
Manju Boraiah: to
13:43
Manju Boraiah: me
13:43
Manju Boraiah: is
13:43
Manju Boraiah: a,
13:43
Manju Boraiah: is
13:44
Manju Boraiah: a
13:44
Manju Boraiah: place
13:44
Manju Boraiah: where
13:44
Manju Boraiah: advisors
13:45
Manju Boraiah: need
13:45
Manju Boraiah: to
13:45
Manju Boraiah: step
13:46
Manju Boraiah: up
13:46
Manju Boraiah: and
13:46
Manju Boraiah: add
13:46
Manju Boraiah: value
13:48
Manju Boraiah: The
13:48
Manju Boraiah: other
13:48
Manju Boraiah: piece
13:48
Manju Boraiah: is,
13:49
Manju Boraiah: like,
13:49
Manju Boraiah: really
13:49
Manju Boraiah: driving
13:50
Manju Boraiah: tax
13:50
Manju Boraiah: efficiency.
13:52
Manju Boraiah: So
13:52
Manju Boraiah: if
13:52
Manju Boraiah: you
13:52
Manju Boraiah: really
13:52
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13:53
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17:35
Manju Boraiah: also
17:35
Manju Boraiah: a
17:36
Manju Boraiah: huge
17:36
Manju Boraiah: opportunity,
17:36
Manju Boraiah: in
17:36
Manju Boraiah: my
17:37
Manju Boraiah: view,
17:37
Manju Boraiah: for
17:38
Manju Boraiah: the
17:38
Manju Boraiah: industry
17:38
Manju Boraiah: to
17:39
Manju Boraiah: transform
17:39
Manju Boraiah: and
17:39
Manju Boraiah: evolve
17:40
Manju Boraiah: and,
17:41
Manju Boraiah: and
17:41
Manju Boraiah: get
17:41
Manju Boraiah: to
17:41
Manju Boraiah: a,
17:42
Manju Boraiah: a
17:42
Manju Boraiah: better
17:42
Manju Boraiah: place
17:42
Manju Boraiah: from
17:43
Manju Boraiah: an
17:43
Manju Boraiah: efficiency
17:43
Manju Boraiah: perspective.
17:45
Ryan: Yeah,
17:46
Ryan: that's
17:46
Ryan: really
17:46
Ryan: interesting.
17:47
Ryan: You
17:47
Ryan: talk
17:48
Ryan: about
17:49
Ryan: I
17:49
Ryan: love
17:50
Ryan: that,
17:50
Ryan: aggregation
17:51
Ryan: without
17:51
Ryan: integration.
17:52
Ryan: And
17:52
Ryan: you
17:52
Ryan: talked
17:53
Ryan: about,
17:53
Ryan: you
17:53
Ryan: know,
17:54
Ryan: consolidation,
17:55
Ryan: a
17:56
Ryan: lot
17:56
Ryan: of
17:56
Ryan: M&A
17:57
Ryan: on
17:57
Ryan: the,
17:57
Ryan: you
17:58
Ryan: know,
17:58
Ryan: fin-
17:58
Ryan: financial
17:59
Ryan: advisory
17:59
Ryan: space,
18:00
Ryan: but
18:00
Ryan: there's
18:00
Ryan: also
18:01
Ryan: M&A
18:01
Ryan: on
18:01
Ryan: the
18:02
Ryan: inve-
18:03
Ryan: asset
18:03
Ryan: management
18:04
Ryan: side
18:04
Ryan: too.
18:05
Manju Boraiah: Right.
18:05
Ryan: Some
18:06
Ryan: management
18:06
Ryan: firms
18:07
Ryan: integrate,
18:07
Ryan: you
18:07
Ryan: know,
18:08
Ryan: merging.
18:09
Ryan: So
18:10
Ryan: that
18:11
Ryan: to,
18:11
Ryan: you
18:12
Ryan: the
18:12
Ryan: problem
18:12
Ryan: of
18:13
Ryan: aggregation
18:13
Ryan: without
18:14
Ryan: integration,
18:14
Ryan: which
18:15
Ryan: I
18:15
Ryan: think
18:15
Ryan: is
18:15
Ryan: really
18:15
Ryan: fascinating,
18:16
Ryan: is
18:17
Ryan: it
18:17
Ryan: for
18:17
Ryan: financial
18:18
Ryan: advisors?
18:19
Ryan: All
18:19
Ryan: right,
18:20
Ryan: just
18:20
Ryan: go
18:20
Ryan: with
18:21
Ryan: one
18:21
Ryan: asset
18:21
Ryan: management
18:22
Ryan: firm.
18:23
Ryan: They've
18:23
Ryan: got
18:24
Ryan: equities,
18:24
Ryan: international,
18:25
Ryan: domestic
18:26
Ryan: fixed
18:26
Ryan: income.
18:27
Ryan: They've
18:27
Ryan: got
18:28
Manju Boraiah: think
18:28
Ryan: whole
18:28
Ryan: suite
18:29
Ryan: of
18:29
Ryan: products.
18:29
Manju Boraiah: there
18:30
Ryan: that
18:30
Ryan: the
18:30
Ryan: solution?
18:31
Ryan: Just
18:31
Ryan: go
18:31
Ryan: with
18:31
Ryan: one
18:32
Ryan: asset
18:32
Ryan: management
18:33
Ryan: firm
18:33
Ryan: and
18:33
Ryan: try
18:33
Ryan: and
18:34
Ryan: have
18:34
Ryan: that
18:34
Ryan: aggregation
18:35
Ryan: of
18:35
Ryan: household
18:36
Ryan: there?
18:36
Ryan: Or
18:36
Ryan: are
18:36
Ryan: there
18:37
Ryan: other
18:37
Ryan: solutions
18:38
Ryan: to
18:38
Ryan: this
18:39
Ryan: aggregation
18:39
Ryan: without
18:40
Ryan: integration
18:40
Ryan: problem
18:41
Ryan: that
18:41
Ryan: you've
18:41
Ryan: discussed?
18:43
Manju Boraiah: are
18:44
Manju Boraiah: two
18:44
Manju Boraiah: aspects
18:45
Manju Boraiah: to
18:45
Manju Boraiah: this,
18:45
Manju Boraiah: to...
18:46
Manju Boraiah: You
18:46
Manju Boraiah: know,
18:46
Manju Boraiah: you,
18:46
Manju Boraiah: you
18:46
Manju Boraiah: made
18:47
Manju Boraiah: a
18:47
Manju Boraiah: great
18:47
Manju Boraiah: point,
18:47
Manju Boraiah: right?
18:47
Manju Boraiah: I
18:48
Manju Boraiah: mean,
18:48
Manju Boraiah: we
18:48
Manju Boraiah: have
18:48
Manju Boraiah: seen
18:49
Manju Boraiah: the
18:49
Manju Boraiah: consolidation
18:50
Manju Boraiah: happen
18:51
Manju Boraiah: in
18:51
Manju Boraiah: the
18:51
Manju Boraiah: asset
18:51
Manju Boraiah: management
18:52
Manju Boraiah: world
18:52
Manju Boraiah: as
18:52
Manju Boraiah: well,
18:52
Manju Boraiah: where
18:53
Manju Boraiah: the
18:53
Manju Boraiah: bigger
18:54
Manju Boraiah: become
18:54
Manju Boraiah: bigger.
18:55
Manju Boraiah: And
18:55
Manju Boraiah: you
18:56
Manju Boraiah: need
18:56
Manju Boraiah: scale
18:57
Manju Boraiah: to
18:57
Manju Boraiah: be
18:57
Manju Boraiah: able
18:57
Manju Boraiah: to
18:58
Manju Boraiah: cater
18:58
Manju Boraiah: to
18:58
Manju Boraiah: different
18:58
Manju Boraiah: needs.
18:59
Manju Boraiah: Like,
18:59
Manju Boraiah: for
18:59
Manju Boraiah: example,
18:59
Manju Boraiah: at
19:00
Manju Boraiah: Allspring,
19:01
Manju Boraiah: we
19:01
Manju Boraiah: have
19:01
Manju Boraiah: taken
19:01
Manju Boraiah: a
19:01
Manju Boraiah: more
19:02
Manju Boraiah: vehicle-agnostic
19:02
Manju Boraiah: approach
19:03
Manju Boraiah: to
19:03
Manju Boraiah: solutions,
19:03
Manju Boraiah: right?
19:04
Manju Boraiah: So
19:04
Manju Boraiah: we
19:04
Manju Boraiah: wanna
19:04
Manju Boraiah: meet
19:05
Manju Boraiah: the
19:05
Manju Boraiah: clients
19:05
Manju Boraiah: where
19:05
Manju Boraiah: they
19:05
Manju Boraiah: are
19:06
Manju Boraiah: it
19:06
Manju Boraiah: doesn't
19:07
Manju Boraiah: matter
19:07
Manju Boraiah: if
19:07
Manju Boraiah: they're
19:07
Manju Boraiah: interested
19:08
Manju Boraiah: in
19:08
Manju Boraiah: funds
19:09
Manju Boraiah: or
19:09
Manju Boraiah: ETFs
19:10
Manju Boraiah: or
19:11
Manju Boraiah: SMAs.
19:12
Manju Boraiah: We
19:12
Manju Boraiah: wanna
19:12
Manju Boraiah: deliver
19:13
Manju Boraiah: the
19:13
Manju Boraiah: best
19:13
Manju Boraiah: solutions
19:13
Manju Boraiah: to
19:13
Manju Boraiah: clients
19:14
Manju Boraiah: and
19:14
Manju Boraiah: meet
19:14
Manju Boraiah: them
19:14
Manju Boraiah: where
19:14
Manju Boraiah: they
19:15
Manju Boraiah: are.
19:15
Manju Boraiah: So
19:16
Manju Boraiah: to
19:16
Manju Boraiah: be
19:16
Manju Boraiah: able
19:16
Manju Boraiah: to
19:16
Manju Boraiah: do
19:17
Manju Boraiah: that,
19:17
Manju Boraiah: you
19:17
Manju Boraiah: need
19:17
Manju Boraiah: scale,
19:18
Manju Boraiah: as
19:18
Manju Boraiah: you
19:18
Manju Boraiah: pointed
19:19
Manju Boraiah: out.
19:19
Manju Boraiah: You
19:19
Manju Boraiah: need
19:19
Manju Boraiah: to
19:19
Manju Boraiah: have
19:20
Manju Boraiah: those
19:20
Manju Boraiah: different
19:21
Manju Boraiah: capabilities
19:21
Manju Boraiah: and
19:22
Manju Boraiah: the
19:22
Manju Boraiah: different
19:22
Manju Boraiah: flavors,
19:23
Manju Boraiah: and
19:23
Manju Boraiah: ultimately
19:24
Manju Boraiah: deliver
19:24
Manju Boraiah: those
19:25
Manju Boraiah: investment
19:26
Manju Boraiah: you
19:26
Manju Boraiah: know,
19:26
Manju Boraiah: expertise
19:27
Manju Boraiah: through
19:27
Manju Boraiah: the
19:27
Manju Boraiah: vehicle
19:27
Manju Boraiah: that's
19:28
Manju Boraiah: actually
19:28
Manju Boraiah: preferred
19:28
Manju Boraiah: by
19:29
Manju Boraiah: the
19:29
Manju Boraiah: advisors
19:29
Manju Boraiah: and
19:30
Manju Boraiah: clients.
19:31
Manju Boraiah: But
19:31
Manju Boraiah: beyond
19:32
Manju Boraiah: that,
19:32
Manju Boraiah: at
19:33
Manju Boraiah: the--
19:33
Manju Boraiah: on
19:33
Manju Boraiah: the
19:33
Manju Boraiah: wealth
19:34
Manju Boraiah: management
19:34
Manju Boraiah: side,
19:35
Manju Boraiah: I
19:35
Manju Boraiah: think
19:35
Manju Boraiah: the
19:35
Manju Boraiah: challenge
19:36
Manju Boraiah: really
19:36
Manju Boraiah: is
19:37
Manju Boraiah: Ryan,
19:37
Manju Boraiah: you
19:37
Manju Boraiah: know,
19:38
Manju Boraiah: how
19:38
Manju Boraiah: do
19:38
Manju Boraiah: you
19:38
Manju Boraiah: put
19:39
Manju Boraiah: that
19:39
Manju Boraiah: all
19:39
Manju Boraiah: together
19:39
Manju Boraiah: on
19:40
Manju Boraiah: one
19:40
Manju Boraiah: chassis,
19:40
Manju Boraiah: right?
19:41
Manju Boraiah: So
19:42
Manju Boraiah: if
19:42
Manju Boraiah: you
19:42
Manju Boraiah: really
19:43
Manju Boraiah: think
19:43
Manju Boraiah: about
19:43
Manju Boraiah: how
19:44
Manju Boraiah: the
19:44
Manju Boraiah: portfolios
19:44
Manju Boraiah: are
19:45
Manju Boraiah: managed
19:45
Manju Boraiah: especially
19:46
Manju Boraiah: in
19:46
Manju Boraiah: the
19:46
Manju Boraiah: RIA
19:46
Manju Boraiah: space
19:46
Manju Boraiah: these
19:47
Manju Boraiah: days,
19:47
Manju Boraiah: is
19:48
Manju Boraiah: you
19:48
Manju Boraiah: might
19:48
Manju Boraiah: have
19:48
Manju Boraiah: the
19:49
Manju Boraiah: public
19:49
Manju Boraiah: part
19:49
Manju Boraiah: of
19:49
Manju Boraiah: the
19:49
Manju Boraiah: portfolio
19:50
Manju Boraiah: sitting
19:50
Manju Boraiah: on
19:50
Manju Boraiah: one
19:51
Manju Boraiah: platform.
19:52
Manju Boraiah: The
19:52
Manju Boraiah: privates
19:53
Manju Boraiah: might
19:53
Manju Boraiah: be
19:53
Manju Boraiah: completely
19:54
Manju Boraiah: held
19:54
Manju Boraiah: separately.
19:55
Manju Boraiah: So
19:56
Manju Boraiah: that
19:56
Manju Boraiah: unification
19:56
Manju Boraiah: of
19:57
Manju Boraiah: publics
19:57
Manju Boraiah: and
19:57
Manju Boraiah: privates
19:58
Manju Boraiah: in
19:58
Manju Boraiah: o-
19:58
Manju Boraiah: on
19:59
Manju Boraiah: one
19:59
Manju Boraiah: framework
20:00
Manju Boraiah: doesn't
20:00
Manju Boraiah: exist.
20:01
Manju Boraiah: The
20:01
Manju Boraiah: other
20:02
Manju Boraiah: piece
20:02
Manju Boraiah: is
20:02
Manju Boraiah: like,
20:02
Manju Boraiah: you
20:02
Manju Boraiah: know,
20:03
Manju Boraiah: how
20:03
Manju Boraiah: do
20:03
Manju Boraiah: you
20:03
Manju Boraiah: coordinate
20:03
Manju Boraiah: across
20:04
Manju Boraiah: the
20:04
Manju Boraiah: different
20:04
Manju Boraiah: portfolios?
20:06
Manju Boraiah: You
20:06
Manju Boraiah: really
20:06
Manju Boraiah: need
20:07
Manju Boraiah: going
20:08
Manju Boraiah: beyond
20:08
Manju Boraiah: the
20:08
Manju Boraiah: UMA.
20:08
Manju Boraiah: You
20:09
Manju Boraiah: need
20:09
Manju Boraiah: a
20:10
Manju Boraiah: unified
20:10
Manju Boraiah: managed
20:10
Manju Boraiah: household
20:11
Manju Boraiah: platform,
20:12
Manju Boraiah: right?
20:12
Manju Boraiah: A
20:12
Manju Boraiah: UMH
20:13
Manju Boraiah: platform
20:14
Manju Boraiah: that
20:14
Manju Boraiah: is
20:14
Manju Boraiah: scalable,
20:15
Manju Boraiah: that
20:16
Manju Boraiah: can
20:16
Manju Boraiah: actually
20:16
Manju Boraiah: provide
20:17
Manju Boraiah: a
20:17
Manju Boraiah: holistic
20:18
Manju Boraiah: view
20:18
Manju Boraiah: of
20:19
Manju Boraiah: the
20:19
Manju Boraiah: entire
20:19
Manju Boraiah: household,
20:20
Manju Boraiah: not
20:20
Manju Boraiah: just
20:20
Manju Boraiah: taxable
20:21
Manju Boraiah: accounts,
20:21
Manju Boraiah: but
20:21
Manju Boraiah: also
20:21
Manju Boraiah: the
20:22
Manju Boraiah: other
20:22
Manju Boraiah: entities,
20:22
Manju Boraiah: right?
20:23
Manju Boraiah: And
20:23
Manju Boraiah: then
20:24
Manju Boraiah: the,
20:24
Manju Boraiah: the
20:24
Manju Boraiah: kind
20:25
Manju Boraiah: of
20:25
Manju Boraiah: the
20:25
Manju Boraiah: integration
20:26
Manju Boraiah: of
20:26
Manju Boraiah: the,
20:26
Manju Boraiah: the
20:26
Manju Boraiah: weaving
20:27
Manju Boraiah: of
20:27
Manju Boraiah: those
20:28
Manju Boraiah: different
20:28
Manju Boraiah: pieces
20:28
Manju Boraiah: together
20:29
Manju Boraiah: and
20:29
Manju Boraiah: the
20:29
Manju Boraiah: coordination
20:30
Manju Boraiah: of
20:30
Manju Boraiah: that,
20:31
Manju Boraiah: the
20:31
Manju Boraiah: orchestration
20:32
Manju Boraiah: layer
20:32
Manju Boraiah: as
20:32
Manju Boraiah: I
20:33
Manju Boraiah: call
20:33
Manju Boraiah: it,
20:33
Manju Boraiah: that's
20:34
Manju Boraiah: really,
20:34
Manju Boraiah: in
20:35
Manju Boraiah: my
20:35
Manju Boraiah: view,
20:35
Manju Boraiah: the
20:35
Manju Boraiah: biggest
20:35
Manju Boraiah: gap
20:36
Manju Boraiah: in
20:36
Manju Boraiah: the
20:36
Manju Boraiah: industry,
20:37
Manju Boraiah: right?
20:37
Manju Boraiah: If
20:37
Manju Boraiah: you
20:37
Manju Boraiah: can
20:38
Manju Boraiah: solve
20:38
Manju Boraiah: for
20:38
Manju Boraiah: that,
20:39
Manju Boraiah: then,
20:40
Manju Boraiah: you
20:40
Manju Boraiah: know,
20:40
Manju Boraiah: you
20:40
Manju Boraiah: can
20:40
Manju Boraiah: then
20:41
Manju Boraiah: embrace
20:42
Manju Boraiah: a
20:42
Manju Boraiah: total
20:42
Manju Boraiah: portfolio
20:42
Manju Boraiah: approach
20:43
Manju Boraiah: on
20:43
Manju Boraiah: one
20:44
Manju Boraiah: chassis
20:45
Manju Boraiah: where
20:45
Manju Boraiah: you
20:46
Manju Boraiah: can
20:46
Manju Boraiah: actually
20:46
Manju Boraiah: manage
20:47
Manju Boraiah: publics,
20:47
Manju Boraiah: privates
20:48
Manju Boraiah: on
20:48
Manju Boraiah: the
20:48
Manju Boraiah: same
20:48
Manju Boraiah: platform.
20:49
Manju Boraiah: Then
20:50
Manju Boraiah: you
20:50
Manju Boraiah: can
20:50
Manju Boraiah: evolve
20:50
Manju Boraiah: the
20:50
Manju Boraiah: portfolio
20:51
Manju Boraiah: as
20:51
Manju Boraiah: the
20:51
Manju Boraiah: client's
20:51
Manju Boraiah: needs
20:52
Manju Boraiah: change,
20:52
Manju Boraiah: and
20:53
Manju Boraiah: then
20:53
Manju Boraiah: deliver
20:53
Manju Boraiah: customization
20:54
Manju Boraiah: and
20:54
Manju Boraiah: tax
20:54
Manju Boraiah: efficiency
20:55
Manju Boraiah: at
20:55
Manju Boraiah: scale.
20:57
Ryan: Yeah,
20:57
Ryan: that
20:57
Ryan: makes
20:58
Ryan: a
20:58
Ryan: lot
20:58
Ryan: of
20:58
Ryan: sense,
20:59
Ryan: Manju,
20:59
Ryan: because
21:00
Ryan: it
21:00
Ryan: goes
21:01
Ryan: along
21:01
Ryan: with
21:01
Ryan: the
21:01
Ryan: holistic
21:02
Ryan: planning.
21:03
Ryan: There
21:03
Ryan: should
21:03
Ryan: be
21:03
Ryan: holistic
21:04
Ryan: planning
21:04
Ryan: on
21:04
Ryan: the
21:04
Ryan: investment
21:05
Ryan: management
21:05
Ryan: side
21:06
Ryan: too,
21:06
Ryan: so
21:06
Ryan: you
21:06
Ryan: know
21:06
Ryan: that
21:07
Ryan: you're
21:07
Ryan: getting
21:07
Ryan: the
21:07
Ryan: best
21:07
Ryan: tax
21:08
Ryan: efficiencies.
21:09
Manju Boraiah: Mm-hmm.
21:10
Ryan: Maybe
21:10
Ryan: there's
21:10
Ryan: not
21:11
Ryan: a
21:11
Ryan: bunch
21:11
Ryan: of
21:11
Ryan: overlap
21:12
Ryan: and
21:14
Ryan: You're
21:14
Ryan: not
21:14
Ryan: overly
21:14
Ryan: concentrated
21:15
Ryan: in
21:15
Ryan: tech
21:16
Ryan: or
21:16
Ryan: something
21:17
Ryan: like
21:17
Ryan: that,
21:17
Ryan: right?
21:18
Ryan: Where
21:18
Ryan: you've
21:18
Ryan: got
21:18
Ryan: the
21:18
Ryan: full
21:19
Ryan: holistic
21:20
Ryan: picture
21:21
Ryan: there.
21:22
Ryan: You
21:22
Ryan: talked
21:22
Ryan: about
21:22
Ryan: separately
21:23
Ryan: managed
21:23
Ryan: accounts.
21:24
Ryan: A
21:24
Ryan: lot
21:24
Ryan: of
21:24
Ryan: people
21:24
Ryan: went
21:24
Ryan: from
21:25
Ryan: separately
21:25
Ryan: managed
21:26
Ryan: accounts
21:26
Ryan: to
21:26
Ryan: unified
21:27
Ryan: managed
21:28
Ryan: accounts
21:28
Ryan: to
21:28
Ryan: kind
21:28
Ryan: of
21:29
Ryan: bring
21:29
Ryan: all
21:29
Ryan: those
21:30
Ryan: separate
21:30
Ryan: accounts
21:30
Ryan: together
21:32
Manju Boraiah: Yeah.
21:33
Ryan: Is
21:33
Ryan: that
21:33
Ryan: a
21:34
Ryan: solution
21:34
Ryan: here
21:35
Ryan: or
21:35
Ryan: is
21:36
Ryan: there
21:36
Ryan: something
21:36
Ryan: even
21:37
Ryan: better
21:37
Ryan: or,
21:37
Ryan: you
21:37
Ryan: know,
21:38
Ryan: maybe
21:38
Ryan: more
21:38
Ryan: comprehensive
21:39
Ryan: and
21:39
Ryan: holistic
21:40
Ryan: than
21:40
Ryan: the
21:41
Ryan: UMA
21:41
Ryan: structure?
21:43
Manju Boraiah: The
21:43
Manju Boraiah: UMA
21:43
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21:44
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21:44
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21:45
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21:45
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21:45
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21:45
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21:46
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21:46
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21:46
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21:47
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21:47
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21:47
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21:47
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21:48
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21:48
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21:49
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21:49
Manju Boraiah: UMH,
21:49
Manju Boraiah: right?
21:50
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21:51
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21:51
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21:51
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21:52
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21:52
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21:52
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21:53
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21:53
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21:53
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21:54
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21:54
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21:54
Manju Boraiah: UMA's
21:54
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21:55
Manju Boraiah: Now,
21:55
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21:56
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21:56
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21:56
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21:56
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21:57
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21:57
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21:57
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21:57
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21:58
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21:58
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21:58
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21:58
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21:58
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21:58
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21:58
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21:59
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21:59
Manju Boraiah: the
21:59
Manju Boraiah: different
21:59
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22:00
Manju Boraiah: How
22:00
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22:00
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22:00
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22:01
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22:01
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22:01
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22:02
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22:02
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22:02
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22:02
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22:03
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22:03
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22:03
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22:04
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22:04
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22:04
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22:05
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22:05
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22:06
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22:06
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22:06
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22:06
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22:06
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22:07
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22:07
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22:07
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22:08
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22:08
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22:09
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22:09
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22:09
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22:09
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22:10
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22:10
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22:10
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22:10
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22:10
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22:10
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22:11
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22:12
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22:12
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22:13
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22:13
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22:14
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22:14
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22:14
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22:15
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22:15
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22:16
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22:16
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22:17
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22:18
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22:18
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22:18
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22:19
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22:19
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22:20
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22:20
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22:20
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22:21
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22:21
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22:21
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22:22
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22:22
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22:23
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22:23
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22:24
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22:25
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22:25
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22:25
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22:25
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22:26
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22:26
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22:26
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22:27
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22:27
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22:27
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22:28
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22:29
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22:29
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22:29
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22:29
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22:30
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22:30
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22:30
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22:31
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22:31
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22:31
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22:32
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22:33
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22:35
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22:35
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22:35
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22:36
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22:40
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22:40
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22:40
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22:41
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22:41
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22:42
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22:43
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22:45
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22:45
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22:45
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22:46
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22:46
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22:47
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22:47
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22:47
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22:47
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22:48
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22:49
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22:50
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22:51
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22:51
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22:52
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22:53
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22:53
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22:53
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22:53
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22:54
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22:54
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22:54
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22:55
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22:56
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22:56
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22:56
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22:57
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22:58
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22:58
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22:59
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22:59
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23:00
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23:00
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23:01
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23:02
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23:02
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23:03
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23:03
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23:03
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23:03
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23:04
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23:04
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23:05
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23:05
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23:05
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23:06
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23:06
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23:06
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23:07
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23:07
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23:08
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23:08
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23:08
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23:10
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23:10
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23:10
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23:10
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23:11
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23:12
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23:12
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23:12
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23:13
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23:13
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23:14
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23:14
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23:14
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23:14
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23:15
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23:15
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23:16
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23:16
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23:16
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23:16
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23:17
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23:18
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23:18
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23:19
Manju Boraiah: And
23:19
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23:21
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23:21
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23:21
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23:21
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23:22
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23:22
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23:23
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23:23
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23:23
Manju Boraiah: orchestration
23:24
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23:24
Manju Boraiah: How
23:24
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23:24
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23:24
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23:25
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23:25
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23:25
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23:26
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23:27
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23:27
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23:27
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23:27
Manju Boraiah: scale?
23:28
Manju Boraiah: So
23:29
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23:29
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23:29
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23:30
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23:30
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23:31
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23:31
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23:31
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23:32
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23:32
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23:32
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23:33
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23:33
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23:33
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23:33
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23:34
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23:34
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23:34
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23:34
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23:34
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23:35
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23:35
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23:35
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23:36
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23:36
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23:37
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23:38
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23:38
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23:38
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23:39
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23:40
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23:40
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23:40
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23:41
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23:41
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23:41
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23:42
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23:42
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23:42
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23:42
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23:43
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23:43
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23:43
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23:43
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23:43
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23:44
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23:44
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23:45
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23:45
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23:45
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23:46
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23:46
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23:46
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23:47
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23:47
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23:47
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23:48
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23:48
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23:49
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23:49
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23:49
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23:49
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23:50
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23:50
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23:50
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23:51
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23:51
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23:52
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23:52
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23:52
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23:52
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23:53
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23:53
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23:53
Manju Boraiah: Holy
23:53
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23:54
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23:54
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23:54
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23:54
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23:55
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23:55
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23:55
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23:55
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23:55
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23:55
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23:58
Ryan: was
23:58
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23:58
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23:58
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23:59
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23:59
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23:59
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23:59
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24:00
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24:00
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24:01
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24:01
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24:02
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24:03
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24:03
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24:03
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24:04
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24:04
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24:04
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24:05
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24:05
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24:05
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24:06
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24:06
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24:06
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24:06
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24:07
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24:07
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24:07
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24:08
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24:08
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24:08
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24:09
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24:09
Ryan: importantly,
24:09
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24:10
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24:10
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24:10
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24:11
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24:11
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24:11
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24:12
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24:12
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24:12
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24:13
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24:13
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24:14
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24:15
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24:15
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24:15
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24:15
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24:16
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24:16
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24:16
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24:16
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24:18
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24:18
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24:18
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24:19
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24:19
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24:19
Ryan: it?
24:20
Manju Boraiah: Yeah,
24:21
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24:21
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24:21
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24:21
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24:22
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24:22
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24:22
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24:23
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24:23
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24:23
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24:23
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24:24
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24:24
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24:24
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24:25
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24:25
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24:25
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24:25
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24:26
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24:26
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24:26
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24:27
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24:27
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24:27
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24:27
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24:28
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24:28
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24:29
Manju Boraiah: publics
24:29
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24:29
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24:29
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24:30
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24:30
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24:30
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24:31
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24:31
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24:31
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24:31
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24:31
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24:31
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24:32
Manju Boraiah: but
24:32
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24:32
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24:32
Manju Boraiah: different
24:34
Manju Boraiah: pieces.
24:34
Manju Boraiah: Like,
24:34
Manju Boraiah: you
24:35
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24:35
Manju Boraiah: how
24:35
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24:35
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24:35
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24:35
Manju Boraiah: a
24:36
Manju Boraiah: portfolio
24:36
Manju Boraiah: that
24:36
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24:37
Manju Boraiah: house
24:38
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24:38
Manju Boraiah: funds,
24:38
Manju Boraiah: ETFs,
24:39
Manju Boraiah: SMAs,
24:40
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24:41
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24:41
Manju Boraiah: the
24:41
Manju Boraiah: same
24:42
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24:43
Manju Boraiah: and
24:43
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24:44
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24:44
Manju Boraiah: to
24:44
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24:45
Manju Boraiah: the
24:45
Manju Boraiah: tax
24:45
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24:46
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24:46
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24:47
Manju Boraiah: being
24:47
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24:47
Manju Boraiah: to
24:47
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24:48
Manju Boraiah: cash
24:48
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24:48
Manju Boraiah: liquidity
24:49
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24:49
Manju Boraiah: these
24:50
Manju Boraiah: different
24:50
Manju Boraiah: sleeves.
24:51
Manju Boraiah: That
24:51
Manju Boraiah: to
24:51
Manju Boraiah: me
24:52
Manju Boraiah: is
24:52
Manju Boraiah: still
24:53
Manju Boraiah: missing.
24:54
Manju Boraiah: I
24:54
Manju Boraiah: know
24:54
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24:54
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24:55
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24:55
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24:55
Manju Boraiah: there
24:55
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24:56
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24:56
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24:56
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24:56
Manju Boraiah: the
24:56
Manju Boraiah: finish
24:57
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24:57
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24:57
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24:58
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24:58
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24:58
Manju Boraiah: But
24:59
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24:59
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24:59
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24:59
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25:00
Manju Boraiah: I
25:00
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25:00
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25:01
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25:01
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25:02
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25:02
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25:02
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25:02
Manju Boraiah: the
25:03
Manju Boraiah: ideal
25:03
Manju Boraiah: solution
25:04
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25:04
Manju Boraiah: advisors
25:05
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25:05
Manju Boraiah: embrace.
25:06
Ryan: Mm-hmm.
25:07
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25:07
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25:07
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25:07
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25:08
Ryan: technology
25:09
Ryan: plays
25:09
Ryan: a
25:09
Ryan: big
25:09
Ryan: role
25:10
Ryan: in
25:10
Ryan: that.
25:10
Ryan: Maybe
25:11
Ryan: AI,
25:12
Ryan: I'm
25:12
Ryan: assuming
25:13
Ryan: it,
25:13
Ryan: it
25:14
Ryan: could
25:14
Ryan: evolve
25:15
Ryan: very
25:15
Ryan: quickly
25:15
Ryan: with
25:16
Ryan: AI.
25:16
Ryan: Is
25:16
Ryan: that
25:17
Ryan: where
25:17
Ryan: it's
25:17
Ryan: kinda
25:17
Ryan: heading
25:18
Ryan: towards
25:18
Ryan: in
25:18
Ryan: order
25:19
Ryan: to
25:19
Ryan: implement
25:19
Ryan: it,
25:19
Ryan: is
25:20
Ryan: AI
25:20
Ryan: and
25:21
Ryan: leveraging
25:21
Ryan: that?
25:22
Manju Boraiah: Yeah.
25:23
Manju Boraiah: No,
25:23
Manju Boraiah: I
25:23
Manju Boraiah: think
25:23
Manju Boraiah: AI
25:24
Manju Boraiah: is
25:24
Manju Boraiah: a
25:24
Manju Boraiah: great
25:24
Manju Boraiah: enabler,
25:25
Manju Boraiah: right?
25:25
Manju Boraiah: AI,
25:25
Manju Boraiah: in
25:25
Manju Boraiah: my
25:26
Manju Boraiah: view,
25:26
Manju Boraiah: would
25:26
Manju Boraiah: play
25:26
Manju Boraiah: a
25:26
Manju Boraiah: huge
25:27
Manju Boraiah: role.
25:28
Manju Boraiah: I
25:28
Manju Boraiah: tend
25:28
Manju Boraiah: to
25:28
Manju Boraiah: think
25:28
Manju Boraiah: about
25:28
Manju Boraiah: AI
25:29
Manju Boraiah: adoption
25:30
Manju Boraiah: in
25:30
Manju Boraiah: different
25:30
Manju Boraiah: levels,
25:31
Manju Boraiah: right?
25:31
Manju Boraiah: So
25:32
Manju Boraiah: there
25:32
Manju Boraiah: are,
25:33
Manju Boraiah: in
25:33
Manju Boraiah: my
25:33
Manju Boraiah: view,
25:33
Manju Boraiah: at
25:34
Manju Boraiah: least
25:34
Manju Boraiah: five
25:34
Manju Boraiah: different
25:34
Manju Boraiah: levels.
25:35
Manju Boraiah: So
25:35
Manju Boraiah: level
25:35
Manju Boraiah: one
25:36
Manju Boraiah: is
25:36
Manju Boraiah: really
25:37
Manju Boraiah: the
25:37
Manju Boraiah: easiest
25:37
Manju Boraiah: in
25:37
Manju Boraiah: my
25:38
Manju Boraiah: view,
25:38
Manju Boraiah: where,
25:39
Manju Boraiah: you
25:39
Manju Boraiah: know,
25:39
Manju Boraiah: if
25:39
Manju Boraiah: you're
25:40
Manju Boraiah: an
25:40
Manju Boraiah: advisor
25:40
Manju Boraiah: and
25:40
Manju Boraiah: using
25:41
Manju Boraiah: the
25:42
Manju Boraiah: AI-enabled
25:42
Manju Boraiah: tools
25:43
Manju Boraiah: for
25:43
Manju Boraiah: note-taking
25:44
Manju Boraiah: or
25:44
Manju Boraiah: e-drafting
25:45
Manju Boraiah: emails,
25:46
Manju Boraiah: it's
25:46
Manju Boraiah: really
25:46
Manju Boraiah: a
25:46
Manju Boraiah: productive
25:47
Manju Boraiah: productivity
25:48
Manju Boraiah: enhancement
25:48
Manju Boraiah: tool,
25:49
Manju Boraiah: right?
25:49
Manju Boraiah: Level
25:50
Manju Boraiah: two
25:50
Manju Boraiah: is
25:50
Manju Boraiah: where
25:51
Manju Boraiah: it
25:51
Manju Boraiah: gets
25:51
Manju Boraiah: a
25:51
Manju Boraiah: bit
25:51
Manju Boraiah: more
25:51
Manju Boraiah: interesting,
25:52
Manju Boraiah: where
25:52
Manju Boraiah: you
25:52
Manju Boraiah: really
25:53
Manju Boraiah: think
25:53
Manju Boraiah: about-
25:54
Manju Boraiah: You
25:54
Manju Boraiah: know,
25:54
Manju Boraiah: information
25:55
Manju Boraiah: retrieval
25:55
Manju Boraiah: or
25:56
Manju Boraiah: research
25:56
Manju Boraiah: syn-synthesis
25:57
Manju Boraiah: tool,
25:57
Manju Boraiah: right?
25:58
Manju Boraiah: And
25:58
Manju Boraiah: we
25:59
Manju Boraiah: do
25:59
Manju Boraiah: that
25:59
Manju Boraiah: all
25:59
Manju Boraiah: the
25:59
Manju Boraiah: time.
26:00
Manju Boraiah: You
26:00
Manju Boraiah: know,
26:00
Manju Boraiah: you
26:00
Manju Boraiah: have
26:01
Manju Boraiah: a
26:01
Manju Boraiah: document,
26:01
Manju Boraiah: you
26:02
Manju Boraiah: wanna
26:02
Manju Boraiah: extract
26:02
Manju Boraiah: information
26:03
Manju Boraiah: from
26:03
Manju Boraiah: it,
26:03
Manju Boraiah: or
26:03
Manju Boraiah: you
26:03
Manju Boraiah: have
26:04
Manju Boraiah: a
26:04
Manju Boraiah: whole,
26:05
Manju Boraiah: you
26:05
Manju Boraiah: know,
26:06
Manju Boraiah: trove
26:06
Manju Boraiah: of
26:06
Manju Boraiah: documents
26:07
Manju Boraiah: you
26:07
Manju Boraiah: need
26:07
Manju Boraiah: to
26:07
Manju Boraiah: kind
26:07
Manju Boraiah: of
26:07
Manju Boraiah: combine
26:08
Manju Boraiah: information
26:08
Manju Boraiah: across
26:09
Manju Boraiah: these
26:09
Manju Boraiah: different
26:09
Manju Boraiah: things.
26:10
Manju Boraiah: So
26:10
Manju Boraiah: that's
26:10
Manju Boraiah: happening
26:11
Manju Boraiah: as
26:11
Manju Boraiah: well.
26:11
Manju Boraiah: You
26:11
Manju Boraiah: know,
26:11
Manju Boraiah: I
26:12
Manju Boraiah: know
26:12
Manju Boraiah: advisors
26:13
Manju Boraiah: and,
26:13
Manju Boraiah: you
26:13
Manju Boraiah: know,
26:14
Manju Boraiah: professionals
26:14
Manju Boraiah: are
26:14
Manju Boraiah: using
26:15
Manju Boraiah: it
26:15
Manju Boraiah: across
26:16
Manju Boraiah: the
26:16
Manju Boraiah: board.
26:17
Manju Boraiah: Third
26:17
Manju Boraiah: level
26:18
Manju Boraiah: starts
26:18
Manju Boraiah: getting
26:18
Manju Boraiah: a
26:18
Manju Boraiah: bit
26:18
Manju Boraiah: more
26:19
Manju Boraiah: interesting,
26:19
Manju Boraiah: where
26:19
Manju Boraiah: you
26:19
Manju Boraiah: go
26:20
Manju Boraiah: from
26:20
Manju Boraiah: just
26:21
Manju Boraiah: information
26:21
Manju Boraiah: retrieval
26:22
Manju Boraiah: to
26:22
Manju Boraiah: more
26:23
Manju Boraiah: like
26:23
Manju Boraiah: a,
26:24
Manju Boraiah: a
26:24
Manju Boraiah: decision
26:24
Manju Boraiah: support
26:24
Manju Boraiah: system,
26:25
Manju Boraiah: right?
26:25
Manju Boraiah: So
26:25
Manju Boraiah: it's
26:25
Manju Boraiah: like
26:26
Manju Boraiah: a
26:26
Manju Boraiah: co-pilot
26:26
Manju Boraiah: where,
26:27
Manju Boraiah: you
26:27
Manju Boraiah: know,
26:27
Manju Boraiah: working
26:28
Manju Boraiah: hand,
26:28
Manju Boraiah: hand
26:29
Manju Boraiah: in
26:29
Manju Boraiah: hand
26:29
Manju Boraiah: with
26:29
Manju Boraiah: a
26:29
Manju Boraiah: human
26:30
Manju Boraiah: expert
26:30
Manju Boraiah: to
26:30
Manju Boraiah: actually
26:31
Manju Boraiah: do
26:31
Manju Boraiah: things,
26:31
Manju Boraiah: right?
26:31
Manju Boraiah: You
26:31
Manju Boraiah: know,
26:32
Manju Boraiah: I
26:32
Manju Boraiah: wanna
26:32
Manju Boraiah: generate
26:32
Manju Boraiah: a
26:32
Manju Boraiah: new
26:32
Manju Boraiah: trade
26:33
Manju Boraiah: idea,
26:33
Manju Boraiah: or
26:34
Manju Boraiah: I
26:34
Manju Boraiah: wanna
26:34
Manju Boraiah: do
26:35
Manju Boraiah: a
26:35
Manju Boraiah: certain
26:35
Manju Boraiah: task
26:36
Manju Boraiah: where
26:36
Manju Boraiah: the
26:36
Manju Boraiah: AI
26:36
Manju Boraiah: is
26:37
Manju Boraiah: actually
26:37
Manju Boraiah: making
26:38
Manju Boraiah: investment
26:38
Manju Boraiah: decisions
26:39
Manju Boraiah: or
26:39
Manju Boraiah: decisions
26:40
Manju Boraiah: in
26:40
Manju Boraiah: general.
26:41
Manju Boraiah: And,
26:41
Manju Boraiah: and
26:41
Manju Boraiah: that
26:42
Manju Boraiah: to
26:42
Manju Boraiah: me
26:42
Manju Boraiah: is
26:43
Manju Boraiah: where
26:43
Manju Boraiah: the
26:43
Manju Boraiah: industry
26:44
Manju Boraiah: mostly
26:44
Manju Boraiah: is,
26:44
Manju Boraiah: right?
26:44
Manju Boraiah: So
26:45
Manju Boraiah: these
26:45
Manju Boraiah: three
26:45
Manju Boraiah: levels.
26:46
Manju Boraiah: The
26:46
Manju Boraiah: fourth
26:46
Manju Boraiah: level
26:47
Manju Boraiah: is
26:47
Manju Boraiah: where
26:48
Manju Boraiah: you
26:48
Manju Boraiah: can
26:48
Manju Boraiah: start
26:49
Manju Boraiah: orchestrating
26:50
Manju Boraiah: workflows.
26:50
Manju Boraiah: So
26:50
Manju Boraiah: the
26:51
Manju Boraiah: workflow
26:51
Manju Boraiah: orchestration
26:52
Manju Boraiah: using
26:52
Manju Boraiah: AI,
26:53
Manju Boraiah: where
26:53
Manju Boraiah: you're
26:53
Manju Boraiah: stitching
26:54
Manju Boraiah: together
26:54
Manju Boraiah: different
26:55
Manju Boraiah: things
26:55
Manju Boraiah: and
26:55
Manju Boraiah: making
26:56
Manju Boraiah: decisions,
26:57
Manju Boraiah: that
26:57
Manju Boraiah: is
26:58
Manju Boraiah: really
26:58
Manju Boraiah: where
26:58
Manju Boraiah: you
26:59
Manju Boraiah: can
26:59
Manju Boraiah: start
26:59
Manju Boraiah: leveraging
27:00
Manju Boraiah: AI
27:00
Manju Boraiah: to
27:01
Manju Boraiah: do
27:01
Manju Boraiah: meaningful
27:01
Manju Boraiah: things.
27:02
Manju Boraiah: And
27:02
Manju Boraiah: then
27:02
Manju Boraiah: the
27:03
Manju Boraiah: last
27:03
Manju Boraiah: level,
27:04
Manju Boraiah: which
27:04
Manju Boraiah: is
27:04
Manju Boraiah: like
27:05
Manju Boraiah: the,
27:05
Manju Boraiah: the
27:05
Manju Boraiah: god
27:05
Manju Boraiah: mode,
27:06
Manju Boraiah: right?
27:06
Manju Boraiah: Which
27:06
Manju Boraiah: is
27:06
Manju Boraiah: the
27:07
Manju Boraiah: agentic
27:08
Manju Boraiah: you
27:08
Manju Boraiah: know,
27:08
Manju Boraiah: systems
27:09
Manju Boraiah: where,
27:09
Manju Boraiah: you
27:09
Manju Boraiah: know,
27:10
Manju Boraiah: AI--
27:10
Manju Boraiah: where
27:10
Manju Boraiah: you're
27:11
Manju Boraiah: actually
27:11
Manju Boraiah: building,
27:11
Manju Boraiah: learning
27:12
Manju Boraiah: and
27:12
Manju Boraiah: adapting
27:14
Manju Boraiah: dynamically.
27:14
Manju Boraiah: That
27:15
Manju Boraiah: is
27:15
Manju Boraiah: harder
27:16
Manju Boraiah: to
27:16
Manju Boraiah: achieve.
27:16
Manju Boraiah: There
27:17
Manju Boraiah: are
27:17
Manju Boraiah: very
27:17
Manju Boraiah: few
27:17
Manju Boraiah: firms
27:18
Manju Boraiah: that
27:18
Manju Boraiah: are
27:18
Manju Boraiah: AI
27:18
Manju Boraiah: native
27:19
Manju Boraiah: that
27:19
Manju Boraiah: are
27:19
Manju Boraiah: actually
27:20
Manju Boraiah: heading
27:20
Manju Boraiah: in
27:20
Manju Boraiah: that
27:20
Manju Boraiah: direction.
27:21
Manju Boraiah: But
27:22
Manju Boraiah: level
27:22
Manju Boraiah: four
27:22
Manju Boraiah: and
27:23
Manju Boraiah: level
27:23
Manju Boraiah: five
27:23
Manju Boraiah: is
27:24
Manju Boraiah: what
27:24
Manju Boraiah: really
27:24
Manju Boraiah: unlocks
27:25
Manju Boraiah: the
27:25
Manju Boraiah: true
27:26
Manju Boraiah: advantage
27:27
Manju Boraiah: of
27:27
Manju Boraiah: AI,
27:27
Manju Boraiah: in
27:27
Manju Boraiah: my
27:27
Manju Boraiah: view.
27:29
Ryan: Yeah.
27:30
Ryan: Manju,
27:30
Ryan: and
27:30
Ryan: I'm
27:30
Ryan: sure
27:31
Ryan: with
27:31
Ryan: their
27:31
Ryan: background
27:32
Ryan: in
27:32
Ryan: computer
27:32
Ryan: science
27:33
Ryan: and
27:33
Ryan: then
27:33
Ryan: also
27:33
Ryan: systematic
27:34
Ryan: investing,
27:35
Ryan: you
27:35
Ryan: have
27:35
Ryan: a
27:36
Ryan: good
27:36
Ryan: grasp
27:36
Ryan: on
27:37
Ryan: AI
27:37
Ryan: and
27:38
Ryan: technology,
27:38
Ryan: so
27:39
Ryan: it's
27:39
Ryan: always
27:39
Ryan: great
27:39
Ryan: to
27:39
Ryan: get
27:39
Ryan: your
27:40
Ryan: insight
27:40
Ryan: there.
27:41
Manju Boraiah: Mm-hmm.
27:53
Ryan: of
27:54
Ryan: AI.
27:54
Ryan: Like
27:54
Ryan: you
27:54
Ryan: said,
27:55
Ryan: they're
27:55
Ryan: probably
27:55
Ryan: at
27:55
Ryan: level
27:56
Ryan: one,
27:57
Ryan: two
27:58
Ryan: using
27:58
Ryan: chatbots
27:59
Ryan: and
27:59
Ryan: stuff
27:59
Ryan: like
28:00
Ryan: that
28:00
Ryan: versus
28:01
Ryan: more
28:01
Ryan: the
28:01
Ryan: decision-making.
28:02
Ryan: Do
28:03
Ryan: you
28:03
Ryan: think
28:03
Ryan: they're
28:03
Ryan: kind
28:03
Ryan: of
28:03
Ryan: missing
28:04
Ryan: an
28:04
Ryan: opportunity
28:04
Ryan: there?
28:05
Ryan: Or
28:05
Ryan: maybe
28:05
Ryan: they're
28:06
Ryan: just
28:06
Ryan: a
28:06
Ryan: little
28:07
Ryan: apprehensive
28:07
Ryan: because
28:08
Ryan: of
28:08
Ryan: compliance
28:09
Ryan: and
28:09
Ryan: stuff
28:10
Ryan: to
28:10
Ryan: really
28:10
Ryan: get
28:10
Ryan: to
28:11
Ryan: level
28:11
Ryan: five?
28:12
Manju Boraiah: Yeah.
28:13
Manju Boraiah: So
28:13
Manju Boraiah: level
28:13
Manju Boraiah: five
28:14
Manju Boraiah: is,
28:14
Manju Boraiah: is
28:14
Manju Boraiah: harder
28:15
Manju Boraiah: for
28:15
Manju Boraiah: sure,
28:15
Manju Boraiah: Ryan.
28:16
Manju Boraiah: But
28:16
Manju Boraiah: level
28:16
Manju Boraiah: four,
28:17
Manju Boraiah: in
28:17
Manju Boraiah: my
28:17
Manju Boraiah: view,
28:17
Manju Boraiah: where
28:18
Manju Boraiah: you're
28:19
Manju Boraiah: orchestrating
28:19
Manju Boraiah: workflows,
28:20
Manju Boraiah: and
28:20
Manju Boraiah: to
28:20
Manju Boraiah: me,
28:20
Manju Boraiah: that
28:21
Manju Boraiah: is
28:21
Manju Boraiah: a
28:21
Manju Boraiah: key
28:22
Manju Boraiah: input
28:22
Manju Boraiah: to
28:22
Manju Boraiah: solving
28:23
Manju Boraiah: what
28:23
Manju Boraiah: we
28:23
Manju Boraiah: discussed
28:24
Manju Boraiah: earlier,
28:25
Manju Boraiah: aggregation
28:25
Manju Boraiah: without
28:26
Manju Boraiah: integration,
28:26
Manju Boraiah: right?
28:26
Manju Boraiah: That
28:27
Manju Boraiah: integration
28:27
Manju Boraiah: piece
28:28
Manju Boraiah: where
28:28
Manju Boraiah: you're
28:28
Manju Boraiah: trying
28:29
Manju Boraiah: to
28:29
Manju Boraiah: bring
28:29
Manju Boraiah: different
28:30
Manju Boraiah: practices
28:30
Manju Boraiah: together,
28:31
Manju Boraiah: different
28:32
Manju Boraiah: investment
28:32
Manju Boraiah: processes,
28:33
Manju Boraiah: and
28:33
Manju Boraiah: different,
28:34
Manju Boraiah: you
28:34
Manju Boraiah: know,
28:34
Manju Boraiah: kind
28:35
Manju Boraiah: of
28:35
Manju Boraiah: like
28:35
Manju Boraiah: workflows
28:35
Manju Boraiah: you
28:35
Manju Boraiah: might
28:36
Manju Boraiah: have
28:36
Manju Boraiah: in
28:36
Manju Boraiah: an
28:36
Manju Boraiah: organization
28:38
Manju Boraiah: under
28:38
Manju Boraiah: one
28:39
Manju Boraiah: kind
28:39
Manju Boraiah: of
28:39
Manju Boraiah: cohesive
28:40
Manju Boraiah: umbrella.
28:41
Manju Boraiah: That
28:41
Manju Boraiah: is
28:41
Manju Boraiah: where
28:42
Manju Boraiah: I
28:42
Manju Boraiah: think
28:43
Manju Boraiah: wealth
28:43
Manju Boraiah: management
28:43
Manju Boraiah: and
28:44
Manju Boraiah: even
28:44
Manju Boraiah: asset
28:44
Manju Boraiah: management
28:45
Manju Boraiah: should
28:45
Manju Boraiah: be
28:45
Manju Boraiah: embracing
28:46
Manju Boraiah: AI
28:46
Manju Boraiah: and
28:46
Manju Boraiah: kind
28:47
Manju Boraiah: of
28:47
Manju Boraiah: taking
28:47
Manju Boraiah: that
28:47
Manju Boraiah: next
28:47
Manju Boraiah: step.
28:48
Manju Boraiah: And
28:48
Manju Boraiah: it's
28:49
Manju Boraiah: harder
28:49
Manju Boraiah: for
28:50
Manju Boraiah: an
28:50
Manju Boraiah: individual
28:50
Manju Boraiah: advisor
28:51
Manju Boraiah: to
28:51
Manju Boraiah: do,
28:51
Manju Boraiah: right?
28:52
Manju Boraiah: I
28:52
Manju Boraiah: mean
28:52
Manju Boraiah: because
28:52
Manju Boraiah: you
28:53
Manju Boraiah: do
28:53
Manju Boraiah: require
28:53
Manju Boraiah: different
28:54
Manju Boraiah: skill
28:54
Manju Boraiah: sets
28:55
Manju Boraiah: to
28:55
Manju Boraiah: kinda
28:55
Manju Boraiah: get
28:55
Manju Boraiah: there.
28:56
Manju Boraiah: Because,
28:56
Manju Boraiah: you
28:56
Manju Boraiah: know,
28:57
Manju Boraiah: all
28:57
Manju Boraiah: of
28:57
Manju Boraiah: us
28:57
Manju Boraiah: do
28:57
Manju Boraiah: wipe
28:58
Manju Boraiah: coding
28:58
Manju Boraiah: and
28:58
Manju Boraiah: all
28:58
Manju Boraiah: we
28:58
Manju Boraiah: can
28:59
Manju Boraiah: build,
28:59
Manju Boraiah: you
29:00
Manju Boraiah: know,
29:00
Manju Boraiah: applications
29:00
Manju Boraiah: on
29:00
Manju Boraiah: the
29:01
Manju Boraiah: fly.
29:01
Manju Boraiah: But
29:02
Manju Boraiah: just
29:02
Manju Boraiah: integrating
29:03
Manju Boraiah: something
29:03
Manju Boraiah: that
29:03
Manju Boraiah: you've
29:03
Manju Boraiah: built
29:04
Manju Boraiah: with
29:04
Manju Boraiah: the
29:05
Manju Boraiah: broader
29:05
Manju Boraiah: workflow
29:06
Manju Boraiah: and,
29:07
Manju Boraiah: and
29:07
Manju Boraiah: kind
29:07
Manju Boraiah: of
29:07
Manju Boraiah: testing
29:08
Manju Boraiah: the
29:08
Manju Boraiah: end-to-end
29:08
Manju Boraiah: and
29:09
Manju Boraiah: making
29:09
Manju Boraiah: it
29:09
Manju Boraiah: really
29:09
Manju Boraiah: work
29:10
Manju Boraiah: is
29:10
Manju Boraiah: not
29:10
Manju Boraiah: easy.
29:11
Manju Boraiah: But
29:11
Manju Boraiah: my
29:11
Manju Boraiah: view
29:12
Manju Boraiah: is
29:12
Manju Boraiah: like
29:12
Manju Boraiah: the
29:12
Manju Boraiah: home
29:12
Manju Boraiah: offices
29:13
Manju Boraiah: should
29:14
Manju Boraiah: really
29:14
Manju Boraiah: embrace
29:14
Manju Boraiah: this.
29:15
Manju Boraiah: I
29:15
Manju Boraiah: think
29:15
Manju Boraiah: this
29:15
Manju Boraiah: is
29:15
Manju Boraiah: really
29:16
Manju Boraiah: more
29:16
Manju Boraiah: for
29:16
Manju Boraiah: the
29:16
Manju Boraiah: home
29:17
Manju Boraiah: offices
29:17
Manju Boraiah: to
29:17
Manju Boraiah: help
29:18
Manju Boraiah: integrate
29:18
Manju Boraiah: the
29:18
Manju Boraiah: front,
29:19
Manju Boraiah: middle,
29:19
Manju Boraiah: and
29:19
Manju Boraiah: back
29:19
Manju Boraiah: office
29:20
Manju Boraiah: so
29:20
Manju Boraiah: that
29:21
Manju Boraiah: it
29:21
Manju Boraiah: makes
29:21
Manju Boraiah: the,
29:22
Manju Boraiah: the
29:22
Manju Boraiah: overall
29:23
Manju Boraiah: process
29:23
Manju Boraiah: for
29:23
Manju Boraiah: advisors
29:24
Manju Boraiah: more
29:24
Manju Boraiah: easy.
29:24
Manju Boraiah: Yeah.
29:26
Ryan: Yeah.
29:27
Ryan: Manju,
29:27
Ryan: that's
29:27
Ryan: a
29:28
Ryan: perfect
29:28
Ryan: way
29:28
Ryan: of
29:28
Ryan: wrapping
29:29
Ryan: up
29:29
Ryan: this
29:29
Ryan: conversation
29:30
Ryan: because
29:30
Ryan: you're
29:30
Ryan: exactly
29:31
Ryan: right.
29:31
Ryan: With
29:31
Ryan: AI,
29:32
Ryan: a
29:32
Ryan: lot
29:32
Ryan: of
29:32
Ryan: what
29:32
Ryan: you
29:33
Ryan: just
29:33
Ryan: talked
29:33
Ryan: about
29:33
Ryan: that,
29:34
Ryan: you
29:34
Ryan: know,
29:34
Ryan: unified
29:36
Ryan: managed
29:36
Ryan: households
29:37
Ryan: becomes
29:37
Ryan: a
29:38
Ryan: lot
29:38
Ryan: easier,
29:39
Ryan: and
29:39
Ryan: at
29:39
Ryan: the
29:39
Ryan: end
29:40
Ryan: of
29:40
Ryan: the
29:40
Ryan: day,
29:40
Ryan: it
29:40
Ryan: benefits
29:41
Ryan: the
29:41
Ryan: end
29:42
Ryan: investor,
29:43
Ryan: the
29:43
Ryan: end
29:44
Ryan: client
29:44
Ryan: because
29:44
Ryan: then
29:45
Ryan: they
29:45
Ryan: can
29:45
Ryan: have
29:45
Ryan: more
29:46
Ryan: of
29:46
Ryan: a
29:46
Ryan: holistic
29:46
Ryan: approach
29:47
Ryan: to
29:47
Ryan: their
29:47
Ryan: investment
29:48
Ryan: management
29:49
Ryan: tax
29:49
Ryan: efficiencies.
29:50
Ryan: Like
29:50
Ryan: you
29:50
Ryan: said,
29:51
Ryan: maybe
29:51
Ryan: more
29:51
Ryan: diversification,
29:52
Ryan: a
29:52
Ryan: better
29:53
Ryan: understanding
29:54
Ryan: of
29:54
Ryan: exactly
29:55
Ryan: all
29:55
Ryan: their
29:55
Ryan: investments
29:56
Ryan: across
29:56
Ryan: the
29:56
Ryan: board.
29:57
Ryan: So
29:58
Ryan: important
29:58
Ryan: and
29:59
Ryan: a
29:59
Ryan: lot
29:59
Ryan: to
29:59
Ryan: come
29:59
Ryan: there.
30:00
Ryan: A
30:00
Ryan: lot
30:00
Ryan: to
30:00
Ryan: come,
30:01
Ryan: Manju.
30:04
Ryan: Wow.
30:04
Ryan: Thank
30:05
Ryan: you
30:05
Ryan: so
30:05
Ryan: much,
30:06
Ryan: Manju,
30:06
Ryan: for
30:06
Ryan: coming
30:07
Ryan: on
30:07
Ryan: the
30:07
Ryan: show.
30:07
Ryan: Really
30:08
Ryan: fun
30:09
Ryan: conversation.
30:09
Ryan: You
30:09
Ryan: brought
30:10
Ryan: a
30:10
Ryan: ton
30:10
Ryan: of
30:10
Ryan: great
30:11
Ryan: insight,
30:11
Ryan: a
30:11
Ryan: lot
30:12
Ryan: of
30:12
Ryan: information.
30:13
Ryan: Like
30:13
Ryan: I
30:13
Ryan: said
30:13
Ryan: earlier,
30:15
Ryan: really
30:15
Ryan: like
30:15
Ryan: this
30:16
Ryan: topic
30:16
Ryan: due
30:16
Ryan: to
30:16
Ryan: our,
30:17
Ryan: you
30:17
Ryan: know,
30:18
Ryan: my
30:18
Ryan: interests,
30:18
Ryan: and
30:19
Ryan: I
30:19
Ryan: really
30:19
Ryan: feel
30:19
Ryan: that
30:20
Ryan: separately
30:20
Ryan: managed
30:20
Ryan: accounts
30:21
Ryan: are
30:21
Ryan: a
30:21
Ryan: great
30:22
Ryan: vehicle
30:23
Ryan: for
30:24
Ryan: investors
30:24
Ryan: and
30:25
Ryan: for
30:25
Ryan: financial
30:25
Ryan: advisors
30:27
Ryan: to
30:27
Ryan: help
30:27
Ryan: with
30:27
Ryan: their
30:28
Ryan: investment
30:28
Ryan: management
30:29
Ryan: portion
30:29
Ryan: of
30:29
Ryan: their
30:30
Ryan: business.
30:30
Ryan: So
30:31
Ryan: thank
30:31
Ryan: you
30:31
Ryan: so
30:31
Ryan: much.
30:32
Ryan: Really
30:32
Ryan: fun
30:33
Ryan: conversation.
30:34
Ryan: Where
30:34
Ryan: can
30:34
Ryan: our
30:35
Ryan: listeners
30:35
Ryan: get
30:35
Ryan: more
30:36
Ryan: information
30:36
Ryan: about
30:36
Ryan: Allspring?
30:38
Manju Boraiah: No,
30:38
Manju Boraiah: definitely.
30:39
Manju Boraiah: And,
30:39
Manju Boraiah: and
30:39
Manju Boraiah: thank
30:39
Manju Boraiah: you
30:39
Manju Boraiah: so
30:40
Manju Boraiah: much,
30:40
Manju Boraiah: Ryan.
30:40
Manju Boraiah: Really
30:40
Manju Boraiah: enjoyed
30:41
Manju Boraiah: this
30:41
Manju Boraiah: conversation.
30:41
Manju Boraiah: And
30:42
Manju Boraiah: in
30:42
Manju Boraiah: terms
30:42
Manju Boraiah: of
30:42
Manju Boraiah: Allspring,
30:43
Manju Boraiah: you
30:43
Manju Boraiah: know
30:43
Manju Boraiah: advisors
30:44
Manju Boraiah: can
30:44
Manju Boraiah: go
30:44
Manju Boraiah: to
30:45
Manju Boraiah: allspringglobal.com
30:46
Manju Boraiah: or
30:47
Manju Boraiah: please
30:47
Manju Boraiah: follow
30:47
Manju Boraiah: us
30:48
Manju Boraiah: on
30:48
Manju Boraiah: LinkedIn.
30:49
Manju Boraiah: And
30:49
Manju Boraiah: I'm
30:49
Manju Boraiah: sure
30:50
Manju Boraiah: you
30:50
Manju Boraiah: know
30:50
Manju Boraiah: there's
30:50
Manju Boraiah: a
30:51
Manju Boraiah: friendly
30:51
Manju Boraiah: Allspring
30:52
Manju Boraiah: representative
30:52
Manju Boraiah: in
30:53
Manju Boraiah: your
30:53
Manju Boraiah: territory
30:53
Manju Boraiah: if
30:53
Manju Boraiah: you're
30:53
Manju Boraiah: interested
30:54
Manju Boraiah: to
30:54
Manju Boraiah: learn
30:54
Manju Boraiah: more
30:55
Manju Boraiah: about
30:55
Manju Boraiah: our
30:55
Manju Boraiah: products.
30:56
Manju Boraiah: But
30:56
Manju Boraiah: thank
30:56
Manju Boraiah: you
30:56
Manju Boraiah: so
30:56
Manju Boraiah: much
30:57
Manju Boraiah: for
30:57
Manju Boraiah: having
30:57
Manju Boraiah: me.
30:57
Manju Boraiah: It
30:57
Manju Boraiah: was
30:57
Manju Boraiah: a
30:58
Manju Boraiah: great
30:58
Manju Boraiah: conversation,
30:58
Manju Boraiah: Ryan,
30:59
Manju Boraiah: and,
30:59
Manju Boraiah: If
30:59
Manju Boraiah: you're
30:59
Manju Boraiah: ever
31:00
Manju Boraiah: in
31:00
Manju Boraiah: the
31:00
Manju Boraiah: San
31:00
Manju Boraiah: Francisco
31:01
Manju Boraiah: Bay
31:01
Manju Boraiah: Area
31:02
Manju Boraiah: you
31:02
Manju Boraiah: know,
31:02
Manju Boraiah: ping
31:02
Manju Boraiah: me
31:02
Manju Boraiah: and
31:02
Manju Boraiah: we
31:03
Manju Boraiah: can
31:03
Manju Boraiah: catch
31:03
Manju Boraiah: up
31:03
Manju Boraiah: for
31:03
Manju Boraiah: a
31:03
Manju Boraiah: cup
31:03
Manju Boraiah: of
31:04
Manju Boraiah: coffee.
31:05
Ryan: Well,
31:05
Ryan: Manju,
31:06
Ryan: I'm
31:06
Ryan: just
31:06
Ryan: up
31:06
Ryan: the
31:07
Ryan: road,
31:07
Ryan: up
31:07
Ryan: in
31:07
Ryan: the
31:07
Ryan: mountains
31:08
Manju Boraiah: Great.
31:09
Ryan: San
31:09
Ryan: Francisco,
31:10
Ryan: so
31:11
Ryan: not
31:11
Ryan: far.
31:12
Manju Boraiah: Oh.
31:12
Ryan: Careful
31:13
Ryan: what
31:13
Ryan: you
31:13
Ryan: wish
31:13
Ryan: for.
31:13
Ryan: I
31:14
Ryan: might
31:14
Ryan: come
31:14
Ryan: down
31:14
Ryan: for
31:14
Ryan: a
31:14
Ryan: Giants
31:15
Ryan: game
31:15
Ryan: and
31:15
Ryan: I
31:15
Ryan: may
31:15
Ryan: knocking
31:16
Ryan: on
31:16
Ryan: your
31:16
Ryan: door,
31:17
Manju Boraiah: Oh,
31:17
Manju Boraiah: yeah,
31:17
Manju Boraiah: please
31:17
Manju Boraiah: do.
31:18
Manju Boraiah: And
31:18
Manju Boraiah: yeah,
31:19
Manju Boraiah: no,
31:19
Manju Boraiah: it'll,
31:19
Manju Boraiah: it'll--
31:20
Manju Boraiah: it's
31:20
Manju Boraiah: always
31:20
Manju Boraiah: fun
31:20
Manju Boraiah: to
31:20
Manju Boraiah: catch
31:21
Manju Boraiah: up
31:21
Manju Boraiah: in
31:21
Manju Boraiah: person.
31:22
Ryan: Yeah,
31:22
Ryan: exactly.
31:23
Ryan: Awesome,
31:24
Ryan: Manju.
31:24
Ryan: Thank
31:25
Ryan: you
31:25
Ryan: so
31:25
Ryan: much,
31:25
Ryan: and
31:26
Ryan: thank
31:26
Ryan: you
31:26
Ryan: everyone
31:26
Ryan: for
31:27
Ryan: listening
31:27
Ryan: to
31:27
Ryan: this
31:28
Ryan: episode
31:28
Ryan: of
31:28
Ryan: Zephyr's
31:29
Ryan: Adjust
31:29
Ryan: It
31:30
Ryan: For
31:30
Ryan: Risk
31:30
Ryan: podcast.
31:31
Ryan: You
31:31
Ryan: can
31:31
Ryan: watch
31:31
Ryan: all
31:31
Ryan: of
31:31
Ryan: our
31:32
Ryan: other
31:32
Ryan: episodes
31:32
Ryan: on
31:33
Ryan: the
31:33
Ryan: Zephyr
31:33
Ryan: YouTube
31:34
Ryan: channel
31:34
Ryan: and
31:35
Ryan: all
31:35
Ryan: the
31:35
Ryan: other
31:35
Ryan: platforms
31:36
Ryan: where
31:36
Ryan: you
31:36
Ryan: catch
31:37
Ryan: your
31:37
Ryan: favorite
31:37
Ryan: podcasts.
31:38
Ryan: Please
31:38
Ryan: be
31:39
Ryan: sure
31:39
Ryan: to
31:39
Ryan: like
31:39
Ryan: and
31:39
Ryan: subscribe
31:40
Ryan: to
31:40
Ryan: those
31:40
Ryan: channels
31:41
Ryan: and
31:41
Ryan: give
31:41
Ryan: us
31:41
Ryan: a
31:41
Ryan: follow
31:42
Ryan: on
31:42
Ryan: LinkedIn.
31:43
Ryan: Thank
31:43
Ryan: you
31:43
Ryan: very
31:43
Ryan: much
31:44
Ryan: and
31:44
Ryan: have
31:44
Ryan: a
31:44
Ryan: great
31:44
Ryan: rest
31:45
Ryan: of
31:45
Ryan: your
31:45
Ryan: week.