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How to improve virtual meetings and live stream video broadcasts

I started a FPPad as a virtual consulting business full-time in 2009, so I’ve been leveraging remote meetings and video conferences for over a decade.

Given the sudden increase in work-from-home flexibility, I’m publishing a quick list of my top suggestions to improve virtual meetings and live stream video broadcasts.

Have any suggestions or questions? The best place is to ask me on Twitter, I’m @BillWinterberg.

Bill Winterberg’s Remote Video Tips

  • A good background, mainly clean of clutter, matters and minimizes viewer distractions
  • Know how to lock your camera’s focus and exposure settings (which also minimizes distractions)
  • One decent light shining on your face, or sitting in front of a window for natural light, makes a huge difference
  • Stand up whenever possible; it increases your energy and your lung capacity when speaking
  • Avoid using your laptop’s webcam when working on a desk, as it generally points up into your nose. Raise the laptop to eye level whenever possible
  • Know how to share slides, your desktop, or other visual aids to break up the visual monotony. When  sharing your desktop, know how to disable or hide your desktop-based popup notifications
  • Look at your camera, not your screen, when talking as it better engages your viewer with “eye contact.” If you need it, place a Post It note next to your camera that has a big arrow pointing at the camera and says “LOOK HERE (and 😃)”
  • If you wear a headset or headphones, run the cord BEHIND your head and back instead of dangling in front of your shoulders (again, another distraction to avoid)

2017 Black Friday and Cyber Monday deals for content creators

Just as I did last year, I’ve aggregated Black Friday and Cyber Monday deals for 2017 on audio and video gear you can use to create online content for your business.

Check out the list below, and if you find any great deals I haven’t listed, leave a link in the comments below or send me a tweet to @billwinterberg.

NOTE: Links to Amazon where applicable are my affiliate links, so I earn a small commission if you use the links to purchase (and THANK YOU, because that helps support the free content here at FPPad!). Also, links to online sites may not reflect Black Friday pricing until Thursday or Friday, so check back often if the prices don’t yet match the prices I cite in this post.

Last updated November 27, 2017 at 11:38 AM ET

Jump to: Cameras — Lights — Video Accessories — Computers and Storage

Cameras

Canon EOS Rebel T6i Video Creator KitFirst up is a video creators kit featuring the Canon EOS Rebel T6i DSLR Camera at $649 from Amazon. B&H Photo also has the same kit for $649. I’ve seen several sales on the same camera and lens combo over at Target and Best Buy for $599, but for just $50 more for this package, you pick up the RODE VideoMic GO and a 32GB SD memory card that would cost about $120 when purchased separately, so you’re saving about $70 on these two accessories.

The T6i is a great DSLR to get started with video, as you can keep your equipment investment well below $1,000. Note, this camera has a “crop sensor” and not a full sensor like the more expensive Canon 5D line (starting around $2,000 just for the camera body!), but for production for a website and YouTube channel, many creators really won’t notice any drawbacks in using a crop sensor camera. But if your full-time business is landscape, architecture, or modeling photography, well, a full frame sensor is almost commonplace.

Also, why not buy the less expensive T6 or T5 cameras? Those cameras don’t have a touchscreen LCD display that swings out a full 180º to the side, which is super important when you’re filming yourself “selfie” style. You need to be able to see what the camera sees when filming yourself so you can set the focus, ISO, and lens aperture accordingly for a high quality image. You just can’t to that on the fly with the Canon Rebel cameras with no “i” after their model number!

Canon 80D

Now if you want pixel resolution similar to a full frame camera without the full frame price, Amazon also has a deal on the Canon EOS 80D DSLR camera with the video creator kit at $1,399B&H Photo has the same kit as well. Note that the 80D has an APS-C sensor, not a legitimate full frame sensor, but the sensor resolution is actually higher than some older model full frame cameras. Here’s a helpful review if you want to read more about the APS-C sensor.

Vlog Camera

Canon PowerShot G7X Mark II Video Creator KitI use the term “vlog camera” for cameras you can keep in your pocket while on a trip, attending an event, or otherwise out of the office, but want to quickly take out a camera and record a quick thought, capture some time lapse, or shoot some b-roll footage for your video. I generally recommend two cameras for this kind of activity: the Canon G7X Mk II and the Sony RX100 V.

First, Amazon has a gift card bundle on the Sony RX100V right now for $949 including a $50 gift card, so your “net” price is $899. This isn’t a huge savings over the camera’s regular price of $949, but $50 will cover an extra battery and maybe an SD flash card to get you up and running with your vlogging.

The vlog camera I use, the G7X, is bundled on Amazon for $699 ($50 savings) which includes a 32GB flash card, Manfrotto PIXI MINI Tripod, and an extra Canon NB-13L battery (key if you want to vlog for a full day).

Note that neither camera has a jack for an external microphone, so these are not ideal for filming video in a studio or office as your main camera unless you have an external audio recorder that you will use for an audio track. Instead, I use my vlogging camera to capture b-roll at events and use as a second camera angle while my primary camera is a DSLR with the RODE microphone (or wireless lavalier) plugged directly into the camera for high quality audio.

Mevo Plus

Mevo Plus - The Live Event Camera
Here’s a camera for live streaming video. Check out the Mevo Plus at $399 for Black Friday ($100 off MSRP). If you want one camera that is super easy to set up and operate for a Facebook Live, YouTube, Periscope and more, the Mevo Plus can do it.

I highly recommend looking at ways to plug in an external microphone for your broadcasts unless you’re in a quiet office or studio, but that does add some cost an complexity to your setup. You can connect a microphone using a compatible mobile device connected to the Mevo Plus over WiFi, or you can add on the Mevo Boost accessory (another $250) that uses microphones connected via a USB interface (see how to connect microphones via USB in this article).

Drones!

DJI Mavic ProOk, ok, you don’t *need* a drone to make videos, but man, are they fun to use and they do capture incredible aerial footage. So if you’re inclined to experiment with adding a drone to your production process, here are a few Black Friday deals.

First is the DJI Mavic Pro at $895 ($104 off). This is the drone I own and bring to conferences and events as well as my family trip to Yellowstone this past summer.

Keep in mind that you’ll not only need to learn how to legally operate the drone, you also need to learn how to operate a new camera with its own ISO, focus, and exposure settings. Be sure to allocate lots of time for practice before you fly for your finished videos.

A lower price point for a drone is the DJI Spark WITHOUT A CONTROLLER at $399 for Black Friday. The Spark is a bit more compact than the Mavic Pro, but its arms don’t collapse and fold like the Mavic Pro, so this is a toss-up on how easy it is to stuff into a backpack compared to the Mavic Pro.

Also, to save money, you can choose not to buy the controller and fly this exclusively with your mobile phone, but your controls will be more limited than if you had a full handheld joystick. If you want the power of a joystick, then upgrade to this DJI Spark Fly More Combo at $599 (regularly $699).

Lights

Fotodiox has several Black Friday specials on lighting packages.

Deluxe Video Studio Chromakey Starter KitFirst is the Deluxe Video Studio Chromakey Starter Kit at $199 (regular price $344.95) which includes two of the 955 Compact Studio LED lights and a 5×7′ collapsible green screen background. These light boxes have 9 LED lights each(!), giving you TONS of dispersed light for your shoots, which is why this kit is approaching $200 (you can find cheaper kits, but you won’t find them with so many lights). One drawback is the size of the 5×7′ green screen, which might be a bit narrow and short if you hope to film your entire body in your shoot. But still, you can purchase other larger green screens to complement this set from Fotodiox.

Fotodiox Collapsible LED Ring LightAlso from Fotodiox is this clever collapsible LED ring light at $49.95 (regular price $129.95). Now before you buy this ring light, go watch my video with Bohuš Blahut of Fotodiox about the pros and cons of shooting with ring lights. Ok, so if you want an inexpensive way to get started with a simple ring light, this kit is a great way to get started. Just remember that shadow helps you when filming, so you’ll likely want to add a few other lights in your setup to help with modeling on your video subject (likely yourself!).

Video Accessories

Soundstripe Black Friday dealOne critical component of good videos is having good music. I’ve been a subscriber of Soundstripe for a year now, a service that offers unlimited licensing of tracks in their music library for a fixed annual subscription.

Now through Cyber Monday, get your first year subscription for $87, 35% off the regular annual subscription of $135. After the first year, the subscription renews at the standard $135 per year.

When typical tracks from Premium Beat and Tune Fruit run $40 to $100 EACH, getting an annual subscription to an expanding library of high quality music for $87 is incredible! If you end up using just two songs from Soundstripe in a year, you’ve recouped your subscription.

Computers and Storage

SanDisk Black Friday SavingsFor Black Friday, Amazon is offering 30% to 70%(!) off SanDisk memory cards. Look for minimum speeds of Class 10, the same as UHS Speed 1, for filming 1080 HD video, and consider the faster UHS Speed 3 for filming in 4k. The 64GB micro SD card was as low as $13.99, but even at Friday’s price of $14.99 it’s a really good deal!

The more videos you make, the more memory cards you’re going to need (and remember, flash memory will get slower with age, so if you shoot videos each day, your memory card’s speed will get slower and slower over time. It takes about a year or two to slow down, but you’ll notice it for sure when it takes a long time to move footage to your computer!)

Hard Drives

Seagate Portable DrivesB&H Photo has $15-$20 off 2TB Seagate portable hard drives, which come in handy for offloading raw footage and editing project files from your laptop onto some kind of backup device.

I always bring two of these drives along with me to video shoots so I have a place I can offload extra footage, but I remember buying my 1TB drives at $59.99, which is now the price of a 2TB drive with this Cyber Monday special!

Desktops and Laptops

Apple laptops and desktop computersI admit, I have a preference for Apple computers, especially because I edit all my videos in Final Cut Pro. That said, know that you can find some great deals on PCs that run Windows elsewhere, but I’m just going to list the deals I find on Apple.

For Cyber Monday, B&H has a killer deal on a 15.4″ MacBook Pro with Touch Bar at $1,899, ($900 off MSRP, but about $425 off the lowest Amazon price). This is the laptop with the 2.7 GHz Intel Core i7 Quad-Core processor, 16GB of 2133 MHz RAM, and 512GB PCIe SSD. These are just about the specs that match the MacBook I use (see below), but a little warning, you might find the 15″ form factor to be a bit too bulky to travel with this laptop in most backpacks. It’s also heavier than the 13″ form factor, but I will admit that the extra screen real estate will go a long way when doing multi-cam editing when you’re away from your large screen in your home office!

 

Best Buy has a number of Apple laptops and desktops on sale for Black Friday, with savings ranging from $150 to $250. What do I use to edit on the road? A mid-2015 13″ MacBook Pro with the 3.1GHz Core i7 processor, 16GB RAM, and 512GB flash drive. It’s a workhorse that hasn’t failed me in two years and has been absolutely trouble free.

July 20, 2017 Update

July 20: 2 minute read

I haven’t published new content to FPPad since March 2017, so here’s some quick insight on things behind the scenes.

I’ve published several videos to the FPPad YouTube channel, including longer discussions with RIA in a Box and Snappy Kraken that include product walkthroughs. Subscribe to the FPPad YouTube channel AND click the bell icon to receive notifications when new videos are posted. Arguably that’s the easiest way to see what gets published, as I don’t always follow up with an update via email or even a new post to the FPPad blog.

Generally, I’ve been posting regularly to Twitter, including links to insightful interviews, previews of the #FuseUtah hackathon coming in September, and a new savings account startup that might, just might, pay 2-4% interest on your cash (pending a planned release in October, which you should know, is more like a guideline than a definitive date).

But in case you’re wondering, the answer is yes, I’m still focused on covering companies, trends, and issues in financial adviser technology, but the volume and frequency of my content has trailed off over the last six months.

Here are three main reasons why.

First, I took on several retainer engagements in H1 2017 to create marketing materials for social media channels for several companies including Morningstar and Redtail Technologies. Here’s some Morningstar promotional material we produced and here’s what we’re working on with Redtail: http://www.wheredoyouredtail.com/ (and when I write we, I mean Steve Biermann and I). As I created more video content personally and for FPPad (I have something like 400 videos on that channel), I discovered that 1) I liked the creative process, and 2) I’m actually pretty good at creating compelling videos, and 3) more companies want to increase their footprint in the online and social content marketplace to promote their brand and communicate their story.

Second, I took all of June and half of July off to go on a 32-day trip to Yellowstone and back with my family, and I decided to make a daily vlog of the trip. In my 39 years I’ve never been to that part of the country, and I’m so blessed to have the opportunity to take it all in for a month and at the same time capture each day’s moments in a permanent family movie.

And finally, I’ve taken advantage of the slow summer to figure out more scalable ways to continue to add value to the thousands of you who have subscribed to FPPad without overwhelming too many of you with a barrage of disparate pseudo-content updates. I don’t quite have the answer of what format(s) that will take in the near future, but I do know that I’m not giving up on fintech or the importance of the financial advice you deliver to clients.

There are still millions of Americans who aren’t getting the financial advice from which they can benefit tremendously, and I firmly believe that the application of financial technology can increase access to financial advice at a price most Americans can afford.

So if you have comments or suggestions on what would benefit you as a subscriber, or if you just want to offer words of support, hit me up on Twitter or email me at bill@fppad.com

Thank you!

Rapid fire fintech updates from Twitter Moments

Twitter recently added the ability for all users to create their custom “Moments” feed. I took the opportunity to test Twitter Moments to create a list of rapid-fire fintech updates from many of the top vendors and service providers in the industry.

Take a look at the Moment below and let me know what you think!

Will 2016 bring a “run on the robos?”

How well are the online investment services prepared for a run on the bank type scenario?

How well are the online investment services prepared for a run on the bank type scenario?

Edit January 6, 2016: Added details that Personal Capital Advisors uses the custody services of Pershing Advisor Solutions LLC. Removed this tweet from a user of Personal Capital’s free dashboard, replaced with the Wealthfront tweet seen below.

I’m posting this today, as I’m genuinely concerned about what will happen when online investment services get flooded with redemption/account close requests.

“You STINK”

For example, take this tweet (note to readers in the future: if the embedded tweets below get deleted, I captured screenshots that I can post for posterity):

I stumbled across this tweet, as this person is upset about their portfolio performance.

So this got me thinking:

What happens when online investment services get flooded with redemption requests and account closures?

Run on the Robos

If an online investment service isn’t responsive to requests and complaints in a public forum (Twitter), how well will they respond once they are deluged with irate customers who are fed up and want out quickly?

“Sorry, we have a big backlog right now, but no worries, your money is still safe?”

¯_(ツ)_/¯

I don’t ever want to see businesses fail. I don’t ever want to see investors get into difficult situations regarding their investments.

But I fear that if a trickle of dissatisfaction with online investment services quickly becomes a flood, online services will get crushed.

Not picking on Personal Capital

Before you go, don’t assume that I’m picking on Personal Capital.

Yes, tweets above that are related to their company trigged my question of what happens when account closure rates skyrocket, but Personal Capital uses the custody services of Pershing Advisor Solutions LLC (it’s on page 5 of their Form ADV Part 2A Appendix 1).

Look, Pershing is a very large financial institution with nearly $1.5 trillion in global assets under administration and 75 years of experience.

200 account closures a day probably doesn’t make them sweat. 1,000 a week? That might be an average week. ACH, DTC, ACAT, they don’t bat an eye.

But for the startups that manage their own proprietary systems on top of Apex Clearing? Have they been tested?

I suppose I can contact them and ask, but what answer do you think I’m going to receive?

“Oh, Bill, thank you for bringing this to our attention, and as a result we found bottlenecks in our processes and have improved our ability to efficiently and accurately process account redemptions and closures.”

I don’t think so.

I’ve heard this before: “Once you go robo, you don’t go back.”

That, and I wanted the first Internet timestamp for “run on the robos.”

FPPad’s best moments (i.e. outtakes) of 2015

As 2015 comes to a close, I want to take a moment to thank you for spending a few minutes each week watching my videos.

I hope that you feel informed about the constant change in financial advisor technology, you’ve made a few decisions to implement technology in your business, and that you have laughed a time or two.

I take what I do seriously and try to deliver the best technology news and information for you, but I don’t take myself so seriously.

I love what I do, and I know that my passion for what you do (giving sound financial advice to your clients) comes through in each video I make.

Special thanks go to my Executive Producer Steve Biermann, who has been my right-hand man in content production throughout 2015. Something special happens when the two of us put our heads together, and again, I think that shows in the content we create.

So here’s to 2015; we did a ton of work.

2016, you are officially on notice!

Betterment is poised to overtake Wealthfront in AUM

AUM 600In the race for robo adviser supremacy, neither Wealthfront nor Betterment wants to be runner-up.

Love it or hate it, AUM, or assets under management, is the default metric by which investment management businesses are benchmarked.

Robo-Advisor AUM

Certainly, many automated investment services (or rather, robo-advisors) have been flaunting their AUM figures in recent years, to, well, I don’t know why, exactly, other than to beat their chest on how good they are at gathering assets.

The most vocal automated investment service for publishing AUM figures is Wealthfront, with periodic blog posts issued when the company passed the round numbers of $500 million, $1 billion, and $2 billion in AUM.

Taking the more subtle approach to AUM milestones is Betterment, long viewed as the runner-up to Wealthfront in the AUM-gathering contest since 2013.

Instead, Betterment mentions the number of customers it serves first (in part because they have more than Wealthfront, so they can be number one in that comparison), followed by the level of AUM represented by their customers.

Still, there are a few posts from Betterment that place dates on when the company crossed $1 billion (with 50,000 customers) and $2.5 billion (with 100,000 customers). One has to dig through trade publications like TechCrunch and Forbes to put a date on earlier AUM figures like the company’s first $100 million and $500 million, respectively.

Ok, fine. So how is that asset gathering coming along today?

Graph of Wealthfront vs. Betterment AUM Growth

This morning I wanted to take a quick look at the AUM growth of the two leading automated investment services, Wealthfront and Betterment. But after 10 minutes of Googling, I had no charts or graphs of how each company is growing their AUM.

So I built a quick Google Sheet using the dates and AUM figures from most of the blog posts and articles cited above. Here it is!

Wealthfront vs. Betterment AUM Growth

Wealthfront vs. Betterment AUM Growth

 

So what is my biggest takeaway from this chart?

Betterment poised to overtake Wealthfront in AUM

Betterment has consistently lagged Wealthfront’s AUM since 2013, and Wealthfront’s growth rate was higher than that of Betterment, but then something changed around December 2014.

The rate of Betterment’s AUM increase accelerated, while Wealthfront’s growth rate generally remained the same from January 2014.

And the most recent figures for August 2015 show that Betterment has significantly closed the AUM gap with Wealthfront.

This being mid-August, and assuming Betterment’s faster growth rate continues as it has since the beginning of 2015: Betterment is poised to overtake Wealthfront in AUM.

What Happened to Betterment’s AUM Growth?

What happened to boost Betterment’s AUM growth starting around December 2014. I suspect the cause is:

Betterment Institutional

So not only does Betterment have its own client acquisition strategies (web banner ads, TV commercials, ads on taxis and phone booths in NYC…), now the company has a new salesforce, if you will, of investment advisers who are using the Betterment Institutional service for their emerging clients.

This new cadre of advisers likely stands at a hundred or so today, but as the popularity and appeal of automated investment services expands, potentially thousands of financial advisers may be directing their emerging clients to use the low-cost service.

This is a totally new salesforce and asset gathering funnel that Wealthfront lacks today.

So in the race to be the dominant VC-backed automated investment service measured by AUM, the guard is about to change.

And nobody wants to be number two.

Robo Advisors: What you pay versus what you receive

Robo Advisor: What you pay versus what you receive

Robo Advisor: What you pay versus what you receive

Low fees are good, just remember not to shortchange yourself on the services you receive.

Robo advisor is a perfect moniker and here’s why

tl;dr: Algorithms are incapable of giving financial advice, so the oxymoron “robo advisor” is a perfect moniker. Know what you’re getting (and not getting) from automated investment services.

“I am tired of the whole robo thing,” says Motif Investing CEO Hardeep Walia.

Personal Capital CEO Bill Harris bemoans, “We are not a robo advisor.”

Wealthfront CEO Adam Nash retorts, “New tech doesn’t always fit neatly into a bucket.”

Cry Me a Robo River

To the automated investment services, I say,

“Boo hoo.”

NOW these services are beginning to experience how it feels when others, right or wrong, control the conversation about their business.

Most journalists, reporters, TV anchors, correspondents, bloggers and more don’t really know what makes any of the automated investment services different from one another, so most simply package them up into one catch-all term “robo advisor.”

Let’s face it: “robo-advisor” makes for great click bait. If it didn’t work (and generate clicks and eyeballs), editors and producers would stop using it. (You clicked to land here, didn’t you?)

But please, asking everyone to stop using “robo advisor” because it misrepresents what you do or somehow marginalizes your service in some way?

I submit to you Exhibits A and B.

“You don’t need that guy,” gloats Wealthfront’s ad.

Sure, because most financial professionals out there are just glorified psychics, spiritualists, or stock market prognosticators whose only tool for financial advice is a crystal ball!

Please.

The financial services industry has seen this marginalization long before automated investment services arrived.

Living In Glass Houses

The fiduciary financial professionals should be just as upset about this gross characterization of fortune tellers as the automated investment service providers are about the term “robo advisor.” (people who live in glass houses…)

“Stop comparing us to fortune tellers!”

“We are not personal psychic advisors!”

Perhaps Wealthfront paints with too broad a brush. Ok, so here’s Exhibit C:

Wealthfront: Don't Pay For Expensive Financial Advisors

Wealthfront: Don’t Pay For Expensive Financial Advisors

See? “Don’t pay for expensive financial advisors.”

Why not?

Because Wealthfront is the end-all-be-all service that investors need? Because Wealthfront does the exact same thing all fiduciary financial advisors do? Because all your financial needs are met by Wealthfront’s software?

Ask a Question 100 Times…

Go ahead, go to any automated investment service website right now. Wealthfront. Betterment. Future Advisor. Even the anti-“robo-advisor” Personal Capital. (*read my note below)

Fill out their questionnaire. Complete a free “Investment Checkup.”

What is the answer you get?

The answer from ANY of these services is ALWAYS to invest.

ALWAYS.

There is no Plan B, no backup option, no alternate strategy.

There’s no, “You really should first pay off your high interest credit card balances.”

No, “You should save up an emergency fund where you can access the money quickly.”

No, “You should create a will and advance medical directives first in case something were to happen to you.”

But ask automated investment services a question 100 times, “What should I do with my money?” and the answer is always going to be the same:

Invest in a diversified portfolio of low cost ETFs.

It’s the only answer these services have. There’s nothing else.

It’s not financial advice. It’s not wealth advice.

It’s barely investment advice.

It’s an investment recommendation. The output of a calculator.

Sophisticated or not, automated investment services are ALWAYS going to recommend investing your money.

There simply is no other result to offer. The algorithms today are incapable of suggesting anything but investing.

So Why Robo Advisor?

So why robo advisor as a moniker?

Because it is a oxymoron, a name that contradicts itself.

Algorithms, software programs, aka “robots” are incapable of making judgment calls and evaluating emotions or feelings in the calculation process.

Robots can’t give advice.

Robots can only decide based on ones and zeroes. True or false.

Sure, an algorithm’s answer can be associated with a level confidence (recall IBM’s Watson playing Jeopardy), but each discrete answer is associated with a level of confidence based off of a set of discrete factors evaluated in the calculation process.

An algorithm’s output is a result. Functions return arguments.

But don’t call that advice.

Know What You’re Getting

As with most decision-making processes, there’s often a big difference in what you can do and what you should do.

What is important to you? How does a decision make you feel? How do you prioritize your goals?

Can your entire life, your goals, your dreams, your aspirations be captured in a four question survey? A ten question survey? Even a hundred question survey?

For automated investment services to survey the market and say “Hey, we can improve investing outcomes by building a software program that does everything on the cheap!”

The questionnaire is only part of the advice process, it is not the start and finish.

And then there’s the talk of disruption, mainly coming from the media (I don’t recall any of the automated investment services specifically saying they intend “to disrupt” the financial services industry).

What industry are automated investment services attempting to disrupt, anyway?

Vanguard, the mutual fund giant, has been offering diversified, low-cost investment products and services quite successfully since the 1970s.

Just remember that the next time you consider the services of an automated investment service, know what you are getting.

Do your homework.

You are getting the results of a calculator.

The calculator is programmed to give an answer.

Not advice.

Not from a robot.

Don’t assume that the answer you get is the best answer for your situation.

Who you are as a person cannot be summed up in an online questionnaire.

 

*Note: Personal Capital toes the line on the robo advisor definition. Users complete the Investment Checkup and receive a target asset allocation illustration based on answers to the short questionnaire. However, specific mutual funds and ETFs are not recommended, so it’s not explicit. Users do get a basic automated investment allocation recommendation with no human intervention, but it’s up to the user to connect each recommended asset to a specific mutual fund or ETF to purchase. Users who want specific fund and ETF recommendations must engage Personal Capital for traditional investment advice rendered by human advisers and pay Personal Capital’s standard fees. This formal engagement is not robo advice.

It’s a privilege to be named an InvestmentNews 40 Under 40 Honoree

I truly appreciate the opportunity to connect with you, the community of financial professionals here at FPPad, to help keep you informed and up to date on technology innovation in financial services.

And when someone recognizes my contributions to the industry, I feel that it further validates the passion I have to help financial professionals build better businesses with technology.

InvestmentNews 40 Under 40 Honoree

Investment News 40 under 40Yesterday, InvestmentNews released its inaugural 40 Under 40 project to recognize the talent, influence, and contributions of young professionals in the industry, and it is an honor to be one of the individuals on the list.

For more about the progression of my career since founding FPPad in 2008, I put together a short video to reflect on the last six years and to envision what’s ahead in the future of the financial advice industry.

Enjoy, and thank you so much for helping contribute to the success of FPPad!

InvestmentNews 40 Under 40 Entrepreneurs: (l to r: Kristen Luke, Jason Van Duyn, and Bill Winterberg)

InvestmentNews 40 Under 40 Entrepreneurs: (left to right: Kristen Luke, Jason Van Duyn, and Bill Winterberg)