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Your prospect ran the same retirement projection twice, once with a 1% advisory fee and once without. The gap is huge, and now they're asking why they'd hire you. The math is right, but the comparison assumes you'd deliver the same plan either way. That's a price-to-value conversation, and most advisors answer it by reciting the value menu. It feels like proving your worth, but it comes across as defensive and puts a wedge between you and the prospect. In this episode, James and Eden apply the ACE framework to the fee conversation: acknowledge the fee is real money, clarify what's behind the question, then explain value in the prospect's own words. You'll walk away knowing how to hand the prospect the mic instead of defending your fee, and how to tie your value back to what they told you. You'll also learn how to reframe the "million-dollar, 30-year decision" as one they can exit at any time, and why raising the fee conversation before they do builds trust. -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

Your client's Monte Carlo score drops two points after a market wobble, and suddenly they're on the phone asking if they need to cut their monthly distributions. Sound familiar? If clients are white-knuckling a single number instead of trusting the plan behind it, that's not a client problem — it's a framing problem, and it's on us to fix. James and Eden dig into why the Monte Carlo score gets misunderstood and misused — by clients and advisors alike. They unpack Goodhart's Law (when a measure becomes a target, it stops being a good measure) and make the case for retiring the word "success" altogether in favor of thinking about probability of adjustment. Walk away with three concrete lenses for interpreting a client's score — spending flexibility, severity of failure, and one-time plan vs. ongoing relationship — plus a practical way to talk clients off the ledge when the number dips. You'll also get language you can use in your next client meeting to reframe what the score is (and isn't) actually telling them. -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

A client walks into your kickoff meeting excited about Roth conversions. They've watched your content, they get the concept, and they're ready to go. Then you run the numbers — and it doesn't make sense for their plan. You explain it, they understand it... and the room still feels deflated. Sound familiar? James and Eden dig into what happens when the right answer for a client feels like a letdown. They revisit the ACE framework (Acknowledge, Clarify, Explain) and unpack why skipping straight to "here's why that won't work" — even when you're correct — drives a wedge between you and your client instead of building trust. You'll walk away with a real playbook for saying no without losing the client's enthusiasm: how to acknowledge their excitement before you challenge it, how to clarify the actual goal behind the strategy they're asking for, and when it's worth carving out a small, harmless version of what they want just to preserve their sense of ownership. -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

You pass the CFP. You know the technical material cold. And you still feel your stomach drop every time a client asks a question, because some part of you is convinced they're only hearing "24-year-old" when you talk. James and Eden name the thing most young advisors won't say out loud: the gap holding you back was never competence. It's confidence. The instinct is to think confidence comes from reps — enough meetings, enough time, enough certifications, and eventually it clicks. James argues that's incomplete. Real confidence comes from 10,000 iterations of navigating hard, unfamiliar decisions — not 10,000 hours of rehearsing the same script. This episode is about how to pull those life experiences forward instead of waiting decades for them to happen to you. Advisors will walk away with a concrete way to think about their own "confidence gap" — why it's not solved by another designation, how deliberately pushing your comfort zone accelerates it, and why the messenger matters as much as the message when clients decide whether to trust your advice. -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

Most advisors get boxed in the second they pass their last exam. Study for the CFP, study for the Series exams, check the box — and somewhere along the way, the natural curiosity that made you good at this in the first place quietly disappears. That's a problem, because the advisors who stay effective are the ones who never stop treating this business like something to keep learning. This week James sits down with Erin Moriarty of Erin Talks Money — a 415K-subscriber finance channel built almost entirely on research, not recycled rules of thumb. Most creators (and most advisors) lean on the same tired talking points because it's easier. Erin's built her entire audience by doing the opposite, and this conversation gets into exactly how. You'll hear how Erin turns dense research into content the "average Joe" can actually use, why she said no the first time Root approached her about a partnership, and what finally changed her mind. If you communicate with clients — or you're a creator trying to build real trust with an audience — this episode is a masterclass in doing it without sounding like everyone else. -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

Every firm says the same thing when you ask what makes them different: "It's our culture." It's a word so overused it barely means anything anymore. In this episode, James and Eden go looking for what's actually underneath it — not the perks or the recognition channels, but the foundational beliefs that shape how a team operates when no one's watching.  James pulls out the journal he wrote two months after launching Root — back when he was still deciding whether to build a solo practice or a team — and reads through the leadership principles he wrote down at the time: courage, self-control, extreme ownership, mastery of details, and more. The instinct is to think culture gets built through tactics — the Slack celebration channel, the recognition programs, the team events. This episode makes the case that those are just expressions of principles that have to exist first. Advisors will walk away with a clearer sense of what separates managing people from actually leading them — why taking extreme ownership (even when it's not technically your fault) builds more trust with clients and teammates than assigning blame ever will, why "organizing the details" is a leader's real job, and why the standards you hold yourself to are the standards your team will eventually hold themselves to as well. --  Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

AI is coming for your job. Or is it?The fear is real — especially if you're early in your career watching AI take over tasks you just learned how to do. But the question isn't whether AI will change this industry. It already has. The question is whether you'll be on the right side of that shift. This episode is an honest conversation about what AI can and can't do in financial planning — and why the advisors who should be worried probably already know who they are. James and Eden break down the difference between the task of advising and the purpose of it, why AI raises the floor but will never set the ceiling, and what it actually looks like to use tools like AI as leverage rather than a crutch. If you've been feeling anxious about where this is all headed, this episode won't give you a prediction — but it will give you a healthier way to think about where you stand and what it means to be irreplaceable. -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

A client calls in scared. You have the data. You have the history. You know exactly what to say — and it still doesn't work. The problem isn't your answer. It's your timing. This episode breaks down the ACE Framework — Acknowledge, Clarify, Explain — a simple but powerful tool for navigating emotionally charged client conversations. Knowing the framework is easy. Actually sitting in the discomfort of A and C before jumping to E is where most advisors struggle. James and Eden explore why our instinct is always to go straight to the explanation, what happens when you slow down and meet clients where they are first, and how asking the right questions before giving advice changes everything — including how much clients trust what you say next. -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

Most associate advisors start the same way — trying to say things exactly right. Exactly like their lead. Exactly like the CEO would want. Like running a script instead of having a conversation. The problem isn't effort. It's the wrong goal. In this episode, James sits down with Root associate advisor Eden to talk about what it actually looks like to learn from the advisor you're supporting — without losing yourself in the process. They cover the difference between passively absorbing a lead's style and actively studying it: what's working, what isn't, and why both are worth your attention. Eden shares what she's learned from watching Naomi's calm, centered presence with clients — and how she's starting to fold that into her own delivery without copying it. James also breaks down why staying fully engaged in meetings you've seen a hundred times still matters. Because watching and doing are completely different things. You don't find your voice by observing forever. You find it by asking for reps, borrowing language early, and letting your personality shape it over time. Your voice won't be perfect when you get promoted. That's okay. Neither is your lead's. -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

It’s one of the most uncomfortable moments for advisors. A new prospect sits down, and before you’ve even had a chance to explain your process, they ask: “What’s your performance?” For many advisors, that question immediately creates tension. Do you redirect? Reframe? Defend? Disqualify? This episode breaks down how to handle one of the most common — and most misunderstood — questions in financial planning: how to respond when performance is the first thing a client cares about. James and Eden walk through the real mistake advisors make in these conversations — not the question itself, but how quickly we judge the client behind it. Because in many cases, performance isn’t the real question. It’s just the only question the client knows how to ask. You’ll learn how to identify the difference between a true “performance-only” client and someone who simply hasn’t yet seen the full value of planning. More importantly, you’ll learn a practical framework for responding: when to answer directly, when to go deeper, and how to earn the right to expand the conversation without creating defensiveness. The deeper takeaway is simple but powerful: great advisors don’t avoid hard questions — they answer them clearly, then guide clients toward better ones. If you’ve ever felt caught off guard by a performance question, or unsure how to balance investment conversations with planning value, this episode will give you the clarity and confidence to handle it the right way. Listen in to learn how to turn one of the most uncomfortable questions into one of your strongest opportunities to build trust. -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

Most advice sounds good in theory. Have clear priorities. Focus your time. Build great habits. Follow the process. But for many advisors — especially those early in their careers — the real challenge isn’t understanding the principles. It’s figuring out how to actually apply them in the middle of a busy, reactive, real-world schedule. This episode introduces a new dynamic to the Root Ready Podcast: a co-host who lives that reality every day. Eden joins the show to bring a perspective that’s often missing — the voice of the associate advisor working to bridge the gap between knowing what to do and actually doing it. And through that lens, this conversation explores one of the biggest challenges in advisor development: the gap between principle and implementation. From navigating competing priorities, to developing confidence without knowing everything, to learning how to move from associate to lead advisor, this episode gives an honest look at what growth actually feels like — not in theory, but in practice. It also surfaces a deeper truth about development: the best systems, frameworks, and ideas only work if they can be implemented in the real environments advisors operate in. And sometimes, the biggest breakthroughs come from questioning what sounds good — and refining it until it actually works. If you’re an advisor early in your career, or someone responsible for developing other advisors, this episode will challenge the way you think about growth, training, and what it really takes to become a high-performing advisor. Listen in to hear how great ideas get stress-tested — and how better advisors are built in the process. -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

Every advisor has felt it — a client comes in with a specific question, a pressing concern, or a tactical problem they want solved immediately. Roth conversions. Social Security. Investments. Insurance. And the instinct is to answer it. But what if answering the question first is exactly what leads to a worse outcome? This episode breaks down one of the most important frameworks in Root’s planning philosophy: why great financial planning isn’t about solving the presenting problem — it’s about following the right order of operations. The Sequoia System isn’t just a process. It’s a way to ensure that every recommendation is built on the right foundation, in the right sequence, for the right reasons.  James walks through how to explain this system to clients in a way that builds trust instead of friction — especially when clients want to jump straight to tactics. From defining purpose first, to structuring income, to designing portfolios, to layering in tax and protection strategies, this episode shows how each step becomes a constraint for the next — and why skipping ahead often leads to optimizing the wrong thing. The deeper lesson is one every advisor needs: tactics feel urgent, but strategy determines outcomes. And the best advisors know how to guide clients back to the process — without dismissing their concerns, and without losing momentum. If you want to run more structured meetings, create better client outcomes, and communicate your value more clearly, this episode gives you a repeatable framework for doing exactly that. Listen in to learn how to lead clients through complexity — and why the order of your process is one of your greatest advantages. -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

Most young advisors think authority comes later. After more designations. More gray hair. More years in the chair. But this episode makes a different case: authority is built long before you know everything — and it starts with how you communicate. James breaks down one of the most important skills an advisor can develop early in their career: how to speak with authority without sounding performative, rushed, or uncertain. This is not about pretending to have all the answers. It is about learning how tone, pace, pauses, sentence endings, and framing shape the way clients experience your confidence. From speaking low and slow, to avoiding uptalk, to using silence with intention, to framing answers in a way that shows depth before delivering advice, this episode gives practical tools advisors can apply immediately in client meetings. It also reframes the job itself: advisors are not just experts with information — they are professional communicators whose impact depends on whether clients can feel the clarity behind the advice. The deeper message is especially important for younger advisors: clients are not only listening to what you say. They are deciding whether to trust the way you say it. And that trust is often built or lost in the smallest communication habits. If you want to become a steadier, more trusted voice in client conversations — without feeling like you need to know everything first — this episode gives you a practical framework to build real authority now. Listen in to learn how better speech creates better trust, better conversations, and better advice. -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.

Most retirement portfolios start the same way. A risk tolerance questionnaire. A model allocation. A 60/40 or 70/30 portfolio. But that approach misses the most important question: how does the portfolio actually support a client’s retirement spending plan? In this episode, James walks through the framework Root Financial uses to design retiree portfolios — and more importantly, how advisors can explain that framework in a way clients truly understand. Instead of starting with percentages, the process begins with risk capacity. How much income must come from the portfolio? How long do bear markets historically last? And how can a portfolio be engineered to protect retirees from sequence-of-returns risk while still capturing long-term growth? The result is the Root Reserves framework: a clearly defined “stable bucket” designed to cover several years of portfolio withdrawals while the growth portion of the portfolio remains invested in equities. But the real lesson isn’t just about asset allocation. It’s about communication. Because even the best portfolio design won’t matter if clients don’t understand why it works. In this episode, James walks through the exact narrative advisors can use to explain Root Reserves to clients — from sequence-of-returns risk to the role bonds play in protecting the growth portion of the portfolio. If you want a clearer way to connect portfolio design to retirement income planning, this episode gives you both the framework and the language to do it. -- The individual featured in this episode is a professional contact of James Conole and is not a current or former client of Root Financial Partners. This individual was not compensated for their participation, and no material conflicts of interest exist in connection with this endorsement. Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.