0:00 Intro of Chris

1:24 Change in the finance industry

3:42 Fixed income in the index investing environment

6:00 Importance of good structure

7:30 Fee based vs consulting Fees-Lifting the hood on adviser compensation

9:30 Mouths to feed that go into your fees

10:34 Managed Money 

12:10 Large Firms- good intentions in the ivory tower vs what happens in the trenches

19:49 Relationship Change with children as they get older

26:30 Play date in 2020 vs trawling the neighborhood for friends in the 1980s.

28:55 Roadie with the Grateful Dead

32:22 Current market outlook with the lurking Corona Virus