4/24/25 Money Moves in the Machine Age: AI Tools Reshaping Our Financial World

The Moneywise Radio Show and Podcast Thursday, April 24th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www. MoneywiseGuys.com facebook: Moneywise_Wealth_Manageme instagram: MoneywiseWealthManagement

• 0:00Speaker 00

  From the padded radio room off Stockdale Highway, here is Money Wise. Call or text in at 661-396-1000.

• 0:09Speaker 01

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• 0:30Speaker 02

  Securities offered through SEF Securities, Inc., member FINRA/SIPC. Investment advisory services offered through SEF Investment Advisors, Inc., SEF Securities, Inc., and Money Wise Wealth Management are independently owned and operated.

• 0:40Speaker 00

  Now, let's start the Money Wise Show.

• 0:43Speaker 03

  That's right, this is the Money Wise Show. Welcome, welcome. We are live in the Gerro Ellis padded radio room off Stockdale Highway on ESPN, Bakersfield, 1230 a.m., 101.1 FM, and always streaming 24 hours a day, anytime you want. Tune in, click, find a topic, join us at MoneyWiseGuys.com. You guys are what make the show great. You guys are what bring the great questions, or probably if they're wondering around in your head, those questions, there's probably other listeners like you, so we welcome those questions. You can always join the show, send us a message, 661-396-1000,

• 1:25Speaker 03

  and you can actually do that 24 hours a day, and we will get to the message or the question the next day, which is, we have a great question that actually is going to kind of steer our whole conversation today a little bit, so looking forward to get into that. There's, I don't know if it's good news or bad news to announce this, but no guests today. We love our local guests, we love getting updates on local community stuff, but we are locked and loaded for a full show, folks. I'm your host, Chris Pellster, with...

• 1:54Speaker 00

  Seth Perry.

• 1:55Speaker 03

  Seth Perry, we're ready to, we don't do this a lot, you know, we don't get to do the show together a lot. I'm, I'm busy in the office and, and so sometimes I only get in here one day a week, maybe two, but, but usually only one. And, and so to not have a guest, which like I said, I love to have local guests and get updates on different things, but I'm excited to talk today about the markets. Um, I mean, it's kind of the same conversation. We'll go over that in just a second, but the question, let us, let us down a rabbit hole a little bit about technology and about how quick things are changing. And I mean, we've always talked about it. We've always mentioned it, but we want to take a little bit of a deep dive into some of the technologies and how they are changing the way that we do life, changing the way that we do business, changing even

• 2:37Speaker 03

  the way that we do, um, the radio show here in the studio. So, uh, you know, it, it's, it's crazy that some of these technologies are here. Um, you know, the joke is that we're now living in the George Jetson, you know, like you gotta get some of those, uh, you know, the little spaceship noise going over there, Steven. Um, but, uh, but anyways, so.

• 2:59Speaker 04

  The cleaning, the cleaning robot was one of them and, and I'm pretty sure some of those are either on the market or very close to being released. Not just the little iRobot vacuum, but like an actual maid.

• 3:09Speaker 03

  What about the assembly line type thing that like gets you out of bed and dresses you for the day? Is that, is that close?

• 3:16Speaker 04

  I hope.

• 3:17Speaker 03

  Yeah. Yeah. I mean, that's, that's, you know, uh, anyways, but we'll get into some of that more later. And I actually want to get an update from Mr. Steven about how his podcast is going. So we're gonna, we're gonna talk about that here in a second. But anyways, before we get going, we are going to talk a little bit about the markets. Um, it's, it's kind of more of the same. Uh, there, there is whiplash, you know, kind of back and forth with the markets doing what they're doing. We are on about a three day rally, correct?

• 3:45Speaker 04

  Yes, sir.

• 3:46Speaker 03

  I mean, the markets are moving in positive territory. Obviously we're not back up to some of the highs that we've hit previously, but you know, when you're, when you're talking about stock investing, you're talking about the stock markets. You know, there's always higher highs and then there's always the highs that you hit until you hit them again. And then there's the fear of, well, now we're at all time highs. And I remember like there would always be, oh, we're at all time highs, we're at all time highs and people get nervous. And it's like, well, that's, that's how it's always going to work because it's like, there's always going to be higher highs until there's not. And then we're going down to where, you know, so anyways, it, it, it's, uh, there's just a lot going on right now for people to digest. So hopefully we can break through the junk, we can break through the noise, talk about a little bit. The market, uh, S

• 4:29Speaker 03

  and P 500 is at 5,000 484, uh, up a 2% move on the day today. Uh, just, just huge. You know, the NASDAQ is at 17,000 166. It's 2.74% uh, positive move there. The dumb Dow, we call it, it's back up over 40,000, 40,093. Um, that's a 486 point, uh, point move there for the, the Dow, 1.2% up. Uh, normally we see a little bit of a divergence or, or, kind of the opposite with gold. Well, gold's up again today. It's at $3,359 an ounce. Um, that's almost a 2% move there on gold. And the VIX took a major dive, which we've

• 5:09Speaker 03

  talked about the VIX before. The VIX is volatility index. So, um, it, it seems volatile and we've kind of talked about this before, that sometimes it's hard to understand the VIX. But that is one of the things that kind of, uh, illustrates people's sentiment or people's concerns. Um, and it went down, which means, uh, things settle down. One of the big things out of the news, I won't dive too much into it, but, uh, Google jumps on earnings beat, dividend hike and a $70 billion buyback. Well, if companies start doing buybacks, what does that signal? It signals that they're pretty positive that things are going to turn and things are going to be heading back the right way. Right? So buybacks are always a sign of, you know,

• 5:52Speaker 03

  you know, all stocks understand there's going to be volatility, there's going to be times where it pulls back a little bit, even though Google's a great company. Uh, but when it gets to a level that Google themselves is even buying more of the stock or more, more of their own shares. It's kind of one of those indicators that people look at to go like, oh.

• 6:09Speaker 04

  So basically they're betting on themselves instead of keeping cash reserves, they're betting on themselves that they're that they're going up. Is that what you're saying?

• 6:16Speaker 03

  Yep. Yep. Buybacks are a big, big thing that people look at. Uh, cause I'll be, you know, and you would think that the company, well, why doesn't the company just buy all the shares? Well, it's like, you know, they have to manage cash flow and they have to manage all kinds of things. And if they buy too much of it and it pushes it way up higher, well, then they're not going to get very good growth on their stock price because they push the stock price up and they have to meet that growth. They have to meet that uh, price point that they're buying at. So it is one of those things, because sometimes a struggling company can do that to kind of be shady. Does that make sense?

• 6:49Speaker 04

  Yep.

• 6:50Speaker 03

  Like, hey, somebody's buying the heck out of these stocks. Oh, it's the own, the company's buying their own stocks. So, uh, it can be part of the, the, you know, you think Enron, think about some of these times where we've had, man, they're buying, they're buying a bunch of their own stock. They're really bullish on themselves. They must really be on to something. Well, they were just trying to keep things afloat until the bottom fell out. So gotta be careful, but.

• 7:12Speaker 04

  Uh, crypto is, it looks to be pretty flat year to date. Um, Bitcoin is trading at around ninety-three and a half thousand dollars. Um, and it's up about forty-five percent in one year, just to kind of, I know it's kind of a hot, hot topic, but it hasn't been as hot lately. People asking about cryptocurrency and this and that. So.

• 7:31Speaker 03

  Yeah.

• 7:32Speaker 04

  Interesting stuff, man, but crypto.

• 7:33Speaker 03

  I wonder if the tariffs will, uh, will impact crypto, you know, like getting the, the, the coins back and forth? From different.

• 7:42Speaker 04

  What do you mean?

• 7:45Speaker 03

  Well, they're coins, right?

• 7:48Speaker 04

  Yeah.

• 7:48Speaker 03

  And you have to move them around or?

• 7:51Speaker 04

  Yeah. Um, so that's how crypto works.

• 7:54Speaker 03

  Just kidding.

• 7:57Speaker 04

  Well, they used to, I mean, that was trading barter back in the day, not that long ago, right? Couple hundred years. Hey, you know what, Chris? I'm running a little low on my barley.

• 8:06Speaker 03

  Yeah.

• 8:07Speaker 04

  I have a goat. I have a goat right here. And it's trade, it's a trade system, man.

• 8:11Speaker 03

  Yep. Yeah. So we're definitely in a changing world. And again, the, the world of crypto is highly speculative and, and very volatile and, uh, you know, kind of explain it as the wild, wild west. In, in the reality, we're in this major shift right now. We're going to talk a little bit about technology. There's so many things that you can almost consider the wild, wild west. And, and our tendency is to only want to get involved or, or to think that we have to like, jump in on some stock and this is how I'm gonna, you know, like, hey, how do I get AI stock? Or how do I get this or that? Um, cryptocurrency is a little different. We're going back into the discussion on technology and, and, and those kinds of things. Um, one of the things that I've always tried to remind folks, um, when actually before we get into that,

• 8:56Speaker 03

  why don't we go into the question that the listener brought and we'll, we'll continue our conversation there in technology? Cause I think we have a lot to cover here and to go over. And I'd love to hear from listeners as far as what some of these technologies, what are they implementing or what have they started to use? Has it been, uh, better than they thought, worse than they thought, you know? Don't believe the hype because of this or that. I've had some things recently that, that, you know, I've started to implement in my career, uh, workday and, and, and it's amazing. So we'd love to hear from you and maybe what your sector or where you're working, what you're doing. Uh, but we did have a question come in that kind of stirred on this conversation. Um, because there's just amazing things going on. There was a listener that sent in,

• 9:41Speaker 03

  "I've been waiting to hear more about these 3D homes and in the future, how much cheaper they'll be over a regular home. Maybe I'll get my Barbie dream home after all."

• 9:51Speaker 04

  Steven, did you, Steven, be honest.

• 9:53Speaker 03

  Steven.

• 9:54Speaker 04

  I've already got mine. Did you send that?

• 9:55Speaker 03

  No. So, well, no.

• 9:59Speaker 00

  It is actually something that Chad got into with Frank the other day about how they've already started with a lot of these 3D homes.

• 10:09Speaker 03

  If this is the case, though, I'm gonna get He-Man's cave or whatever built. You can get a 3D printer.

• 10:15Speaker 00

  Grade school?

• 10:16Speaker 03

  Yeah, I'm gonna get that.

• 10:16Speaker 00

  Grade school?

• 10:17Speaker 03

  Yeah.

• 10:17Speaker 00

  Yes.

• 10:18Speaker 03

  I'm gonna get it built.

• 10:19Speaker 04

  Okay, okay, let's actually turn the mics off, okay? All right, we're gonna talk offline, but this is a great idea. This is a wonderful idea that we could all come up with. You know, think of all these fictional homes, the Full House.

• 10:30Speaker 03

  Yeah.

• 10:31Speaker 04

  You could generate Full House, or maybe Kevin's, uh, Kevin's house on Home Alone? 3D printed?

• 10:39Speaker 03

  Yeah, so apologies to the wonderful person that chose to send in this message, because we derailed it for a split second. But we're gonna bring it back and we're gonna talk about this, because there is some amazing technologies going on. There's 3D printed homes, and then there's even the world of using these 3D printer machines that are doing concrete homes. And it's like a big grid, and it's just pouring concrete. So, but 3D printed homes are actually using, they're not using like a concrete material, they're using like a plastic material. Do you know what?

• 11:13Speaker 04

  Yeah, it's like recycled plastics and, and, uh, and then they just pour it through with a resin. So if you think about it, if you leave a piece of plastic and resin in the sun, how long is it gonna last? I don't know, but it's probably gonna be pretty darn durable. And yeah, it's just literally, uh, maybe, maybe Steven, you can throw out a video on, on one of these, on how it works. But it's just, it takes about 15 days for it to construct this house. And when they first started, they were just making little, little tiny figurines, you know? I remember when I worked at Halliburton, we had a little sand model made, and I know it was, it was generated this way, right? 3D printer. Now they're building houses. It makes you think, what's next? Right, can they do high-rise buildings with this?

• 11:51Speaker 03

  Well, and even just say that, you said 15 days. Now, these aren't, these aren't maybe the largest humongous homes, but they are livable spaces, homes, smaller homes. You know, I mean, I would say.

• 12:04Speaker 04

  A little above a tiny home.

• 12:05Speaker 03

  Yes, a little bit above a tiny home.

• 12:07Speaker 04

  A hundred square feet.

• 12:08Speaker 03

  And, uh, and the crazy thing is, is now there might be some things that still have to be, um... baked into this number, but there's a, a, a Southern California company called Azure Printed Homes. They developed a 3D printing process and the cost is $35,000.

• 12:27Speaker 04

  35 gur.

• 12:28Speaker 03

  So when everybody's sitting here right now, talking about a little bit higher interest rates and how are people going to get into the housing market and all these different things. Now, I don't know how this is going to play into codes and how, how they're going to develop a, a neighborhood with this and using this. And there's still so much to be worked out, but man, that's pretty cool to think that there could be some option of a super affordable, really nice, smaller home for somebody to get started and, and you'd, you'd own real estate, you know, and you'd get into that. And, uh, and then even, you know, I mean, gosh, you could even become an investor. You could build them and, and rent them out possibly. I mean, there's just all kinds of things that can go through with

• 13:08Speaker 03

  this. Again, constructed of recycled materials. So the problem with plastic and water bottles and food containers and all these different things.

• 13:16Speaker 04

  It would solve, help solve that big problem.

• 13:17Speaker 03

  Help solve that problem. I bet there's some rivers in some other countries that I've seen before that they could, they could clean out.

• 13:24Speaker 04

  Strain it and then build housing for their.

• 13:26Speaker 03

  For their communities.

• 13:27Speaker 04

  For their communities.

• 13:28Speaker 03

  So you think about some of these opportunities when, when it's so easy to get overwhelmed and, and the cost of things going up and you don't realize how technologies start to come along. And I guarantee you, I forget what the concept is called, but this has always been the case. There's these big issues that are built out of technology, the technologies of old, and it creates these bottleneck issues. And all of a sudden, new technologies come along that solve a lot of the problems. And, uh, I don't think, I don't think, uh, life on this earth is ever going to be perfect or all the problems and all the things are going to be perfect. Um, and, uh, but it is one of those things that I think technology's going to continue to, to, to guide and, and to, to create some solutions like this. Like,

• 14:12Speaker 03

  I mean, thinking about my own daughters, you know, who are starting out their lives and, you know, a starter home being 450 or $500,000 to whereas instead, if there was an option where they could get into a nice. Safe, good home where it's half as much or even less possibly because you have to account for the land and some of the different development that goes into that. So that's what I mean to say. It's not a $35,000 house unless you already own land, maybe, but some cool options moving forward. So

• 14:40Speaker 04

  And it's very early on. They don't even have building codes yet for some of these 3D, 3D printed homes. And it does, while it's cool and amazing, might save some money, might be fast. You got to think, what about the, the construction crews that would have come out and worked on this? So there's always, you know, kind of, kind of two sides to, to everything, right? Uh, but then it creates new engineering jobs for the guys that have to work on that. That's

• 15:05Speaker 03

  Yeah, the method allows, uh, homes to be constructed 70% faster and 30% more cost effective than any other current conventional techniques. Uh, the innovation could spell trouble for California's construction industry. So, um, you know, just like the same thing we always joke about that when the car came out, you know, the people that were in the horse and buggy trade, it turned their worlds upside down. And sometimes that kind of thing happens. Um, and I don't know where those jobs will be replaced by, but, but you know, you're hoping that a, a robust economy continues to move forward, innovate, create opportunities for some folks and investors in creating these technologies. And you're hoping that, that everybody can kind of participate and move along.

• 15:49Speaker 03

  So we're going to take a quick break. When we get back, we're going to continue this conversation, though, just talking a little bit more about some of these newer technologies or some different things that have, have, you know, we, I remember talking about on the show five years ago, and now they're really starting to come into play and being used, uh, and some things you can consider even as an investor in how to participate. Stick around.

• 16:08Speaker 00

  Are you curious to learn more about how you can be money wise? Check out the money wise website at moneywiseguys.com to get more info about what we do.

• 16:21Speaker 03

  Disability. Yeah, so if you're not catching the intro, little comeback music here. We're talking about 3D printed homes. We might be able to get really, really creative. Kids or homes that were in movies or sitcoms we could have built possibly. And then we had a listener say what?

• 16:43Speaker 04

  Yeah, he said, oh, man, I lost it here. Oh, here we go. It says, I want a bat cave. I mean, really?

• 16:51Speaker 03

  So there you go. There you go. Yeah, there's all kinds of things you could do. I imagine HOAs would have to get really specific now about like, not just paint color, but.

• 17:00Speaker 04

  You're driving down this beautiful street and you see a bat cave.

• 17:05Speaker 03

  I love it.

• 17:05Speaker 04

  That's cool. That's cool.

• 17:07Speaker 03

  Well, anyway, so I kind of wanted to continue this conversation. We talked a little bit about, you know, 3D printed homes and how crazy that is. And like you said, there's not even, you know, legislation, not legislation, but what would be the right regulations, right? For like how this works. A lot of the homes that are doing this 3D printed houses, they are using concrete. And so, you know, there's, there's specifications on what the concrete needs to be like. There's all kinds of things that has to be put in place, but we're just at the beginning stage of this. And it's very, very like, if it even remotely looks like it's going to be cheaper. Is it gets bigger and more technology is, you know, research and development is put into this, then it's just going to get better and better and cheaper and cheaper.

• 17:52Speaker 04

  You could literally imagine like entire cities at one point being built in, in days. Like if you, if you can think that big, which in our lifetime, that could happen.

• 18:02Speaker 03

  Have you ever looked back, though? Somebody, there's a comedy bit on, how long it took to build the Empire State Building or something like that?

• 18:11Speaker 04

  I don't know.

• 18:12Speaker 03

  You gotta look it up. Because the funny thing was, is he said, he said, I don't know what they were doing back in the twenties or whenever this was built. But he goes, he goes, my kitchen's been under construction for 13 months. And he's like.

• 18:27Speaker 04

  A year and forty-five days?

• 18:29Speaker 03

  Did you hear that? Did you just hear? The Empire State Building?

• 18:32Speaker 04

  The Empire State Building. I wonder if it's because they didn't have maybe the regulations? I don't know. I don't know.

• 18:39Speaker 03

  Yeah, I mean, a lot of people died, but that's impressive.

• 18:42Speaker 04

  Yeah, I mean, they weren't, they weren't tied off at, you know, thousands of feet.

• 18:46Speaker 03

  I don't know. I don't know. I mean, but it is, it's mind boggling to think that the, the, you know, and that was his joke is that, you know, my, my kitchen has been under construction for longer than that. So. Uh, anyways, long story short, uh. Um, the thing we were gonna go into though is, uh, I saw a thing the other day too that like just blew my mind because Amazon, uh, a lot of times they use their own little vans. You see them driving around. They use, you know, the other postal services as well, but they have their own vans and I was seeing this that they've implemented an AI-powered. They call it the Automated Vehicle Inspection System. So basically every single time a delivery van re- returns back to the, uh, the, the yard or whatever from their route, this technology uses,

• 19:30Speaker 03

  uh, utilizes high-resolution cameras and sensors to detect issues such as tire deformity, undercarriage wear, and body damage. The goal is to identify, address potential problems before they become safety risks, ensuring the vehicles remain in optimal condition. So I mean, imagine, you know, like the days of, oops, I backed up into a curb and you just kind of slide it back in, into the old, into the old mix.

• 19:57Speaker 05

  In nineteen thirty, the Empire State Building started construction. It took one year to build this place. It took two years to remodel my kitchen. What the hell happened with construction over the last ninety years?

• 20:17Speaker 03

  Yeah, that guy's funny, man. That guy is hilarious.

• 20:21Speaker 00

  Have you seen him on, um, he has a, oh man, of course, I'm gonna blank it, but he has a, um, hust- it's a hustler or, no, bookies. He's got a show called Bookies. It is hilarious.

• 20:33Speaker 03

  Oh, it's a sitcom? Cause he was in a movie recently too.

• 20:36Speaker 00

  Yeah, he's in a lot of stuff, but he's got a new show called Bookies and it's pretty funny.

• 20:41Speaker 03

  I don't know what kinda, what kinda comedy it's called, but it's, he, it's very active and like he jumps around and, and I remember, I remember the, the first bit that like caught my attention with him. He was talking about how back when, when he was young or whatever, or when his parents were young and somebody would show up at the door. It was like the, the, everybody lit up and was so excited.

• 20:59Speaker 00

  Oh, yeah.

• 21:00Speaker 03

  And then he talks about nowadays.

• 21:01Speaker 00

  I'll get it.

• 21:02Speaker 03

  Yeah, I'll get it. You know, we have guests, everybody, you know, and then he was talking about it now. He's like, if my, if somebody rings my doorbell, he's like, everybody in my home splits. Everybody dives behind the couch. Nobody wants to see anything. So, uh, or, or be interrupted or whatever. So just kinda funny about how a little bit of the culture's changed.

• 21:21Speaker 00

  Very true.

• 21:22Speaker 04

  And speaking of newer things, Stephen, uh, if you wouldn't mind, man, I was thinking about you earlier. I was actually listening to you this morning as I was working and on my commute to work. Can you give us an update on your show, man?

• 21:31Speaker 00

  Yeah, we have a, a local morning show from seven to nine AM right here on this same station. It's called the Early Bird Special. We talk, you know, everything sports, entertainment, a little bit of everything.

• 21:42Speaker 04

  Very cool. And you have two, two other guys on there?

• 21:45Speaker 00

  It's me and a buddy of mine named Berdick.

• 21:47Speaker 03

  So if, uh, people are gonna be doing that fantasy stuff, they can listen to your show and they can outsmart all their, all their friends.

• 21:54Speaker 00

  Oh, yes. Will definitely help out. We also have a, a, I would go back to a bookie, a handicapper that joins us every Friday called Bolt Brady. He's, uh, one of the top five handicappers in the state of California. He's, he's really good.

• 22:09Speaker 04

  Is that a golfer? I'm, I'm part of my.

• 22:10Speaker 00

  Handicapper. He, he takes care of all sports betting. He's the guy.

• 22:14Speaker 04

  Okay.

• 22:14Speaker 03

  Sweet.

• 22:15Speaker 04

  Very cool, man.

• 22:16Speaker 03

  Sweet.

• 22:16Speaker 00

  Which don't spend your money on betting, but if you play fantasy sports, he's the guy to know.

• 22:22Speaker 03

  Yeah, there you go. Yeah, thanks, Steven. You do an awesome job for us, and I'm sure that's gonna be awesome, too, for people that are-

• 22:29Speaker 04

  Somebody flipping through the dial just now. Oh, MoneyWise.

• 22:33Speaker 03

  There you go. There you go. So, uh, so yeah, you know, we were talking a little bit about the Amazon scanning, you know, tent or whatever that these cars are driving through. I guess they're starting to expand them to a lot of their different, uh, facilities. So again, the, the Amazon van literally pulls in. They can know immediately if there's a tire deformity. Uh, they'd probably be able to tell if a tire was flat, right? So they're trying to be, I'm sure it's safety related, but it's also if somebody hit something or whatever, then they know exactly which driver did it. Um, I don't know how you'd get away with anything anymore. I'm sure there's cameras all over those, uh, vans and different things. So, um, the thing that that was gonna lead into, though, was just talking about technology and, you know, like, there's a lot of polarization and discussion right now about Tesla because of Elon Musk and

• 23:18Speaker 03

  everything, but you can't take away from the amazing fact of the cars and what they're doing. Um, and, and it would have been a thing of science fiction, you know, 15 years ago, 10 years ago, and, and here we are now that you have these cars that are literally self-driving. And, uh, you know, the, the technology is crazy. So like, if you remove the political and kind of the polarized talk right now about Elon Musk and everything and just step back, it's, it's pretty amazing that some of this technology is coming into place. We talked a little bit about that they're getting closer to, um, even being allowed to, uh, you know, like, you can sign up your car if you own a Tesla to be part of the taxi fleet. They're starting that process. They're running pilot programs.

• 24:02Speaker 04

  Driverless.

• 24:03Speaker 03

  Driverless.

• 24:03Speaker 04

  That's crazy, dude.

• 24:04Speaker 03

  Yeah, which, which, I don't know if you knew this or not, but Waymo is a, is a car company that's already doing that now.

• 24:10Speaker 04

  Is that the one that looks like they have a blender on top of it?

• 24:13Speaker 03

  Yeah, yep. Yeah, it's a blender. It's like this spinning thing. And I don't know if they do that for effect to make people feel safer, because then it looks much more like a driverless car. I'm not completely sure, but they have a, a camera system. And I'm not techie enough to tell you the big difference between the two systems. Some people think that Tesla is going to be way better eventually because of the cameras that they use or how they work compared to Waymos. But Waymo, it's a Jaguar SUV and it has cameras all around it. And literally, just like an Uber, you call Waymo to you, it pulls up, there's nobody inside of it. That thing, that blender you joked about, has your name on the top of the roof that says, you know,

• 24:57Speaker 03

  Chris Pelster or whatever, you know, that your car's here. You jump in the backseat, you can even jump in the front seat and nobody's in the driver's seat.

• 25:05Speaker 04

  Does it have a gas pedal or a brake?

• 25:07Speaker 03

  Yeah, it's a regular Jaguar car. I don't, I think it would still work like a car because I think in certain situations, you can literally maybe manually override it possibly.

• 25:19Speaker 04

  Yeah.

• 25:20Speaker 03

  I do know that like, there's been situations, there's pretty funny videos like in San Francisco, because it's pilot program, San Francisco, Scottsdale, I think Texas has one. And there's these times where there's a hilarious one in San Francisco where, you know, the streets are kind of small.

• 25:37Speaker 04

  Yeah, yeah.

• 25:38Speaker 03

  So there's like an Amazon, there's like an Amazon van parked in the street. And so there's like four Waymos that are all stuck, not knowing how to get around this van. And they're all just sitting there. And the person's video is hilarious because it's like, I've always wanted to see this. Here we are at a Waymo showdown, you know, like, what are these, what are these cars gonna do? You know? And it's hilarious.

• 26:01Speaker 04

  You see that even across the street? I take my boys through and we go play over at Cal State a lot and they have the food delivery robots.

• 26:09Speaker 03

  Yeah.

• 26:09Speaker 04

  And sometimes we'll just stand in front of them, not to be mean, but just to kind of see how they react. And they just kind of stop and then they like think, you know?

• 26:18Speaker 03

  You're gonna, you're gonna get beat up.

• 26:19Speaker 04

  Yes, by a robot, run over by a little robot.

• 26:22Speaker 03

  There's somebody in their bedroom up here watching their pizza on their way.

• 26:26Speaker 04

  Tell me about it, right?

• 26:27Speaker 03

  And you're holding it up.

• 26:28Speaker 04

  Those are my curly fries, dude, get out of the way.

• 26:30Speaker 00

  We've uh, we've seen those at Winco where they have the, the cleaner, it'll come up and mop and it'll go through each aisle.

• 26:37Speaker 03

  What?

• 26:37Speaker 00

  And yeah, it's.

• 26:39Speaker 03

  Yeah, it's all driverless.

• 26:40Speaker 00

  Creepy, yeah.

• 26:41Speaker 03

  Yeah.

• 26:41Speaker 00

  No, we've seen the uh, the Waymo. There's another video of a guy that took a Waymo and it has like a circle, almost like our Garza's circle. And it just kept going in a circle and he's like.

• 26:51Speaker 03

  Having to call.

• 26:52Speaker 00

  Make it stop.

• 26:52Speaker 03

  Yeah, I think, I think you can call, like, there's maybe a number on there or something and then, and then I think somebody can manually take over it. Possibly like, almost like a remote control car.

• 27:02Speaker 00

  So I always worry about that. So if someone can randomly take over it, these dark web nerds. Like they could randomly take over this car and make it go crazy, right?

• 27:11Speaker 03

  Yeah, you know, so those, those old videos.

• 27:14Speaker 00

  Just like that. He had, he had his finger by the button.

• 27:19Speaker 03

  Yeah, that's funny. But yeah, so Tesla and Waymo, I mean, it's just mind boggling. Uh, you know, the, the technology and, and you know, full transparency, me and my wife uh, bought a Tesla a while ago. And uh, no, no real major reasons other than just kind of amazing technology and stuff and. You know, one of the funniest things I did right off the bat, just talking about technology was. Like when I finally was able to, to, to get uh, self-driving, cause you can pay a little bit per month. And so I picked my dad up and I put on like classic rock, like from the sixties and seventies, you know? And I told dad, I told my dad, I'm gonna take him to lunch and I'm not gonna touch the steering wheel. And he's like, what?

• 28:00Speaker 03

  And I go, yeah. So I turn up, you know, like music that he would have been listening to in like an old Camaro. You know, with an eight-track in it or whatever. And like, here we are now streaming this music. Through the air to the car. And literally punched in where we wanted to go to lunch and I didn't touch the steering wheel one time and it drove us there. And it is.

• 28:18Speaker 00

  That was here in town in your car.

• 28:21Speaker 03

  Oh, yeah.

• 28:21Speaker 00

  I am behind the stinking times.

• 28:23Speaker 03

  Oh, yeah. Full self-driving. Matter of fact, the first time I did it was, uh, you know, um, throw some kudos out to my Rotary group. We were doing our fundraiser up at Garsis and I just had bought full self-driving. And I said, I'm gonna test it. So I put Garsis High School.

• 28:36Speaker 04

  Is it like an add-on to your, uh, subscription or whatever?

• 28:39Speaker 03

  You can pay for it all upfront at once, or you pay per month.

• 28:42Speaker 04

  Got it.

• 28:43Speaker 03

  So eventually you'll pay more if you pay monthly than paying for it upfront, but you may not want to pay for it forever. So, I mean, it was pricey. It was like 10 to 15 grand. But there were some different things that you got and different packages they did. Obviously, right now, there's probably a, uh, they're probably gonna start giving some of those tools away because it's an easy, uh...

• 29:02Speaker 04

  A little discount?

• 29:02Speaker 03

  Yeah, a little discount on some of the things going on right now.

• 29:05Speaker 04

  Well, I think Tesla, I mean, that's part of what sparked this conversation is they are allowing, or they're to try, I think to try to get rid of some of their inventory. They're, uh, test piloting this, and so you can use it as a side hustle. So you could be at work, and your car could leave and go Uber people and then come back and pick you up. Is that right?

• 29:25Speaker 03

  Yeah, so I don't know how Waymo's getting away with it, or what they've done to get the green light. Tesla still does, when it's full, even full self-driving, it's crazy because you actually have to be paying more attention if you're full self-driving. And I know that sounds weird, but it knows whether or not you're looking forward. It knows if you have a phone in your hand, which some people are like, oh, big brother stuff, but it's, it actually makes you a safer driver because even on full self-drive, if you start staring at your phone, it's gonna say, it's gonna beep at you and it's gonna tell you to put, you know, put your eyes back on the road. And so I kinda joked to people, I'm like, it's kind of annoying that I actually have to be a better driver if I have it in self-driving. Now, the thing I love is if I'm going down to LA and there's just like a lot of long, straight, it's like

• 30:10Speaker 03

  you, you don't have to pay attention a whole lot, you know? Like, you have to keep your eyes on the road, forward, you know, you can't sleep, like some people show these videos of, and I don't know how they get away with that, but it knows whether or not you're looking at the, at the road, but they're, they're, they're trying to transition into getting the, the license to be able to do full self-driving driverless.

• 30:29Speaker 04

  Yeah.

• 30:30Speaker 03

  Which you can kinda do that right now. You do summon, which means you can hold a button down and your car will drive from a parking spot over to you and pick you up.

• 30:39Speaker 04

  Dude.

• 30:41Speaker 04

  My mind is literally spinning right now. I didn't know these things.

• 30:44Speaker 03

  Yeah. Yeah, it's here. That's what I mean to say. Like, you know, we talked about this stuff five years ago on the show and like literally now it's here and it's doing it. It's weird right now because it's like you talk about Tesla and there's almost like a political thing to it, but it's stinking amazing, dude. Like, that's what I was tripping out on when I took my dad for the drive because I'm like, here he was in an old Camaro, you know, probably no air conditioning, very rudimentary, you know, steering, no, probably maybe not even power. I mean, I don't know, you know, like just old, old school technology and there, there's actually something really cool about that. Obviously, I come from a Mopar loving family and old rock, you know, classic rock cars. It's awesome, but it's just crazy to see how the technology's

• 31:28Speaker 03

  actually gone. And many people would say that would have never been done. I know the joke for Gero is he's still holding out for his, uh, what's the company where he's gonna buy a flying car from?

• 31:38Speaker 04

  Yeah, I don't remember what it's called, but we've watched it over the years.

• 31:41Speaker 03

  Yeah, which, I mean, that's even getting close because they're, they're doing the quadcopter type things where it's, you know, that's getting close, like literally personal flight and travel.

• 31:52Speaker 04

  Yeah, our minds think of a car like with wings floating through the air, but it's probably gonna be more of a drone like.

• 31:58Speaker 03

  It is. Yeah, they already have them. They're, they're, they're strong enough. I mean, uh, I'm gonna have to wait till horsepower gets ramped up a little bit to carry me probably because right now.

• 32:07Speaker 04

  Well, you can get two. I mean, you can have like, like one can assist the other one, you know?

• 32:13Speaker 03

  Cable system. I have to have two quadcopters. I can't afford one, dude. I can't get two, but I imagine all the test pilots right now are in the range of a hundred pounds. So, so yeah, we got some work to do, but.

• 32:26Speaker 04

  So we talked off the air and you made, you made a really good point. A lot of people will ask, hey, I want in, I want in on AI. What's the latest, uh, what's the latest and greatest company that's, that's on the forefront of AI technology? And you made a great point.

• 32:40Speaker 03

  Yeah. Well, we haven't even talked about AI because that's going to lead into this. Do we need to take a break, Stephen? No, we'll skip that one. Skip that one? Okay. So, uh, so this was all leading into some technologies and it's going to lead into AI and, and artificial intelligence, chat GPT, you know, maybe you're hearing this, maybe you're sick about hearing about it. Uh, and I'll tell you what, for, for a while I've been completely sick of it because you, you learn about these technologies and you get introduced to it and then you're like, for a while it's annoying. And the five or six people that know how to use it, I don't know if they do it on purpose, but they just wear you out where you're like, this is annoying. But then little by little, you start to see some of the capabilities that this technology has.

• 33:23Speaker 03

  The, the reason why I mentioned what we talked about off air was how do you participate? Because people, what's an AI stock I can invest in? Well, here's the deal. There's AI stocks that you can invest in that that's, that's 100% their company. The reality is though, is which AI company is going to make it? Which AI company is going to be profitable? Which AI, you know, is going to blow up? It's hard to know. So instead of trying to pick the AI company, here's what I want you to consider. This crazy technology, who is going to best implement this technology and use it? That is going to make their company run better, run smoother, do a better job servicing their clients and whatever field that they do.

• 34:06Speaker 03

  All these companies that you're investing in inside of your account, and this is what I tell people, like there's scary things about the future and about the government and about all these things, but at the same time, how are these companies going to keep going up and up and up? Well, AI is one of those things. Yep. Because now we have access to a technology that super simplifies complex processes. Even our radio show, when we talked about how, how has AI impacted you? So we'll, full disclosure here, a little bit of insight into the world of, of the Money Wise show that's been around for 20 years now in our community. And the podcast, you know, since podcast has been around, we've been putting it out there, but.

• 34:46Speaker 03

  We, we sit down and we look at headlines and we research articles and we would go to this article and we'd go to that article and we'd, we'd get six different articles and chew through some different topics and try to put together topics that, that we think would impact our listeners and help our listeners be smarter and better with their money and be in a better financial situation, whether they're a money wise client or not, right? Let's help everybody we can become money wise and be better with their money and be better prepared for their future. Well, that used to take, say 20 or, well, I mean, at the beginning it takes longer and then you get good at it, maybe we whittled it down to 30 minutes. Well, now with chat GPT, I don't have to go to seven different articles.

• 35:31Speaker 03

  I top, I type in a very specific question of what I want to talk to my clients about or what I want to talk to the listeners about. It combs through all those websites.

• 35:41Speaker 04

  In seconds.

• 35:42Speaker 03

  In split seconds and puts together an organized response and you can get as creative as say, explain this to me like I'm a fifth grader.

• 35:53Speaker 04

  Yeah.

• 35:53Speaker 03

  And it will talk to you like you're a fifth grader, which sometimes I need.

• 35:58Speaker 04

  Yeah.

• 35:58Speaker 03

  Sometimes we need, right? I mean, so, so it, it's crazy, the way that, that, cause you go, well, what's different than the internet? This is just like the internet. It's like I'm searching the internet. Well, it's like the internet, as fast and crazy as that was compared to the Dewey decimal system.

• 36:15Speaker 04

  Pulling books off a shelf in a library.

• 36:16Speaker 03

  Going, getting a book out of this, I mean, amazing the internet was. When you first heard about the internet, it was kind of weird. You're like, how does this work? Like, whoa, this is weird, especially when you had to wait for the dial up noise and

• 36:30Speaker 03

  mom, get off the phone. I want to use the AOL. Uh, but you know, you, you go from that to now, now it's taken out even the rough edges of having to go to three or four different websites. Because it was always my frustration when I'm working with clients and I'm having to do research for them. Um, you know, and I'm going through different websites. Sometimes you can find a bunch of information, but not really the exact information you need for your client's situation, or even for a topic for the radio show that we want to talk about. Lo and behold, what does ChatGPT do? It can give you very specific details on certain things, and then you can kind of tweak it. You can say, "Well, what about this?"

• 37:12Speaker 04

  Yeah.

• 37:12Speaker 03

  When it gives you an answer, and then it will even give you suggestions.

• 37:15Speaker 04

  So yesterday, I actually used it. Uh, one of the things in the Perry house, you know, is, is cleanliness, tidiness. We're just so busy. We're not slobs, but things can get messy kind of quickly. We didn't really have a plan, right? And so I, I, I gave ChatGPT all of our names, all of our ages, what we can all do, and the time we get home from work, and our availability on Saturday. It took maybe, and I was using a text to type, so it took maybe two minutes to put the information into GPT. And I said, "Make me, uh, make me a house cleaning plan with, with an incentive package for the boys," right? And so within seconds, boom.

• 37:51Speaker 03

  And you told them their, their ages?

• 37:53Speaker 04

  Ages, names, and, and like I said, Beckham can fold towels, you know, uh, Hallie can unload the dishwasher, right? So it knew specific things we, and then I said, "All three of us, you know, can do the floors," or whatever. And it created a full-on plan.

• 38:07Speaker 03

  Include foot massages for dad.

• 38:09Speaker 04

  Yes, exactly.

• 38:11Speaker 03

  Right?

• 38:14Speaker 03

  Oh, self. I mean, I hate to share memes over a podcast, but I saw one today that says, uh, it's a dude sitting on the couch and his wife's cleaning the house, working real hard, and it says, "I just can't sit here and watch my wife clean the house." And so he gets up and closes the door.

• 38:32Speaker 04

  That's funny.

• 38:35Speaker 04

  Are you, are you a dish guy? Do you do dishes at your house, Chris? Be honest.

• 38:38Speaker 03

  No.

• 38:39Speaker 04

  That's like, I'm really good at that. My wife cooks amazing stuff. I'll do the dishes.

• 38:43Speaker 03

  Yeah, I should do the dishes, but my wife.

• 38:47Speaker 03

  No joke, gets like, she stands there and it's like therapeutic for her, honestly. And I take advantage of that probably way too often. But, but she does and, and, and, you know, I'm one of those guys that I need my butt kicked a little bit. I need, I need to kind of be told what to do and that's pathetic, but definitely get better at that. But that's, that's another example of how AI can, can start. Cause again, so could you have instead gone to the internet and gone?

• 39:14Speaker 04

  I'd have to sift through articles, but nothing would have taken it to that.

• 39:17Speaker 03

  You'd probably find a couple of people who have put together great websites and articles. And you'd have to kind of look through it, try to make it your own and this and that. But instead with a simple question and maybe a little tweaking, it spits out a really great plan for you.

• 39:33Speaker 04

  It spit out the plan and then I got to thinking, I said, well, I want to like, maybe the boys could do like a sticker chart or something. So I said, can you generate me a chart? That, that didn't turn out so good. But anyway, then it made like an incentive plan for me, which is cool. One thing I wanted to share, the number of companies using AI in 2025, so 40% of companies worldwide. This is the whole planet. 82% of businesses are either using or exploring AI. However, 99% of Fortune 500 companies use AI today. So back to prove your point, instead of trying to find the, the next home run, you know, but just by investing in the S and P 500.

• 40:12Speaker 03

  Yeah.

• 40:13Speaker 04

  You're participating in AI.

• 40:14Speaker 03

  Yeah. And, and you know, I think sometimes we have a tendency to think like, oh, this is the boring way of investing is just, you know, putting it in an index or having a large cap mutual fund that, that has, you know, 300 of these companies or 200 of these companies, but it's like, yes, I get it. It seems boring or it seems cookie cutter, but it's like you, you're spreading out your risk amongst hundreds of different companies. They are trying to implement these technologies to simplify their processes, uh, become more efficient, which ultimately should create more profitability, maybe more ability to scale. So a small company can become a big company.

• 40:56Speaker 03

  Where you do hit the home runs. So small cap stocks, if they're implementing chat GPT or using some of these AI tools. And you know, note taking tools and some of these different things that are all different industries are starting to have them. I was seeing one that was like for going out and giving quotes, you know, like say you're a plumber. And there's this note taking tool that they use where they walk around with their camera and talk. And every time they take a picture, it literally puts it right into a quote. And has all the breakdowns of every single thing that you say is needed for that job. And then it organizes all the pictures up top. And when you took the picture, it'll put a little notation, picture four B.

• 41:37Speaker 03

  And you go up to the top and you look at picture four B and that's exactly where you were when you, I mean, mind boggling.

• 41:42Speaker 04

  That makes me think of all of our local, small business owners, right? If you're resistant to the AI move, like I just, we strongly encourage you to start to explore.

• 41:51Speaker 03

  Right.

• 41:52Speaker 04

  You know, for that, for that exact reason, maybe it's.

• 41:53Speaker 03

  What business owners do you know that aren't pulling out their hair right now with all the responsibilities, wearing all the hats, doing all the things? And then throw on top of that regulations and especially doing business in California and all these things that we've been hearing. Now, don't get me wrong, maybe some people are super pumped up on Trump and some of the things that he might do. And maybe there is going to be a change in this state. Possibly that are going to make some things better, but don't discount technology. Don't discount the fact that, that even if you're pulling your hair out in your business and you're having to do the, the work of three people and you can't find good people. Technology might be able to take some of that place. And guess what? Technology doesn't get sick.

• 42:34Speaker 03

  Technology doesn't cost, you know, I mean, there is some investment you have to make in it, but there's some real great things you can play.

• 42:41Speaker 04

  Technology can't sue you.

• 42:42Speaker 03

  That's what I mean. I mean, there's, there's all kinds of things, but when we do come back, we might want to talk a little bit about security and AI and, and sometimes people can kind of, you know, get nervous about that and different things. And it is something to consider because you're throwing out information to the wild, wild west. And, and so we'll talk a little bit about that when we come back. Stick around.

• 43:02Speaker 00

  Are you nearing retirement and currently working with a financial advisor? Are you not sure if you're invested appropriately? Call our offices at 661-847-1000 to sit down with a Money Wise financial advisor.

• 43:22Speaker 03

  There you go. I honestly thought at first it was, uh, Miss Barney Rubble and...

• 43:29Speaker 04

  Uh, Flintstones.

• 43:30Speaker 03

  The Flintstones. I was like, wrong, wrong era, wrong era, Steven.

• 43:34Speaker 04

  Same era. Same era of cartoons.

• 43:37Speaker 03

  Same era of cartoons.

• 43:38Speaker 04

  Saturday morning cartoons.

• 43:39Speaker 03

  I'm into technology.

• 43:40Speaker 04

  Big bowl of cereal all day.

• 43:43Speaker 03

  Yep. Well, there you go. Yeah, we're finishing up a conversation about technology and some of these different things and, and AI and, and more specifically right now, ChatGPT. And some of the ways that it's changed things in a big way. Um, I mean, it is scary. Uh, the, the one thing that I did say about, uh, safety and security, there, there's some common sense things like, you know, you're not going to want to throw your, your, uh, social security number in there. You're not going to want to throw your address in there, you know, like, how can I make the street close, you know, better and then throw in your address? Like, there are some things that you want to stay careful of. You also need to understand too, that there is the difference between like open models and closed models, which I'm not a techie guy, but

• 44:25Speaker 03

  basically you can understand it this way. We use a technology for note taking here at Money Wise with our clients that greatly helps us take better care of them and not miss anything that's very important to them. Or anything that we should be doing to follow up with our clients. It is a closed system, which means it's not going anywhere. It stays inside of the note taking system.

• 44:46Speaker 04

  Keep that in mind, folks. ChatGPT, if you're...

• 44:48Speaker 03

  Is open.

• 44:49Speaker 04

  If you're, hey, I've got this much in this account and my wife's name is this or whatever, like, that's, that's an open system. Don't do that.

• 44:55Speaker 03

  Yeah, you throw a lot of information in there about, you know, accounts and hey, make a, make a retirement plan for me and you put it in an open system or something like that.

• 45:04Speaker 04

  Bad idea.

• 45:04Speaker 03

  Could be opening yourself up to some of those things. And so just be smart about it, but...

• 45:09Speaker 04

  Maybe that's why it's called OpenAI.

• 45:10Speaker 03

  Yeah, maybe.

• 45:11Speaker 04

  Is that why it's called?

• 45:12Speaker 03

  Yeah, I think so. It's like open source.

• 45:14Speaker 04

  Yeah.

• 45:14Speaker 03

  Kind of stuff. And, and there's model, like it's, it's training itself using your data and using your information. And so it might pop somewhat up somewhere else, but, uh, you know, one of the things that we talked about earlier was like, instead of trying to like just pick the AI stock, and I'm not saying that... Some people might not do the research and want to take large stakes in smaller tech companies and and that kind of a thing, but but understand that if you're in a diversified portfolio, if you have some stock exposure in your portfolio, you have large cap exposure, those companies themselves are all going to be trying to use some of these technologies to become more profitable and to hopefully go up in value, to scale and grow their business, and you get to participate with that

• 45:55Speaker 03

  in the stock market. And I know that there's there's some manipulation and there's political pressures and people feel like, you know, I'm not getting ahead and it's the rich people that are getting it. Well, I don't know of many ways that you can consistently just throw money into something. And if you stick with it and don't let emotions push you around and keep building up ownership in some of these companies, these large cap companies, whether it be in your mutual fund or your ETF or if you're holding individual stocks even, you know, if you kind of know what you're doing, you're watching it, you have to be a little bit more on it. If you're holding individual stocks, you get to participate with the growth and expansion of all this stuff that we're talking about.

• 46:35Speaker 04

  Before we run too tight on time, we had someone send in a message. So is the city water sewer rates not going up now? And from from my research and reading through a few things for you guys, it appears the bad news is water is not really affected. Water rates should still be going up 50% over the next five years, which is is tough, right? Correct me if I'm wrong. The good news is though, that at the city council meeting, whatever you call it, they decided unanimously, they're going to rescind the 300% sewer increase, which is just bananas, man. That's crazy. So

• 47:10Speaker 03

  Yeah, which unfortunately, we can't speak to because we don't have anything behind the scenes to where we know, but I would say that it's still going to go up.

• 47:17Speaker 04

  Oh, yeah, they're they're just gonna

• 47:18Speaker 03

  They're gonna stop that number.

• 47:20Speaker 04

  It's not gonna be so crazy.

• 47:22Speaker 00

  And then go up to 600%.

• 47:24Speaker 03

  No, I'm hoping it's the other way.

• 47:26Speaker 00

  I'm just playing.

• 47:27Speaker 04

  Way to end the show, man.

• 47:28Speaker 03

  Here's what we can tell people. They heard us.

• 47:31Speaker 04

  Right?

• 47:32Speaker 03

  At 300%. So if they go up to 600, Man, we gotta get out there and let them know.

• 47:37Speaker 04

  You're never gonna get watered down content here.

• 47:40Speaker 03

  That's right.

• 47:40Speaker 04

  On the Money Wise Show.

• 47:41Speaker 03

  Anyways, the thing I was gonna polish up with on the old AI chat is sometimes you may think like, "Oh, that's just software companies and stuff." I mean, I hope none of you guys have to go through a legal case of any kind or anything like that, but legal research, I mean, finding answers, you know? I mean, I know lawyers are probably paid what they're worth in a lot of instances, but they're not cheap. And so it might bring some of those costs down because now what used to be literally books off of a shelf now can be done in a much quicker way. Think about how healthcare and how that may be able to get better and quicker and get drugs to market faster if they're good drugs, you know?

• 48:22Speaker 03

  Even in commercial and retail and selling things, you know, every single sector is gonna benefit from this and one of the ways you can just understand that you're participating in it, if you stick with your investment strategy, you too will benefit from all these technologies and all the increases that they're gonna do. So hopefully that wasn't too painful. Thank you guys for the questions and comments and making what it is.

• 48:44Speaker 04

  Keep them coming.

• 48:45Speaker 03

  And yeah, so have a great day. Most importantly, be smart, be safe, be money wise.

• 48:55Speaker 02

  Securities offered through SCF Securities, Inc., member FINRA/SIPC. Investment advisory services offered through SCF Investment Advisors, Inc. SCF Securities, Inc. and Money Wise Wealth Management are independently owned and operated.