WIN Ep168. Self-Directed IRAs Made Simple with Adam Bergman

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And now let's dive deep. Welcome back to the Win Podcast. I'm your host, Trent Warner. On today's episode, we are joined by Adam Bergman, cofounder of IRA Financial. IRA Financial has helped over 25,000 clients invest over 4 and a half billion dollars in their own self directed investments.

Adam and I are gonna get real into the weeds on the different benefits between self directed IRAs and traditional Roth IRAs. We're gonna talk about solo four zero one k's for business owners. This is a conversation that you're not gonna wanna miss. There's a lot of information packed into this twenty five minute episode. Now let's welcome Adam Bergman.

Adam Bergman joining the Win podcast today. Adam, thanks for coming.

Adam Bergman: Pleasure being here. Thanks so much for having me.

Trent Werner: So Adam Bergman, probably known by some of our listeners already because he has an extensive background in this space of self directed investments and financial, I guess, retirement account investing into alternative assets, well as being a very decorated attorney in this space. Adam, for people that don't know who you are, who is Adam Bergman?

Adam Bergman: Well, I am someone that's super passionate about what I do. I'm very lucky to have found my niche because it took me some time to get here. I actually went to law school. I got a master's in taxation. I worked at some of the largest law firms in the world in New York City, and I didn't really have a calling.

I was a good lawyer, worked on a lot of cool stuff, a lot of really big deals, learned a lot, but I just felt I was missing something. I wasn't 100% passionate what I was doing. And I got lucky. My eighth year working, I had a client that was a really big hedge fund investor. He was a partner in a very big hedge fund in Connecticut, and he wanted to look at potentially using his IRA to invest in a hedge fund.

And I got lucky enough to be tasked with researching this investment. And I had no no idea that this was even possible. And I remember at that point, there was a library in our law firm. Crazy is about seventeen years ago. So, yeah, they had libraries back then.

And we I did some research, didn't find a whole lot. And but I found out that, yes, you are able to use your IRA to invest in hedge fund a lot more like real estate. And essentially, I looked around the Internet and there were some companies doing it, but charging a lot of money, bad technology, no education. So I quit law and I started IRA Financial.

Trent Werner: And I mean, like I said before we even started recording, investing using an IRA into alternative assets is something that I wasn't aware of more, you know, more than a few years ago. And I feel like a lot of people are in the same boat as myself. They they hear IRA. They think equities, stock market, you know, bonds, those sort of things. Aside from real estate and hedge funds, are there any other alternative assets that people can use an IRA to invest in?

Adam Bergman: Yeah, Trent. I mean, you're not alone. Like, I was the same way. I thought you had to invest your IRA or four zero one ks in stocks. I mean, that's what I did.

I had no idea. That's what really drove me to start this business, because like, hey, I think I'm a pretty smart guy and pretty sophisticated. I had no idea. So how many millions and millions and millions of Americans are out there that may want to do this but have no understanding, no knowledge? So, yes, the rules are actually really, really, really simple.

So there's only three things you cannot do with an IRA. That's it. IRA is just a little bit of background. IRAs were created in 1974 by ERISA, and Congress did not distinguish between an IRA that invests in stocks and IRA that invests in real estate. So the word self directed IRA, you're not going to find an internal revenue code does not exist.

But what does exist? So there's two sections that identify what you cannot do with an IRA. Here they are, super simple. So section four zero eight, you can't buy life insurance. You could with a four zero one ks, just not an IRA.

Number two, you can't buy collectibles like art. And then thirdly, the biggest category is found under Internal Revenue Code section forty nine seventy five, and it says this in some. When you make your IRA investment, it must be done to exclusively 100% benefit your IRA. So in turn, you cannot do anything in your IRA that personally benefits you individually, your lineal descendants, your parents, your children, your spouse, daughter-in-law, son-in-law or any entities 50% or more controlled by such persons. Otherwise, you can do it.

So you have a world of investment opportunities, whether it's real estate, residential, commercial, Bitcoin, gold, private placements, private businesses, hard money loans, real estate investment funds, stocks, obviously, You name it, you can do it. Other than those three things.

Trent Werner: And this might be a novice question, but if it's having to benefit the IRA itself, if you are receiving quarterly distributions from, let's say, real estate, do those distributions have to be put into that account?

Adam Bergman: Yes. So really good question. So I think the two main benefits of using a self directed IRA, the first you just hit on tax benefits. So when your IRA makes an investment in general, all the income and gains flow back to the IRA without tax. So you invest $100,000 in real estate and you get $1,000,000 back a year later, a month later, five years later, ten years later, tax free back to your retirement account.

Dividends, interest, income gains, capital gains, royalties, all tax free back to your retirement account. So that is the first major advantage of a self record IRA is, of course, the tax benefits. And that's why as a tax lawyer, I am so passionate about the self directed retirement world. Second, for me, it's diversification. It's freedom.

To me, there's nothing more American than being able to decide, control what you invest in. So, for example, the last week or so has been kind of crazy in the stock market, tariffs, trade wars. I mean, the last little while has been pretty crazy, ups and downs. Well, if you diversify. You're not happy that the markets are going down, but you're not losing sleep because you're investing in real estate, you're investing in gold, you're investing in different investments.

So you're diversified, and that's what a self directed IRA can help you do.

Trent Werner: Yeah, and that makes perfect sense. So the biggest benefit that I've heard so far is the obviously the tax benefit on the gains that are going back into the account. Who do you think is the, I guess, main prospect for someone to reach out to IRA Financial, for example, and, you know, help use your company, work with your company? Is it someone that's 75 years old or is it someone that has an IRA that's 24?

Adam Bergman: Great question. So, I mean, there's 65,000,000 IRAs out there is about over $13,000,000,000,000 in IRA money. There's approximately $600,000,000,000 each year that move from four zero one ks to IRAs by way of rollovers. Right. When people leave their job.

So it's really anyone in general, as you know, Trent, it's hard to do anything with a thousand bucks, 5 thousand bucks, right? So if you're just starting, you're a novice, you're just first job, you're just trying to save other than maybe Bitcoin or gold or maybe some small private investments, probably not going to do much. So the best thing to do is to save by stocks, do do cryptos, do do whatever you want. But it's going to be a little bit more difficult to buy real estate or get into real estate funds or do hard money loans. So I would say our average the average customer is over 100,000, but we have a lot of clients anywhere from 25,000 plus.

But the most important thing is just doing what you want. So that's what I'm here is to educate people. This may not be for everyone. That's fine. But you should know your options, right?

It's in the tax code. We should be educated enough to know what you can do. And then it's up to you as a free American to decide what you should invest in. That's up to you. And that's the beauty of the American retirement system.

Trent Werner: Yeah, and I'm I'm an American that has an IRA. And, you know, I I have my financial advisor take care of it. I heard that I should start an IRA as a ten ninety nine, you know, business owner. And so I did that. And like, I mean, like I said, I thought I had to leave it with him, just invest in stocks.

And so for someone that's in my position, or, you know, anyone else that's in a similar position, what's the first step of becoming a self director of my IRA?

Adam Bergman: Right. So so for Trey, I'm gonna give you some free legal advice right now. So if you're ten ninety nine, what I would do is not set up a SEP IRA or an IRA, I would set up what's called a solo four zero one ks. It's the most robust retirement plan. For example, 2025 under 50, you put away $70,000 pretax or Roth.

If you're 50, you can put away 77,500. You could self direct. You could actually borrow against it up to 50 ks. So it's a great plan, whereas an IRA will only give you 7 or 8,000 if you're 50. So that's number one.

Number two is there's a lot of great companies in the self direct retirement space. Obviously, I think what IRA Financial does is far superior. Just not only is our pricing flat and fair, but we have the expertise. So I think it's super easy. It's not intimidating.

It's basically like opening a Schwab or Fidelity or Vanguard account. It's basically a couple questions, basic info, your social name, address. You fill out where you want to move the money from. We initiate it if it's coming from any financial institution. It's tax free when you move money within the retirement world, IRA to IRA, any type, tax free.

And then once you have it, once it travels to IRA Financial, you're notified, and then you get to have fun. You get to invest in almost anything you want.

Trent Werner: Well, then that's my follow-up question is, let's say I'm not in tune with the investment world, and I've just done what people have told me, whether it be a four zero one ks or IRA or, you know, just invest like people have told me for hundreds of years. How do I choose what to invest in if I, you know, work with IRA Financial, for example?

Adam Bergman: Yeah. Mean, the beauty of it is obviously it's what you want. So if you're comfortable, just kind of, hey, I'm gonna start with stocks. Like, for example, I have a 14 year old son. He's super into stock trading.

Like we talk about it every day. What we do is we research companies together. Each week I give him $50. And I can't do it in IRA because he's not able to work, But I give him $50 a week to invest and he has to invest it. It's not spending money, it's investing money.

And we what we do is we learn about different companies he wants to invest in. I explained to him how to look at financials and how to understand the market. So if that's what you want to do, great. If you want to learn about real estate or real estate investing or gold or Bitcoin or investing in a neighbor or friend's business, you can also do so. So the beauty is the world's out there.

You can do almost anything you want, Obviously, yes. Agree, Trent. You want to do your diligence. You want to take your time. You want to understand what you're doing, but you don't be intimidated because you get to do whatever you want.

And if you want direction, you can get it. But you can also diversify and have some in stocks and some in gold and some in Bitcoin and some in real estate and have a real full diversification portfolio.

Trent Werner: Is there a time component or time restriction to any of your investments that you make in a self directed?

Adam Bergman: No, you can hold it for thirty years, you can hold it for a minute, totally up to you. You can day trade Bitcoin or stocks, you can hold land for thirty years. No, it's super easy and flexible. You just basically need to decide what you want to do. It's helpful to work with a company like IRA Financial because then obviously we'll look at the investment with you.

We're not going to analyze it from an economic standpoint, but we're going to let you know, hey, it's kosher. It's not prohibited. You can do it. Here's some potential tax implications you may want to consider. Here's some structuring ideas that we can help you with to minimize taxes, maximize tax benefits.

But it's up to you. So to me, there's nothing more American than this because this is freedom, right? You get to invest in almost anything you want. You don't have listen to your financial adviser if you don't want to, and you don't listen to government to tell you what to invest in. You can do whatever you want.

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Trent Werner: Uptown Syndication is now offering a syndication coaching program for you to take your real estate portfolio to the next level. This is your opportunity to have experienced syndicators, AJ and Chris Shepherd, coach you on your way to controlling your real estate investing future. Our coaching program will provide you with the tools and framework needed to begin syndicating real estate in your target market. Go to UptownSyndication.com today to learn more. So when it comes to IRA Financial, and you mentioned kind of helping people underwrite or analyze investments, what does the client experience look like at IRA Financial when it comes to, hey, I'm ready to make an investment.

I have a couple questions. You know, can you help me out?

Adam Bergman: Great. So we have an amazing team of 100 plus folks where, you know, obviously training is important and education and what we do, but we encourage people to call us. It's not just, hey, chat us or or send us a text. We want to talk to you. You don't have to.

We'd love to talk to you. And what we do is there is an onboarding process where you'll talk to a customer service person and make sure if you'd like your investment makes sense, it's not prohibited. You'll go into our website or app, you can be onboarded in ten minutes. We do a KYC because we're a regulated trust company. It takes about a day to get your account approved.

Then you'll be notified that we've initiated the transfer since you provided us all your retirement account information, or you could send it to us. We'll then pull it from the Schwab's, Fidelity's, wherever you have your IRA money. You'll then be notified when it arrives. And then you just go on to our website or app and indicate where you want us to send the money. And then the investment will be titled in the name of your IRA.

Or there's something called the Checkbook Control Structure, which is a really cool structure, and I was one of the first to work in it around fifteen years ago, where we set up an LLC that's wholly owned by the IRA. So you have an IRA, then the LLC. And by using the LLC, you get what's called Checkbook Control. So you're the manager of the LLC. So if you need to make an investment, you write the check.

You got to pay Joe the plumber. You write the check. You have more control. You don't have to go through the custodian to get things done. You also get limited liability protection, which is important for real estate.

You get privacy since the investment is in the name of the LLC, not your IRA. So there are two options to make the investment. But once that's done, we help you with everything. We hold your hand. And then the good news, we don't leave you, right?

Because we're your partner. We are going to do all the administration on your IRA, do all the maintenance. We offer compliance service, tax filings. We do it all. The only thing you need to do is literally pick what you want to invest in, tell us where to send the money, and then hopefully you pick right and your investment goes up and then all the gains and income will flow back tax free.

Trent Werner: So you mentioned an example of paying a plumber. With a self directed IRA, paying a plumber, that seems like an expense. But if that's allowed, as long as it's in relation to an investment property or flip or something like that?

Adam Bergman: Exactly. As long as you're not paying your lineal descendant, your parent, your children, your spouse, Darla and Sonolo or yourself, you can do it. So of course, you can pay taxes, you can pay a plumber, landscaper or whatever. Obviously I have a lot of clients that will fix and flip. So they'll do improvements, put a pool in and landscaping, or they'll buy land and develop it.

I mean, they won't actually take the hammer and the nail, but they'll hire a contractor. They'll manage the process from afar as passive investor. They'll have other people that are obviously doing the construction. And then, yeah, when you flip the house or sell it, the gains will go back to the retirement account without tax.

Trent Werner: And I'm assuming this LLC that's just sticking on this example, this LLC that's owned by the IRA, you know, if you buy five different single family investment properties, it can all be under one umbrella, right?

Adam Bergman: Correct. Or some clients like to set up separate LLCs for each property just to make sure that you can bifurcate risks. So God forbid, there's an issue with one asset doesn't spill over to the other. But it's up to you, and that's something we'll help you with, you know, where to form it. We do it all through the LLC, tax ID number, the operating agreement.

We do it all, literally all. The only thing you need to do is kind of onboard. It takes about five minutes and tell us where you want to invest. We do the rest.

Trent Werner: And Adam, aside from tax benefits and freedom benefits or freedom benefits, I'd say with the self directed IRA. Are there any other benefits out there to self directing your own IRA versus having a person

Adam Bergman: manage Personally, listen, I do better when I invest, when I care about the investment. So there are a lot of people out there that don't understand Wall Street. I mean, I'm one of them. I lived in New York City for years. Like, I have a lot of friends on Wall Street.

I don't understand what's going on there sometimes why stocks go up or down. We saw with the market meltdown, with the tariffs and the trade wars, like if you don't want to deal with that stuff, you want to sleep at night and you're just like, you know what? I want to be able to drive around the block and see what my IRA owns. I want to actually touch the house. Or you know what, I care about my community.

I want to invest in local businesses. Or you know, my brother or my sister, because they're not lineal descendants. They need money. I want to lend them or invest in their business. Some people feel more focused on that and and because they're interested.

They're going to be better investors. So listen, it's all up to the investor. There's no right or wrong. And that's what being American is. We each get to create our own path.

Trent Werner: Yeah, that makes perfect sense. And for me, I mean, wheels are already spinning about converting into a self directed IRA and being able to use some of that for what I know, which is real estate. I'm sure there's plenty other people that have what they know in their niche with their, you know, future self directed IRA or their current self directed IRA. So, Adam, I also know that you are an author of nine books. Is that correct?

Adam Bergman: Nine books.

Trent Werner: Yeah. Why should someone go buy your books aside from you're a smart guy with a lot of experience?

Adam Bergman: Oh, you can't sleep at night? No. Well, you know, definitely don't want to read all nine, but, you know, I love to read. I'm passionate, but I like to write. I'm a lawyer.

My goal is if every day I can impact one person to just open up their eyes and be like, hey, you can do this. You don't have to. I'm not here saying, everyone, you need to open a self directed IRA. No, you should. But it's up to you.

The key is education, is knowledge. And the fact is, I didn't know about this. There's millions and millions and millions of Americans that know about this. And every day I wake up and I'm like, hopefully I can just impact one plus people each day to understand that government allows you to do this. The US retirement system, people don't understand it's rigged in our favor.

Okay, not rich people goal

er. It's how smart people goal. It's based off very simple principle of compounding returns, which people don't understand power of 72. That means if you average a 9% rate of return, your money doubles every eight years. You average a 10% rate of return, your money doubles every seven point two years.

Albert Einstein said compounding returns is the eighth wonder of the world. It is. And that's what The U. S. Retirement system is built on.

So whether you're buying stocks or real estate or gold or cryptos, I don't care. Save. Take advantage of the retirement system. That's how you'll grow wealth. That's how you'll build a legacy of your family, and that's how you'll get rich.

Trent Werner: I love that. What was the what was the math on that again? 8%.

Adam Bergman: It's all. See, look, this is exactly it. Like, this should be taught in elementary school, right? Should be taught in high I always give this example. I went to university.

I went to a really good university. I went to law school. I went got a master's in tax law. I never took a class on compounded returns. Not one, not one.

I had to figure this stuff out myself. So that's crazy. I mean, think about all the crazy stuff we learned in college, right? Like all kinds of crazy classes, right? None of them helped me.

Well, most of didn't help me. But even for I should have been forced to learn about retirement saving, compounded returns, how mortgages work, how insurance work, how the retirement system works. So rule 72, you multiply your rate of return by eight. So if you can average a 10% or 10% rate of return or excuse me, everything is out of 72. So you do 10 times whatever gets to 72.

So if it's 10% rate of return, seven point two years. Twenty percent rate of return, it's going to take you around three point seven years or so to double your money.

Trent Werner: Got it. Okay. First of all, for the record, speaking of learning random things in college, I am the proud completer, I guess, finisher of a Native American flute class in college. So there we go.

Adam Bergman: I took art of listening where we had to sit in a room and they would play a song. We'd have to say who the musician was.

Trent Werner: I think I think adding a compound interest in retirement class or curriculum is probably a good idea for universities and schools for that matter in general. Honestly,

Adam Bergman: it doesn't have to be in a full time class, just like a five hour tutorial would be interesting, but maybe one day.

Trent Werner: Yeah. Now, my other question I had, because you mentioned as a business owner of what's it called solo four zero one ks? Yes. So obviously the benefits of a solo four zero one ks is you could put a little bit more money into it versus an IRA. But aside from that, what are the other differences between those two types of accounts?

Adam Bergman: So IRA is under Section four zero eight, a four zero one ks is under Section four zero one. The big difference is four zero one ks has to be set up by a business. An IRA, an individual IRA is set up by a person. So the good news is for a four zero one ks, it could be a sole proprietor business, an LLC, a partnership, C Corp, S Corp. It's very flexible in terms of what is a business.

So whereas an IRA, Adam has to set up an IRA. There is something called a separate IRA and a simple IRA, which are business types of IRAs, but they're not as rich and robust as a four zero one ks or solo. So solo is basically a mini four zero one ks that you would get if you worked at Apple or Google or Tesla. But here's the advantage. A solo four zero k and a Google four zero one k will allow you to put employee deferrals away, which is twenty three five or 31,000 if you're over 50.

Okay. Dollar for dollar. And then Google will probably give you anywhere from, like, a three to 5% match on your salary. So if you work at Google Google, you make a hundred k. Let's say they give you a 5% match.

You get $5,000 plus whatever you put into your four zero one k. Let's say up to twenty three five or 31 k. A solo k will give you that same twenty three five and thirty one ks, but it also has a profit sharing component that's not basically four or 5%, but it can go all the way up to 25%. So let's have made 100 instead of working at Google. I work for myself.

I'm a freelancer, gig economy worker, and I want to max out. I'm doing really well. I have a S Corp, let's say I'm under 50. I can do twenty three five plus 25% of 100 ks my W2. That will give me a 40 almost $49,000.

Right. And then there's all kinds of cool tricks where if you get if you have extra room, I can get you up to 70 ks in Roth so I can put in another 20 something thousand in Roth. You can borrow against it. You're the trustees. You have the self directed checkbook control.

Great asset and credit protection. Could be in pretax or Roth. There's so many cool things you can do. But like you said, you could put away trying a lot more than an IRA.

Trent Werner: Right. Because I think last time I looked the IRA max, this might have been a couple of years ago now was like June a year, maybe.

Adam Bergman: Right. Now it's seven. It's 7,000 or 8,000 if you're over 50.

Trent Werner: Yeah. So the main difference is the the amount that you can put in there. And four zero one ks is post tax, right?

Adam Bergman: It could be either. So a four zero one ks, just like an IRA. So let me just back up here. So an IRA, a pretax IRA is pretax, meaning if you put in seven ks, you get a tax deduction for putting in the money. Tax deductions are great, right?

They reduce your taxable income. But when you pull the money out after 59 and a half, you pay tax on what you pull out. That's known as deferral. Your money grows tax free in the plan. When you pull it out, subject to income tax.

If you pull it up before 59 and a half, you pay tax and a 10% penalty. A Roth IRA is an after tax account that was created in 1997. Roth four zero one k's are becoming more and more popular now. A Roth is after tax, as you mentioned. So no tax deduction when you put the money in, but here's the catch.

Once you're 59 and the Roth has been open five years, so it's fifty nine and a half and five years, whatever you pull out is tax free. And the four zero one k is the same feature. So I wrote a book. It's not here, In God We Trust, In Roth We Prosper. All my retirement money's in Roth.

So my goals, I'm not 50 yet, but in the next ten years, I'll reach 59 or so, I'll be able to pull whatever I want on a tax rate. And if I die, it goes to my spouse, tax free. If she dies, god forbid, my kids will have the ability to pull that money out tax free for ten years. So it's a great way to use the money while you're alive tax free. You can leave a tax free legacy to your spouse or your kids.

And it's the best legal tax shelter out there.

Trent Werner: And that's inclusive of the gains that you make in that?

Adam Bergman: Oh yeah. So here's the example. This is my, he's my mentor, my idol mentor, but probably definitely my idol. So there's a guy named Peter Thiel. He's a multibillionaire, a very smart guy.

He was one of the founders of PayPal with Elon Musk, Palantir, Alex Karp and one of the first the first investor in Facebook. So this is what he did. He actually worked with a mentor of mine in the late 90s. And when he was starting PayPal with Elon Musk and a few others, he put $2,000 in his Roth IRA and they bought PayPal stock. And he it was a new company, so he bought it at par, like pennies for a share.

And within two years, he sold it for $27,000,000 tax rate. Right. And then he took $500,000 in the Roth and he was the first investor into Facebook. And he turned that into almost $400,000,000 tax free within a number of years. So, yeah, there's thank God America.

There is no maximum you can have. I have clients that over have over 100,000,000 tax rate in a Roth. So that's the goal, right? That's what you want to strive for is to be a Peter Thiel. He has $4,000,000,000 in a Roth tax rate.

Trent Werner: Not a bad position to

Adam Bergman: be on a bad, but he's got he's under 59 and a half. Here's the cat, so I can't touch it for a few more years, but you could actually touch the money you put into the Roth. You can pull out any time. It's the earnings on the contributions. You have to wait the 59 and a half in five years.

Trent Werner: Well, I mean, he had some pretty good investments. So unfortunately of that of that big account, he's not pulling out a whole a whole lot of contributions.

Adam Bergman: He's got to wait. I think he's in his 56 or so. So a couple more years. And yeah, he'll have the best tax free windfall in the world, probably.

Trent Werner: That's amazing. So, Adam, where can people hear more from you or learn more from you?

Adam Bergman: Yeah, I think going to our YouTube site's really good. IRA Financial, thousands of videos and tons of information. You could check out our website, IRAfinancial.com, IRAfinancialgroup Com. Tons of free information, tons of blogs, videos, podcasts, all kinds of tutorials. You can also call us.

Just call IRA Financial. And there's people, amazing, amazing team members that are so well versed in the stuff and free consultations. Like you can ask us questions. We're not charging you. We just want to help.

And even if you turn around and use another company or don't do it, no pressure, no strings attached. Just try to learn. We're here to educate. And hopefully you do end up opening a self directed IRA and making a lot of money tax free.

Trent Werner: And where can people find your books?

Adam Bergman: They're on Amazon. You can just search. You can search Adam Bergman or just type in like my new one is called self directed IRA. Do I have it here? I don't have it here.

Mastering the self directed IRA. It's a good I think it's 150 pages, not super long. It's organized in the chapter. So if you want to like start the beginning, get the basics, you could. If you already know the basics, you can skip to the kind of the meat of the book and get more information on, like, more advanced topics.

So I would do that mastering the self directed IRA. I am working on another attempt book on on the solo K, so that will come out hopefully in the next year.

Trent Werner: Very nice. Well, Adam, thank you so much for answering my questions. I know I learned a lot and I'm sure I already have a friend of mine that I'm going to send this to as soon as it's done being edited, needs to hear So thank you so much for joining us today.

Adam Bergman: It was a pleasure. Thanks so much for having me and, really appreciate the opportunity.

Intro speaker: Thank you for listening to this episode of the Real Estate Professionals Investing Podcast on WIN, your community of investing knowledge for growth. We hope that this episode has increased your knowledge and added value to your path to freedom. If you would, please take a second to rate us so that we can get more great investors to interview. If you or someone that you know wants to be on, please visit westsideinvestors.com and fill out our form to be on the show. Thank you again, and enjoy your day.