Nov 18, 2013|
Men’s Health New England is a weekly radio show dedicated to giving you the straight talk on Men’s Health. Hosted by Dr. Stephen Scionti, the Director of the Scionti Prostate Center of Boston, Dr. Scionti is globally recognized for his work in advanced prostate cancer diagnostics and minimally invasive prostate cancer therapy. From cardiac care to prostate issues, from sexual health to prevention and wellness, host Dr. Stephen Scionti will be discussing the topics on everyone’s mind, but what everyone’s afraid to talk about – their health! Men’...
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Welcomed a men's health doing what I'm your host doctor Steven C on the director this -- deep prostate Sandra Boston mass Baylor college in Milton Massachusetts. Join us every weekend at this time for the most advanced and up debate discussion of topics most important immense help. Join us every week as we discussed topics like prostate cancer and prostate disease. Sexual health. Lifestyle and diet weight management. Heart health and hormone -- health. Every week -- interviewed national experts in men's health. And empower you with up to date scientific of repressive information that you can use to improve your overall health. Achieve weight loss. Lower your risk for heart disease and maximize your sexual performance. Of course deal with prostate problems. Down today show. I'm going to be bringing in mr. John Jeffries is a managing director and M three capital advisors in today's topic is. Health and well what's the relationship to get into this today really talked about how these two things are intricately related. Will be back with that seven and just a minute but first I want invite you to -- any questions you have to wrko.com. Slash men's health. Submit your questions and -- -- on the air or by email. And of course you can learn more about prostate cancer or prostate disease at my website which is it DR CRT dot com that's DR. SCI ON TI. Dot com. Our offices are located that mass -- urology division of Greater Boston urology and were at 100 highland street Milton Massachusetts. You can call us at the opposite 617. 696. 1826. Again at 617. 696. 1826. Or we write back and we're gonna talk about the relation between. Help the left of wealth today on men's health the -- so stay tuned we'll be right back. This is doctor Steven -- county founder and director of the syrupy prostate Centre of Boston mass bay urology and your host. -- -- -- -- Today I wanted it to my guest mr. John Jeffries is the managing director of M three capital advisors. In Newton Massachusetts that exports to the relationship between. Health and wealth and as you can see this is a really. Pertinent topic today. Because there's so much relationship here now. When I just read a little bit for this segment. I came across a number of things and articles and so forth but here's I think what this says that most of us this includes an article from time magazine. And let me just call the spore. It's as most people get it. The -- happy and productive retirement years is staying healthy yet it's not just about diet and exercise. How you manage your money often determines your level of stress. Which if Q hi may lead to chronic health problems. Like heart disease and diabetes. So he'll have to do more than switched to whole wheat and start jogging around the block every day. Your health often depends and feeling good about it in control your finances. Not a lot of people understand that. And relatively few people are doing much about that so it is an intro I wanted to do so mr. John Jefferies and M three -- revises welcome -- ms. temple when John. Thanks doctor -- the great to be here. We're. We appreciate the introduction a we have in our business. A statistical. Analysis that correlates so closely a person's health and there wealth and their finances. We've done a tremendous amount of research on this. Over the period of the twenty years we've been in business. It has been amazing to us the older we get -- CIT the more and more. Our clients are looking at the correlation of their wealth and there help. We've done so many different. Those surveys of our clients asking them what's important to them what they feel. Is is are things that they need to address. More closely as the age. More and more were finding that their health and they are well are doing it and almost lockstep. As things that they are really concerned. Well sure I get that because you know one can have all the wealth of the world but if you're not healthy. Really what good is it. And and really vice Versa part of you know really feeling good about yourself and be able to do things you want like. We give doctor -- they've got the resource to do that in planning your return becomes an important part and I know that you guys are experts at an M three. We -- -- and we do a lot of the retirement planning we do a lot of the wealth planning we do owe a lot with their clients. Generational planning so not only clients that are that are high net worth the clients that have 401K. A physicians in private practice. It it really is consistent across all of our clients. As to what that what they're looking into what they're concerned about as the age. For us. We have been as -- said we've been at this for twenty years so we're we're we're very closely aligned with our -- interest. We look at the correlations between. The basics in you talk about in your on your show all the time being healthy starts with the eating healthy start with the exercise the correlation in the money management is. We we we. -- the start healthy to just be Smart about your money. Strike first we -- so you know we we were talking and you know sort of planning they show you tell me about some of the work that you've been interested in. With respect with athletes in in in in there so I think there's a lot of relationship to the everyday or everyday guys out there but let's talk about that from an. Sure we we get into this specifically by a by people we were working with -- over the past several years so. I had a good fortune to play football in college. We have a lot of friends in and colleagues who are now in their mid forties. Late forties and guys who were really successful. Early on in their careers some head. Great college career as winning the pros guys that we played against -- I am old now -- so. Anyway where were about the same age so don't don't go to -- back. -- and I think that you would -- household names that you know that that we have that I've played with who are now in their late forties early fifties. In the -- they go through things like back pain in the going through knee pain in the going through joint replacement. Four years ago I had my myself. An injury that cause me to get a hip resurfacing again this tremendous amount of research. Prior to having operation done in what I found was that there were a lot of people my age who going through the same thing. So former athletes. Guys who have either played at a at a high level and college or maybe played a little bit the pros but also women who had issues. From college sports are just just as they age in what we found was in. In a research the more and more people. Had a sense of their own health and and and their finances and the control they had better outcomes. Sure that makes cents because they are related so what else to hear what else did you learn from that this this study so we we took. A very deep he'll look in my background as you know statistical analysis and and we had a a very. Deep understanding of why people had done obviously they had joint pain had back pain had their reasons it mechanical reasons for having done. We went in -- looked at what was happening in their lives so. As they were getting into the forties and fifties they were less able to work they were less able to function. And they were not producing at their office or their work environment at a very high level. And what that led them to was a very high level of anxiety. Because their finances. Were now an issue that they really had to worry about so that was the beginning the Genesis if you will of the correlation between their health their well. In 2008 the world changed for everyone when people lost almost 50% in some cases of their savings. The panic level in the anxiety level was extremely high. If you look at statistically what happens is that correlated with the baby boomers as they were reaching their mid and late fifties. And they were the ones leading the charge in the panic in the anxiety. -- sure because all of a sudden and I think a lot of our listeners can relate to this some a lot of the guys out there you know earlier in the 40s50s and you know you you just don't have the the energy -- the the stamina. Maybe you've got some joint issues is as John was talking about. But -- it limits the ability to -- there and -- -- -- need to do every day whether it's in your your job your career. -- whatever it is and of course. If you can't if you don't have that sort of that that energy that stand and that ability glum and do we -- to do that certainly can affect your finances. And so there's a definite correlation there isn't it. Absolutely you know -- to -- you see this all the time in your practice people come in to see you when there's an issue. And one of the things that that was striking to us is time. The time that they had that they were talking about is. Win when folks getting into this area of their lives where their parents may be are coming into CU for prostate issue. Where they're coming into -- to see you because they have a cancer issue. Somewhere else. They are usually the people who are coming at CU -- in their sixties are in there. They're late fifties early sixties maybe their seventies or eighties but their kids are in their forties. So their kids are facing mortality through the appearance for the very first time. This is a neon light that's flashing. To them not only regarding their health but also their finances. So they are coming to us often times for the first time. In their mid forties or early forties. All the way up to their early fifties -- what they're concerned with is time what's what do why do -- do not only. From me from a health standpoint certainly from a financial perspective and how the to a correlated we can certainly in that -- No I think we wanted to we wanted to certainly explore you know what sort of strategies that -- -- you'd advise people but I seriously and a couple things here. You know I think. Is is is as men get into that this sort of -- -- that kind of middle -- the first time I think a lot of us really confront. Our mortality in the fact you know we can't just work like crazy people forever. At some point -- we you know we we we've got to be able to have the security -- may -- now. Work -- massive hours we work and they keep on running full speed because our bodies are gonna -- Absolutely correct you know that when winner when we young you can eat what you want you can you can drink which you want. And then you can go out the next day in court you know pretty much sleep I think right now let's go back to your twenties and -- mutually 23 -- in your fine play but you know. As we get a little bit of gray hair that doesn't work anymore than that I can as you start to fall hopefully I am -- last. But if you're absolutely right so when you're young -- if you if you have a mistake or you had an event. In in 200820092010. If you -- twenty years old if you -- thirty years old he didn't have a whole lot to worry about you have a long time to recover. The folks who were who were absolutely panic stricken with the folks who entering the sixties they realized oh my god just lot lost half of my money. And now what do I do. I right have a lot of time right nor are running the economic downturn the last thing has really brought that in the focus right I mean because we didn't think you know -- a lot of it we've we've never we've never lived through -- RH the sort of the Great Depression. We -- little bumps in the road. But -- you know our our parents and grandparents. Certainly lived through the you know 1930s bank and so -- our generation the baby -- we've never seen that. And it's frightening absolutely right you know it was it was terrifying to a lot of people in. A though what what has been uninteresting to lessen as this and we've done deep deep statistical analysis on this is that people. Recovered. Very quickly. We're a lot of different reasons but what half the differences in the correlations are staggering in terms of health and well. Is your health does not recover quickly. You can't. He did there's no quick fixes for your health as you talk right now in fact I am you know we talk a lot about this on the program. Maintaining you know optimal health what is that you know and in fact done. You know one of our frequent guests. Is doctor Bowman from this -- -- a Boston medical institute. In fact -- He'll be on nine next week. Talking about you know this elusive -- goal optimal health and there are ways to get that there are ways for. Man you know as they approach Malaysia and even even all the right to maintain -- -- to maintain that full function so we. We'll talk a lot about that on the show and what sort of things can we do to keep our bodies in shape. Give yourselves folks -- but I think what gets ignored and when I -- what we wanted to really focus on today's show is how we keep the financial cyber alliance in shape. So I can prescribe for my patients I'm. You know a very strict regimen of testing to discover what their their their health issues are. We certainly can prescribe. A dietary supplement regiment and exercise regiment. And in to the extent that you know will let -- follow that. We can achieve I'm really excellent health and restore some of the the aging effects and and really an anti aging solution. But I think most -- overlooked part of it and that's -- -- think it can mean so as we go into it and today shelling and really happy. Talk a little bit about them what strategies can one use at any age. To sort of start to build up the in the -- the whole financial. -- side of one's life. And I think that's that's really critical until. Is there -- first I wanna talk about John is there any is is it -- too late to start I think some people think oh gosh I'm already 55 -- -- it is there ever times too late to start this planning. Never -- it -- it quick question we -- that'll time. It's best to start young you know as soon as you can but it's never too late to start. The the issue that a lot of people we've we've talked about you alluded to time you know people living longer your demographics show that you're patient. Probably is is getting older because they're coming into you there there at various times they used to be a point in time we're we're. Actuary early people to retired at age 65 and they lived to be age 78. Well nowadays people are living a whole lot longer statistically. Men -- gonna live well into their -- women and in -- -- almost to their ninety's statistically in on average so he you know -- it's a great question. It's never too late to start you you've got to start you've got to take. Take action in the simple things you know you talk about we can drill down into into the strategies but the strategies a very simple. When you talk in terms of -- first you know getting your company's 401K plan if you are self employed start an IRA do the do the really the fundamentals. You can you can now open up an SEP simplified employee pension and then if you are. A self employed person so there are a lot of things you can do you know -- into your business is unique to. To the cancer area but just like the medical profession where you have specialists and sub specialists. In our business we we see the same thing you have accountants and attorneys and financial advisors and financial planners. And that makes up your financial team in your business you have your health team which may be your primary care physician back in the old they. He would have just a doctor or back in the field as you would have -- just a an accountant -- attorney. You really should seek the advice of professionals. -- what we're gonna get into this little more were coming up against the break here John. It's a lot it would take a break but I wanted to -- to order are back with mr. John Jefferies and M three capital advisors a lot of talk about some of the strategies. Do you really out bolster up to maintain. Financial -- as we heard it's critical. To our whole picture of a successful. Success -- -- can't -- like to state to his doctor Stephens county a host of mens health New England. We'll be right back over to John -- of M three capital advisors of the England today we are talking to John Jeffries of M three capital advisors. And our topic is. Health and wealth and the relationship. We've talked a little bit about the fact -- opening segment that. -- these two are very tightly it intermingled and in fact if one doesn't have excellent health it's hard to really -- -- reproductive and build a financial future. But also talked about the fact that. If one doesn't have financial security that puts a lot of stress. On somebody and as we know stresses a big component of a lot of chronic diseases so that two of these things are intimately related. -- -- bring doctor -- mister mister Jeffries back and John I want to talk about some strategies. You know we talked about the fact that it's never too late to start. But in an -- in the medical world when someone comes to me with a problem additional tests. And ONL I really do an analysis of what's what's really wrong. And they'll come back with me it really a blueprint or plan a prescription. For how to how to you know how to give some -- better health. Then you're in you're in your industry in the -- financial advisory -- to measure -- -- I imagine it's pretty similar isn't it. It is the the similarities are striking you know you you do go through a battery of tests in and when -- -- when a person comes to see if position. You go through the estimate blood test with the estimate twelve over to money and depending upon. What type of of yep you wanna get into it in our world will do a a a way of looking at a person's finances year you wanted to drill down into how are they doing just like in your profession you -- you really wanted to. Get under the skin no pun intended. With the with a look at what they need what are they doing what are they doing right when they do Enron the amazing part is. Most people are doing a lot of things right in the not giving themselves enough credit. The core relations as we talked about earlier between health and and wealth are are are staggering. You know you talked about eating healthy we talked about just being Smart with -- money. It all starts with food in our business is all starts with saving the first before you spend. You talk about exercise we just talk about the need to be balance. You talk about doing everything in moderation. And we talk about asset allocation. The tools that we have just like the tools you have are now all computerized so we can give a person in stand. Analysis of what they're doing right in the office. We we have some really sophisticated. Software programs that some that we license them that we've done in house. But we've got a lot of years of looking at this so we really know how to take -- deep dive very quickly. In making user friendly just like in your business that doesn't have to be. It doesn't have to be scare tactics it doesn't have to be on my god this is what you need to do immediately. But this is how you do it over a period of time in as you said earlier this is how you get started regardless of what -- year. We know in the in the medical world oftentimes. You know we we talked to our our patients we we -- yet we I've learned that most people don't have a plan for maintaining their health. In other words they get up on a bed every morning at the crack of dawn and you -- you didn't get a cup of coffee jump in the car and you get into the traffic and now you're trying to get to work. Right and you work all day. Get back call -- the day you're exhausted and tired and you do it all over again every single day. -- I think most people don't ever take time to think about. OK is this really healthy lifestyle. So one of the things we have to do with our our patients. -- and the only -- guys you guys have heard me talk about this quite a bit if you really have to take time to make time for yourself. Four at a healthy lifestyle. Right in in that requires a a plan in many times you know will give. We'll give our patients are written plan especially when we talk to doctor Bowman and again he's going to be on the show next week from -- A Boston medical institute. You get written prescription. For you know how to achieve that that you know an optimal health plan but. And I so when -- client comes to see John they sit down in in much -- that much as if I would take a medical history. A sort of a financial history right exactly right. Yeah we take it a very deep dive into their financial password and what have they done right what they've done wrong. An and how to do you know you it's a great example a huge issues so a person gets up they go to work and they worked their their tail off and then. All of the sudden they've got kids in college her where they've got they're facing their parents mortality they they had an event in their life. And that there's a wake up call and sometimes you know when they come in to see -- it it it's a it's a physical issue it's a physical ailment. We use the this -- related the story to you about about having joint replacement. The the correlation -- that was the at that time when I was going through the the joint replacement. A woman named -- Melissa back from the Wall Street Journal did a story on and on myself than for other people that appeared. In the Wall Street Journal and and in the this that these similarities to everybody was staggering they had a plan. We talked about in in the journal article how I was probably in the best shape of my life at each 48 when I went in for a this this hip replacement surgery. One of the things with my eight -- my surgeon. At Newton Wellesley hospital doctor Dan Snyder. Was he had done more of these than anybody else around and one of the things he says to me is you got to be in great shape to do this your recovery will be so much better. So taking the time to get in shape. Prior to surgery just like taking the time to get your finances in order prior to going in taking deep dive into plan. Is really the first step. So. It -- the outcomes are always better when a patient is in good shape to go into surgery. In the outcomes are always better financially. If the client is willing to take the necessary steps -- I think even the most. Basic things I am willing to bet and -- whether right or wrong here but that the most people. In their household finances. Don't even have a budget they have no idea kind of what they spend and you know basically just hope that you know at the end of the month there's still some money -- it's exactly right. We -- it it is it's shocking to even people who are very wealthy. Really. Are are not discipline in the way they strategically look at. There finances they today so I guess one of the things that that you do when you start work with someone if you sort of start to. Help them build that type of discipline right exactly not only do we make it. Static when making dynamic we we have a software system that we refer to as the -- three command center where when you turn on your laptop just like you and I have in front of us right now. We just hit a button and on our web page. Www. M three AG dot com you can see it. It is it do you view a dynamic daily interactive look at everything you have so every pass that you have -- -- -- -- -- with -- with -- another advisor. With the bank. With a brokerage company. It all feeds in life everyday. 24 cents Alberto officials all the Datsyuk I think it shows a list -- says okay here's our break if he is -- you but dynamically what people can do is you look at it every day your concern about -- change -- last year counts changed its -- and you can see everything once by EC everything. And just like on your health team. Oftentimes. You're providers in your health care professionals and talking to each other every day. In the and three command center they are talking to each other every day so you can look at and see well how does my Bank of America account. Vs -- -- Wells Fargo account vs private bank vs whatever you have so. It doesn't really matter to us where your money is what we want to make sure his do you have control. Well I think that's I think that's huge that's a huge advantage for anyone who's trying to get their financial house in order so to speak to she got an information. Absolutely you know -- the medical world you know we've got to get information for patients that's really what I hear you saying he can do your clients you know the frightening part about it Stephen was. A lot of people did not see the downturn coming. In the information part that they took for granted. Was they thought regardless of where they were they were going to be okay and what we found was that they were people who were weight overweight they were. -- retirees who -- week too much money in the inequities we too much exposure risk. We'll talk about the ball doesn't exactly what I -- really get into an investment strategy that you. The Q what he allocate we're gonna take a break here and -- -- back -- really wanna talk about. What specific type advice that you they choose you you give clients that him three advisory group. This doctor Stephen -- host the men's health only -- remember learn more about my specialty which prostate disease and prostate cancer. Go to DR CRT DR MCI ON TI dot com. Or call our offices mass -- urology division of Greater Boston urology were in Milton Massachusetts. Port 617696. One EQ six. Send your questions to. Wrko.com. Slash -- men's health and I'll answer either by email or on the year. Stay tuned we'll read -- that the John Jeffries a M three capital advisors and we're talking today about. Help the -- stay tuned we'll be right back. Welcome back this is doctor Stephen -- followed and director of the Sierra deep prostate Centre of Boston mass may or reality. And your host of the men's health delinquent. Today we're talking about. Health and wealth and its relationship my special guest is mr. John Jeffries -- -- three capital advisors. And it Newton Massachusetts. And we talked about this -- this relationship. Of how health and wealth are intricately related. And we really talked about a lot of similarities in what I do as a as a position in what John does as is a a wealth and capital I capital investment advisor. And it really starts with that we talk back starts without a detailed analysis. Where we are what the problems are. And that sort of that provide any plan for the client so -- let's let's pick up -- that again you know some income to see you. And you know there's a lot of people and in the you know -- the wealth management investment business they're all over that we are all over the place. And so -- -- three. What makes your approach. I'm really special and unique we differentiate. Through a number different things. Statistically. We have a tremendous amount of information about the clients profile. About who they are where they are in we get that through as they said earlier we talked about twenty years of detailed analysis. In and we have that. M three command center as our DNA so. When you when a person comes in and they they do. It needs analysis or we do an annual review quarterly review. We get to know specifically. What type of individual in the what -- an investor they are what their needs are what deal. What they'll have what they want just like. In your business you talked about blood testing and various sample sizes we have a very broad sample says that we can drill down. We find it. Very important to really understand what a person's needs our goals and objectives outlined weird they are and what they. Need to get them to where they wanna be. So. What we tried -- we talked about earlier is. You wanna have discipline in your business -- teach Europe. Your patients that they have to be disciplined in terms of eating and exercise and health. In our business we talk about staying invested we drill down. You talk about you know being making the right choices reducing your fat reducing your sugar is reducing your yourself. Intake we teach our our our clients don't chase. You know there's been IPOs recently. -- and people you know love to Scalia but -- I do I don't any FaceBook you know we we had. A a very. Very detailed analysis of of FaceBook a couple of years ago when he went public in an hour. We went way out on a -- at the time and told our clients we will not by any FaceBook at the IPO. And clients called us back some did and said why we we told them why. Our analysts our internal team thought it was not a good good -- value with time we turned out to be to be right so in the worst. All of that with twitters saying same things that you know -- inside unit of the IPO price may congratulations. Like this -- first live on the retail side of that market most you know we don't have -- ability they get in that price. We came in after -- prices way up and of course all we can do -- lose money right. And in and we did. We did in give Jason Hanson our analysts credit. We did decide to go back in by FaceBook after the IPO in and Jason was right in we have this ongoing thing that. Who's smarter in the office Jason and mark. Myself know it yet have to give Jason -- plug for that so. The what we do is we we don't chase we don't want our clinched chase. It's great if you have a lot of money you wanna take a very small amount of that money. -- allocated to to risk capital that's fine you can do that all day long but we we wanna be Smart we wanted to have our clients stay invested. We wanna be able to mitigate risk more importantly. We talk to our clients about maximum dried out we talked to our clients about having their seatbelt on but also having an -- in their portfolio. We we are big components. Proponents excuse me. Of of being diversified properly but also having the ability to turn your investments are going to cash right away if need be. And that's what helped our clients dramatically. In 20082009. To shore because that you can do a great job and investing but if if you don't. -- manage that properly when that market. Goes down and eventually all markets go down at some point right they do you know you don't get the right time then all that well that's all for -- right. -- we have a very disciplined approach to -- using. Vaulted to reducing volatility and having volatility. Really understood by all of our clients so. We had a recently we had a an investment committee meeting and we were we're we're a little bit behind the S&P average were part of our our money this year. And we have two very very bright interns who one from Boston College one from Boston University. Who are came to -- and said my god you're your clients you know. -- you gotta look at this your your clients are going to be happy we're we're 2% behind the S&P for this particular segment and he said no and -- know that they're not going to be. They're going to be mad at all that's exactly where they're supposed to be. The average person in this segment is 74. Years old. So we have saying we have we have our discipline segment to be I imagine that you're 74 the last thing you wanna do is. -- capital -- salute army YouTube and I have a two more conservative strategy right absolutes or so a year -- sugar flexible than on what the the needs of that that person all right correct and so the same way that you know I'll council of fifty year old man -- -- seven year old man differently. But I imagine you will as well. We doing and we take that into consideration so age and stage in in their ability to replace capital. Either by working their savings it is very different that fifty year old verses that eighty hero. So the eighty year old when you report the -- to the eighty year old that they made fourteen point 4% this year there's just ecstatic. And and the happy because they know they're disciplined all of what we said we were going to do I think that is one of the of the primary tenants. Of meeting with any financial advisor did they do what they said they were going to do. So that for us is critical we are we're we're never gonna take our eye off the ball in terms of what's important to you. -- while I think that becomes -- so many people only look at it and I guess the upside right now in other words you know how much percent gonna make in my investments. It without ever looking -- what that risk is because as we learned through the recent. You know economic debacle really is that that can go away. Very quickly it very quickly and a lot of people lost really not just fortunate average people. Who have you know their pensions -- -- a pension funds go down by as much as yeah I'd imagine but just 50% in the corrected its and it's not just the millionaires are talking about what I would -- every -- people made. We do we we talked the everyday people about maximum draw down. What can you afford to lose and when people say I can't afford to lose 1015%. We have to change our investment strategy based upon the needs. Listen this is fascinating conversation where were coming against the break here's to take a break we're right back with John Jeffords were to talk more about. Help the wealth relationship with combat where -- talked about very specifically. About some strategies and I think everyone out there can use to state to visit doctor Stephens county out of men's health the only one. Remember to learn more about what we do prostate cancer prostate -- go to DR COT dot com. We'll be right back with mr. John -- stay -- Even syrupy founder and director of the syrupy prostate Centre of Boston in your -- up. The men's -- -- England. And today we're talking with mr. John Jeffries of M three capital advisors were talking about the health wealth relationship. John has given us some great insight. It isn't the importance of wealth management and we're never bring John back or talk a bit more about this as we finish up this last segment Michelle. John I think one of the things that I wanna make sure the our audience gets is that. You know. Financial planning. Asset planning investment it's not just for rich guys right. Absolutely -- for everybody I think that's a misconception right so you know anyone can take advantage of this kind of services that you -- it's important right. Absolutely. You know for for anybody for the for the for the twenty year old who's just starting into their 401K plan for the thirty year old who's just thinking about starting a family for the forty year old who's worried about. Putting some money away for the kids' education to the fifty year old who's got the kids in school who's looking at now after the kids are out of school for retirement. The M three command center and again the website. -- three AG dot com. You can see the dynamic nature of the rule of of what we do and how we do and how we drilled down so. It doesn't matter of the persons -- stage but he -- it does matter what's important to them and we. We are very consistent about making sure a person. We understand what's important to them and and what's important to them may be providing for their parents are providing a secure. -- an environment for -- aging parents for their. For their or for their kids earlier you know many of our clients have children with special needs. In and so we do a lot of special needs planning because that child is going to be dependent upon the apparent for the rest of that child's life. So we devote a big segment of our practice of that type of detailed analysis. What that means financially. As we talked about volatility and we we put. Volatility in a box and we make sure that we have an investment profile and you can -- on the command center that we have a very unique. Approach to putting the volatility in the box and make shoot as we said earlier making sure that your portfolio has an airbag. We have a strategy that utilizes the different nine different exchange traded funds -- Very low cost very little volatility. We have the ability to turn the segments on and off. On a weekly basis so we can see based upon what our signals Telus. How the market is doing where the transit. And should segment say consumer discretionary war. Or consumer disposals -- Consumer staples rather be turned on -- be turned -- utility should be turned on turned up so we can get people in and out of segments. Very quickly. Without a lot of cost. So again I'm kind of a novice at this but it sounds like instead of betting on any one particular stock -- you're you're you're looking at you know -- more or a class of a class of a class of company's class segment of the economy. And in your basically designing them you know -- -- and Al -- I'm sure we do that did and metrics tell you when to turn it on and off a win investments move. From one -- into another. And that's that's that's dynamic happening changes all the time right you're absolutely right. Yeah it it's dynamic in in nature and buy it it has to be by the very nature of investing in by the very nature of the of the investment philosophy. We we give it the ability to be very flexible we give the ability to conform to what a person's needs are what their goals are what their objectives are. And also to be very sensitive to cost. So we can do it for people who are in their twenties we can do for people who are in their eighties. -- it works very very well we also do have the discretionary. Means to to do what ever we want -- A client's money. But we also have the ability to really listen and make sure that what we're doing. Is suitable number one for what the -- goals and objectives are. And we make it so. That it's easy to understand that as we talked about earlier they can see it every day when they flip on their computer they they go to it. They can see how it's performed what if it's doing exactly what has posted. You know I think so often with our retirement accounts especially. Most people like I'm betting don't look at that more than a couple of times a year and they really don't pay attention to it. They assume that there okay my investment guys handle in this -- my retirement planning person's doing this. Well sometimes they do and sometimes they don't write sometimes that works but it it sounds like in 08. People can they know exactly what's going on on a daily basis. -- information there. And so I guess you guys have to perform right we do performance is part of of of our job. We -- we want to perform but we what we. Want to be clear about is we perform to your goals not the goals that are that that you might read about in newspaper not the goals of the -- that there are some people who are are really caught up in chasing. Returns and chasing the S&P returns we want you to be more worried about. We want to be worried about can you lose if the market turns. In if you can't afford to lose if the market turns we want to make absolutely certain we have the ability to get you out of the market very quickly. Rule over a very went by our eighty year old client said. As Warren Buffett said who rules have been two rules of investing and rule number one do not lose my money. Rule number two when ever -- refer back to rule number one. So -- a you know I think that's wise wise advice. You know. This is this a fascinating topic I think it's often not spoken about in the context of health. But I think what's clear from our discussion today John is that. You know the two are very intermingled. You know and ordered to have play you know you know true I guess however you might just define his success in your life or feel secure. He going to be healthy got to be able to do what you wanna do. Both at work in terms of your ear recreation. In in and basically. Feel good about yourself. Now part of that. It's also haven't if financial security really you know I don't have to worry about that I've got that handled. So that when the time comes you wanna slow down. You wanna take -- your parents who needs are. That that that that ability. Is there and I guess that brings a tremendous amount of security to somebody it does it. And and what happens is if a person is insecure if they have a high level of anxiety about their finances or are there their personal situation. That leads as you said earlier and you -- in your practice all the time that leads to things that can break down around them. And what we're seeing in and specifically we talked earlier about this this article in and maybe some day this this book that we're writing is. There is a staggering correlation in our society right now to. People who are seeing their their bodies break down for the first time in their -- in the late forties and fifties or sixties into finances so. You know we we talked earlier about what what led us to this. This conclusion as the number of people that we do business -- as their aging if their finances are not in order. In their bodies are breaking down there anxiety is going up and open up. And -- compound. USC although I think this is this has been a great discussion you know -- I would call you doctor Jeffries can you know lead to a lot of what I do you know and so you know instead of doing blood tests and MRI to prostate biopsies. You're really you're really do -- -- you know an in -- financial analysis you give people prescription. In the end of the day you know these two are highly related and a great segment. And John thank you so much for visiting with us on men's health the wind is just to John Jeffries. And John as a managing director of M three -- capital advisors there web site is. -- three AG dot com website give them call their new and their number is 781. 3712671. Again 781. -- 3712671. Doctor Stephen -- your host of men's health knowing when we'll be right back to wrap up our show. John thank you so much to visit us today and Mel's help knowing when ducks unity thank you very much for having me. You should between health and wealth today in my guest mr. John Jeffries laid it out beautifully for you. That there is going to be a diagnosis of planned a prescription for financial security. And I can I can attest to what they've got one of their clients sell the M three command center. Fantastic information it's what you need to tell you what's going on in your life financially so. Please stay -- to our show every week grind at the same time we'll talk about your relationship. Especially my passion prostate disease prostate cancer. We'll talk about issues and. Port and a men's health now submit your questions to wrko.com. Slash men's health. An -- more and more about prostate disease and prostate cancer please go to my website at. It DR CIA DD RS EI ON TI dot com. At the Xeon. Weren't 100 highland street in Milton Massachusetts. The number for our senator is 6176961826. That's 617. 696. 1826. Well again thanks for -- would back the same time next week we'll talk more about topics important -- men's health.