← So Money with Farnoosh Torabi
So Money with Farnoosh Torabi
1764: Ask Farnoosh: How to Negotiate Work Benefits, Paying Taxes on a Bitcoin Sale and More
00:28:23
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- [00:00]
Jonathan Fields
We all have dreams. Dream home renovations, dream vacations, or sending our kids to their dream colleges. But finding straightforward ways to turn those dreams into realistic goals, that's where things get tricky. Mayrill understands that. That's why with a dedicated mayoral advisor, you get a personalized plan and a clear path forward. And having the bull at your back helps your whole financial life move with you. So when your plans change, Merrill is with you every step of the way. Go to ML.combullish to learn more. Merrill, a Bank of America company what would you like the power to do Investing involves Risk Merrill Lynch, Pierce Fenner and Smith Incorporated. Registered Broker Dealer Registered Investment Advisor Member SIPC Hey, I'm Ryan Reynolds. Recently I asked Mint Mobile's legal team if big wireless companies are allowed to raise prices due to inflation. They said yes. And then when I asked if raising prices technically violates those onerous two year contracts, they said what the are you talking about? You insane Hollywood. So to recap, we're cutting the price of mint unlimited from $30 a month to just $15 a month. Give it a try@mintmobile.com Switch $45 up.
- [01:10]
Farnoosh Torabi
Front payment equivalent to $15 per month New customers on first three month plan only taxes and fees extra speed slower above 40gb details so money episode 1764 ask Farnoosh.
- [01:22]
You're listening to so Money with award winning money guru Farnoush Torabi. Each day get a 30 minute dose of financial from the world's top business minds, authors, influencers and from Farnoosh herself. Looking for ways to save on gas or double your double coupons. Sorry, you're in the wrong place. Seeking profound ways to live a richer, happier life. Welcome to so Money.
- [01:48]
Welcome to so Money everybody. Friday, December 20, 2024 before we get things going, I just want to say Happy Birthday to my BFF Kathleen Kate. We call her D. Whom I met in college first day of school at Penn State and I write about her in a chapter about FOMO in a healthy state of panic. And I just love her. So I wanted to kick off the show on that happy note. It's a big month for birthdays. In fact, my sister in law Hannah celebrated her birthday on December 15. My husband's birthday is tomorrow. He's a winter solstice baby and my son actually is a summer solstice. He's June 21st. What is that about? My son actually asked me. He's like why? Why did that phenome. I didn't have a good answer other than just I don't know. Good luck. This is going to be my last new recording of AskFarnouche in 2024. Subsequent AskFarnouches, they're gonna fall on holiday weeks and we're gonna play some replays, some goodies, some oldies but goodies. So today is my last chance to go into our mailbag and get your money questions for 2024. It's also our last opportunity this year to see who left a review and give that person a free 15 minute money phone call with me. It'll be in the new year, but we're gonna announce that and I will continue these traditions in 2025. We're entering our 10th year of so money. Can you believe it? I can't. And I'm still trying to figure out how to commemorate this moment. One thing I have decided, though, is that I want to. What I've always learned from this show is that it gets only better when I lean on my audience. That's how the show improves. And so starting in January, I'm going to enlist your help. If you've been listening to this show for any period of time, whether it's been the whole 10 years or 10 days, I want to and in particular, I want to understand how the show may be helping you or has helped you go through a financial transition, make a financial move, become more financially empowered. We've had some of those guests on the show from time to time, but I think it would be so cool and so meaningful to share more about who's winning, who is so money right here in our audience. So if that's you, let me know. And same way as you get in touch with our mailbag and reaching out to me for these Friday episodes. You can email me furnoosh@somoneypodcast.com you can direct message me on Instagram and There's also an AskFarnoosh button on our homepage at SewMoneyPodcast.com Lots of ways to reach out to me, but if you would like to be featured on this show for a whole episode or just for a little bit sharing your anecdote of how this podcast has enhanced your financial life in some way, please get in touch. I'd love to know and I'd love to share it with our audience. We have questions today about bitcoin. Believe it or not, Lori in the audience has just received the gift of bitcoin worth about $18,000. And she's wondering, because she listens to this podcast and she's financially responsible, what is going to be my tax responsibility when I sell this, when I sell this currency. We have questions about how to negotiate benefits with your employer, ways to invest in your health, and do you have to pay taxes if you get money from a whole life insurance policy and not a death benefit? We'll get to those questions in a moment. First, let's talk about what aired this week in case you missed any of our episodes. On Monday, we sat down with Jessica and Brandon Norwood. They're the couple behind the Sugar Daddy podcast, married couple. And we talked about the importance of sharing values and financial alignment in your relationship. We talked about financial deal breakers when you're dating or married, what it's like being a female breadwinner. And the couple had a bold take on affording kids. Jessica and Brandon Norwood. Following their work for a while, I've been a fan, so it was really nice to have them on the show and spend some time with them. And on Wednesday, we talked about the importance of finding balance in your life, in your career with Faye McCrae, a woman whom I've known for a number of years. We met during a work conference and little did I know she was experiencing a bit of burnout. Fast forward to today. She's left the corporate world, she's become more entrepreneurial, and she's got some really important advice for anyone out there who's struggling to walk away from toxic work culture, from burnout, or anything else that is just not suiting you and how to start fresh. A quick announcement for my authors to be in the audience. So I am speaking directly to you authors to be those of you who have aspirations to publish books in the near future, specifically nonfiction prescriptive books. My Book to Brand workshop is coming back in 2025. It's going to be held in New York City on March 7th. We have our early bird discount, currently ongoing. It's an invaluable opportunity to meet literary agents and publishers and editors and fine tune your book proposal. And if you have any questions, just email me Farnooshitsomanypodcast.com about it and I'll respond ASAP. And the website that's important, you can go to booktobrand co. Booktobrand co. All right, let's go to the Apple Review section and pick our reviewer of the week. I still haven't heard back from the person who left the review that I announced last week, Xtrophy, who just wrote Dig it and her vibe is great. I would love to connect with you. So whenever you listen to this podcast and you hear your name, Xtrophy you left the review on December 4th. Email me or direct message me on Instagram and I'd love to extend a free call to you. Today we're going to say thanks to the Val who left review not too long ago, saying she loves so Money. Farnoosh is informed, insightful, level headed and relatable. Her guest interviews give me inspiration as well as food for thought. I've learned so much from so Money and I will keep tuning in. Thanks so much theval. By the way, if the show has helped you make any big financial decisions or improve your life financially, get in touch. Let me know because maybe we'll feature you in 2025. At the very least, get in touch so that I know to extend to you a free phone call so that we can talk about whatever you want. Maybe your goals going into the new year. We'll talk at the top of the year and I can't wait to meet you. All right everyone, are you ready to answer our money questions? Let's hit the mailbag. Our first question comes from Lori in the audience who has a question about bitcoin. She says farnish. My mom transferred slash gifted bitcoin to me this week. About $18,000. Woo hoo. We know it isn't taxable now, or we believe it isn't, but if and when I sell it, how does that work? Will it be taxed at the transferred value or otherwise? All right, Laurie, so I had to look into this for you. I had to go and check out what the IRS says about bitcoin because, you know, I'm not really following bitcoin. I did. I've done a whole series on cryptocurrency on the podcast, and my thesis has remained the same since that series aired about a couple of years ago, which is that, you know, cryptocurrency is very new financial terrain. It's highly volatile, it's highly risky. And of course, now that we're seeing the price of bitcoin go up, those who are the naysayers of bitcoin might feel somewhat sheepish. I don't. I'm like, you know what? That's to be expected. Sometimes it goes up, sometimes it goes down. It's not something that I'm going to look at for building true wealth. You know, if you have extra money to throw at bitcoin like you would gambling or other sort of unpredictable financial turnout, then go for it. Look at it as this very volatile, risky endeavor. Not something to really build a solid financial foundation upon. Right. Are people going to get super rich off of cryptocurrency, particularly bitcoin. Of course, many people have already, as did people who bought Amazon for $5 a share or who bought real estate in 1960. For the most part, people build wealth in this country because they stick to a plan. Investing in tried and true investments, creating a diversified portfolio and investing a little bit at a time, not taking huge risks, not putting too many eggs in one basket. So in this case, Lori, I envy you. You know, this bitcoin was essentially gifted to you by your mom. Question is, how will this $18,000 be treated by the IRS? So first things first, just to level set, Bitcoin, although it's a currency, is treated like property when it comes to tax regulation. Bitcoin and other cryptocurrencies classified as property for federal tax purposes by the irs, and as such, they are subject to capital gains rules. The key here is understanding the concept of cost basis. When your mom gifted you the bitcoin, she also transferred her cost basis to you. And what is this? It means you inherited the price that she originally paid for the bitcoin as your starting value for tax purposes. If you sell the bitcoin for more than this original value, the difference is considered a capital gain and it will be taxed accordingly. Short term term if it's held for less than a year, long term if held for longer. On the other hand, if the value of the bitcoin was lower at the time of the gift. So if it was, she paid more than $18,000 and you sell it at a loss, the IRS might adjust the cost basis to the fair market value at the time of the gift for calculating the loss. Just really important. You want to make sure you get the details of your mom's original purchase price because this is going to be a factor. It's going to be a critical factor when you report the transaction and it's how your taxes will be decided. And if you're unsure about any of this, always say, consult with a tax professional for more guidance. But I think it's pretty straightforward in your case. You really want to go back to your mom and ask her, how much did you pay for this? Do you have receipts? Then hold on to that when you go to sell it. If you sell it for more or less than what she originally paid for, then that is what will decide your tax impact. Coming up after our short break, we're going to talk about how to negotiate benefits at work. From your salary to your 401k potentially, and even equity. Getting a piece of the company pie. Also, smart ways to invest in your health more coming up after the break.
- [12:23]
Ryan Reynolds
Last Christmas I gifted my mother this gorgeous cashmere sweater in a beautiful burgundy and she still talks about it. It's so nice when you can get someone a gift they wouldn't necessarily get for themselves, that little bit of luxury that they don't know they're missing.
- [12:36]
Farnoosh Torabi
And can you guess where that sweater was from?
- [12:38]
Ryan Reynolds
For quality gifts at an affordable price, my go to is Quince. Quince lets you treat your loved ones and yourself to everyday luxury at an affordable price. Whatever you're looking for, all Quince Items are priced 50 to 80% less than similar brands. How do they do that? By partnering directly top factories and cutting out the cost of the middleman, which passes the savings on to you. Quinn's is on the nice list. They only work with factories that use safe, ethical and responsible manufacturing practices and they use premium fabrics and finishes for that luxury feel in every piece. Gift Luxury this holiday season without the luxury price tag, go to quince.com SewMoney for 365 day returns plus free shipping on your order. That's Q-U-I-N-C-E.com SewMoney to get free shipping and 365 day returns. Quince.com Quantity so money have you ever.
- [13:28]
Farnoosh Torabi
Experienced a dry, itchy scalp?
- [13:29]
Ryan Reynolds
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- [14:38]
Farnoosh Torabi
The flavor, the tradition and the spirit of Carne Asada lives on at Del Taco. Join the Asada today with Del Taco's new limited time half pound chipotle carne Asada steak burrito. Packed with sweet, spicy and smoky flavor. Wrapped up and grilled to perfection, the whole Carne Asada steak menu delivers the bold flavors you crave with epic burritos, loaded fries and street tacos starting at just $2.99. Only at Del Taco.
- [15:07]
Nah, not quite. What's up?
- [15:09]
Jonathan Fields
Sell my car in Carvana. It's just not quite the right time.
- [15:13]
Farnoosh Torabi
Crazy coincidence. I just sold my car to Carvana.
- [15:15]
Jonathan Fields
What? I told you about it two days ago.
- [15:17]
Farnoosh Torabi
When you know, you know, you know. I'm even dropping it off at one of those sweet car vending machines and getting paid today.
- [15:24]
Jonathan Fields
That's a good deal.
- [15:25]
Farnoosh Torabi
Ugh. Great deal. Come on. What's heart saying?
- [15:28]
Jonathan Fields
You're right.
- [15:28]
Farnoosh Torabi
When you know, you know.
- [15:30]
Jonathan Fields
Sold.
- [15:30]
Farnoosh Torabi
Whether you're looking to sell your car right now or just whenever feels right, go to Carvana.com and sell your car the convenient way. Terms and conditions apply. Next, a question from Mary who writes in. My question is about negotiating salary and other employee benefits when working for a small family owned business. I'm lucky. My employer has given me a 6 to 8% raise every year I've been with them. However, I know this may not be sustainable for them and my yearly raise may eventually reflect the rate of inflation they offer. A simple IRA with a 1% match, which isn't great, but better than nothing. I contribute to that, plus health insurance along with paying for my gas and cell phone bill. Are there any benefits I could be negotiating? My biggest question is should I consider negotiating equity in the company to set myself up for the future in case they sell the business? Thanks in advance for your expert advice and helping other women like me get rich. Mary, thank you so much for your question. You're doing a really good job reaching out, advocating for yourself and I'm happy to know that you're getting some bit of a raise. 6 to 8% is above average. Typically employers give a raise that's commensurate with inflation, although not when inflation is high. Right. They usually just keep it at like 2 to 3%, like target inflation. So 6 to 8% is above average. But I would like to see you making more eventually, like in the law, in the grand scheme of your career life, that is not going to be, I think, significant increases. Right? So here are some ideas for you. The first is, can your employer do anything to enhance your current retirement plan? Can they increase the match in your IRA to 2%, 3%? This is actually an area for negotiation. And I think, in fact, with a smaller employer, it's at least a faster conversation, It's a faster line to the people who are in power to ask these questions. And before you go with your asks, I would actually talk to your colleagues about this and see if there's other interest of working together to create a proposal for your company. It is more compelling for your employer and even a little bit more pressure, good pressure for them to listen to you when they know that you have the backing of your colleagues. And frankly, increasing your IRA match, it might be more manageable for them than continually giving you large raises. So another thing you could negotiate with them is tying your bonus to your performance so that way they don't pay you more until you help them make more money. And I'm not exactly sure what you do, but are there ways where you can actually measure your impact financially? So, for example, we've had people reach out on this show who are in college admissions and, and I remember very specifically, one listener wanted to make more money and her college said, sorry, we can't give you more. She said, but what if I bring in more applicants? What if I can increase our admissions by 1% or 50 more kids, if we can absorb that? And I'm helping to get us to that point, at that point, I'd like to structure a bonus where I'm making a bonus tied to that extra enrollment. And they went for it. So think about your role, how you are directly or indirectly impacting the bottom line. And if you go above and beyond your deliverables, your expected deliverables for the year, then tying a bonus to that might be more doable for your employer because in their mind, well, you've helped them make more money, so they're going to give you a cut of that. Some other benefits to explore, how about professional development opportunities covering certifications, memberships, conferences? How about additional paid time off, off. How about wellness benefits or even flexible work arrangements? So these aren't the sort of things that will put money in your bank account necessarily, but investing in your education and professional development will allow you to then be in a position to make more because of that, right? You might meet people that might hire you for bigger jobs and don't tell your employer that that's your goal. But you know what I'm saying, right? When you invest in Yourself, with the help of your employer. It's, it's a long term investment in your income frankly, and your career positioning. And then of course, getting more paid time off or getting a flexible work arrangement. It's not money back in your pocket, but maybe you can leverage that flexibility to be able to cut costs somehow in your budget. I know some parents who have Fridays off, for example. Well, that's one day they may not have to get childcare. So I'm really just encouraging you to think about benefits that may not be direct financial positives, but do lead to a richer life. Now as for equity, if you think that the business is headed for a sale, then I think it's an interesting conversation to have. I will say though that family operated businesses can sometimes be hesitant to share ownership. So. So in that case, if this is important to you, consider proposing profit sharing or phantom stock instead. And what this does is it ties your rewards to the company's financial success without requiring them to give up ownership stakes. So if you want to go down the equity route, make sure that you understand the company's financial health, their goals, have a clear agreement about how your equity would pay out if the business was sold. And again here working with your colleagues to come up with an overall like employee plan. Because if they're going to do this for you, they may have to then start doing it for others. So if you can actually do the legwork for them and say, here's what we would actually like. I've talked to our senior leaders, we've taken a survey, here's what we would propose that's more meaningful. And I think that also skips a lot of steps and saves you time. Ultimately, just whatever you're negotiating, frame it as. I want to stay here, I want to be more invested in this company and I would love to learn how flexible you can be with our retirement plan and other sort of benefits and the equity. But in many of these cases, I think talking to your colleagues ahead of time to kind of get the temperature in the room, so to speak, and see if they would have your backing, going in as a collective is far more powerful than going in individually with an ask. Thanks for your question. A question from someone in the audience who's just earned their PhD, which by the way is quite a few of you. When I surveyed you towards the end of last year, I asked about your academic background and I think about 10, 15% of you have PhDs. We have a very fancy audience. This person is now entering the job market and has maybe Some concerns, which I don't know why I would think that with a Ph.D. you're highly qualifiable. But also at the same time, it's probably a very competitive landscape. Like my father has a PhD in physics and it's a very specific type of physics. And I know that for him, when he got laid off in his early 60s, it was rather difficult to go back and find a similar job that paid a similar salary, that had a similar role. There are only so many people at his level and so many employers that want to employ people at that level. And so he had to pivot a little bit. He's fine now. You can actually listen to that episode on so Money, Adam Turabi, you can Google it. And so now our friend here in the audience, not in their 60s, in their early 40s with a PhD, wondering if I have any tips for how to navigate the job market. So number one, if you haven't done this already, it's really important to clarify your goals, really define what kind of work you want to be doing, who you want to be working for. Because with a PhD you could very easily, well, maybe not easily, but you could, a very viable path is to go work in academia. You could teach, you could become a professor. I know those jobs are very competitive, but if that's what you have your eyes set on, that's one option, then there are options in the corporate and non profit world, right? And so really making sure that you are clear on which path you want to take. And yes, you can pursue multiple paths, but there's probably one path that you're more excited about, you're more passionate about. I would suggest that you start there if you haven't Already, update your LinkedIn, your resume. Your PhD is really special and I want that to be highlighted. And I think that's really, it's a standout in this job market. Detail your PhD research and other relevant experiences. If you were a teacher during your time during the program, that's also very applicable to the job market. Leadership skills there and then networking. Your university, wherever you got your PhD, hopefully has a built in network. Your classmates are huge resources for you. I know I don't have a PhD, but I have a Master's in Journalism. To this day I'm very much in touch with my classmates and to this day we very much help each other out. Even now, 20 years later, I can't believe it. So lean on your classmates. And then I would also reach out to headhunters and maybe even a job coach. But Definitely a headhunter. Again, you have something special, you have a very special degree. You are an expert and you should get paid for that. And there should be some competition. You should have multiple bids. I mean, I would be very, very excited if I were you. I say this not knowing which industry you're in. The recent jobs numbers were not so hot. But obviously we have to take this and look at it specifically through the lens of the industry, the market that you want to work in. But I'm only here to cheer you on. I'm very excited for you. And one last thing I want to say about people who, whether you have a PhD or a master's or you have a double A major and you spent a lot of time in higher ed and now you're just emerging back into the job market, there may be a part of you that's feeling disconnected, wondering if people are going to judge you because you haven't been in the job market for a while. Like being in the academic world and the theoretic world, that might be a little bit of an insecurity. I definitely had that when I got out of graduate school. But there are so many transferable skills that you have. Again, as a PhD candidate, there's incredible research, you've built up this expertise, you've worked with probably a small team, you've perhaps taught and you have taken an idea from start to finish right with your thesis. That again shows a lot of hard work and dedication and willing to take risks, a willing to experiment. You're a critical thinker. These are highly valuable skills, traits to include on your LinkedIn in your resume when you're talking to a job. Make sure you highlight all of that and good luck to you. All right, next up, a question about the best ways to invest in our health. What are some things that we can buy, we can do, we can invest in for longevity for mental health and well being? Well, one is preventative care. Regular checkups and screenings to see if you have any health issues early on, make sure you do have health insurance. I mean that is the I think number one way to invest in your health to have access to medical professionals and care. Early detection, taking care of issues today, not only a lifesaver, but saves you significant amount of money in the long run. And then we know the benefits of sleep. We talked about this earlier, but a consistent sleep routine, a comfortable sleep environment, this impacts both your physical and your mental well being. I think back to the days when I was a new parent and not sleeping in the middle of the Night, I mean, it is real. Sleep deprivation is a real thing. It's dangerous. I have a friend who's now disabled because he didn't get enough sleep one night. And it was actually a pattern. Several nights, several weeks worth of bad sleep, got into a car accident and almost died. Father of five. And this is something that has never escaped me, that reminder of how important it is to rest. And so I take those naps if I'm short on sleep. It doesn't replace my evening sleep, but it's something and it helps me to feel more revived and more focused. And by the way, when you are more alert, when you are more awake and in tune with your body and with your mind, you make better decisions. It's not about just not operating heavy machinery. It's also about when you're operating your finances and your relationships and also treating yourself like having sleep. It is an incredibly free way to invest in yourself and in your health. Now, I know time is not free. And so maybe you're thinking, well, sleep is not free, but you gotta prioritize your sleep. You just have to. And you know, the list goes on. Nutrition, exercise, seeing a therapist, if that's what you need. All of this stuff, it does matter. But I think one thing that we've talked about a lot on, so money is the burnout factor. And so when you're at work and you're stressed, stress is a killer. There's a great book I read called the Upside of Stress. So if you're stressed, how to work with your stress or how to interpret your stress to figure out what it is that you need. And stress manifests in many different ways for people. For me, when I was completely stressed out one year because I was launching a side business and I've talked about it on the show, right? It was called she Stacks. Stacks House was our financial museum in la. We launched the thing, but it was financially so stressful and production wise so stressful. But I started to get an itchy scalp. I couldn't sleep, I was having breathing problems. It was manifesting physically in my body. And when that project went away, I started sleeping better. And it continued to haunt me though, because we had debt. But at least the project was done. And then I saw my body improve, I saw my health improve, I saw my relationships actually improve with my partner and with my kids. It was a time. So my friend, investing in your health, it starts with things that don't cost any money. Creating boundaries. I think that's what I learned about my time on that Project was I just didn't have any boundaries. I was doing everything. I was just working 24, 7, stressed all the time. I wasn't talking about it with anybody, so probably could have used a therapist at the time. I wasn't sleeping. Which we've just discussed the benefits of. And healthcare is really important. It's not something that unfortunately is a given in our country, but to the extent that you can afford even a basic healthcare plan, invest in a basic healthcare plan that gets you access to trustworthy doctors and a medical community because they are the people that are going to be at the front line of seeing the signs potentially before you do so those routine checkups, those regular mammograms, all of that so, so important we know is what can prevent health failure down the road. And last but not least, next question, last question. Do you have to pay taxes if you get money from a whole life insurance policy and not a death benefit? So I looked this up. I don't have a whole life insurance policy on purpose. I don't really believe in them for most people. I think most people just need permanent or term life insurance. It's much cheaper. It expires, of course, after a term. But a whole life insurance policy is very expensive to maintain. It's a complex product, a lot of fees. Most people don't need them. But this person apparently has access to one and wants to know if they start making withdrawals, what does that mean from a tax perspective? So the taxation of funds from a whole life insurance policy, it really depends on what kind of withdrawal you're doing. Now this person said this is not a death benefit withdrawal. So death benefit withdrawals are paid out to the beneficiaries upon a person's death and that is typically not subject to income tax. So this person already knows this. But just to reiterate, it sounds like more of a cash value withdrawal. So a whole life insurance policy, there's a death benefit, then there's this cash value. If you withdraw the cash from the policy's cash value, the amount that you're going to receive, it might be tax free up to the total amount of the monthly premiums or the annual premiums that you have paid into the policy. Any withdrawals exceeding the total premiums paid may be subject to to income tax. But this is something that I would highly recommend you talk to a tax professional or a financial advisor or both for their take. All these policies are very different. They're unique and might have their own nuances. That is what I've discovered and I hope that is helpful to you, my friend in the audience. Thanks so much for tuning in everybody. That's our show for this Friday, one of the last AskFarnouches of 2024. Stay tuned for next week's Week in Review, where we're going to be spott some of our favorite guests that covered important themes. I'll see you back here on Monday. And I hope your weekend is so Money.
- [32:59]
US Cellular
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- [33:29]
Merrill Lynch
Hi, this is Jonathan Fields, host of the Good Life Project, where each week I talk to listeners about investing in their future by increasing their own vitality. But when it comes to those financial goals, whether it be saving for a home renovation, growing your child's college fund or travel, life can make it difficult to stay the course. By working with a dedicated Merrell advisor, you get a personalized plan and a clear path forward. Having the bullet your back helps your whole financial life move with you. So when your plans change, Merrill's with you every step of the way. Go to ML.combullish to learn more. Merrill, a Bank of America company. What would you like the power to do? Investing involves Res Risk Merrill Lynch, Pierce, Menner and Smith Incorporated Registered Broker Dealer Registered Investment Advisor Member SIPC.