About This Episode
Next Mile Episode 131: Why the Future of Advice Is Less About Tech and More About People with Joe Moss. A conversation about wealth management, fintech, and the future of financial advisory firms.
with Joe Moss · February 10, 2026
Next Mile Episode 131: Why the Future of Advice Is Less About Tech and More About People with Joe Moss. A conversation about wealth management, fintech, and the future of financial advisory firms.
[music] [music] Hey everybody, welcome back to another episode of Next Mile. I'm your host Kyle Vampelt, co-founder at Milemarker and today I am joined by Joe Moss. If you haven't seen Joe around the internet, Joe is the founder of Advisor Techbook and I mean this guy is incredible. He works out of an RV by choice and that is where he is calling in from right now on the podcast.
So Joe, thanks so much for joining the show. Thanks for coming to share your wisdom and insights with the next mile audience. >> Yeah, know I love being invited to podcast. It's always an honor and it's a lot easier than running your own podcast.
So this this is like my RNR for the day before I go do my own podcast. >> I love it, man. I love it. All right, so Joe, I ask every person who comes on this show the same first question.
You're not going to be any different. Uh, I've had over a hundred of these conversations on air. I've had more than that off air. And I've found everybody kind of has their own unique path to this industry.
Some people is pretty traditional. They follow in family footsteps. Other people didn't even know this was an industry to get involved in and they came in the side door. But whether your path is traditional or untraditional, we found everybody has what we call a money moment.
That's that moment in your life where the light bulb kind of clicks on and you decide this is it. This is what I want to do with my time and my career. So what was that money moment for you that led you to sitting in that chair having this conversation today? >> So that's interesting.
So I feel like everything in my life I was waiting to turn a certain age. So I wanted to join the civil air patrol which is like the air force auxiliary and you had to be 13 and so I was like 11 12 and when finally I turned 13 and I could join the civil air patrol and then I wanted somehow I got into trading stocks and just interested in the markets. I think it was my grandfather's financial adviser. Somehow I got connected with him.
He sent me a book to read all about picking stocks, probably related to Ben Graham. I think it wasn't by him, but it was in the same realm. So, as soon as I turned 18, I opened a TDM trade account. I started trading stocks and it happened to be the worst time ever to start trading stocks.
I was literally buying Fanny May and Freddy Mack as they were crashing. And you know, you buy them at 30 and you're like, "This is amazing deal. It used to be 70 and then it goes to two or one and then you're like, "Yeah, that was really dumb. " [laughter] It was very apparent to me from my very first experience trading stocks that stock picking was dangerous.
[laughter] Oh man. So, you start picking stocks and then how do you go from picking stocks to working with adviserss and then now really trying to help them make sense of all of the options and optionality that exists out there on the technology side for them. >> For sure. Yeah.
So, I actually went through the civil air patrol and I was also into competitive shooting. I went to West Point, the military academy, and literally was like trading my TDM trade in between classes in the hallway at West Point and I was on the investment club and I went I visited the um New York Stock Exchange as part of as a cadet. I eventually decided I didn't want to be in the army. So, I I left West Point before the 2-year commitment where you owe like eight years afterward.
Then, I finished my degree at West Virginia University. I became a real estate agent because one of my professors was a real estate agent. And I started a contracting company, residential contracting, basically like fixing up houses to get them ready to sell. So, I ran my own construction company for about 4 years.
Sold about 21 houses. >> But I really didn't enjoy the work, like the actual painting and drywalling and and stuff. And things kind of went pretty bad at one point. Just I got in way too much debt, had too many employees, and things got a bit out of control.
So I ended up moving and working in a ER staffing company doing like payroll and stuff for physicians and some of them were making like 60,000 a month and my mind was just like completely blown. I was like I didn't even know humans could make 60,000 a month. Like this is [laughter] this is insane. Coming from like you know making let's say 40 grand a year and paying other people 60 grand a month.
I was like something is not right in my life. So I got into Dave Ramsey financial coaching. I I took his course. I thought I wanted to be a financial adviser, but I am terribly introverted and the whole sales wall is insurmountable.
So I ended up working as a paraplanner for a financial adviser and then I'll I'll fast forward six or so years. So I worked as a paraplanner, a virtual CSA for like six different RAs. I worked at a CRM consulting company for a year and a half currently or was a full-time COO for an RA and then now a fractional COO for an RA and I run Advisor Techbook. I guess this more my full-time thing now.
>> That's awesome, man. Wow, what a story. That's amazing. All right.
So, I want to dive in a little bit deeper to Advisor Techbook and I know you've got all kinds of of nuggets and kind of highlight clips and things you'll drop um sound bites, but as we're recording this, it's pretty much just turned the new year. So, the calendar's just turned over to 2026. Everybody's trying to figure out and make plans around the year. It's very natural for people and a lot of them are looking at technology with all of the innovation and everything happening and and all of that type of stuff.
They're trying to figure out where the puck is going. And I also think specifically with AI, everybody is kind of in some ways playing a game of hot potato because there's so much interesting stuff happening with AI, but a lot of the people I talk to also kind of go, "Well, man, I don't know what to do because if I think I I make a decision or I commit to something, it feels like the week after Google's going to come up with some crazy new update or somebody's going to come up with some, you know, it just feels like everything's happening so quickly, it's hard to build around a specific thing or whatever. So, give us some thoughts on on how people should really be evaluating this and how they should maneuver in a world when not only trying to figure out where the puck's going, but man, the puck is moving so fast. Even if you try to skate where it's going, it still might end up past you when you get to the spot.
>> Yeah. I don't honestly think anybody knows. I mean, I've talked to Parker of Jump and he's like, "Dude, nobody knows what they're doing right now. The venture capital companies don't know exactly what's going to happen.
Kitses and I don't know exactly what's going to happen at the operational level. advisers. Nobody knows exactly what's going to happen. I did get an insight yesterday that was incredibly eye opening.
You know, Red Tail sold to Orion. It was high tens of millions. I don't know the exact number. Maybe 70 to 80 or something.
I'm just making up that number. I don't know the number. Let's just say Red Tail is worth $80 million. I just heard that Jump has a valuation like close to half a billion.
And Jump currently, as far as I'm aware, is simply an AI note ticker. So to value an AI note taker at, you know, 5x the multiple of Red Tale, which had a much larger market share, something's going on that none of us quite understand. And this, I think, is actually super helpful as people think about the future. Yeah.
Well, and I think too, that's part of the problem is, you know, obviously we're speculating here. It's not just junk. I think you have to believe that the story that isn't publicly being told yet is different than we're an AI notetaker, we're an AI outbound prospecting platform, right? There's probably a bigger vision that's being executed against under the hood that is probably going to be pretty disruptive or transformational if it works, right?
I know you've kind of been pretty prominent about saying, "Hey, are traditional CRM still really going to be a thing or do the Jump and the Zox and those people kind of become the new CRM? " >> Right. I think it's very telling that Jump is coming in at a valuation much higher than Redtale sold for. So I thought that Jump and Zach were going to be bothered that Wealthbox was coming out with its own AI note ticker or Red Tail's working on its own AI note ticker, but then I did a podcast where Mark Gilbert and they're like they will never catch up like and we're aiming for something much larger.
I can go ahead and throw my insight in here if you want, but I actually think like if you look at the kids' fintech map and then compare it to the map of Middle Earth, you've got basically two towers, you've got Mordor, Baradur, and you've got Eisenard. So, the two categories in advisor tech basically are prospecting and AI note-taking. I'm going to put AI note-taking as Barader and prospecting as Eisenard. the entire map is going to get decimated.
I've never said this quite this boldly before, but I truly think these large AI companies are going to gobble up as many categories as they possibly can. Go a little further on that. So, why is that your estimation? Do you think that what they're starting with is the foundation of a data model that leads to doing a bunch of this other stuff or what's the thesis behind them gobbling up the rest of the map?
>> I mean, I talking to people recently that's like we're building an AI agent that already is far better than what Holista Plan is doing. Meaning AI note ticker is just one vertical. They will very easily take over tax planning, estate planning, CRM, investment management. I think the reason that they're getting these absurd valuations is because they're actually aiming for literally like an entire map in one AI platform.
>> Yeah. And I think the question is how much do we believe in AI? Because that's obviously the difference. People have tried all-in-one platforms now since the beginning of time with all of this stuff and they've always kind of had some degree of success but never taken over the way that the hype said that they would.
Right? So, are AI agents going to be some sort of magic bullet that all of a sudden, you know, changes all of the complexity that is what has made all-in-one platform struggle in the past? Because I think often times people think this industry is so simple in a lot of ways, like, oh, you just go get somebody to give you their life savings. You put it in a 60/40 portfolio and you go about your day, you go play golf or you go hunt or you go fish or whatever.
And the reality is, as you being a fractional COO, you know this, like there's a lot that goes into getting that money where it needs to be, making sure it's suitable, making sure it's allocated properly, making sure it stays that way, the trading, the rebalancing, the paperwork, all of that type of stuff. And I still think, by the way, the connections with custodians will always be something that is a variable in this whole process. So why do we think just because it's AI agents, right, that that's going to all of a sudden be the thing that tips the scales on swallowing up a bunch of these categories. So there's another podcast in the space called Zero Basis points um by Hake and George Gdat.
I don't know exactly the meaning behind the name, but I think that literally so like let's just think of a 100 basis points. Let's just call the value of advice is 100 basis points. Investment management used to be like 30 basis points. Maybe financial planning was 30 basis points and the relationship was like 30 basis points.
AI I think is going to squash all the technical knowledge down to zero basis points. Meaning you can go on chat GBT free chat GBT and get just as good a financial plan and investment portfolio advice about taking RMDs from a free AI platform. So the value of advice will be zero. the value of the relationship will be 100 basis points.
So the entire value of this industry's proposition is going straight to the human relationship. And this is why I think AI is both incredibly antihuman and also very prohuman. Okay. AI is going to make humans the heroes in everything.
It's going to be amazing. Let me ask you this as you talk about that because I think one of the things we see at mile marker all the time is this challenge of whether it's AI tools or not actually the funny thing is the AI component is compounding this problem which is okay there's a lot of value in each of these things but it's all still siloed and MCPs were supposed to figure this out but people are now also trying to go okay my planning tools coming out with AI stuff based off of my planning stuff like my CRM or my note takers are coming out with stuff my portfolio management company's coming out stuff like my custodians, everybody is launching their own AI tools. And now I feel like I'm going to need something that kind of connects or combines all of the AI tools in some ways. And I also think there's a lot of trepidation in this industry based off of the Schwab and TD deal that happened and several other things where people are very trepidacious about putting their eggs in one basket because of what happens if you do that or you know what ends up happening on the back end.
So what are your thoughts on Okay, great. Everybody's building incredible AI capabilities that are going to be amazing, but now you still have half a dozen or a dozen or more tools that are just doing really cool AI stuff specifically for things. How do you actually connect that into something that is useful and valuable? >> The data is the most important part.
I think it's I am talking to a data lake company. I believe the underlying data is the most important part. having it very well organized, accurate, easily accessible, easil easily queryable and then serving it up to humans in a UI that is just a joy to use. That is the goal.
The question is >> who has the best data? I think Jason Wank's point has been the custodian has the most accurate data. CRM's data is very inaccurate. Advisers just don't keep it up very well.
I've done like 20 to 30 like CRM assessments. Basically exporting all the data from Red Wealthbox and looking at it. Clients aren't accurately categorized. Prospects aren't accurately categorized.
Like the data in CRM is very inaccurate. So I think that's also part of the reason why Zox and Jump are not all that afraid at all of CRM is because their date jump and Zox data is more accurate than CRM's data. Custodian data is more accurate than CRM data. So the CRM I think are in some serious trouble.
>> Yeah, that's super interesting. And yeah, I mean that was not a leading question for us because I, you know, obviously we believe you should have all of the data in one place for two reasons. Number one, it makes all of that stuff more effective. Number two, you can be confident that hey, it's all within your walls, stuff's not going out to open LLMs, like all of that type of thing.
I think there's a big benefit there, but more so to me it was a user experience question of how do I combine the benefits of all of these things that people are shipping and not have 14 tabs open still, right? I'll still end up with a swivel chair experience where it's like, oh, here's my financial planning agent, here's my tax planning agent, here's my custodian agent, here's my whatever agent. And I think that that is an interesting play. So my book this year came out in February 2025.
I took the kids' map. If I pick my favorite company category around 36 companies, I'm launching a new book March 1st. So, we're looking at simply one year. We're coming from like 36 companies.
I think you can run a a very good RAIA with like seven companies. I think that potentially a year or two from now, you'll be able to run an absolutely fantastic RA with maybe three providers. I think AI is just absolutely squashing that, which is amazing for advisers. They will get so much back time in their day.
They won't be going between 14 different tabs. That's my goal honestly with the book and trying to identify the very best players in each category is to simplify advisor's lives. That's the goal. >> Yep.
I think that makes a lot of sense. So then we're just going and diving in here, right? So that makes a ton of sense as if you and I decided to go start an RAA tomorrow. But that we can't overlook the amount of still of inorganic that's happening, right?
where you're going and buying established practices that have already chosen the tech and you're trying to weave and wire all of that in and that's not going anywhere anytime soon. So, how do you think about that? Right? Even if somebody said, "Yeah, Joe, I get it.
Let me pick those seven companies. That's amazing. Uh, but I'm going to go buy this firm over here and we're just, you know, we're trying to go as fast as we can. " Um, it's hard to kind of tie all those things together as well.
>> Put your data in a central location where you can move it around very easily. So, if you have a tech stack and then you're buying a firm that has a different tech stack, connect both tech stacks to a data transportability container. Um, and then move the data anywhere you need. And then the only problem then is training the staff on how to use whatever tool you end up as the UI.
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Hey, next mile listeners, Jessica here from Milemarker. You know, we talk a lot about reaching that next mile in your business [music] journey. But let's be for real for just a sec. If you're an adviser, how much time are you spending wrestling with data instead of actually advising your clients?
I've worked firsthand with tons of advisers over the years, helping them achieve real success and breakthrough growth. But I keep seeing the same roadblock everywhere. brilliant advisers stuck spending hours pulling reports from their different systems, trying to create meaningful client presentations, and struggling to get a clear picture of their firm's growth. Does this sound familiar?
[music] Here's what I've learned. The advisers who are scaling and growing aren't necessarily smarter. They've just figured out how to get control over their data. [music] That's exactly why I joined Milemarker, because they've built a solution that changes everything for how you manage and grow your firm.
At Milemarker, we specialize in three game-changing areas for firms like yours. [music] Streamlining your data management so all your systems talk to each other. Automating those repetitive reporting tasks that eat up your valuable time and creating seamless advisor and client experiences that actually help you grow your firm. The difference is night and day.
Instead of spending your evenings pulling together client reports, imagine having that data automatically organized and presented [music] exactly how you need it. Instead of guessing about your firm's performance, imagine having real-time insights that help you make strategic decisions. If you are ready to stop being held back by your data and start using it to fuel your growth, I'd love to have a conversation with you. We're offering Next Mile listeners a complimentary consultation to explore exactly how we can help you transform your advisory [music] practice.
Don't let outdated processes keep you from reaching that next mile in your firm's growth. Visit milemarker. co co and mentioned the Next Mile podcast and I'll personally make sure to get the insights you need to take control of your data and scale your practice [music] because your time should be spent building your business, not buried in spreadsheets. Every firm, big or small, is existing in this world where there's the war for talent.
And I do think, by the way, more talent wants to go work for Josh Brown and Michael Batnik because they see them. They see what's out there. They see what's going on. I think talent wants to go work for Michael Kites.
I think even Peter Maluke has a personal brand to some degree where he's out there talking about things, sharing his thoughts. But what's your thought on number one, well, it's a twofold question, but number one, how do we get more talent interested in this industry? Obviously, there's more universities setting up financial planning things and all of that, but I just I think the demand is outpacing the amount of people who can help, which is where I think AI is going to be big, but how do we get more people interested? And then if I'm a RAA that people don't know about, maybe I'm an upandcomer, maybe whatever, how do I get that nextgen talent to want to come and join me instead of going to one of the big behemoths or something like that?
>> I want to pause quickly on creative planning. Peter Maluke, Joe Duran, United Capital. Peter Maluke was on stage at Future Proof talking to Josh Brown and said he was not actually out in public telling his own story. He was trying to grow his company without basically telling his own story.
And one of his friends was like, "Dude, if you're not telling your story, someone else is going to tell it and they're going to tell it in a way that you might not approve of. " And so he actually since then has started a podcast, been more much more active on social media, is out now telling Peter Maluke's story. Let me talk about one more personal brand thing and then I'll get to talent which which I'm also very passionate about. One of the best personal brands in the world is Mr.
Beast, Jimmy Donaldson. He's massive on YouTube. He just did a show with Andrew Ross working who wrote um 1929. Uh, and someone asked him, he has the company Feastables that makes chocolate and someone asked him like, "Would you ever sell Feastables?
" And he said no because currently he sources chocolate ethically and any company at all that would buy Feastables would get chocolate basically in a way that he doesn't approve of. So, he will never sell. And I just think that's a very as you're building your personal brand, you have to have some standards. So, anyway, on to talent.
>> Yes, on to talent. I love it. So, yeah. Go ahead.
I think you kind of understood the question. I'll let you I'll let you start riffing on it. >> I think your partner Jud just wrote a piece called like the war on talent and I absolutely loved it and I came to the exact opposite conclusion that he did. The war for talent is huge.
I've worked for like 10 different financial adviserss. The majority of them are very bad at managing people. It's not in their skill set. I think if you want to attract amazing, talented humans that are writing their own stories, you've got to treat them super well.
You've got to pay them well. You've got to delegate to them. You've got to communicate with them well. And I think that's how you'll attract the best talent.
And the best talent is not the talent that is really good at using AI. The best talent is the talent that is really good at using their brains. >> So that's that's my opinion. >> Yeah.
Okay. So that's great. talk to me a little bit about how do we find those people right so is the interview process now different or like what's the assessment look like how do all that happen you know and if I am an adviser who's bad at managing people because at the re I actually still hold very strongly to the idea that most of the firms in our space that are growing a lot were really somebody who started a practice because they wanted to help clients with their financial lives and everything and they became the accidental CEO where all of a sudden you start hiring people I don't think a lot of people have these big visions of I'm going to go build this big firm. I'm going to hire 30 people.
I'm going to do all of this. And so like what is the answer then to solving what you're talking about? >> So the easiest way to do it is to build as you're building your personal brand, you will be building an audience. An audience is an email list, a following on LinkedIn.
You can even take it a step further and build an actual community. I mean, I'm huge proponent of school and school communities. The very best talent you will find are the people that are bubbling to the top within the audience that you're building. School literally has leaderboards.
Like if you start a school community, you will know the most active and helpful and best people in your community because they will be on your leaderboard. That's the easiest way to find talent. I think the other way is just like root financial. have such an impeccable brand and mission and story that like they have a two-year client weight list and they like probably every CFP in America that is looking for a better company is at least like considering Root Financial.
So, just have an amazing brand story presence. It really all comes back to personal branding. >> Yeah, I love that. Okay, you talked about school and I know you're really big.
you're you're like beating the drum on school and I know there's a lot of people outside of our space who are who are big on this. I tend to think of more like course creators or you know information product people or content creators. I guess I don't get the the idea. Like I understand what you just said.
Hey, you can build a community. You can do all of this stuff, but how does that really go hand inand if I'm building an RAIA or I'm out here doing this type of thing? Like are you envisioning, hey, you should have all your clients in there or whatever else? Like I guess I don't get the vision or the idea of being a big proponent of school and I'd love to hear you kind of give me your pitch for it.
>> Uh school is the single best way on earth for a human being to make money. They have the best, simplest, most powerful way to put a product into the market and to sell the product and to deliver the product. There's nothing at all like it. I can prove this.
I started my latest school community. I don't want to pretend like like I did all this in 6 months. I've been building this brand for years and working in the industry for 7 years. But within 6 months, I've gotten to 11,000 monthly recurring revenue, which is the equivalent of 13 million AUM.
So, let's say in 6 months I added 13 million AUM and I've done over 8,000 in um onetime financial plans or one-time payments. So, within 6 months I've added 13 million AUM and gotten 8,000 in financial planning fees on school. Not that I'm a financial planner, I'm just trying to make the comparison. There's very few advisers adding 13 million in 6 months simply because it's a very very good platform to convert, to nurture, to build relationships.
That's why whenever I make a list of the top five advisor tech companies, school is typically above Altruist. I'm a huge Altruist fan. I think Altruist is amazing. But I think that you can charge financial planning fees in a monthly recurring way and you do not need to be managing the AU.
>> Very interesting. Awesome. >> Does that does that make sense or not quite? >> I think that does make sense.
Right. So what you're saying is it's not necessarily a a post working with each other type of community. It's just a hey if we are building a brand and this is something that you're going to take Joe's advice and you're going to start working on building a personal brand even if you don't want to be Josh Brown or even if you don't want to be Michael Kites or something like that you know you should have a place for people to congregate around that brand in some way shape or form whether it's big or small and then that could be a funnel that leads to doing work and business with people yeah school is a private party that you're running so you put your content your ideas out on YouTube Instagram Instagram, LinkedIn, email list. You basically put it out into the world.
Those people come looking for deeper connection or closer access to you and you've got a private party that you've built that's truly changing people's lives. That is what school is. Okay. All right.
Which again, I think if you really if you look at what the RA of the future looks like, and I I'm very bullish on this idea, too. You've kind of talked about it. I think it will be tremendously centered around in-person or authentic experiences. And at the end of the day, what are those clients buying?
They're going to be buying you and your coaching and the way you make them feel and what happens around that. And perhaps school is the best way to to move forward on something like that. >> There's other ways. I mean, I really tried hard to convince kids to start a school community and he went with circle.
I mean, he is starting a kit's community, which is the goal. I mean the platform maybe at the end of the day isn't so important. I think it it's hugely important because of the way school is built. You basically get the network effect of 200,000 communities and all their members in one place.
But yeah, school will be the next Facebook. And also the earlier you get on school, the more money you'll make down the line because if you build a really big community and anybody in your community goes and starts a community, you will make 40% of anything they pay school. So it's like a it's like a onelevel pyramid scheme. I mean there's it's not a multi-level marketing company.
There's only one layer of affiliates, but early adopters act it's like Birkshshire Hathway basically. Early adopters will make a ton of money potentially even money they could retire on if they build a community early. I mean Alex Herozi is is one of the co-owners. He made $und00 million in a day or two selling a book called hund00 million Money Models.
He's the best marketer in the world and he's one of the co-owners of school. It will be massive. Yeah. What do you think is the difference between an audience and a community?
Right. So, if I go out, if I build, you know, [snorts] a newsletter or I have YouTube or whatever else, I mean, these are people who have a way to get access to me. What's the difference between audience and community in your opinion? >> That's actually a really important question because we were talking about organic growth earlier.
The number one way to grow organically is client referrals. The reason advisors struggle with client referrals is they don't have very good relationships with their clients. So, an audience is a one-way relationship. Meaning, I I put out content, they receive the content.
A community is two-way communication. Honestly, every adviser should be building a community with their clients. There should be way better communication between adviserss and their prospect and advisers and their clients. Love it.
All right, I want to move to the two final segments of the show. So the first one is we've already kind of talked about this in some ways the whole conversation has been this but I want to specifically tie a bow around this and ask you to get your crystal ball out and give us some predictions for some of the things you see happening in this space over the next 3 to 5 years and what people should be positioning themselves for. >> A lot of advisor tech companies are going to go out of business and by a lot I mean a lot like hundreds. AI is going to be huge.
I think if you look at the the map of Advisor Tech, if you look at the Two Towers, the amount of money they've received currently is just a tiny fraction of the amount of money that's going to come literally catapulting down into this space. You know, the Two Towers when they they have those lights that go up into the sky and they're just like these massive like that's the amount of money that's about to come dumping down into these verticals and the entire map will be obliterated. I don't know if that was one or two hot takes, but that's that's one of them. talent.
I would love to build an industrywide job board. There there is no current RAIA industry job board. I think that people have been talking about wealth transfer for a long time going from the older generation to the younger generation. I think the real wealth transfer is going to be going from advisors that are relationship builders that are growing organically that are doing excellent job that are changing people's lives from the advisor sitting on their hands.
They're not building personal brands. They're using terrible tech. They're not marketing. The amount of AUM that's going to deluge from them to the good advisers is going to be massive.
And with that, the talent as well. The amount all the good talent will just flood out of the bad companies into the good companies. It's going to be huge. Like truly like a revolution in this industry like nobody's seen.
I think I mean this sound this might sound crazy, but I truly think we're on the edge of something absolutely massive. I don't think it sounds crazy. I am a very optimistic and tend to be futuristic person. And I think though there's going to be change.
There's no doubt about it. Right? You look at what happened with the internet. So going from a non- internet world to an internet world that obviously it made massive changes and that happened over some period of time.
I'm sure AI's timeline is going to be compressed. But I also just think human nature is like things just don't happen that quick. Like there will always be micro smalls size firms, independent firms. I see what you're saying.
I I get that it makes sense, but I also at the same token think human nature will go against it in some ways too and it won't happen as fully or as swiftly as people are anticipating. >> For sure. It might happen slower or faster. I mean, Jump was only started in or started taking clients in January 2024.
Jump is only 2 years old and Jump has over 21,000 advisors. That's unheard of in this space. just >> the amount of adoption that they have gotten in two years is just mindblowing. I think we're going to only see that increase.
I guess my third hot take is since I've been using this whole Lord of the Rings analogy. What is the one ring? What is the power that is seeking to conquer everything? It is AI.
AI is the one ring. AI is what needs destroyed. Not because AI is evil, but because artificial intelligence is, if you take it out, I was talking to um Ian Carnell of Vast Assembly and he was like, I've looked at like six different predictions of the future of AI. Five of them are horrible and like one of them is slightly positive.
He's like, all the professional predictions of what AI will do to the world are very, very bad. The way to fight it is with pure human intelligence, creativity, content, relationships. AI is good in some ways, but if you're using AI to to fire humans and to replace human intelligence and to replace creativity and inspiration and writing fantastic life stories, AI needs destroyed. That's my third hotic.
Oh, all right. I love it. Well, I'm going to I'm going to leave that there, which I think is great. And we're going to move into the final segment of the show, which is the Milearker Minute.
Series of lightning round questions aimed to get to know you a little bit better outside of what you do. So, Joe, are you ready for the Milearker Minute? >> I hope so. Let's go, man.
All right. If you could travel anywhere in the world you've never been to before, where would you go? >> That's a good question. I have like zero desire to travel anywhere.
I would like to win the school games. Actually, the school games is is a competition on the platform. Basically, who can who can add the most monthly recurring revenue to their community in a quarter? And anyone that does goes to school headquarters, meets with Alex Mosie, Sam Evans, and and basically all the most successful people on the platform get to hang out for a day or two.
That's where I'd like to go. >> That's cool. Where's the school headquarters? >> It's either in California or Las Vegas.
I can't remember. I think it's in California. >> Okay. >> But they have had some events in Las Vegas.
>> Are you a mountains person or a beach person? >> Uh, mountains. >> Tell me about the best road trip you've ever had. >> That's an interesting question.
I'm a huge Matthew McConnA fan. I bought his two books and he lives in Austin, Texas. I was helping my brother move out to Phoenix, Arizona. And so me and another friend drove a a 26ft U-Haul with like a a car trailer.
We drove it from West Virginia to Phoenix, Arizona, and just driving through Texas and it's just like this massive flat in every single direction. So I I kind of have something special in my heart for Texas in a way. Okay. partially simply because that's where Matthew McConnA lives.
>> What's the best book you've read or listened to in the past year? >> I didn't positively love the book, but The Alchemist is the story of Santiago, who is searching for treasure, and he goes on his personal legend. And Justin Castelli's actually named his RAIA Santiago. And I'm just huge into this like telling an epic human story right now.
I mean, I sign off every email to Epic Human Stories. I think every human being, every single adviser needs to find their personal legend, which is like their destiny, and pursue it as hard as they can. I I actually woke up at like 3:00 a. m.
one morning and read the entire thing in like a couple hours, and it now I'm reading it again to my son. But it's not a perfect book, but it's very good at explaining those concepts. >> I love it. What's the best flavor of ice cream?
>> It's like a chocolate fudge. It's a Ben & Jerry's flavor. I don't know the name, but it's like chocolate fudge Ben & Jerry's. Awesome.
All right. I want you to complete this sentence. And this is for you personally, not professionally. Okay.
So, mile marker is a platform that powers progress. And so, I love to ask this question. Complete this sentence. Progress is blank.
Progress is seeking God. September of this year, there's a verse in the Bible that says, "Seek first his kingdom and his righteousness, and all these things will be added unto you. " I am a Christian. Most Christians don't take that literally.
If you truly want to have an amazing life, an amazing impact, seek God. If you have an organic growth problem, seek God. If you have a talent problem, seek God. I think properly ordering your life, God, yourself, your family, your friends, your work.
Work has been far too important to me for many, many years, and it has really damaged some really important relationships. And so truly, I had a really rough month in November. And things are working out. But like you've got to get your life oriented towards the creator of the world or you will it won't go well.
>> Awesome man. Okay. And then final question before you ask. This is always my final lightning round question.
There's an alternate universe. In this alternate universe, you have a career that is nothing like what you're doing right now. What do you do for work in that alternate universe? >> I would say author.
I absolutely love writing. I'm starting to really really respect Mr. Beast. So maybe just be like a professional YouTuber.
>> There you go. Awesome, man. All right. Well, Joe, you made it through the mile marker minute.
It feels uh feels apppropo that I asked you a question about what career you would have in an alternate universe after you had just said, "Hey, like I put way too much focus into work and I need to seek first the kingdom of God. " But I appreciate you sharing that. You made it through the Mount Walker Minute. This was a really fun conversation for me.
Thanks for bringing the hot takes. Thanks for bringing your ideas and your insights. I think it does help the industry think about things differently. uh challenges the status quo and it's going to help the industry be better as a whole.
So, appreciate you gifting us some of your time to come on Next Mile and spend time with the audience. >> Yeah, for sure. Thanks so much for the invite. >> Absolutely.
All right, everybody. That's been another episode of Next Mile. Please make sure you click follow or subscribe wherever you're paying attention to this. And if you'd be so kind, leave us a review so that more people can find the show who haven't heard it or haven't heard great conversations like the one I just had with Joe.
But until the next episode, enjoy every mile.
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