Our Interests Are Aligned

Knowing that someone is working, and has the incentive to work for you rather than they have incentives to do something else, is pretty fundamental, you know. Especially for working, middle-class people. After your medical, your key finances are some of the most important decisions, things you worry about. It's right to be a little concerned. Right. It's someone you're turning over, to make decisions for you, as to what you should buy. It's something that's very complicated. Just as with your physician. Right. You have to some point say, all right, I have to trust that physician. You're gonna trust the physician a lot better, if you think his incentives and yours are aligned. Yeah, right. And, it's much the same way. But what I'm saying is that they work only for the client. Yeah, I already said that, you know, they are working only for the client, so we know that their incentives are aligned. Right. They're running their own businesses, and we interface with them with no contracts, no compensation. Now, if you wrote down to a class, what are the chances of getting people to be loyal in work when you pay them nothing and you have no contracts to bind them? And the answer is, like those ancient walls that you find, that have been out for 2,000 years with no mortar in 'em and they're still standing, that if you design it the right way, so the benefits, in this case to the advisors, and the benefits to Dimensional, match. And there's a natural and very powerful mutual benefit if you have people that are aligned, and they really are. And, that is not the typical structure if you look at the rest of the financial world. So, I'm a believer that the most efficient way, the best way, is to do things within technology and so forth, will ultimately win. And that's why I believe that's where we're going. The principle is, and I agree with you, most people need and want an advisor. They don't want to solve these problems, and they don't want the so-called robo advisor. They want somebody that works, that cares about them, and works on their problems. Yeah.