Trying to build a company within the financial industry presents many challenges. Many of these pertain to all businesses, while some pertain to the financial sector. If the people in this industry don't fix these issues first, then people in the government will try to fix them for us. For example, 64% of people entering retirement have four hundred thousand dollars or less in retirement assets. When you combine that with the most often heard advertisement for the financial industry, "Do you have half a million or more of investable assets?" That eliminates the bulk of people entering retirement and, sadly, most people who genuinely need help within the financial industry. There are many reasons most financial firms use that half a million minimum, and the most significant factor is the economy of scale associated with these advisors. Doing our job well requires us to spend a considerable amount of time with people. A relatively easy solution popped up in trying to figure out how we would navigate this problem, and it has to do with the culture we are trying to create at OWLFI. People always ask us if we have a minimum investment requirement, and the answer is no. We focus on two things and believe these are the only two things that matter. The first one is, do we enjoy talking to you, and do we connect and understand you? The second is can we help you? If we feel like we enjoy talking to you and can help you, we will take you on as a client. That is also more difficult because we limit our advisors to no more than 100 clients. So how can we take on any client with any amount of investable assets? Every advisor has clients with millions and millions of dollars, and the value of the work we provide to them makes us significant amounts of revenue. One of the beautiful things about that is that it puts us in a position with only one hundred clients and does not have to chase more clients constantly. It seems as if the minute you give a regular financial advisor your money, you never hear from them again because they have to find the next client immediately. Due to the nature of our OWLFI where we have the attorneys, the CPAs, the financial advisors, and the insurance agents that all work together on behalf of the client with a one-team mentality. That attracts clients with a significant net worth, and at the same time, our advisors are only attempting to attract 100 clients then our advisors can take on anybody. Doing this allows many people of all different backgrounds to receive the highest level of financial advice.