Speaker 1: First American, born in Queens, New York. My father's Dominican and my mother's Colombian. From a very young age, my mother really implemented in me that anything that I want, I can do. Where I always keep them in mind whenever I'm giving advice to a client. My parents be happy with what I just deliver to this person. My name is Radames Pineda, also known as Rad. I am a J.P. Morgan Private Client Advisor. I've been at the firm with J.P. Morgan for 11 and a half years. And every single quarter, month, weekday has been fun. Very early on, in the start of my career, I realized that working at a bank isn't just helping people move money around. Here at the firm, we work very closely with our bankers that help our clients that we cover holistically. At the center of everything, the main captain of the team is the client. I'm usually up around 6 in the morning and my day starts with a cup of coffee, go downstairs. I try to read as much as I possibly can. I'm in the office, usually the first one in. You know, I send my emails to my team to make sure that they know where I am, how my day is looking. A couple of client meetings, usually anywhere from two to four meetings per day. And in between, just reading everything that's happening in the world and connecting with clients. Hey Giselle, Rad with J.P. Morgan. How are you? Happy Tuesday. Susan, it's Rad with J.P. Morgan. How are you? Hey Michael. How's it going? It's Rad. A successful day for me would be having at least 10, 15 conversations with clients, just making sure that everything is okay in their lives, personally, and with what we have as far as investments. What did you think of the call earlier, the conference call?

Speaker 2: Hi.

Speaker 1: Hi. I'm home by six, usually, to my kids who are jumping all over me, and they need that to start being dad at 100 percent. There we go, big boy. Other than spending quality time with my kids, my favorite thing to do is to cycle. I welcome the opportunity to take a day off here and there and ride my 40, 50 miles on my road bike. Part of my own retirement plan is to work very hard for the next 25 years and go around the country on my bike at some point with a group of friends. It is so liberating. It makes me feel like a kid again. Out of my siblings, I am the oldest, first generation. My parents came here, they literally came here with nothing, and I wish I was an advisor when my parents really needed one. They didn't plan accordingly, and that always hits me. Look, I have two kids. They both have 529 plans. They own mutual funds. They own stocks. They own bonds. My son and I speak about his portfolio. He's nine. He owns four stocks. He saves every month to buy a stock. I never had that conversation at nine. That's my why. I am very mindful of trying to help everyone that I interact with, irrespective of what the need is or what their net worth is. Everyone needs good advice. As long as they're willing to listen, I'm willing to share.