What will the future of face-to-face distribution look like in the coming years? Today, we talk with Paul Blanco, Founder and CEO of Barnum Financial, about the future of advisors, insurance agencies, wealth management and technology.

Barnum is a general agency of MassMutual (Massachusetts Mutual Life Insurance Company) and qualified representatives offer securities and investment advisory services through MML Investors Services, LLC, a subsidiary of MassMutual.

Links mentioned in the show:

https://barnumfinancialgroup.com/

https://www.linkedin.com/in/paulblanco/

 Listen

 Watch

Receive Updates

Show Sponsors

Episode Transcript

The discussion is not meant to provide any legal, tax, or investment advice with respect to the purchase of an insurance product. A comprehensive evaluation of a consumer’s needs and financial situation should always occur in order to help determine if an insurance product may be appropriate for each unique situation.

1
00:00:01,519 –> 00:00:06,627
[paul_tyler]: i this is paul tyler and welcome
to another episode of that annuity show we’ve

2
00:00:06,667 –> 00:00:11,275
[paul_tyler]: got a really interesting guest on this
show i’ll tell you in a minute ramsey

3
00:00:11,375 –> 00:00:11,796
[paul_tyler]: how are you

4
00:00:12,600 –> 00:00:13,652
[ramsey_d_smith]: great always glad to be here

5
00:00:14,288 –> 00:00:17,954
[paul_tyler]: okay a lot of news coming out
on in plan annuities are you feeling really

6
00:00:18,014 –> 00:00:19,357
[paul_tyler]: bullish about that space right now

7
00:00:19,700 –> 00:00:20,243
[ramsey_d_smith]: hundred percent

8
00:00:20,978 –> 00:00:21,559
[paul_tyler]: unde per cent

9
00:00:21,761 –> 00:00:21,924
[ramsey_d_smith]: yeah

10
00:00:23,144 –> 00:00:27,939
[paul_tyler]: bruno from canada you didn’t have an
election last night did you

11
00:00:29,697 –> 00:00:30,198
[bruno_caron]: it’s as if

12
00:00:31,150 –> 00:00:31,290
[ramsey_d_smith]: we’re

13
00:00:31,173 –> 00:00:31,355
[paul_tyler]: yeah

14
00:00:31,350 –> 00:00:31,691
[ramsey_d_smith]: in georgia

15
00:00:31,521 –> 00:00:31,681
[bruno_caron]: but

16
00:00:31,731 –> 00:00:32,011
[ramsey_d_smith]: were still

17
00:00:31,882 –> 00:00:32,002
[bruno_caron]: it’s

18
00:00:32,031 –> 00:00:32,993
[ramsey_d_smith]: electing here in georgia

19
00:00:33,264 –> 00:00:35,304
[bruno_caron]: oh

20
00:00:33,268 –> 00:00:33,829
[paul_tyler]: that’s right

21
00:00:33,934 –> 00:00:34,315
[ramsey_d_smith]: this is going to

22
00:00:34,330 –> 00:00:34,470
[paul_tyler]: it’s

23
00:00:34,355 –> 00:00:34,655
[ramsey_d_smith]: be a run

24
00:00:34,550 –> 00:00:34,690
[paul_tyler]: not

25
00:00:34,695 –> 00:00:34,815
[ramsey_d_smith]: off

26
00:00:34,770 –> 00:00:34,910
[paul_tyler]: over

27
00:00:34,876 –> 00:00:35,176
[ramsey_d_smith]: probably

28
00:00:34,991 –> 00:00:35,171
[paul_tyler]: with

29
00:00:35,216 –> 00:00:35,997
[ramsey_d_smith]: yeah yeah

30
00:00:35,872 –> 00:00:36,353
[paul_tyler]: yeah so

31
00:00:36,594 –> 00:00:36,614
[bruno_caron]: m

32
00:00:36,734 –> 00:00:40,279
[paul_tyler]: so i think everybody probably needs a
little bit break from politics at this point

33
00:00:40,404 –> 00:00:40,566
[bruno_caron]: oh

34
00:00:40,420 –> 00:00:44,787
[paul_tyler]: as i think we all deserve and
so anyway with us today is an old

35
00:00:44,867 –> 00:00:50,076
[paul_tyler]: friend from you know way back when
another couple of companies ago um a guy

36
00:00:50,116 –> 00:00:53,942
[paul_tyler]: who almost needs no introduction if you’re
in this space but paul blanco who is

37
00:00:54,443 –> 00:00:58,442
[paul_tyler]: the c o and founder of barn
financial paul welcome

38
00:01:09,858 –> 00:01:13,183
[paul_tyler]: ah well thank you paul you know
who know you know walking down a street

39
00:01:13,223 –> 00:01:16,829
[paul_tyler]: and at a street cafe would pull
us back together so this is great so

40
00:01:16,884 –> 00:01:18,144
[bruno_caron]: oh

41
00:01:16,970 –> 00:01:17,150
[paul_tyler]: you know

42
00:01:17,199 –> 00:01:17,220
[ramsey_d_smith]: m

43
00:01:17,210 –> 00:01:22,238
[paul_tyler]: for those who don’t know you know
aren’t like in the north east who tell

44
00:01:22,258 –> 00:01:27,887
[paul_tyler]: us about barnum financial what is it
you know size product focus you know etcetera

45
00:02:15,429 –> 00:02:15,450
[ramsey_d_smith]: m

46
00:02:42,362 –> 00:02:42,563
[paul_tyler]: yeah

47
00:02:53,280 –> 00:02:53,566
[ramsey_d_smith]: yes

48
00:03:15,699 –> 00:03:22,830
[paul_tyler]: let’s see i knew you win and
even then your footprint was pretty enormous but

49
00:03:22,890 –> 00:03:27,982
[paul_tyler]: like where did this start so paul
you just got this big office and right

50
00:03:28,043 –> 00:03:29,249
[paul_tyler]: that’s that’s the back story

51
00:04:21,800 –> 00:04:25,986
[ramsey_d_smith]: so to talk a little bit about
that that evolution in the business you started

52
00:04:26,046 –> 00:04:31,138
[ramsey_d_smith]: out very insurance focused and really you
know there’s a there’s a lot of power

53
00:04:31,239 –> 00:04:36,134
[ramsey_d_smith]: in integrating the discussion with a client
you know the insurance discussion with a client

54
00:04:36,375 –> 00:04:43,886
[ramsey_d_smith]: with sort of a wholistic discussion around
planning and andndvcv sort of investment opportunities how

55
00:04:43,947 –> 00:04:47,594
[ramsey_d_smith]: did you how did you sort of
execute that because part of that is finding

56
00:04:47,634 –> 00:04:52,223
[ramsey_d_smith]: the right people part of that’s finding
the right platforms did you build did you

57
00:04:52,303 –> 00:04:55,168
[ramsey_d_smith]: buy tell us about that that entreprenerial
journey

58
00:04:58,934 –> 00:04:58,955
[ramsey_d_smith]: m

59
00:05:08,962 –> 00:05:11,510
[ramsey_d_smith]: m m

60
00:05:12,174 –> 00:05:12,417
[bruno_caron]: oh

61
00:05:33,039 –> 00:05:33,060
[ramsey_d_smith]: m

62
00:05:56,520 –> 00:05:57,210
[ramsey_d_smith]: yeah

63
00:06:03,579 –> 00:06:03,600
[ramsey_d_smith]: m

64
00:06:50,274 –> 00:06:50,534
[bruno_caron]: oh

65
00:06:50,409 –> 00:06:50,430
[ramsey_d_smith]: m

66
00:06:56,073 –> 00:06:56,214
[bruno_caron]: yeah

67
00:07:26,074 –> 00:07:32,265
[bruno_caron]: that’s really interesting and that’s kind of
where my my follow up is how do

68
00:07:32,325 –> 00:07:38,115
[bruno_caron]: you marry the two how do you
marry the insurance and the investment and it’s

69
00:07:38,175 –> 00:07:43,624
[bruno_caron]: not just the products it’s also the
mentalities and everything that that comes that comes

70
00:07:43,724 –> 00:07:49,994
[bruno_caron]: with it i think everyone agrees that
it’s not one or the other you have

71
00:07:50,054 –> 00:07:55,524
[bruno_caron]: to have you have to have both
m how do you how do you convey

72
00:07:55,604 –> 00:08:03,437
[bruno_caron]: that message too your clients to the
audience to general public as to how the

73
00:08:03,517 –> 00:08:11,210
[bruno_caron]: two are interconnected and how to know
ultimately use both in terms of in terms

74
00:08:11,270 –> 00:08:12,392
[bruno_caron]: of planning

75
00:08:20,168 –> 00:08:20,249
[paul_tyler]: ah

76
00:08:28,809 –> 00:08:28,830
[ramsey_d_smith]: m

77
00:08:38,319 –> 00:08:38,340
[ramsey_d_smith]: m

78
00:08:51,030 –> 00:08:51,050
[ramsey_d_smith]: m

79
00:09:10,114 –> 00:09:10,154
[bruno_caron]: m

80
00:09:26,784 –> 00:09:26,925
[bruno_caron]: yeah

81
00:09:32,799 –> 00:09:32,820
[ramsey_d_smith]: m

82
00:09:47,968 –> 00:09:52,696
[paul_tyler]: yeah and maybe you know i give
you a question to go a little bit

83
00:09:52,716 –> 00:09:56,182
[paul_tyler]: more to the infrastructure you know we’re
living in a world of extremes and if

84
00:09:56,282 –> 00:10:00,709
[paul_tyler]: i ask you know people at some
of these conferences what’s the future tribution depend

85
00:10:00,749 –> 00:10:06,199
[paul_tyler]: on the conference one is okay it’s
all going to be roll ups acquisitions you

86
00:10:06,239 –> 00:10:10,606
[paul_tyler]: know i gonna we’re gonna create mega
agencies by buying these things up the other

87
00:10:10,646 –> 00:10:14,513
[paul_tyler]: hand will be now paul it’s all
digital you’re gonna be selling stuff on the

88
00:10:14,553 –> 00:10:18,951
[paul_tyler]: web we’re still going to figure the
stuff out talk to us about your view

89
00:10:19,232 –> 00:10:23,426
[paul_tyler]: you know where’s growth coming from here
and how does it work

90
00:10:31,208 –> 00:10:31,373
[ramsey_d_smith]: yeah

91
00:11:34,269 –> 00:11:34,290
[ramsey_d_smith]: m

92
00:12:05,949 –> 00:12:05,970
[ramsey_d_smith]: m

93
00:12:54,991 –> 00:12:59,685
[ramsey_d_smith]: so then these are like internal internal
whole sailors for you sort of specific product

94
00:13:00,026 –> 00:13:00,528
[ramsey_d_smith]: specialists

95
00:13:03,639 –> 00:13:03,660
[ramsey_d_smith]: m

96
00:13:07,212 –> 00:13:08,834
[ramsey_d_smith]: m yeah

97
00:13:16,783 –> 00:13:17,310
[ramsey_d_smith]: hm

98
00:13:34,260 –> 00:13:34,525
[ramsey_d_smith]: oh

99
00:13:52,620 –> 00:13:54,060
[ramsey_d_smith]: m hm

100
00:14:16,560 –> 00:14:16,580
[ramsey_d_smith]: m

101
00:14:24,030 –> 00:14:32,222
[ramsey_d_smith]: m yeah so who do you see
is like your competitors are peers because as

102
00:14:32,262 –> 00:14:35,047
[ramsey_d_smith]: you as you talk about your business
i can see on one hand it could

103
00:14:35,107 –> 00:14:39,615
[ramsey_d_smith]: be it could be wirehouses because you’re
trying to bring that complete set of services

104
00:14:39,675 –> 00:14:44,624
[ramsey_d_smith]: in the way that they do it
could be it could be other as it

105
00:14:44,644 –> 00:14:48,712
[ramsey_d_smith]: could be lots of different things like
where do you you typically run into people

106
00:14:48,772 –> 00:14:52,038
[ramsey_d_smith]: i guess in terms of you know
you are competitively

107
00:14:56,730 –> 00:14:56,750
[ramsey_d_smith]: m

108
00:15:00,639 –> 00:15:01,296
[ramsey_d_smith]: m yeah

109
00:15:07,062 –> 00:15:07,890
[ramsey_d_smith]: m m

110
00:15:12,753 –> 00:15:13,380
[ramsey_d_smith]: hm

111
00:15:31,580 –> 00:15:31,721
[ramsey_d_smith]: yeah

112
00:15:56,922 –> 00:15:57,104
[paul_tyler]: yeah

113
00:15:57,080 –> 00:15:57,520
[ramsey_d_smith]: so you have

114
00:15:57,408 –> 00:15:57,489
[paul_tyler]: you

115
00:15:57,580 –> 00:16:01,524
[ramsey_d_smith]: in there just just so there’s henry’s
what hirnderis not not rich

116
00:16:01,388 –> 00:16:01,988
[paul_tyler]: oh

117
00:16:01,584 –> 00:16:01,724
[ramsey_d_smith]: yet

118
00:16:02,438 –> 00:16:03,128
[paul_tyler]: yeah

119
00:16:02,725 –> 00:16:06,148
[ramsey_d_smith]: and then there’s and then there’s the
mass affluent and there’s high net worth you

120
00:16:06,208 –> 00:16:09,085
[ramsey_d_smith]: can cover all three of those categories
m

121
00:16:15,579 –> 00:16:15,600
[ramsey_d_smith]: m

122
00:16:46,989 –> 00:16:47,010
[ramsey_d_smith]: m

123
00:16:49,199 –> 00:16:53,907
[paul_tyler]: yeah you know over the last couple
of episodes we had some really discussion good

124
00:16:53,947 –> 00:16:57,513
[paul_tyler]: discussions about in plan annuities you know
where where this will had secure act to

125
00:16:57,573 –> 00:16:57,733
[paul_tyler]: open

126
00:16:57,699 –> 00:16:57,720
[ramsey_d_smith]: m

127
00:16:57,793 –> 00:17:02,301
[paul_tyler]: up some opportunities paul you’ve been in
this space in the work space for a

128
00:17:02,341 –> 00:17:06,649
[paul_tyler]: long time you mentioned you know the
change in you know being

129
00:17:06,576 –> 00:17:06,738
[ramsey_d_smith]: yeah

130
00:17:06,669 –> 00:17:14,873
[paul_tyler]: able to communicate with people virtually what’s
happening in in your mind with you know

131
00:17:15,634 –> 00:17:21,183
[paul_tyler]: changing how people are working with the
opportunities or the changes in working with companies

132
00:17:21,264 –> 00:17:23,731
[paul_tyler]: to bring financial planning through their employ
or

133
00:18:12,480 –> 00:18:13,138
[ramsey_d_smith]: ye

134
00:18:17,310 –> 00:18:18,120
[ramsey_d_smith]: yeah

135
00:19:15,300 –> 00:19:15,960
[ramsey_d_smith]: oh

136
00:19:21,210 –> 00:19:22,140
[ramsey_d_smith]: oh

137
00:19:56,124 –> 00:19:56,364
[bruno_caron]: yah

138
00:20:01,733 –> 00:20:01,893
[bruno_caron]: yah

139
00:20:08,910 –> 00:20:18,153
[ramsey_d_smith]: yeah yeah do you do any work
helping with setting up plans like setting up

140
00:20:18,233 –> 00:20:19,137
[ramsey_d_smith]: for one c plans

141
00:20:24,065 –> 00:20:24,106
[ramsey_d_smith]: m

142
00:20:30,733 –> 00:20:31,260
[ramsey_d_smith]: hm

143
00:20:47,700 –> 00:20:48,540
[ramsey_d_smith]: yeah

144
00:21:05,566 –> 00:21:13,437
[bruno_caron]: so while we’re on that that topic
of inplananuities um obviously we talked about the

145
00:21:13,497 –> 00:21:18,061
[bruno_caron]: comprehensive nature of you know your firm
your business and your your

146
00:21:18,099 –> 00:21:18,120
[ramsey_d_smith]: m

147
00:21:18,181 –> 00:21:18,762
[bruno_caron]: background

148
00:21:20,349 –> 00:21:20,370
[ramsey_d_smith]: m

149
00:21:21,044 –> 00:21:25,451
[bruno_caron]: assets on their management that’s a fairly
fairly easy concept for all of us to

150
00:21:25,551 –> 00:21:26,052
[bruno_caron]: understand

151
00:21:27,336 –> 00:21:27,499
[ramsey_d_smith]: yeah

152
00:21:27,414 –> 00:21:32,883
[bruno_caron]: but how how do you generate income
how do you see income being generated through

153
00:21:33,324 –> 00:21:38,914
[bruno_caron]: um you know through retirement how do
you view it obviously in this in this

154
00:21:38,994 –> 00:21:43,121
[bruno_caron]: particular environment where things have become a
little a little harder so

155
00:21:43,320 –> 00:21:43,521
[ramsey_d_smith]: oh

156
00:21:44,924 –> 00:21:49,589
[bruno_caron]: how do you how do you advise
your clients to to you know decumulate and

157
00:21:50,410 –> 00:21:52,452
[bruno_caron]: generate income through through retirement

158
00:22:10,500 –> 00:22:10,763
[ramsey_d_smith]: yeah

159
00:22:22,200 –> 00:22:23,119
[ramsey_d_smith]: yeah

160
00:22:44,670 –> 00:22:48,831
[ramsey_d_smith]: yeah yah we

161
00:23:10,748 –> 00:23:10,808
[paul_tyler]: ah

162
00:23:22,538 –> 00:23:23,198
[paul_tyler]: oh

163
00:23:26,887 –> 00:23:27,030
[ramsey_d_smith]: yeah

164
00:23:30,180 –> 00:23:30,424
[ramsey_d_smith]: oh

165
00:24:07,948 –> 00:24:08,109
[paul_tyler]: yeah

166
00:24:08,010 –> 00:24:08,030
[ramsey_d_smith]: m

167
00:24:08,189 –> 00:24:12,336
[paul_tyler]: well you mentioned scale paul and i
think this is kind of an advantage of

168
00:24:12,436 –> 00:24:17,083
[paul_tyler]: scale because you know i ally have
five clients it’s going to be those are

169
00:24:17,524 –> 00:24:22,497
[paul_tyler]: to be some pretty empty tiles um
now i remember again back to you know

170
00:24:22,858 –> 00:24:27,480
[paul_tyler]: two thousand this is ramsey bruno i
won’t name names you can imagine

171
00:24:27,210 –> 00:24:27,334
[ramsey_d_smith]: oh

172
00:24:27,580 –> 00:24:27,961
[paul_tyler]: paul this

173
00:24:27,900 –> 00:24:29,040
[ramsey_d_smith]: yeah

174
00:24:28,001 –> 00:24:33,510
[paul_tyler]: was god can you believe some some
agency manager wants to do his own thing

175
00:24:33,590 –> 00:24:39,660
[paul_tyler]: he’s got this software c m outside
company he wants to put in here and

176
00:24:39,720 –> 00:24:46,812
[paul_tyler]: not do what we want what’s it
called sales force you know so you’ve been

177
00:24:47,253 –> 00:24:51,600
[paul_tyler]: you’ve been in sure tech before insure
tech is ed what kind of scale do

178
00:24:51,660 –> 00:24:57,770
[paul_tyler]: you have to have in order to
make those algorithm you know feed enough you

179
00:24:57,831 –> 00:25:01,437
[paul_tyler]: know agents so that your calls to
make

180
00:25:15,720 –> 00:25:15,982
[ramsey_d_smith]: yeah

181
00:25:47,877 –> 00:25:48,019
[ramsey_d_smith]: yeah

182
00:25:53,880 –> 00:25:54,122
[ramsey_d_smith]: oh

183
00:25:57,180 –> 00:25:57,990
[ramsey_d_smith]: yeah

184
00:26:14,019 –> 00:26:15,852
[ramsey_d_smith]: m ye

185
00:26:43,560 –> 00:26:47,010
[ramsey_d_smith]: oh oh

186
00:27:05,910 –> 00:27:06,274
[ramsey_d_smith]: oh

187
00:27:13,023 –> 00:27:13,125
[ramsey_d_smith]: ah

188
00:27:32,289 –> 00:27:32,310
[ramsey_d_smith]: m

189
00:27:48,542 –> 00:27:54,337
[ramsey_d_smith]: yeah right so so i’ve got sort
of one one parting question because we’re pretty

190
00:27:54,357 –> 00:27:58,064
[ramsey_d_smith]: much at the unfortunately i would love
to have you back because it’s actually more

191
00:27:58,124 –> 00:28:02,531
[ramsey_d_smith]: to talk about here but you know
so you have you’ve got in a fantastic

192
00:28:02,591 –> 00:28:07,760
[ramsey_d_smith]: sort of growth growth goals you know
he said between now and twenty thirty m

193
00:28:08,681 –> 00:28:16,155
[ramsey_d_smith]: paul tyler had mentioned earlier of the
consolidation agregation we’re seeing in the business i

194
00:28:16,195 –> 00:28:17,698
[ramsey_d_smith]: think you’re still independent at this point

195
00:28:23,800 –> 00:28:23,961
[ramsey_d_smith]: yeah

196
00:28:39,751 –> 00:28:45,680
[ramsey_d_smith]: so i just it’s i can see
a world where you’re an acquirer or you

197
00:28:45,721 –> 00:28:49,307
[ramsey_d_smith]: can be either way sounds like with
the business you built you have a lot

198
00:28:49,347 –> 00:28:53,912
[ramsey_d_smith]: of option so um it’s probably a
bit of an impertinent question so i apologize

199
00:28:54,012 –> 00:28:59,678
[ramsey_d_smith]: but you know but very interested to
see you know how this progresses for you

200
00:28:59,698 –> 00:29:00,239
[ramsey_d_smith]: in the coming years

201
00:29:07,440 –> 00:29:08,580
[ramsey_d_smith]: m m

202
00:29:19,479 –> 00:29:19,500
[ramsey_d_smith]: m

203
00:29:28,752 –> 00:29:28,772
[ramsey_d_smith]: m

204
00:29:37,448 –> 00:29:39,015
[paul_tyler]: yeah

205
00:30:00,174 –> 00:30:00,454
[bruno_caron]: yeah

206
00:30:06,763 –> 00:30:06,903
[bruno_caron]: yeah

207
00:30:10,089 –> 00:30:10,798
[paul_tyler]: oh this is great

208
00:30:10,814 –> 00:30:11,795
[bruno_caron]: paul tyler there’s a

209
00:30:11,819 –> 00:30:11,960
[paul_tyler]: yeah

210
00:30:11,835 –> 00:30:15,438
[bruno_caron]: new podcast if i saw it correctly
coming up on

211
00:30:15,758 –> 00:30:16,568
[paul_tyler]: yeah

212
00:30:15,899 –> 00:30:17,320
[bruno_caron]: that exact topic if

213
00:30:17,279 –> 00:30:17,420
[paul_tyler]: that’s

214
00:30:17,480 –> 00:30:17,500
[bruno_caron]: i

215
00:30:17,520 –> 00:30:17,741
[paul_tyler]: right

216
00:30:18,862 –> 00:30:19,502
[bruno_caron]: if i saw it right

217
00:30:20,849 –> 00:30:25,638
[paul_tyler]: the prime life you know i’ll send
you a link it’s were our first for

218
00:30:25,858 –> 00:30:31,951
[paul_tyler]: palante doing a little more on the
consumer side um you know now trying to

219
00:30:31,991 –> 00:30:35,204
[paul_tyler]: reach the sixty plus group so i’ll
send you link

220
00:30:41,032 –> 00:30:41,192
[paul_tyler]: yeah

221
00:30:44,277 –> 00:30:48,845
[paul_tyler]: yeah listen to hey it’s that’s you
know you never stopped learning write or experimenting

222
00:30:49,286 –> 00:30:49,947
[paul_tyler]: you know paul so

223
00:31:09,969 –> 00:31:11,322
[ramsey_d_smith]: m oh

224
00:31:18,750 –> 00:31:18,971
[ramsey_d_smith]: oh

225
00:31:38,118 –> 00:31:41,484
[paul_tyler]: hey paul listen thank you so much
for your time you’re doing great stuff in

226
00:31:41,524 –> 00:31:45,390
[paul_tyler]: the business and as ramsey said love
to have you back let’s

227
00:31:45,804 –> 00:31:46,064
[bruno_caron]: yah

228
00:31:45,991 –> 00:31:51,380
[paul_tyler]: we’ll reach out and a lot more
to talk about bruno ramsey thanks so much

229
00:31:51,680 –> 00:31:52,621
[paul_tyler]: and paul what’s

230
00:31:52,603 –> 00:31:52,743
[bruno_caron]: yah

231
00:31:52,661 –> 00:31:56,566
[paul_tyler]: the best way for people to either
learn more about barnum or get in touch

232
00:31:56,606 –> 00:32:00,518
[paul_tyler]: with you oh

233
00:32:06,438 –> 00:32:07,982
[paul_tyler]: excellent all right listen thanks

234
00:32:07,944 –> 00:32:09,474
[bruno_caron]: yeah

235
00:32:08,062 –> 00:32:11,550
[paul_tyler]: everybody thanks for our listeners hey thanks
paul

236
00:32:13,644 –> 00:32:13,965
[bruno_caron]: oh

237
00:32:15,188 –> 00:32:15,568
[paul_tyler]: hey thanks

238
00:32:15,560 –> 00:32:16,309
[ramsey_d_smith]: much appreciated

239
00:32:15,969 –> 00:32:16,870
[paul_tyler]: listen we really

240
00:32:16,714 –> 00:32:16,895
[bruno_caron]: thank

241
00:32:16,890 –> 00:32:16,970
[paul_tyler]: do

242
00:32:16,935 –> 00:32:17,076
[bruno_caron]: you

243
00:32:17,010 –> 00:32:23,076
[paul_tyler]: appreciate it thanks and listen join us
again next week for another episode of that

244
00:32:23,156 –> 00:32:24,277
[paul_tyler]: annuity show thanks