Well, much like my audio habits of listening to podcasts at 1.5 speed, January has sped by! For those of you who have escaped having an image or visual assault of President Trump on a minute-by-minute basis, you are blessed. However, the press frenzy around Trump made me think back to my days as a financial adviser. Of course, I still have the skills, the only difference now is I talk to individuals impartially, I'm not focused on products. Anyhow, back to my pondering, when