Welcome to the Money Tree Investing Podcast. Stock market, wealth, personal finance, value stocks, invest in your life.

Welcome to this week's episode of Money Tree Investing Podcast. My name's Kirk Chisholm and I will be your host today.

Today we have one of my favorite guests. We have George Grombocker. How you doing today, George?

I am doing great. Thanks for having me. So George and I have been friends for a while. He runs a very

successful podcast. He's just coming up in his 500th episode, which to me is just, he's just a machine

and putting out podcast episodes. So I'm glad we were lucky enough to have George on today.

And George is going to be talking us about 401K plans and financial wellness. So I guess before we begin, George,

maybe you can tell the listeners a little bit about yourself. I am a husband. I'm a dad. I've got two

young boys, four months and three years. I am a former Division I athlete. I was a tennis player in college. And like so many other people, I'm not using my degree at all as political science major that got into insurance sales right out of college. And now in my 21st year, I think, as a advisor over the past eight years, I've been an independent advisor focused on the 401K space

and really, to your point, focused on financial wellness. So that is what gets me up in the morning.

So what do you see as some of the biggest challenges, if you're focusing on 401K plans for

companies, what do you see as some of the biggest challenges that the employees have with 401K plans?

To go just a little bit deeper because that's such a sort of a layered problem is I think that we are just constantly battling for our attention and probably better put, there are so many forces that are constantly battling for our attention and probably better put, there are so many forces that are constantly

battling for our attention that talking about investing for the long term and asset allocation

and target day funds, it just is never, ever top of mind for people. So I think that helping people

to really not become CFAs, not become experts in

personal finance, but just to be able to carve out enough time consistently to focus on their

financial well-being, I think that's one of the biggest challenges. Why do you think that is?

What's really kind of beneath that whole surface there for the challenge that people have?

You think about how life today is different than it was just 20 years ago, and it's immensely different.

That was essentially not 100%, but almost pre-internet.

And now fast forward to where we are today, obviously, so many of us are glued to our cell phones,

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