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Hi, and welcome to the Longview. I'm Jeff Patak, Chief Ratings Officer for Morningstar Research Services.

And I'm Christine Ben's Director ofak Chief Ratings Officer for Morningstar Research Services.

And I'm Christine Ben's Director of Personal Finance and Retirement Planning for Morningstar.

Our guest this week is Phil Huber. Phil is chief investment officer at Savant Wealth Management,

a fee-only registered investment advisor. Previously, Phil worked for Huber Financial Advisors,

which Savant acquired in 2020. Phil is active in the financial blogosphere at his blog Bips and Pieces and on social media where you can find him on Twitter at at Bips and Pieces.

Phil earned his bachelor's degree in finance from the Kelly School of Business at Indiana University and has earned both the CFP and CFA designations.

He's also the author of a new book, The Allocators Edge, a Modern Guide to Alternative Investments,

and the future of diversification. Phil, welcome to the Longview.

Thank you so much for having me, Christine and Jeff. It's a pleasure to be here. I'm a regular

listener to your show and I'm honored to be on as a guest. So thanks for inviting me.

Well, we appreciate that and it's our honor to have you on as our guests. We're really looking

forward to the conversation. Some of our listeners will be familiar with you, but not all of them.

So let's start off with your CV. Talk about your role and responsibilities

at Savant and where your recently published book fits into all that. Sure. So I'll kind of back to it a

little bit and just give you a little sense of my start in the industry and my career. So I grew up in and around

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