Listen to David Young, founder and CEO. Following years of experience at PIMCO, they focus on allocation by RISK, as opposed to allocation by ASSET CLASS. This approach of "...starting at the finish line," is not traditional in the industry and requires some reverse engineering when compared to the more traditional allocation by asset class. He explains their unique methodology of managing both equities and fixed income. David also offers lots of insights and opinions re: the current financial environment. Any investor should enjoy this interview.