This week we welcome Michael Tothe. We discuss getting back into adult hockey, youth hockey, mountain biking, and the current NHL playoffs

Thanks to our sponsor Rubes Brews, check them out at https://www.instagram.com/rubesbrews/

Cousin Sal and the Degenerate Trifecta look at the odds for NFL Comeback Player of the Year (02:30), the toughest leading man in film history (11:00), and their best bets for the week (19:00) before Joe House joins the show to break down the Charles Schwab Challenge (32:45).

Your finances are one of the most personal aspects of your life, so the idea of trusting a robot or some technology to guide you on your financial journey might make you uncomfortable. Neesha Hathi is the CDO of Charles Schwab, and she knows exactly how you feel. At Schwab, everything comes down to creating the best possible client experience, and for Neesha, that means finding a way to make the digital experience personal, comfortable and intuitive, yet still joined with the real-life advisors and experts working for the company. It’s a tough job, but one that very much is focused on a future that is more technical than ever. Neesha discusses all of that and more on this episode. 

• Thinking about the client experience means creating excellent, value-added experiences
• You have to be able to combine the digital experience with the experience of working one-on-one with experts
• Being a CDO is about building a more agile company with a future-focused mindset

---

IT Visionaries is brought to you by the Salesforce Customer 360 Platform - the #1 cloud platform for digital transformation of every experience. Build connected experiences, empower every employee, and deliver continuous innovation - with the customer at the center of everything you do. Learn more at salesforce.com/platform

Charles Schwab is the founder and chairman of The Charles Schwab Corporation. What began as a small discount brokerage company in the 70’s has evolved to become the nation's largest publicly traded investment services firm, with close to $4 trillion in client assets. He is also the chairman of The Charles and Helen Schwab Foundation, a private foundation focused on education, poverty prevention, human services, and health.  He is the author of several bestselling books with his latest memoir titled Invested. 

Some interesting insights from this episode:

• He had to work extra hard to build his self-confidence to overcome his dyslexia and to keep up in class.
• People with dyslexia are conceptual thinkers who tend to not get lost in the weeds. Some people are very literal in learning and need to go from step 1 to 2 to 3 while dyslexics can go from step 1 to step 10. 
• Seeing an inherent conflict of interest between commissioned stock brokers and the customers, he invented a new contrarian business model by paying salaries to people placing trades with a bonus tied to the overall success of the company.
• After the tech meldtown of the early 2000’s, Charles had to come out of retirement to run the company again. He had to lay off thousands of employees and get the company turned around.  Sometimes founders are the only ones who can make the tough calls and drive huge fundamental changes to the business.
• He was a consummate innovator who continually pivoted, redefined the business, and opened up new markets. He knew it was important to disrupt yourself before someone else did it for you. 
• When hiring, beyond skills and experience, he looks at their character and ethics and their responsibility to the customer.
• “Excellence is an ongoing pursuit. You are always striving for it but you never achieve it.”

When Charles (“Chuck”) R. Schwab founded The Charles Schwab Corporation, he made stock investing, once expensive and clubby reserved for the few, accessible to ordinary Americans.

In his new personal memoir, ‘Invested: Changing Forever the Way Americans Invest,’ Schwab describes the ups and downs he had along the way as he fulfilled his passion to have Main Street participate in the growing economy as investors and owners, not only earners.  Join LinkedIn CFO Steve Sordello as he hosts an illuminating discussion about the personal challenges Schwab faced, how he overcame them, the life-lessons learned over his lifetime-- and how he turned a democratizing idea into an industry-changing reality that helped make investing and saving for retirement easier for millions.

Cal sits with investment guru Charles Schwab on the stage at the Money 2020 conference in Las Vegas to discuss the philosophies behind his success and how all of us need to look at retirement in an age when we may live 20 years longer than we expected. Plenty of takeaways from the man who’s gotten through a series of stock market bubbles while increasing the value of his company 21,000 percent over the last three decades. You read that right. Twenty-one thousand percent!