he is kevin norris, president of univest wealth management, nice to have you here. >> thanks for having me, appreciate it. >> let's start overall with what you're watching in this market. a lot of people have very low earnings expectations. i think you're running a little counter to that? >> yeah, well, if you take a look at the last 11 quarters, i think the expectations entering the season, the earnings season, earnings have actually outpaced them all. so i think sometimes we shoot for the downside too far. and the results ar little bit better than expectations. but -- we could get that too this time around with oil prices stabilizing and the dollar stabilizing. >> all right. you picked out some companies that you think are the best of breed. if investors want to put their money, there's places to do that. visa is the first stock. why do you like it? >> so probably the average investor would think of this as a credit play but it's really not a credit play. it's a transaction play. i think the second -- they have 50% of the credit card marketplace in transaction in three quarters in the

joining us, kevin norris, and noah blackstein. guys, good to see you. vin, could earnings season be rough because of the expectations are so bad or is it all priced in? >> well, i guess we would expect that things could be a little better than expectations if you look at the last 11 quarters headings into earnings season. the actual earnings have always outperformed the estimates. so maybe that will continue here. we know the sectors that are going to be the disappointment, the energy sector is expected to be down around 100% or more. technology and financials are going to struggle with consumer discretionary probably having a pretty decent quarter. we'll find out if we get early indication of it tonight when alcoa first reports and follow them a little closely. i would think the expectations are low. >> noah, how about you? are we going to trade around earnings because for so long it has been all macro driven, all what is up with china's gdp and what is janet yellen saying today? >> i feel like saying breaking into rescue from the macro stuff. but i thi