Arnerich Massena Podcast

Erik Selden has been in commercial banking and real estate lending for more than 17 years, including eight years as Senior Vice President at First Citizens Bank. Having financed more than a quarter billion dollars in real estate, he's seen a wide variety of different market environments, but says the current environment is a “new age” of rising interest rates. In this podcast, Managing Principal and Investment Advisor Ryland Moore interviews Erik about what he's seeing in the market, what he anticipates in the coming months, and what advice he has to offer to investors. © 2022 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena's prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client's particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

This year, the United Nations is “recognizing the contribution of women and girls around the world who are leading the charge on climate change adaptation, mitigation, and response, to build a more sustainable future for all”: the theme for International Women's Day 2022 (IWD 2022) is Gender equality today for a sustainable tomorrow. We are very excited to share the story of Karin Power, Oregon State Representative and Administrative Director of B Local PDX. “The sustainability of engagement is something I care deeply about.” This is why Karin Power took on the role of Administrative Director at B Local PDX, a community of local Certified B Corporations® that helps to connect and support them in their efforts to build socio-economic and environmental impact. Arnerich Massena Co-CEO Reegan Rae, CPWA®, sat down with Karin to learn more about what inspires her to be a powerful force for change. © 2022 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena's prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client's particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

This year, the United Nations is “recognizing the contribution of women and girls around the world who are leading the charge on climate change adaptation, mitigation, and response, to build a more sustainable future for all”: the theme for International Women's Day 2022 (IWD 2022) is Gender equality today for a sustainable tomorrow. We are very excited to share the story of Liz Zavodsky, Executive Director of Ecochallenge.org. “We have the ability to create the future we want, and we can do it through our everyday choices.” This is at the heart of Liz Zavodsky's driving philosophy; she is the Executive Director of Ecochallenge.org, a unique organization that gets people directly involved in working toward environmental and social justice. Interviewed in this podcast by Arnerich Massena Philanthropic and Investment Advisor Katherine Fox, CFP, CAP®, Liz talks about Ecochallenge.org's mission to inspire people to take responsibility for Earth. “Through our daily actions, the choices we make on a daily basis, we have influence on the world… What we're trying to show is that it does matter.” © 2022 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena's prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client's particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Susheela Peres Da Costa, BA, MA, CIMA, Head of Advisory at Regnan, is a pioneer of researching diversity, equity, and inclusion in the world of finance. Her best practice guides and white papers have been published by PRI, Regnan, and Responsible Investor. She joins Research Analyst Ben Larsen to talk about her work and extensive research. The two discuss why DEI is important to the industry and to investors, and how DEI principles can be applied to improve a company's culture and ultimately performance. © 2021 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena's prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client's particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

“A professional trustee is probably easier to define by what we are not,” begins Greg Bowman, CEO of Northwest Trustee & Management Services in this podcast interview with Senior Wealth Strategist Glen Goland, JD, CFP. A trustee is not an investment advisor, attorney, or accountant, but their services can be invaluable during a family's time of need in protecting and preserving a family's legacy. When does a family need the services of a professional trustee? Bowman discusses the independent trust model, and when a family might choose to engage a professional trustee, such as in complex family situations like multiple marriages, disharmony among family members, addiction issues, or other situations that might call for an outside objective party's help. “My concern and goal is to allow the family members – the kids normally – to be around the Thanksgiving dinner table together. I don't want them to be fighting over assets or estates,” Bowman says. He discusses how having an outside party dedicated specifically to helping administer the family trust can help to maintain harmony in the family and establish a long-term strategy focused on fairness. © 2021 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena's prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client's particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

What is long-term care insurance, do you need it, and what types of options are available? As people plan ahead for their future needs, long-term care insurance can be an important part of the puzzle, and Adam Clough, MBA, CFP®, CLU, TEP, Director of Insurance Planning at Bridge Financial Group, takes on these questions and more in a podcast discussion with Senior Investment Advisor Melody Behnke, MBA, CFP®. © 2021 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena's prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client's particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

“It actually turns out that 60 percent of adults do not have an estate plan, which is pretty shocking, especially since 90 percent of people say that they want to benefit their families and make their deaths as easy as possible on their families.” ~ Kate Kilberg, Catalyst Law LLC Sometimes, Hollywood offers us more than glitz and glamour – it offers us estate planning lessons! Kate Kilberg, a Partner and Estate Planning Lawyer at Catalyst Law, has started an unusual blog series in which she offers analysis of select films, drawing from them key takeaways that relate to estate planning. Combining estate planning and entertainment, she demonstrates that there is a lot to glean from the stories on the silver screen! In this podcast, Philanthropic and Investment Advisor Katherine Fox, CFP®, CAP®, sits down with Kate to look at two films in particular, "The Descendants" and "This is Where I Leave You," each of which illustrates important estate planning concepts and issues. © 2021 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena's prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client's particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Senior wealth strategist Glen Goland, JD, CFP, sits down with personal and divorce coach Lara Brunstrom of Sterling Fire Coaching to learn more about the divorce process and how coaching can help people manage both the practical issues and the emotional impacts as they navigate this difficult process and work toward building a new future. Lara shares some common mistakes she's seen and offers insight for anyone who is facing the prospect of dissolving a marriage. © 2021 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena's prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client's particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

In this 10-minute podcast, senior wealth strategist and investment advisor Glen Goland, JD, CFP, interviews Eric Hormel, CPA, accountant and shareholder from accounting firm Perkins and Company. They explore the question of whether an individual's connections to Oregon will subject their income to Oregon's income tax, and Eric provides some eye-opening and fascinating insight on the topic. © 2021 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Life happens, and we want to help you be prepared. Our goal is to build legacies, and part of that includes planning to ensure your family’s legacy is protected in any eventuality. In this podcast, investment and philanthropic advisor Katherine Fox, CFP®, CAP®, interviews senior wealth advisor Glen Goland, JD, CFP® and senior investment advisor Melody Behnke, MBA, CFP® about how to make sure spouses and family members are informed and ready in the case of major life changes. What does the process look like, what documents do they need, and how can you help make sure they have access to appropriate information and contacts? © 2021 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

“There are a lot of moving pieces in the federal tax world right now,” begins senior wealth strategist Glen Goland, JD, “with signs of future tax increases all around us, I’m grateful to have a chance to help our clients get out in front of some of these things.” He’s been paying careful attention to existing regulations and codes that are scheduled to sunset in upcoming years, and to political winds that could move those changes even sooner. There are actions investors can take now to prepare which may mitigate any negative effects as well as take advantage of existing low rates in certain areas that are likely to increase shortly. Senior advisor Melody Behnke, MBA, CFP® interviews Glen, covering everything from income taxes to capital gains to estate taxes. In this 20-minute podcast, you’ll learn why it may make sense to convert retirement savings to a Roth, how you may want to adjust your gifting strategies, and ideas around managing highly appreciated assets. © 2020 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

“Reach out, reach out – connect! We are all in this together!” ~Kate DeGraw, I AM Learning Partnership Community Service Coordinator Arnerich Massena’s I AM Learning Partnership is working hard to continue delivering critical help and services to our students’ families during this stay-at-home period. In this podcast, Christine Arnerich, executive administrator, and Kate DeGraw, community service coordinator, share their experiences in researching needs, organizing services, and delivering support. Interviewed by investment and philanthropic advisor Katherine Fox, CFP®, CAP®, this podcast delves into how you can assist in their efforts or find ways of your own to help people who are struggling. It’s heartening to see people pulling together during this challenging time. We’re honored to be able to help in the ways we can, and excited to share those opportunities with you. Thank you to everyone for your contributions to our broader community and the support you provide to those around you. © 2020 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

As we launch a brand new decade, it’s a good time to take a look back at where we are coming from and think about where we’re headed. In this podcast, Co-CEO and Co-CIO Bryan Shipley, CFA, CAIA, sits down with research analyst Ben Larsen to recap the markets in 2019 and discuss our outlook for the coming years. They take a deep dive into some of the market highlights of the year, and talk about what that means for investors and for our positioning going forward. In this Research Focus podcast, for those who want to take a deeper look into Arnerich Massena’s analytical process and thinking, you’ll hear about index concentration, investment style blurring, the flight to quality, frontier and emerging markets, impact investing trends, and more. © 2020 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Join senior research analyst Arthur Coyne, CFA, and research analyst Melissa Liu as they talk about the coming cultural, economic, and political changes that may affect the investment landscape in 2020. Each year, we gather together our analytical team to talk about what we see as the major trends in culture, economics, and politics that could affect the investment landscape in the coming year. Out of that discussion, we compile our investment trends list; these are not intended to be investment recommendations, but are an interesting look into the potential future environment investors will face in the coming year. In this podcast. Arthur and Melissa share their insights on the topics. © 2019 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

In Part 2 of our podcast series, Investment Committees: More than the sum of their parts, we take a look at traditional versus discretionary advisory services. Luka Arnerich, CAIA, a consultant with more than ten years of working with committees in both types of engagements, shares his thoughts and insights on what the difference is and how it affects long-term outcomes, as well as how a committee might decide between one or the other. © 2019 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

In our recent white paper, Investment Committees: More than the sum of their parts, we look at why some investment committees generate better investment outcomes than others. We examine what elements can make a committee successful, and discuss group dynamics that can systematically undermine an investment committee’s decision-making ability. In part 1 of this accompanying podcast series, senior consultants Chris Van Dyke, CFA, CAIA, and James Ellis, CFA, go even deeper, bringing their 35 years of collective experience working with committees to the discussion. In this podcast, Chris and James provide their insights on investment committee makeup, decision-making, leadership, and more, with particular attention to those pitfalls that can trip investment committees up. Focusing in particular on investment committees of non-profit organizations, they provide insight and advice that can help foster effective committee decision-making. Look for part 2 of this series coming soon, in which we’ll dive deeper into discretionary versus traditional investment advisory services. © 2019 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

We recently posted part 1 and part 2 of our Impact Investing Podcast Series, which provided some background and context to the history of Arnerich Massena’s impact research, and then discussed what impact investing is and why it’s drawing attention from investors. We’re pleased to now present part 3, in which we look at specific investment themes Arnerich Massena has identified in the impact space, and what opportunities we see for investors in these thematic areas. Co-CIO Bryan Shipley, CFA, CAIA, and research analyst Mitch Vogt discuss water, food and agriculture, resource efficiency, and life sciences/healthcare. © 2019 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

We’re pleased to now present part 2 of our Impact Investing Podcast Series, in which we look at what impact investing is and why it’s worth your attention. In this podcast, co-CIO Bryan Shipley, CFA, CAIA, and investment advisor Ryland Moore discuss everything from definitions to long-term trends, as they share their insights on the impact marketplace, its evolution, and why it’s so important right now. © 2019 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Arnerich Massena is pleased to introduce our first Research Focus podcast, in which we take a deep dive into our investment research and share our thoughts on the market landscape and investment topics. In this inaugural Research Focus podcast, “What happened in 2018 and what does that mean for 2019?” co-CIO Bryan Shipley, CFA, CAIA, and research analyst Mitch Vogt take a look at what happened last year, and where that leaves us as we move forward into this year. “2018 was a year where diversification didn’t matter,” says co-CIO Bryan Shipley. “Across the board, an extremely challenging year, particularly in the fourth quarter.” Bryan and Mitch explore the reasons why, including the Federal Reserve’s activity, political uncertainty, oil prices, and trade tensions. © 2019 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Introducing Arnerich Massena's Impact Investing Podcast Series: in this series of podcasts, we'll explore impact investing from a variety of different angles. This is Part 1, featuring co-CIOs Tony Arnerich and Bryan Shipley, CFA, CAIA, providing some background and context by discussing the history of Arnerich Massena's impact research. We're excited to share what we've learned over the past decade of researching impact investing! © 2019 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Arnerich Massena is excited to announce the addition of philanthropic advising to our service model. Philanthropy is a fundamental component of the company’s corporate philosophy and vision, and the firm shares this passion with clients by providing guidance tailored to help them build and implement a unique philanthropic strategy. In this podcast, Katherine Fox, philanthropic advisor, explains what philanthropic advising is and how it can help you develop a unique charitable giving program that is effective and impactful. © 2019 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Listen to co-CIO Bryan Shipley, CFA, CAIA and investment advisor Kate Deines as they dive deeper into the discussion about Arnerich Massena’s 2019 investment trends to watch for. In this podcast, they’ll discuss the accelerated changes in technology that will color the investment landscape of 2019, as well as some of the transformational trends, like Opportunity Zones and impact investing, that will play an equally important role next year. © 2018 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Arnerich Massena senior consultant James Ellis, CFA, shares insights on how public universities can make up funding shortfalls after decreases in state spending. He discusses fundraising solutions and investment portfolio ideas for funding public university obligations in a low-return environment and, ultimately, keeping college affordable. © 2018 Arnerich Massena, Inc. All rights reserved. By accessing this Podcast, you acknowledge that its contents and design are the property of Arnerich Massena, or used by Arnerich Massena with permission, and are protected under U.S. and international copyright and trademark laws. This Podcast and its contents may not be sold, reproduced, retransmitted, republished, edited, modified or redistributed in any way without Arnerich Massena’s prior written consent. Advertising that is incorporated into, placed in association with, or targeted towards the content of this podcast is forbidden. The information, opinions and recommendations presented in this Podcast are provided for general informational and educational purposes only and any reliance on its contents is done at your own risk. Information used in the Podcast is drawn from third-party sources believed reliable but not independently verified or guaranteed by Arnerich Massena. We do not represent that it is accurate or complete, and it should not be relied on as such. Arnerich Massena makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. This Podcast and its contents do not constitute investment advice, which would need to take into account a client’s particular investment objectives, financial situation, and needs. Opinions expressed are our current opinions as of the date appearing on this material. Past performance does not guarantee future results. Investments and strategies discussed herein may not be suitable for all readers, and you should consult with a legal, tax, or accounting professional before acting upon any information or analysis contained herein. ARNERICH MASSENA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.