Podcasts about advisor

Hello, media consumers! Bryan and Joel discuss President Trump's recent interactions with the media, including his “piggy” comment, his meeting in the Oval Office with Mohammed bin Salman, and his comments on the death of journalist Jamal Khashoggi. Next, the guys parse through MLB's new media rights deal with NBC, ESPN, and Netflix (18:32). Later, Brian and Joel examine Netflix's newly released broadcast lineup for their Christmas Day NFL games (24:16), before Joel gives his take on the whole Olivia Nuzzi situation (27:24). The show ends with the next installment of 25 for 25 as Zara Rahim joins to talk about the strategy behind Zohran Mamdani's successful mayoral campaign, her relationship with Mamdani, and changes in democratic messaging over time (37:11). Learn more about your ad choices. Visit podcastchoices.com/adchoices

Derek and Dave take over this week and break down five retirement truths most people never hear from their advisor. They start with the difference between average returns and real returns, and why volatility matters more than the headline number on your statement. They unpack sequence-of-returns risk, explain how taxes quietly drain retirement savings, and walk through why a tax-diversified portfolio can make your money last much longer. Derek and Dave also hit inflation, over-lapping mutual funds, and the mindset shift every retiree needs to enjoy their next chapter. This is one of the clearest, most practical retirement conversations we've released all year.

In this powerful conversation, Nimesh Radia sits down with CEO Advisor, bestselling author, and leadership expert Susan Drumm to explore what it really means to break away from a stable corporate career and follow a deeper calling.Together, they discuss the fear, skepticism, and judgment that often arise when you step off the predictable path — from family questioning your decisions, to the internal doubts about walking away from status, financial stability, and a clear identity.Susan shares her transformative journey from Harvard Law, management consulting, and media leadership roles into acting school in London — a leap that awakened her spiritual path and ultimately led her to become one of the most respected leadership coaches working with C-suite executives and Fortune 100 teams.This episode is a grounded, heartfelt reminder that honoring your curiosity, trusting your inner voice, and embracing uncertainty can lead you exactly where your soul has been trying to guide you all along.Key Themes✨ Leaving the corporate world to follow a soul-led purpose✨ Facing family skepticism, doubt, and identity shifts✨ Balancing head and heart in major life decisions✨ Finding your authentic voice in leadership and in life✨ Integrating spirituality, self-awareness, and leadership growthTakeaways

⬥EPISODE NOTES⬥Understanding Beg Bounties and Their Growing ImpactThis episode examines an issue that many organizations have begun to notice, yet often do not know how to interpret. Sean Martin is joined by Casey Ellis, Founder of Bugcrowd and Co-Founder of disclose.io, to break down what a “beg bounty” is, why it is increasing, and how security leaders should think about it in the context of responsible vulnerability handling.Bug Bounty vs. Beg BountyCasey explains the core principles of a traditional bug bounty program. At its core, a bug bounty is a structured engagement in which an organization invites security researchers to identify vulnerabilities and pays rewards based on severity and impact. It is scoped, governed, and linked to an established policy. The process is predictable, defensible, and aligned with responsible disclosure norms.A beg bounty is something entirely different. It occurs when an unsolicited researcher claims to have found a vulnerability and immediately asks whether the organization offers incentives or rewards. In many cases, the claim is vague or unsupported and is often based on automated scanner output rather than meaningful research. Casey notes that these interactions can feel like unsolicited street windshield washing, where the person provides an unrequested service and then asks for payment.Why It Matters for CISOs and Security TeamsSecurity leaders face a difficult challenge. These messages appear serious on the surface, yet most offer no actionable details. Responding to each one triggers incident response workflows, consumes time, and raises unnecessary internal concern. Casey warns that these interactions can create confusion about legality, expectations, and even the risk of extortion.At the same time, ignoring every inbound message is not a realistic long-term strategy. Some communications may contain legitimate findings from well-intentioned researchers who lack guidance. Casey emphasizes the importance of process, clarity, and policy.How Organizations Can PrepareAccording to Casey, the most effective approach is to establish a clear vulnerability disclosure policy. This becomes a lightning rod for inbound security information. By directing researchers to a defined path, organizations reduce noise, set boundaries, and reinforce safe communication practices.The episode highlights the need for community norms, internal readiness, and a shared understanding between researchers and defenders. Casey stresses that good-faith researchers should never introduce payment into the first contact. Organizations should likewise be prepared to distinguish between noise and meaningful security input.This conversation offers valuable context for CISOs, security leaders, and business owners navigating the growing wave of unsolicited bug claims and seeking practical ways to address them.⬥GUEST⬥Casey Ellis, Founder and Advisor at Bugcrowd | On LinkedIn: https://www.linkedin.com/in/caseyjohnellis/⬥HOST⬥Host: Sean Martin, Co-Founder at ITSPmagazine and Host of Redefining CyberSecurity Podcast | On LinkedIn: https://www.linkedin.com/in/imsmartin/ | Website: https://www.seanmartin.com⬥RESOURCES⬥Inspiring Post: https://www.linkedin.com/posts/caseyjohnellis_im-thinking-we-should-start-charging-bug-activity-7383974061464453120-caEWDisclose.io: https://disclose.io/⬥ADDITIONAL INFORMATION⬥✨ More Redefining CyberSecurity Podcast: 

About the Guest(s):Maddy Roche - Maddy handles all marketing, growth, and prospect engagement for Childfree Trust® - the first nationwide medical and financial POA, executor and trustee representation service for the Childfree population. She understands the challenges of being Childfree as it relates to estate planning and is passionate about educating her community about ways to prepare.Before joining Childfree Trust®, she was XYPN's first employee and host of XYPN's podcast Behind the Advisor. In her previous roles as Vice President and Executive Business Coach, she helped build and lead the departments that deepen XYPN's membership value.Maddy has seen, heard, and helped thousands of financial planners throughout their entrepreneurial journeys with energy, expertise, and compassion.Episode Summary:In this enlightening episode of Money Roots, host Amy Irvine is joined by Maddy Roche, Chief Growth Officer at Child Free Trust, for an in-depth discussion on a timely financial planning topic: estate planning for child-free individuals. Maddy's expertise comes to the forefront as they explore the common misconceptions surrounding estate planning for those without children, emphasizing the need for a structured plan to safeguard one's legacy. This conversation is critical for the 25% of Americans who lack children, whether by choice or circumstance.The conversation delves into the innovative solutions offered by Child Free Trust, a groundbreaking initiative poised to fill the "fiduciary void" faced by child-free adults. By January, the organization will officially provide nationwide services as medical power of attorney, financial power of attorney, executor, and trustee, uniquely catering to the 15 million Americans over 55 without children. Amy and Maddy discuss the substantial need for such services and how the digital platform will facilitate critical information sharing across all 50 states, ensuring individuals have someone to rely on in times of medical emergencies, cognitive decline, or death. This episode shines a light on the future of estate planning, presenting options for those who previously had limited solutions.Key Takeaways:Child Free Trust offers the first nationwide estate planning service tailored for individuals without children.Estate planning isn't just about preparing for death; it's also about emergency preparedness for medical situations and cognitive decline.The service covers all 50 states, providing comprehensive solutions that include medical and financial power of attorney, executor, and trustee roles.Many child-free individuals face the "fiduciary void," lacking a designated representative to act on their behalf amid emergencies.Maddy emphasizes the importance of removing emotional biases in decision-making, opting for professional, impartial third-party services.Notable Quotes:"A lot of people say, oh, it must be so easy to plan for estate planning purposes when you don't have kids. I'm like, yeah, like, who do you leave your stuff to? It's actually a big problem." – Amy Irvine"There are 25% of Americans that don't have kids either by choice or by circumstance." – Maddy Roche"15 million Americans over 55 don't have children. It's a huge market; it's a huge underserved market in so many ways." – Maddy Roche"We really try to neutralize some of this ahead of time, and working with a planner like you can help." – Maddy Roche"This takes that out and there's continuity, so it doesn't matter if there's any health events, there's that continuity of care that continues." – Amy IrvineResources:Child Free Trust – Offering estate planning services tailored for child-free individuals.

Ryan Marcus has a passion for helping the wealth management industry better serve the neurodivergent community. He argues that the industry is not serving them in an intentional way. Neurodivergence refers to divergence in mental or neurological function from what is considered typical or normal. It's frequently used with reference to autistic spectrum disorders. The … Read More Read More

Rory McGowan talks to Tara Jarrett, a nurse advisor who's been dealing in continence care for 21 years, about how this taboo area of healthcare works and how care homes and hospitals are saving money via standardised training and product usage. They discuss updating our mindset around how we think of continence care, and why we should talk about it more if we have issues around our bladder and believe that we can save money on care.

The Ultimate Inheritance for Your Kids and Will AI Actually Create More Jobs? In this episode, Wes Moss shares the real-life story of a couple who is wrestling with the common parental dilemma of whether to pay off their son's significant student debt. While the urge to help is strong, Wes breaks down the financial reality, explaining why protecting your own retirement is actually the greatest act of love and generational generosity you can give your kids. Also, Wes shifts gears to the economy, diving into the fear that AI is taking all the jobs. Drawing on a comprehensive World Economic Forum report, he offers a surprisingly optimistic outlook: while some existing jobs will be displaced, the creation of an estimated 170 million new jobs globally will result in a substantial net gain. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 18, 2025, Ask an Advisor episode of the Clark Howard podcast.. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Creating a business you love doesn't have to be a fantasy, and in this episode, Libby brings back her best friend and long-time advisor Jen for a real, transparent look at what it takes to reclaim your time, refine your systems, and run a thriving advisory firm with intention.

About Harpaul Sambhi:Harpaul Sambhi is a serial entrepreneur and the founder of Magical, where he's building Agentic AI for healthcare to transform how people and systems interact in one of the world's most vital industries. Based in the San Francisco Bay Area, Harpaul combines a deep technical background with a passion for human-centered innovation. Before founding Magical in 2020, he built and sold Careerify to LinkedIn, where he later led product initiatives within LinkedIn Talent Solutions and Microsoft, helping shape the future of talent acquisition and HR technology.Alongside building companies, Harpaul has served as Entrepreneur in Residence at Bain Capital Ventures, Advisor at On Deck, and a Limited Partner in leading VC funds, including Bain Capital Ventures, iNovia Capital, and OnDeck. Earlier in his career, he authored Social HR (published by Thomson-Reuters) and lectured at the Schulich Executive Education Centre on innovation, technology, and the evolving workplace.At his core, Harpaul is guided by simple principles—striving to be a good human and a dedicated father, husband, son, brother, and friend—while working with great people to build great products that make a difference. A graduate of the University of Waterloo with a degree in electrical engineering, he continues to live by curiosity, humility, and the drive to create technology that serves people, not the other way around.About Doug Hires:Douglas Hires is a seasoned healthcare executive, consultant, and entrepreneur with over 35 years of leadership experience across the healthcare and information technology sectors. Based in Dallas, Texas, Douglas has built a distinguished career driving operational excellence, business transformation, and financial performance for some of the nation's leading healthcare organizations. His expertise spans providers, payers, government, and life sciences, and his track record includes accelerating growth, restructuring operations, and guiding organizations through strategic reinvention.Currently, Douglas serves as Executive Advisor at Magical, Managing Partner at JD Hires Advisory Group, and Founder & President of New World Wine Designs, where he combines his business acumen with his passion for fine wine and craftsmanship through bespoke wine cellar design and building. He also advises healthcare and sales organizations through roles with Healthcare IT Leaders and SalesSparx LLC, lending his strategic insight to help teams scale with precision and purpose.Previously, Douglas held multiple senior leadership roles at Optum, including Chief Operating Officer for OptumInsight Provider and COO of the Hospital Services Division, overseeing end-to-end revenue cycle operations for Dignity Health's 36 hospitals. His earlier career includes executive roles at Santa Rosa Consulting, 3M Health Information Systems, SoftMed Systems, and First Consulting Group, where he earned recognition as a respected thought leader and sought-after industry speaker.Things You'll Learn:Agentic AI surpasses automation by reasoning, adapting, and executing end-to-end workflows, thereby freeing healthcare workers from repetitive tasks.Healthcare organizations are already seeing results, such as doubling prior authorization volume while cutting staff needs and decision times in half.The shift from RPA to agentic AI mirrors the evolution from MapQuest to autonomous vehicles, smarter, smoother, and self-correcting.Successful AI adoption requires attention to change management and staff reallocation, not just technology deployment.Evaluating AI vendors using six key pillars (reasoning, adaptability, interoperability, agility, scalability, and fault tolerance) helps cut through the hype and identify real solutions.Resources:Connect with and follow Harpaul Sambhi on LinkedIn.Connect with and follow Doug Hires on LinkedIn.Follow Magical on LinkedIn.Visit Magical's website.

The AOR team of Jeff Schulze and Josh Jamner offer their prognostications for the U.S. economy and equity market in the year ahead, building a case for positive momentum to shine through.

In many East Asian cultures, childbirth marks not just a beginning, but a sacred period of recovery known as Zuò Yuè Zi, or “sitting the month.” Rooted in Traditional Chinese Medicine, this postnatal confinement practice emphasizes rest, warmth, and nourishment to restore balance and vitality after delivery, which is said to deplete the mother's qi, or vital life force. In the modern and busy world of working mothers with unpaid maternity leave, is it possible to incorporate facets of an ancient rejuvenating practice into the home?In this episode, we are joined by Dr. Kristal Lau, MBBS, MPH, BMedSc. Dr. Lau is a board-certified physician with over a decade of experience, the leading postpartum wellness consultant, author of 'Postpartum 30' (double winner at the NYC Big Book Award), and the founder of Bridges in Health and Mama's Wing Woman, a consulting company that creates wellness experiences for individuals and families and provides postpartum planning, coaching, and wellness programs to new parents and their families.Dr. Lau received her MBBS from the University of Queensland in Brisbane, MPH in Health Care Organization and Policy from the University of Alabama at Birmingham, and General Medicine residency in Australia. Dr. Lau has then become an expert in postpartum practice, having served as an Advisor and the Co-Chair of the Women's Health Lifestyle Medicine Initiative at European Lifestyle Medicine Organization, Postnatal Retreat Development Consultant at Sanu, Family Resiliency Expert at the United States Army, and Director of Education at the Military Birth Resource Network & Postpartum Coalition. Dr. Lau has been featured on Goop, Medium, CEO Weekly, KTLA, Exeleon Magazine, EIN Presswire, and ABNewswire.Follow Friends of Franz Podcast: Website, Instagram, FacebookFollow Christian Franz (Host): Instagram, YouTube

In this episode, Morgan sits down with Mark Householder - SVP of Business Solutions at Principal Financial Group - to unpack the biggest takeaways from the 2025 Principal Business Owner Insights Study.  From business protection and succession planning to key employee benefits and retirement solutions, we break down what's driving decisions in 2025 and how advisors can turn data into opportunity. Mark shares practical strategies, overlooked blind spots (like outdated buy-sell agreements), and how top advisors are positioning themselves as trusted partners – not just product providers. Whether you're supporting multi-generational family businesses or next-gen entrepreneurs, this episode offers real-world insight you can use today to deepen relationships and expand your business.

Cultural Differences and Government with Maria Paula Correa Maria Paula Correa serves as Chief Relationship Officer at Libra Group, overseeing global partnerships with governments and key stakeholders. Based in Miami and Bogotá, she is part of the Group's Leadership Team. She plays a pivotal role in establishing connections that bridge cultural differences and align government priorities across international markets. Her focus is on creating trust-based relationships that drive cooperation and sustainable growth. Between 2018 and 2022, Maria was Chief of Cabinet to the President of Colombia, working under President Iván Duque Márquez. In this position, she directed interinstitutional coordination, international relations, and strategic communications for the national government. Before that, she was Senior Director of Strategic Engagement at Concordia, promoting dialogue on global partnerships and how cultural differences and government influence policy and collaboration. Earlier, she worked as Consul at the Colombian Consulate in New York and as Advisor to the Chief of Staff during President Álvaro Uribe's administration, strengthening Colombia's diplomatic relations abroad. Maria holds an MPA from Columbia University's School of International and Public Affairs and a B.A. in Law with a Political Science concentration from Universidad de Los Andes in Colombia. She also completed diplomas in Political Communications from Universidad Javeriana and Public Management and Administrative Institutions from Universidad de Los Andes. Her background demonstrates a deep commitment to diplomacy, public service, and leadership. Through her work, she consistently emphasizes how cultural differences and government dynamics shape global decision-making and cooperation. In addition to her executive responsibilities, Maria serves on the Board of Directors of Casa Editorial El Tiempo, Colombia's largest media organization, where she contributes to strengthening informed dialogue and international understanding. Her tips to become more culturally competent are: Pay attention to detail. Don't underestimate cultural intelligence. Always respond, even though they might not like the response. Listen before you interpret and respond. You need to have contacts. This is usually more valuable than what you know. Build cultural curiosity into your life. Want to avoid the most common mistakes when working internationally? Read this article. Cultural Differences and Government with Maria Paula Correa More stories and culture can be found here. Culture Matters The Culture Matters Podcast on International Business & Management Podcast Build your Cultural Competence, listen to interesting stories, learn about the cultural pitfalls and how to avoid them, and get the Global perspective here at the Culture Matters podcast on International Business. We help you understand Cultural Diversity better by interviewing real people with real experiences. Every episode there is an interview with a prominent guest, who will tell his or her story and share international experiences. Helping you develop your cultural competence. Welcome to this culture podcast and management podcast. To Subscribe to this Management Podcast, Click here. The Culture Matters Culture Podcast. Available on iTunes and Stitcher Radio Click here to get the podcast on Spotify Talk to your Amazon Alexa and listen to the Podcast Listen directly on Amazon If you have a minute, please leave me an honest rating and review on iTunes by clicking here. It will help the visibility and the ranking of this culture podcast on iTunes immensely! A BIG THANK YOU! Enjoy this FREE culture podcast! Music: Song title - Bensound.com More Ways of Listening: Get a Taste of How Chris Presents, Watch his TEDx Talk     Name Email Address Phone Number Message 14 + 13 = Send Call Direct: +32476524957   European Office (Paris) Whatsapp: +32476524957   The Americas (USA; Atlanta, GA; también en Español):  +1 678 301 8369 Book Chris Smit as a Speaker If you're looking for an Engaging, Exciting, and Interactive speaker on the subject of Intercultural Management & Awareness you came to the right place. Chris has spoken at hundreds of events and to thousands of people on the subject of Cultural Diversity & Cultural Competence. This is What Others Say About Chris: “Very Interactive and Engaging” “In little time he knew how to get the audience inspired and connected to his story” “His ability to make large groups of participants quickly and adequately aware of the huge impact of cultural differences is excellent” “Chris is a dedicated and inspirational professional” In addition, his presentations can cover specific topics cultural topics, or generally on Cultural differences. Presentations can vary anywhere from 20 minutes to 2 hours and are given worldwide. Book Chris now by simply sending an email. Click here to do so. Read more about what Chris can do for you. Percentage of People Rating a Presentation as Excellent 86% 86% Rating the Presentation as Practical 89% 89% Applicability of Chris' presentation 90% 90% About Peter van der Lende Peter has joined forces with Culture Matters. Because he has years and years of international business development experience joining forces therefore only seemed logical. Being born and raised in the Netherlands, he has lived in more than 9 countries of which most were in Latin America. He currently lives in Atlanta, Georgia (USA) with his family. You can find out more at https://expand360.com/ Or find out what Peter can do for you here.

This week's episode of “Investing Simplified” with Matt Sudol and Matt Mai focused on helping listeners navigate the current economic landscape, tax changes, and financial planning strategies. The hosts discussed significant recent events, including the ongoing U.S. government shutdown and its effects on travel and benefits, rumors of potential stimulus rebates, and the upcoming Oregon “kicker” refund for state taxpayers. They also tackled various home finance topics, such as the pros and cons of a proposed 50-year mortgage, affordability challenges in real estate, and the impact of Federal Reserve interest rate decisions.In the latter part of the show, attention shifted to practical tax and retirement savings strategies, clarifying the differences between Roth and traditional IRAs, income limitations, and 401(k) contribution rules. Their guest, Ryan from E-Legacy Law, shared advice on overcoming common obstacles to estate planning, including time constraints, fear, denial, indecisiveness, and concerns over cost.Navigating the world of finance can be overwhelming, especially when biased advice and outdated strategies cloud the path to financial success. That's why Price Financial Group Wealth Management created Investing Simplified — a podcast dedicated to demystifying the complexities of finance and investing. Join our experienced hosts and guest experts as they break down financial concepts into practical, actionable insights. Whether you're a seasoned investor or just getting started, Investing Simplified is your go-to resource for honest advice and proven strategies to help you build a confident financial future. Meet the Hosts: Matt Mai - CIO & Wealth Manager Matt Sudol - COO & Wealth Manager Bo Caldwell - CCO & Wealth Manager Tune in and take charge of your financial journey with clarity and confidence! Schedule A Complimentary Consultation

The UN climate convention known as COP30 is now underway in Brazil. As the nations of the world gather to discuss their efforts to rein in climate disruption, the facts are clear: we're not doing enough, fast enough, to meet the Paris Agreement goal of limiting warming to 1.5 degrees Celsius above preindustrial levels. Climate-fueled disasters are increasingly impacting nearly every part of the world. And in Belém, Brazil, near the heart of the Amazon rainforest where the conference is being held, organizers have promised that Indigenous voices will play a bigger role than in the past. They've also billed this as an “implementation COP” where past promises will be turned into action. What practical steps can we hope countries achieve in this year's negotiations? Episode Guests: Ilana Seid, Permanent Representative of Palau to the United Nations; Chair, Alliance of Small Island States (AOSIS) Davi Neustein, Sustainability Consultant; Advisor to Marcelo Behar, COP30 Special Envoy  Deborah Sanchez, Director, CLARIFI (Community Land Rights and Conservation Finance Initiative), Rights and Resources InitiativeFor show notes and related links, visit ClimateOne.org. ***** Support Climate One by going ad-free! By subscribing to Climate One on Patreon, you'll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. Sign up today. Ad sales by Multitude. Contact them for ad inquiries at multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

The UN climate convention known as COP30 is now underway in Brazil. As the nations of the world gather to discuss their efforts to rein in climate disruption, the facts are clear: we're not doing enough, fast enough, to meet the Paris Agreement goal of limiting warming to 1.5 degrees Celsius above preindustrial levels. Climate-fueled disasters are increasingly impacting nearly every part of the world. And in Belém, Brazil, near the heart of the Amazon rainforest where the conference is being held, organizers have promised that Indigenous voices will play a bigger role than in the past. They've also billed this as an “implementation COP” where past promises will be turned into action. What practical steps can we hope countries achieve in this year's negotiations? Episode Guests: Ilana Seid, Permanent Representative of Palau to the United Nations; Chair, Alliance of Small Island States (AOSIS) Davi Neustein, Sustainability Consultant; Advisor to Marcelo Behar, COP30 Special Envoy  Deborah Sanchez, Director, CLARIFI (Community Land Rights and Conservation Finance Initiative), Rights and Resources InitiativeFor show notes and related links, visit ⁠ClimateOne.org⁠. Highlights: 00:00 - Intro 00:30 – Voters responding to energy and affordability in most recent election 02:00 – COP30 is happening in Brazil, opening remarks by UN leaders 07:00 – Major items on the COP30 agenda 10:30 – Davi Neustein on deliberate choice to hold COP30 in Belém 14:00 – Brazil can speak to Global South and Global North 19:00 – Neustein's hopes for the COP30 action agenda 21:30 – Weeks before COP, Brazil approved new oil drilling in Amazon 27:00 – Ilana Seid shares climate impacts to her home nation of Palau 29:30 – What an “implementation” COP means 35:30 – Is there a need for a new narrative around climate change? 42:00 – Deborah Sanchez shares story of securing land rights for her community 47:00 – Example of a project funded through CLARIFI (Community Land Rights and Conservation Finance Initiative) 51:00 – How COP goal of elevating Indigenous voices is working out in reality 55:00 – What can we learn from the Amazon and how its managed 56:30 – Climate One More Thing ***** Support Climate One by going ad-free! By subscribing to Climate One on ⁠Patreon⁠, you'll receive exclusive access to all future episodes free of ads, opportunities to connect with fellow Climate One listeners, and access to the Climate One Discord. ⁠Sign up today⁠. Ad sales by ⁠Multitude⁠. Contact them for ad inquiries at ⁠multitude.productions/ads Learn more about your ad choices. Visit megaphone.fm/adchoices

This interview was recorded for GOTO Unscripted.https://gotopia.techRead the full transcription of this interview here:https://gotopia.tech/articles/388Meri Williams - CTO at Pleo & Advisor at Skiller Whale & Kindred CapitalCharles Humble - Freelance Techie, Podcaster, Editor, Author & ConsultantRESOURCESMerihttps://x.com/Geek_Managerhttps://github.com/geekmanagerhttp://blog.geekmanager.co.ukCharleshttps://bsky.app/profile/charleshumble.bsky.socialhttps://mastodon.social/@charleshumblehttps://conissaunce.comLinkshttps://blog.container-solutions.com/managing-remote-teams-in-scaling-organisationsDESCRIPTIONJoin us in a conversation with Meri Williams, an experienced CTO who has led technology teams from 30 to 300 people across organizations.In this candid discussion, Meri shares their journey from reluctant manager to seasoned leader, revealing hard-won insights about scaling teams, avoiding the "Google trap" of copying big tech practices inappropriately, and why investing in onboarding can make or break your organization.With refreshing honesty about management mistakes and the ongoing importance of diversity in building products that serve everyone, this conversation offers practical wisdom for anyone navigating the world of tech leadership.RECOMMENDED BOOKSMeri Williams • The Principles of Project Management • https://amzn.to/4lj5B1GTom DeMarco & Tim Lister • Peopleware • https://amzn.to/3KJmFOqMarcus Buckingham & Gallup Organization • First, Break All the Rules • https://amzn.to/40xpppIDaniel H. Pink • Drive: The SurpriInspiring Tech Leaders - The Technology PodcastInterviews with Tech Leaders and insights on the latest emerging technology trends.Listen on: Apple Podcasts Spotify Canada NowBold ideas with the people shaping Canada's next chapter.Listen on: Apple Podcasts SpotifyBlueskyTwitterInstagramLinkedInFacebookCHANNEL MEMBERSHIP BONUSJoin this channel to get early access to videos & other perks:https://www.youtube.com/channel/UCs_tLP3AiwYKwdUHpltJPuA/joinLooking for a unique learning experience?Attend the next GOTO conference near you! Get your ticket: gotopia.techSUBSCRIBE TO OUR YOUTUBE CHANNEL - new videos posted daily!

The Moneywise Radio Show and Podcast Wednesday, November 12th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Radio Show & Podcast" call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Steve Sanders, Holiday Lights at CALM website: https://calmholidaylights.org/  

The government's Chief Victims Advisor feels rage that victims feel responsible when their abuser goes on to harm again. Ruth Money spoke to Corin Dann.

✈️ Retire Pilots the Right Way!

This week it's another special episode from the Sifted Summit, with senior reporter Kai Nicol-Schwarz sitting down with serial entrepreneur Alex Depledge — founder of Resi and Hassle.com, and now entrepreneurship advisor to UK Chancellor Rachel Reeves.Alex shares her experience of navigating government and trying to make changes for the UK's tech sector, and discusses how to tackle the exodus of startup talent from the country. Her and Kai get into how to unlock more late stage capital for high-growth companies, how pension funds can play a bigger role and how the UK government is bringing in business experience to help guide policy.Want to sponsor the podcast? Email commercial@sifted.eu to express your interest.PLUS: Take our listener survey here: https://form.typeform.com/to/WbVxsSv7 (T&Cs apply)

On our recent trip to Israel, I was honored by the Israel Defense Forces' and the Jerusalem Battalion Commander Joel Golden with an honorary enlistment certificate, appointing me as a Prophetic Tactical Advisor. It was one of the greatest honors of my life—and a powerful reminder that Bible prophecy is unfolding before our very eyes. Join me on The Endtime Show as I share what this moment means for Israel, for prophecy, and for believers around the world. ⭐️: True Gold Republic: Get The Endtime Show special on precious metals at https://www.endtimegold.com📱: It's never been easier to understand. Stream Only Source Network and access exclusive content: https://watch.osn.tv/browse📚: Check out Jerusalem Prophecy College Online for less than $60 per course: https://jerusalemprophecycollege.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's episode is another installment in our Tech-Enabled Advisor series. The idea here is to better understand agtech through the lens of the BUYER and USER of that technology rather than just the entrepreneurs or investors behind it. I've received some super positive feedback about the return of this series. By talking to the buyers rather than the sellers of the tech, we got an unfiltered introduction to the technology and more importantly got to see HOW its used and the VALUE that it provides. To do this, I partner with a company and together we invite one of their customers onto the show. The catch is that they're not allowed to script these individuals or dictate what to say or edit it after it is recorded - it has to be real and unfiltered. So today's episode featuring Todd Kirwan of Apex Precision Agriculture is produced in partnership with AgWorld. And I'm really excited to be partnering with them again, as they were a part of the last time I did this tech-enabled advisor series. But for anyone who might not be familiar, Agworld has been operating since 2009, developed by and for growers & agronomists, and is independently owned. The Agworld ecosystem digitally connects growers with their staff, agronomist, contactor, ag retailer and anyone else that is involved in the farming process. The tool is set up to enable collaboration in the digital farming process, so farmers can maximise financial and crop performance. With Agworld you can plan your crop, mitigate your risks, and improve your profitability. And you're going to get a great illustration of what that looks like on the ground and in practice in today's episode with Todd Kirwan. Todd and I discuss what types of cultural changes need to happen in a farming operation to get the most out of technology, where things go wrong in the attempts to get the most value out of farm data, why he believes the challenging farm economy makes tools like AgWorld even more critical and some of the changes he sees happening in the future of agriculture. A little background on Todd: Todd Kirwan is the founder of Apex Precision Agriculture, a consultancy focused on helping growers and agribusinesses transform their operational data into their most profitable asset.With over 25 years in large-scale production agriculture, his career has been dedicated to bridging the gap between field-level agronomy and high-level financial strategy. Over that time, he's seen the industry from every angle, from moving pipe on the family farm to directing operations for a multi-state farming enterprise. Through his experiences in farm management, he recognized a critical need for a partner who understands not just the data, but the human dynamics of implementing change. And that led him to starting Apex Precision Agriculture. Todd grew up working in his family's farming operation and then started his own custom applicator business. That led him into farm management and leadership for a rapidly expanding farming company called Lance Funk Farms. He then stayed on after Lance Funk sold to AgReserves, which is the agricultural company owned by the LDS church. It was that time at Lance Funk Farms, when they were hyper focused on growth that Todd really embraced how technology can improve a farming operation.

In this episode of Unlock Your Life, Jennings sits down with Richard Wilson, founder of Family Office Clubs, who shares his expertise on building meaningful relationships with high-net-worth investors. Wilson reveals why community building trumps transactional approaches, emphasizing that trust developed over time is the foundation for successful deals. He breaks down his practical three-part strategy for capital raising: crafting a compelling one-liner, creating a concise video pitch, and developing a powerful one-page document. The conversation explores Wilson's innovative AI platform, which helps investors with due diligence and deal structuring. Drawing from his experience interviewing billionaires and his background as a third-generation Eagle Scout, Wilson offers valuable insights into the mindset and values that drive successful individuals. His emphasis on integrity, persistence, and focusing on what truly matters will leave you with actionable wisdom for both business and personal growth.  Thanks for listening!

In this fast paced conversation, Ken and Alex discuss the role of annual family meetings as an important part of a family's Legacy work. In this approach to doing Family Legacy, the Family Meeting represents a great opportunity for the advisor to work more closely with family members that they may have never connected with before. Not just the "Next Generation" clients, the annual Family Meeting gives the advisor a chance to work more closely with the spouse who may be highly interested in creating a meaningful family experience. One of the key ideas that emerged from the conversation was the role of an annual Family Meeting in helping families "develop the muscles" they will need to have in place when difficult decisions need to be made. By starting with a simple and fun Family Meeting experience and committing to a meeting every year the family benefits from learning how to work together, grapple with important decisions and experiencing the value of their financial advisor as an important, multi-generational resource. Also in this episode, the AllianceBernstein Digital Coach – see practice management solutions for advisor success: abfunds.com/go/digitalcoach DISCLAIMER Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor's personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates.

Thanks to our Partner, NAPA Autotech Training and Pico TechnologyWatch Full Video EpisodeWe unpack what “boundaries” actually are—and aren't—in shops and life. Margaret draws clear lines between rules vs. boundaries, protective vs. containing boundaries, and gives scripts you can use with customers, colleagues, and leadership. Matt adds his trademark honesty (and jokes) about self-regulation, “saying it like it is,” and swapping “but” for “and.”Sponsor shoutoutsNAPA AutoTech Training — Apprentice pathways, Tech Update, Service Advisor, and EV Ready week-long hands-on training. Details: napaautotech.comPico Technology (PicoScope) — Turn a PC into a powerful diagnostic scope. Guided tests, EV kit, faster fault-finding. Details: picoauto.comKey ideas & takeawaysRules vs. Boundaries: Rule: “You're not allowed to yell at me.” (trying to control others)Boundary: “If you yell at me, I will leave the room.” (what I will do)Two Types of Boundaries:Protective: Guard yourself from others' behavior (leave the room, pause the call).Containing: Guard others from your behavior (take a break before you escalate).Simple Shop ScriptsAdvisor to escalated customer: “I'm happy to help and if the yelling continues, I'll have to ask you to leave. I'm happy to help when we're calm.”Advisor protecting self: “If voices rise, I'm going to step to the break room for five minutes and then return to help.”Employee to manager (after-hours texts): “I'll handle this when I'm back at work.” (Boundary = your response, not their texting.)Use “and,” not “but.”“I hear you overslept and I need you here on time.”Removes the “disqualifier” feel of but, holds two truths at once, reduces power struggles.Broken-record technique for heatRepeat your boundary + offer: “I'm happy to help, and if the yelling continues, I'll need you to leave.”Professionalism ≠ light switchContainment and communication are skills that need coaching, not just warnings. Managers can (and should) teach, not only discipline.Reasonable ExpectationsSome things are rules of employment (e.g., start times). People can be upset and the expectation still stands.Curiosity FirstLead with, “Are you open to feedback?” “Tell me what would work better.” You can hear it without agreeing to change your decision.Culture Over ChaosWe don't need reality-TV drama in a professional shop. Boundaries + coaching = fewer blowups, better results.Practical Playbook - Train mechanical specialists and technical specialists to:Spot their escalation early (breathing break, lap around the building).State boundaries in first-person (“I will…”) not second-person commandments.Swap but → and in feedback and estimates.Train advisors on three phrases:“I want to help, and we'll...

Professor Atewologun is the former Dean of the Rhodes Scholarship at the University of Oxford and is currently the Founder and CEO of Delta, Advisor to the board of the Tearfund and Trustee at the Old Fire Station. In this conversation, we cover: What did the Parker review get right and where did it go wrong? (01:47) Is there a relationship between diversity and performance? (5:39) The difference between equity and equality, and when it's right to pursue one versus the other (09:50) Should boards ditch DEI? (20:43) Practical examples of boards that get DEI right (29:07) Examples where they get it wrong (32:48) ⚡The Lightning Round ⚡(37:04)Host: Oliver Cummings Producer: Will Felton Music: Kate Mac Audio: Nick Kold Email: podcast@nurole.com Web: https://www.nurole.com/nurole-podcast-enter-the-boardroom

Top 10 'Overvalued' Cities and Second Act Career: A One-in-a-Million Story In this episode, Wes Moss dives deep into the housing market, revealing why it has become the most extreme buyer's market in a decade. Wes breaks down the latest data, pinpointing the top 10 "overvalued" cities that have the biggest seller-to-buyer imbalance, with some areas seeing over 160% more sellers. He also covers the updated list of the most and least expensive housing markets in the U.S. Also, Wes shares an incredible story about a one-in-a-million "second act" career. Meet Tom Cillo, a 58-year-old who is living out an unfinished purpose by playing college football. Wes shares how Tom's journey can motivate you to find fulfillment, connection, and a sense of purpose in your own "second act," proving it's never too late to pursue a dream. Mentioned on the show: WSJ - He's 58 and Trying to Break Into College Football. Is Basketball Next? Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 11, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Our Research and Investment Management analysts Michael Cyprys and Denny Galindo discuss how and why cryptocurrencies are transitioning from niche speculation to portfolio staples. Read more insights from Morgan Stanley.----- Transcript -----Michael Cyprys: Welcome to Thoughts on the Market. I'm Mike Cyprys, Head of U.S. Brokers, Asset Managers and Exchanges for Morgan Stanley Research.Denny Galindo: And I'm Denny Galindo, Investment Strategist for Morgan Stanley Wealth Management.Michael Cyprys: Today we break down the forces making crypto more accessible and what this shift means for investors everywhere.It's Tuesday, November 11th at 10am in New York.We've seen cryptocurrencies move from the fringes of finance to being considered a legitimate part of mainstream asset allocation. Financial platforms, especially those serving institutional clients, are starting to integrate crypto more than ever.Denny, you've written extensively about the crypto market for some time now among your many jobs here at Morgan Stanley. So, from your perspective in wealth management, what are you hearing from retail clients about their growing interest in crypto?Denny Galindo: Yeah, we actually started writing about crypto back in 2017. We had our first explainer deck, and we started writing extensive educational reports in 2021. So, we've covered it for a while.Advisors who dabble in crypto typically had this one client. He asked a lot of questions about when they could do more. We also had some clients who were curious, maybe their neighbor made a lot of money, bought a new boat and they were like wondering, you know, what is this Bitcoin thing?Now, this year we've seen a sea change. I think it was the election really started it; the Genius Act, and some of the legislation also kind of added to it. Almost all this interest is really on Bitcoin only, although we also have gotten a decent amount of interest about stablecoins and how those might impact things. But it's really just the beginning and I think it's an area that's; it's not going to go away.Mike, on the institutional side, what trends are you seeing among asset managers and brokers in terms of crypto adoption integration?Michael Cyprys: So, we've seen a big move into the ETF space as large money managers make crypto easier to access for both retail and institutional investors. Now this comes on the back of the SEC approving the first spot Bitcoin and Ethereum ETFs back in 2024. And since then, we've seen firms from BlackRock to Fidelity, Franklin, Invesco, and many others, including crypto native firms having launched spot Bitcoin ETFs and spot Ethereum ETFs. And these steps in the minds of many investors have legitimized crypto as an investible asset class.Most recently, we've seen the SEC adopt generic ETF listing standards for crypto ETFs that can make it easier to accelerate ETF launches in reduced regulatory frictions. And today the crypto ETF space is about $200 billion of assets under management and saw inflows of over [$]40 billion last year, over [$]45 billion so far this year – despite some of the near-term volatility. And most of the asset class today is in Bitcoin, single token ETFs, with BlackRock and Fidelity managing the largest ETFs in the space.Speaking of products, what types of crypto are retail investors most curious about? And why do those particular ones make sense for their portfolios?Denny Galindo: Yeah, I think you hit the nail on the head. The most popular products are really the Bitcoin products. We as a firm allowed solicitation in Bitcoin ETPs more than a year ago in brokerage accounts. We just expanded them to allow them in Advisory in October. So, we're still early days here. There really hasn't been that much interest in the other crypto products.Now when people think about this, there's three buckets here. There are some people that think of it like digital gold. And they're worried about inflation. They're worried about government deficits. And that's kind of the angle that they're approaching crypto from. A second group think of it like a venture capital, like a disruptive innovation in tech that's going after this big addressable market. And, you know, hopefully the penetration will rise in the future. And then the third bucket is really thinking [of it] out it as a diversifier. So, they're saying, ‘Hey, this thing is volatile. It doesn't match stocks, bonds, other assets. And so, I kind of want to use it for diversification.'Now, Mike, when you have these discussions with institutional clients, how do they view the risk and potential of these different cryptocurrencies?Michael Cyprys: What's interesting with the crypto space is adoption started on the retail side with institutions now slowly beginning to explore allocations. And that's the opposite of what we've seen historically with institutions leaning in ahead of retail in areas, whether it's commodities or private markets. But it's still early days.On the institutional side, we're starting to see some pensions, endowments, foundations begin to make some small allocations to Bitcoin as a long-term inflation hedge. But keep in mind, institutions tend to make investments in the context of strategic asset allocations, often with a broader macro framework.Denny, you've written quite a bit about the four-year crypto cycle. Could you explain what that is and where you think we are in the current crypto cycle?Denny Galindo: Yeah, if you look at the data, you see a pretty clear trend of a four-year cycle. So, there's three up years and one down year, and it's been like clockwork, since Bitcoin was invented.Now when you see something like that, you always try to explain like: why is this happening? So, there's two kind of dominant explanations that we've seen. So, one's macro, one's micro. Now the macro version for crypto is really the M2 cycle. So, we see that M2 to that global M2 money supply has kind of accelerated and decelerated in four-year cycles, and Bitcoin tends to really match that cycle. It tends to accelerate when M2's accelerating and it tends to decline when it's decelerating or declining.But there's also this bottoms-up way of looking at it, and commodities are really the place we go to for that analysis. So, a lot of commodities, you know, could be coffee, could be oil – if something disrupts supply, you tend to get the shortage, you get the price moving up.Then you get commodity speculators piling in, adding leverage. And it'll just kind of go parabolic. At some point something pops the bubble, usually more supply, and then you get like a great depression. You get like an 80 percent draw down. All the leverage comes out and the whole thing crashes. So crypto has also followed that.Now, we break the four-year cycle into four seasons: spring, summer, fall, and winter. And each season has a different characteristic about which parts of the market work, which don't work, what things look like. We are in the fall season right now. And that tends to last about a year. We wrote a note last year on this. Fall is the time for harvest. So, it's the time you want to take your gains.But the debate is, you know, how long will this fall last? When will the next winter start? Or maybe this pattern won't even hold in the future. And so, this is the big debate in the crypto circles these days.And Mike, given the volatility, given the great depressions we talked about in Bitcoin with these, you know, 70-80 percent drawdowns, how do you see it fitting into institutional portfolios compared to other cryptocurrencies?Michael Cyprys: Compared to other cryptocurrencies, Bitcoin is still viewed as the flagship asset within the crypto space – just given higher adoption, greater liquidity, the sheer market value. It has longer history and better regulatory clarity as compared to other tokens. But given the volatility as you mentioned, and the early days nature of cryptocurrencies, adoption is still quite nascent amongst institutional investors.Some institutional investors view Bitcoin as digital gold or macro hedge against inflation and monetary debasement. It's also sometimes viewed as a low correlation diversifier within multi-asset portfolios. But even that's also been a debate in the marketplace too.As we look forward from here, crypto adoption within institutional portfolios could potentially expand as regulatory clarity establishes a clear framework for digital assets, right? We had the Genius Act recently that focused on stablecoins. Next up is market structure. There's a bill working its way through Congress.We've also had developments on the ETF side that lower[s] barriers for institutions to gain exposure there. Not only is it more accessible within traditional portfolios, but the ETF fits nicely into day-to-day workflow.So, bottom line is institutional views on Bitcoin and crypto are evolving, and how firms view Bitcoin – we think will depend upon the institution's objectives, their risk tolerance and portfolio context. And keep in mind that institutional allocations don't turn on a dime. They tend to be slower moving.Denny, do retail clients take a similar approach or are they more likely to take bigger bets?Denny Galindo: Our clients struggle with this question. And so, we get a lot of questions like, ‘Okay, I don't want to miss this. I'm a little nervous about it. What allocation should I use here?' And so, we go back to our three, kind of, typical investors when we try to answer this question. We really try and help people figure out where is equal weight.So, we wrote a note in February called “Are you Underweight Bitcoin?” And we have three different answers depending on how you're thinking of it. And, you know, there's a big debate. There's no clear answer. And that's not really where we want our clients. We want them to be smaller where they can have some exposure if they want it. Not everyone wants it, but if you do want it, you can have it. And it won't really dominate the volatility of the portfolio.Now, on another note, Mike, are you seeing legacy platforms start to offer crypto as well?Michael Cyprys: So crypto ETFs are generally available in self-directed brokerage accounts across the industry today. Schwab, for example, commented that their customers hold $25 billion in crypto ETFs, which is about, call it 20 percent share of the ETF space. But access to these crypto ETFs is a bit more restricted within the Advisor-led channel. But we're starting to see that broaden out for ETFs and eventually might see model portfolios with allocations toward crypto ETFs.But when you look at spot crypto trading, though, that generally remains out of reach of most legacy platforms. The key hurdle for that has been regulatory clarity and with a more crypto friendly administration that is changing here.So, Schwab, for example, acknowledged that they have the regulatory clarity needed and they're working towards launching their spot crypto trading platform in the first half of next year.On that topic, Denny, how do you view the merits of holding crypto directly versus through an exchange-traded product like ETFs?Denny Galindo: Yeah, I mean, our clients are mostly not day trading this product and kind of moving it back and forth.So, the ETPs have been a pretty good answer for them. The one issue is liquidity. And so, we're not used to thinking of this in; the U.S. equity markets are the most liquid markets. But in crypto, the crypto markets, the spot markets are actually more liquid than the equity markets.So, you get a lot of liquidity even after hours, even 24x7. And as other markets around the world kind of take the lead. But most of our investors aren't treating it that way. They're not day trading it, and they're really keeping it more like that digital gold allocation. And so, they just need to adjust the position size, you know, once a month, once a year maybe; just kind of buy and hold.But I wonder, you know, as more people get more comfortable, it could become more important in the future. So, it's an open question, but for now, the ETPs have been a pretty good answer here.Michael Cyprys: Fascinating space. Denny, thanks so much for taking the time to talk.Denny Galindo: It was great speaking with you, Mike.Michael Cyprys: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.

AI isn't here to replace entrepreneurs—it's here to amplify how we think. In this episode, Erik Van Horn breaks down exactly how he uses AI as a "thinking partner" to analyze FDDs, research industries, and uncover opportunities that 99% of franchise buyers overlook. Learn how to build your own custom GPTs for research, due diligence, and marketing—and why the right inputs always lead to the right output.   Timestamps:   00:00 – The GPT Should Know Everything About You 02:33 – Using AI as a Thinking Partner 04:04 – Treat AI Like a $10,000/hour Advisor 06:21 – How I Built a Website in a Day With AI 07:40 – Building Custom GPTs for Your Brand 10:11 – How I Use AI to Analyze FDDs 12:24 – Spotting Private Equity Opportunities With AI 17:00 – Create Better Prompts, Get Better Results 20:20 – AI as Your Copywriter, Not Your Voice 26:37 – Analyzing Item 7 and Item 19 With AI   Connect with Erik Van Horn:

Topping interviews Jeebs Bhattacharjee who is a Digital Executive Protection Advisor at Blackcloak. Tune in to hear Jeebs unique journey from being a police officer in Texas, joining the SWAT team, becoming a professional bodyguard. Also learn about Jeebs hobbies such as shooting and traveling all over the world. The Topping Show is sponsored by Topping Technologies & ExpressVPN. Protect your online privacy https://www.xvuslink.com/?a_fid=toppi... also if your business needs IT assistance you can reach Topping Technologies at sales@toppingtechnologies.comFor all your business IT needs www.toppingtechnologies.comFree Flamethrower with every IT purchase https://toppingtechnologies.com/flamethrower

In this episode, John and Tom are joined by Jared Trexler, Senior Vice President and Chief Marketing & Strategy Officer at The American College of Financial Services, to discuss why education and specialization matter more than ever in the financial world. They explore how a well-educated advisor can deliver deeper, more personalized planning- especially in areas like tax, estate, and retirement income strategy- and why consumers should understand the difference between generalists and true specialists. Jared also shares insights into The American College's mission to elevate the profession through lifelong learning, new certifications such as the Tax Planning Certified Professional program, and a growing public campaign to help consumers identify qualified advisors.   Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 758-9889 Call Thomas: (973) 394-0623

Guest Ilya Zlotnik, Partner, Wealth Adviser, Vivaldi Capital ManagementWebsite www.vivaldicap.comAUM ~$6bn BioIlya is a Wealth Advisor and Partner at Vivaldi Capital Management in Chicago. For over a decade, he has guided high-net-worth individuals and families through every aspect of their financial life—from strategic asset allocation and portfolio management to complex tax and generational planning. His client-centric approach and deep expertise have earned him recognition as a Forbes Best-In-State Wealth Advisor for two consecutive years. Prior to joining Vivaldi, Ilya served as an Investment Consultant at TD Ameritrade and was a member of the Private Wealth Group at RMB Capital Management. He holds a BS in Finance from the Kelley School of Business at Indiana University and an MBA with concentrations in Finance and Entrepreneurship from the Booth School of Business at the University of Chicago.Disclaimer: This is one Advisor's perspective and not reflective of VCM.Read the full disclaimer and learn more here: https://www.vivaldicap.com/

In this episode we answer emails from Dave, Isaiah, and Ian.  We discuss back-testing tools, revisit UPRO and leverage from the last episode, the inherent biases and incentives for retail financial advisors to recommend underspending and using underspending plans larded with window dressings, and revisit a limited 401k and a retirement scenario from Episodes 420 and 444.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterPortfolio Visualizer Backtester:  Backtest Portfolio Asset AllocationTestfolio Backtester:  testfol.ioBreathless Unedited AI-Bot Summary:Think your withdrawal rate is just a number? We dig into why the path matters more than the headline, showing how 0%, 3%, and 6% withdrawals change resilience without altering which portfolios dominate across different eras. Then we pull apart the leverage mirage: why 3x S&P funds can look unbeatable in calm runs yet suffer brutal volatility drag and catastrophic left tails when the decade turns against you. The goal isn't fear—it's sizing risk so you don't bet your future on luck.We also wade into the psychology of advice. Even fee-only planners face incentives to keep clients underspending, leaning on cash-heavy buckets, retirement “paychecks,” and tidy jargon that soothes but often costs performance. If you're wired for DIY, you'll appreciate a finance-first approach: let evidence drive the allocation, not marketing hooks. We contrast retail comfort with institutional discipline and offer a practical way to align your plan with the results you actually want.For listeners wrestling with constrained 401k menus, we map out how to approximate risk parity using the levers that matter most: low-cost stock and core bond indexes, selective value tilts, and tax-aware placement. We touch Roth versus traditional choices when you're in a low bracket, how to secure your FI core, and why continuing to work a decade after reaching FI might mean it's time to spend more on life, not just accumulate more line items.We close with a sharp market rundown and performance across sample portfolios, from classic diversifiers to levered blends. If you want a clear-eyed, practical framework for withdrawals, leverage, advisor incentives, and building robust portfolios with imperfect tools, this conversation will sharpen your plan. If it resonates, follow the show, leave a review, and share it with a friend who needs a finance-first reset.Support the show

What's next for Market Structure with Executive Director of the President's Council of Advisors for Digital Assets at the White House, Patrick Witt. White House Executive Director of the President's Council of Advisors for Digital Assets, Patrick Witt shares his confidence with CoinDesk's Jennifer Sanasie and Andy Baehr at Ripple Swell, that the market structure bill will be finalized by 2026. He emphasizes that President Trump wants the legislation "on his desk as soon as possible" and explains why Congress is working to pass the bill now—not in a crisis—to ensure clear, rational regulation that brings innovation back to the U.S. - This episode was hosted by Jennifer Sanasie and Andy Baehr.

Join Amadon DellErba in a raw, powerful, and deeply transformative conversation with Sam Gibbs Morris — a leadership consultant, speaker, author, and men's retreat facilitator whose life story is a testament to healing, purpose, and conscious masculinity.Together, they explore authentic leadership, emotional mastery, addiction recovery, and the evolution of modern manhood. Sam opens up about his journey from deep personal crisis and addiction to living in truth, service, and self-mastery. Through vulnerability and wisdom, he shares lessons on embracing pain as a teacher, building resilience, and leading with heart-centered integrity.

In this episode of Friday Fiduciary Five, Eric Dyson discusses why advisors and plan sponsors should consider including recordkeeper searches in advisor base pricing. This in consideration of an RFP interval every three to five years as assumed by the Department of Labor. He explains that this approach would simplify the process for plan sponsors, who often lack the expertise to perform these searches themselves.Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation of any type of product or service discussed in this presentation or to provide any warranties, financial advice, or legal advice.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan specific circumstances.

Why do so many Christians want to give more—but feel like they can't?Most of us want to be generous, but there are often barriers—spiritual, financial, or even emotional—that hold us back. Today, Ron Blue joins us to unpack five key reasons why Christians don't give more, and how we can begin climbing toward greater generosity.Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment.Five Barriers to Generosity—and How to Overcome ThemGenerosity is one of the greatest marks of spiritual maturity, yet many Christians find themselves wanting to give more but feeling unable to do so. Over the years, most believers face five primary barriers to generosity. These form a kind of “pyramid,” with each level building on the one below it. The journey toward greater giving begins with the heart and ends with intentional planning.1. Spiritual Condition: The Foundation of GenerosityBefore generosity ever shows up in our bank accounts, it begins in our hearts. When we grasp who God is, who we are, and the grace that has been extended to us, generosity naturally flows from that understanding.The more we understand God's ownership and our role as stewards, the more we want to give. Spiritual maturity is the foundation—without it, our giving will always feel like an obligation instead of an act of worship.2. Financial Health: Creating Margin to GiveEven when our hearts are in the right place, poor financial habits can make generosity difficult. Many believers simply can't give more because they're weighed down by debt, overspending, or disorganization.It often takes time—sometimes even years—to align our finances with our convictions. That might mean getting out of credit card debt, restructuring a business, or learning to live within our means. When we get our financial house in order, we create margin for generosity to flourish.3. Vision: Seeing Where God Is WorkingPeople don't give to spreadsheets or buildings—they give to vision. When we can picture the impact of our giving, we're motivated to invest more deeply.A clear vision fuels generosity. Ask yourself: Where has God stirred my heart? What Kingdom work do I feel most passionate about? When we see how our resources can change lives—whether feeding children, funding missions, or supporting local ministries—we begin to give with joy and purpose.4. Community: Encouragement from OthersGenerosity rarely happens in isolation. We need relationships that encourage us to live open-handedly. When we surround ourselves with generous people—friends who talk about giving, pray about giving, and celebrate giving—we're inspired to do the same.Scripture reminds us that we are to “spur one another on toward love and good deeds” (Hebrews 10:24). Community reminds us that generosity isn't just an individual act—it's part of how the body of Christ functions together.5. Planning: Giving with IntentionFinally, generosity grows through intentional planning. I've seen it over and over in my work as a financial planner: when people create a plan for their giving, their generosity increases dramatically—sometimes fivefold.A plan brings clarity and purpose. It helps you set a “finish line” for lifestyle and accumulation so you can redirect more toward eternal purposes. Without a plan, even well-intentioned believers often give sporadically or reactively. With one, generosity becomes a consistent and joyful part of life.Moving Toward Greater GenerosityThese five layers—spiritual condition, financial health, vision, community, and planning—build upon each other. Each represents a step toward living and giving as God intended.So, which one are you ready to work on today?The journey toward generosity isn't about guilt—it's about grace. As we align our hearts, habits, and plans with God's purposes, we discover the joy of giving that truly reflects His character.On Today's Program, Rob Answers Listener Questions:I'm considering a reverse mortgage and wondering—if I were to get one—whether my creditors could come after the proceeds.How can younger people today start building wealth? What are some practical strategies to grow financially—and how can we stay positive and motivated when so many in our generation don't seem to think that way?I run a small architecture business, but my income has been inconsistent over the past few years. My financial advisor suggested I take a salaried job to help pay down debt and stabilize our family's finances. If I do that, how should I communicate with a potential employer that I'd like to keep my business on the side—and is that even wise to do?I've been researching digital currencies and the broader move toward electronic money. With more people, including political figures, showing support for it—and with lower fees and more direct transactions—what's your take on where this is heading?My husband is 65 and retired, and I'm 56 and still working. I've heard that a spouse can collect half of the other's Social Security benefit once they reach a certain age. Is that true, and how does it work?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

November 4, 2025 WILLIAM SHISHKO,Founding Pastor of The Haven, anOrthodox Presbyterian congregationin Commack, Long Island, NY &Advisor to the Bahnsen Institute, AND CHRISTIAN McSHAFFREYPastor of Five Solas Church, anOrrhodox Presbyterian congregationin Reedsburg, WI & Vice Chairmanof the Bahnsen Institute, who willboth address: “UTILIZING the BRILLIANCE of theLATE Dr. GREG L. BAHNSEN: ONE ofthe GREATEST CHRISTIAN […]

What can financial advisors learn from those guiding the world's wealthiest and most complex families? And how can you position yourself as the advisor your A+ clients call first? In this episode of the Top Advisor Podcast, Bill Cates interviews Rich Wolkowitz – attorney, advisor, and founder of Xylogenesis. From White House counsel to family … Continue reading #101 – Becoming the First-Call Advisor: Insights from Family Office Expert Rich Wolkowitz →

Is Your Portfolio Too AI-Heavy? and Does Social Security COLA Keep Up With Inflation? In this episode, Wes Moss shares startling JP Morgan research: just 41 AI-related stocks now account for nearly 50% of the S&P 500's weight, making the market severely overweight in a single theme. Wes offers actionable advice on how to rebalance your portfolio. Also, with the new COLA increase, Wes sets the record straight on Social Security, demonstrating that it has quietly been one of America's best inflation fighters since 1975. He examines the history of COLA adjustments and provides an honest assessment of the fear surrounding the Social Security trust fund running out, clarifying what that worst-case scenario truly means for current and future retirees. Mentioned on the show: Rule 72(t): Secret Rule To Access Your IRA Early Rule of 72 Calculator - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 4, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

 Dawn Lepore is the former CEO and Board Chair of drugstore.com—a leading online retailer of health, beauty, and wellness products—which she led from 2004 until the successful sale to Walgreens in 2011. Prior to joining drugstore.com, Dawn held leadership positions at the Charles Schwab Company, where she played a key role launching and then building Schwab's highly successful e-commerce business. Currently, Dawn serves on the boards of LoanDepot.com, Servco Pacific, and SecureSave, and she's Board Chair at Amperity. Dawn also serves as Co-Chair of the Washington Teach for America Board. Dawn has been honored by Fortune Magazine four times as one of the 50 most powerful women in American business, and by the National Organization for Women at their Aiming High Conference.See omnystudio.com/listener for privacy information.

Join host Phillip Ramsey on the Uncommon Wealth Podcast as he explores the journey of finding the right financial advisor. Phillip dissects the DNA of advisors, distinguishing between those trained in insurance and investment and advocating for a planning-focused approach. He shares insights into selecting an advisor who aligns with your financial goals, whether it's insurance, investments, or a comprehensive plan. Discover how these elements impact your financial strategy and why having a clear plan is crucial for a rewarding financial future.

Losing a spouse can shake every part of life—but God promises to walk with you through each next step.When loss turns life upside down, even simple financial decisions can feel overwhelming. But with God's help—and a few practical steps forward—there is hope and healing ahead. Today, Valerie Hogan joins us to share guidance for navigating the financial journey after losing a spouse.Valerie Hogan is an attorney, a Certified Financial Planner (CFP®), a member of Kingdom Advisors, and the co-author of Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More with Miriam Neff. Grief and Finances Are Deeply ConnectedWhen grief hits, clarity often disappears. You may feel pressure to “get everything settled” or, on the other hand, find it impossible to make even small decisions. Both reactions are normal.Grief colors everything. It's difficult to separate financial choices from emotional pain. And that's okay. The key is to give yourself permission not to have all the answers right away.Statistics show that about 80% of women will outlive their husbands. That means most of us will one day find ourselves managing finances alone. And many women, especially from earlier generations, weren't as involved in financial decisions during marriage.After loss, that reality can be intimidating. Suddenly, you're faced with choices about investments, taxes, home maintenance, and budgets—often with less income and more years of life ahead. Those early months matter, but they shouldn't be rushed.Start with This Truth: God Owns It AllBefore any practical steps, I want to anchor you in a truth that has carried me and countless others through difficult seasons: God owns it all.Everything we have belongs to Him, and He is with us as we steward it. Remembering that doesn't erase the pain, but it reminds us we're not alone. It shifts the weight of control off our shoulders and invites God's wisdom into our decisions.That truth gives us permission to move slowly and prayerfully. Stewardship is not about perfection—it's about trust.Steps for Navigating the Early DaysHere are some guiding steps I often share with widows who ask, “Where do I even begin?”1. Take One Step at a TimeYou don't need to fix everything today. Unless a change is absolutely urgent, give yourself space to rest and recover. Grief has a way of making even simple tasks feel monumental. Be patient with yourself.2. Avoid Major Financial Moves Too SoonTry not to make significant financial decisions while emotions are raw. Some women have sold homes, moved away, or invested large sums during intense grief—only to regret it later. Wait until your heart is steadier before making big changes.3. Get Organized, Little by LittleLoss often leaves behind a mountain of paperwork. Start small—maybe one pile, one folder, one hour. Ask a trusted friend or advisor to help if it feels overwhelming. Progress comes one decision at a time.4. Track What's Coming In and Going OutAwareness brings peace. You don't have to overhaul your budget immediately—just begin noticing where money is going. Clarity grows with consistency.5. Lean on Trusted AdvisorsChoose people who will look out for your best interest—those with integrity and experience, not pressure or sales motives. A trusted financial planner, attorney, or advisor can help you think clearly when emotions run high.6. Anchor Everything in PrayerThis is the most important step. God cares deeply when His people are hurting. Invite Him into every conversation, every decision, every bill you open. He is your provider and your comforter.Build a “Personal Board of Directors”Form a personal board of directors—a small circle of wise people you can lean on for different kinds of counsel.You might include:A spiritually mature friend who prays with youA financial professional with integrityAn encourager who helps you stay hopefulA practical helper who can sit with you through paperworkEach one brings something valuable. Just remember: not every encourager is a financial guide, and not every advisor is a prayer partner. Surround yourself with a balanced mix of wisdom and compassion.Know It. Own It. Like It. Change It.In their book Wise Women Managing Money, Miriam Neff and Valerie Neff Hogan use a simple four-part framework that applies beautifully here:Know it—Gather the facts. What do you own? What do you owe?Own it—Accept responsibility for your new role as steward.Like it—Evaluate your current situation honestly.Change it—Begin making small, steady adjustments that align with your goals and faith.You don't need to have it all figured out. Start by knowing where you are—and trust that God will guide each next step.If you've recently lost your spouse, please hear this: there are brighter days ahead. It may not feel that way now, but God will give you strength and wisdom in time. I've seen hundreds of widows rebuild, heal, and even thrive again.Take one step at a time. Pray often. Surround yourself with wise, loving people. And remember—you're not alone.On Today's Program, Rob Answers Listener Questions:A friend once told me they only tip 10% at restaurants, so they don't end up giving a server more than they give to God. Now that's stuck with me—every time I eat out, I think about it. Am I looking at this the wrong way? What's the right, biblical way to think about tipping and giving?I recently set up a trust, and I own two homes—one's paid off and the other still has a mortgage. Both properties are titled in my name. Do I need to transfer or re-deed those homes into the trust, or can I leave them as they are since they're already in my name?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D. Widow ConnectionWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Clark Howard and Wes Moss: Is the Market Overvalued? and 401(k) Private Equity Debate Is today's stock market dangerously overvalued — or still worth riding? In this special Ask an Advisor episode, Clark Howard and Wes Moss break down what's driving record-high valuations, and how to stay invested without taking on too much risk. Then, the pair debate a big change coming to retirement plans: private equity in 401(k)s. Clark warns this could open the door to hidden fees and confusion for everyday workers, while Wes sees potential benefits if costs come down and transparency improves. Together, they offer a candid look at how investors can protect their savings — and their peace of mind — in an evolving market. All this and more on the October 28, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices