Podcasts about advisor

On this episode of Simply Money presented by Allworth Financial, Bob and Brian explain why it now appears absolutely certain that lower interest rates are on the horizon. Plus, they share the smart way to avoid a tax bomb and bring you their Ask the Advisor segment.

Andy and Justin Pritchard from Approach Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: The pros and cons of target date funds ( 11:05 )Their thoughts on the recent presidential executive order allowing private and illiquid investments to be offered inside 401(k) plans ( 23:26 )Can you make up for insufficient retirement savings by investing more aggressively ( 31:51 )Understanding your advisor's succession plan and how to try to make the succession transition successful for you ( 39:35 )Things to consider when firing an advisor or changing advisors ( 46:39 )Whether people should consider getting a living/revocable trust ( 56:22 )Things to consider if you're looking to hold cash in banks in currencies other than US Dollars ( 59:53 )Links in this episode:Justin's firm - Approach FinancialJustin's YouTube channel - Justin Pritchard, CFP® on RetirementTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

In this episode we answer emails from Adam, Private Cowboy, and Jose.  We discuss managed futures (again with references!), Bill Bengen's latest book and how it integrates into our approach, and the pros and cons of a Vanguard Personal Advisor-created portfolio and the hypocritical quandaries it creates with the gods of Simplicity.Links:Demystifying Managed Futures:  Demystifying Managed FuturesBloomberg Presentation On Investments In Inflationary Environments:  MH201-SteveHou-Bloomberg.pdfDunn Capital Analysis:  High-Vol-Trend-Following-Trend-Index-Edition-0825-DIGITAL.pdfKardinal Financial Video:  What is Alternative Investing?Interview of Bill Bengen:  Episode 195: The 4% Rule and Beyond: Retirement Strategies with Bill BengenWeird Portfolio:  Weird Portfolio – Portfolio ChartsAfford Anything Episode:  #618: How to Retire at 50 While Supporting Aging Parents, with Frank Vasquez - Afford AnythingCorey Hoffstein Interview:  Show Us Your Portfolio: Corey HoffsteinBreathless AI-Bot Summary:The perfect asset allocation isn't a formula—it's a framework built on uncorrelated assets that dance to different drummers during market storms. This episode dives deep into managed futures, one of the most powerful yet misunderstood portfolio diversifiers available to individual investors.Three listener questions explore how managed futures fit within retirement portfolios, particularly for those approaching their post-career years. Frank breaks down why managed futures have essentially zero correlation to stocks, bonds, and even gold, making them uniquely valuable during both inflationary crises (like 2022) and deflationary periods (like 2008). He references new research from Dunn Capital comparing various alternative strategies and explains how ETFs like DBMF have democratized access to institutional-quality diversification.Beyond managed futures, the episode synthesizes Bill Bengen's latest safe withdrawal rate research with Ray Dalio's "Holy Grail" principle of uncorrelated assets. While Bengen's new book doesn't explicitly analyze alternatives, Frank connects these complementary approaches to formulate practical guidelines: maintain 40-70% equity exposure divided between growth and value, use 15-30% treasury bonds for recession protection, allocate 10-25% to alternatives, and limit cash to under 10%.The discussion takes a critical look at cookie-cutter financial advice, particularly questioning whether paying 0.3% annually to a Vanguard advisor provides value when their recommendations often involve overlapping funds and questionable international bond allocations. Frank challenges the "worship of simplicity" that permeates financial discussions while exposing the irony that these same advisors often recommend complex multi-fund portfolios.What emerges is a call for "system two" thinking—the willingness to incorporate new information rather than clinging to outdated formulas out of consistency.Support the show

Some people think being rich means owning a lot of things—when in reality, being “rich” often means a lot of things owning you. The signs of wealth are all around us: luxury cars, upscale neighborhoods, designer clothes, vacation homes. But do possessions really make people rich in a way that matters?It's hard to keep a Christ-centered perspective on wealth when our culture constantly pressures us to want more, buy more, and accumulate more. But this isn't a new problem. Jesus warned in Luke 12:15:“Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.”Money and possessions aren't inherently bad, but they often tempt us toward greed, selfishness, and discontent. We need money to live, but when money becomes the main thing, it becomes a dangerous master.When Possessions Begin to Possess YouJesus doesn't just warn against greed—He offers us the key to true life: don't make your existence all about “the abundance of possessions,” or your possessions will start to possess you. Proverbs 23:4–5 echoes this wisdom:“Do not wear yourself out to get rich; do not trust your own cleverness. Cast but a glance at riches, and they are gone…”Material things can never give your heart what it truly craves.In Luke 12, Jesus tells the story of a wealthy man who tears down his barns to build bigger ones, dreaming of a long, comfortable retirement. But before he can enjoy it, God says:“You fool! This very night your life will be demanded from you. Then who will get what you have prepared for yourself?”Jesus concludes, “This is how it will be with whoever stores up things for themselves but is not rich toward God.”The man's tragedy wasn't just that his life ended suddenly—it was that he invested his soul in temporary abundance instead of eternal riches.Eternity Written on Our HeartsEcclesiastes 3:11 reminds us that God has “set eternity in the human heart.” Deep down, we long for meaning, purpose, and eternal life—not just more stuff. C. S. Lewis put it well:“Aim at Heaven and you will get Earth ‘thrown in': aim at Earth and you get neither.”True abundance is found in knowing God, walking with Him, and letting His love overflow into the way we love others.Jesus said in John 10:10, “I came that they may have life and have it abundantly.” And in John 15:5, He promised, “Whoever abides in me and I in him, he it is that bears much fruit.”The abundant life isn't about bigger barns or fuller closets—it's about abiding in Christ. When we do, our lives bear fruit that blesses others and glorifies God.Where Is Your Treasure?So ask yourself: What are you depending on to give your life meaning? Could some of those things be quietly taking God's place in your heart?Pray for the Lord to uproot those desires and refocus your attention on Him. Because true wealth isn't found in what you own—it's found in who owns you.That's why we created Rich Toward God—a 4-week study on the Parable of the Rich Fool. It unpacks what it means to live open-handed with your finances, showing how biblical wisdom doesn't just transform your bank account—it transforms your heart.You can order your copy—or place a bulk order for your group—by visiting FaithFi.com and clicking “Shop.”On Today's Program, Rob Answers Listener Questions:I'm unsure how to handle requests for financial help from my husband's son and his family. They face ongoing money struggles and sometimes ask us for assistance, but I'm concerned that giving could be enabling poor decisions, like spending on things that don't reflect our values. How can we approach this situation with wisdom and biblical discernment?I already have a financial advisor and some investments in place, but I want to make sure my money is supporting companies that align with my faith. Is there a tool or resource that can help me evaluate whether my investments are consistent with biblical values?I have a will, and all my investments already list beneficiaries. My advisor says a trust isn't necessary, but my children believe it's the best way to avoid probate. Do I really need a trust? Also, since my husband passed away, should I update my will and the deed to my home?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)List of Faith-Based Investment FundsWise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D.Wisdom 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

UPDATE: I am running for vice president, instead of secretary. Ballots for the election in Branch 2502 are out NOW!It's been about a year since my lifelong friend Rich Vala has joined me on the podcast. It's also been about a year since my branch had its tainted election. On September 3, 2025, I accepted the nomination for Vice President for Branch 2502. Now, we need you to vote.

"My super power is that I love people more than I care about looking stupid."Advisor, executive coach, former pastor, and author of a series of books under the Rethink Everything title Kyle Draper is our guest on the show today and we are making the most of this one.  During today's discussion, Kyle and Jay are getting into Kyle's experiences with leaders both good and bad inside and outside of the church world, why it is a mistake to think that good leadership is building a team of people to work FOR you instead of WITH you, the importance of face time with the people working under you as a leader, and some of their thoughts on content creation and the reach that it has.  We've got the energy up from the jump today, so please enjoy this episode of The Culture Matters Podcast.

In this episode of Simple But Not Easy, we're joined by Ryan Murphy, Morningstar's Global Head of Behavioral Insights, to explore how financial advisors can help clients set better goals, avoid costly mistakes, and build lasting trust. We discuss why goals—not asset allocation or stock selection—should be the true starting point of an investment journey, and how a simple multi-step framework can uncover what really motivates clients. Ryan also shares insights from Morningstar's Mind the Gap study, which shows how investor behavior often drags down returns, and explains how advisors can reframe conversations from performance to progress. If you want to better understand what drives investor decisions and how advisors can make the biggest difference, this episode is for you.

In this episode of Behind the Advisor, David Flores Wilson shares how his firm grew 5X in five years—by focusing on entrepreneurs, building community, and keeping the human side of planning front and center. From creating simple systems to boosting visibility with media, David's story is full of practical takeaways you can apply in your own practice.

In this episode of The Product Experience, Lily Smith speaks with Sally Foote, a seasoned product leader whose journey from product roles to C-suite commercial leadership spans Carwow, Go Compare, and The Guardian. They unpack the increasingly vital intersection between product, marketing, and sales.Sally explains why growth is a shared responsibility, how product managers can become commercially fluent, and why understanding marketing economics is now critical. Expect actionable advice on working across functions, owning growth levers, and designing products that fuel acquisition and retention. Whether you're in B2B or B2C, there's something in here for every product leader looking to elevate their commercial impact.Key Takeaways:— Modern product managers must understand marketing funnels, ROI, and acquisition costs to create scalable impact.— Propositions beat PPC: In saturated digital channels, differentiation must come from product innovation.— Stop the handoffs: A strict separation between product, marketing, and sales creates missed opportunities and inefficiencies.— Product roadmaps matter to the business: While sometimes shunned by PMs, roadmaps help align and activate sales and marketing functions.— Product marketing isn't enough: What's needed is cross-functional growth thinking—not just better product copy.— B2B is a rich source of insights: Embedding PMs in sales cycles and advisory panels unlocks product innovation directly from the source.— AI is reshaping go-to-market: From focus groups to pricing strategies, machine learning is changing how teams make commercial decisions.— Your funnel is only as good as your data: PMs should design products with marketing data needs in mind to drive better acquisition performance.Featured Links: Follow Sally on LinkedIn | YourRoom AI focus group | Carwow | Watch Sally's 'Maximum Possible Products' talk at #mtpcon London 2019 | Sustainable living made easy with Bower Collective Our HostsLily Smith enjoys working as a consultant product manager with early-stage and growing startups and as a mentor to other product managers. She's currently Chief Product Officer at BBC Maestro, and has spent 13 years in the tech industry working with startups in the SaaS and mobile space. She's worked on a diverse range of products – leading the product teams through discovery, prototyping, testing and delivery. Lily also founded ProductTank Bristol and runs ProductCamp in Bristol and Bath. Randy Silver is a Leadership & Product Coach and Consultant. He gets teams unstuck, helping you to supercharge your results. Randy's held interim CPO and Leadership roles at scale-ups and SMEs, advised start-ups, and been Head of Product at HSBC and Sainsbury's. He participated in Silicon Valley Product Group's Coaching the Coaches forum, and speaks frequently at conferences and events. You can join one of communities he runs for CPOs (CPO Circles), Product Managers (Product In the {A}ether) and Product Coaches. He's the author of What Do We Do Now? A Product Manager's Guide to Strategy in the Time of COVID-19. A recovering music journalist and editor, Randy also launched Amazon's music stores in the US & UK.

Psychic Debbie will be telling you what spirit says could happen this Sept. 21st, 2025 on the Partial solar eclipse of Virgo. Psychic Debbie will give her predictions for the weather, stock market, crypto, world leaders and so much more. she will also talk about the other powerful solar eclipses of the past and what they could bring to this Virgo Solar Eclipse. So be in look out of the powerful changes that could be coming your way. Psychic DEBBIE GRIGGS is NOT a financial Advisor or a DR. if you enjoyed this video and would like to make a donation, please use the following link. Thank You. https://psychicdebbie.com/donations/ ENTERTAINMENT ONLY Debbie's Links= https://linktr.ee/psychicdebbiegriggs email= photopsychicdebbie@gmail.com email= ghosthuntinggrandmas@gmail.com Debbie's P.O. Box: P.O. Box 5882, Oxnard, CA 93031, or for street addressing: 1961 N. C Street, #5882, Oxnard, CA 93031

In today's Tech3 from Moneycontrol, we decode how “platform fees” on Swiggy, Zomato, Flipkart, and Myntra are quietly adding up to billion-rupee cushions, but could also spark consumer backlash. We also break down India's pushback against China at the WTO over app bans, we dive into Aakrit Vaish's new $75 mn AI-focused fund, and track IPO action with Pine Labs' global roadshows and Urban Company's blockbuster day 1 subscription.

This week, we welcomed academic and former tech/finance exec George Robinson to the show to demystify AI. George reframes AI as a practical “capability” rather than a scary black box — less robot overlord, more super-charged advisor that can search, synthesise, and help you make smarter decisions. Facebook Instagram The Double A Chattery podcast is for general informational purposes only and does not constitute professional health care services, including the giving of medical advice. No doctor/patient relationship is formed and this podcast is no substitute for professional psychological or other medical advice, diagnosis or treatment. The use of information in this podcast is at the listener’s own risk. Listeners should seek the help of their health care professionals for any medical conditions.See omnystudio.com/listener for privacy information.

What Really Drives the Stock Market and Why Even Perfect Estate Plans Fail Have you ever wondered why the stock market seems to be doing great while the economy feels just... okay? In this episode, fiduciary financial advisor Wes Moss explains why the stock market often tunes out economic "noise" like geopolitical events and rising unemployment. He reveals the number one thing that drives stock performance -- and it's not what you think. Also, you've done all the right things: created a will, set up a trust, and made your wishes clear. So why do so many estate plans -- even those of celebrities like Jimmy Buffett -- end up in messy family feuds and court battles? Wes has the answer. Mentioned on the show: The Rule of 55: What Is It, How It Works Rule 72(t): Secret Rule To Access Your IRA Early Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 9, 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, in which Christa and Wes discuss investing and retirement savings in depth. 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

This video is NOT sponsored by Origin.Origin just launched its AI Financial Advisor, and we think it's pretty impressive. Here's what it can do:- Passed the CFP® exam with scores higher than every major AI model (and one-third of human advisors)- Connects to your real financial data for personalized, real-time advice- Delivers daily and weekly financial insights, market analysis, and investment recommendations- Helps with everything from simple budgeting questions to major life events like home buying or career changes- Replaces multiple finance apps with one powerful, AI-driven platformAnd Origin is offering it to new customers for only a $1 subscription for the first year. Their goal is to make expert financial guidance accessible to everyday Americans (something only 27% currently have due to cost barriers).Find the new AI Advisor here: https://useorigin.com/

Pavlos Panagopoulos of Cetera Advisor Networks Stock Market Report for September 9th, 2025 on News Radio KKOBSee omnystudio.com/listener for privacy information.

Hosted on Acast. See acast.com/privacy for more information.

1008: Ukraine's Digital Revolution: From Warzone to Innovation Hub In this episode of Technovation, host Peter High speaks with Valeriya Ionan, Advisor to the Deputy Prime Minister of Ukraine on Innovation, Digitalization, and Global Partnerships. Previously Deputy Minister at the Ministry of Digital Transformation, Valeriya played a pivotal role in launching Ukraine's groundbreaking Diia ecosystem and driving the nation's goal of becoming the world's most convenient digital state. She shares how digital public services, AI-driven education, and defense-tech innovation are reshaping Ukraine's future, even in the face of war. With partnerships spanning global governments and tech giants, Valeriya offers a masterclass in crisis-driven transformation, digital infrastructure, and building agile government at scale. Key insights include: The evolution of Diia: from IDPs to e-marriage to war bonds Scaling drone production from 7 to 500+ in three years Ukraine's “Win-Win” Innovation Strategy and defense tech surge The rise of the CDTO and building a digital-first public sector

In Episode 3 of this 6-part series, Rob Brown explains why the biggest shift accountants must make is in mindset. Advisory is not a service line. It is a way of thinking.Compliance asks “what happened.” Advisory asks “what's next.” And only one of those roles has a future. Rob shares the evidence, the 5 advisory skills AI cannot replace, and a practical playbook for developing the mindset that keeps you relevant.This series is not about firms. It is about you — your visibility, your relevance and your survival.Sponsored by Infinite Ties, led by Deneen Dias, empowering US firms to scale Client Advisory Services through peer-to-peer learning and training.**Key Takeaways*** Compliance is backward looking. Advisory is forward looking* AI can report but cannot advise* Middle management is shrinking; influence is growing* 5 skills AI cannot replace: curiosity, acumen, communication, entrepreneurial thinking, influence* Advisory is a mindset before it's a service line* Episode 3 of 6: The Accountant's Survival Guide**Killer Quotes*** “Compliance asks what happened. Advisory asks what's next”* “Advisory is not a service line. It is a mindset”* “Technical competence without presence is expendable”* “Middle management is shrinking. Influence is growing”* “Only one of these roles has a future”Want help becoming more visible and authoritative? Explore Rob Brown's Personal Brand Interview service.The Accounting Voices Podcast is aimed at accounting firm leaders, managers and partners looking to build their executive presence, influence and credibility both internally and externally.You can find this on youtube here: https://youtu.be/bcnY6ke9sOc◣━━━━━━━━━━━━━━━━━━━━◢The Accounting Influencers Podcast serves accounting firm leaders, managers and partners looking to build their executive presence, influence and credibility both internally and externally. The show focuses on helping professionals strengthen their personal brand, stay informed about industry changes, and navigate disruptive forces affecting accounting business models and trends. The content includes solo insights from host Rob Brown as well as interviews or panel discussions with industry leaders. Check out the show on your preferred podcast app or platform, or go to the Accounting Influencers YouTube channel for all of the episodes in video format. Rob works with consultants/experts in the accounting space via personal interviews to create video snippets and thought leadership pieces. If you have success stories, valued expertise or a brand that needs amplifying, but lack the time to create thought leadership or video content, chat with Rob on LinkedIn: https://www.linkedin.com/in/therobbrownThanks to our sponsors:ADVANCETRACK OUTSOURCING. Transform your accounting firm with AdvanceTrack. Our top-tier offshoring solutions free your team from mundane tasks, allowing you to focus on growth and client engagement. Experience seamless scalability and expert support. Visit advancetrack.com and elevate your practice today. https://www.advancetrack.comIf you'd like to sponsor the show and elevate your brand with our audience, reach out to show host Rob Brown on LinkedIn and his team will reach out to fix up a chat to explore.

Chris Markowski shares insights from his extensive career in finance, discussing the evolution of his show, the importance of ethical investing, and the challenges faced by the next generation in a rapidly changing financial landscape. He emphasizes the significance of family values in business, the necessity of finding the right financial advisor, and the impact of technology on the finance industry. Markowski also reflects on his proudest moments and offers advice for young entrepreneurs navigating their careers.

Excellent discussion with my guests: Amie Hoeber, Nuclear Energy Expert, Consultant to the Pentagon and DOD, former Undersecretary of the Army in the Reagan Administration and former congressional candidate for MD CD6. Peter Huessy, GeoStrategist and Advisor to Congress, DOD and Pentagon. Expert in middle east affairs with a deep understanding of the future expansion into space and the opportunities that nuclear energy will make available. See omnystudio.com/listener for privacy information.

Even if you're a do-it-yourself investor, there are times when getting professional financial help can be one of the best investments you'll make. Robert Brokamp talks with Bankrate's Dayana Yochim about how a financial planner can help you navigate a money-related life event, relieve financial stress, prioritize your goals, and make sure you get money stuff done. Also in this episode: -Through most of the 2000s, wage growth for job switchers was higher than for job stayers. But not now. -The number of ETFs now exceeds the number of stocks – is that good or bad news? -It's an odd time for the housing market, as evidenced by the fact that new homes cost less than existing homes. -Tips for making the most of your 401(k) Host: Robert Brokamp Guest: Dayana Yochim Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

For years, the Windfall Elimination Provision and Government Pension Offset reduced benefits for those who had rightfully earned them. Now that those policies are gone, many are left with questions. Eddie Holland joins us to help clarify what's changed and what it means for your retirement.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Quick History of WEP and GPOThe Windfall Elimination Provision (WEP), enacted over 40 years ago, reduces Social Security benefits for individuals receiving a non-covered pension—a pension from which no Social Security taxes were withheld. This often included employees in state and local government jobs, such as teachers, police officers, and firefighters.Similarly, the Government Pension Offset (GPO) reduced a spousal or survivor benefit for individuals in the same situation. These rules were designed to prevent “double-dipping,” but they often unfairly penalized modest-income workers, sometimes reducing their monthly Social Security checks by hundreds of dollars—or even eliminating their spousal or survivor benefits entirely.The Social Security Fairness Act of 2025That changed on January 5, 2025, when President Joe Biden signed the Social Security Fairness Act. This legislation repealed both WEP and GPO, effective retroactively as of January 2024. As a result:Nearly 3 million Americans became eligible for retroactive benefits.Future monthly benefits for those affected have also been adjusted upward.This marks a significant win for many retired public servants who had long felt the weight of these provisions.What to Expect if You're AffectedThere are two phases of payments:Retroactive Payments – Starting in March 2025, some individuals received large one-time deposits representing the benefits they should have received since January 2024. These payments often arrived with little to no explanation, leaving many confused. Adjusted Monthly Benefits – Beginning in April 2025, Social Security began increasing ongoing monthly benefits for those impacted.It's important to note that these changes only apply to individuals with a non-covered pension, not all civil service employees.Steps to Take if You Think You QualifyIf you believe these changes may apply to you, Eddie recommends two simple steps:Check Your Account Online. Visit SSA.gov to log in to your account (or create one if you haven't already). Contact the Social Security Administration. If your account doesn't show any updates or you have questions, call 1-800-772-1213 or schedule an appointment at your local SSA office to speak directly with an agent.If navigating these changes feels overwhelming, consider consulting a Certified Kingdom Advisor (CKA) who specializes in matters related to Social Security, who can help you make informed, faith-based financial decisions. You can find one in your area by visiting FaithFi.com and clicking “Find a Professional”. On Today's Program, Rob Answers Listener Questions:I'm 60 years old and planning to retire early at 62. I'd also like to pay off my house before I retire. Is that a smart move, and is it realistic given my current financial situation?I understand that retiring before my full retirement age will result in a reduction of approximately 8% per year in my Social Security benefit. How do Social Security cost-of-living adjustments factor into that reduction?My grandson wants to be added as an authorized user on my credit card to take advantage of my good credit score so he can get a lower interest rate on a car loan. Is that a wise decision?At what age am I required to start taking distributions from my 401(k)? Also, I have two family members—one with dementia and another recovering from a stroke. How can we protect their assets, such as their house and 401(k), if they need long-term care?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Wisdom 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 most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Too many people think financial planning is just about picking investments—but it's much more than that. A great plan is a living, breathing roadmap that evolves as your life changes. Richard Rosso & Jonathan McCarty uncover what makes the perfect financial planning experience—from getting your head straight, to gathering the right documents, to partnering with a fiduciary advisor who looks beyond just returns. You'll learn: • Why real planning goes far deeper than investments. • The documents and data you need to start your journey. • How advisors help with behavioral rebalancing—keeping emotions in check. • The difference between accumulation and distribution strategies. • Why a fiduciary, holistic advisor adds real value to your financial life. If you want your plan to stay relevant—and not just collect dust in a binder—this episode is for you. 1 - Why Financial Planning is a Loss-leader for most firms 2 - Focus on What You're Doing Right 3 - Coaching the Young 4 - Your Financial Documentary 5 - Trust Fund Baby's & Nepo's 6 - Taking off the Pressure for Your Family 7 - Smaller Estate Tax Exemptions are One President Away 8 - Financial Planning is a Partnership 9 - How AI is Changing FP 10 - When All Financial Plans Lead to Annuities 11 - The Health Metric in Financial Planning 12 - Aging in Place with Rosie the Robot 13 - Financial Plans Must Change with Your Environment 14 - hat is the Most Importance Part of a Financial Plan for You? (Poll) 15 - Financial Planning w Children & Dearth of Financial Literacy 16 - Financial Planning & Investment Management 17 - Stress-testing Your Financial Plan Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=6QSPJnekS6U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s -------- The latest installment of our new feature, Before the Bell, "Markets' Bullish Trend Remains Intact" is here: https://www.youtube.com/watch?v=OPN3UX4VjI8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Stock Market Bubble? Extreme Valuations & What Investors Should Know," is here: https://www.youtube.com/watch?v=QXgmAXNATeU&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2 ------- Register for our next RIA Dynamic Learning Series event, "Savvy Medicare Planning," September 18, 2025: https://realinvestmentadvice.com/resources/events/savvy-medicare-planning-what-baby-boomers-need-to-know-about-medicare/ ------- Articles mentioned in this report: "Valuations Are Extreme: Navigating A Bubble" https://realinvestmentadvice.com/resources/blog/valuations-are-extreme-navigating-a-bubble/ "Portfolio Risk Management: Accepting The Hard Truth" https://realinvestmentadvice.com/resources/blog/portfolio-risk-management-accepting-the-hard-truth/ "Meme Markets: Investing vs. Entertainment" https://realinvestmentadvice.com/resources/blog/meme-markets-investing-vs-entertainment/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #WealthManagement #RetirementPlanning #BehavioralFinance #MoneyMatters#InvestingAdvice #Money #Investing

A round-up of the main headlines in Sweden on September 5th, 2025. You can hear more reports on our homepage www.radiosweden.se, or in the app Sveriges Radio. Presenter/Producer: Kris Boswell.

Too many people think financial planning is just about picking investments—but it's much more than that. A great plan is a living, breathing roadmap that evolves as your life changes.  Richard Rosso & Jonathan McCarty uncover what makes the perfect financial planning experience—from getting your head straight, to gathering the right documents, to partnering with a fiduciary advisor who looks beyond just returns. You'll learn:  • Why real planning goes far deeper than investments.  • The documents and data you need to start your journey.  • How advisors help with behavioral rebalancing—keeping emotions in check.  • The difference between accumulation and distribution strategies.  • Why a fiduciary, holistic advisor adds real value to your financial life. If you want your plan to stay relevant—and not just collect dust in a binder—this episode is for you. 1 - Why Financial Planning is a Loss-leader for most firms 2 - Focus on What You're Doing Right 3 - Coaching the Young 4 - Your Financial Documentary 5 - Trust Fund Baby's & Nepo's 6 - Taking off the Pressure for Your Family 7 - Smaller Estate Tax Exemptions are One President Away  8 - Financial Planning is a Partnership 9 - How AI is Changing FP 10 - When All Financial Plans Lead to Annuities 11 - The Health Metric in Financial Planning 12 - Aging in Place with Rosie the Robot 13 - Financial Plans Must Change with Your Environment 14 - hat is the Most Importance Part of a Financial Plan for You? (Poll) 15 - Financial Planning w Children & Dearth of Financial Literacy 16 - Financial Planning & Investment Management 17 - Stress-testing Your Financial Plan Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP  Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=6QSPJnekS6U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s -------- The latest installment of our new feature, Before the Bell, "Markets' Bullish Trend Remains Intact" is here:  https://www.youtube.com/watch?v=OPN3UX4VjI8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1  ------- Our Previous Show, "Stock Market Bubble? Extreme Valuations & What Investors Should Know," is here: https://www.youtube.com/watch?v=QXgmAXNATeU&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2 ------- Register for our next RIA Dynamic Learning Series event, "Savvy Medicare Planning," September 18, 2025: https://realinvestmentadvice.com/resources/events/savvy-medicare-planning-what-baby-boomers-need-to-know-about-medicare/ ------- Articles mentioned in this report: "Valuations Are Extreme: Navigating A Bubble" https://realinvestmentadvice.com/resources/blog/valuations-are-extreme-navigating-a-bubble/ "Portfolio Risk Management: Accepting The Hard Truth" https://realinvestmentadvice.com/resources/blog/portfolio-risk-management-accepting-the-hard-truth/ "Meme Markets: Investing vs. Entertainment" https://realinvestmentadvice.com/resources/blog/meme-markets-investing-vs-entertainment/ ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #WealthManagement #RetirementPlanning #BehavioralFinance #MoneyMatters#InvestingAdvice #Money #Investing

Thinking about going independent? In this episode, we share practical marketing strategies for financial advisors preparing for a breakaway launch. At Oechsli, we've helped over 150 brand new financial advisory firms launch in the past two years, and we'll show you what it takes to retain clients, establish credibility, and build a strong foundation for long-term growth.What You'll Learn in This Video:✅ Why preparation, communication, and credibility are key to client retention✅ How to set a realistic launch timeline (2–3+ months before going live)✅ Naming your firm: personal brand vs. unique identity✅ Designing a logo that builds trust and future growth potential✅ Studio video & photography: the face of your new brand✅ Website essentials that signal legitimacy and professionalism✅ Signage, stationery, and marketing collateral that excite clients✅ Social media announcement strategies + boosting tips✅ Google Business Profile, Ads, and Press Release best practices✅ Email series & ongoing marketing (social, ads, video, podcasts)Why This Matters:Launching your independent firm isn't the time to cut corners. Every detail—from your logo and website to your first social media post—shapes how clients perceive your credibility and commitment. With the right plan, you can make your breakaway a seamless, successful transition.

Welcome to "Ahead in the Count," presented by BIP Wealth. Our Baseball Division combines their collegiate and professional baseball playing experience with financial acumen to provide expertise in life on and off the field. We aim to give ballplayers and their families a better understanding about their unique lifestyle, the opportunities that come from playing this game, and insight into the complex financial world. This is "Ahead in the Count," hosted by Nolan Alexander, from BIP Wealth.   Episode Description Former MLB pros Chase Murray and Jeremy Hermida share their firsthand experiences of what it's like to navigate the final stretch of a 162-game season. Key Topics Covered: "Angry August" Phenomenon The term that perfectly captures the late-season clubhouse dynamics Strategies to maintain professionalism and team chemistry when tensions run high Three Different Season Scenarios: Teams in playoff contention and the excitement of the hunt Clubs fighting for wild card spots and monitoring scoreboard watching Organizations out of contention  Mental Approaches to Season's End: The challenge of maintaining focus when some players are "raking" and others are struggling How playoff-bound teams shift from individual stats to team-first mentality The psychological boost that comes with a "fresh start" mentality in October Off-Season Preparation: Financial planning and budgeting for the months ahead Mapping out training, living arrangements, and social commitments The importance of evaluating what worked and didn't work during the season Navigating wedding season and family time during the off-season Please like, subscribe, and rate this podcast episode of Ahead in the Count! To contact the hosts, send an email to jhester@bipwealth.com, kschmidt@bipwealth.com, cmurray@bipwealth.com, or jhermida@bipwealth.com

What if choosing your asset allocation was as personal as your life story—and as consequential as your retirement? In this episode, we are joined by PWL Capital's Louai Bibi and Ben Wilson for a deep dive into how advisors guide clients through the most important portfolio decision they'll ever make. Louai walks us through the research, psychology, and planning frameworks behind determining the right stock/bond mix, while Ben shares real-world insights from client cases where risk tolerance, pensions, and life events shifted the balance. We explore how Monte Carlo simulations stress-test financial plans, why spouses often disagree on risk, and how pensions act as “bond-like assets” in the bigger picture. Ben Wilson also takes us behind the scenes of PWL's post-OneDigital acquisition journey, revealing why advisors are drawn to join the firm, how succession planning shapes their choices, and why a unified evidence-based philosophy matters in Canada's wealth management landscape. The episode wraps with a fascinating look at surprising stock return outliers—like Build-A-Bear outperforming Nvidia—and what that teaches us about the futility of stock-picking versus the power of diversification. Key Points From This Episode:   (0:01:00) Introducing PWL's Louai Bibi and Ben Wilson—today's topics: asset allocation, advisor succession, and surprising stock return data. (0:03:35) Louai explains the asset allocation decision: balancing stocks vs. bonds and why it's the biggest choice investors make. (0:05:12) Why asset allocation matters: inflation erodes purchasing power, and stocks/bonds help investors keep up or outpace it. (0:06:50) Historical lessons: $1 invested since 1970—outcomes for bonds, balanced portfolios, and 100% equities. (0:08:35) The risks of downturns: 2008 as a case study in how stocks vs. bonds shape losses and recovery times. (0:11:39) Risk tolerance questionnaires: how PWL uses surveys to gauge willingness vs. capacity to take risk. (0:13:45) When spouses disagree on risk tolerance—balancing perspectives and sometimes splitting portfolios. (0:16:42) Risk capacity: pensions, insurance, income stability, and emergency funds all shape asset allocation. (0:20:08) Real client cases: retirees discovering they don't need as much stock exposure, or elderly clients increasing equity later in life. (0:22:47) How often do clients change asset allocations? Rarely—except for life events like retirement. (0:27:10) Why Monte Carlo simulations are essential for stress-testing financial plans beyond straight-line projections. (0:30:20) PWL's “asset allocation email”: summarizing risks, pensions, debt, emergency funds, and personalized tradeoffs. (0:34:02) Pensions as “bond-like assets”—how they increase ability but decrease need to take risk. (0:37:11) Closing thoughts from Louai: think in dollar terms, investing is a marathon, and build confidence gradually. (0:39:32) Education shifts clients' choices: some reduce risk after learning the realities of volatility, others increase equity exposure with context. (0:43:10) Advisor “fixed effects”: research shows the advisor's own perspective strongly shapes client allocations. (0:45:39) Transition to Ben Wilson: what motivates advisors to join PWL post-OneDigital acquisition. (0:47:52) Reputation and content: how Rational Reminder, YouTube, blogs, and Canadian Couch Potato attract advisors. (0:50:34) PWL's unified philosophy: evidence-based, passive investing with a planning-first approach. (0:56:30) Key motivators for advisors: reducing admin burdens, escaping “aggregator” models, and building integrated team structures. (1:00:15) Succession planning: why advisors seek peace of mind for their clients and teams by partnering with PWL. (1:03:04) Ben Felix on why these conversations are exciting and why advisors should reach out early. (1:04:54) After show: Nvidia's insane 70% annualized 5-year return—and why lesser-known names like Build-A-Bear, Celestica, and Dillard's did even better. (1:06:33) Celestica's role in DFA funds and how it helped them keep pace with Shopify-driven indexes. (1:09:25) Why broad diversification captures unexpected winners (Build-A-Bear included) without speculation. (1:10:45) Active advisors pitch “winner-picking”—but history shows how impossible that really is. (1:12:16) Reviews and wrap-up. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder Website — https://rationalreminder.ca/  Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://x.com/RationalRemindRational Reminder on TikTok — www.tiktok.com/@rationalreminder Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.caBenjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Dan Bortolotti — https://pwlcapital.com/our-team/ Dan Bortolotti on LinkedIn — https://ca.linkedin.com/in/dan-bortolotti-8a482310 Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)  

In this episode of OnBase, host Chris Moody is joined by Jonathan Moran from SAS for a deep dive into decisioning in the AI era. Jonathan explains the evolving relationship between enterprise decisioning (rule-based frameworks with governance) and AI-driven adaptive decisioning, and why businesses must strike the right balance to deliver innovation without sacrificing trust or accountability.The conversation explores how organizations can integrate AI decisioning into their customer experience strategies, overcome silos across departments, and build governance frameworks that ensure ethical, explainable, and scalable AI. Jonathan also shares practical examples of modular architectures, insights from SAS research on AI readiness, and his perspective on the future of B2B marketing.This episode is a must-listen for leaders looking to responsibly embrace AI while maintaining brand integrity, compliance, and customer trust.Key TakeawaysBalance AI with Governance: AI decisioning drives agility and adaptability, but enterprise governance ensures accountability, auditability, and risk mitigation.Customer Experience Impact: Enterprise rules provide consistency, while AI refines interactions in real-time to deliver personalized, proactive experiences.Breaking Down Silos: Leaders must align people, processes, and technology to create an enterprise-wide decisioning framework instead of fragmented departmental models.Ethics & Trust: SAS research shows that while 80% of employees use generative AI daily, fewer than 10% have governance frameworks in place, underscoring a major gap.Composable Architectures: Modular, API-first frameworks enable flexibility, scalability, and lower total costs while accelerating digital transformationQuotes“AI decisioning delivers speed, but without governance, it can lead to bias, compliance breaches, and brand damage.”Best Moments (02:50) – Jonathan defines enterprise vs. AI decisioning and why balance matters.(09:30) – How AI decisioning elevates customer experience while enterprise rules ensure consistency.(13:30) – Overcoming silos: the role of people, process, and technology.(20:30) – SAS research on governance gaps and the 10 elements of a robust AI framework.(28:00) – Use cases for composable modular architectures delivering ROI and efficiency.(35:30) – The biggest challenge in B2B marketing today: measuring ROI and attribution.Tech Recommendations:SAS Customer Intelligence 360Dynamic YieldZapierSoraResource RecommendationsPodcastsMarkigy hosted by Leanne Dow-WeimerBlog and researchChief Martech blogShout-outsBrian Vellmure, a distinguished leader and strategic innovator.Keanu Taylor, Global Head of Research, The Martech WeeklyGreg Kihlstrom, Consultant, Advisor, Speaker and Coach, The Agile BrandChristopher Penn, Co-Founder and Chief Data Scientist, TrustInsights.aiRonald van Loon, Principal Analyst, CEO, Intelligent WorldBernard Marr, Best-selling author, futurist, and strategic business and technology advisor.About the GuestJonathan Moran is responsible for global marketing activities for SAS's marketing solutions. He has over 20 years of marketing technology and customer analytics industry experience. Prior to SAS, Jonathan worked at both Earnix and the Teradata Corporation in pre-sales, consulting, and marketing roles.Over the past 25 years, Jonathan has not only architected, developed, demonstrated, and implemented analytical marketing software solutions, but he has also had the unique opportunity to work on-site with Fortune 500 customers across industries, helping them solve complex business challenges.He graduated from North Carolina State University with an undergraduate double major in Marketing and Spanish Languages and Literatures, and also holds an MBA from NC State with a concentration in Technology Commercialization.Connect with Jonathan.

Carney Brings Project 2025 to Cabinet—Liberals PANIC When Cheap Labor Comes Up!Pierre Poilievre is proposing major changes to the tfw program in Canada, impacting many. This canada news could affect the process for a canada work permit. How will the Liberal government respond to these proposed changes to immigration Canada?Send a one-time contribution to the show - https://www.paypal.com/donate/?hosted_button_id=XARF5X38AMZULListen to our Podcast on the go: https://podcasters.spotify.com/pod/show/elev8podcastTikTok: https://www.tiktok.com/@elev8podcast X: https://twitter.com/TheElev8Podcast0:00 - Intro1:35 - Michelle Rempel Garner Explains Her Perspective6:45 - Liberal Melts Down of TFW Program14:30 - Liberal Hypocrisy exposed on TFW Program16:00 - Carney Brings in President of Project 2025

Congress is back from recess, with only a few weeks to avert a government shutdown. Lawmakers are split over budget priorities, including Medicaid and military spending. Kansas Republican Senator Roger Marshall joins the Rundown to discuss the budget battle, the President's crime crackdown in Washington D.C., and the recent controversial changes at the CDC. On Friday, a federal appeals court ruled that the Trump administration acted unlawfully in imposing certain tariffs, finding that President Trump exceeded his authority under the International Emergency Economic Powers Act (IEEPA). FOX Business correspondent Lydia Hu joins the Rundown to break down the legal questions surrounding the President's tariff policies, the potential consequences if the Supreme Court upholds the decision, including possible government refunds of collected revenue, and the broader impact on existing and pending trade agreements. Plus, commentary from Yemisi Egbewole, former Chief of Staff and Advisor to the Biden White House Press Office, and the founder of Podium Strategies. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Scaling a financial advisory firm can come at a cost—endless travel, long hours, and precious time away from family. That's where Triad Member Devin Choules found himself a few years ago: 60,000 miles a year on the road, burned out, and questioning the life and business he had built.Everything shifted when Devin stopped trying to do it all himself. For years he had stayed understaffed and tried to get by keeping payroll as one of his lowest expense. But when he finally switched his mindset to "invest" in A-players, everything changed.His director of operations freed him from the grind, a second hire pushed the firm to $19M in total assets, and bringing on a seasoned lead advisor elevated the planning far beyond what Devin could have delivered alone. Each step proved the same point: hire great people, and get the hell out of their way if you want to scale!Today, Devin has rebuilt his firm around freedom—for himself, his team, and his clients. He shows how estate planning tools like the Yes Portal give families peace of mind, how asking emotional questions helps retirees spend without regret, and why true legacy isn't measured in money but in the memories we leave behind.3 of the biggest insights from Devin Choules…#1.) Growth Comes From Hiring A-PlayersDevin's firm jumped from $5M to $19M in just three years—without adding more marketing or seminars. The breakthrough came when he stopped trying to do it all himself and hired A-players. By building a team he could trust, Devin cut out 60,000 miles of travel a year, reclaimed time with his family, and gave clients a better experience. He shares why elite talent pays for itself, and why most advisors stay stuck by hiring cheap or being understaffed.#2.) Estate Planning That Actually Serves FamiliesMost clients have never seen their full net worth on one page. Devin shows how his firm's Yes Portal changes that—one login where clients (and their heirs) can see every account, every document, and every detail of their estate. By documenting everything and making it accessible in one place, advisors can give clients peace of mind now—and prevent chaos for their families later.#3.) Legacy Is About Memories, Not MoneyPeople don't just want to live longer, they want to live more. Devin shares how asking the right emotional questions helps retirees spend without regret, create meaningful experiences (like “cousin time”), and build a legacy their families will remember long after the money is gone.SHOW NOTEShttps://bradleyjohnson.com/132FREE GIFT + JOIN THE DBDL INSIDER CREWToday's Gift: 30 minute 1:1 coaching call with BradAre you a financial advisor who feels stuck, needs help, or simply wants to have a conversation with Brad? Text “Coaching” to 785-800-3235 to apply for a 30 minute Zoom coaching session and we'll send you a link to Apply. That will also make you a DBDL Insider with VIP access to future resources and exclusive content. *Message and data rates may apply. Reply STOP at any time to opt-out of receiving text messages.FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE Devin Choules is an Investment Adviser Representative of Coppell Advisory Solutions LLC, dba, Fusion Capital Management, a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations.The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for.Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies.TP08254657234See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Product decisions built on daily-active metrics fall apart when your customers show up once a year, or once a decade. In this episode, Randy Silver talks to Vivek Kumar about building and growing low-frequency products, from property and tax to jobs and dating. Chapters04:25 — What makes a product “infrequent”? Episodic use and recall decay07:05 — Rethinking PMF: penetration and market share over retention curves10:36 — When iteration is slow: prioritising problems under seasonal cycles14:28 — BELT framework: behaviours, enduring vs transient problems, lock-ins21:56 — Spotting enduring problems: “what will still matter in 10 years?”24:11 — ICE framework overview for infrequent products26:03 — Engagement: active retention, complexity, single- vs constant-touch29:55 — Predictable vs unpredictable retention; referrals as a strategy31:06 — Lifetime retention: seeding frequency hooks (e.g., estimates, salary data)33:01 — Distinctiveness and brand: why CAC collapses when you own the memory33:48 — Control over experience: monetisation through end-to-end journeys36:13 — Research that works: ethnography, diary studies, “follow-me-home”40:22 — Example: discovering the real tax filing pain (document collection)43:04 — Ethics and value: “cures vs treatments”, utility vs entertainment productsFeatured Links: Follow Vivek on LinkedIn | Atlys | The Steps 'Grow and managOur HostsLily Smith enjoys working as a consultant product manager with early-stage and growing startups and as a mentor to other product managers. She's currently Chief Product Officer at BBC Maestro, and has spent 13 years in the tech industry working with startups in the SaaS and mobile space. She's worked on a diverse range of products – leading the product teams through discovery, prototyping, testing and delivery. Lily also founded ProductTank Bristol and runs ProductCamp in Bristol and Bath. Randy Silver is a Leadership & Product Coach and Consultant. He gets teams unstuck, helping you to supercharge your results. Randy's held interim CPO and Leadership roles at scale-ups and SMEs, advised start-ups, and been Head of Product at HSBC and Sainsbury's. He participated in Silicon Valley Product Group's Coaching the Coaches forum, and speaks frequently at conferences and events. You can join one of communities he runs for CPOs (CPO Circles), Product Managers (Product In the {A}ether) and Product Coaches. He's the author of What Do We Do Now? A Product Manager's Guide to Strategy in the Time of COVID-19. A recovering music journalist and editor, Randy also launched Amazon's music stores in the US & UK.

Reversing type II diabetes at a 98% success rate using artificial intelligence. The future of medicine is already here, and it's changing real peoples lives right now. Listeners of my show know I believe personalized data and AI interpretation of this data is how we can beat chronic disease, which is why talking to my guest today - who is using this health algorithm  right now - was a pleasure and genuine moment of hope. Dr. John Oberg is a Founder, CEO, Board Director, Advisor, Professor, and Investor trusted by organizations to navigate growth, conflict, and change. He founded two Austin-based healthcare innovators: Sedera, a community-based medical cost-sharing organization (#193 on Inc 500, #26 in Financial Times Western Hemisphere), and Precina Health, a first-of-its-kind chronic care virtual medical practice and a thought leader in AI deployment. Through John Oberg Advisory, John advises large institutions, healthcare industry leaders, professional services firms, and nonprofits. John received his doctorate from the University of Southern California (Social Work) and his MBA from the University of New Mexico (Policy & Planning and Management of Technology). He is currently an adjunct professor at USC and sits on the Board of Governors. He has authored patents, started companies, and managed teams larger than 1,000 people. Join us as we explore:John Oberg's radical success rate of reversing type II diabetes with the Precina way at a fraction of the cost of traditional healthcare.Why the Precina way takes small steps and makes them even smaller, and uses AI to personalize the steps necessary to reverse their diabetes based upon their needs, emotional barriers and tolerance for change.Why Dr Oberg's approach is not getting into the weeds of diet wars, anecdotal evidence or peer reviewed or not, and focuses on data driven and clinical experience results.How AI will allow individuals to succeed in the long-term with their health despite sub-optimal societal norms and government policies.How John's training as a social worker informs carefulness in his approach and the importance of how cultural and societal factors interact with chronic disease.Contact:Website - https://johnoberg.comWebsite - https://precina.comSupport the showFollow Steve's socials: Instagram | LinkedIn | YouTube | Facebook | Twitter | TikTokSupport the show on Patreon:As much as we love doing it, there are costs involved and any contribution will allow us to keep going and keep finding the best guests in the world to share their health expertise with you. I'd be grateful and feel so blessed by your support: https://www.patreon.com/MadeToThriveShowSend me a WhatsApp to +27 64 871 0308. Disclaimer: Please see the link for our disclaimer policy for all of our content: https://madetothrive.co.za/terms-and-conditions-and-privacy-policy/

Congress is back from recess, with only a few weeks to avert a government shutdown. Lawmakers are split over budget priorities, including Medicaid and military spending. Kansas Republican Senator Roger Marshall joins the Rundown to discuss the budget battle, the President's crime crackdown in Washington D.C., and the recent controversial changes at the CDC. On Friday, a federal appeals court ruled that the Trump administration acted unlawfully in imposing certain tariffs, finding that President Trump exceeded his authority under the International Emergency Economic Powers Act (IEEPA). FOX Business correspondent Lydia Hu joins the Rundown to break down the legal questions surrounding the President's tariff policies, the potential consequences if the Supreme Court upholds the decision, including possible government refunds of collected revenue, and the broader impact on existing and pending trade agreements. Plus, commentary from Yemisi Egbewole, former Chief of Staff and Advisor to the Biden White House Press Office, and the founder of Podium Strategies. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Congress is back from recess, with only a few weeks to avert a government shutdown. Lawmakers are split over budget priorities, including Medicaid and military spending. Kansas Republican Senator Roger Marshall joins the Rundown to discuss the budget battle, the President's crime crackdown in Washington D.C., and the recent controversial changes at the CDC. On Friday, a federal appeals court ruled that the Trump administration acted unlawfully in imposing certain tariffs, finding that President Trump exceeded his authority under the International Emergency Economic Powers Act (IEEPA). FOX Business correspondent Lydia Hu joins the Rundown to break down the legal questions surrounding the President's tariff policies, the potential consequences if the Supreme Court upholds the decision, including possible government refunds of collected revenue, and the broader impact on existing and pending trade agreements. Plus, commentary from Yemisi Egbewole, former Chief of Staff and Advisor to the Biden White House Press Office, and the founder of Podium Strategies. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Power of Dividend Growth Explained and Is the Midwest the Next Silicon Valley? Should we fall in love with dividends? Fiduciary financial advisor Wes Moss tackles the classic debate of stocks versus bonds with a deep dive into the power of dividends. Using data going back 45 years to 1980, Wes reveals how an investment in the S&P 500 would have dramatically outperformed bonds, with dividends growing by an incredible percentage. Also, Wes shares a fascinating look at the future of American manufacturing. He draws a comparison between the 1950s and today, highlighting the huge growth in productivity and innovation. Wes argues that the next big frontier for economic growth might not be in Silicon Valley, but in the heart of the Midwest, thanks to modern-day "George Jetsons" and a renewed focus on high-tech manufacturing. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 2, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the final episode of our special Be a Coach series. So far, I've answered questions about our Certified Fibromyalgia Advisor® class and what it takes to become a Certified Fibromyalgia Coach®. Some of the topics covered in the first three parts of this special series were what a Certified Fibromyalgia Advisor® and a Certified Fibromyalgia Coach® is, the difference between the two, who makes a good Certified Fibromyalgia Coach® and who is better suited to be a Certified Fibromyalgia Advisor®, what you need and don't need to become a Certified Fibromyalgia Advisor® or Certified Fibromyalgia Coach®, why the world needs fibro coaches, and why you should consider becoming one. In this final installment, I'm digging into the nuts and bolts of how you can become a Certified Fibromyalgia Advisor® or Certified Fibromyalgia Coach®; including the exact steps you need to take.       Note: This episode is not meant to be medical advice. Every person and every situation is unique. The information you learn in this episode should be shared and discussed with your own healthcare providers. Did you catch our Virtual Open House? Tami answered the top six questions about our classes, plus the differences between our Advisor and Coach training paths, and which one might be right for you. Discover our tuition and payment options, and how our classes are tailored for fibro brains and bodies. Catch the replay of the event here. Don't like waiting? Get the full Be A Coach series NOW! Register to access the complete 'Be A Coach' series, along with several bonus episodes, delivered straight to your favorite podcast app. Use this link to sign up for FREE. Interested in hearing from our alumni about their journey in our courses? Register to receive our complimentary 'Fibromyalgia Stories of Hope' collection, automatically delivered to your favorite podcast app. Use this link to subscribe. Use this link to subscribe. For daily doses of hope, inspiration, and practical advice, join Tami on Facebook or Instagram. Need a good book to read? Download Tami's books for free. Ready to take back control of your life and health? Schedule a consultation with a Certified Fibromyalgia Coach®.

Welcome to the fourth episode of the 2025 Global Leadership Summit Recap Series on Stories from the River. Host Carl Hillesland, Director, Retail Performance, and guest Kellie Jones, Senior Manager, Retail Operations, dive into insights from Juliet Funt's talk on Leadership Precision and against gluttony at the Global Leadership Summit. The discussion centers around the dangers of leaders overloading themselves, likening the approach to a buffet where piling on more projects and initiatives gives the illusion of progress but ultimately spreads everyone too thin. Drawing from Funt's analogy of the "peanut butter spread too thin tears the bread," Carl and Kellie explore why leaders feel compelled to keep adding priorities, the impact this has on organizational effectiveness, and the challenge of letting go of good—but not necessarily great—ideas. The conversation moves to the alternative: adopting a reductive mindset that focuses on prioritization, improvement, and most importantly, reduction—stripping away nonessential work to sharpen focus and increase productivity. They share practical tools from Funt's talk, like the "Spin Launcher," a five-step process for cutting clutter and making space for what really matters. Both Carl and Kellie reflect on real-world examples within Broad River Retail, emphasizing how shrinking the pile of work gives Memory Makers more lift and allows for higher-value contributions.  The episode wraps with concrete suggestions for Memory Makers and leaders alike to bring more efficiency, focus, and freedom into their daily work by learning the value of saying no and making strategic cuts. Watch the other episodes in the GLS 25 Recap series: Consistency Over Charisma: Takeaways from Craig Groeschel's Opening Keynote at the 2025 Global Leadership Summit - https://youtu.be/cwNiyzyD-go    Unlocking Potential and Conquering Goals: Takeaways from Jon Acuff's Closing Keynote at the Global Leadership Summit - https://youtu.be/TxtGAFeenSo    Live Life Like a Diversified Portfolio & More Insights from Thasunda Brown Duckett @ GLS25 - https://youtu.be/-qUowzD4-5M Additional Resources:  Craig Groeschel Leadership Podcast with Juliet Funt ("Fortune 500 Advisor on Why This One Minute Will Change Your Workday") - https://www.life.church/leadershippodcast/fortune-500-advisor-on-why-this-one-minute-will-change-your-workday-juliet-funt/   Juliet Funt's website: https://www.julietfunt.com   "A Minute to Think" book by Juliet Funt - https://www.julietfunt.com/book/   Watch the first two episodes in our GLS 25 Recap series: Consistency Over Charisma: Takeaways from Craig Groeschel's Opening Keynote at the 2025 Global Leadership Summit - https://youtu.be/cwNiyzyD-go    Unlocking Potential and Conquering Goals: Takeaways from Jon Acuff's Closing Keynote at the Global Leadership Summit - https://youtu.be/TxtGAFeenSo    Additional resources: Success Is in Your Reach by Jada Grandy-Mock - https://www.amazon.com/Success-Your-Reach-Leadership-Circumstances/dp/B0C4MWNQHS   Watch this episode on YouTube: https://youtu.be/aa7gHNA_Wao  Visit https://www.storiesfromtheriver.com for more episodes.  Broad River Retail brought this show to you. Visit https://BroadRiverRetail.com     Follow us on LinkedIn: https://www.linkedin.com/company/broad-river-retail      

Episode 108: Michael Batnick is the Managing Partner at Ritholtz Wealth Management, where he helps shape one of the most influential RIAs in the country while also co-hosting popular podcasts like Animal Spirits. Known for his candor and curiosity, Michael brings a refreshing perspective to investing, leadership, and the business of advice. This week, Kyle talks with Michael about his winding path into finance—from drifting through college and struggling in sales to finding purpose in markets and mentorship. Michael reflects on the lessons of curiosity, humility, and hiring the right people, while unpacking the challenges of building a sustainable RIA. The conversation spans advisor recruitment, the pull of private equity, operational hurdles, tech frustrations, and AI's coming role in reshaping client service.  In this episode: (00:00) - Intro (01:17) - Michael's money moment (04:38) - From cold calling to discovering a passion for the markets (10:06) - Michael's hiring philosophy (13:35) - Ritholtz acquisition strategy (14:49) - The influence of private equity on RIAs (19:02) - What makes Ritholtz an excellent choice for advisors (24:28) - What it takes to run support infrastructure for advisors (28:41) - Ritholtz's tech stack (33:30) - Mystery chart challenge (35:56) - Michael's thoughts on AI and the future of the industry (44:14) - Michael's Milemarker Minute Key Takeaways Hire for personality, not just the resume.  Skills can be taught, but finding someone you actually want to work with every day is irreplaceable.  Don't underestimate the power of a strong brand and organic growth. Organic reach and sustainable growth allow firms to hire advisors who are philosophically aligned with their values, rather than those who are simply motivated by an upfront payout. The best advisors are the best listeners. Over-talking is a rookie mistake. Clients value being heard more than being dazzled with facts. AI will make advisors better listeners. Real-time feedback and conversation analysis will help advisors catch missed cues and improve client relationships. Quotes "Things change a lot, they change always, and they change often. And I didn't want to be an expert on an earlier version of the world. The world is a dynamic place, and you need to stay involved in what's going on." ~ Michael Batnick "The job of an advisor is very difficult. It is to be a listener first." ~ Michael Batnick  "Younger advisors tend to oversell and overcommunicate. It's not about you convincing the prospect that you are smarter than they are. The best advisors are the best listeners." ~ Michael Batnick"It's relatively easy to convince clients to give you money. But what's hard is actually executing and implementing and doing the things that you said that you were going to do." ~ Michael Batnick Links  Michael Batnick on LinkedIn Ritholtz Wealth Management Joshua Brown Barry Ritholtz BlackRock Jay Tini Anna Chaiken Nick Maggiulli Salesforce Orion Advisor Solutions Fidelity Investments Charles Schwab Altruist VRGL Wealth.com T3 Conferences Envestnet | MoneyGuide eMoney Advisor The Godfather Animal Spirits Podcast Connect with our hosts Milemarker.co Kyle on LinkedIn Jud on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify YouTube Produce game-changing content with Turncast Turncast helps your company grow by producing top-quality content and fostering transformative conversations. We specialize in content generation, podcasting, digital strategy, and audience growth for fintech and financial services companies. Learn more at Turncast.com.

On this unmissable episode of Advisor Highlight, we have a conversation with Teneka Hughey who is the founder of Green Book Vacations. She was a government travel agent for over 20 years before launching her own travel agency for leisure travel in 2019. Listen in to learn the story of how she chose the name for her agency and what she has planned for the future of her business. It was a joy to speak to Teneka, and we know you'll love the conversation as much as we did!See omnystudio.com/listener for privacy information.

Paul invites Jim from the Goodlettsville office onto the show, and the two get into a conversation about strategies for paying yourself in retirement. Jim brings up a very popular pitch people hear as they near retirement: moving your money into short, medium, and long-term “buckets” that allow your income to be engaged in various levels of risk based on how long it will be before you need the money. While this sounds like a solid plan, it really becomes an opportunity to engage in more than one plan at a time, introduces new risk into your portfolio, and gives advisors opportunities to sell products like annuities. Later in the episode, Paul and Jim talk about an article that claims that because traditional concepts like retiring at 65 years old are no longer held, other concepts, like the 4% rule, don't apply either.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Advisors spend a ton of time and money putting on seminars… but let's be honest, a lot of them leave frustrated when the room doesn't convert. The #1 mistake I see? Going off-script instead of sticking to a proven process.That's where Nick Whitaker comes in. Nick's a former advisor who's run 250+ seminars, and now he coaches advisors inside Triad on how to actually make these events work. His approach is simple: build connection up front, share content in a way that drives micro-commitments, and then guide prospects to a natural next step.The result? Advisors he coaches are consistently filling their calendars with quality appointments — even with high-net-worth clients who were previously unresponsive.In this episode, we dig into how Nick's clients are turning seminars into a predictable growth engine — from the small tweaks that get people leaning in, to the messaging shifts that build trust, to the proven steps that turn an event into a calendar full of quality appointments.5 of the biggest insights from Nick Whitaker…1. The 3-Part Framework That Makes Seminars ConvertNick reveals the simple structure every advisor should follow: connect with your audience, deliver content that creates buy-in, and guide them toward small commitments. The advisors who “wing it” or go off-script are the ones who burn opportunities and leave empty-handed.2. You Don't Have to Be the Person Who Delivers the SeminarFounders often think they have to be the one on stage, but that's a limiting belief. Nick explains how top firms separate speakers from closers—letting great presenters fill the calendar while advisors focus on the right appointments.3. How Micro-Commitments Turn Listeners Into AppointmentsThe close doesn't happen at the end—it happens all the way through. Nick shows how worksheets, checkboxes, and even nonverbal cues (like picking up a pen) keep audiences engaged and lead to natural, no-pressure conversions.4. The Seminar Tweak That Attracted $2M–$5M ClientsOne shift in delivery completely changed who booked appointments. Instead of attracting only transactional prospects, Nick's approach brought in multimillion-dollar clients who had never responded before.5. How Post-Seminar Conversations Unlock Extra AppointmentsWalking out as soon as you finish speaking is a mistake. Nick explains how spending 10 extra minutes table-to-table often turns fence-sitters into clients—and why conviction, not “sales breath,” is what prospects actually respond to.SHOW NOTEShttps://bradleyjohnson.com/131FREE GIFT + JOIN THE DBDL INSIDER CREWToday's Gift: 30 minute 1:1 coaching call with BradAre you a financial advisor who feels stuck, needs help, or simply wants to have a conversation with Brad? Text “Coaching” to 785-800-3235 to apply for a 30 minute Zoom coaching session and we'll send you a link to Apply. That will also make you a DBDL Insider with VIP access to future resources and exclusive content. *Message and data rates may apply. Reply STOP at any time to opt-out of receiving text messages.FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations.The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for.Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP08254657230See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of Behind the Advisor, Dan Slagle of Fyooz Financial Planning shares how he and his wife, Natalie, grew their firm from 30 to 70+ households—while redesigning their work and life for balance. From parental leave to narrowing their client focus, Dan reveals why clarity, boundaries, and aligned values matter more than scale. Advisors will walk away with insights on setting fees, serving your niche, and building a practice that supports the life you want.

A retired couple's home renovation plans nearly triggered a massive, hidden cost that no one wants to pay: the Income-Related Monthly Adjustment Amount (IRMA). Fiduciary financial advisor Wes Moss breaks down how a simple plan to pay for a renovation could have led to thousands of dollars in extra Medicare premiums and what you can do to avoid a similar fate. Also, Wes dives into the world of AI and financial planning. He explains why AI is a powerful tool for analysis, but warns against using it as a fortune teller. Find out how you can use AI to your advantage while avoiding the dangerous pitfalls of letting it make your big financial decisions for you. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 26, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

FBI agents spent hours searching the home and office of Trump's former National Security Advisor, turned critic, John Bolton. Then, the DOJ releases the full Maxwell transcripts the same day the department gives Congress its first batch of Epstein files. Plus, the Trump administration reportedly informed the lawyers of Kilmar Abrego Garcia that he might be re-deported to Uganda within days just as he's released from federal custody. Jacob Soboroff hosts as Ryan Reilly, Chris O'Leary, Catherine Christian, Brandy Zadrozny, Raul Reyes, Christina Greer, Eddie Huang, and Isabella Brourman join The 11th Hour this Friday night.

Today is a public holiday in Britain, so we bring you a special panel Francis Dearnley hosted during his trip to Germany at the LANDEURO conference hosted by the Association of the U.S. Army. Titled “Ukrainian Innovation at the Speed of Relevance”, it offers a firsthand look at how Ukraine's defense forces are reshaping the future of military conflict, centering on how wartime necessity has accelerated innovation across critical domains, particularly artificial intelligence, drone warfare, digital finance, and scalable software. It is one of the deepest dives on drone development we have ever covered on the podcast.Speakers:Mr. Yaroslav Azhnyuk, CEO and Founder, TheFourthLawMr. Oleksandr Kubrakov, Advisor to the Minister of Defence of Ukraine and, Co-Founder, We Build UkraineMr. Eric Hauff, Senior Director, International Business for Eastern Europe and NATO, ISR, Aviation and Security Division, Sierra Nevada CorporationMr. Sebastian Kuhl, Director Sales Land, HelsingLINKSLearn More about the panel and LANDEURO:https://www.army.mil/article/287145/landeuro_ukrainian_innovation_at_the_speed_of_relevance Hosted on Acast. See acast.com/privacy for more information.

Sentera: https://sentera.com/Chandler Coop: https://www.chandlercoop.com/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 Nick Einck of Chandler Coop is produced in partnership with Sentera. Sentera is a leading provider of remote imagery solutions. Their industry-leading cameras are compatible with most major drone platforms and enable farmers and crop scouts to efficiently capture high-resolution data. Their capabilities and FieldAgent software tools help farmers and agronomists assess plant-level health, identify stressors, and take action. Also their customized herbicide prescription, SMARTSCRIPT™ Weeds, can be delivered to sprayers with individual nozzle control.So drones equipped with Sentera technology fly over fields at high speeds and generate high-resolution images. The images are processed using proprietary deep learning algorithms to identify the exact location of specific weeds and generate a weed map. This map becomes a targeted prescription for how much product a farmer needs to load into their sprayer, saving money and minimizing waste. This past May, John Deere announced they were acquiring Sentera.So I'm very excited to partner with them for this episode, which is a fantastic deep dive into how innovative technology like this combined with something like See-and-Spray really changes the game.Some background on Nick before we dive in: Nick Einck is the Director of Agronomy at Chandler Co-op, a farmer-owned cooperative serving more than 900 customers and providing agronomic services across over 100,000 acres in southwest Minnesota. He began his career at Chandler as an intern and seed manager before spending nearly a decade with Monsanto and Bayer, gaining deep expertise in agronomy, product development, and grower engagement across the Midwest. Nick returned to Chandler in October 2024, bringing both retail and industry experience to help advance the co-op's agronomic strategy. Today, he leads a multi-location agronomy team focused on leveraging tech-enabled tools—like SmartScript™—to help growers make faster, more informed decisions and drive greater return from every acre.

FBI agents raided the Bathesda, Maryland home of President Trump's former national security adviser John Bolton Friday morning. The investigation was ordered by FBI Director Kash Patel who later posted a message on X saying, "NO ONE is above the law." The probe reportedly involves the handling of classified documents. FOX's Eben Brown speaks with James Trusty, former President Trump defense attorney and represented the President following the FBI's raid at his home at the Mar-a-Lago club in Florida, who says this is the first step in a long process. Click Here⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

Why This Retired Couple Is Still 70% in Stocks and Will the Fed Start Lowering Rates? A retired couple in their 80s has big pensions, no debt, and a significant amount of their portfolio in stocks. While traditional wisdom suggests being more conservative with age, find out why they have an “infinite time horizon,” as fiduciary financial advisor Wes Moss explains. Also, the Federal Reserve is the engine of the U.S. economy, and its decisions on interest rates have massive ripple effects, from the housing market to your savings account. With the latest inflation and jobs reports suggesting a cooling economy, Wes explains why we may be at the end of the "higher for longer" era. He also provides a critical heads-up for savers. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 19, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices