Podcasts about advisor

50-Year Mortgage: Game Changer or Gimmick? & the Key to Winning a 401(k) Wes Moss dives into the new 50-year mortgage, which he calls a gimmick but sees one potential benefit. Since ownership is key to financial security and the median home-buying age is rising, the concept of starting the equity journey sooner is good. However, Wes and Christa talk about a huge warning if you're considering it. Also, Wes shares a powerful story about the key to winning your 401(k). The story illustrates a real-life outcome for many Americans, emphasizing how a few years' delay or a few percentage points of savings are huge variables that compound over time. Mentioned on the show: Is Robinhood Gold Worth It? The Key to a Winning 401(k) Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 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.  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

Welcome back to the Alt Goes Mainstream podcast.Today's episode brings the perspective of an asset management veteran who has sat on both sides of the table.We sat down in Franklin Templeton's New York City office with George Stephan, COO of Global Wealth Management Alternatives at Franklin Templeton.George joined Franklin to continue the buildout of the firm's Alternatives capabilities, which boasts over $264B AUM in private markets strategies that include Lexington Partners, Benefit Street Partners, and Clarion Partners. George came from KKR, where he was Head of Strategy and Business Development for the firm's Global Client Solutions business and was also COO and Head of Investor Relations for KKR's Global Wealth Solutions business in the Americas. Prior to KKR, George spent nine years in Morgan Stanley's wealth management division. George is also a Board Observer at CAIS.George and I had a fascinating conversation about how to build a wealth solutions business and how advisors approach private markets. We discussed:How has the adoption of private markets by the wealth channel evolved over the course of George's career?The benefits and challenges of being a traditional asset manager building out its private markets capabilities.The breadth and depth of Franklin Templeton's reach as a firm and how that brand and history have helped Franklin partner with the wealth channel in private markets.How has Franklin Templeton's family of specialists enabled the firm to leverage the expertise of specialist alternative asset managers within a larger platform?How does the wealth channel approach private markets?How will model portfolios be constructed and adopted by the wealth channel?Will evergreen funds be the structure of choice for most advisors?Thanks George for coming on the show to share your expertise and wisdom at the intersection of private markets and private wealth.Show Notes00:00 Introduction to our Sponsor, Ultimus01:55 Welcome to the Podcast02:03 Guest Introduction: George Stephan03:59 George's Career Journey04:12 Building Wealth Solutions at Franklin Templeton06:06 Key Pillars for Success in Wealth Management07:31 Client Service and Operational Excellence09:04 Strategic Approach to Wealth Management10:15 Convergence of Public and Private Markets10:48 Advisor Needs and Solutions13:31 Franklin Templeton's Private Markets Business14:23 Unifying Private Markets Business15:01 Cross Collaboration and Investment Decisions15:43 Cultural Alignment in Acquisitions16:35 Franklin Templeton's Core Principles17:15 Heritage and Long-Term Thinking21:30 Brand Evolution and Market Perception24:19 Strategic Partnerships in Private Markets25:56 Future of Partnerships and Acquisitions26:57 Winners and Losers in Partnerships27:10 Advisor's Perspective on Productization27:43 Allocating to Public and Private Markets28:21 Innovation in Private Markets29:05 Challenges and Opportunities in Wealth Management29:56 The Future of Multi-Asset Solutions30:17 Operational Complexity in Private Markets31:27 The Need for Digital Transformation31:59 Adoption of Distributed Ledger Technology (DLT)32:46 Evolving Technology in Wealth Management33:49 Impact of Market Efficiency on Returns35:13 Dispersion in Private Markets Performance37:17 Scale and Investment Integrity38:44 Building Capabilities in Franklin Alternatives40:10 Partnering with Asset Managers41:36 Keys to Building a Wealth Solutions Business42:16 Hiring for Private Markets Expertise43:39 Educating the Industry on Private Markets45:48 Evergreen Structures in Private Markets49:45 Exciting Trends in Private MarketsEditing and post-production work for this episode was provided by The Podcast Consultant.A word from AGM podcast sponsor, Ultimus Fund SolutionsThis episode of Alt Goes Mainstream is brought to you by Ultimus Fund Solutions, a leading full-service fund administrator for asset managers in private and public markets. As private markets continue to move into the mainstream, the industry requires infrastructure solutions that help funds and investors keep pace. In an increasingly sophisticated financial marketplace, investment managers must navigate a growing array of challenges: elaborate fund structures, specialized strategies, evolving compliance requirements, a growing need for sophisticated reporting, and intensifying demands for transparency.To assist with these challenging opportunities, more and more fund sponsors and asset managers are turning to Ultimus, a leading service provider that blends high tech and high touch in unique and customized fund administration and middle office solutions for a diverse and growing universe of over 450 clients and 1,800 funds, representing $500 billion assets under administration, all handled by a team of over 1,000 professionals. Ultimus offers a wide range of capabilities across registered funds, private funds and public plans, as well as outsourced middle office services. Delivering operational excellence, Ultimus helps firms manage the ever-changing regulatory environment while meeting the needs of their institutional and retail investors. Ultimus provides comprehensive operational support and fund governance services to help managers successfully launch retail alternative products.Visit www.ultimusfundsolutions.com to learn more about Ultimus' technology enhanced services and solutions or contact Ultimus Executive Vice President of Business Development Gary Harris on email at gharris@ultimusfundsolutions.com.We thank Ultimus for their support of alts going mainstream.

On this episode of our "Leaders in ERP Series", Shawn Windle speaks with Paul Farrell, Senior Vice President at ECI. Windle and Farrell discuss the projected evolution of the ERP market over the next decade, how Large Language Models (LLMs) and Agentic AI are changing the way companies utilize ERP, and how ECI is framing their AI strategy around industry specialization.Connect with us!https://www.erpadvisorsgroup.com866-499-8550LinkedIn:https://www.linkedin.com/company/erp-advisors-groupTwitter:https://twitter.com/erpadvisorsgrpFacebook:https://www.facebook.com/erpadvisorsInstagram:https://www.instagram.com/erpadvisorsgroupPinterest:https://www.pinterest.com/erpadvisorsgroupMedium:https://medium.com/@erpadvisorsgroup

Bill Galston joins The Great Battlefield podcast to talk about his career as a Political Theorist and Advisor and his book "Anger, Fear, Domination: Dark Passions and the Power of Political Speech".

Live from InfoSec World 2025, this episode of Enterprise Security Weekly features six in-depth conversations with leading voices in cybersecurity, exploring the tools, strategies, and leadership approaches driving the future of enterprise defense. From configuration management and AI-generated threats to emerging frameworks and national standards, this special edition captures the most influential conversations from this year's conference. In this episode: -You Don't Need a Hacker When You Have Misconfigurations — Rob Allen, Chief Product Officer at ThreatLocker®, discusses how overlooked settings and weak controls continue to be one of the most common causes of breaches. He explains how Defense Against Configurations (DAC) helps organizations identify, map, and remediate configuration risks before attackers can exploit them. -Security Challenges for Mid-Sized Companies — Perry Schumacher, Chief Strategy Officer & Partner at Ridge IT Cyber, explores the evolving security challenges facing mid-sized organizations. He discusses how AI is becoming a competitive advantage, how mobility and third-party reliance complicate defenses, and what steps these organizations can take to improve resilience and efficiency. -The Rise of Security Control Management: Secure by Design, Not by Chance — Marene Allison, former CISO of Johnson & Johnson, introduces Security Control Management (SCM), a new software category that unifies control selection, mapping, validation, and enforcement. She explains how SCM transforms fragmented compliance programs into proactive, embedded defense. -Engineered for Protection: The Rise of Security Control Management — Ryan Heritage, Advisor at Sicura, continues the discussion on SCM, explaining how organizations can operationalize this approach to move from reactive reporting to proactive, data-driven defense. He highlights how automation and integration enable security decisions to be made at “the speed of relevance.” -The AI Threat: Protecting Your Email from AI-Generated Attacks — Patricia Titus, Field CISO at Abnormal Security, explores how cybercriminals are weaponizing generative AI to create sophisticated phishing and social engineering attacks. She shares practical strategies for defending against AI-generated threats and emphasizes why AI-based protections are now essential for modern enterprises. -Igniting Change: A Conversation with Dr. Ron Ross — Dr. Ron Ross, CEO at RONROSSECURE, LLC, shares insights from decades of pioneering work in cybersecurity, including the Risk Management Framework and Systems Security Engineering Guidelines. He discusses how leaders can apply these principles to strengthen resilience, foster innovation, and drive meaningful change across the cybersecurity landscape.   Segment Resources ThreatLocker® Defense Against Configurations (DAC): https://www.threatlocker.com/platform/defense-against-configurations Book a demo to see DAC in action. Visit https://securityweekly.com/threatlockerisw to learn more! This segment is sponsored by Ridge IT Cyber. Visit https://securityweekly.com/ridgeisw to learn more about them! Visit https://www.securityweekly.com/esw for all the latest episodes! Show Notes: https://securityweekly.com/esw-435

Jerry Bowyer talks with Missouri State Auditor Scott Fitzpatrick about the hidden influence of proxy advisory firms like ISS and Glass Lewis. Fitzpatrick explains why most pension plans lacked proxy guidelines (and the results of not having them), and how the left uses boardrooms to advance agendas that fail at the ballot box. He shares progress made in pushing back against ESG and why the battle for shareholder engagement is far from over.See omnystudio.com/listener for privacy information.

The Moneywise Radio Show and Podcast Tuesday, November 25th 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

Live from InfoSec World 2025, this episode of Enterprise Security Weekly features six in-depth conversations with leading voices in cybersecurity, exploring the tools, strategies, and leadership approaches driving the future of enterprise defense. From configuration management and AI-generated threats to emerging frameworks and national standards, this special edition captures the most influential conversations from this year's conference. In this episode: -You Don't Need a Hacker When You Have Misconfigurations — Rob Allen, Chief Product Officer at ThreatLocker®, discusses how overlooked settings and weak controls continue to be one of the most common causes of breaches. He explains how Defense Against Configurations (DAC) helps organizations identify, map, and remediate configuration risks before attackers can exploit them. -Security Challenges for Mid-Sized Companies — Perry Schumacher, Chief Strategy Officer & Partner at Ridge IT Cyber, explores the evolving security challenges facing mid-sized organizations. He discusses how AI is becoming a competitive advantage, how mobility and third-party reliance complicate defenses, and what steps these organizations can take to improve resilience and efficiency. -The Rise of Security Control Management: Secure by Design, Not by Chance — Marene Allison, former CISO of Johnson & Johnson, introduces Security Control Management (SCM), a new software category that unifies control selection, mapping, validation, and enforcement. She explains how SCM transforms fragmented compliance programs into proactive, embedded defense. -Engineered for Protection: The Rise of Security Control Management — Ryan Heritage, Advisor at Sicura, continues the discussion on SCM, explaining how organizations can operationalize this approach to move from reactive reporting to proactive, data-driven defense. He highlights how automation and integration enable security decisions to be made at "the speed of relevance." -The AI Threat: Protecting Your Email from AI-Generated Attacks — Patricia Titus, Field CISO at Abnormal Security, explores how cybercriminals are weaponizing generative AI to create sophisticated phishing and social engineering attacks. She shares practical strategies for defending against AI-generated threats and emphasizes why AI-based protections are now essential for modern enterprises. -Igniting Change: A Conversation with Dr. Ron Ross — Dr. Ron Ross, CEO at RONROSSECURE, LLC, shares insights from decades of pioneering work in cybersecurity, including the Risk Management Framework and Systems Security Engineering Guidelines. He discusses how leaders can apply these principles to strengthen resilience, foster innovation, and drive meaningful change across the cybersecurity landscape. Segment Resources ThreatLocker® Defense Against Configurations (DAC): https://www.threatlocker.com/platform/defense-against-configurations Book a demo to see DAC in action. Visit https://securityweekly.com/threatlockerisw to learn more! This segment is sponsored by Ridge IT Cyber. Visit https://securityweekly.com/ridgeisw to learn more about them! Visit https://www.securityweekly.com/esw for all the latest episodes! Show Notes: https://securityweekly.com/esw-435

Live from InfoSec World 2025, this episode of Enterprise Security Weekly features six in-depth conversations with leading voices in cybersecurity, exploring the tools, strategies, and leadership approaches driving the future of enterprise defense. From configuration management and AI-generated threats to emerging frameworks and national standards, this special edition captures the most influential conversations from this year's conference. In this episode: -You Don't Need a Hacker When You Have Misconfigurations — Rob Allen, Chief Product Officer at ThreatLocker®, discusses how overlooked settings and weak controls continue to be one of the most common causes of breaches. He explains how Defense Against Configurations (DAC) helps organizations identify, map, and remediate configuration risks before attackers can exploit them. -Security Challenges for Mid-Sized Companies — Perry Schumacher, Chief Strategy Officer & Partner at Ridge IT Cyber, explores the evolving security challenges facing mid-sized organizations. He discusses how AI is becoming a competitive advantage, how mobility and third-party reliance complicate defenses, and what steps these organizations can take to improve resilience and efficiency. -The Rise of Security Control Management: Secure by Design, Not by Chance — Marene Allison, former CISO of Johnson & Johnson, introduces Security Control Management (SCM), a new software category that unifies control selection, mapping, validation, and enforcement. She explains how SCM transforms fragmented compliance programs into proactive, embedded defense. -Engineered for Protection: The Rise of Security Control Management — Ryan Heritage, Advisor at Sicura, continues the discussion on SCM, explaining how organizations can operationalize this approach to move from reactive reporting to proactive, data-driven defense. He highlights how automation and integration enable security decisions to be made at "the speed of relevance." -The AI Threat: Protecting Your Email from AI-Generated Attacks — Patricia Titus, Field CISO at Abnormal Security, explores how cybercriminals are weaponizing generative AI to create sophisticated phishing and social engineering attacks. She shares practical strategies for defending against AI-generated threats and emphasizes why AI-based protections are now essential for modern enterprises. -Igniting Change: A Conversation with Dr. Ron Ross — Dr. Ron Ross, CEO at RONROSSECURE, LLC, shares insights from decades of pioneering work in cybersecurity, including the Risk Management Framework and Systems Security Engineering Guidelines. He discusses how leaders can apply these principles to strengthen resilience, foster innovation, and drive meaningful change across the cybersecurity landscape.   Segment Resources ThreatLocker® Defense Against Configurations (DAC): https://www.threatlocker.com/platform/defense-against-configurations Book a demo to see DAC in action. Visit https://securityweekly.com/threatlockerisw to learn more! This segment is sponsored by Ridge IT Cyber. Visit https://securityweekly.com/ridgeisw to learn more about them! Show Notes: https://securityweekly.com/esw-435

Jessica Weaver: Breaking the Mold, Building Women's Wealth On this episode of the Make Mental Health Matter Show host Kelli Melissa Reinhardt has special guest Jessica Weaver. Little bit about Jessica's story from her: It is my life mission to educate, encourage, and transform women's lives. And maybe have some fun along the way. Education is the best accessory! I'm Jessica Weaver AKA Not Your Father's Advisor, yes the typical advisor is a male in his 60s, and I took a stance to find my own voice in the finance industry over a decade ago! I'm a TV show host, three-time best selling author, international speaker, and the founder of the Women's Wealth Boutique. The Women's Wealth Boutique is the fastest growing women owned financial firm in the United States. As a female in a male-dominated industry I always felt like an outsider. I felt the guilt of not fitting into the traditional role as an advisor, especially working for my father's firm. I felt the fear of taking the risk, yet also the uncomfortable feeling of NOT taking the risk. I've turned down so many traditional opportunities (yes even turning down money!) in order to discover who I am, how I bring my best self to the table, and find my own significance in the world! I receive wealth everyday. I receive love everyday and I give love everyday. I no longer sacrifice work or family, I have it all. I want you to have it all! I show up from a place of power and grace. My work is transformational to the women in our community! Short bio: Jessica Weaver is a Certified Financial Planner, Certified Divorce Financial Analyst, CEO of The Wealth Boutique, 5 times best selling author, and TV show host of Women Behind the Millions. Founder of The Wealth Boutique, an all female financial firm and Pinkfix Productions, a multi media company. Find out more about Jessica here: www.thewealthboutique.com   www.pinkfixproductions.com   @pinkfixmymoney @womenswealthboutique Want to find out when the next incredible episode of Make Mental Health Matter show is dropping? Sign up for the Make Mental Health Matter newsletter for special tips, and insider only offers. Click HERE to sign up today! Need more resources? www.makementalhealthmatter.org https://linktr.ee/makementalhealthmatter

Live from InfoSec World 2025, this episode of Enterprise Security Weekly features six in-depth conversations with leading voices in cybersecurity, exploring the tools, strategies, and leadership approaches driving the future of enterprise defense. From configuration management and AI-generated threats to emerging frameworks and national standards, this special edition captures the most influential conversations from this year's conference. In this episode: -You Don't Need a Hacker When You Have Misconfigurations — Rob Allen, Chief Product Officer at ThreatLocker®, discusses how overlooked settings and weak controls continue to be one of the most common causes of breaches. He explains how Defense Against Configurations (DAC) helps organizations identify, map, and remediate configuration risks before attackers can exploit them. -Security Challenges for Mid-Sized Companies — Perry Schumacher, Chief Strategy Officer & Partner at Ridge IT Cyber, explores the evolving security challenges facing mid-sized organizations. He discusses how AI is becoming a competitive advantage, how mobility and third-party reliance complicate defenses, and what steps these organizations can take to improve resilience and efficiency. -The Rise of Security Control Management: Secure by Design, Not by Chance — Marene Allison, former CISO of Johnson & Johnson, introduces Security Control Management (SCM), a new software category that unifies control selection, mapping, validation, and enforcement. She explains how SCM transforms fragmented compliance programs into proactive, embedded defense. -Engineered for Protection: The Rise of Security Control Management — Ryan Heritage, Advisor at Sicura, continues the discussion on SCM, explaining how organizations can operationalize this approach to move from reactive reporting to proactive, data-driven defense. He highlights how automation and integration enable security decisions to be made at "the speed of relevance." -The AI Threat: Protecting Your Email from AI-Generated Attacks — Patricia Titus, Field CISO at Abnormal Security, explores how cybercriminals are weaponizing generative AI to create sophisticated phishing and social engineering attacks. She shares practical strategies for defending against AI-generated threats and emphasizes why AI-based protections are now essential for modern enterprises. -Igniting Change: A Conversation with Dr. Ron Ross — Dr. Ron Ross, CEO at RONROSSECURE, LLC, shares insights from decades of pioneering work in cybersecurity, including the Risk Management Framework and Systems Security Engineering Guidelines. He discusses how leaders can apply these principles to strengthen resilience, foster innovation, and drive meaningful change across the cybersecurity landscape.   Segment Resources ThreatLocker® Defense Against Configurations (DAC): https://www.threatlocker.com/platform/defense-against-configurations Book a demo to see DAC in action. Visit https://securityweekly.com/threatlockerisw to learn more! This segment is sponsored by Ridge IT Cyber. Visit https://securityweekly.com/ridgeisw to learn more about them! Show Notes: https://securityweekly.com/esw-435

RU6: STEVEN REISNER ON THE DANCE OF THE OCCULT & UNCONSCIOUS IN FREUD https://renderingunconscious.substack.com/p/ru6-steven-reisner-on-the-dance-of Rendering Unconscious episode 6. This episode of Rendering Unconscious is a lecture by Dr. Steven Reisner “On the Dance of Occult and Unconscious in Freud” given at Morbid Anatomy Museum, NYC, October 2016, as part of a lecture series hosted by Dr. Vanessa Sinclair on Psychoanalysis, Art & the Occult. In this lecture, Dr. Reisner explores Freud's interest in the occult and its implications for psychoanalytic theory. Reisner argues that Freud's curiosity extended beyond sexuality to include phenomena beyond sensory perception. He discusses Freud's experiments with telepathy and thought transference, emphasizing the importance of integrating denied knowledge. Reisner also highlights Freud's cautious approach to disseminating such knowledge, balancing scientific rigor with public perception. Additionally, Reisner links Freud's theories to contemporary issues like resistance to knowledge and the impact of narcissistic or traumatized parents on their children's sensitivity to occult phenomena. This talk was first presented at a conference organized by Dr. Vanessa Sinclair and Carl Abrahamsson, exploring the intersections of Psychoanalysis, Art & the Occult, held in London, May 2016. The Fenris Wolf 9 is a book of collected papers from this conference anthologized by Sinclair and Abrahamsson. https://amzn.to/3XXcwnd Steven Reisner, PhD is a psychoanalyst and political activist in New York. He is a founding member of the Coalition for an Ethical Psychology, Advisor on Psychology and Ethics for Physicians for Human Rights and past-President of Psychologists for Social Responsibility. Follow him at Instagram https://www.instagram.com/drreisner/ News & updates: On Wednesday, December 3rd, join us as we explore Freud's life-long interest in telepathy – Phantoms of the Clinic: From Thought-Transference to Projective Identification with Dr. Mikita Brottman. https://rucenterforpsychoanalysis.substack.com/p/phantoms-of-the-clinic-from-thought This event will be recorded and made available for all those who register. Register here: https://www.paypal.com/paypalme/drvanessasinclair/9 Proceeds raised go towards paying our presenter(s). Thank you for your support! The song at the end of this episode is "Butterfly effect" from the album All p03ts are p0rn0graph3rs by Vanessa Sinclair and Pete Murphy available at https://petemurphy.bandcamp.com/album/all-poets-are-pornographers-13 Enjoy! Thank you for being a paid subscriber to Rendering Unconscious Podcast. It makes my work possible. If you are so far a free subscriber, thanks to you too. Please consider becoming a paid subscriber to gain access to all the material on the site, including new, future, and archival podcast episodes. It's so important to maintain independent spaces free from censorship and corporate influence. Thank You.

CEO Advisor and Business Strategy Expert Miriam Simon joins Emmet Oliver to discuss this year's shopping trends for the festive season!

On this episode of the podcast Marc Beckman, author of “Some Future Day,” CEO of DMA United and longtime advisor to First Lady Melania Trump reveals why he calls her “the First Lady of Technology” and how she is quietly leading one of the most innovative tech revolutions in American public life.Beckman pulls back the curtain on the creation of Melania Trump's groundbreaking AI-generated audiobook, “Melania,” calling her synthetic voice “uncanny and perfect,” adding how every space, every breath and every pronunciation was personally approved by the First Lady of the United States. The successful businessman also highlights Mrs. Trump's visionary leadership in foster-care reform. Beckman recounts being at the White House as she and President Trump signed the executive order behind her “Fostering the Future” initiative — a mission to help foster youth achieve financial autonomy through education, technology and opportunity.While Beckman also discusses the broader AI landscape, geopolitical risks, and America's technological edge, this episode is ultimately a tribute to Melania Trump's forward-thinking impact. A woman who, as Beckman notes, was ‘the first major political figure to use blockchain technology,' the mind behind her own NFT collection, and now the force powering one of the most sophisticated AI audio projects in the country.You can get your hands on Marc Beckman's latest book titled, “Some Future Day” by searching for it on Amazon. You can learn more about him by visiting his website: DMAunited.com. You can also follow him on X or subscribe to his YouTube channel by searching for @MarcBeckman.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Listener Q&A where Andy talks about: Starting Social Security benefits early so your minor children can claim dependent benefits, and how the earnings test can come into play if you're still working ( 5:53 )Social Security spousal benefits, and what happens when the lower earning spouse starts their own benefit early at a reduced amount, then later switches to spousal benefits ( 10:35)Social Security survivor benefits and whether the surviving spouse should start their own benefits earlier before eventually starting the survivor benefit, and whether there will be a reduction to the survivor benefit as a result ( 13:46 )If spouses each have IRAs, does it matter from which IRA they take distributions ( 18:28 )How income from a decedent's investments is taxed after the death of the decedent ( 23:01 )Whether tax withholdings from wages is treated the same as tax withholdings from IRA distributions with regards to the IRS viewing the amount withheld as having happened evenly throughout the year to help avoid underpayment penalties and interest ( 30:57 )How to find a financial advisor/planner who works on a limited engagement basis for just certain guidance or questions (such as Social Security claiming questions and tax return reviews), without requiring management of investments  ( 36:49 )Why do so many advisors require management of investments to provide their planning services, and how to find an advisor who doesn't (this is an extension of the previous question) ( 41:14 )Using zero-coupon Treasury STRIPS in retirement for income after wages stop but before Social Security or other income sources start ( 45:40 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:Devin Carroll's Social Security Spousal Benefit CalculatorFinding an "advice-only" advisor - www.AdviceOnlyNetwork.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

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down what most investors misunderstand about “risk” — and how that confusion could cost you more than any market drop ever will. They explore the real definition of risk, why sitting in cash might be riskier than you think, and how to create a retirement plan that accounts for volatility without derailing your future. Plus, hear why stock market bubbles might not be all bad (if you’re prepared), and what the Vanderbilt family can teach you about preserving wealth for generations. Later, in Ask the Advisor, they answer your questions about Roth conversions, gifting to children, charitable giving, and what to do with a large cash windfall. And in Brian’s Bottom Line, the essential estate planning move everyone should double-check today.See omnystudio.com/listener for privacy information.

This week on State of the Second, we sit down with Tactical Advisor, a SWAT sniper, deputy sheriff, and creator, to talk about balancing law enforcement, faith, and the 2A content grind.We cover honest reviews, YouTube censorship, influencer pay, and how to stay real in the firearms industry.-----------------------Thanks to AAC Ammo & Palmetto State Armory for sponsoring our guest gear!Special thanks to our sponsor for supporting this season!Langdon Tactical - Use code “LTTGOA” for $100 off any order over $1,000 on their website!Patriot Mobile – Get 1 month free with code “GOA” at checkout on their website!Primary Arms - Check them out for high-quality parts for your build or EDC setup!

In today's episode, Donna and Tom sit down with Rob Haddock, Transportation Advisor at Albedo Logistics Solutions, to reflect on his career journey from entry-level at Coca-Cola to leading logistics operations and now consulting. Rob discusses how the logistics landscape has evolved, the challenges clients face today, and the strategies that can help organizations align transportation with broader supply chain goals. He highlights the technologies transforming logistics, the importance of adaptability, and the value of experience in guiding companies through change. Rob also shares personal insights on career success, advice to his younger self, and the guiding principles that have shaped his professional life.  Takeaways:  Taking what was learned at Coca-Cola into Albedo Logistics Solutions  The alignment of logistics strategies with the broader supply chain to drive real business value.  Technology's effect on logistics and the innovation that has come with it  Reflection on his career and advice Rob would have given to his 18-year-old self  Stay connected with CSCR on LinkedIn (Center for Supply Chain Research) and Instagram (@pennstatesupplychain), and be sure to follow us on Spotify, Apple Podcasts, or wherever you are tuning into Unpacked: Insights hosted by the Penn State Smeal Center for Supply Chain Research™. Thank you for joining us!  Visit our website: https://www.smeal.psu.edu/cscr  Guest Bio:  Rob Haddock is a supply chain innovation leader driving industry modernization and collaboration with a passion for connecting, educating, and developing supply chain professions.  A recently retired seasoned professional with decades of supply and operations management experience with the Coca-Cola Company ranging from plant management, customer service, business liaison, vendor managed inventories, operational excellence, Sales & Operations Planning, transportation management, production & deployment planning, integrated business planning & SAP SME. In his final role, he was responsible for leading all Coca-Cola North America's transportation & On Time In Full performance. Rob is an industry-wide driver for innovation, process improvement and a current CSCMP Board member. 

Advisors spend nearly half their time on tasks that take them away from clients. Hazel was built to change that.In this episode of The Advisor Journey, Dasarte sits down with Altruist's Gokul Ramanathan and Fernando San Martín to share how Hazel, Altruist's new AI-powered assistant, is helping advisors work smarter and focus on what matters most.They discuss Hazel's origins, its role in simplifying advisor workflows, and the standards that keep client data secure. From automating meeting prep to identifying follow-up opportunities, Hazel is designed to give advisors time back while improving the client experience.Advisors will learn how this technology evolved from a startup idea into a core Altruist product—and why the future of advice should feel more efficient, personal, and human.ABOUT ALTRUIST: We're on a mission to make independent financial advice better, more affordable, and accessible to everyone. As a modern custodian, Altruist helps high-growth, client-centric, and tech-forward RIAs deliver great advice to more clients at lower costs. Want to find out how Altruist can help you grow? Talk to our team by visiting www.altruist.com/talk-to-us STAY CONNECTED: Instagram ► https://www.instagram.com/altruistcorp/ Twitter ► https://x.com/altruist Linkedin ► https://www.linkedin.com/company/altruistcorp/ ABOUT THE ADVISOR JOURNEY: Real-life strategies for the modern financial advisor who's ready to scale. Join Altruist leaders and guests as they share proven tactics, unfiltered advice, and hard-won lessons you can apply to your own practice. These conversations will propel your career to the next level—don't miss it. Disclaimer: Altruist Corp ("Altruist") offers technology and tools designed to help financial advisors achieve better outcomes. Advisory and certain other services are provided by Altruist LLC, an SEC-registered investment adviser, and brokerage related products and services are provided by Altruist Financial LLC, a member of FINRA/SI...

This podcast is brought to you by Outcomes Rocket, your exclusive healthcare marketing agency. Learn how to accelerate your growth by going to⁠ outcomesrocket.com Agentic AI is transforming healthcare operations by turning complex, manual processes into intelligent, autonomous workflows that save time, reduce costs, and improve patient outcomes. In this episode, Harpaul Sambhi, founder and CEO of Magical, and Douglas Hires, healthcare executive and advisor, explore how agentic AI is transforming automation across the healthcare ecosystem. They describe the evolution from rigid robotic process automation to adaptable, self-learning systems that function like autonomous agents capable of reasoning, adapting, and executing complex workflows without constant oversight. Through vivid examples, they demonstrate how providers and payers are utilizing agentic AI to streamline prior authorizations, optimize revenue cycle operations, and free staff for higher-value tasks. Harpaul and Doug also outline six key pillars for evaluating AI vendors: reasoning, adaptability, interoperability, agility, scalability, and fault tolerance. They emphasize that AI's true purpose is to elevate people, not replace them, thereby fostering a smarter and more humane healthcare system. Tune in and learn how agentic AI is creating the future of autonomous healthcare operations today! 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.

In this episode, I sit down with Todd Pisarczyk of Momentus Wealth Management to unpack what it really looks like to go from a great advisory practice to a truly scalable, CEO-led firm. Todd shares the behind-the-scenes shifts, the unexpected realizations, and the tangible systems he built through coaching that helped him move from “doing all the things” to running a business with clarity, confidence, and a long-term vision. From refining processes to elevating the client experience, this conversation is packed with real advisor wins and practical inspiration. In this episode you'll learn: • Why even successful advisors hit a wall when their practice starts feeling like a “real business” • How documenting processes changed the game for Todd's team of eight and created repeatability for the next generation • The planning, tax, and client-experience upgrades that now keep almost every client showing up for reviews • How shifting into the CEO role brought Todd clarity, confidence, and a bigger mission for his firm • Why group coaching amplified his growth far beyond what he expectedTodd's story is an amazing reminder that growth doesn't require being a “hot mess.” Sometimes the biggest leaps come from refining what's already working, creating structure around what's been living in your head, and surrounding yourself with advisors who are building remarkable businesses too. His journey shows what's possible when you finally step into the CEO seat, create repeatable systems, and elevate your client experience with intention.Learn more about the Group Coaching & Mastermind HERE! Register for the December 2nd event with Adam Holt HERE! (Replay will be sent to those who've registered!) Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Pull up a chair at the EAG dinner table for a Thanksgiving discussion you won't want to miss! Every year, businesses around the world are plagued by difficult ERP implementations and learn hard ERP lessons they won't soon forget. And, unfortunately, many of those obstacles could have been avoided. Those who successfully go live are often thankful for the guidance they received from an experienced ERP consultant who ensured the company applied best practices to their ERP implementation, so they didn't have to repeat others' mistakes. On this episode of The ERP Advisor, our very own Director, Ryan Baca, and Consulting Manager, Shelby Toney, join Rebekah McCabe, EAG's Digital Marketing Manager, and Andy Katz, Director of IT at Komori America, to discuss how they have succeeded by applying implementation best practices over hundreds of ERP implementations and countless hours of advisory services. They also give thanks for the things clients do to make their own projects go right, and breakdown why you will be grateful to have an independent ERP implementation consultant on your team.Connect with us!https://www.erpadvisorsgroup.com866-499-8550LinkedIn:https://www.linkedin.com/company/erp-advisors-groupTwitter:https://twitter.com/erpadvisorsgrpFacebook:https://www.facebook.com/erpadvisorsInstagram:https://www.instagram.com/erpadvisorsgroupPinterest:https://www.pinterest.com/erpadvisorsgroupMedium:https://medium.com/@erpadvisorsgroup

When it comes to managing your money, should you trust family — or is a fresh set of eyes the smarter move? From parents who jokingly say they’ll “move in” if their advisor-son loses the money, to widows who struggle to trust anyone new, the Taylors explore the emotional, practical, and financial challenges of working with someone who shares your last name. They discuss why trust can’t be assumed — it must be earned — and why experience, objectivity, and the ability to have tough conversations matter more than familiarity. Whether you’re considering hiring a family member or wondering if it's time to step outside your comfort zone, this episode will help you think more clearly about trust, transparency, and choosing the right guide for your retirement journey.

Pavlos Panagopoulos of Cetera Advisor Networks Stock Market Report for November 25th, 2025 on News Radio KKOBSee omnystudio.com/listener for privacy information.

Dans cet épisode, je reçois Aymeric Jung, Advisor en Impact Investing à la recherche de l'éthique de la finance, et Aurélien Gallèpe, Professeur de philosophie à l'Université de Genève, pour explorer l'éthique de la finance à la lumière de leurs parcours croisés. Tourné pour mon plus grand bonheur à Genève !

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.

Two New Designing Your Life groups kicking off in January Retirement by Design: Create a meaningful roadmap for what's next. Early registration discount ends 12/15 Limited to 10 spots per group Learn more and sign up today  __________________________ Should you hire a Financial Advisor or do-it-yourself ? Glenn Frank rejoins us with some food for thought. __________________________ Just Asking for a Friend… Retirement brings so many tough questions. Share your question (for a friend, of course…) to be answered in an upcoming retirement podcast episode. Click here to leave a voice message or email me at joec@retirementwisdom.com _____________________ Bio Glenn Frank is the author of Your Encore: Retirement Planning Guide – How to Balance Time, Money and Joy. He was named 2019 Financial Planner of the Year in Massachusetts and one of the top financial advisors in the country for 10 straight years by Worth.   Professor Glenn Frank is a partner at https://www.frankandflanagan.com . Glenn's college teaching experience is extensive. Since 1985 he has taught a large variety of courses in investments, taxes and financial planning. Glenn was the Founding Director of the Master of Personal Financial Planning program at Bentley University. He has been interviewed by the Wall Street Journal, Reader's Digest, Financial Planning, The Boston Globe,  and various other media outlets. _________________________ For More on Glenn Frank Current monthly workshops: “DIY or Advisor”, “How to Build a Lifetime Portfolio” and “Finding a Balance between Time, Money and Joy”. Links can be found at Time, Money and Joy.com (no registration required, extensive slides and resources provided). _________________________ Podcast Conversations You May Like How to Prepare Mentally for Life After Work – Joseph Maugeri The Purpose Code – Dr. Jordan Grumet The Good Life – Marc Schulz, PhD ________________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 1.6 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy. _________________________ The views and opinions expressed by guests on The Retirement Wisdom Podcast are solely those of the guests and do not reflect the opinion of the host or Retirement Wisdom, LLC. The Retirement Wisdom Podcast primarily covers the non-financial aspects of retirement. From time to time we may invite guests who discuss other aspects of retirement planning, solely for educational purposes. Listeners are advised to consult qualified financial and/or medical professionals on those matters. ________________________

On December 1, 2024, as Ashtabula Area City Schools educators and students were out on Thanksgiving break, five and a half feet of snow covered Lakeside High School, causing the roof to collapse. One year later, the Lakeside school community is still waiting for a path forward to begin rebuilding. As the Thanksgiving break approaches again, Lakeside educators are sharing their stories about managing the challenges of serving their students in these difficult circumstances and about the support they've received to stay Lakeside Strong.WATCH | Click here to watch the powerful Lakeside Strong Documentary, created by Lakeside High School students in spring 2025. And, check back on these shownotes in the next couple of weeks for the link to watch OEA's Ohio School Spotlight video from a visit to Lakeside High School - still in ruins - and Lakeside students and staff - still spread out across four buildings in the district - as the one year anniversary of the roof collapse approached.THE LATEST | After a bond issue on the November 2025 ballot to rebuild Lakeside High School did not pass, Ashtabula Area City Schools Superintendent told the Star Beacon the district will continue to pursue avenues to get students back into the high school as soon as possible.  Separately, AACS filed a lawsuit against Liberty Mutual Insurance over its refusal to pay claims for repairs. SUBSCRIBE | Click here to subscribe to Public Education Matters on Apple Podcasts or click here to listen on Spotify so you don't miss a thing. You can also find Public Education Matters on many other platforms. Click here for some of those links so you can listen anywhere. And don't forget you can listen to all of the previous episodes anytime on your favorite podcast platform, or by clicking here.Featured Public Education Matters guests: Maureen Surbella, Ashtabula Area Teachers Association PresidentMaureen A. Surbella is a seasoned educator, coach, and leader with more than 30 years of experience in teaching and community involvement. She holds a Bachelor's in Elementary Education from Walsh University and a Master's in Effective Teaching from Lake Erie College. Currently, Maureen serves as a Title 1 Teacher and the District Communication/PR Liaison for Ashtabula Area City Schools, where she is committed to improving student outcomes and fostering positive communication between the district and the community.Alongside her teaching role, Maureen has been the Head Swim Coach at Ashtabula Area City Schools since 2011, and has also coached tennis and volleyball. Recently, Maureen was elected as the President of the Ashtabula Area Teachers Association, where she works to support and advocate for the district's educators. Maureen's extensive experience in education and athletics, combined with her leadership and communication skills, make her a well-rounded advocate for both students and teachers. She is a member of several professional organizations, including the National Education Association and the Ohio High School Coaches Association.Tyler Wilber, Ashtabula Area Teachers Association memberTyler Wilber is proud to teach at Lakeside High School, the same district where he graduated. With over 25 years of experience in Ashtabula Area City Schools, he has dedicated his career to helping students learn, grow, and reach their potential. He currently teaches American History, Geography, and Esports & Gaming. In addition to the classroom, he serves as one of the Building Technology Representatives and the Building Testing Coordinator, supporting both staff and students. He also enjoys coaching as the Assistant Boys Golf Coach and has previously coached football and track & field. As a proud product of the Ashtabula school system, Wilber takes great pride in giving back to his community and inspiring the next generation of students.Jostalyn Krider, Ashtabula Area Teachers Association memberJostalyn Krider is in her sixteenth year of teaching mathematics at Lakeside High School in Ashtabula, Ohio. She currently teaches Algebra 2 Honors, Algebra 2 College Prep, AP Calculus, and Drone Technology. In addition to her classroom duties, Mrs. Krider serves as Co-Chair of the Mathematics Department and advises the Robotics Club.She is dedicated to helping students connect mathematics to real-world applications through technology and innovation. Her integration of STEM concepts—especially in drone technology and robotics—reflects her commitment to preparing students for success in a rapidly evolving, technology-driven world. Mrs. Krider is recognized for her leadership, collaboration, and passion for inspiring curiosity and problem-solving in her students.David Roth, Ashtabula Area Teachers Association memberDavid P. Roth has been educating Future Musicians for over 30 years, having taught in Wyoming, Florida, and Ohio. He holds a Bachelor's in Music Education from Kent State University and a Master's in Music Education from The University Of Akron. Currently, David is the Instrumental Music Director at Lakeside High School and Erie Intermediate School, teaching Band and Orchestra to 5th and 6th Graders, and Band, Orchestra, and Jazz to 9th through 12 Grade Students. Through a solid educational foundation, and memorable and enriching performances, Mr. Roth continues to guide Lakeside's Young Musicians to constantly push and improve themselves, while learning more about the world and the World of Music.In addition to his teaching roles, David has been the Advisor for the school's Tri-M Music Honor Society (8 Years), National Honor Society (6 Years), and Key Club (3 Years), as well as a Past Membership Chair and current Building Representative for the Ashtabula Area City Schools. David is also an active member of the National Association for Music Education, the Ohio Music Education Association (where he serves as Webmaster for District 5), the American School Band Directors Association, and Life Member of Kappa Kappa Psi National Honor Band Fraternity. Recently, Mr. Roth was nominated for and selected as a Quarter-Finalist for the Grammy Music Educator Award in 2024.Douglas Wetherholt, Lakeside High School PrincipalWith more than 33 years experience in education, Doug Wetherholt has had the privilege of serving as a principal for the past 17 years. Wetherholt is a proud graduate of Ashtabula High School, where his passion for education was ignited. He pursued his Bachelor's degree at Kent State University, and later, earned his Master's degree from Youngstown State University. These educational milestones have been instrumental in shaping his educational philosophy and approach to leadership. At Lakeside High School, W...

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

Kentik's Mav Turner joins host Phil Gervasi to go beyond chatbot hype and dig into real AI reasoning for network operations. They discuss how Kentik AI Advisor uses network intelligence, hybrid RAG, and tool-calling to troubleshoot issues, optimize cost, and democratize access to network expertise. Along the way, they cover architecture, data governance, model evaluation, and why AI has to be built into an observability platform itself, not bolted on.

⬥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: 

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

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.

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

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.

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

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.

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.