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Heaps going on this week on the podcast as we chat to John Grimshaw who is hanging up his RHS Harlow Carr Advisor trowel (and picking up yet another trowel as he landed his Dream Job!) - all the usual weekly advice and listeners' questions answered. Visit potsandtrowels.com for links to all the videos & podcast episodesEmail Questions to info@potsandtrowels.com Our weekly YouTube videos are here: Pots & Trowels YouTubeThe Pots & Trowels team:Martin FishJill FishSean RileyFind out more about Martin & Jill at martinfish.com Find out more about Sean at boardie.comPodcast produced by the team, edited by Sean, hosted by buzzsprout.com

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

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

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

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

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

✈️ Retire Pilots the Right Way!

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

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

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

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

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

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

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

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

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

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

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

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

Pavlos Panagopoulos of Cetera Advisor Networks Stock Market Report for November 11th, 2025 on News Radio KKOBSee omnystudio.com/listener for privacy information.

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

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

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

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

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

We all knew the art market slowed slow down, but we didn't realize the rules were being rewritten, too. Advisor, curator, and reporter Elisa Carollo joins Madison Beale on The Artalogue today to discuss the most important questions arising in the art market today.:Will there be more gallery shut downs? How are galleries adapting in a post-boom, post-digital art market?  What can the next generation dealers do to keep their heads above water? Today, we connect the dots between prices, context, and staying power.We start with Elisa's journey navigating secondary and primary markets, curation, and daily reporting, and how that unique vantage point helps Carollo understand what moves value in contemporary and ultra‑contemporary art. She breaks down the pandemic's fast‑track effect on emerging artists, why rapid price spikes can backfire, and how institutional recognition, biennials, and critical writing broaden demand beyond a handful of bidders.The conversation then turns to the gallery crunch: mounting fair schedules, rising rents, thin teams, and the danger of overgrowth. Carollo explores how dealers these days believe that community is driving more sustainable sales. We also spotlight hopeful momentum, from the Studio Museum in Harlem's reopening to Venice's next chapter, and revisit the Malta Biennial as a model for site‑specific, context‑rich curation that builds meaning as well as markets in places less frequented by the art world's usual travel circuit.Carollo offers grounded advice for aspiring art writers: be present in the industry, wear different hats, and ask better questions. If you care about how artworks earn their place (and keep it) this conversation is your field guide to an art world under renovation. Subscribe to The Artalogue, share with a friend who collects or curates, and leave a review telling me what part of the market you want explored next!Follow Elisa Carollo on Instagram Connect with the Artalogue: Madison Beale, HostBe a guest on The Artalogue Podcast

THE TIM JONES AND CHRIS ARPS SHOW 0:00 SEG 1 Speaker’s Stump Speech is titled "Fleeing the Fallout" and is brought to you by https://www.hansenstree.com/ 17:35 SEG 2 Bruce Levell, Newsmax contributor and longtime Senior Advisor to President Trump | TOPIC: Top headlines of the day | What it was like being the Small Business Administration Advocate for the White House x.com/Bruce_LeVell 34:00 SEG 3 Cowboys player, Marshawn Kneeland, took his own life | Trump may win a peace prize https://newstalkstl.com/ FOLLOW TIM - https://twitter.com/SpeakerTimJones FOLLOW CHRIS - https://twitter.com/chris_arps 24/7 LIVESTREAM - http://bit.ly/NEWSTALKSTLSTREAMS RUMBLE - https://rumble.com/NewsTalkSTL See omnystudio.com/listener for privacy information.

THE TIM JONES AND CHRIS ARPS SHOW 0:00 SEG 1 Speaker’s Stump Speech is titled "Fleeing the Fallout" and is brought to you by https://www.hansenstree.com/ 17:35 SEG 2 Bruce Levell, Newsmax contributor and longtime Senior Advisor to President Trump | TOPIC: Top headlines of the day | What it was like being the Small Business Administration Advocate for the White House x.com/Bruce_LeVell 34:00 SEG 3 Cowboys player, Marshawn Kneeland, took his own life | Trump may win a peace prize https://newstalkstl.com/ FOLLOW TIM - https://twitter.com/SpeakerTimJones FOLLOW CHRIS - https://twitter.com/chris_arps 24/7 LIVESTREAM - http://bit.ly/NEWSTALKSTLSTREAMS RUMBLE - https://rumble.com/NewsTalkSTL See omnystudio.com/listener for privacy information.

Curious about how financial advisors actually earn their income—especially for federal employees and retirees? This video demystifies how advisors are paid, explains fee structures, and helps you choose the best financial guidance for your retirement planning.KEY TOPICS COVERED:Financial advisor fees explainedCommission, fee-only, and hybrid modelsPros and cons for federal employees and retirees401K, FERS, TSP, Social Security timing tipsHow to avoid common advisor pitfalls

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

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

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

President & CEO of Charles Schwab Rick Wurster discusses his first year, the investment environment, and advisor services being a critical driver of Schwab's business growth. Wurster spoke with Bloomberg's Carol Massar and Tim Stenovec.See omnystudio.com/listener for privacy information.

Sam Jones runs through the current state of play with his promising stable of fighters including Pat Brown, Daniel Dubois, Jack Catterall, Cameron Vuong, Conah Walker, Hamza Uddin, Sami and Aadam Hamed plus more! Learn more about your ad choices. Visit podcastchoices.com/adchoices

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

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

This week, Jack Sharry talks with Ritik Malhotra, Founder & CEO of Savvy Wealth, a digital-first platform for financial advisors centered around modernizing human financial advice. Ritik shares how his frustration with outdated advisor technology pushed him to design an AI-powered platform that helps financial advisors grow, operate efficiently, and deliver better client experiences. He highlights how focusing on the advisor first, integrating AI into workflows, and reimagining client engagement can unlock scale and independence in wealth management. In this episode: (00:00) - Intro (01:42) - Ritik's background and how he started Savvy Wealth (04:43) - The business plan that launched Savvy in just three bullet points (06:42) - How Savvy  built and stress-tested the platform from the ground up (11:34) - The $72 million Series B and what it means for Savvy (13:43) - A look under the hood at how Savvy's digital-first platform works (16:18) - What's next for Savvy (19:58) - Ritik's key takeaways (20:29) - Ritik's interests outside of work Quotes "The worst that you can do is try to build something for everyone. It just won't work." ~ Ritik Malhotra  "Listen to the feedback from the core user. Let's literally listen to customers and then build what they need." ~ Ritik Malhotra "There's something really satisfying about enabling independence in any industry—especially one as important as wealth management. There's something nice about helping someone beat the rat race." ~ Ritik Malhotra Links  Ritik Malhotra on LinkedIn Savvy Wealth Box Mark Casady Vestigo Ventures LPL Financial Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Dr. Jeff Schwartzentruber is a Senior Machine Learning Scientist at eSentire, working on anomaly detection pipelines and the use of large language models to enhance cybersecurity operations.The Evolution of AI in Cyber Security // MLOps Podcast #344 with Jeff Schwartzentruber, Staff Machine Learning Scientist at eSentire.Join the Community: https://go.mlops.community/YTJoinInGet the newsletter: https://go.mlops.community/YTNewsletter// AbstractModern cyber operations can feel opaque. This talk explains—step by step—what a security operations center (SOC) actually does, how telemetry flows in from networks, endpoints, and cloud apps, and what an investigation can credibly reveal about attacker behavior, exposure, and control gaps. We then trace how AI has shown up in the SOC: from rules and classic machine learning for detection to natural-language tools that summarize alerts and turn questions like “show failed logins from new countries in the last 24 hours” into fast database queries. The core of the talk is our next step: agentic investigations. These GenAI agents plan their work, run queries across tools, cite evidence, and draft analyst-grade findings—with guardrails and a human in the loop. We close with what's next: risk-aware auto-remediation, verifiable knowledge sources, and a practical checklist for adopting these capabilities safely.// BioDr. Jeff Schwartzentruber holds the position of Sr. Machine Learning Scientist at eSentire – a Canadian cybersecurity company specializing in Managed Detection and Response (MDR). Dr. Schwartzentruber's primary academic and industry research has been concentrated on solving problems at the intersection of cybersecurity and machine learning (ML). Over his +10-year career, Dr. Schwartzentruber has been involved in applying ML for threat detection and security analytics for several large Canadian financial institutions, public sector organizations (federal), and SME's. In addition to his private sector work, Dr. Schwartzentruber is also an Adjunct Faculty at Dalhousie University in the Department of Computer Science, a Special Graduate Faculty member with the School of Computer Science at the University of Guelph, and a Sr. Advisor on AI at the Rogers Cyber Secure Catalysts.// Related LinksWebsite: https://www.esentire.com/~~~~~~~~ ✌️Connect With Us ✌️ ~~~~~~~Catch all episodes, blogs, newsletters, and more: https://go.mlops.community/TYExploreJoin our Slack community [https://go.mlops.community/slack]Follow us on X/Twitter [@mlopscommunity](https://x.com/mlopscommunity) or [LinkedIn](https://go.mlops.community/linkedin)] Sign up for the next meetup: [https://go.mlops.community/register]MLOps Swag/Merch: [https://shop.mlops.community/]Connect with Demetrios on LinkedIn: /dpbrinkmConnect with Jeff on LinkedIn: /jeff-schwartzentruber/

Welcome back to the Alt Goes Mainstream podcast.Today's episode is with an experienced private markets and distribution executive who has been educating the wealth channel and distributing private markets investment solutions at some of the industry's largest investment platforms.We sat down in Prudential's Newark studio with PGIM's Global Head of Alternative Investments, Dominick Carlino. PGIM is the $1.4T global asset management business of Prudential Financial.At PGIM, Dominick is responsible for driving the continued development and distribution of alternative investments tailored to the firm's wealth channel investors globally.Dominick joined the firm in 2023, bringing over 20 years of experience in alternatives distribution. He was most recently MD, Head of Alternative Investments Distribution at Merrill Lynch.Dominick and I had a fascinating conversation about the intersections between insurance and asset management and the evolution of distribution. We covered:How the distribution of private markets investment solutions has evolved.The benefits of an integrated platform across insurance and asset management.Navigating the playing field of collaboration and competition between asset managers and insurance companies.The importance of education.How, why, and where evergreen funds will be adopted.Thanks Dominick for sharing your perspectives and wisdom on insurance and private markets. We hope you enjoy.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.Show Notes00:00 Message from our Sponsor, Ultimus01:18 Welcome to Alt Goes Mainstream01:55 Guest Introduction: Dominick Carlino03:34 Dom's Background and Career Journey03:55 Early Career and Transition to Alternatives05:03 Experience at Morgan Stanley and Merrill Lynch05:18 Evolution of Private Markets Distribution07:08 Wealth Channel and Private Markets09:08 Joining Prudential and PGIM10:25 Prudential's Capabilities and Strategy12:47 Asset Liability Matching in Private Markets14:22 Liquidity Risk and Private Markets16:16 Education and Evergreen Funds17:06 Credit Risk in Private Credit18:14 Vertical Integration and Acquisitions19:35 Partnerships and Strategic Growth20:22 Market Shakeout and Scale22:09 Product Set and Innovation23:24 Advisor and Client Needs24:45 Evergreen Funds and Market Trends26:13 Specialized Strategies in Private Markets26:41 Distribution and Education28:16 Skills for Effective Distribution30:54 Organizational Alpha and Trust31:56 Brand and Stability33:11 Partnerships and Long-term Solutions33:49 Insurance and Tax-Advantaged Strategies34:12 Asset Managers and Insurance Partnerships35:42 Private Markets in Retirement Plans36:17 Future of Private Markets36:41 Keys to Winning in Private Markets37:29 Prudential's Competitive Advantages37:48 Conclusion and Guest FarewellThe opinions expressed in this podcast are those of the author and do not reflect the views or opinions of PGIM, Inc. PGIM, Inc. is not responsible, endorses nor confirms its accuracy. All trademarks and other intellectual property used or displayed are the ownership of their respective owners. Unless noted otherwise in this podcast, PGIM, Inc. is not affiliated with, nor  endorses any mentioned company or any linked third-party content. PGIM and its affiliates may develop and publish research that is independent of, and different than, the recommendations contained herein. PGIM's personnel other than the author(s), such as sales, marketing and trading personnel, may provide oral or written market commentary or ideas to PGIM's clients or prospects or proprietary investment ideas that differ from the views expressed herein.Editing and post-production work for this episode was provided by The Podcast Consultant.

In part two of our conversation with Brian Scanlan, Advisor of Life Sciences at Edgewater Capital Partners, we explore how today's CDMO funding trends are shaping the next phase of growth and specialization across the contract research and manufacturing ecosystem. Brian shares his perspective on: The outlook for cell and gene therapies, where clinical setbacks, overcapacity, and high costs are balanced by steady innovation and cautious optimism; Why “specialization over scale” is defining the next wave of CDMO success, as niche providers in radiopharma, peptides, and other complex modalities gain traction; and How the evolving Biosecure Act and U.S. reshoring efforts are reshaping global supply chains and creating new opportunities for domestic manufacturing.

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

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

The Enlightened Family Business Podcast Ep. 146: How Great Leaders Turn Challenges into Puzzles with Radhika Dutt In this, the first episode of the Enlightened Family Business Podcast, host Chris Yonker engages with guest Radhika, a seasoned advisor and published author, to discuss transformative strategies for family businesses. They delve into the concept of replacing traditional goal setting with a 'puzzle setting and puzzle solving' approach, emphasizing curiosity, adaptability, and collaborative learning. The discussion explores how family businesses can navigate succession, integrate innovative thinking, and balance risk while fostering clear communication and family alignment. This episode offers valuable insights for family business owners and leaders seeking sustainable growth and harmonious leadership transition. ·       00:55 The Old Model of Goal Setting ·       01:49 Guest Introduction: Radhika's Background ·       06:37 The Puzzle Setting Approach ·       07:38 The Importance of Succession Planning ·       16:52 The Problems with KPIs and Target Setting ·       21:48 Shifting from Goals to Puzzles in Business ·       23:44 Implementing Puzzle Solving in Sales ·       28:02 Collaborative Learning and Curiosity ·       33:11 Navigating Family Business Transitions ·       38:54 Balancing Risk in Family Businesses ·       41:24 Learning from Other Industries ·       43:59 Conclusion and Resources Websites: ·       fambizforum.com. ·       www.chrisyonker.com ·       OHLS Toolkit ·       linkedin: @radhika-dutt Radhika's Bio: Radhika Dutt is the author of Radical Product Thinking: The New Mindset for Innovating Smarter which has been translated into Chinese and Japanese. The methodology she introduced in her first book is now used in over 40 countries. She is an entrepreneur, speaker, and product leader who has participated in five acquisitions, two of which were companies that she founded. She is currently Advisor on Product Thinking to the Monetary Authority of Singapore (Singapore's central bank and financial regulator), and does consulting and training for organizations ranging from high-tech startups to multinationals on building radical products that create a fundamental change. Radhika has built products in a wide range of industries including broadcast, media and entertainment, telecom, advertising technology, government, consumer apps, robotics, and even wine. She graduated from MIT with an SB and M.Eng in Electrical Engineering, and speaks nine languages. Radhika is now working on her second book – it's about why goals and targets backfire and what actually works.  

Paul wants you to know that one of the most dangerous things you can do is get into a room with an advisor who knows how to manipulate your emotions and sell you a product that gives them high commissions. Today, Paul shares a video where someone is teaching you how to sell annuities, right down to the words to say and body language to use to make you feel safe and consider the product. By learning these tactics, you can learn to spot the difference between financial help and sales.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

In this episode we explore the Toltec path of shamanic dreaming — not as a philosophy, but as a living practice of perception, impeccability and energetic freedom. Joel Schafer shares his story of entering this work at a young age, what it truly means to reclaim attention from the “predator mind,” and how dreaming serves as a doorway into other layers of reality. We dive into the Toltec understanding of death as an ally, recapitulation as a path to restoring totality, and why true shamanic training requires power, humility, and self-honesty rather than substances or titles. This is a conversation for those who sense there is more to this world than meets the eye — and are ready to learn how to see.Time Stamps(00:00) Episode Teaser(00:37) Opening Conversation(06:18) Introducing Joel Schafer(07:34) Joel's Shamanic Journey(17:54) Experiences with New Shamanic Group(21:49) Understanding Inorganic Beings(23:28) The True Role of a Shaman(31:00) The Toltec Tradition and Dreaming(39:44) Interpreting Dreams and Dark Entities(49:22) The Balance of Discipline and Impeccability(50:46) Creative Practices and Substance Use(52:00) Martial Arts and Dreaming Practices(53:03) The Concept of Totality and Parallel Lives(01:05:03) The Role of Death as an Advisor(01:13:44) Experiences of Power and Perception(01:20:20) The Connection with Earth and Sun(01:26:47) Closing ThoughtsGuest Linkshttps://www.joelschafer.com/ https://www.instagram.com/joel.schafer Connect with UsJoin our membership Friends of the TruthTake the Real AF Test NowDiscover Your Truth Seeker ArchetypeWatch all our episodesConnect with us on TelegramAccess all our links

If you've ever wished your giving could be both simpler and more strategic, there's a powerful tool worth knowing about: the donor-advised fund, or DAF for short.Generosity isn't just about how much you give—it's about the heart behind it. As Paul reminds us in 2 Corinthians 9:7, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.”Wise stewardship allows us to align our giving with God's purposes, using tools that help us maximize our Kingdom impact. A donor-advised fund—when used rightly—can help you do both: give joyfully and steward resources efficiently.What Is a Donor-Advised Fund?Think of a DAF as a charitable checking account designed to support the causes you care about. You contribute cash, stock, or other assets, receive an immediate tax deduction, and then recommend grants to ministries or charities on your timetable.In other words, it separates the act of giving from the act of distributing. You might contribute during a high-income year or before selling an asset to take advantage of tax benefits, while taking time to decide where those dollars should go prayerfully.Behind the scenes, your DAF is managed by a sponsoring organization. At FaithFi, we recommend the National Christian Foundation (NCF)—one of the largest and most trusted Christian providers, founded by Larry Burkett and Ron Blue. NCF handles the record-keeping, issues the grants, and provides online tools to manage your giving.Suppose you plan to sell a business or a piece of real estate that would normally result in a significant capital gain. By donating it to your donor-advised fund before the sale, you can avoid paying capital gains tax, allowing more of the donation to go directly to Kingdom purposes.You receive an immediate tax deduction for the full value of your gift since it's considered an irrevocable charitable contribution. The funds can be invested for potential growth while you prayerfully decide which ministries to support—or you can give immediately.When you're ready, you simply recommend a grant, such as $10,000, to your church or a mission organization. The DAF sponsor verifies the charity and then sends the gift—either in your name or anonymously.The Benefits of a Donor-Advised FundDonor-advised funds have become the fastest-growing vehicle for charitable giving in America, and for good reason. They combine flexibility, simplicity, and intentionality—all with a focus on Kingdom impact.Here are some of the key advantages:Simplicity – One contribution can fund all your charitable giving, with a single tax receipt and one dashboard to track every grant.Tax Efficiency – Receive your deduction when you contribute, not when you give. Donating appreciated assets can help avoid capital gains taxes, increasing the amount that goes to ministry.Flexibility – Give now and decide later where the funds should go, allowing generosity even as you discern where God is leading.Legacy Planning – Name successors—such as children or grandchildren—to carry on your legacy of generosity.Focus on Mission – Since the administration is handled for you, you can focus your energy on prayerfully deciding where to give.Important Limitations to ConsiderNo giving tool is perfect. Here are a few things to keep in mind:Irrevocability – Once you contribute to a DAF, it's a completed gift—you can't take the funds back.Qualified Recipients – Grants can only be made to IRS-approved charities, not individuals or political causes.Timing of Impact – Funds can remain in the account for years, which may delay charitable impact.At FaithFi, we encourage believers to use DAFs for timely generosity rather than indefinite storage. A DAF is meant to organize your giving, not to hold back what God has already called you to release.Why FaithFi Recommends NCFThere are many donor-advised fund providers—but not all share your faith commitments. That's why we recommend the National Christian Foundation (NCF).NCF doesn't just process gifts; they walk with donors in prayer and biblical wisdom. Their Giving Funds simplify generosity, reduce tax burdens, and amplify Kingdom impact. They can even accept complex, non-cash gifts, such as real estate, business interests, or agricultural assets.More importantly, NCF's team seeks to help every believer become a joyful, generous steward who advances the Gospel through wise giving.To learn more or to open your own Giving Fund, visit FaithFi.com/NCF. You can set up your fund in just minutes. And if you'd like a trusted financial advisor to guide you in the process, visit FindaCKA.com.At the end of the day, a donor-advised fund is just a tool—but in the hands of a faithful steward, it becomes a powerful way to partner with God in His work.When our giving flows from gratitude and trust, every dollar becomes a declaration: God owns it all, and we are His stewards.That's what it means to give with joy, wisdom, and eternal purpose.On Today's Program, Rob Answers Listener Questions:My husband was recently diagnosed with a serious health condition, and we're trying to decide whether it's wise to downsize our home. We currently owe about $198,000, but we're also looking at another house for $137,500. With today's interest rates, we could do a 15-, 20-, or 30-year loan. If my husband's income were to go away, would it be smarter to stay where we are or move to the smaller home with a lower payment?I'm 61 and wondering whether I should withdraw money from my 401(k) to pay off my car loan instead of taking out a new one. I've been looking at my budget and income, and I'm not sure if that's the best move. What do you think?My husband recently passed away. He had an IRA worth a little under $70,000, and I have one too. My financial advisor suggested that I roll his IRA into mine—can I do that, and would that be the best approach? Also, our home is in an irrevocable living trust. Am I allowed to sell it, or does it have to stay in the trust?Our term life insurance policy is set to expire soon. We could cash it out or roll it into a whole life policy, but we already have enough life insurance. With a child heading to college in about a year and a half, we're wondering if there's a smart way to put that money into savings for college without taking a big tax hit.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

For over 25 years, Tyson Ray has sat in the same seat many entrepreneurs find themselves in today: running a successful business, serving clients at the highest level, and facing the question of what comes next.As co-founder and CEO of FORM Wealth Advisors, Tyson has led through market cycles, built a multigenerational team, acquired firms, and guided clients through every kind of transition. He spent years focused on everyone else's future until he realized his own succession plan wasn't where it needed to be.That moment became the foundation for the SPACE Framework™ (See, Prepare, Act, Commit, Exit), which Tyson shares in his latest book Total Succession. Built for advisors who care deeply about their clients, their teams, and the legacy they leave behind, it offers a clear path to exit with confidence and full compensation.Tyson holds advanced credentials from the Yale School of Management and the Business Enterprise Institute, along with his CFP®, CIMA®, and CExP® designations. His work has earned national recognition, including:• Barron's Top 1,200 Advisors (2021–2024)• Forbes Best-in-State Wealth Advisor (2018–2024)• AdvisorHub Top 150 Advisors to Watch Under $1B (2024)• Chairman's Council Advisor (2005–2024)Beyond the business, Tyson is co-founder of Children's World Impact, a nonprofit providing global humanitarian aid. His leadership there has been recognized with the Invest in Others Global Community Impact Award and REP. Magazine's Advisor with a Heart.Learn more: http://totalsuccession.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-tyson-ray-co-founder-and-ceo-of-form-wealth-advisors

What if we stopped investing like bystanders and started investing like owners and “neighbors” in the story of our finances?When you invest like an owner, our portfolios can reflect faithful stewardship and create real-world impact. Robin John joins us today to share practical ways to move from passive investing to purposeful ownership.Robin John is co-founder and Chief Executive Officer at Eventide Asset Management, an underwriter of Faith & Finance. He's also the author of the book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World.Investing vs. SpeculatingMany people confuse investing with speculating. Speculating—like day trading—is often no different than gambling. It's focused on short-term gains, trying to predict what the market will do tomorrow. But investing is about ownership. When you buy a stock, you're buying a piece of a company. You become a co-owner.That means your money is participating in real work—serving customers, employing people, and creating products that impact lives. As Christians, we should invest in companies we believe are doing good for the world, not just generating profits.Speculation is reactive and anxious. Investing, when done faithfully, allows us to rest in the knowledge that our capital is working toward purposes aligned with God's design for flourishing.The Responsibility of OwnershipOwnership changes everything. It confers ethical responsibility.If you owned a neighborhood store, you'd care deeply about how it serves your community, treats employees, and impacts the environment. In the same way, being a shareholder means you share in both the profits and the moral implications of what that company does.That's why Eventide Asset Management believes that Christians must think like owners, not traders. Ownership means engaging thoughtfully with the companies we invest in—voting proxies, engaging in dialogue with management, and ensuring that our capital is stewarded with integrity. Our investing isn't just about earning; it's about embodying our faith in the marketplace.Why Passive Investing Deserves a Closer LookIn recent years, many investors have turned to index funds or “passive” strategies. While these offer simplicity and diversification, I believe we should pause and ask: What are we actually owning?As Christians, we can't do anything passively—not even investing. Romans 12:2 calls us to avoid conforming to the patterns of this world, to renew our minds, and to discern what is good. That means we can't blindly invest in every company just because it's part of a market index.Do we really want to profit from industries like pornography, abortion, gambling, or tobacco? Our calling is to pursue good profits—profits that come from serving others and honoring God.To meet that need, Eventide has created systematic ETFs—investment funds that provide broad market exposure while intentionally excluding harmful industries. They're designed for believers who want to participate in the market without compromising biblical conviction.The Neighbor Map: Loving People Through InvestingIn his book, The Good Investor, Robin shares something he calls the Neighbor Map—a framework that helps us see all the “neighbors” affected by a business.God's command to “love your neighbor as yourself” (Leviticus 19) isn't abstract. It applies to the business world. At Eventide, they have identified six key neighbors every company should serve:Customers – Are the company's products truly good for those who use them?Employees – Are they treated with dignity, fairness, and care?Suppliers – Are business relationships ethical and respectful?Communities – Does the company create meaningful jobs and contribute positively to local life?The Environment – Is creation being stewarded well? Caring for creation is one of the most direct ways to love the poor, because it's the poor who suffer most from pollution and neglect.Society – Is the company contributing to the flourishing of the broader culture?Faithful investing isn't only about avoiding harm—it's also about embracing good. When we invest in companies that love their neighbors well, we participate in God's ongoing work of restoration.As investors, we're not distant spectators. We're partners. At Eventide, they engage directly with the companies we invest in—raising concerns, asking hard questions, and encouraging leadership to act with wisdom and compassion.Their goal isn't confrontation—it's collaboration. Whether it's addressing supply chain ethics, employee safety, or corporate philanthropy, we approach these conversations as co-owners who want to see good companies become even better.Clarity for Every Christian InvestorMany believers are unaware of what their money supports. That's why the team at Eventide created GoodInvestor.com—a free tool that allows you to screen your portfolio and see exactly what you're investing in. You can also connect with advisors who understand faith-based investing and can help you align your portfolio with your convictions.We hope that Christians everywhere would invest with joy, clarity, and confidence—knowing that their capital is serving God's purposes in the world. When we invest, we're not just moving money—we're shaping the world. Every dollar we deploy carries moral and spiritual weight.Our prayer is that more believers would see investing as a form of worship—a way to love God and neighbor through the stewardship of capital. Together, we can build a world that rejoices, where profits are good, people are valued, and creation is honored.On Today's Program, Rob Answers Listener Questions:Back in 2010, my parents set up a life estate warranty deed for their home, adding my siblings and me to the deed. My mom passed away eight years ago, and my dad passed in December 2024. We're preparing to sell the house now, but I keep hearing that we need to use a “life expectancy table” to calculate the home's value for capital gains or losses. Can you explain how that works and what steps we'll need to take for the taxes?I've saved up three months' worth of income—about $2,300 in total—and I still owe around $500 on a HELOC and another $500 on a credit card with interest rates of about 7% and 8.9%. My question is: Should I treat my savings separately from my three-month emergency fund? For example, if something unexpected happens—like a car repair—I don't want to touch my emergency fund. Is there a certain percentage or guideline for how much should be in an emergency fund versus regular savings?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World by Robin C. JohnEventide Asset ManagementGoodInvestor.com (Investment Screening Tool and Advisor Search)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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