Podcasts about advisors

Patrick Witt, the Executive Director of the President's Council of Advisors for Digital Assets, joined me at Chainlink's SmartCon to discuss the status of the Crypto Market Structure Bill (CLARITY Act), Strategic Bitcoin Reserve, and more. Brought to you by

Andy and Ben Brandt from Retirement Starts Today share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Thoughts on Monte Carlo analysis; the good, the bad, the ugly ( 9:10 )Why all retirement plans are ultimately wrong as soon as they're made, and need to be agile and adaptable ( 13:30 )How to try to help people get comfortable spending the money they've accumulated ( 22:53 )Should people care how financial advisors dress? ( 29:18 )Is IRMAA (Income Related Monthly Adjustment Amount) something that needs to be avoided, or is it okay to knowingly pay some IRMAA in the name of longer term tax planning ( 35:12 )Are there any planning considerations or concerns people should have if the government shutdown continues to drag on ( 39:58 )Is renting a home (instead of owning or buying) a home in retirement okay ( 44:27 )Are Donor Advised Funds worth using ( 48:35 )Their thoughts on Artificial Intelligence and how it may impact financial and retirement planning ( 52:52 )Is it okay to pay taxes on Roth conversions by withholding it from the IRA, or should taxes on conversions only be paid with money outside of an IRA, such as in a bank or brokerage account ( 1:00:42 )Links in this episode:Ben's website - Retirement Starts TodayBen's YouTube channel - Even Better RetirementTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Frank and Brian also dig into:• The pivotal 2005 spin-off from American Express - and what it unlocked for advisors.• Why it's “all about how much you make, not the payout.”• How Ameriprise's E-Meeting, Insights, and AI-driven Copilot tools are redefining advisor efficiency.• The power of home-office visits and what advisors should look for in firm culture.• Why advisors who said “never” to Ameriprise often end up saying “yes.”If you've ever wondered why so many top producers are giving Ameriprise another look, this episode delivers straight answers, real examples, and lessons every advisor can use when evaluating their next move.Resources:Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.comJEDI Database Solutions | Data Intelligence for Advisors: https://jedidatabasesolutions.comConnect with Brian Mora on LinkedIn or via phone: (609)-335-8844https://www.linkedin.com/in/brian-j-mora-cfp%C2%AE-crpc%C2%AE-awma%C2%AE-4076b610/  Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners 

If you've been enjoying The Independent Advisors podcast for a while now and want to take the next step in your financial journey, I'd encourage you to head to our website, jessupwealthmanagement.com (https://www.jessupwealthmanagement.com/) .Matt offers a 15-minute initial call where you can discuss your financial goals and see if JWM is a good fit for your needs.Scheduling is easy—once you land at jessupwealthmanagement.com (https://www.jessupwealthmanagement.com/) just click “Schedule Initial Call” and select a time that works best for you!There's a quick survey to fill out that will help guide the conversation and ensure your time is used efficiently.If you're ready to learn more, visit jessupwealthmanagement.com (https://www.jessupwealthmanagement.com/) and book your call today!

Live from Future Proof, I sat down with Jason Early, Founder and CEO of RISR — an AI platform that's helping financial advisors rethink how they serve business-owner clients.Here's the truth: for most entrepreneurs, their business is their biggest asset — but most advisors just ask, “What's it worth?” jot down a guess, and move on. Jason and his team built RISR around a simple belief: business owners deserve better advice, and the advisors who serve them need better tools to give it.RISR connects directly to a company's financials, uses AI to generate real-time valuations, and gives advisors the insights they need to guide clients through growth, succession, and exit planning. It helps advisors have the right conversations — earlier — so they're there long before the liquidity event, not chasing it after the fact.In this conversation, Jason shares how top advisors are using RISR to win business-owner clients, deepen relationships, and deliver the kind of advice that builds lasting trust.3 of the biggest insights from Jason Early…#1.) How Top Advisors Are Using RISR to Stand OutAdvisors aren't just running valuations, they're using RISR to open doors, deepen trust, and win business-owner clients long before a liquidity event. By showing up with real data on what the client's business is worth, advisors shift the conversation from “asset management” to “business strategy.” It's helping them justify planning fees, spark succession discussions, and position themselves as the quarterback for every major decision that impacts the owner's wealth and legacy.#2.) The Truth About Business Valuation (and Why It's Usually Wrong)Most business owners miscalculate what their company is worth — often by millions. Jason breaks down why, from owner dependency and client concentration to “country club math” and non-normalized EBITDA. He also explains how objective valuation data brings alignment between partners and families, turning tough money talks into clarity.#3.) What Every Advisor Should Know About Succession & Exit PlanningBusiness owners rarely plan their exits well. Jason explains how advisors can use valuation insights to build readiness conversations, prevent conflict between partners, and even influence deal outcomes. These are high-trust, high-value planning opportunities that position advisors as long-term strategic partners — not just investment managers.SHOW NOTEShttps://bradleyjohnson.com/142FREE GIFT + JOIN THE DBDL INSIDER CREWToday's Gift: 30 minute 1:1 coaching call with BradAre you a financial advisor who feels stuck, needs help, or simply wants to have a conversation with Brad? Text “Coaching” to 785-800-3235 to apply for a 30 minute Zoom coaching session and we'll send you a link to Apply. That will also make you a DBDL Insider with VIP access to future resources and exclusive content. *Message and data rates may apply. Reply STOP at any time to opt-out of receiving text messages.FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Join us on the latest episode, hosted by Jared S. Taylor!Our Guests: Kenneth Young, CEO at Medecision and Mike Green, Managing Partner at Excell Healthcare Advisors.What you'll get out of this episode:Strategic Union for Scalable Impact: Medecision's acquisition of Excell aims to merge technology and consulting to unlock ROI and operational change.Data Quality as the Foundation: Leaders emphasize that without clean, integrated data, AI initiatives risk failure.Enabling Clinicians to Work Top of License: AI is used to minimize administrative burden and maximize patient-focused care.AI with Purpose, Not Hype: Real-world applications, not buzzwords, are driving conversations about AI's role in healthcare transformation.Rehumanizing Healthcare: Combining AI, data, and clinical insight to ensure the right care is delivered at the right time.To learn more about:Medecision Website https://www.medecision.com/ Medecision Linkedin https://www.linkedin.com/company/medecision/ Excell Healthcare Advisors Website https://www.excellha.com/ Excell Healthcare Advisors Linkedin https://www.linkedin.com/company/excellhealthcareadvisors/ Our sponsors for this episode are:Sage Growth Partners https://www.sage-growth.com/Quantum Health https://www.quantum-health.com/Show and Host's Socials:Slice of HealthcareLinkedIn: https://www.linkedin.com/company/sliceofhealthcare/Jared S TaylorLinkedIn: https://www.linkedin.com/in/jaredstaylor/WHAT IS SLICE OF HEALTHCARE?The go-to site for digital health executive/provider interviews, technology updates, and industry news. Listed to in 65+ countries.

In this episode, Andrea and David sit down with Jharid Pratt, CEO of Granite Peak Veterinary Advisors, a CPA firm dedicated exclusively to veterinary hospitals. Together, they explore the complexities of major financial transactions, discuss strategies for streamlining back-office operations, and highlight the value of proactive, hands-on advisory support. Emphasizing the importance of collaboration and shared success, Andrea and David underscore the firm's commitment to helping every practice achieve its tax and financial goals—while hinting at something exciting in store for executive and leadership teams within veterinary hospitals. So, grab your coffee or pour a glass of wine, and join us for an engaging conversation. Stay happy and sane!

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.

Listen now to learn:00:00 – Intro:02:35 – What Is Generative AI (Really)?06:04 – Compliance Concerns & Data Privacy:14:20 – Can You Trust AI to Run Your Practice?18:09 – Data Is the New Asset Class:22:19 – Trust, Credibility & the Human Factor:27:11 – The Future of Work in Financial Services:31:05 – Final Thoughts: Trust But Verify:Learn more about our companies and resources:-Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.com-Elite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.com-Elite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.com-JEDI Database Solutions | Technology Solutions for Advisors: https://jedidatabasesolutions.com  Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/

This week's podcast is about AI Agents transforming ecommerce. Likely all commerce.You can listen to this podcast here, which has the slides and graphics mentioned. Also available at iTunes and Google Podcasts.Here is the link to the TechMoat Consulting.Here is the link to our Tech Tours.Here is the McKinsey article I mentioned:The agentic commerce opportunity: How AI agents are ushering in a new era for consumers and merchantsHere is the BCG article I mentioned:When Brands Meet AI Bots: Customer Experience in the Era of Agents-------- I am a consultant and keynote speaker on how to accelerate growth with improving customer experiences (CX) and digital moats.I am a partner at TechMoat Consulting, a consulting firm specialized in how to increase growth with improved customer experiences (CX), personalization and other types of customer value. Get in touch here.I am also author of the Moats and Marathons book series, a framework for building and measuring competitive advantages in digital businesses.Note: This content (articles, podcasts, website info) is not investment advice. The information and opinions from me and any guests may be incorrect. The numbers and information may be wrong. The views expressed may no longer be relevant or accurate. Investing is risky. Do your own research.Support the show

AI is coming for advisors' jobs. It just passed the CFA exam in mere minutes. It doesn't matter what you personally think about AI or whether or not you think it gives good financial advice: Your market believes it does! That's the bad news.  The good news? You can change the perception of your market… but you must first realize this threat for what it is. Your potential clients believe AI can do a good enough job… and it can do it far faster and cheaper than you.  In today's show, you'll discover how to prevent AI from stealing your clients and why this threat requires your immediate action. Listen now. Show highlights include: Why AI will replace financial advisors (and why AI won't replace financial advisors) (0:55)  4 reasons why the financial advice industry will be hit harder by AI than other industries (3:36)  How to prevent your financial advice business from going the same way as the camera business did after iPhones came out (5:06)  An alarming trend about your potential clients using ChatGPT instead of booking a call with you (8:57)  How to engineer a new perception around your offer and eliminate the threat of AI stealing your market share (10:48)  My 3 predictions for what will separate the advisors who adapt and crush AI and those who will be mollywhopped by AI (12:05)  How to make your services the obvious choice over AI by studying the old Mac vs PC ads (13:42)  Here is a cheat code for absolutely decimating AI in front of prospective clients (17:56)  4 things you must do to eliminate the threat of AI (and even turn it into an ally for growing your financial advice business) (23:07) My Profitable Pricing Blueprint gives you an unfair advantage over AI. Get it before AI chops off your business's head at https://TheAdvisorCoach.com/Pricing  Since you listen to this podcast, I want to give you a gift:  If you subscribe to the Inner Circle Newsletter, I'll send you a collection of seven "objection busting" and copyright free emails, personally written by me, that you can use right away to begin getting more clients. Sign up here: https://TheAdvisorCoach.com/Coaching. Then, let me know you subscribed, and I will reply back with a link where you can download them for free. 

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.

“If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” - Edmund BurkeIt's a familiar thought: If I just had a little more money, life would be better. We've all been there—believing that one more raise, one more purchase, one more upgrade will finally bring contentment. But as many have discovered, that thought rarely delivers what it promises.The question “Can money buy happiness?” isn't new, and neither is the answer. From philosophers to billionaires to biblical writers, the conclusion is the same: wealth can make life comfortable, but it cannot make life complete.Why Money Can't Deliver What It PromisesWe don't know how much Edmund Burke studied Scripture, but his words echo a timeless truth. Paul warned Timothy, “For the love of money is a root of all kinds of evils” (1 Timothy 6:10). When we expect money to solve our problems or satisfy our hearts, disappointment always follows.Financial author Ron Blue explores this in his book, Generous Living: Finding Contentment Through Giving, pointing out a deep disconnect between what we believe and how we behave. Most of us would agree that “money can't buy happiness,” yet nearly every message in our culture insists that it can. The world doesn't just tempt us to spend more—it trains us to depend on more.Advertising drives this message home. Every commercial suggests that joy is only one purchase away. The right car, the latest phone, the perfect vacation—each one whispers that happiness is for sale. But when our hearts attach to things that fade, anxiety soon takes root. Instead of owning our possessions, our possessions begin to own us.John D. Rockefeller, worth billions in today's dollars, once admitted, “I have made many millions, but they have brought me no happiness.” Henry Ford echoed the same sentiment: “I was happier when I was doing a mechanic's job.” And long before them, King Solomon—the wealthiest man of his day—wrote, “He who loves money will not be satisfied with money; this also is vanity” (Ecclesiastes 5:10).Three men, three eras, one truth: money can't satisfy the soul.Two Myths About WealthRon Blue identifies two common lies about money:More money brings more freedom and satisfaction. In reality, more money brings more complexity. As Ron Blue also notes in his book, “Since there are always unlimited ways to spend limited dollars, it doesn't matter whether you make $20,000 or $200,000—you will always have choices to make.” With greater wealth comes greater responsibility and potential stress.More money removes fear and worry. The opposite is often true. The more we have, the more we have to lose. Market downturns and unexpected crises reveal that our sense of security is fragile when it's built on wealth.In those moments, God invites us to a deeper trust—not in our accounts or assets, but in His character. His provision is measured not by our portfolios but by His promises.So how do we break free from financial fear? It begins with a shift in perspective: realizing it's not your money. You're a steward, not an owner. Everything you have belongs to God.Philippians 4:19 assures us, “And my God will supply every need of yours according to his riches in glory in Christ Jesus.” God promises provision, not luxury. He gives enough for His purpose in your life, not necessarily for every preference.Our role is faithfulness—to manage His resources wisely, give generously, and hold loosely what He entrusts to us. Enjoy His gifts, but never expect them to give you peace or identity. Those belong to God alone.Finding Joy That LastsPsalm 37:3–5 gives us the pathway to contentment: “Trust in the Lord, and do good… Delight yourself in the Lord, and he will give you the desires of your heart.”When we delight in God, He reshapes our desires. We stop chasing what fades and start finding joy in what lasts. True wealth isn't measured by net worth but by contentment.So, can money buy happiness? Not the kind that endures. It can buy comfort and convenience—but not peace, purpose, or joy. Those come only from trusting the One who provides.When your hope rests in Christ and not your paycheck, you'll experience what Edmund Burke described centuries ago: true freedom that never fades.On Today's Program, Rob Answers Listener Questions:I'm 30 and trying to be proactive about my financial future. Should I consider getting long-term care insurance this early, or wait until later in life? And would adding annuities make sense at my age?I'm a veteran with a VA loan at 6.75%, and I keep getting offers to refinance through a VA IRRRL. I've only been in my home for about a year, but as a single mom, lowering my payment would really help. Should I go ahead and refinance now, or wait?My employer offers both a traditional 401(k) and a Roth option. If I switch to contributing to the Roth, will my employer match still go there, and would it also be tax-free when I withdraw it?I recently replaced my old truck with a 2023 model, and the seller is offering an extended warranty for $4,000. It sounds comprehensive, but I've read many negative reviews about these plans. Are extended warranties on vehicles generally worth it?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Generous Living: Finding Contentment Through Giving by Ron Blue with Jodie BerndtWisdom 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.

Nefertarei El Bey (Nef-er-tar-ee), a woman whose goal in life is to be integral and live a purpose-filled life. She worked in healthcare for over 23 years. Her past experiences prepared me for a variety of development and leadership. She has worn lots of hats: Insurance Claims Management, Customer Service Management, Medical Billing and Coding, Auditor for Subrogation Cases. The list goes on and on.The commonality of all these roles is people. Everyone wants to be heard and understood. All the roles she found herself in were liaisons between the company and the people. This is how she came to know my true purpose, being a servant to man.She is honored to be a community resource, helping individuals understand Medicare plans and final expenses. She's a licensed agent for health and life in 13 states. She is invested in each client by educating and keeping them informed of updates.Nefertarei is a wife, mother, grandma, sister, auntie, daughter, and most importantly, a child of God. She resides with her husband in Concord, NC. Her ideal weekend is not to have plans and do NOTHING!!! Nevertheless, when you hear her name or think of her now, she is passionate and always grateful to serve.Learn more: http://www.insuredbynef.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-nef-el-bey-with-c-k-healthcare-advisors-founder-of-insured-by-nef-discussing-legacy-protection

Send us a textWelcome back Marnie Stockman, Ed.D. and Nick Coniglio, authors of the phenomenal new book, The Business of You.This episode provides a complete methodology for anyone doing the “right things” (good grades, internships, etc.) but still struggling to stand out or land the job they actually want. It's time to stop letting the world define your value and start defining it yourself.The traditional career ladder is obsolete. We discuss why you must Run Your Life Like a Business, serving as your own CEO, Head of HR (identifying your core values), and Head of Marketing (crafting your personal brand).We explore the essential difference between the old Credential Ladder (stacking titles) and the Value Ladder (generating value for others). Learn why you need a Personal Board of Advisors—specifically a Challenger—to push you.Your competitive advantage is your Story. In a world of AI-scanned resumes, learn how to move from selling your story to genuinely sharing it. Finally, we cover the Power of Adaptability and why you must practice resilience using a pre-mortem to stress-test your plans before they fail.“If you're not intentionally taking care of what your persona is in the public, it will be done for you. People will make assumptions.”Listen to Episode 67 for the full discussion.Until next time, friends, Chris

Nefertarei El Bey (Nef-er-tar-ee), a woman whose goal in life is to be integral and live a purpose-filled life. She worked in healthcare for over 23 years. Her past experiences prepared me for a variety of development and leadership. She has worn lots of hats: Insurance Claims Management, Customer Service Management, Medical Billing and Coding, Auditor for Subrogation Cases. The list goes on and on.The commonality of all these roles is people. Everyone wants to be heard and understood. All the roles she found herself in were liaisons between the company and the people. This is how she came to know my true purpose, being a servant to man.She is honored to be a community resource, helping individuals understand Medicare plans and final expenses. She's a licensed agent for health and life in 13 states. She is invested in each client by educating and keeping them informed of updates.Nefertarei is a wife, mother, grandma, sister, auntie, daughter, and most importantly, a child of God. She resides with her husband in Concord, NC. Her ideal weekend is not to have plans and do NOTHING!!! Nevertheless, when you hear her name or think of her now, she is passionate and always grateful to serve.Learn more: http://www.insuredbynef.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-nef-el-bey-with-c-k-healthcare-advisors-founder-of-insured-by-nef-discussing-legacy-protection

In this episode of the GovDiscovery AI Podcast, host Mike Shanley, CEO of GovDiscovery AI, speaks with Mike Derrios, former Deputy Assistant Secretary for Acquisition and Senior Procurement Executive at the U.S. Department of State. Derrios shares insights from his tenure at State​. The conversation explores the America First Global Health Strategy, State's ongoing reorganization, and broader federal acquisition reforms, offering valuable perspective for implementers, contractors, and NGOs navigating these shifts.   ​BIO:  Mike Derrios is a strategic leader and expert in government acquisition with 30 years of federal, military, and private sector experience. He currently serves as Deputy Assistant Secretary for Acquisition and Senior Procurement Executive for the U.S. Department of State (DOS), where he oversees all global procurement and grant operations for America's foreign diplomacy and national security mission, managing an annual spend of $15 billion and a workforce of 1500 across 270 embassies and consulates.   Previously, Mike served as the Head of Contracting for the United States Coast Guard where he led a $3.5 billion annual portfolio to recapitalize assets and leveraged policy to grant extraordinary contractual relief to salvage production facilities for the $10 billion Offshore Patrol Cutter program after a Level 5 hurricane decimated shipyard facilities. A plank holder for the Transportation Security Administration, Mike led the nationwide deployment of passenger and carry-on baggage screening equipment, valued at $5 billion, across 429 U.S. airports. He also served as the program director for expansion of TSA PreCheck®, launching a program that enrolls millions of Americans for expedited airport screening through a public-private partnership model.   As a senior business consultant at CACI, Mike helped to replace legacy contract writing systems for 20,000 procurement professionals across the Department of Defense. He started his career in the United States Air Force. Mike holds a Master of Business Administration degree from George Mason University (GMU) and a Bachelor of Science degree in Workforce Education & Development from Southern Illinois University Carbondale. He is a member of the Board of Advisors for the Baroni Center for Government Contracting at GMU. Mike is passionate about delivering value through procurement, optimizing performance, and galvanizing teams to maximize opportunities.    LEARN MORE: Thank you for tuning into this episode of the GovDiscovery AI Podcast with Mike Shanley. You can learn more about working with the U.S. Government by visiting our homepage: Konektid International and GovDiscovery AI. To connect with our team directly, message the host Mike Shanley on LinkedIn.   https://www.govdiscoveryai.com/ https://www.konektid.com/  

Send us a textOn this episode of The Get Ready Money Podcast, I spoke with John Kailunas—author, podcast host, and CEO of Regal Holdings of America—about how creating a retirement mission statement helps you define your purpose after work. 

In this episode, recorded during a BICOM media briefing, Daniel J. Levy speaks with Dr Najah Alotaibi and Dr Efrat Sopher about the prospects for Saudi–Israeli normalisation following the Gaza War. They discuss how Saudi Arabia's social and educational reforms are reshaping public attitudes toward Israel. They also relate to the growing empowerment of women and the importance of grassroots initiatives. Dr Najah Alotaibi is a Saudi academic, journalist and board member of MENA 2050. Dr Efrat Sopher is an Iranian Israeli security analyst and chair of the Board of Advisors at the Ezri Center for Iran and Gulf States Research at the University of Haifa.

Chapters:00:00 – Intro01:03 – Lessons from 250 Episodes22:54 – The Mythbuster Mentality23:26 – Authenticity, Evolution, and Advisor Education31:29 – Keep It FreshLearn more about our companies and resources:-Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.com-Elite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.com-Elite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.com-JEDI Database Solutions | Technology Solutions for Advisors: https://jedidatabasesolutions.com  Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/

It's well known that careers in wildlife, conservation, and the environment are incredibly competitive. In fact, it's not uncommon for a job to have hundreds of applicants. So you might be surprised to hear that there are jobs that are difficult for employers to fill. Yes, difficult! (insert mind blown emoji here). To be honest, I was surprised too. Today's episode of the Fancy Scientist podcast is inspired by this recent insight, and it came about through a new connection on LinkedIn. Dr. Patrick Raney, the Director of Conservation Programs in the Great Lakes Atlantic region of Ducks Unlimited, and I were messaging each other about conservation jobs, and he mentioned that it had actually been difficult for him to find qualified applicants to fill certain positions Given that so many people are struggling to get jobs, I immediately thought that this was wonderful news and that I needed to have him on the podcast to learn more and help those in need.As the Director of Conservation Programs in the Great Lakes Atlantic region of Ducks Unlimited, Patrick leads wetland restoration and mitigation efforts to restore habitat, protect biodiversity, and ensure that long-term conservation wins for both wildlife and communities. In this episode, you'll learn about Patrick's winding career path to Ducks Unlimited and early interest in conservation. We also talk a lot about what I am now calling “wildlife adjacent careers,” that is, careers that are related to wildlife work, but are not necessarily directly involved in research. This includes fields that you might not think of when it comes to helping wildlife, in this case, careers in engineering that rebuild wetland habitats. Patrick initially trained as a plant biologist and started his journey at the early age of 16 with a summer camp job that he demanded (yes, demanded!). It's a great story that you won't want to miss. In it, he demonstrates his unstoppable attitude towards going after your wildlife career, which is CRITICAL in this field. We also follow his career progression through various roles in environmental science and research.We talk in-depth about Patrick's work at Ducks Unlimited, how he uses different strategies to support wetland species, and especially ducks. You'll learn how Ducks Unlimited approaches wetland conservation, working with stakeholders, and achieving results that are a win-win for wildlife and partners. Throughout the conversation, Patrick offers a lot of valuable advice for early professionals in wildlife careers. We cover the importance of volunteering and building experience, and that a little goes a long way, as well as the value of transferable skills from non-wildlife jobs in environmental careers. Patrick shares advice on the importance of networking and even making proactive job applications. He mentions that he occasionally hires candidates who reach out directly, even if there are no immediate positions available! Given that we met each other over LinkedIn, we also go into the importance of this platform, which I have become obsessed with recently. Ever since I took some training and developed my own LinkedIn for Wildlife Careers Masterclass, I have been using and loving LinkedIn. He talks about how he believes it is a powerful career tool, and uses it for job recruitment offering you tips on how you can use LinkedIn to your advantage.If you're interested in wildlife careers, you're going to get a lot of specific and concrete advice on how to approach your career, as well as creative ideas to think differently than others to set yourself apart. And if you're not on a wildlife career track, you're going to learn about important conservation practices that work and successful wetland restoration efforts.Specifically, we go over:What wildlife adjacent jobs are and how to think about careers in conservation Patrick's work at Ducks Unlimited and what they do as an organization to protect wildlife How Patrick got started in wildlife work and the unexpected turns his career took How you can get started in wildlife, conservation, and environmental careers The importance of volunteering and how to make it work for you, even with limited time and resources How Ducks Unlimited works with various stakeholders to achieve conservation success What jobs are in demand for wildlife careers Creative ways to set yourself apart from others to secure experience, jobs, and more Making LinkedIn an asset to network, connect with others, and share your professional achievements And MORE!Dream of being a wildlife biologist, zoologist, conservation biologist, or ecologist? Ready to turn your love of animals into a thriving career?

Show Notes:Cash is still pouring into money market funds…https://x.com/MikeZaccardi/status/1984585372366750138S&P 500 Index vs. S&P 500 Equal Weight…https://x.com/dailychartbook/status/1985380197089370155A Fed Cut in December?Source: Briefing.com “The Big Picture”https://www.briefing.com/InPlayEq/Commentary/TheBigPicture.htmTech Performance YTDSource: X Post from The Trading Initiative on 11/3https://x.com/howtoswingtrade/status/1985521724297761236Don't Mix Politics And InvestingSource: X Post from Ryan Detrickhttps://x.com/RyanDetrick/status/1985356620168106074#325 Topics:$7.5T in cash sits in money markets — fuel for future gains once rates fall below 3%.Market concentration peaks — S&P 500 cap-weighted index beats equal-weighted by 13%, signaling opportunity in overlooked large-caps.Fed uncertainty grows — odds of a December rate cut drop from 90% to 65% after Powell's comments.AI drives tech rally — strong earnings and spending power gains, but a 20%+ correction looms when AI growth slows.Cautious sentiment lingers — investors hesitate despite market highs, risking missed opportunities.

Eva D'Amato, senior director of luxury lifestyle marketing for Travel Leaders Network, talks with Alan Fine of Insider Travel Report in Opatija, Croatia, during the International Luxury Forum about the network's Luxury Leaders Alliance and its growing community of top-producing advisors. D'Amato explains how Travel Leaders connects luxury advisors with select suppliers through high-touch events, exclusive education and collaboration, while emphasizing authentic travel, partnership and personal connection over checklist tourism. For more information, visit www.travelleadersnetwork.com.  All our Insider Travel Report video interviews are archived and available on our Youtube channel  (youtube.com/insidertravelreport), and as podcasts with the same title on: Spotify, Pandora, Stitcher, PlayerFM, Listen Notes, Podchaser, TuneIn + Alexa, Podbean,  iHeartRadio,  Google, Amazon Music/Audible, Deezer, Podcast Addict, and iTunes Apple Podcasts, which supports Overcast, Pocket Cast, Castro and Castbox.  

Purpose is something we talk about often—but rarely define well. In this episode of The FutureProof Advisor, I explore the difference between goals, values, meaning, and purpose—and why getting clear on those distinctions matters more now than ever. Purpose isn't a box to check or a milestone to hit. It's a narrative in motion—woven from past experiences, present decisions, and a vision of who we're still becoming. And for advisors, guiding clients toward that clarity means first being willing to ask those questions of ourselves.One of the greatest barriers to purpose work is that it feels uncomfortable. It's easier to talk numbers than identity. But when we use money to avoid harder questions, we miss the real opportunity: to help clients connect their wealth to what truly matters to them. I talk about the emotional and cognitive friction that keeps us—and our clients—from engaging with purpose, and how we can create space for meaningful reflection through tools like narrative writing, values clarification, and structured dialogue. These aren't one-time exercises. They're part of an ongoing relationship built on curiosity, not certainty.Helping clients find their purpose isn't about having the right answers. It's about being willing to explore the right questions, over and over again. Advisors who embrace that work—who model it in their own lives—are the ones who will earn the deepest trust. Because in a world where everything feels uncertain, purpose is what makes planning feel personal. And that's where our value becomes irreplaceable.

This episode is FULL of actionable insights. In this special solo episode of Slightly Spiritual, Ali and Cindy sit down to discuss how to connect with spirit in simple ways- don't overcomplicate it- how to tap into your intuition, how to discern what is right for YOU, how to find a spiritual advisor that is authentic, how to tell if a spiritual advisor is faking it, TikTok psychics, deep fake videos, aliens, Spencer Pratt and we discuss the Year of the Horse and what it is bringing for 2026. We also answer some of YOUR questions. Did this episode remind you of a friend? Share it with them! podcasts.apple.com/us/podcast/slig…od/id1542525641 Follow us on Instagram: www.instagram.com/slightlyspiritualpod/ Follow Cindy on Instagram: www.instagram.com/revealingsoul/ Follow Ali on Instagram: www.instagram.com/alitmoresco/

Nefertarei El Bey (Nef-er-tar-ee), a woman whose goal in life is to be integral and live a purpose-filled life. She worked in healthcare for over 23 years. Her past experiences prepared me for a variety of development and leadership. She has worn lots of hats: Insurance Claims Management, Customer Service Management, Medical Billing and Coding, Auditor for Subrogation Cases. The list goes on and on.The commonality of all these roles is people. Everyone wants to be heard and understood. All the roles she found herself in were liaisons between the company and the people. This is how she came to know my true purpose, being a servant to man.She is honored to be a community resource, helping individuals understand Medicare plans and final expenses. She's a licensed agent for health and life in 13 states. She is invested in each client by educating and keeping them informed of updates.Nefertarei is a wife, mother, grandma, sister, auntie, daughter, and most importantly, a child of God. She resides with her husband in Concord, NC. Her ideal weekend is not to have plans and do NOTHING!!! Nevertheless, when you hear her name or think of her now, she is passionate and always grateful to serve.Learn more: http://www.insuredbynef.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-nef-el-bey-with-c-k-healthcare-advisors-founder-of-insured-by-nef-discussing-empowerment-through-opportunity-for-women-everywhere

Today we were delighted to welcome Dr. Anas Alhajji, Managing Partner of Energy Outlook Advisors and Author of the Energy Outlook Advisors Substack (linked here). Dr. Alhajji is a leading expert on global energy markets. He advises governments, companies, financial institutions, and investors on oil and gas outlooks, energy geopolitics, energy security, and the impact of disruptive technologies on supply and demand. Anas previously served as Chief Economist at NGP Energy Capital Management and taught economics at the University of Oklahoma, the Colorado School of Mines, and Ohio Northern University. He holds an M.A. and Ph.D. in Economics, with a specialization in energy economics and policy. We were thrilled to hear his insights on the oil markets and beyond. In our conversation, Anas explains why mainstream oil-market commentary often falls short, how OPEC's role is to match supply and demand, and shares on-the-ground sentiment from ADIPEC including a focus on AI and “energy addition, not transition,” with OPEC's outlook seeing demand rising toward ~123 mmb/d. We discuss structural demand drivers including urbanization, immigration, rising incomes, and AI/data centers plus autonomous vehicles and the equity valuation puzzle amid inventories and spare capacity. Anas details the “oil on the water” debate including why recent headline numbers were overstated and how different factors from Iranian tankers suddenly broadcasting their transponders, Saudi barrels routed to Egypt but for Saudi-owned storage, Brazilian cargoes diverted to China, slower ship speeds, and others all swell oil-at-sea without adding supply. We explore how Aramco and ADNOC are evolving into global energy companies, why Saudi is leaning on renewables and nuclear to free oil for export, what to make of Saudi rigs and capacity, and why demand analysis should prioritize growth rates over absolute levels given definitional differences and the IEA's repeated upward revisions. Anas argues the IEA has persistently underestimated demand (including major multi-year revisions), contrasts IEA growth figures with stronger observed U.S. demand, and notes record U.S. crude without shale growth. We also touch on SPR strategy, why Anas believes the large 2022 release worked, his critique of “circular information” among agencies, banks, and media plus conformity shaping bearish narratives, the limited efficacy of current sanctions regimes, and much more. It was a wide-ranging discussion and we're grateful to Anas for sharing his expertise with us. To start the show, Mike Bradley noted that the U.S. Government shutdown has reached Day 35, tying the previous record set during President Trump's first term. In oil markets, WTI continues to hover around $60/bbl and is still being impacted by 2026 global oil supply concerns. OPEC+ agreed to raise December oil production by 137kbpd (consensus) but will pause oil production increments in January, February, and March. On the broader equity market front, the S&P 500 is down ~1% this week and looks to be losing some trading momentum after a huge recent run. Many of the Big6 AI/Tech stocks reported Q3 results last week, which were generally solid with AI capex spending budgets heading higher as expected. Over the last week or so, these same AI/Tech stocks were down 3-5% (on average) due to both growing valuation concerns and sustainability of this AI rally. These Big Tech stocks make up >35% of the S&P 500 market-cap, and if they sneeze, markets could catch a cold. Aramco reported quarterly results this week and struck a pretty constructive tone with one of its key highlights this quarter being an increase in their natural gas production capacity growth target (by 2030) to 80% up from 60%. On the E&P equity front, gassy E&Ps have been pretty constructive but aren't leaning into gas growth just yet, while oily E&Ps are taking a more cau

Are you looking to truly grow your travel business... you know beyond just the family and friends circle? Then you're going to need to bring in Facebook Ads as a part of your business tool belt. Facebook ads are the fastest way to get in front of people that you didn't even know are looking for you and your expertise. In this exisode, I'm joined by the amazing Zach Spuckler, a Facebook Ads expert where we talk about why if you've tried Facebook Ads in the past they probably didn't work. Too often Travel Advisors try to jump straight to the "BUY FROM ME" without giving a potential audience an opportunity to warm up and get to know you (or trust you). This is the ultimate Facebook Ads 101 podcast for Travel Advisors, and you won't want to miss it! Facebook Ads for Travel Advisors: https://www.travelsalesauthority.com//facebook Cold To Curious: https://artofsellingtravel.com/cold Looking to grow your travel business? Join the Travel Advisor Success Studio today: https://artofsellingtravel.com/tass Join our Facebook community: https://www.facebook.com/groups/travelagentobjections Are you following me on socials? I love doing random Ask Me Anythings - and you'll only see those if you're following me. Come hang out on Instagram at https://www.instagram.com/artofsellingtravel/ Or FB at https://www.facebook.com/artofsellingtravel

Advisors and investors are increasingly seeking ways to navigate the current market environment, which is marked by new highs and ongoing uncertainty. Charles Schwab's James Kostulias shares his insights on the conversations he's having with clients and the industry trends he's seeing. He also discusses the growing interest in direct indexing and tax-efficient investing strategies, as well as the importance of education and engagement in helping investors make informed decisions.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Nefertarei El Bey (Nef-er-tar-ee), a woman whose goal in life is to be integral and live a purpose-filled life. She worked in healthcare for over 23 years. Her past experiences prepared me for a variety of development and leadership. She has worn lots of hats: Insurance Claims Management, Customer Service Management, Medical Billing and Coding, Auditor for Subrogation Cases. The list goes on and on.The commonality of all these roles is people. Everyone wants to be heard and understood. All the roles she found herself in were liaisons between the company and the people. This is how she came to know my true purpose, being a servant to man.She is honored to be a community resource, helping individuals understand Medicare plans and final expenses. She's a licensed agent for health and life in 13 states. She is invested in each client by educating and keeping them informed of updates.Nefertarei is a wife, mother, grandma, sister, auntie, daughter, and most importantly, a child of God. She resides with her husband in Concord, NC. Her ideal weekend is not to have plans and do NOTHING!!! Nevertheless, when you hear her name or think of her now, she is passionate and always grateful to serve.Learn more: http://www.insuredbynef.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-nef-el-bey-with-c-k-healthcare-advisors-founder-of-insured-by-nef-discussing-empowerment-through-opportunity-for-women-everywhere

Shana Whyte, director of sales for the U.S. Virgin Islands, talks with Amanda Carlow of Insider Travel Report during ALGV's Ascend 2025 conference in Cancun about new airlift, hotel developments and travel advisor resources. Whyte highlights additional flights from major U.S. cities, the new Hampton by Hilton in St. Thomas, island renovations and the ongoing webinar series designed to help travel advisors sell the destination. For more information, visit www.visitusvi.com.  All our Insider Travel Report video interviews are archived and available on our Youtube channel  (youtube.com/insidertravelreport), and as podcasts with the same title on: Spotify, Pandora, Stitcher, PlayerFM, Listen Notes, Podchaser, TuneIn + Alexa, Podbean,  iHeartRadio,  Google, Amazon Music/Audible, Deezer, Podcast Addict, and iTunes Apple Podcasts, which supports Overcast, Pocket Cast, Castro and Castbox.  

Day in the Life of MS Lawyer - Join Certified Financial Planners Greg Cooley and Bubba Labas along with Attorney at Law John Windsor on another episode of Advisors' RoundTable!

Converting digital leads into clients remains one of the biggest challenges facing financial advisors today, especially with the likelihood that the same leads are being worked by multiple advisors simultaneously. Discover how modern marketing technology stacks powered by AI and automation can transform your lead conversion process. Join host Cary Chaitoff, Vice President of Marketing at C2P, as he sits down with Robert Sofia, founder and CEO of Snappy Kraken, to explore practical strategies for building a growth stack that scales. Discover strategies for enriching lead data, segmenting your audience, and tracking meaningful metrics. Get practical tactics for modernizing your marketing operations and building sustainable growth.Resources:Marketing platforms referenced: Snappy Kraken, FMG Suite, Salesforce Marketing CloudLead generation platforms referenced: SmartAsset, WiserAdvisor, Zoe Financial, Ramsey SmartVestorData enrichment platform referenced: CatchlightStatistics:68% of digital leads are being worked by multiple advisors simultaneously Conversion rates on digital leads increase by approximately 71% when prospects are contacted within the first five minutes (Source: Robert Sofia, Snappy Kraken CEO, as stated in episode)

Running a financial advisory firm doesn't just take expertise with clients—it also takes leadership, delegation, and the right support systems. In this episode, Gina Cotner, CEO of Athena Executive Services, joins the conversation to share how financial advisors can leverage executive assistants to create more freedom, reduce overwhelm, and lead with intention. What you'll learn in this episode:The difference between a task-based virtual assistant and a strategic executive assistantHow to decide what to delegate and when to hire helpMindset shifts that make delegation more effective and less exhaustingBest practices for onboarding and leading an executive assistantTools and systems to track accountability and ensure high-quality resultsBy the end of this episode, you'll have practical strategies for building the right kind of support, freeing up your time, and creating more efficiency in your advisory business.Learn more about Athena Executive Services HERE!Learn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

You know those trips where everything teeters on the edge and then someone steps in and changes the story? That's the energy here: a cast member who gifts a last-minute Lightning Lane before revealing a tiny hometown connection, an advisor who tracks a looming Italian air traffic strike and coaches clients through a cross-terminal sprint, and a catamaran lesson in motion sickness that turns into a masterclass in what to pack and where to keep your valuables.We bring together a chorus of travel advisors with hard-won tales from Disney to Rome, the Maldives to the Black Forest, Bologna to Istanbul. You'll hear how a simple Instagram connection became a day of Parmesan, balsamic, and prosciutto tastings with local hosts, and why those relationships matter when you want authentic food tours and reliable guides. You'll laugh at the near-miss with a five-foot barracuda, nod along to a suitcase fished from the sea, and get the candid breakdown of a traditional Turkish hamam near Hagia Sophia—steam, marble, exfoliation, and the kind of calm that follows a shock of cold water.Threaded through every story is the real value of a travel advisor: real-time problem solving, local partnerships, itinerary triage, and empathy. Whether you're planning Disney with Lightning Lane strategy, navigating strikes across Europe, booking Mediterranean cruises, or weighing a hamam experience, these insights help you travel smarter and with less stress. We close with practical takeaways, links to each advisor's specialty, and an invitation to choose the right expert for your next adventure.If these stories made you smile or scribble notes, tap follow, share the episode with a friend who needs a smarter trip, and leave a quick review so more travelers can find us. Ready to collect your own small-world moment? Let's go.Please support our show by shopping through Eagle Creek: https://alnk.to/gVNDI6N and/or feel free to donate to:http://paypal.me/TheROAMies And it means the world to us when you subscribe, rate and share our podcast. Alexa and RoryThe ROAMiesFollow us at:http://www.TheROAMies.com@The ROAMies: Facebook and Instagram YouTube and X.

Losing a spouse is one of life's most impactful and difficult experiences. What can make it even harder is that amidst their grief, widowers and widows are often faced with administrative tasks and important financial decisions. In this episode of THE FINANCIAL COMMUTE, Wealth Advisors Sophie Leahy and Chris Galeski discuss these challenges, sharing how grief and financial decisions intersect and how professional guidance can provide clarity during such a life-changing transition.Tune in if you're interested in:Practical steps to take in the first year after lossHow to prepare your finances and estate plan before it's neededCommon mistakes to avoid when emotions are highWays to rebuild confidence and create a new financial planThe value of professional and emotional support during such a transition

Simplifying Investment Risk: Key Insights for Smarter Portfolios Description In this episode of the Keep It Simple Podcast, host Joey Badinger , joined by Adam Morse, Janet Griffith, and Tommy Williams from AssetBuilder, explores the essentials of investment risk. Learn how to assess risk tolerance and capacity, understand key metrics like standard deviation and beta, and discover strategies for building a risk-adjusted portfolio. Whether you're a DIY investor or working with an advisor, this episode simplifies risk management to help you invest smarter. Email podcast@assetbuilder.com or visit assetbuilder.com for more insights. Timestamps & Main Topics [00:00:00] Introduction to Risk in Investing [00:02:00] Assessing Risk Tolerance and Capacity [00:08:00] Tips for Self-Assessing Risk [00:16:00] What Is a Risk-Adjusted Portfolio? [00:20:00] Technical Risk Metrics [00:34:00] Role of Advisors in Risk Management Hashtags #KeepItSimplePodcast #AssetBuilder #JoeyBadinger #InvestmentRisk #RiskTolerance #FinancialPlanning #InvestingTips #PortfolioManagement Keywords Investment risk, risk tolerance, risk capacity, risk-adjusted portfolio, standard deviation, beta, value at risk, max drawdown, correlation coefficient, bond duration, credit risk, diversification, fiduciary advisor, efficient frontier, AssetBuilder, financial education, Joey Badinger , Adam Morse, Janet Griffith, Tommy Williams, Plano Texas financial advisor. Disclaimer: This podcast is for educational purposes only and is not an offer, solicitation, recommendation, or endorsement of any security, product, or service. Visit assetbuilder.com for more information.

Are you ready to transform your travel experiences and maybe even your career through the world of travel?In this episode of the Transform with Travel podcast, I sit down with Henley Vasquez, the CEO and co-founder of Fora. This conversation illuminated the evolving landscape of the travel industry, the rise of travel advisors, and the growing interest in wellness travel. We got into the changes in the travel industry, particularly post-pandemic. The demand for travel advisors has surged as travelers seek guidance through the more complex travel landscape. The conversation highlighted the growing need for flexibility and the ability for last-minute planning, as people are still wary of committing to travel plans far in advance.Fora aims to revolutionize the travel advising industry by offering a modern platform that supports advisors with training, efficient booking tools, and community connection. This approach not only helps seasoned advisors but also makes it easier for newcomers to enter the field and succeed.Henley shared some exciting travel trends, including a move towards exploring less touristy areas in popular destinations like Italy and the rise of far-flung destinations such as Bhutan. She also noted the continued popularity of domestic travel within the United States, with destinations like the American West offering unique experiences.We talk about:00:00 Intro04:56 The Evolution of the Travel Industry09:17 Introducing Fora: A Modern Travel Agency16:25 The Power of Community in Travel Advising20:12 Becoming a Standout Travel Advisor22:41 The Power of Word of Mouth in Travel24:02 The Rise of Wellness Travel28:05 Emerging Travel Trends and Destinations33:17 The Value of Local and Simple Travel42:16 Final Thoughts and Becoming a Travel AdvisorResources & Links:Ready for your next adventure? Click here to view our Trip Planning Packages & 2025 Pricing: https://transform-with-travel.captivate.fm/packages Connect with Henley https://www.foratravel.com/ https://www.instagram.com/hellofora/ https://www.instagram.com/henleyv/ Connect with meFollow the Podcast on IG: http://www.instagram.com/transformwithtravel Follow Kelly Tolliday on IG: http://www.instagram.com/kelly.tolliday Transform With Travel Website: https://www.transformwithtravel.co

Jim Tedesco, vice president of sales for Apple Leisure Group Vacations (ALGV, talks with Alan Fine of Insider Travel Report during the Ascend 2025 conference in Cancun last month about new programs and incentives designed to help travel advisors grow their business. Tedesco highlights the relaunch of Blue Sky Tours, the expanded Lux portfolio with concierge support, group automation tools, and advisor rewards programs like Get Paid to Upgrade, Set Your Own Commission, and Waves points. For more information, visit www.algvacations.com.  All our Insider Travel Report video interviews are archived and available on our Youtube channel  (youtube.com/insidertravelreport), and as podcasts with the same title on: Spotify, Pandora, Stitcher, PlayerFM, Listen Notes, Podchaser, TuneIn + Alexa, Podbean,  iHeartRadio,  Google, Amazon Music/Audible, Deezer, Podcast Addict, and iTunes Apple Podcasts, which supports Overcast, Pocket Cast, Castro and Castbox.         

End Of The Year Planning - Join Certified Financial Planners Greg Cooley and Bubba Labas on another episode of Advisors' RoundTable!

In this episode of the Think MHK Podcast, 20 Under 40 honoree Courtney Ellis shares her journey from growing up in Kansas City to building a fulfilling life and career as a CPA at Sink Gordon and Accountants & Advisors in Manhattan, Kansas. Courtney discusses her unexpected return to the community, the firm's recent office relocation, and the benefits of Manhattan's size, diversity, and tight-knit atmosphere for raising her family. She reflects on her community involvement—from founding Girls on the Run to serving on the United Way board—while offering advice to young professionals about the value of humility and asking for help. Listeners also get a glimpse into her personal life, from family traditions and travel memories to her love of coffee and Ben Folds concerts.

Nefertarei El Bey (Nef-er-tar-ee), a woman whose goal in life is to be integral and live a purpose-filled life. She worked in healthcare for over 23 years. Her past experiences prepared me for a variety of development and leadership. She has worn lots of hats: Insurance Claims Management, Customer Service Management, Medical Billing and Coding, Auditor for Subrogation Cases. The list goes on and on.The commonality of all these roles is people. Everyone wants to be heard and understood. All the roles she found herself in were liaisons between the company and the people. This is how she came to know my true purpose, being a servant to man.She is honored to be a community resource, helping individuals understand Medicare plans and final expenses. She's a licensed agent for health and life in 13 states. She is invested in each client by educating and keeping them informed of updates.Nefertarei is a wife, mother, grandma, sister, auntie, daughter, and most importantly, a child of God. She resides with her husband in Concord, NC. Her ideal weekend is not to have plans and do NOTHING!!! Nevertheless, when you hear her name or think of her now, she is passionate and always grateful to serve.Learn more: http://www.insuredbynef.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-nef-el-bey-with-c-k-healthcare-advisors-founder-of-insured-by-nef-discussing-asset-management-for-the-working-class

Gregorio Uglioni sits down with senior customer experience manager Patty Soltis to explore the intricate dynamics of convincing the C-suite to embrace customer experience initiatives. Patty shares invaluable insights on aligning CX efforts with business strategies, understanding executive priorities, and demonstrating the true value of CX to drive profitability. This episode is a must-listen for anyone looking to bridge the gap between customer experience and executive buy-in. About Patty Soltis Over three decades of experience, Patty has been a practitioner, consultant, and analyst in CX. She led dysfunctional organizations through change management to profitability. She found significant financial benefits with more profitable sales and lower expenses using the CX discipline. Using customer-centric business strategies, Patty created customer centric cultures, advised organizations to adopt CX, and analyzed CX best practices. Patty started her career listening to the voice of the employee, learning more about the customer elevating customer experiences. Patty serves as a senior customer experience manager at Upwork. Patty was a principal analyst – CX for eMarketer/Insider Intelligence and a patient experience consultant for Moffitt Cancer Center. She was a consultant for several years working with both small and enterprise organizations. Patty worked in retail for 27 years. She was a VP/GM for Neiman Marcus, Marshall Fields, and Lord & Taylor. Patty is a CCXP, CX-PRO and was named a CX Influencer by CX Network in 2024 and CX Scoop in 2023. She is an active member of the CXPA where she led the writing of the Book of Knowledge, launched the FL CXPA network, serves as a leader on the FL network and the Regional Council. Patty is a member of Horizon CX Board of Advisors. Resources  Upwork: https://www.upwork.com/ Please, hit the follow button and leave your feedback: Apple Podcast: https://www.cxgoalkeeper.com/apple Spotify: https://www.cxgoalkeeper.com/spotify Follow Gregorio Uglioni on Linkedin: https://www.linkedin.com/in/gregorio-uglioni/ Gregorio Uglioni is a seasoned transformation leader with over 15 years of experience shaping business and digital change, consistently delivering service excellence and measurable impact. As an Associate Partner at Forward, he is recognized for his strategic vision, operational expertise, and ability to drive sustainable growth. A respected keynote speaker and host of the well-known global podcast Business Transformation Pitch with the CX Goalkeeper, Gregorio energizes and inspires organizations worldwide with his customer-centric approach to innovation.

Nefertarei El Bey (Nef-er-tar-ee), a woman whose goal in life is to be integral and live a purpose-filled life. She worked in healthcare for over 23 years. Her past experiences prepared me for a variety of development and leadership. She has worn lots of hats: Insurance Claims Management, Customer Service Management, Medical Billing and Coding, Auditor for Subrogation Cases. The list goes on and on.The commonality of all these roles is people. Everyone wants to be heard and understood. All the roles she found herself in were liaisons between the company and the people. This is how she came to know my true purpose, being a servant to man.She is honored to be a community resource, helping individuals understand Medicare plans and final expenses. She's a licensed agent for health and life in 13 states. She is invested in each client by educating and keeping them informed of updates.Nefertarei is a wife, mother, grandma, sister, auntie, daughter, and most importantly, a child of God. She resides with her husband in Concord, NC. Her ideal weekend is not to have plans and do NOTHING!!! Nevertheless, when you hear her name or think of her now, she is passionate and always grateful to serve.Learn more: http://www.insuredbynef.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-nef-el-bey-with-c-k-healthcare-advisors-founder-of-insured-by-nef-discussing-asset-management-for-the-working-class

This week we’re talking about a story that came to be after unveiling of Regent Seven Seas Cruises’ upcoming Skyview Regent Suite. It's a veritable mansion-at-sea with a private gym, sauna, bar and dining room that seats 12. And what's more surprising than the price? The fact that it was booked within one minute on 10 of 13 itineraries. Or perhaps that's not a surprise. Advisors tell us that there are countdowns to sales launches and wait lists for the newest crop of ultra-palatial, ultra big, ultra luxurious cruise ship suites. This week, as CruiseWorld kicks off in Fort Lauderdale, we go all-in on cruise, and with luxury advisor Carlos Edery and cruise editor Teri West, we look at what these top suites look like and what amenities they come with. Who are the customers and what do they want in a vacation? Is there a challenge of keeping up with guest expectations? And, of course, what might come next. This episode was recorded Oct. 27 and has been edited for length and clarity. Episode sponsor: This episode is sponsored by Windstar Cruises https://www.windstarcruises.com Related links: Focus on Cruise cover story: The megasuite is bigger than ever https://www.travelweekly.com/Cruise-Travel/The-cruise-megasuite-is-bigger-than-ever Regent Seven Seas Prestige suite will reach for new levels of opulence https://www.travelweekly.com/Cruise-Travel/Skyview-Regent-Suite-unveiled-for-Seven-Seas-Prestige From the archives: A look at luxury accommodations at sea (August 2005) https://www.travelweekly.com/Cruise-Travel/A-look-at-luxury-accommodations Luxury Cruise Connections https://luxurycruiseconnections.com/ CruiseWorld: https://www.cruiseworldshow.com See omnystudio.com/listener for privacy information.

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

Across the conversation, the panel digs into:• What IBex (Institute for Business Owner Excellence) and the Masterclass actually teach - and how “learning the language” opens doors with business owners and COIs.• Why being early matters: profiling, asking better questions, and hosting local business-owner events that generate real pipeline.• Multiple paths beyond a sale: capital-markets needs, growth capital, roll-ups, second bites, and direct private deals alongside traditional planning.• Culture and collaboration: demystifying the process, quarterbacking expert teams, and the peer-to-peer sharing that's accelerating growth across practices.Key Chapters:00:00 – Intro  03:10 – Ken Grider introduces the advisor lineup and program structure05:17 – Lisa Detanna: 5.5 B AUM and 70% business-owner clients10:14 – Training through IBex (Institute for Business Owner Excellence)12:31 – How Raymond James bridges investment banking and planning14:11 – Addressing big-bank perception vs. Raymond James capabilities14:28 – Ryan Bass: learning the language of business-owner conversations18:27 – Will Deupree: early-stage conversations that create loyalty25:13 – Cody Hilbun: building an 18-person IB-focused advisory team30:11 – Mike Tutcher: growth through Masterclass and golf-course networking38:17 – Ken Grider: going where competition isn't39:29 – Zac Hersman: Americas Group and cross-border opportunities45:06 – Lisa Detanna: culture, client-centric service, and firm leadership50:16 – Inside IBex & Masterclass: demystifying the process01:02:14 – Hosting local business-owner events and strategy summits01:12:18 – Educating business owners creates lasting relationships01:16:08 – Final thoughts: culture, vision, and paying it forwardIf you work with business owners (or want to), this discussion offers concrete examples, candid lessons learned, and specific approaches you can adapt to your market - without promising outcomes and while keeping client interests front and center.Resources:Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.comJEDI Database Solutions | Data Intelligence for Advisors: https://jedidatabasesolutions.comListen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners 

Mike Contopoulos rejoins Leslie Falconio for a discussion around year-end asset class performance expectations, the implications of a lower rate environment to fixed income, positioning views & more. Featuring Mike Contopoulos, Deputy Chief Investment Officer, & Director of Fixed Income for Richard Bernstein Advisors, as well as Leslie Falconio, Head of Taxable Fixed Income Strategy Americas with the UBS Chief Investment Office. Host: Daniel Cassidy

Key Chapters0:00 –From concept to execution of Raymond James' advisor-banker model3:45 – The IBex program: turning education into action8:20 – The Masterclass series and year-long learning model13:00 – Building confidence and credibility with business owners18:40 – How advisors are rebranding and hosting Business Owner Summits24:10 – Case study: transforming revenue through investment banking partnerships29:30 – Why every advisor should rethink their approach to business-owner clients35:40 – Final takeaways: growth, fulfillment, and opportunity for advisorsResources:Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.comJEDI Database Solutions | Data Intelligence for Advisors: https://jedidatabasesolutions.comConnect with Ken Grider: Ken.Grider@RaymondJames.com  Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners