Podcasts about Advisory

Happy National Coconut Day!Episode 429 is absolutely STUFFED to the gills... College Football! Week 1 is upon us and week 0 was a great tune up to get us all ready. We have got Top 5 games of the week, CFB Pick em, Conference predictions, CFP final bracket, Upset Advisory, Picks of the week, and more NFL to CFB return drama. New segment alert: season on the line, which CFB teams can't lose this weekend. Plus, some NFL news as NFL preseason is wrapped up.As for golf, the presidents cup was announced.We have got all the segments: Salute Your Sports/Headlines and How Dare You's. Also, it would not be a show without the Dad Joke and a new season for our inter-squad DraftKings DFS WOAT-A-MAKER challenge. Look alive, folks!Follow us on:Support NC High Country Recovery Belowhttps://www.ymcaavery.com/hurricane-helene-updates/Twitter - https://www.twitter.com/MillyGoatsInstagram - https://www.instagram.com/TheMillyGoatsYouTube - https://www.youtube.com/@TheMillyGoatsTwitch - https://www.twitch.tv/TheMillyGoatsPodcastTikTok - https://www.tiktok.com/@TheMillyGoatsApple Pod - https://rb.gy/0meu1Spotify Pod - https://t.ly/ZUfObWeb - https://themillygoats.godaddysites.com/

A lot of questionable advice about 401(k)s has been making the rounds lately, and Paul and Evan break down where some of it goes wrong. They explain how your workplace retirement plan is an important part of your overall strategy — and why blindly following the latest Roth conversion craze can create problems that aren't easy to see. Listen along as they explain how confident investors coordinate their 401(k)s with a broader plan, rather than ignoring it or trying to make it do all the work.    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.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

Key account management (KAM) is one of the most impactful strategies for driving sustainable business growth, particularly in professional services and technology sectors. In this episode of the show, I welcome bestselling author and LinkedIn Top Sales Voice, Amy Franko, to discuss best practices and common pitfalls in key account management. We explore how sales professionals can strategically differentiate key accounts, build robust relationships, and design actionable plans that propel long-term organizational success.   Outline of This Episode  00:00 Building mutual value with clients 05:27 Account strategy versus selling tactics 08:33 Importance of stakeholder mapping 11:43 Choosing and using CRM tools 14:15 Emphasizing simplicity and accountability 16:22 Advisory intelligence and client focus 19:31 Strategic account planning at trade show   Defining Your Key Accounts Limiting the definition of a key account to revenue figures is short-sighted, your key accounts should be identified by a blend of factors such as strategic fit with your business, alignment to your ideal client profile (ICP), influence in the market, growth potential, and—crucially—mutual value creation. This last component is often missed, it's not enough to deliver value to the client; the engagement should have reciprocal benefits that strengthen the partnership. A frequent organizational misstep is treating all customers as key accounts, which Amy warns only dilutes the effectiveness of key account management and adds unnecessary complexity. Focusing your energy and resources on accounts that are genuinely key to your organization drives profound impact.   Strategic Upleveling The move from an individual seller to a strategic account manager demands a fundamental shift in approach. While sales motions and traditional deal-closing actions retain importance, KAMs have to elevate their focus to see the bigger picture — developing multi-faceted relationships, engaging in more sophisticated conversations, and aligning more deeply with the client's broader business objectives.    Building a Key Account Strategy Anchored in the ICP An actionable key account strategy is predicated on having a well-defined ideal client profile. Organizations should first understand what their best customers look like before aligning accounts to that blueprint. This strategic groundwork enables clarity in which accounts warrant intensive resource allocation and which do not. Only after this strategic foundation is laid should tactical sales and marketing motions come into play. Integrating both functions ensures your organization is not only selling effectively but also shaping market perception and continually nurturing the account for long-term partnership.   Stakeholder Mapping is the Linchpin of Success Knowledge of stakeholders across multiple layers and departments within a client organization is non-negotiable. You need to be mapping who the decision makers, influencers, and advocates you interact with are. Advocates, or champions, are vital because they support your initiatives internally, provide access and intelligence, and help de-risk account dependency by ensuring that you're not reliant on a single relationship. Sometimes, your team's understanding of a client can be limited by assumptions or blind spots. Bringing in external perspectives—whether from a coach or a fresh pair of eyes—can help uncover missed relationships and figure out where the real decision-making power lies.   Resources & People Mentioned  Myke Macapinlac on LinkedIn  The Modern Seller by Amy Franko    Connect with Amy Franko Amy Franko  Amy Franko on X    Connect With Paul Watts  LinkedIn Twitter    Subscribe to SALES REINVENTED Audio Production and Show notes by PODCAST FAST TRACK https://www.podcastfasttrack.com  

On this episode of Fast Casual Nation, hosts Paul Barron and Cherryh Cansler sit down with Daniel Ceniceros, Founder & CEO of Connect Media, to unpack how commercial real estate is reshaping the restaurant industry. Daniel breaks down why "treasure hunting" retailers like Ross and TJ Maxx are becoming smart anchor tenants, how secondary markets are opening new opportunities for fast casual growth, why shrinking restaurant footprints are the new normal, and why operators no longer need to sign themselves into decade-long leases. The conversation also dives into what's really happening with distressed office and retail properties, the future of vacant malls and big-box space, and what it takes to win a coveted location against bigger national brands.#FastCasualNation #CommercialRealEstate #RestaurantIndustryBecome a supporter of this podcast: https://www.spreaker.com/podcast/fast-casual-nation--3598490/support.Get Your Podcast Now! Are you a hospitality or restaurant industry leader looking to amplify your voice and establish yourself as a thought leader? Look no further than SavorFM, the premier podcast platform designed exclusively for hospitality visionaries like you. Take the next step in your industry leadership journey – visit https://www.savor.fm/Capital & Advisory: Are you a fast-casual restaurant startup or a technology innovator in the food service industry? Don't miss out on the opportunity to tap into decades of expertise. Reach out to Savor Capital & Advisory now to explore how their seasoned professionals can propel your business forward. Discover if you're eligible to leverage our unparalleled knowledge in food service branding and technology and take your venture to new heights.Don't wait – amplify your voice or supercharge your startup's growth today with Savor's ecosystem of industry-leading platforms and advisory services. Visit https://www.savor.fm/capital-advisory

For years, the default rule of global logistics was simple: when a shipping lane gets blocked, you reroute. But with the Strait of Hormuz functionally closed, the Red Sea facing persistent conflict, and drought constraining the Panama Canal, the “just reroute it” playbook is officially broken. This week, Geraint John (VP, Research & Advisory) sits down with Oliver Sawbridge (Senior Director, Research & Advisory) to unpack why temporary workarounds and inventory buffers are no longer enough, breaking down how compounding climate and geopolitical risks at key global chokepoints are forcing leading operations teams toward regionalized network design for true resilience.

Most accounting firm owners assume the big, PE-backed players have an unbeatable head start on AI. In this state-of-the-industry conversation, Joey Kinney, Virtual CFO at Anders, pinch-hits for Tom Wadelton and sits down with Adam Hale, Partner at Anders, for an unscripted look at where AI is actually changing accounting advisory work right now. Fresh off a live Basis AI conference with the top 100 firms in the room, Adam explains why smaller, faster-moving firms may have more room to close the gap than anyone expects. From there, the conversation covers what happens when clients start showing up with their own AI-built financial analysis, why tracking 50 KPIs is the same as tracking none, how the COO role is quietly folding into the CFO seat, and why Adam believes the traditional CPA firm staffing pyramid is about to flip into a diamond. They also get into an honest conversation about trust: what it actually takes for a young, AI-fluent advisor to be believed in the room. If you're trying to figure out how AI changes your firm's pricing, staffing, and advisory model over the next year, this episode is a working session, not a keynote.  ▶️ Why Smaller CPA Firms Have the AI Advantage with Joey Kinney and Adam Hale.Episode resources: ● Website: https://anderscpa.com/ ● If you have questions or would like to be a guest on the show, email us at mcpasuccessshow@anderscpa.com ● Check out the Virtual CFO Playbook Course: https://anderscpa.com/virtual-cfo-services/vcfo-playbook/Quotes:Adam Hale: "One of the biggest takeaways is they're not very far ahead either, in this entire space. Smaller firms really have an opportunity here to make up a lot of ground."Joey Kinney: "If you're tracking 50 KPIs, you're tracking no KPIs, because you don't have any KPIs at 50."About the HostsJoey Kinney, CPA, pinch-hits as host for this episode. He's a Virtual CFO at Anders. Coming from an accounting family, Joey began learning about basic accounting principles from his parents as a teen. From there, he continued to build his experience by taking on a variety of roles in the accounting and financial industry. Joey enjoys helping business owners navigate the ever-changing business landscape. He loves being a trusted advisor who can help his clients achieve their personal and professional goals.LinkedIn: https://www.linkedin.com/in/joey-kinney-cpa-60658188/ Adam Hale, CPA, Partner and Managing Director of Advisory at Anders, is dedicated to transforming traditional accounting practices through innovative Virtual CFO services. With over 20 years in public accounting, Adam has been instrumental in the ideation and development of CPA training courses.Website: https://anderscpa.com/about/your-anders-team/#adam-haleLinkedIn: https://www.linkedin.com/in/adamhalecpa/Tom Wadelton is out this episode, back next time.About the ShowThe Modern CPA Success Show is the go-to podcast for accounting firm owners eager to enhance profitability and master Virtual CFO services. This podcast leverages combined expertise in delivering top-tier Virtual CFO services across North America.Website: https://www.buzzsprout.com/2458888Facebook: https://www.facebook.com/AndersCPALinkedIn: https://www.linkedin.com/company/anders-cpa/Instagram: https://www.instagram.com/anderscpa/YouTube: https://www.youtube.com/@andersvcfo#VirtualCFO #AccountingAI #CPAFirmGrowth

Retiring abroad sounds cheaper on paper. The real question is whether it creates the life you actually want.In this episode, Ari responds to a listener considering retiring in Thailand within the next few years. The appeal is obvious. Lower healthcare costs, lower living expenses, and the possibility of stretching retirement dollars much further than they would in the United States.But the conversation quickly shifts beyond the math. Ari walks through the tradeoffs people often underestimate when considering retirement abroad. Community, family, healthcare quality, lifestyle expectations, and whether saving money alone is enough reason to move somewhere permanently.The financial side matters too. Rental income, healthcare costs, withdrawal strategy, and cost of living all play a role in determining whether the plan is realistic. But even a perfect spreadsheet cannot answer the deeper question of where you actually want to build your life.Because retirement planning is not just about lowering expenses. It is about creating a life you are excited to wake up to every day.--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA  is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Download “How To Find Ultra High Net Worth Clients" from https://financialadvisorsworkshop.com/ Peggy Martin is a financial advisor based in the San Francisco Bay Area (Morgan Hill, CA) with over 35 years of industry experience. Partnering with her husband Craig, Peggy specializes in wealth planning, legacy strategies, and holistic financial guidance, taking a deeply compassionate, high-touch approach to working with families, seniors, widows, and widowers. Backed by advanced industry designations—including a ChFC®, Master's in Financial Services, and Charter Advisor for Senior Living—Peggy combines analytical precision with empathetic hand-holding, building a thriving, referral-driven practice rooted in genuine community involvement and relationship-building rather than cold marketing.In this episode, Brian and Peggy discuss:Transitioning from Insurance to AUM: Moving away from transactional sales toward full-service financial planning that stabilizes client emotions during volatile markets.The Power of High-Touch Client Care: How face-to-face reassurance saved a client from panic-selling at the bottom of the market.Organic Client Growth Through Community Work: Building a high-net-worth client base naturally through non-profit leadership, local volunteerism, and authentic connections.Escaping the Solo Advisor Trap: Reclaiming time and bandwidth by leveraging back-office support for trading, compliance, and administration while maintaining full operational autonomy.Website: http://www.healthywealthyfamilies.net/ https://fourstarwealth.com/staff/peggy-martin LinkedIn: https://www.linkedin.com/in/peggy-martin-msfs-chfc-clu-casl-190059a/ To see short videos of all our best FA Business Growing tips follow us on: Instagram: https://www.instagram.com/FinancialAdvisorsWorkshop  TikTok: https://www.tiktok.com/@faworkshop  YouTube: https://www.youtube.com/@financialadvisorsworkshop Facebook: https://www.facebook.com/FinancialAdvisorsWorkshop  Twitter: https://twitter.com/FAsWorkshop  iTunes: https://podcasts.apple.com/us/podcast/financial-advisors-workshop-with-brian-kasal/id1614768408  Spotify: https://open.spotify.com/show/4OB78889GRx2FHjvWtsyeE  Website: https://www.financialadvisorsworkshop.com/  Work with FourStar: https://financialadvisorsworkshop.com/Advisors  DISCLAIMER: This content is provided by FourStar Wealth Advisors for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance. FourStar is an SEC registered investment advisor that maintains a principal business in the state of Illinois. The firm may only transact business in states in which it has filed or qualifies for a corresponding exemption from such requirements. For information about FourStar's registration status and business operations please consult the firm's form ADV disclosure documents, the most recent versions of which are available on the SEC investment advisory public disclosure website at www.adviserinfo.sec.gov

Today, Paul brings an article warning investors not to get stuck with a 401(k) that's “too big” without a tax plan. Paul rebuts the claim that most people don't struggle with having saved too much in their 401(k), but agrees that putting all your eggs in one tax basket can be a problem when you haven't thought through what your current tax bracket is and what it may be when you retire. Listen along as the Investor Coach explains tax diversification and why having a combination of 401(k), Roth IRAs, and non-qualified accounts can give you more options in a future where no one knows what the tax laws will be.      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.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

Ep 145: Leadership Without Burnout with Janelle Alba Garner of Tanglaw AdvisoryPart of noseyAF's 31 Days of Black Business series

Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/6b74ff=======================Andrew and Ellen are 62, sitting on 2 million dollars, and ready to walk away from work today. Then we ran one more scenario, and it changed the entire conversation.It's not really about how much you have. It's about what five more years of work actually buys you, and the number surprised even them.This video is that exact case study, numbers and all.We're going to cover:- why a 90 percent confidence retirement plan still wasn't the end of the conversation- the exact dollar amount that extra million dollars translates to every single month- the two hidden costs of retiring early that have nothing to do with your portfolio balance- why chasing the next million never actually satisfies, and where it stops- the three questions I'd ask anyone caught between more money and more time- a bonus strategy that only opens up once you actually retire--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️Get Started Here.Join the new Root Collective HERE!

We don't know when a company will come out with a piece of technology that will change the whole business landscape. Today, Paul talks about how technological innovations will continue to surprise and cause business to flourish. Listen along to hear why diversification is the key to capturing these gains, not betting on the individual companies that may have looked promising but may ultimately lose out to their competitors.   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.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

$50 trillion is about to change hands in what's being called the greatest wealth transfer in history. In the first episode of our three-part Advisory Practice Blueprint series, Cory Swain, president of AE Labs, flips the script and interviews Cody Foster, co-founder of Advisors Excel. Together, they'll discuss why the next decade may hand advisors more opportunity than ever before. In this episode, you'll learn about: ·      The $50 trillion wealth transfer now underway, and how to turn this opportunity into lasting growth ·      How one advisor grew from $50M to $350M in annual new assets after a single mindset shift ·      Why independence will be a financial advisor's superpower in the coming years Grab a copy of "The Compound Effect" by Darren Hardy and start stacking wins.A practical read for advisors who want big results from small, repeatable habits. This book breaks down how consistent daily choices drive lasting growth in your practice and your life. Get "The Advisory Practice Blueprint" and start building with purpose.Building a practice that's ready for what's ahead doesn't happen by accident — it takes a plan. "The Advisory Practice Blueprint" gives advisors a clear framework for positioning their business to capture the opportunity in front of them. Want to talk through where your business can go over the next decade?Book a call with Advisors Excel at sales@advisorsexcel.com.

Paul gives an update on markets in the third quarter of 2026 and explains why this month has been marked by bond sell-offs that have affected interest rates, pushed stock prices up, and raised inflation concerns. Listen along to hear Paul explain how these markets work, what these changes may mean for investors, and why confident investors know enough not to act impulsively.    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.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

In this episode of Private Markets 360°, we welcome Rachel Barton, Global Lead for CEO Advisory and Private Equity at Accenture. Rachel shares insights from advising private equity firms across the full deal lifecycle and explains what's fundamentally different in private equity today. We discuss how the definition of having an edge has shifted, with firms now relying on advanced analytics, AI, and ecosystem collaboration to stay competitive as traditional sources of value become less reliable. Credits:  Host/Author: Chris Sparenberg and Jocelyn Lewis Guests: Rachel Barton Producer: Georgina Lee Published With Assistance From: Feranmi Adeoshun, Kimberly Olvany www.spglobal.com www.spglobal.com/market-intelligence

Today, Paul shares a common trap most investors face when investing at work: not doing the initial legwork, trusting your employer to offer good 401(k) options, and making regular contributions to an investment that underperforms your other options. Listen along to hear why Paul chooses to help investors review their 401(k) options and why it's important to find and select the best options available through your employer.    Later in the episode, Paul shares a video about the “bucket strategy” for your portfolio and why it's a sales tactic that takes advantage of your desire for diversification, not an academic approach to income in retirement.   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.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Rob Williams, chief investment strategist at Sage Advisory Services, says that investors are seeing cracks in this seemingly unbreakable market trend, noting that the capital expenditures trends that have been driving the market can't continue forever, but notes that "it's hard to leave the party when the party could go on for another year or two," so he is calling for more sensibly tackling risk rather than trying to beat a downturn by doing a full portfolio overhaul. Williams notes that conditions are suggesting there will be more volatility and sideways bumpt action, but says "it's hard to fight a market where you're pumping close to a trillion dollars in [capital expenditures] into the system and it's trickling across the economy and you have double-digit earnings," so the rally can continue even if it gets more volatility and returns become more muted. Lawrence McMillan, president of McMillan Analysis, talks technical analysis and says the number to be watching for is 7,600 on the Standard & Poor's 500, which is both support and the high prior to the latest run-up. Typically, McMillan says, market volatility picks up with the arrival of the fall, and he says if that happens and the market drops below 7,600, it could lead "to a full-blown correction of at least 10 percent or so." But lacking that pick-up in volume and volatility, he sees any decline as a garden-variety buying opportunity. Macmillan also notes that from a technical standpoint, the market's charts are not reminding him of bubbles and problematic times of the past, but he adds that "When people are talking about the bubble, it's probably not going to happen." Plus, Chuck talks with David Cowen, president and chief executive officer of the Museum of American Finance — the nation's only independent museum dedicated to preserving, exhibiting and teaching American finance and financial history — which opened in Boston at the start of July, and which Chuck toured recently. Cowen discusses more than the museum, its mission and how they have made a museum that won't bore all of the people who have no interest in money, to discuss how so much of the financial history of America remains relevant today, even in the face of a $40 trillion national debt.

Dave's Hot Chicken CMO Brandon Rhoten joins Fast Casual Nation to break down how the fast-growing chicken chain uses AI on the back end for customer data and financial analysis while deliberately keeping it out of creative and content production. Rhoten, who previously helped shape Wendy's irreverent social media era, discusses why Gen Z brand loyalty is disappearing, how Dave's uses its seven spice levels to create personalization within a small menu, and why he believes brands that let AI make decisions instead of humans will struggle as the crowded chicken category faces a shakeout.This episode is sponsored by Mountaire®It's time to get cooking with premium chicken from Mountaire® Black Label. Popular primal cuts with real profit potential, like the new hand-selected premium chicken tenderloins and convenient flat pack party wings. Learn more at: www.mountaireblacklabel.com#FastCasualNation #DavesHotChicken #RestaurantMarketingBecome a supporter of this podcast: https://www.spreaker.com/podcast/fast-casual-nation--3598490/support.Get Your Podcast Now! Are you a hospitality or restaurant industry leader looking to amplify your voice and establish yourself as a thought leader? Look no further than SavorFM, the premier podcast platform designed exclusively for hospitality visionaries like you. Take the next step in your industry leadership journey – visit https://www.savor.fm/Capital & Advisory: Are you a fast-casual restaurant startup or a technology innovator in the food service industry? Don't miss out on the opportunity to tap into decades of expertise. Reach out to Savor Capital & Advisory now to explore how their seasoned professionals can propel your business forward. Discover if you're eligible to leverage our unparalleled knowledge in food service branding and technology and take your venture to new heights.Don't wait – amplify your voice or supercharge your startup's growth today with Savor's ecosystem of industry-leading platforms and advisory services. Visit https://www.savor.fm/capital-advisory

With AI evolving month-on-month and boardrooms demanding instant tech strategies, the old binary choice of “build versus buy” is starting to look like a trap. On this episode of The Zero100 Podcast, Justin Gillebo (Senior Director, Research & Advisory) sits down with Kelly Coutinho (VP, Research & Advisory) and Rahul George (Director, Data Products) to unpack why enterprise tech strategy has shifted into a new triad: build, buy, or partner. Tune in as they explore why building has become cheap while ownership hasn't, how to evaluate when a “bolt-on” AI solution makes sense, and why your ultimate goal shouldn't be predicting 2029, but building the operational agility to adapt when it arrives.

In this episode of Widow, Wisdom and Wealth™, Donna welcomes mortgage expert and neighbor Gary Coggin for a compassionate, practical conversation about one of the most overwhelming parts of widowhood: what to do about the mortgage and home after a spouse dies.With more than 40 years in mortgage banking, Gary explains how widows, widowers, and families can better understand their options, reduce panic, and make informed decisions with the help of trusted professionals. What you'll learn in this episode What happens to a mortgage when a spouse passes away Why you usually don't need to panic if both spouses were on the mortgage How to contact the mortgage servicer and when to call an attorney How mortgage professionals can help if payments become difficult after a life change When a reverse mortgage may be a helpful option How reverse mortgages can support aging in place Why family conversations matter when heirs may be impacted How income sources like Social Security, pensions, and annuities can affect mortgage qualification Why mindset and comfort level matter just as much as numbers Key takeaways 1. Don't panic after a spouse's death. Gary explains that losing a spouse does not automatically trigger a mortgage call. If payments continue, homeowners are generally not in danger of immediate action from the lender. 2. Reach out to trusted professionals early. Donna and Gary stress the importance of contacting your attorney, mortgage servicer, financial advisor, and a mortgage professional you trust. A coordinated approach can help reduce confusion and stress. 3. Reverse mortgages are often misunderstoodGary breaks down how reverse mortgages actually work, including how they can help older homeowners tap into equity, eliminate monthly mortgage payments, and remain in their homes. 4. Family communication is essentialIf heirs may be affected, it helps to include them in the conversation early. Gary explains that understanding everyone's concerns can make the process smoother and less emotional. 5. Wealth is more than being debt-freeDonna and Gary discuss how real estate can be a powerful part of a long-term financial strategy, and how money decisions should support both security and quality of life. A memorable example from the episode Gary shares a real-world example of helping a homeowner qualify for a mortgage by working with her annuity and educating the underwriter on how those funds could support her situation. The story shows how the right guidance can uncover options that might otherwise be overlooked. Listener action steps If you're facing widowhood, a home transition, or questions about your mortgage: Don't panic. Contact the professionals you know, like, and trust. Ask questions about your mortgage, income sources, and home equity. Explore whether your current home, a refinance, or a reverse mortgage may fit your long-term goals. About Gary Coggin Gary Coggin is a mortgage professional with over 40 years of experience helping first-time homebuyers, homeowners, and families navigate the mortgage process with education, empathy, and care. He also hosts his own podcast, The Gary Coggin Mortgage and Real Estate Show. Contact Gary Coggin LinkedIn:  https://www.linkedin.com/in/gary-coggin-301b5411/ Insta:  https://www.instagram.com/philadelphiamortgage/ Give a call on the old-fashioned telephone:  (215) 275-4402 "Don't panic and start to reach out to the people that you know, like and trust."   Contact Donna Websites:  https://sephtonfinancial.com/  https://donnajeankendrick.com  _______________________________  Donna Kendrick is a Certified Financial Planner and Certified Divorce Financial Analyst and owner of Sephton Financial located at 314 Washington Ln, Jenkintown, PA 19046. If you'd like to contact Sephton Financial you can do so online at SephtonFinanical.com or by calling 215 948 3945 Registered Representative offering securities through Cetera Financial Specialists LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Sephton Financial, LLC and Cetera are not affiliated. The views depicted in this material are for information purposes only and are not necessarily those of Sephton Financial. They should not be considered specific advice or recommendations for any individual. Neither Sephton Financial nor any of its representatives may give legal or tax advice. The guests on the podcast are not affiliated or registered with Cetera Financial Specialist. Any information provided by the guests are in no way related to Cetera Financial Specialist or its registered representatives.

Retirement planning often sounds like a math problem.But sometimes the most important question is not whether you can retire. It is what kind of life you want your money to support.In this episode, Ari Taublieb, CFP®, responds to a listener who is 52 year old and hopes to retire at 55 with approximately $2.8 million saved. On paper, he appears to be in a strong position. But like many people approaching retirement, he is trying to balance competing goals.He wants the freedom to spend more, travel, fly airplanes, and enjoy experiences he has worked decades to afford. At the same time, he is considering purchasing a home, navigating the Rule of 55, and figuring out how much is actually safe to withdraw without creating problems later.The challenge is not a lack of resources. It is deciding which priorities matter most.Ari walks through the tradeoffs involved when multiple goals compete for the same dollars. Buying a home may provide peace of mind, but it can reduce the assets available to generate retirement income. Spending more can create incredible experiences, but it may require accepting a different long-term outcome. Delaying retirement can improve the numbers, but it may come at the cost of years that can never be recovered.The deeper conversation centers around a mistake many future retirees make. They focus on reaching a specific net worth target instead of determining what income and lifestyle they actually need.By reverse engineering retirement around spending goals, future Social Security benefits, pension income, and personal priorities, a clearer picture begins to emerge.The takeaway is simple. Retirement is not about maximizing every financial decision. It is about understanding the tradeoffs, making intentional choices, and building a plan that supports the life you actually want to live.--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA  is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

It seems that more and more politicians are starting to believe that governments don't have enough resources because they don't make wealthy people pay their fair share. Today, Paul wants to remind you that the wealthiest citizens have the power to leave before they see a country tax them out of a large portion of their wealth. Later, Paul pivots to the topic of Social Security and why no politician seeking reelection would allow the program to fail because of the massive number of voters who rely on it.    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.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/9fc86c=======================Your portfolio only had one job while you were working. The day you retire, it gets a second one, and almost nobody splits the money the right way between the two.I watched a client with three million dollars, all sitting in three stocks, get forced back to work after 2022. Those stocks have since fully recovered. It didn't matter.This is the exact framework I give every client before they retire, and the real math behind why "the market averages 12% a year" can still wreck a retirement.We're going to cover:the S&P 500's actual worst 12 month stretch over the last 50 years, and why that number should worry you more than the 12.1% averagehow a 7% withdrawal quietly turns into a 14% withdrawal without you changing a single thingwhy I told a client about to retire with three million dollars in three stocks to sell his winners, and why he couldn't bring himself to do itthe way to slice your "safe money" into year one, year two, and year three buckets so each one is protected differentlyhow to decide which part of your portfolio to actually spend from in a year like 2026, when tech is up 14% and small value stocks are up 22%--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️Get Started Here.Join the new Root Collective HERE!

At a staff meeting this week, an advisor shared that a client used AI to find a fund with optimal diversification. The problem is that AI trains on the industry's marketing materials and doesn't know how to dig any deeper yet. Listen along as Paul explains how AI parroted the fund's sales pitch and overlooked the fact that it would invest the majority of your money into a handful of companies.    Later in the episode, Paul talks about what happened in India when over half a million people applied for 583 jobs and how this shows just how hard people will work to make life better for themselves and those around them.    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.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

Schools and coaches using new Wet Bulb Globe Temp to determine outdoor safetyThis Sunday you can grab a FREE entree when you order two or more FEEL GOOD FRIDAY: Teacher lives for those moments when the kids just 'get it' 

A financial plan is only valuable if it is documented, updated, and implemented with discipline. In this episode of The Abundance Mindset, Allison and Ben explain why proactive financial planning matters for high-earning professionals, equity-compensated employees, and business owners whose financial lives are too dynamic for a once-a-year review.We discuss the difference between academically good strategy and operationally effective planning.⏱️ TIMESTAMPS00:00 Intro00:54 Summer Studio Catch Up02:16 Why Plans Go Stale04:47 Cadence And Service Calendar05:57 Year Round Planning Cycle07:52 Strategic Inaction10:18 Opportunity Windows for Action11:52 What Proactive Planning Looks Like16:05 Who Manages Your Money Life?18:20 Wrap Up And Next Steps

President and Senior Financial Planner Paul L. Moffat and Director of Financial Planning Jordan Naffa discuss six strategies W-2 employees can explore to help reduce their tax burden. While employees generally have fewer tax planning opportunities than business owners and independent contractors, thoughtful planning can still create meaningful opportunities.Paul and Jordan cover strategies ranging from maximizing employer retirement plans and fully funding Health Savings Accounts to exploring short-term rentals, real estate professional status, and tax-advantaged alternative investments. They also discuss how building a legitimate business outside of your primary employment can create additional planning opportunities when properly structured.Throughout the conversation, Paul and Jordan emphasize that tax benefits should never be the sole reason for making an investment or business decision. Many of these strategies involve complex IRS requirements, additional risks, and strict qualification rules, making coordination with qualified tax, financial, and legal professionals essential.In this episode:● Maximizing employer retirement plan contributions and available matching● Using Health Savings Accounts as a tax-advantaged planning tool● Short-term rentals, material participation, and cost segregation strategies● Understanding real estate professional status and its strict qualification requirements● Exploring tax-advantaged alternative investments● Building a legitimate business to create additional planning opportunities● Why proactive planning and professional guidance are essential when evaluating tax strategiesThe opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed in this program is not a guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested in directly. As always, please remember that investing involves risk and the possible loss of principal. Please seek advice from a licensed professional.Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.

First, we speak to The Indian Express' Man Aman Singh Chhina about three Bills passed by the Punjab government to establish private digital open universities, why the state says they could transform education, and the concerns raised over their compliance with UGC regulations.Next, we speak to The Indian Express' Ritu Sharma about how a food safety complaint at an Ahmedabad school developed into a wider controversy over books by Malala Yousafzai and Anne Frank, and what happened to the original investigation. (07:55)And in the end, we look at the United States' possible review of its travel advisory for Kashmir, what US Ambassador Sergio Gor said about the region's security and tourism potential, and the significance of his meeting with Chief Minister Omar Abdullah. (18:00)Hosted by Ichha SharmaProduced and written by Shashank Bhargava, Niharika Nanda and Ichha SharmaEdited and mixed by Suresh Pawar

Welcome to Digital Learning Today. In this episode, Jeff Bradbury explores the strategic systems that shape the future of education, focusing on Instructional Coaching, Artificial Intelligence, Professional Learning, and the latest Educational Technology Trends. In this episode, Jeffrey Bradbury interviews Adriana Massara from the Alliance for Decision Education about integrating decision-making skills into K-12 education. They discuss what decision education is, how it can be embedded into existing curricula, and its importance in developing lifelong skills for students. Become a High-Impact Leader: This episode is just the beginning. To get the complete blueprint for designing and implementing high-impact systems in your district, get your copy of my book, "Impact Standards." Strategic Vision for Digital Learning:Learn how to create a district-wide vision that aligns digital learning with your educational goals, transforming how standards-based instruction is designed and supported.Curriculum Design and Implementation:Discover practical strategies for integrating digital learning into existing curricula, creating vertical alignment of skills, and mapping digital learning across grade levels.Effective Instructional Coaching:Master the art of coaching people rather than technology, building relationships that drive success, and measuring impact through student engagement rather than just technology usage. Purchase your copy of “Impact Standards” on Amazon today! In This Episode … What decision education is and its importanceHow decision skills can be integrated into existing curriculaThe role of decision education in critical thinking and metacognitionStrategies for teachers to encourage decision-making and questioningThe impact of AI on decision-making skills and educationLong-term vision for decision education in K-12 schools Chapters: 00:00 Introduction to Decision Education00:26 Engagement and Resources for Educators03:32 Understanding Decision Education06:34 Integrating Decision Education in Classrooms09:21 The Role of Critical Thinking12:33 Implementing Decision Education at a School Level15:15 Artificial Intelligence and Decision Making18:31 Overcoming Teacher Overwhelm21:12 The Future of Decision Education24:22 Conclusion and Resources Resources Mentioned in This Episode: https://alliancefordecisioneducation.org/podcasts/https://www.linkedin.com/company/alldecisioned About our Guest: Adriana Massara Adriana's passion for education comes from a long line of teachers in her family. She joined Teach for America after graduating from college and taught elementary school. During her tenure, Adriana became a school leader and lead math curriculum planner. In those roles, she managed grade-level teams and teacher training. Adriana was also a Leadership for Educational Equity Fellow, where she worked for the Office of Equity and Access at the New York City Department of Education. Adriana joined the Alliance for Decision Education in 2015 as the Partnership and Training Manager. In that role, she oversaw school implementation of Decision Education and supported teachers' practices with training and in-classroom coaching. As the Director of Community and Partnerships, Adriana managed the Alliance's network of individual and organizational partnerships, including the Advisory and Ambassador Councils. She is now the Deputy Executive Director and Chief Strategy Officer of the Alliance. Adriana received her Master's degree in Education from the University of Hawaii, and graduated with a B.A. in Consumer Psychology and Communications from the University of Pennsylvania. About The Alliance for Decision Education The Alliance for Decision Education is a national nonprofit and field builder working to establish and integrate Decision Education into K–12 school systems nationwide. Our mission is to improve lives by empowering students with the essential skills and dispositions needed to make better decisions. Drawn from the sciences and humanities, Decision Education is an interdisciplinary approach that focuses on teaching students how to think, rather than what to think. Through this framework, students learn to evaluate risk, resist cognitive biases, utilize decision frameworks, and practice open-mindedness—essential tools for navigating today's complex digital landscape. By partnering with educators, families, policymakers, and community leaders, the Alliance is building a movement to ensure every student develops these durable life skills. Links of Interest Website:https://alliancefordecisioneducation.org/Twitter:https://x.com/AllDecisionEdFacebook:https://www.facebook.com/AllDecisionEdLinkedIn:https://www.linkedin.com/company/alldecisioned/YouTube:https://www.youtube.com/channel/UC5qYkn8DdYPOGW24PvHa_dQ Let's Work Together Contact Me Today:https://www.teachercast.net/contact Follow on Social Media LinkedIn:https://www.teachercast.net/linkedinTwitter/X:https://www.teachercast.net/twitterBlueSky:https://bsky.app/profile/jeffreybradbury.bsky.socialYouTube:http://teachercast.net/youtube Subscribe to This Podcast Apple Podcasts:https://podcasts.apple.com/us/podcast/digital-learning-today/id546631310Spotify:https://open.spotify.com/show/0n6S0WcyzQ1rpKWJ8iZPLJ?si=a1227a7c5e0b48e4 Check Out Additional TeacherCast Programming Digital Learning Today:https://podcasts.apple.com/us/podcast/digital-learning-today/id546631310Ask the Tech Coach:https://podcasts.apple.com/us/podcast/ask-the-tech-coach/id1067586243The Jeff Bradbury Showhttps://podcasts.apple.com/us/podcast/the-jeff-bradbury-show/id519685828 Book Jeff for your Next Event Jeff Bradbury (ISTE “20 to Watch” Award Winner and ISTE Certified Educator) is available for keynote speaking, workshop facilitation, and live event broadcasting. With expertise in educational technology and professional development, Jeff brings engaging content and practical strategies to conferences and professional learning events. Visit Jeff's Website:https://jeffreybradbury.comContact Jeff Directly:https://jeffreybradbury.com/contact/ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ [gravityform id="2" title="true"]

Today, Paul shares two practical examples that highlight the same problem: The industry is set up to sell and provide education, diversification, and the best opportunity for income in retirement. Listen along as Paul shares about a growth fund a client brought in that was underperforming and introducing unnecessary risk to the portfolio, and about an article from an expert who is trying to get people out of cash and into the wrong kinds of bonds to provide stability during market downturns.    Later in the episode, Paul wants you to know that get-rich-quick schemes around AI investing are being pitched as the “future” of investing.   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.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

We're back from summer break with a live Q&A with SO much good stuff in this one. This was one of those episodes where the questions kept getting better and better, and I got to go deep on the things that trip us all up: running an advisory firm, getting your pricing right, Xero integrations, closing out clients the right way, and knowing when to make your first hire. If you've ever felt awkward quoting a higher fee or weren't sure how to structure your revenue side when a client's processor data lives inside their CRM, this one's for you. And if advisory is even a tiny blip on your radar, I've got a free audio series you're going to want to grab before it disappears.In this episode you'll hear:Connecting Stripe and PayPal inside XeroIs $350 too much for basic bookkeeping?The right way to disengage with clientsWhen to make your first hireHow to support a team that's feeling overwhelmedResources mentioned in this episode:Elevate: https://www.ambitiousbookkeeper.com/elevateBBA: https://www.ambitiousbookkeeper.com/bbaXero: https://xeroamericas.partnerlinks.io/79afz10exu7dKajabi: https://app.kajabi.com/r/SLFEMUL4/t/uiptq7nuContent Snare: https://contentsnare.com/#_r_serena58Thanks for listening. If this episode inspired you in some way, take a screenshot of you listening on your device and post it to your Instagram stories and tag me @ambitiousbookkeeperFor more information about the Ambitious Bookkeeper Podcast or interest in our programs or mentoring visit our resources below:Visit our website: https://www.ambitiousbookkeeper.comFollow me on YouTube: https://www.youtube.com/@ambitiousbookkeeperConnect on Instagram: https://www.instagram.com/ambitiousbookkeeperConnect on Threads: https://www.threads.net/@ambitiousbookkeeperConnect on Facebook: https://www.facebook.com/serenashoupcpaThank you for your support of our show. If you haven't left a review yet it's super simple. Please go to ambitiousbookkeeper.com/podcast and leave your review.Podcast Publishing Tools we use:Editing → Sabr Media LLC: https://www.iangilliam.com/sabr-media-llcDescript: https://get.descript.com/u7lubkx09073 (affiliate link)Buzzsprout: https://www.buzzsprout.com/?referrer_id=1753696 (affiliate link)

Send us Fan MailDiscover the unique approach of Amplify Capital Group, a leading M&A and capital advisory firm deeply specialized in the car wash sector. This episode delves into how their blend of Wall Street transaction expertise and real operator perspective provides an unparalleled understanding of the industry. Learn about their comprehensive services, from sell-side and buy-side advisory to capital raising and operational support, all designed to maximize value creation for car wash owners. Explore their track record of over $5 billion in transactions and gain insights into the current landscape of car wash investments and strategic growth opportunities. Uncover why Amplify is more than just "deal people," offering a full 360-degree view of the sector.What You'll Learn:How Amplify Capital Group combines financial expertise with operational experience in the car wash sector.Their extensive range of advisory services, including M&A, capital raising, and operational strategy.The importance of a holistic approach to value creation in car washing, beyond just transactions.Insights into how buyers are currently underwriting the car wash sector.Examples of their work, including business recapping, debt restructuring, and minority equity solutions.The significance of aligning financial, operational, and real estate strategies for optimal outcomes.Join us to understand the multifaceted world of car wash sector advisory and how strategic partnerships can drive significant growth and value.#CarWashAdvisory #MACarWash #CapitalAdvisory #AmplifyCapital #CarWashBusinessConnect With Us:https://www.facebook.com/AmplifyCapGroup/https://x.com/i/flow/login?redirect_after_login=%2FCarWashAdvisors%2Fhttps://www.linkedin.com/company/amplifycapgroup/https://www.youtube.com/channel/UCyy2-_zM-liZr95drgKDX3g

Regardless of your stage of life, there are always a few good reasons not to save for retirement. Paul wants you to know that, for most people, the status quo is to spend what you make and try to provide the best quality of life for yourself. But what happens when you can't work anymore? Today, Paul shares some of his favorite behavioral hacks to help you go from living paycheck to paycheck to feeling more confident about money. Part of the problem is not a lack of self-control, but a world that makes it easy to spend and difficult to save, and there are things you can do to flip the script.   Later in the show, Paul addresses the concern that markets and income are just too different now to save for retirement than they used to be. Paul shares how choosing the right investments and saving a reasonable amount will beat out aggressive saving and investing in the wrong things every time.   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.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

Join Roger Knecht and guest Peter McCarroll on the latest episode of Building the Premier Accounting Firm as they discuss the urgent transformation of accounting practices through AI implementation. Learn how to shift from historical reporting to real-time advisory services and why adopting these technologies within the next two busy seasons is critical for the survival and growth of modern firms. In This Episode: 00:00:00 The Urgency of AI Adoption 00:03:49 Moving From Rearview to Dashboard 00:08:44 The Role of a Strategic Navigator 00:13:39 Phases of AI Implementation 00:18:21 Practical AI Applications 00:23:09 Advisory and Scaling Knowledge 00:28:48 Advanced Integration and Workflows 00:33:08 Empowering Staff in the AI Era 00:38:37 Final Thoughts and Future Roadmap Key Takeaways: Adopt AI tools now to prepare for the industry landscape of 2028. Transition accounting services from "rearview mirror" reporting to real-time, "dashboard" insights. Leverage AI as a strategic collaborator to identify revenue growth opportunities. Train staff members to become "accountant agent managers" who oversee AI-driven workflows. Integrate AI with existing platforms to optimize data transformation and efficiency. Featured Quotes: "AI is going to change the way we do our work, it's going to change the way we run our firm, it's going to change the way we engage with our clients." — Peter McCarroll "You can't drive very far or very fast looking in the rearview mirror." — Peter McCarroll "I don't sell tools. I sell thought." — Peter McCarroll Conclusion: Thank you for joining us for another episode of Building the Premier Accounting Firm with Roger Knecht. For more information on how you can establish your own accounting firm and take control of your time and income, call 435-344-2060 or schedule an appointment to connect with Roger's team here.   Sponsors: Universal Accounting Center Helping accounting professionals confidently and competently offer quality accounting services to get paid what they are worth.   Offers: Exclusive offer: Get $500 off the AI Practice Transformation program — our three-week cohort that helps CAS firms redesign workflows, engineer their AI context, and build a real advisory model. That brings it from $2,997 to $2,497. Mention this episode when you reach out, and we'll apply the discount. Start at theaiaccountant.ai/transformation  Special Offers for our Podcast Listeners, CLICK HERE to take advantage of them today!   Remember this: Accounting Success IS Universal. Be sure to listen to our next episode and subscribe.   Also, let us know what you think of the podcast and please share any suggestions you may have.  We look forward to your input: Podcast Feedback   For more information on how you can apply these principles to start and build your bookkeeping, accounting, & tax business, please visit us at www.universalaccountingschool.com or call us at 801-265-3777.  And know that if it's about accounting, it's Universal

What does a nonlinear career by design look like? For Lisa Davis, a former Fortune 100 executive, it meant intentionally building an executive career that spanned the U.S. Marshals Service, Georgetown University, Intel and Blue Shield of California. As a technology executive, she carried her experience into new industries, with continuous learning as the throughline.Lisa talks with host Natalie Benamou about the need for technology expertise in the boardroom, combined with an understanding of people, talent and building relationships. Together they explore why women's stories need to be amplified.This is your go-to-conversation and will guide you as you plan a career pivot, pursuing a board role or moving into a new industry. Find out how you can move out of your comfort zone into intentional growth.Keep shining your light bright. The world needs you.About Lisa DavisLisa Davis is the Founder and CEO of Davis Core Advisory, a CIO Hall of Fame inductee, corporate board director, and former Fortune 100 executive. She advises CEOs and boards on AI, digital transformation, and leadership, and is the author of The Only Woman in the Room, helping leaders thrive through change with grit and purpose.Website: http://www.daviscoreadvisory.com/Instagram: @withlisadavis Substack: @thelisadavis HerCsuite® is a leadership network where women build what's next. Our members land board roles, grow businesses, lead the AI conversation, and live their best portfolio career with our programs. Join Natalie Benamou and become a member HerCsuite.com, or connect with Natalie Benamou, Founder + CEO on LinkedIn.

Welcome to the Health Marketing Collective, where strong leadership meets marketing excellence.On today's episode, Kelly Franchetti, CEO of The Patient View, nurse, rare disease mom, and seasoned patient insights expert joins Sara Payne for an essential conversation about the art and science of weaving patient insights into brand planning. As healthcare marketers dive into planning season, Kelly offers a strategic and practical playbook for moving beyond assumptions and building campaigns, support programs, and messaging that truly resonate with patients.We dig into the critical questions: Where do patient insights fit into the brand planning process? Why do so many organizations wait too long to seek patient feedback? And what real-world impacts have companies seen when they involved patients early vs. when they didn't? Kelly Franchetti shares powerful stories from triple-negative breast cancer rebrands to evolving support in rare diseases showcasing how early, authentic patient input can fundamentally change both creative direction and patient outcomes.This isn't just market research. Kelly Franchetti explains how agile, front-end insight work is different, faster, and often significantly less expensive than most teams assume. Practical guidance follows for working with tight budgets, leveraging advisory boards, and collaborating with agencies to get the strongest ROI from your patient engagement investments.Key TakeawaysMove Patient Insights Upstream: Too often, patient feedback is treated as a late-stage validation step testing messaging after it's already locked in. Kelly argues for bringing patients into the room from the very start of brand planning 02:21, when strategy, positioning, and creative direction are being formed. Early involvement is not just easier and less costly; it's foundational to building architecture that reflects real patient needs.Beware of Assumptions Even on Experienced Teams: Even sophisticated marketing teams can unconsciously operate from inside the brand, not inside the condition. Common assumptions such as what patients' biggest pain points are, or what support they need often miss the mark. Kelly Franchetti stresses that gaps arise not from lack of skill but from differing perspectives; closing those gaps during planning season is what drives real resonance and results 05:02, 07:54.Patient Insight vs. Market Research & Advisory Boards: Patient insight initiatives are not just another traditional market research project, nor are they interchangeable with advisory boards. Kelly Franchetti explains that patient insight work is quicker, more agile, and designed to shape hypotheses before they are fully formed 15:58. Advisory boards have their value for focused, tactical conversations, but fall short in surfacing the full breadth of patient perspectives required for foundational planning 20:41, 22:41.Involving the Patient Voice Isn't Out of Reach: Patient insights don't require big teams or massive budgets. Programs can be spun up quickly (in as little as two to three weeks) and at budgets starting as low as 10,000–15,000 17:41, 18:25. Kelly Franchetti encourages teams to explore what's possible with what they have rather than assuming time and cost are barriers.ROI Is Highest When Insights Inform Early Decisions: If you only have resources for one initiative, invest on the front end shaping strategic priorities and messaging pillars instead of saving for late-stage message testing. Testing confirms, but early input shapes 26:46. Realigning plans after launch is always possible pulse checks midyear are fast and affordable 32:30 but the greatest ROI comes from minimizing assumptions upfront, regularly calendaring patient insight check-ins, and being honest about where the plan is built on guesses versus knowledge.Thank you for being part of the Health Marketing Collective, where strong leadership meets marketing excellence. The future of healthcare depends on it.Mentioned in this episode:Health Marketing Collective is Powered by InprelaThe Health Marketing Collective is powered by Inprela: a communications firm built for health brands determined to lead, not follow. We partner with marketing innovators who aren't just chasing attention—they're building movements. Connect with the audiences shaping the future of care and lead the conversations that move your market. Ready to rise above the noise? Visit inprela.com. Let's create something that moves the market.Inprela Communications

SpaceTime Series 29 Episode 98 Three supermassive black holes discovered in a single galaxy for the first time Astronomers have for the first time, discovered a galaxy near the dawn of time containing three monster black holes. A new White House advisory body on UFOs The pentagon has just released its latest batch of X-files looking at unexplained phenomena and strange happenings.  The release follows the appointment of Harvard University astrophysicist Avi Loeb as chair of the new White House scientific panel on UFOs. Was Venus once just like Earth A new study suggests that the hellish inhospitable world of Venus could have once been far more Earth like. The Science Report Western Europe has just experienced its hottest June and July on record. A new study says if you want to live longer then take the stairs. Scientists still don't know how long most fungi can live - or even how to define their age. A dog's ability to understand human language is likely a product of both nature and nurture. Skeptics guide to the missing nuclear scientists. Our regular guests: Alex Zaharov-Reutt from techadvice.life Tim Mendham from Australian Skeptics And Senior science writer and Sky and Telescope magazine contributor Jonathan Nally  

Bonchon CEO Suzie Tsai joins Fast Casual Nation hosts Paul Barron and Cherryh Cansler to talk candidly about the Korean fried chicken brand's AI journey, from admitting its tech stack needed work to building smarter supply chain forecasting, localized marketing, kiosk ordering, and data-privacy safeguards. Tsai shares her wishlist for AI's next frontier in guest connection and third-party delivery, plus a peek at Bonchon's global growth. The episode wraps with the announcement of Fast Casual Nation's 2026 Restaurant AI Awards, now open for nominations.#FastCasualNation #RestaurantAI #BonchonBecome a supporter of this podcast: https://www.spreaker.com/podcast/fast-casual-nation--3598490/support.Get Your Podcast Now! Are you a hospitality or restaurant industry leader looking to amplify your voice and establish yourself as a thought leader? Look no further than SavorFM, the premier podcast platform designed exclusively for hospitality visionaries like you. Take the next step in your industry leadership journey – visit https://www.savor.fm/Capital & Advisory: Are you a fast-casual restaurant startup or a technology innovator in the food service industry? Don't miss out on the opportunity to tap into decades of expertise. Reach out to Savor Capital & Advisory now to explore how their seasoned professionals can propel your business forward. Discover if you're eligible to leverage our unparalleled knowledge in food service branding and technology and take your venture to new heights.Don't wait – amplify your voice or supercharge your startup's growth today with Savor's ecosystem of industry-leading platforms and advisory services. Visit https://www.savor.fm/capital-advisory

Enterprise leaders are facing a massive dilemma: AI bills are exploding, yet finance leaders are struggling to see where any of that money is coming back to the business. But are companies making a fundamental mistake by treating AI like just another IT project chasing quick savings? This week on the podcast, Cody Stack (VP, Data & Analytics) is joined by Geraint John (VP, Research & Advisory) and Justin Gillebo (Senior Director, Research & Advisory) to unpack why it's time rethink the true value of AI. Drawing from real-world examples – from Walmart's autonomous tail-spend agents to multi-hundred-million-dollar commodity cost intelligence – they challenge the trap of chasing isolated 90-day ROI and simple headcount cuts. Instead, they outline how mature operators are managing token costs, metrics like decision latency, and end-to-end workflow orchestration to move past quick-win science fairs and build true, lasting enterprise value.

Many Americans fear that America's economy may be surpassed by China's and that China's use of AI may affect the future of the world's job market and economy. Today, Paul brings an interview with Hank Paulson, former Treasury secretary, about both topics that sheds light on the country and some of the more nuanced issues that the media doesn't always cover.    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.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

Most CPA firm owners know their revenue. Far fewer know how a buyer would value the business behind it.Brannon Poe, founder of Poe Group Advisors, joins Tom Wadelton and Adam Hale to break down the factors that make an accounting practice more attractive to buyers. After working on hundreds of CPA firm sales and acquisitions, Brannon has seen which operational decisions strengthen value and which ones create risk during a transition. He explains why profitability and owner dependency are the two metrics firm owners should watch most closely. He also shares why virtual firms can attract a wider buyer pool, why headline offers can be misleading, how niches and technology influence value only when they improve results, and what owner hours reveal about the strength of the team. Tune in now and hear insights that shift the way you think about building a firm that's ready to sell. ▶️How to Build a CPA Firm That Attracts Buyers with Brannon Poe. Episode resources:● Website: https://anderscpa.com/● If you have questions or would like to be a guest on the show, email us at mcpasuccessshow@anderscpa.com● Check out the Virtual CFO Playbook Course:https://anderscpa.com/virtual-cfo-services/vcfo-playbook/● Explore Poe Group Advisors: https://poegroupadvisors.com/● Email Poe Group Advisors: info@poegroupadvisors.comQuotesBrannon Poe: “The things that you can control are the profitability of the practice and the owner dependency.”Adam Hale: “It is about creating that competitive market, not just for the best price, but the best fit.”Brannon Poe founded Poe Group Advisors and has been guiding accounting practice transitions since 2003. He pioneered the firm's consulting-based approach, now known as The Seamless Succession™. He began his career as an auditor at Ernst & Young, then spent several years in auditing and tax preparation at the regional firm Elliott, Davis & Company, before becoming a shareholder in a family-owned business and a founding shareholder in a manufacturing startup.He's the author of "Accountant's Flight Plan: Best Practices for Today's Firms" (published by the AICPA and CPA Canada) and "How to Prepare Your CPA Firm for Sale," among other books. He speaks regularly at national and regional accounting conferences and hosts The Accountant's Flight Plan Podcast.Brannon Poe, has been helping accounting firm owners navigate major transitions since 2003, pioneering the firm's consulting-based approach known as The Seamless Succession™. Visit poegroupadvisors.com to learn more, email him at info@poegroupadvisors.com, or connect with him on LinkedIn. Learn More About Poe Group Advisors:Instagram: https://www.instagram.com/poegroup/Facebook: https://www.facebook.com/PoeGroupAdvisors/#X: https://x.com/poegroupadvisorYoutube: https://www.youtube.com/channel/UCniu-SWqezXDabYtGMXK9IwLinkedIn: https://www.linkedin.com/company/poe-group-advisors/The Modern CPA Success Show is the go-to podcast for accounting firm owners eager to enhance profitability and master Virtual CFO services. This podcast leverages combined expertise in delivering top-tier Virtual CFO services across North America.Website: https://www.buzzsprout.com/2458888  Facebook: https://www.facebook.com/AndersCPA LinkedIn: https://www.linkedin.com/company/anders-cpa/ Instagram: https://www.instagram.com/anderscpa/ YouTube: https://www.youtube.com/@andersvcfo Tom Wadelton is a Virtual CFO at Anders, bringing over 20 years of financial expertise from his tenure at a Fortune 500 company. He has extensive experience spanning financial management, accounting operations, and information technology integration. Tom specializes in delivering strategic Virtual CFO services, helping businesses optimize their financial performance through advanced accounting solutions.Website: https://anderscpa.com/about/your-anders-team/#thomas-d-wadelton LinkedIn: https://www.linkedin.com/in/tomwadelton/ Adam Hale, CPA, is a Partner and Managing Director of Advisory at Anders, dedicated to transforming traditional accounting practices through innovative Virtual CFO services. With over 20 years in public accounting, Adam has been instrumental in the ideation and development of CPA training courses. Website: https://anderscpa.com/about/your-anders-team/#adam-hale LinkedIn: https://www.linkedin.com/in/adamhalecpa/

Retiring early is one thing. Trusting that you can stay retired is something completely different.In this episode, Ari responds to a listener who retired at 48 while her husband prepares to leave work as well. The numbers say they are in a strong position, yet the doubt still lingers. Are we really okay. Did we miss something. Should we keep working just to be safe.Ari explores why so many people struggle to trust their retirement plan even after years of disciplined saving and investing. Sometimes the issue is not the math. It is the emotional weight of making a decision that most people around you are nowhere near making.The conversation also touches on the real role of a financial advisor. Not simply managing investments, but helping validate assumptions, pressure test decisions, and bring confidence to a transition that can feel far bigger than a spreadsheet.Because retirement confidence is not about eliminating every doubt. It is about understanding your plan well enough to move forward anyway.--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA  is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

In this episode, Steven Jarvis, CPA, is joined by Brian Beck to discuss how financial professionals can build a practice around proactive tax planning. Brian shares how his firm has incorporated taxes into every client conversation for more than 30 years and why tax planning should begin immediately after tax season ends rather than waiting until year-end. They discuss the benefits of a subscription-based model, how it encourages clients to stay engaged with their financial planning, and how advisors can create stronger relationships with CPAs through collaboration instead of competition. Brian also explains how his firm structures CPA partnerships, handles tax preparation through outside providers, and the importance of understanding compliance requirements when adding tax services. The conversation highlights practical steps advisors can take to become more comfortable with tax conversations, including reviewing tax returns and learning the language of tax professionals. https://zurl.co/1MQqn

Recorded days after Synod 2022 adjourned. Second of three reruns in the Before We Knew series. Jason and Willy work through the six questions the podcast then put to every delegate it interviewed: your role at synod, what you learned about yourself and the CRC, what encouraged you, what discouraged you, how your congregation is responding, and where we go from here. Willy served as a young adult representative, a role that can speak on the floor but cannot vote or speak for or against a motion. He questions whether the role should exist at all under a Presbyterian polity, and both note how many actual delegates were young that year, most of them conservative. They sat together on advisory committee three, education and candidacy, which handled the seminary and Calvin reports and the candidate interviews, including the two new Calvin Seminary professors, Wilson Cunha in Old Testament and Yudha Thianto in historical theology. Cunha answered directly on the human sexuality report. Thianto said he would abide by whatever synod decided, which left people uneasy. On what encouraged them: orthodoxy prevailed, and it prevailed by margins nobody expected. Four things passed — penal substitutionary atonement, the majority report on human sexuality, confessional status for its teaching, and disciplinary action against Neland Avenue — all by supermajorities in the range of 70 to 75 percent. Jason expected to come home wrecked and did not. He credits the fellowship among delegates and answered prayer, including moments where several delegates arrived at the same conviction separately during deliberations. On what discouraged them: hostility toward orthodoxy in some quarters, arguments from personal testimony treated as equal to Scripture, and conduct on the floor that was out of order on a worldwide livestream. Jason was criticized for repeating the word clarity, and answers the charge that the CRC has made an idol of it: clarity is not about being right, it is what makes pastoral guidance possible. He also names tone deafness, particularly the reasoning that professors should be asked only whether they will abide by synod's decisions rather than what they believe, and traces it to the distance between Grand Rapids and the rest of the denomination. Willy answers with Luther at the Diet of Worms on conscience captive to the word of God. The hardest section is about their own side. Off social media all week, Jason came home to find not only anger from those who wanted an affirming outcome, which he expected, but conservatives who were angry that synod had not gone far enough. Willy answers that watching a livestream is not the same as reading the room. Jason argues from church revitalization: this was the first disciplinary action against a congregation in over twenty years, small wins come before large ones, and nobody thought the work was finished after one synod. They also read the closest vote of the week, the defeated catechism footnote at about 51 percent, as a matter of people not having had time to think it through beforehand. On congregations: Willy's church was glad of the results and worried about a split, and he tells them that separation may be inevitable when both sides believe the gospel is at stake. Jason reads an email from an orthodox pastor who got everything he hoped for from synod and now has a congregation in turmoil, with members asking whether they can still belong. Both argue for giving churches time to repent before stronger action, and Jason ties it to Hebrews 12 — discipline is not designed to remove someone from the family. He mentions the Neland elder who said, with a smile, that synod would have to kick them out. They close on where to go from here. Willy names the three marks of the true church: preaching, sacraments, discipline. Jason wants the in loco committee under the new general secretary held to its work, and a warning that Paul Vander Klay's prediction may hold — that some will leave from the left and some conservatives from the right. His closing word is to the conservatives: this is step one, stay. Timestamps: 0:00 — Series intro 1:43 — Original episode begins 3:02 — The six questions asked of every delegate 4:03 — Willy's role as a young adult representative, and whether it should exist 9:52 — Advisory committee three: education and candidacy 13:49 — Interviewing the new professors: Wilson Cunha 18:30 — Yudha Thianto's answer on the human sexuality report 20:11 — What encouraged them: orthodoxy prevailed 23:51 — Four supermajority votes 25:55 — Answered prayer, and the Spirit at work among delegates 29:06 — Disagreeing agreeably: 95 percent of it went well 31:06 — What discouraged them: hostility toward orthodoxy 34:03 — "The clarity guy," and whether clarity is an idol 35:13 — Tone deafness, and the Grand Rapids echo chamber 38:47 — Luther at the Diet of Worms 39:25 — The social media moratorium, and what came after 40:32 — Conservatives angry that synod did not go far enough 41:40 — Willy: watching a livestream is not reading the room 44:02 — Thinking like a church revitalizer: step one of many 48:46 — The false accusation that orthodox delegates know no one affected 50:49 — The catechism footnote, defeated 51 to 49 53:57 — How the congregations are responding 57:24 — "Separation, I believe, is inevitable" 58:30 — The email from a pastor who won and now has a mess 61:14 — Giving churches room to repent 62:26 — Quoted in the Banner, and Hebrews 12 on discipline 63:45 — The Neland elder: "You're going to have to kick us out" 64:54 — The marks of the true church 66:59 — Holding the in loco committee to its work 67:33 — "Don't leave. Stick with us." Join and support us on Substack: https://themessyreformation.com/ Intro music by Matt Krotzer

Hour 2 opens with back-to-school reflections and legal analysis regarding recent federal court rulings invalidating National Firearms Act (NFA) registration requirements, alongside updates on surrogacy case advocacy led by Live Action. On The Shortlist, the hosts review foreign policy commentary from Representative Seth Moulton, updates on the SAVE America Act from House Speaker Mike Johnson, and a forceful response from double-amputee combat veteran Joey Jones addressing complaints over military shipboard rations. In the St. Louis Morning Brief, reporting covers a precautionary boil water advisory issued by the City of St. Louis Water Division following power outages at the Chain of Rocks Water Treatment Plant, child endangerment charges against two parents who left an infant in a hot car during an Urban League Expo, and administrative delays in spending state sports gambling addiction treatment funds. In Segment 3, financial journalist Nicole Murray breaks down market futures, Anthropic's Q2 revenue surge, Berkshire Hathaway's $36.6 billion stake in Alphabet, Shein's $25 billion Hong Kong IPO valuation, and health research on snooze button sleep fragmentation. Hour 2 concludes with In Other News, featuring coverage of Jansen Panettiere's 2023 passing, a rediscovered 2001 Michael Jackson documentary, the birth of a rare babirusa piglet at Chester Zoo, WalletHub ranking State Technical College of Missouri as the #1 community college in the nation, and an Arkansas high school football snake incident. Hour Hashtags #NFA #NationalFirearmsAct #StLouisBrief #BoilAdvisory #NicoleMurray #StateTech #InOtherNews #JoeyJones Hour Guest List Nicole Murray — Financial and Business Journalist (Hour 2, Segment 3)

What if the next generation of batteries didn't need rare earth minerals? Today, Paul shares an article about new battery technology that uses common materials like iron and salt instead of relying on rare earth minerals. Paul and Evan discuss how an innovation like this could have huge implications for everything from cars and phones to airplanes and energy storage. It could also reshape the geopolitical landscape by reducing the world's dependence on China for critical battery materials.    Later, Evan shares a personal story that offers an important lesson for investors: Making a few mistakes with your diet usually isn't catastrophic, but making even a few poorly timed decisions with market timing or stock picking can have a lasting impact on your financial future.   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.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/0ce92d=======================This is the question I get more than any other after 15 years of doing this: how much can you actually spend in retirement without running out of money? John and Tina are 60, sitting on two and a half million dollars, and ready to retire. They want to travel. They want to finally renovate the house. They just don't know if their portfolio can actually support it. This video is the exact numbers we ran for them, and what we found changed how much they thought they could spend. We're going to cover: - the withdrawal rate in year one that looks dangerously high, until you see what happens to it seven years later- why their tax bill was basically zero for the first few years of retirement, and the mistake that would have cost them thousands if we hadn't caught it- the extra $40,000 a year we found room for without touching their core lifestyle at all- the one risk that could unravel their entire plan in the first seven years, and how we stress tested for it- how we restructured their portfolio so a market crash doesn't force them to sell at the worst possible time--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️Get Started Here.Join the new Root Collective HERE!

Most of us equate a satisfying retirement with achieving a specific savings goal. We dream of the day when the work alarm clock is silenced, the 401(k) is plump, and we can finally enjoy life on our terms. But recent research challenges this traditional thinking, revealing that while money matters, it's far from the only factor—sometimes not even the most important one. Why Half of Retirees Aren't Truly HappyOnly about half of retirees say their retirement is “very satisfying,” with most others falling into the “moderately satisfied” category and about 10% not satisfied at all. This leaves a pressing question—what separates those beaming with contentment from those just “okay” or unhappy after leaving the workforce?There is a tendency to assume money is the main culprit. Yet new research suggests a much smaller role for finances than is commonly believed, especially compared with other often-overlooked factors.Four Pillars of Retirement SatisfactionSavings:Your total nest egg, everything you've saved apart from your home.Lifetime Income:The predictable, recurring payments you'll receive for life—think Social Security and pensions.Health:How you rate your physical condition.Social Connections:The strength and depth of your relationships, measured by how connected and supported you feel.I talk about how these four pillars interact, and—most importantly—how none alone can compensate for a shortfall in another. For instance, having vast savings won't make up for a lack of social connections or poor health.The Surprising Power of Lifetime Income and Social ConnectionWhile retirees with over $1 million in savings and high lifetime income are the most satisfied (77%), those with far less in savings but significant guaranteed income (like Social Security) closely trail in happiness (73%). The reliability of a regular paycheck in retirement can be more psychologically satisfying than simply having a large pile of assets.But the single strongest predictor of retirement satisfaction, after controlling for all factors, was not money at all—it was social connection. Having a strong circle of friends was associated with higher satisfaction than having a seven-figure bank account.Positive social connections can even offset the effects of deteriorating health. Retirees with fair health but strong friendships are nearly as satisfied as those with excellent health but few friends.The Weakest Link: Why All Four Factors MatterThese factors stack rather than substitute. You can't out-save your way out of loneliness, nor can vibrant health buy your way out of financial insecurity. Satisfaction is governed by your weakest link—so maximizing all four areas is key.So, how can you prepare for a truly satisfying retirement? Strengthen Social Ties: Identify work-based friendships at risk of fading after retirement, and make efforts to integrate them into your new routine. Join clubs or volunteer—even before you retire—to lay strong social foundations.Prioritize Health: Invest in your well-being through activities that blend exercise and social engagement (think pickleball or group classes).Maximize Lifetime Income: Consider strategies like delaying Social Security to increase your guaranteed monthly income.Develop a Holistic Plan:Don't just focus on your “magic number.” Plan for your daily life—how you'll spend your time and with whom—after the paychecks stop.Your “Retirement Number” Isn't EnoughIn the end, financial security is essential, but it's only half the equation. To enjoy the best years of your life, cultivate health and meaningful relationships, and find purpose beyond work. Start addressing your weakest pillar today, and you'll build not just a wealthy retirement, but a happy one.Outline of This Episode[04:10] Understanding retirement satisfaction[07:41] Different types of retirement money[10:26] Explaining the Income Lab tool[14:45] Importance of health and connections[17:05] Balancing life priorities[20:31] Work as social infrastructure[23:41] Importance of holistic retirement planningResources MentionedHealth and Retirement StudyIncome LabWHO Commission on Social ConnectionOur Epidemic of Loneliness and Isolation: The U.S. Surgeon General's Advisory on the Healing Effects of Social Connection and CommunityDavid Blanchett Connect With Scott WellensSchedule a discovery call with ScottSend a message to ScottVisit Fortress Planning GroupConnect with Scott on LinkedInFollow Scott on TwitterFortress Planning Group on FacebookSubscribe to Best In WealthAudio Production and Show notes byPODCAST FAST TRACKhttps://www.podcastfasttrack.comPodcast Disclaimer:The Best In Wealth Podcast is hosted by Scott Wellens. Scott Wellens is the principal at Fortress Planning Group. Fortress Planning Group is a registered investment advisory firm regulated by the US Securities and Exchange Commission in accordance and compliance with securities laws and regulations. Fortress Planning Group does not...

Send us Fan MailA dad can do a lot of things “right” and still miss the point. This conversation with Dave Welty hit me because he doesn't talk about fatherhood like a performance; he talks about it like a practice: show up, mean what you say, and take a breath when your kid is having a rough day. Dave Welty is the CEO and founder of Avier Wealth Advisors, a long-running wealth advisory firm in Bellevue, Washington.  However, what stood out most was his honesty about the moments that shaped him as a parent, from growing up with serious financial stress to learning, in real time, how to connect with two sons who are wired completely differently.We dig into what it looks like to support a kid without trying to control the story. Dave shares how his younger son, adopted from Guatemala, found joy and identity through live music, and how a simple daily routine during COVID turned into real trust and confidence. We also talk about youth sports and the pressure cooker it can become for families, including the moment Dave's son called him out for sideline coaching. Instead of doubling down, Dave listened and changed, and that shift is a blueprint for any parent trying to lead with humility.You'll also hear Dave's perspective on resilience and values: why your word matters, why presence matters more than perfection, and why opportunity is not evenly distributed. We even get into the leadership side of his work, including building a more diverse team on purpose and creating an environment where clients can feel seen and safe. If you care about fatherhood, parenting mindset, adoption, youth sports parenting, and leadership at home, this one stays with you. Subscribe to The Quarterback Dadcast, share this with a parent who needs it, and leave a review so more dads can find the show.Support the showPlease don't forget to leave us a review wherever you consume your podcasts!  Please help us get more dads to listen weekly and become the ultimate leader of their homes! 

Five million dollars sounds like more than enough to retire. The real question is whether it supports the life you actually want to live.In this episode, Ari responds to a listener planning to retire around age 55 with roughly $5.1 million and spending close to $16,000 to $17,000 per month. On the surface, the math looks close. A simple rule might suggest it works. But real retirement decisions are rarely that simple.The first layer is structure. How much of that money is in pre tax accounts versus a brokerage account. When most assets are locked inside retirement accounts, access, taxes, and flexibility all become part of the equation.The second layer is concentration. A portion of the portfolio is tied to company stock. That can create opportunity, but it can also introduce risk if too much of the plan depends on a single position. Diversification becomes less about theory and more about protecting the outcome.Then comes the part most plans skip. Lifestyle. Spending is not static. The early years often look different from later years. More travel. More activity. More flexibility. A flat monthly number rarely captures how retirement actually unfolds.Ari also challenges the idea that every dollar needs to be optimized. In some cases, working longer, spending differently, or even pursuing a hobby that costs money can improve quality of life more than maximizing an ending balance.The takeaway is simple. A strong portfolio creates options. The real decision is how to use those options in a way that aligns with your priorities, your time, and the kind of retirement you want to build.--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA  is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.