Podcasts about Advisory

Some retirees have more money than they ever imagined… and still feel guilty buying the $5 M&Ms.This episode is for the lifelong savers who nailed the retirement planning side—maxed out accounts, invested consistently, hit their “number”—but feel stuck when it's time to actually spend. James and Ari share real client stories of multimillionaires who still walk past convenience to save a few dollars, not because they need to… but because the “always save” habit is so deeply wired in.In this episode, you'll hear:Why it's so hard to shift from accumulator to spenderHow a scarcity mindset can follow you into a very comfortable retirementThe “M&M moment” that exposed just how powerful old money habits can beSimple ways to practice guilt-free, intentional spending that aligns with your valuesIf you've ever asked yourself, “Is it really okay to spend this in retirement?” this conversation will help you see your money as a tool for memories, not just a balance sheet number.-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.

Some retirees have more money than they ever imagined… and still feel guilty buying the $5 M&Ms.This episode is for the lifelong savers who nailed the retirement planning side—maxed out accounts, invested consistently, hit their “number”—but feel stuck when it's time to actually spend. James and Ari share real client stories of multimillionaires who still walk past convenience to save a few dollars, not because they need to… but because the “always save” habit is so deeply wired in.In this episode, you'll hear:Why it's so hard to shift from accumulator to spenderHow a scarcity mindset can follow you into a very comfortable retirementThe “M&M moment” that exposed just how powerful old money habits can beSimple ways to practice guilt-free, intentional spending that aligns with your valuesIf you've ever asked yourself, “Is it really okay to spend this in retirement?” this conversation will help you see your money as a tool for memories, not just a balance sheet number.-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!

Earmark Media Presents a bonus episode of Earmark Podcast:Live from Boston on the final stop of the Advisory Amplified tour, Blake sits down with James Erving from Fathom and Chris Macksey from Prix Fixe Accounting to explore what advisory services really mean beyond bookkeeping and compliance. Chris shares how his firm requires advisory for all restaurant clients, using industry expertise and operational metrics to guide decisions on everything from menu pricing to expansion timing. The conversation covers the difference between delivering information versus being integral to decision-making, with insights on forecasting, benchmarking, and why visual KPIs help clients with low financial literacy understand their business performance.Meet Our GuestsJames ErvingLinkedIn: https://www.linkedin.com/in/jameserving/Learn more about FathomOfficial website: http://fathomhq.comChris MackseyLinkedIn: https://www.linkedin.com/in/cmacksey/Learn more about Prix Fixe AccountingOfficial website: https://prixfixe.accountants/Need CPE?Get CPE for this episode: https://earmark.app/c/2912Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastClassifiedsWant to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Let the listeners of The Accounting Podcast know by running a classified ad. Go here to create your classified ad: https://cloudacctpod.link/RunClassifiedAdTranscriptsThe full transcript for this episode is available by clicking on the Transcript tab at the top of this page

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The Essential Checklist for High-Income Earners: Maximize Your Financial EfficiencyWelcome to The Abundance Mindset Podcast! In this episode, we discuss the high income earner checklist, focusing on common financial patterns and mistakes. We dive into 401(k) maximization strategies, tax planning, cash flow systems, and more, providing questions and insights to help you optimize your financial decisions as your income grows. Not personalized advice, but a great starting point for thoughtful financial planning.

This podcast episode features the third panel discussion of the day at Artemis London 2025, a session focused on the non-catastrophe opportunities in ILS, from our fourth cat bond and insurance-linked securities (ILS) conference in the City of London, UK, held on September 2nd 2025. The panel, titled "Broadening the non-cat ILS landscape", was moderated by Des Potter, Special Advisor, Lloyd's (INED – Howden Capital Markets & Advisory). He was joined by: Jonathan Gray, Chief Underwriting Officer, Pool Re; Sébastien Bamsey, Managing Director, Howden Capital Markets & Advisory; Callum O'Rourke, Vice President, Neuberger Berman; and Fergus Reynolds, Head of ILS, Cedar Trace. Our expert speakers discussed the non-catastrophe insurance-linked securities market, highlighting its still relatively small but now growing size. Key areas of focus included terrorism, cyber, and quota share structures to access broader types of risk, as well as innovations around stop-loss notes and the potential for investors to access new classes of risk via Lloyd's.  The panel emphasised the need for transparency, modelling accuracy, and building investor comfort, particularly in non-property risks.  They also discussed the role of London Bridge in facilitating ILS transactions at Lloyd's and the importance of continued regulatory responsiveness and cost-efficiency.  The conversation underscored the potential for growth in non-cat ILS, driven by demand for flexible capital and diversification benefits, but also noted that communicating the opportunity is key with both cedents and investors. Listen to this full podcast episode from our Artemis London 2025 conference to learn more about insurance-linked investment opportunities outside of catastrophe risks.

A cancer diagnosis changed everything. When Michael's wife began chemo, time took on a new meaning. The long-term financial plan suddenly felt secondary to the years they still had together. That wake-up call led Michael, then 57, to retire a full decade earlier than planned, trading more income for more life.In this conversation with James, Michael shares the mindset shift that made him walk away from a thriving career and a team he loved leading. He opens up about the guilt of leaving, the relief that followed, and the realization that a company replaces you faster than you think.They also explore how a lifetime of small, consistent choices (early saving, investing through dividend reinvestment plans, and living below his means) gave Michael the freedom to say yes when life demanded it most. Now, his days are wide open: hiking sections of the Appalachian Trail, rediscovering old hobbies, and savoring the quiet moments that used to rush by.It's an honest look at what happens when money finally becomes a tool for time, not the other way around.Want to be a guest on James' show to help others by sharing your story? Complete this form: https://vwo3759x8i7.typeform.com/to/IwyScIeR-Michael is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.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!

Join host Cherryh Cansler as she sits down with Brian Choi, CEO of The Food Institute, to tackle the biggest challenges facing restaurants in 2026. With consumer sentiment at 50-year lows and economic uncertainty looming, Brian shares his Wall Street expertise and food industry insights on how fast casual brands can thrive. Discover why going back to basics, leveraging social media, and embracing global flavors are key to success. Learn about emerging trends from West African cuisine to GLP-1-friendly menus, plus practical strategies for managing rising costs while keeping customers excited about your brand.#FastCasualNation #RestaurantIndustry #FoodTrendsGet 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

In this episode, Lee Reams II and Rebekah Barton break down the impact of Intuit's new $100M partnership with OpenAI and what it means for the future of the profession. Clients are no longer starting with Google or referrals. They're starting with AI — and they trust the answer.We cover:Why the compliance-first model is getting compressedHow AI has become the new referral sourceWhy advisory is not just for high-net-worth clientsThe human moat: what AI can't replaceThe Four Pillars of Trust in the AI eraHow narrative, positioning, and visibility determine who AI recommendsThis is not the end of the profession — it's the end of the old profession. Advisory-first firms will become the obvious choice. Here's how to thrive.

In this episode of Building the Premier Accounting Firm, Roger Knecht welcomes Shauna Wekherlien, known as the Tax Goddess, a top 1% US tax strategist, to discuss building a premier accounting firm. They explore Shana's journey from astrophysics to tax, the power of branding, writing a book for client authority, and strategies for effective tax planning versus preparation. In This Episode: 00:00 Introducing Shana The Tax Goddess 02:02 From Astrophysics to Tax Goddess 05:09 The Accidental Brand: Tax Goddess 09:52 Overlooked Tax Deductions for Businesses 15:00 Tax Preparation vs. Tax Planning 22:24 Managing Tax Audits and Offshoring 29:26 The Entrepreneurial Journey & Gratitude 39:37 Closing Thoughts and Resources Key Takeaways: Build a thriving accounting firm by focusing on quality services and proper pricing. Develop a unique brand to distinguish your business and attract ideal clients. Leverage a book as a "calling card" to establish authority and pre-qualify clients. Differentiate between tax preparation and tax planning to clearly define client expectations. Consider offshore teams to manage administrative tasks and support growth efficiently. Featured Quotes: "If your mama, your goddess gets upset, what do you do? You figure it out, right?" — Shauna Wekherlien "In today's day and age, writing a book is effectively a really long calling card." — Shauna Wekherlien "Do what makes you feel in love with life." — Shauna Wekherlien Behind the Story: Shana recounts her personal motivation for entering the tax profession after seeing her mother struggle with tax issues. This led her to challenge traditional firm structures and build her own company, Tax Goddess Business Services PC, in 2004. Her unique brand, "The Tax Goddess," emerged serendipitously during a networking event, demonstrating the power of authenticity in business. She further cemented her authority by writing "The 6% Life," a narrative-driven book designed to educate and attract clients. 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: Shauna, the Tax Goddess, CPA, MTax, CTC, CTP, CTS, Top 1% The 6% Life is a way for business owners and entrepreneurs to reduce their taxes to pay 6% or less every year by using the same strategies, tactics, and day-to-day financial changes that Shauna cultivated over her last 25 years in becoming a leader in the https://www.amazon.com/Life-Strategies-Successful-Entrepreneurs-Consistently/dp/0996032916   Get a FREE copy of these books all accounting professionals should use to work on their business and become profitable.  These are a must-have addition to every accountant's library to provide quality CFO & Advisory services as a Profit & Growth Expert today: "Red to BLACK in 30 days – A small business accountant's guide to QUICK turnarounds" – This is a how-to guide on how to turn around a struggling business into a more sustainable model. Each chapter focuses on a crucial aspect of the turnaround process - from cash flow management to strategies for improving revenue. This book will teach you everything you need to become a turnaround expert for small businesses. "in the BLACK, nine principles to make your business profitable" – Nine Principles to Make Your Business Profitable – Discover what you need to know to run the premier accounting firm and get paid what you are worth in this book, by the same author as Red to Black – CPA Allen B. Bostrom. Bostrom teaches the three major functions of business (marketing, production and accounting) as well as strategies for maximizing profitability for your clients by creating actionable plans to implement the nine principles. "Your Strategic Accountant" - Understand the 3 Core Accounting Services you should offer as you run your business. help your clients understand which numbers they need to know to make more informed business decisions. "Your Profit & Growth Expert" - Your business is an asset. You should know its value and understand how to maximize it. Beginning with the end in mind helps you work ON your business to build a company you can leave so that it can continue to exist in your absence or build wealth as you retire and enjoy the time, freedom, and life you want and deserve. Learn what it is you can do to become an author, leveraging your expertise to market your services effectively and get the clients you deserve.  This is a webinar you don't want to miss.  Learn from Mike Capuzzi what a Shook is and how you can use it to position yourself as the Premier Accounting Firm in your area.  This is a must-see presentation so get ready to take some great notes.   In addition to becoming an author, see what you can do to follow the Turnkey Business plan for accounting professionals.  After more than 40 years we've identified the best practices of successful accountants and this is a presentation we are happy to share.  Check it out and see what you can do to be in business for yourself but not by yourself with Universal Accounting Center.   It's here you can become a:   Professional Bookkeeper, PB Professional Tax Preparer, PTP Profit & Growth Expert, PGE   Next, join a group of like-minded professionals within the accounting community.  Stay up-to-date on current topics and trends and see what you can do to also give back, participating in relevant conversations as they relate to offering quality accounting services and building your bookkeeping, accounting & tax business.   The Accounting & Bookkeeping Tips Facebook Group The Universal Accounting Fanpage Topical Newsletters: Universal Accounting Success The Universal Newsletter   Lastly, get your Business Score to see what you can do to work ON your business and have the Premier Accounting Firm. Join over 70,000 business owners and get your score on the 8 Factors That Drive Your Company's Value.   For Additional FREE Resources for accounting professionals check out this collection HERE!   Be sure to join us for GrowCon, the LIVE event for accounting professionals to work ON their business. This is a conference you don't want to miss.   Remember this, Accounting Success IS Universal. Listen to our next episode and be sure to 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 accounting, bookkeeping & tax business please visit us at www.universalaccountingschool.com or call us at 8012653777

A law firm is acting as a disrupter in the profession - changing the way people work, in what's traditionally been a rigid workplace. Prue Tyler founded Shift Advisory after trying to work part time with young children in a big law firm. Prue spoke to Ingrid Hipkiss.

Jeremy Wendt sits down with Chuck Craig from Tennessee Tech University to talk about the importance of student advising and mentorship. Together, they explore how strong advising relationships help students find their path, stay engaged, and make the most of their college experience. Chuck shares insights from his work at Tech and how the university is continually improving student support to ensure every Golden Eagle has the tools to succeed. Listen To The Local Matters Podcast Today! News Talk 94.1

Marissa Thomas, CEO and Co-founder of Unity Advisory, joined Emma Carroll, Head of Content at Source, on the latest episode of our The Future of the Firm podcast to discuss the learnings and challenges of combining deep expertise with AI-enabled delivery to create a new advisory firm that's fit for the modern market.   Marissa shared her insights on the following matters and more:     How co-founders Thomas and Steve Varley saw a disruptive opportunity from three angles—AI and other exciting technologies, what experts want from their careers, and what clients really need—to launch Unity Advisory in March 2025.    One benefit of launching a firm in today's landscape is being able to take a comprehensive AI approach: Unity Advisory is "AI born, not AI-retrofitted".  Unity strives to focus on the service areas where clients want more choice, feel there is a supply shortage, or are inconsistently served.   Having found that the traditional hours and rates model is not well-loved by clients, Unity is using a combination of fixed and outcomes-based fees, including fees linked to metrics like satisfaction and cost savings.   The combination of engineering or coding skills and deep technical knowledge in areas like finance or tax is becoming an increasingly valuable asset when forming a team of experts.  If you enjoyed this conversation, don't miss our sister podcast, Business Leader's Voice. In a recent episode, we talked to Ahmed Abdel Wahab, General Manager for India at Mars, about how to be a truly authentic leader in a time of volatility like today.  

Retiring by 55 sounds incredible, but it takes more than hitting a savings target. You need to understand how to bridge the gap between your last paycheck and the life you want to live.In this episode, Ari Taublieb, CFP®, shares the five things every early retiree should know before calling it quits. From the overlooked “Rule of 55” to navigating healthcare costs and tax traps, this guide helps you move forward with confidence in your plan instead of crossing your fingers.Here's what we cover:The Rule of 55 — how it lets you access 401(k) funds early (and the key mistake that disqualifies you).Healthcare before Medicare — how to budget smartly, use tax strategies, and avoid sticker shock.Taxes & Withdrawal Strategy — why a $2M 401(k) isn't really $2M, and how to create real after-tax income.Legacy Goals — whether you want to leave a million or spend it all, your intentions should drive your plan.Lifestyle & Purpose — how to avoid the “I'm bored already” phase and build fulfillment into your retirement.Retiring early isn't about escaping work, it's about creating a life you don't want to escape from.If you're serious about retiring at 55 (or sooner), this episode helps you think beyond the math so you can design your freedom with purpose.-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.

Join Paul Barron and the Restaurant Masterminds team—Paul Molinari, Anna Tauzin, and Rudy Miick—as they dive deep into fast casual trends shaping 2026. From Dave's Hot Chicken's billion-dollar valuation to Cava's impressive 28% growth, discover why only some of the 3,500+ fast casual brands will survive the coming consolidation. The team explores the chicken wars, international expansion strategies, AI integration, rising labor costs, and the critical "fourth dimension" of experiential dining that's redefining customer expectations. Plus, get insider picks on emerging brands to watch including Mendocino Farms, Tatte, and Brazilian newcomer Tap. Don't miss their predictions on which concepts will achieve escape velocity and why McDonald's departure from the NRA signals major industry shifts ahead.~This episode is sponsored by: Gusto → https://gusto.pxf.io/PBN ~ #1 rated HR platform for payroll, benefits, and more With Gusto's easy-to-use platform, you can empower your people and push your business forward. See why over 400,000 businesses choose Gusto.#FastCasual #RestaurantIndustry #RestaurantTrendsGet 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

Forget the race for the biggest Social Security check. The real question isn't how high your benefit can go, it's how well it fits your life, taxes, and long-term plan.In this episode, James breaks down how the timing of your claim shapes everything: portfolio resilience, tax efficiency, survivor benefits, and the freedom to retire when you want, not when the system says you should.Starting with the foundation (your 35 highest earning years) we unpack what really happens when you claim early, wait for full retirement age, or delay until 70. You'll hear how each path affects your taxable income, Roth conversion opportunities, and even the size of your surviving spouse's check.It's not about chasing an 8% “return” on delay; it's about coordination. For those with meaningful savings in 401(k)s or IRAs, waiting can unlock a powerful tax window that permanently lowers RMDs. And for those still working or navigating a market downturn, claiming early can sometimes protect your portfolio from harmful withdrawals.By the end, you'll see how aligning Social Security with your health, income sources, and retirement goals builds an income floor that funds confidence, not just checks.-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!

Shawn Tydlaska built the kind of firm most advisors dream about—steady referrals, a growing team, and over $1 million in annual revenue. But behind the milestones was a different story.In this episode of The Advisor Journey, Shawn sits down with Dasarte to talk about what happens after you hit every goal and still feel stuck. He opens up about burnout, redefining success, and the decision to stop drinking—an act that forced him to face the parts of himself he'd buried beneath constant work.From scaling too quickly to rebuilding his firm around balance, family, and purpose, Shawn shares the lessons that helped him reconnect with the “why” behind his business. This isn't a story about exponential growth—it's about learning when to slow down, recalibrate, and build something that truly lasts.ABOUT ALTRUIST: We're on a mission to make independent financial advice better, more affordable, and accessible to everyone. As a modern custodian, Altruist helps high-growth, client-centric, and tech-forward RIAs deliver great advice to more clients at lower costs. Want to find out how Altruist can help you grow? Talk to our team by visiting www.altruist.com/talk-to-us STAY CONNECTED: Instagram ► https://www.instagram.com/altruistcorp/ Twitter ► https://x.com/altruist Linkedin ► https://www.linkedin.com/company/altruistcorp/ ABOUT THE ADVISOR JOURNEY: Real-life strategies for the modern financial advisor who's ready to scale. Join Altruist leaders and guests as they share proven tactics, unfiltered advice, and hard-won lessons you can apply to your own practice. These conversations will propel your career to the next level—don't miss it. Disclaimer: Altruist Corp ("Altruist") offers technology and tools designed to help financial advisors achieve better outcomes. Advisory and certain other services are provided by Altruist LLC, an SEC-registered investment adviser, and brokerage related products and services are provided by Altruist Financial LLC, a member of FINRA/SI...

In this episode, Rory speaks with Dr. Sean Stein Smith, CPA, professor at Lehman College, Forbes contributor, and advisory board member of the Wall Street Blockchain Alliance, to explore how artificial intelligence and blockchain are transforming the accounting and advisory profession. Discover how blockchain delivers trust and transparency while AI drives speed, pattern recognition, and efficiency across payments, banking, finance and wealth management. Sean discusses how firms like BlackRock and SoFi are leveraging AI to automate decision-making and enhance client experience, and he shares his perspective on Sam Altman's $1.4 trillion AI bet and whether we are in a bubble or a sustainable transformation. Find out why the real opportunity lies in combining technology with human insight and why communication, soft skills, or what he prefers to call business skills, will define the next generation of advisory professionals. Sean also shares how automation is shifting firms from transactions to transformation and why the CPA license remains a powerful mark of trust in a digital-first world. Want to know how CPAs and advisors can harness AI to elevate their services and strengthen client relationships? Find out in this AI & Blockchain podcast with Dr. Sean Stein Smith.

Eric and Bruce discuss the Broncos being home underdogs to the Chiefs on Sunday. What are the Broncos chances of winning and what would a win do for the team? Who needs this game more? NFL quarterback rankings - has Bo Nix regressed this season? Rick George is stepping down as University of Colorado's Athletic Director and will take an advisory role. Is the timing on this a little suspicious? Plus, with the Giants naming Jameis Winston the starter, is Russell Wilson's career finished? Check out a Football Friday edition of Hot Takes with Eric Goodman and Bruce Haertl! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, President and Senior Financial Planner Paul L. Moffat and Director of Financial Planning Jordan Naffa take a closer look at the 2025 government shutdown and its real impact on the U.S. economy and investors. Despite political noise and media headlines, history shows that markets have remained resilient through previous shutdowns and often even posted gains.Paul and Jordan discuss the difference between disruption and collapse, explain what continues to function during a shutdown, and share how investors can maintain perspective amid political uncertainty. They highlight lessons from past shutdowns, explore why the economy rarely comes to a standstill, and outline practical steps for investors to stay disciplined and focused on long-term goals.In this episode: ● What a government shutdown actually is and how it affects essential vs. non-essential services ● Why markets historically remain stable or even positive during shutdowns ● The difference between political noise and true economic impact ● How investor behavior can influence outcomes more than headlines ● Key steps investors can take now: review your plan, rebalance portfolios, and stay the course ● How diversification and global exposure can buffer against domestic disruptionsIf you have any questions, call the Arista Wealth Management office located in Las Vegas, NV at 702-309-9970Connect with Arista Wealth:Website: https://www.aristawealth.comEmail: support@aristawealth.comThe 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 during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital: 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.

In this episode of Retirement Reality, Darren shares what it's really like to walk away from work at 54 and why it still feels surreal. After decades of saving, hitting his number, and paying off the house, a company reorg gave him the push he needed to finally make the leap.He talks about how it feels to go from structure to freedom overnight, what surprised him about early retirement, and why he refuses to see it as a “forever” decision. For Darren, this season isn't about stopping life — it's about living it on his own terms.The conversation dives into what so many retirees quietly wrestle with: the emotional side of letting go, the fear of spending after years of saving, and the question of who you are without a job title. It's honest, grounded, and a reminder that retirement isn't an ending, it's just a different kind of beginning.Want to be a guest on James' show to help others by sharing your story? Complete this form: https://vwo3759x8i7.typeform.com/to/IwyScIeR-Darren is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.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!

The message could not be clearer, according to Jean Eddy: young people must be given the chance to know themselves deeply and to explore widely in order to find their place in the world. Eddy, Executive Chair and Advisory to the Board of Directors at American Student Assistance (ASA), shares her story and call to action in this episode.Read Eddy's Book: Crisis-Proofing Today's Learners: Reimagining Career Education to Prepare Kids for Tomorrow's WorldThe Network is all about discovering the CAPS Model. The CAPS Network is a 501(c)3 supporting over 130 programs, in 20+ states and 4 countries. CAPS reimagines education to be a learner centered, profession based experience that catapults young people into passion and purpose. CAPS is going where students lead.Find us!Twitter: @capsnetLinkedIn: CAPS NetworkFacebook: CAPS NetworkInstagram: @capsnetwork

Join Fast Casual Nation hosts Paul Barron and Cherryh Cansler as they sit down with Stephanie Perdue, VP of Brand Marketing at Chipotle Mexican Grill, to discuss how the fast casual leader is navigating industry challenges. Learn about Chipotle's accelerated menu innovation strategy, including fresh sauces made daily and the new Build Your Own meal for groups. Discover how they're winning back Gen Z through gamification, the Chipotle U rewards program, and transparent food storytelling. Stephanie shares insights on digital transformation with 38% of sales now digital, AI initiatives empowering crew members, and the strategic roadmap for 2026 amid industrywide headwinds.#FastCasual #RestaurantIndustry #ChipotleEpisode Highlights0:00 - Intro & fast casual overview0:19 - Economic shifts & traffic decline0:46 - Guest: Stephanie Perdue, VP of Brand at Chipotle1:17 - Rise of “micro meals” & snacking trend3:10 - How fast casual brands are adapting4:20 - Gen Z habits & fewer restaurant visits5:12 - Inside Chipotle's marketing & menu innovation7:46 - Gen Z's love for bold flavor & customization8:00 - New family meal concept & digital ordering10:05 - Convenience for families & busy lifestyles12:00 - Connecting with Gen Z through rewards & authenticity13:49 - Balancing quality, value, and rising costs14:38 - Using creators to highlight real ingredients15:55 - Portion size debate & customer perception17:34 - Rewards, nutrition goals & app experience19:46 - Listening to customers & TikTok hacks20:30 - New sauces & flavor innovationGet 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

Welcome to another episode of Building the Premier Accounting Firm. Today, host Roger Knecht welcomes Mark Myers, a former Marine and CEO of Tax Wise Partners, to discuss his journey from managing health clubs to specializing in tax advisory. This episode delves into effective tax planning strategies, the power of B2B collaborations for accounting firms, and personal insights on entrepreneurship and work-life balance. In This Episode: 00:00 Introduction to Mark Myers 02:16 From Operator to Tax Consultant 06:39 The Value of Tax Planning 09:27 B2B Marketing for Tax Strategies 13:19 Collaboration and Pricing Model 17:46 Business Mantra & Ideal Client 21:51 Entrepreneurial Journey & Freedom 27:37 Sacrifices, Gratitude, and Legacy 33:03 Advice for Budding Entrepreneurs 37:58 Charitable Giving & Final Thoughts 46:50 Podcast Wrap-up and Resources Key Takeaways: Explore tax efficiency beyond standard preparation by understanding the 75,000 pages of tax code. Leverage B2B partnerships with RIAs, CPAs, EAs, and bookkeepers to expand service offerings without increasing bandwidth. Prioritize service quality and responsiveness to maintain strong relationships with strategic partners and their clients. Identify ideal clients for advanced tax strategies, typically those with $400,000+ in ordinary income or significant capital gains. Plan your entrepreneurial transition by securing a baseline income and managing expenses to reduce stress. Featured Quotes: "There's 75,000 pages of tax code. There's a lot of ways to reduce your taxes if you know where the coupons are." — Mark Myers "You only have so much time in a day and there's compliance work that has to be done… Where do you have time to figure out what is possible, not just what's the norm?" — Mark Myers "I always say, don't take that huge jump and say, 'I'm just gonna figure it out.' Retract as much as you can… and have some metric of income that can at least get you 80 or 90% to your number." — Mark Myers Behind the Story: Mark Myers recounts his unexpected entry into the tax world, initially drawn by the tax efficiency of insurance in estate planning. His experience as an operator, focused on revenue and margins, gave him a unique perspective on optimizing finances. This led to his specialized B2B tax advisory model, partnering with existing financial professionals to offer advanced tax strategies without competing with their core services. He reflects on the personal sacrifices and the unwavering support of his wife during the challenging early days of building his business, emphasizing the importance of planning transitions. Top 3 Highlights: Tax Strategy Specialization: Mark Myers focuses solely on tax planning, differentiating it from tax preparation to offer significant savings (average 50%) to clients. B2B Partnership Model: Instead of direct client marketing, Mark Myers collaborates with CPAs, RIAs, and bookkeepers, providing advanced tax advisory as a complementary service. Strategic Entrepreneurship: Mark Myers advises aspiring business owners to plan their transition carefully, secure a baseline income, and manage expenses to mitigate stress. 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: Book a Free Consultation & possible partnership - https://taxwisepartners.com/   Get a FREE copy of these books all accounting professionals should use to work on their business and become profitable.  These are a must-have addition to every accountant's library to provide quality CFO & Advisory services as a Profit & Growth Expert today: "Red to BLACK in 30 days – A small business accountant's guide to QUICK turnarounds" – This is a how-to guide on how to turn around a struggling business into a more sustainable model. Each chapter focuses on a crucial aspect of the turnaround process - from cash flow management to strategies for improving revenue. This book will teach you everything you need to become a turnaround expert for small businesses. "in the BLACK, nine principles to make your business profitable" – Nine Principles to Make Your Business Profitable – Discover what you need to know to run the premier accounting firm and get paid what you are worth in this book, by the same author as Red to Black – CPA Allen B. Bostrom. Bostrom teaches the three major functions of business (marketing, production and accounting) as well as strategies for maximizing profitability for your clients by creating actionable plans to implement the nine principles. "Your Strategic Accountant" - Understand the 3 Core Accounting Services (CAS - Client Accounting Services) you should offer as you run your business. Help your clients understand which numbers they need to know to make more informed business decisions. "Your Profit & Growth Expert" - Your business is an asset. You should know its value and understand how to maximize it. Beginning with the end in mind helps you work ON your business to build a company you can leave so that it can continue to exist in your absence or build wealth as you retire and enjoy the time, freedom, and life you want and deserve. Follow the Turnkey Business plan for accounting professionals.  This is the proven process to start and build the premier accounting firm in your area.  After more than 40 years we've identified the best practices of successful accountants and this is a presentation we are happy to share.     Also learn the best practices to automate and nurture your lead generation process allowing you to get the bookkeeping, accounting and tax clients you deserve.  GO HERE to see this presentation and learn what you can do today to identify and engage with your ideal clients.   Check it out and see what you can do to be in business for yourself but not by yourself with Universal Accounting Center.   It's here you can become a:   Professional Bookkeeper, PB Professional Tax Preparer, PTP Profit & Growth Expert, PGE   Next, join a group of like-minded professionals within the accounting community.  Register to attend GrowCon and Stay up-to-date on current topics and trends and see what you can do to also give back, participating in relevant conversations as they relate to offering quality accounting services and building your bookkeeping, accounting & tax business.   The Accounting & Bookkeeping Tips Facebook Group The Universal Accounting Fanpage Topical Newsletters: Universal Accounting Success The Universal Newsletter   Lastly, get your Business Score to see what you can do to work ON your business and have the Premier Accounting Firm. Join over 70,000 business owners and get your score on the 8 Factors That Drive Your Company's Value.   For Additional FREE Resources for accounting professionals check out this collection HERE!   Be sure to join us for GrowCon, the LIVE event for accounting professionals to work ON their business. This is a conference you don't want to miss.   Remember this, Accounting Success IS Universal. Listen to our next episode and be sure to 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 accounting, bookkeeping & tax business please visit us at www.universalaccountingschool.com or call us at 8012653777  

In this episode on Certificates of Deposit (CDs) as investments, we talk about the nuanced decision-making involved in purchasing CDs and whether or not CDs are good investments, particularly in a rising interest rate environment, and we explain why interest rates are the only factor you need to consider. Wealth creation isn't solely dependent on CD rates, and we need to consider the impact of inflation and interest rates to gain a comprehensive financial perspective. The episode also explores how government strategies to combat inflation by adjusting interest rates impact not only investors, but also shape the attractiveness of CDs as an investment option. In a rising interest rate environment, buying CDs may seem like a good idea but it depends on your needs and goals. Wealth isn't created by buying a CD based on a rate. It's created by understanding why the rate may not be all that important. Banks look at what is known as the federal funds rate, also known as a benchmark rate. This is the rate banks charge one another to borrow money overnight that's needed to maintain reserve requirements. Upstream in the decision making process is the Federal Open Market Committee or FOMC, who meet throughout the year to discuss and set monetary policy. Within these policies, rates are set and typically linked to inflation. When those rates are set, banks may adjust rates on loans, deposits and certificates of deposit. But just like any business, banks will adjust rates to compete in their market as they seek to cover their costs and maintain a profit. CDs specifically are an attractive tool for banks, because unlike a deposit account, CDs actually lock up customers with a maturity date, which gives banks better control of their cash flow. The higher rates draw in customers seeking to maximize their returns. Rates on CDs matter, but not as much when you factor in inflation and interest rates. If inflation is at 7% and interest rates are at 5%, the net is 2%. The same is true if inflation is at 0% and interest rates are at 2%. You have to look at both numbers to get a full picture. When you consider the gridlock within the housing market and the amount of debt our government holds, it's hard to believe rates can remain elevated over the long term. The government is desperately trying to combat inflation by raising rates. These higher rates not only impact consumers, but they also impact the government. According to the Congressional Budget Office, or CBO, in June of 2023, they projected that annual net interest costs on the federal debt would total $663 billion in 2023 and almost double over the next decade. Interest payments would total around $71 trillion over the next 30 years, taking up to 35% of all federal revenue by 2053. These numbers are impacted by interest rates and with lower rates come lower interest payments, so the government has reasons to see rates lower than they currently are. The question is: Does it make sense to lock in CD rates while rates are high? It depends. If you have money sitting in a bank account that you don't need and the CD rate is offering a higher rate than your savings, then it might be a good option. A good idea is to compare CD rates to other options like fixed annuities and money markets since they share some similarities but also have a few key differences that could make one choice better for your situation. Certificates of Deposit are offered by banks as a savings account that offers a fixed interest rate over a specified period of time, ranging from one month up to five years. They carry penalties if funds are removed before maturity, and they're FDIC insured up to $250,000. Fixed Rate annuities are issued by insurance companies and are financial products that offer a fixed interest rate over a specified period of time. Early withdrawals can incur a penalty, and interest earnings are tax deferred until you start taking distributions. The guarantees are backed by the claims paying ability of the insurance company and are insured by what is known as the State Guarantee Association. Money markets are funds issued by financial institutions that are backed by highly liquid short maturity investments. Maturities usually range from overnight to just under a year, and assets can be quickly converted to cash with minimal loss of value. They are generally considered more risky than a bank, CD or insurance company annuity, and the underlying investments include such things as treasury bills, commercial paper and CDs. While CDs offer the safety of fixed returns, they are not devoid of risks and limitations. It's essential to understand both the micro and macro economic factors that affect CD rates before diving in.      Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify BrianSkrobonja.com/Resources - Free Resources To Help You Protect Your Financial Future Common Sense: YOUR Guide to Making Smart Choices with YOUR Money by Brian Skrobonja "What to Know About How Banks Work" The State Guaranty Association   References for this episode: https://www.pbs.org/newshour/economy/americans-faith-in-banks-hit-low-after-failures-says-ap-norc-poll https://www.federalreserve.gov/monetarypolicy/reservereq.htm https://fortune.com/recommends/banking/will-cd-rates-go-up https://www.usbank.com/investing/financial-perspectives/market-news/federal-reserve-tapering-asset-purchases.html https://www.pgpf.org/analysis/2023/07/higher-interest-rates-will-raise-interest-costs-on-the-national-debt   Investing involves risk, including the potential loss of principal. This is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS.

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

You're Using AI Wrong (Do This Instead) Geoff Woods on ChatGPT and AI with Jeff Dudan #226 You're probably using AI wrong — and it's costing you time, focus, and real business growth. In this episode of Unemployable with Jeff Dudan, Jeff sits down with Geoff Woods, Co-Founder of The One Thing with Gary Keller and Jay Papasan, former Chief Growth Officer at Jindal Steel and Power, and author of The AI-Driven Leader. Geoff reveals why most people are majoring in the minors with AI — focusing on low-value tasks instead of high-impact strategy. He shares the CRIT Framework (Context, Role, Interview, Task) that turns ChatGPT into a true thought partner—helping leaders make faster, smarter decisions and unlock exponential results. They discuss how executives can 10x their productivity, transform meetings, and use AI for real strategic advantage — without becoming coders or data scientists. If you lead people, manage teams, or want to future-proof your business, this episode will completely change how you think about AI, leadership, and time.

You're Using AI Wrong (Do This Instead) Geoff Woods on ChatGPT and AI with Jeff Dudan #226 You're probably using AI wrong — and it's costing you time, focus, and real business growth. In this episode of Unemployable with Jeff Dudan, Jeff sits down with Geoff Woods, Co-Founder of The One Thing with Gary Keller and Jay Papasan, former Chief Growth Officer at Jindal Steel and Power, and author of The AI-Driven Leader. Geoff reveals why most people are majoring in the minors with AI — focusing on low-value tasks instead of high-impact strategy. He shares the CRIT Framework (Context, Role, Interview, Task) that turns ChatGPT into a true thought partner—helping leaders make faster, smarter decisions and unlock exponential results. They discuss how executives can 10x their productivity, transform meetings, and use AI for real strategic advantage — without becoming coders or data scientists. If you lead people, manage teams, or want to future-proof your business, this episode will completely change how you think about AI, leadership, and time.

In this edition of 'Widow Wisdom and Wealth™,' host Donna Kendrick and her husband Jim Gehan share an impromptu conversation about self-care, sleep, and community support after the loss of a spouse. They discuss the importance of creating a new normal, taking personal time, and addressing the guilt often felt by widows and widowers when they focus on their own needs. The episode highlights their personal experiences and offers practical advice for those navigating career challenges and parenthood after losing a partner.   00:00 Introduction to Widow Wisdom and Wealth 00:42 Impromptu Podcast Setup 01:37 Jim's Mecu Auto Auction Experience 02:07 Donna's Writer's Retreat in Sedona 03:01 Encouraging Self-Care and Personal Time 04:18 Balancing Career, Kids, and Self-Care 09:51 Challenges of Early Widowhood 13:10 Discussing Fast Food Preferences 13:49 Taking Care of Yourself 14:03 The Importance of Rest and Sleep 15:08 Adjusting to a New Normal 16:42 Seeking Support and Self-Care 18:25 Finding Personal Time and Hobbies 20:57 Final Thoughts and Encouragement 22:42 Closing Remarks and Contact Information     _______________________________ CONNECT  WITH DONNA

Doug and Heather Boneparth are redefining what it means to build wealth together.In this episode of The Advisor Journey, the founders of BoneFide Wealth share how partnership in both life and business has shaped their approach to advising clients and leading a modern firm. They discuss the lessons behind their new book Money Together, their experience transitioning over $100M in assets to Altruist, and how the right technology can strengthen client relationships.Doug and Heather reflect on the power of communication, empathy, and shared purpose in building both a family and a firm that thrive on authenticity.Advisors will take away practical insight on navigating change, embracing transparency, and creating practices that serve people as well as portfolios.ABOUT ALTRUIST: We're on a mission to make independent financial advice better, more affordable, and accessible to everyone. As a modern custodian, Altruist helps high-growth, client-centric, and tech-forward RIAs deliver great advice to more clients at lower costs. Want to find out how Altruist can help you grow? Talk to our team by visiting www.altruist.com/talk-to-us STAY CONNECTED: Instagram ► https://www.instagram.com/altruistcorp/ Twitter ► https://x.com/altruist Linkedin ► https://www.linkedin.com/company/altruistcorp/ ABOUT THE ADVISOR JOURNEY: Real-life strategies for the modern financial advisor who's ready to scale. Join Altruist leaders and guests as they share proven tactics, unfiltered advice, and hard-won lessons you can apply to your own practice. These conversations will propel your career to the next level—don't miss it. Disclaimer: Altruist Corp ("Altruist") offers technology and tools designed to help financial advisors achieve better outcomes. Advisory and certain other services are provided by Altruist LLC, an SEC-registered investment adviser, and brokerage related products and services are provided by Altruist Financial LLC, a member of FINRA/SI...

Artificial Intelligence is transforming how we work, learn, create, and even connect.But like every major shift before it, this one raises as many questions as it does opportunities.How do we use AI to enhance human potential rather than replace it?What skills will matter most in a world of intelligent machines?And what does leadership look like in an era where data canthink?In this week's episode, our podcast producer, Holly Schaaf, sits down with McCrindle's Director of Advisory and Future Report host, Ashley Fell, to discuss the AI revolution.

Retirement doesn't come down to a magic number, it comes down to your number. This episode gives you a simple, personalized framework to decide when you can truly retire based on the life you want, not generic benchmarks.First, get clear on monthly spending (baseline needs + lifestyle wants). Then reverse-engineer your target by layering in taxes, a sensible withdrawal strategy, guaranteed income (Social Security, pensions), and the one-time costs people forget—like cars, remodels, weddings, or big trips.Beyond the math, we tackle the emotional side: purpose, identity, and designing days that feel meaningful, so the plan funds a life you actually want to live.What you'll learnA simple framework to find your number, not “the” numberHow to translate monthly spending into a retirement targetCoordinating Social Security, pensions, and portfolio withdrawalsPlanning for taxes, RMDs, and estate basics without overwhelmBudgeting for big one-time expenses (and avoiding nasty surprises)Stress-testing returns and inflation—without getting lost in complexityBuilding purpose and rhythm in the first 1–2 years of retirementIf this brought clarity to your timeline, follow the show, share it with a friend, and leave a quick review—so more people can retire on purpose.-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.

Let's do a quick review of disability insurance!  In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff dive into the details of long-term disability insurance.  This coverage is very important for anyone who is still reliant on their income. Discussion topics include: When and why you need this insurance. Different kinds of disability insurance. Details of long-term disability including a breakdown of many common riders. A comparison of employer/group coverage vs. individual coverage. How to apply for coverage. When you may need to increase your coverage and when it's okay to cancel it. No one likes paying for insurance, but insurance allows you to share some larger financial risks with a third party.  Disability insurance is a great example of that.  Most of us feel invincible until we're not. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

A single misunderstanding about Social Security spousal benefits can cost couples thousands over retirement. This episode unpacks the real math behind how Social Security treats spouses, ex-spouses, and survivors, so you can make smart claiming decisions that protect both cash flow and long-term security.Listen to learn how the spousal benefit actually works: it's based on 50% of the primary earner's full retirement age benefit, not when they file. We walk through clear examples showing who qualifies, how marriage length and divorce rules apply, and when a lower earner can switch from their own benefit to a larger spousal amount.James also separates spousal from survivor benefits—because they're not the same thing. Survivor checks can reach up to 100% of what the deceased earned, which makes timing even more critical for the higher earner. You'll hear how early filing, delayed credits, and coordination with 401(k) withdrawals or Roth conversions all play into your bigger retirement income plan.The goal: help couples see Social Security not as a guessing game, but as one of the most flexible (and misunderstood) tools for creating reliable income.If you're planning around two benefit records, a stay-at-home spouse, or a late-career divorce, this episode will clarify your options and help you avoid the traps that quietly shrink your lifetime income.-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!

Block Q3 2025 Post-Mortem: Acceleration With An AI EnginePost MortemIn this episode of Around the Desk, Sean Emory, Founder & CIO of Avory & Co., breaks down why Block is re-accelerating across Cash App and Square, how Borrow economics compound inside the ecosystem, and why Goose AI is the quiet operating layer powering efficiency and product velocity.DisclaimerAvory is an investor in Block.Avory & Co. is a Registered Investment Adviser. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Avory & Co. and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Avory & Co. unless a client service agreement is in place.Listeners and viewers are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.“Likes” are not intended to be endorsements of our firm, our advisors, or our services. While we monitor comments and “likes,” we do not endorse or necessarily share the opinions expressed by site users. Any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please limit posts to industry-related educational information and comments.Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.Please reach out to Houston Hess, our Head of Compliance and Operations, for any further details.

Share your Field Stories!Welcome back to Environmental Professionals Radio, Connecting the Environmental Professionals Community Through Conversation, with your hosts Laura Thorne and Nic Frederick! On today's episode, we talk with Mark Coleman, Author, Planet Pragmatism and Director of Advanced Energy Advisory and Innovation with TRC Companies about Establishing Trust, Rediscovering Humanity, and Planet Pragmatism.  Read his full bio below.Help us continue to create great content! If you'd like to sponsor a future episode hit the support podcast button or visit www.environmentalprofessionalsradio.com/sponsor-form Showtimes:  2:45 - Delightful things10:08 - Interview with Mark Coleman20:32 - How to work through all the Noise29:22 - How do you build Trust with doubtful people47:06 - Fieldnotes with Mark!Please be sure to ✔️subscribe, ⭐rate and ✍review. This podcast is produced by the National Association of Environmental Professions (NAEP). Check out all the NAEP has to offer at NAEP.org.Connect with Mark Coleman at https://www.markcolemaninsights.com/Guest  Bio:Mark C. Coleman is an award-winning author and recognized voice as a business and leadership advisor, entrepreneur, and educator specializing in sustainable change management and enterprise development. With over 25 years of experience, he inspires both current and future leaders to embrace principled leadership founded on pragmatism, dignity, trust, and accountability. He has served as a strategic advisor to numerous leading organizations across academia, industry, emerging enterprises, and government, focusing on the intersection of societal change, environmental risk, and sustainable innovation. Mr. Coleman currently serves as Director of Advisory and Innovation within TRC's Advanced Energy (AE) business segment where he works with leaders across the organization and with partners and clients to strategically advance best-in-class integrated solutions to complex energy and business challenges. His work is focused on the nexus of energy and environmental innovation and the emergent sustainable economy, marked by solutions which are decarbonized, digital, decentralized, and which also embody social impact, environmental justice, and economic equity at their foundation.As the founder of Convergence Mitigation Management (CMM), a high-impact business intelligence, strategy, and management consultancy, Mr. Coleman provides custom advisory services to entrepreneurs, small and medium sized businesses, government, applied research, and non-governmental organizations.In July 2025 Mr. Coleman published his 4th book, Planet Pragmatism: The New Path to Prosperity. Mark currently serves as a Board Member of Ecology Prime, a global platform catalyzing ecologic education, outreach, and communications. He also serves on the Board of Trustees for Cayuga Community College and as an adjunct instructor of Entrepreneurship and Emerging Enterprise at the Whitman School of Management at Syracuse University where he teaches undergraduate and graduate level courses in Sustainable Enterprise. Mr. Coleman resides in the Finger Lakes region of New York with his wife and two sons. Music CreditsIntro: Givin Me Eyes by Grace MesaOutro: Never Ending Soul Groove by Mattijs MuSupport the showThanks for listening! A new episode drops every Friday. Like, share, subscribe, and/or sponsor to help support the continuation of the show. You can find us on Twitter, Facebook, YouTube, and all your favorite podcast players.

Yuriy Boyechko, Founder and CEO of Hope for Ukraine, speaks with Humanitarian AI Today guest host Emrys Schoemaker, Senior Director of Policy and Advisory with Caribou Digital. They discuss Hope for Ukraine's work, humanitarian needs in Ukraine this Winter and the organization's new mobile app (Nadiya) which helps connect individuals and families affected by the war with essential food supplies, education services, and housing resources. They also discuss ways of integrating applications of AI into the app and use the opportunity to discuss digital inclusion, digital identity and challenges associated with assessing needs, authenticating aid recipients and aid suppliers, and broader challenges associated with digital security. Episode notes: https://humanitarianaitoday.medium.com/yuriy-boyechko-on-hope-for-ukraines-new-mobile-app-nadiya-1b1ed5deb923

Unlock the power of peer-led business leadership, in this exclusive episode of TBCY with Manolo Vega, Chairman of REF (Renaissance Executive Forums). Host Ashutosh Garg dives deep with Manolo to explore REF's peer advisory model, its global footprint, and the exciting launch plans for the Indian market.Discover how REF forums operate, what sets them apart from other leadership networks, and why collective intelligence and wisdom are the cornerstone of their philosophy. Manolo shares insights on member selection, the importance of trust and diversity, and how Indian leaders can tap into REF's international network for game-changing collaborations.If you're a business owner, CEO, or leader seeking real growth and a trusted circle of peers—don't miss this conversation!

What if the “smart” money choice isn't the choice that builds your best life?This Root Talks episode starts with a bucket-list moment for James—throwing the first pitch at a Padres game—and turns into a bigger lesson: money is a tool to create meaning, not a score to keep. It's a look at the Five Types of Wealth (financial, time, social, mental, and physical) and why the spreadsheet answer isn't always the human answer.Ari and James share real examples: paying for time to be with family and friends, choosing health over “perfect” returns, even saying yes to a once-in-a-lifetime trip when it matters most. It's practical retirement planning and financial planning through a different lens—purpose-driven wealth, money mindset, peace of mind.If the goal is a life well lived, optimization means aligning dollars with values: relationships, adventure, and the stories you'll keep telling. That's true retirement lifestyle design... building a life you don't want to retire from.Watch to rethink “financially optimal,” and learn how to use your money to buy back time, reduce stress, and live on purpose.-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.

What if the “smart” money choice isn't the choice that builds your best life?This Root Talks episode starts with a bucket-list moment for James—throwing the first pitch at a Padres game—and turns into a bigger lesson: money is a tool to create meaning, not a score to keep. It's a look at the Five Types of Wealth (financial, time, social, mental, and physical) and why the spreadsheet answer isn't always the human answer.James and Ari share real examples: paying for time to be with family and friends, choosing health over “perfect” returns, even saying yes to a once-in-a-lifetime trip when it matters most. It's practical retirement planning and financial planning through a different lens—purpose-driven wealth, money mindset, peace of mind.If the goal is a life well lived, optimization means aligning dollars with values: relationships, adventure, and the stories you'll keep telling. That's true retirement lifestyle design... building a life you don't want to retire from.Watch to rethink “financially optimal,” and learn how to use your money to buy back time, reduce stress, and live on purpose.-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!

This week on The New Mason Jar, Cindy and Dawn are joined by the members of the AmblesideOnline Advisory, which includes Donna-Jean Breckenridge, Anne White, Karen Glass, and Leslie Laurio How does the education offered through AmblesideOnline apply to mothers and fathers, too, not only to the children? Why is it so important for moms to take the time to read Charlotte Mason's volumes and learn her method for themselves? What encouragement would you offer to help the mom do so? Can you speak to this desire, for homeschool material to be "open and go," specifically with respect to AO? What can you tell us about the AO 25th anniversary celebration? Get the full show notes for this episode with links to everything discussed at https://thenewmasonjar.com/124. 

In this episode we break down the often misunderstood investment strategy of Warren Buffett, exploring why one of the greatest investors of all time continues to hold hundreds of billions of dollars in cash. We unpack the reasoning behind Berkshire Hathaway's massive cash reserves, including historically high market valuations, the limited number of attractive investment opportunities within Buffett's “circle of competence,” and his long term focus on patience and discipline; waiting for the perfect pitch before taking a swing. If you've ever wondered why Buffett isn't buying more stocks when markets are soaring, this video will give you clear insight into how the Oracle of Omaha thinks about value investing and capital allocation.#stockmarket #warrenbuffet #investing #15minutesoffinance #economy Warren Buffet's Investment Philosophy Article:https://www.berkshirehathaway.com/ownman.pdf15 Minutes of Finance is produced by West & Walters Tax and Wealth Management, an independent financial advisory and CPA firm in Carlsbad, California. West & Walters provides comprehensive wealth management, tax planning, and accounting services for individuals and businesses. For more information, visit westandwalters.com. Advisory services offered through 77 Financial Group, a registered investment adviser. All Information is educational in its intent and distribution! Please do not consider this personal financial advice. We believe all clients have unique situations and thus require unique advice.

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Andrew McCaughan, Chief Development Officer at Shake Shack, joins Fast Casual Nation to discuss the iconic burger brand's ambitious journey from 3 locations to a goal of 1,500 U.S. restaurants. McCaughan shares insights on Shake Shack's evolution from urban high-profile locations to suburban expansion with multiple formats including drive-throughs, experiential flagships with full bars, and innovative digital ordering systems. Learn about their technology strategy, international growth across 20 countries, real estate challenges, culinary innovation including the viral Dubai Shake, and how they're maintaining Danny Meyer's hospitality values while scaling globally. Plus, hear about their new Atlanta innovation center and plans for Oklahoma City expansion.ShakeShack #FastCasualNation #RestaurantIndustry0:00 - Intro0:14 - Rising food costs & staffing challenges3:24 - Guest intro: Shake Shack's Chief Development Officer5:05 - Growth from 3 to 600+ global locations7:51 - Expanding into suburbs, drive-thrus & bar concepts11:35 - Tech & AI roadmap: kiosks, app, personalization14:35 - Scaling while preserving brand values & culture16:11 - Global expansion: 20+ countries & local menus21:14 - Maintaining warmth & New York credibility22:04 - Balancing digital orders with in-store hospitality24:23 - Atlanta innovation center & kitchen tech27:11 - Real estate shifts & development challenges28:52 - Next experiential store: Atlanta & Las Vegas31:00 - Reaching Gen Z & next-gen burger fans33:02 - Rapid fire: new markets, metrics, trends35:09 - Closing remarks & episode wrapGet 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

In this episode of Building the Premier Accounting Firm, host Roger Knecht and guest Steven Weisberg discuss the expanding world of tax resolution services and why accounting professionals should consider offering them. Learn about effective marketing strategies, different types of tax resolution options, and the profound emotional relief clients experience. In This Episode: 00:00 Introducing Steven Weisberg: Tax Attorney 04:21 Tax Resolution: Attorney vs. CPA/EA 07:33 The Expanding Tax Resolution Market 12:10 Effective Marketing for Resolution Services 16:11 Navigating Tax Resolution Options 20:44 Pricing Resolution Services with Flat Fees 24:04 Emotional Relief and Ramifications of Inaction 31:14 Addressing Taxpayer Annoyance and Sovereign Citizen Claims 36:09 Key Takeaways and Final Advice Key Takeaways: Explore the history of tax resolution and why it's a growing field. Understand the distinctions between tax preparation, planning, and resolution services. Learn effective marketing techniques for tax resolution, focusing on value and client benefits. Discover the benefits of collaborative relationships with other tax professionals. Gain insights into various tax resolution options like installment agreements and currently non-collectible status. Featured Quotes: "The IRS is really the largest collection agency on the planet and the most powerful." — Steven Weisberg "They'll pay you monthly because they want this issue resolved." — Steven Weisberg "The earlier that your taxpayers can get to a professional that can help them, the more leverage that they have." — Steven Weisberg Behind the Story: Steven Weisberg shares his journey from corporate bankruptcy law to tax resolution, driven by a desire to help small businesses rather than large corporations. He highlights the growing need for tax resolution services due to IRS changes and discusses the critical role tax professionals play in advocating for clients against the powerful IRS. 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: Get in touch with Stephen on LinkedIn or visit his website taxdebtattorney.tax Get a FREE copy of these books all accounting professionals should use to work on their business and become profitable.  These are a must-have addition to every accountant's library to provide quality CFO & Advisory services as a Profit & Growth Expert today: "Red to BLACK in 30 days – A small business accountant's guide to QUICK turnarounds" – This is a how-to guide on how to turn around a struggling business into a more sustainable model. Each chapter focuses on a crucial aspect of the turnaround process - from cash flow management to strategies for improving revenue. This book will teach you everything you need to become a turnaround expert for small businesses. "in the BLACK, nine principles to make your business profitable" – Nine Principles to Make Your Business Profitable – Discover what you need to know to run the premier accounting firm and get paid what you are worth in this book, by the same author as Red to Black – CPA Allen B. Bostrom. Bostrom teaches the three major functions of business (marketing, production and accounting) as well as strategies for maximizing profitability for your clients by creating actionable plans to implement the nine principles. "Your Strategic Accountant" - Understand the 3 Core Accounting Services (CAS - Client Accounting Services) you should offer as you run your business. Help your clients understand which numbers they need to know to make more informed business decisions. "Your Profit & Growth Expert" - Your business is an asset. You should know its value and understand how to maximize it. Beginning with the end in mind helps you work ON your business to build a company you can leave so that it can continue to exist in your absence or build wealth as you retire and enjoy the time, freedom, and life you want and deserve. Follow the Turnkey Business plan for accounting professionals.  This is the proven process to start and build the premier accounting firm in your area.  After more than 40 years we've identified the best practices of successful accountants and this is a presentation we are happy to share.     Also learn the best practices to automate and nurture your lead generation process allowing you to get the bookkeeping, accounting and tax clients you deserve.  GO HERE to see this presentation and learn what you can do today to identify and engage with your ideal clients.   Check it out and see what you can do to be in business for yourself but not by yourself with Universal Accounting Center.   It's here you can become a:   Professional Bookkeeper, PB Professional Tax Preparer, PTP Profit & Growth Expert, PGE   Next, join a group of like-minded professionals within the accounting community.  Register to attend GrowCon and Stay up-to-date on current topics and trends and see what you can do to also give back, participating in relevant conversations as they relate to offering quality accounting services and building your bookkeeping, accounting & tax business.   The Accounting & Bookkeeping Tips Facebook Group The Universal Accounting Fanpage Topical Newsletters: Universal Accounting Success The Universal Newsletter   Lastly, get your Business Score to see what you can do to work ON your business and have the Premier Accounting Firm. Join over 70,000 business owners and get your score on the 8 Factors That Drive Your Company's Value.   For Additional FREE Resources for accounting professionals check out this collection HERE!   Be sure to join us for GrowCon, the LIVE event for accounting professionals to work ON their business. This is a conference you don't want to miss.   Remember this, Accounting Success IS Universal. Listen to our next episode and be sure to 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 accounting, bookkeeping & tax business please visit us at www.universalaccountingschool.com or call us at 8012653777  

Those “3x by 40, 6x by 50, 10x by 67” charts feel official—until your life doesn't match the average. In this episode, James shows why age-based savings benchmarks miss the mark and replaces them with a simple, four-step method that fits you.First, get clear on spending in retirement (inflation-adjusted, lifestyle-aware). Then credit guaranteed income, like Social Security, pensions, annuities, part-time work, help to size the real gap. Applying a conservative withdrawal rate to turn that gap into a target portfolio, and back-solve to today with reasonable returns and annual contributions can help you find security. No fluff. Just a plan you can update every year.Real-life cases make it concrete: an early retiree whose “confident” multiple falls short, two teachers whose pensions shrink the target, and a late-career saver who unlocks home equity to close the gap.What you'll learn:Why age-based benchmarks exist—and where they can misleadHow timing (early retirement vs. later) changes the numberThe role of Social Security and pensions in lowering your targetWhen home equity or windfalls can bridge shortfallsThe four-step method: expenses → income → gap → portfolio mathUsing a withdrawal rate (e.g., 4%) to set a clear targetHow to back-solve to today's balance and savings planStress-testing returns, inflation, and timing choicesIf generic multiples leave you anxious or overconfident, this conversation trades guesswork for clarity. Translate goals into numbers, see which levers actually move the needle, and build a plan that funds a life you enjoy.-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!

2:38:55 – Frank in New Jersey, plus the Other Side. Topics include: Election Day, Nouvelle Vague (2025), Breathless (1960), Jean-Paul Belmondo, Jean Seburg, Le Drugstore, celebrity deaths (Donna Jean Godchaux (78), Dick Cheney (84), Diane Ladd (89), Diane Keaton (79), June Lockhart dead (100), Ace Frehley (74), Jane Goodall (91)), Secret Lair Countdown Kit: An Encyclopedia of […]

Most headlines shout that you need millions to retire comfortably. The truth? It depends on you. Ari breaks down what “enough” really means, and how to design a plan that fits your lifestyle, health, and peace of mind, not someone else's spreadsheet.In this episode, you'll hear real-life stories that prove one size doesn't fit all. A saver with $3 million who can't enjoy travel because of sciatica. A Chevron retiree with $487K, a paid-off home, and a $2,800 monthly budget living his version of freedom. Same markets, totally different outcomes—and both work.Listen as Ari shares a simple framework to turn your lifestyle into a retirement number: calculate your after-tax monthly spend, annualize it, and match it to a conservative withdrawal rate. You'll see why $35K a month might require $8M, but $3K can work beautifully with smart investing and tax strategy.You'll also learn how to avoid the silent killers of a good plan: sequence risk, poorly timed withdrawals, and outdated estate documents. Plus, how to time Roth conversions, structure income for flexibility, and protect your health and wealth over decades.If you've ever asked, “Should I retire now with less or wait for more?” this episode gives you the clarity to choose confidence over comparison.-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 of Retirement Reality, meet Donovan, a 55-year-old retiree who turned an unexpected career exit into an opportunity for freedom, reflection, and new purpose. Donovan shares how one defining word, choice, shaped his journey before, during, and after retirement.From years of disciplined saving and intentional living to facing an unplanned exit from corporate life, Donovan opens up about how preparation, mindset, and adaptability transformed what could have been a setback into a second act filled with meaning. He and James discuss the emotional and psychological sides of retirement: identity shifts, finding purpose, redefining relationships, and learning to spend after decades of saving.This conversation dives into the real retirement journey: the freedom it brings, the fears it stirs, and the wisdom that comes from embracing both. Whether you're approaching retirement or simply rethinking your next chapter, Donovan's story will challenge you to see this season as an opportunity — not an ending.Key Themes:The power of choice in financial and life planningTransitioning from career identity to personal purposeManaging the emotional and psychological side of retirementFinding meaning, health, and community in life after workOvercoming the fear of spending after years of saving-Donovan is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.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!

Last Thursday, Energy Secretary Chris Wright directed the Federal Energy Regulatory Commission to consider rulemaking to fast-track interconnection for large loads — as long as they agree to be curtailable or colocate with dispatchable generation. So what does this proposal actually mean for interconnection?  In this episode, Shayle talks with Allison Clements, former FERC commissioner and current partner with digital infrastructure advisory firm ASG. Allison is also principal of 804 Advisory. Shayle also talks with Tyler Norris, doctoral student at Duke University's Nicholas School of the Environment. Allison, Tyler, and Shayle cover topics like: How the proposal would standardize interconnection procedures for certain large loads, with study periods no longer than 60 days  The jurisdictional shift: asserting federal authority over a process traditionally under state purview   The types of eligible loads, including traditional data centers as well as ones that colocate with generation, also known as “hybrid facilities” The duration of flexibility and whether 2-hour, 4-hour, or longer durations are needed for curtailment Whether flexibility resources should be behind-the-meter or front-of-meter The potential disadvantages for bring-your-own-supply or bring-your-own-VPP Resources: Latitude Media: Wright directs FERC to fast track large load interconnection   Latitude Media: How the world's first flexible AI factory will work in tandem with the grid   Latitude Media: OpenAI pushes the White House to invest in the grid to compete with China   E3: Demand Response as a Capacity Resource in SPP's Era of Data Center Growth  Canary Media: In a first, a data center is using a big battery to get online faster  Credits: Hosted by Shayle Kann. Produced and edited by Daniel Woldorff. Original music and engineering by Sean Marquand. Stephen Lacey is our executive editor.  Catalyst is brought to you by EnergyHub. EnergyHub helps utilities build next-generation virtual power plants that unlock reliable flexibility at every level of the grid. See how EnergyHub helps unlock the power of flexibility at scale, and deliver more value through cross-DER dispatch with their leading Edge DERMS platform, by visiting energyhub.com. Catalyst is brought to you by Bloom Energy. AI data centers can't wait years for grid power—and with Bloom Energy's fuel cells, they don't have to. Bloom Energy delivers affordable, always-on, ultra-reliable onsite power, built for chipmakers, hyperscalers, and data center leaders looking to power their operations at AI speed. Learn more by visiting⁠ ⁠⁠BloomEnergy.com⁠.