Podcasts about Advisory

Send us Fan MailRevenue may look strong on paper—but if the cash isn't there when you need it, your business can still be in trouble.In this episode of Scaling with People, host Gwenevere Crary sits down with Elaine Bogart, fractional CFO and financial leadership advisor, to demystify the numbers founders need to understand before scaling.Together, they explore why revenue, profit, and cash are not the same thing and how a gap between making a sale and receiving payment can put pressure on payroll, operations, and business runway.Elaine also explains how founders can use forecasting, AI, and the right financial leadership to make better decisions, avoid expensive surprises, and build a stronger financial foundation for growth.In this episode, you'll learn:Why revenue does not always translate into available cashHow payment delays can create dangerous cash-flow gapsWhy founders should model when money comes in—not just when sales are madeHow to build and maintain a practical 13-week cash forecastWhy short-term forecasts should be more detailed than longer-term projectionsThe key financial numbers founders should understand, including revenue, payroll, operating expenses, margins, and profitabilityHow AI can support forecasting and why human review is still essentialWhy founders should compare forecasts against actual results and investigate major variancesThe difference between cash-basis accounting and accrual accounting under GAAPWhy businesses should consider their long-term goals when choosing an accounting methodHow to determine whether your company needs a fractional, project-based, or full-time CFOThe difference between an advisory fractional CFO and a more embedded financial leaderHow to choose a CFO based on your company's current needs and stage of growthWhy putting numbers behind your intuition can lead to better business decisionsKey takeawayA strong sale is not the same as strong cash flow.Founders need visibility into when cash will arrive, when expenses must be paid, and how much runway remains. A regularly updated cash forecast—combined with sound financial leadership—can help business owners make smarter decisions before a cash shortage becomes an emergency.About Elaine BogartElaine Bogart is a fractional CFO who works with founders, CEOs, and leadership teams across digital media, technology, creative agencies, professional services, and other industries. She helps businesses strengthen their financial systems, improve forecasting, prepare for growth, and make informed strategic decisions.Chapters00:00 — Welcome to Scaling with People01:32 — Meet Elaine Bogart02:28 — Turning finance into a strategic partner04:13 — When spreadsheets and intuition stop working06:03 — The cash gap between sales and payment07:10 — Improving payment terms and cash flow08:53 — How far ahead should founders forecast?10:00 — Building a 13-week cash forecast10:48 — The financial numbers founders should know12:32 — AI forecasting and the need for human oversight15:15 — AI workflows for forecasting and planning17:45 — Using assumptions and asking better questions18:28 — Comparing forecasts with actual results19:22 — How forecasting can change business decisions21:10 — Cash accounting versus GAAP accounting24:22 — When should a company use GAAP?25:44 — Choosing the right CFO for your stage30:10 — Advisory versus embedded fractional CFO support31:09 — The financial habit every founder should build32:42 — Closing thoughtsConnect with Scaling with PeopleIf this conversation helped you think differently about your company's financial health, share it with another founder or business leader who needs better visibility into their numbers.Scaling isn't just about speed. It's about people.Support the show

Today, Paul and Jim discuss the purpose of “The Investor Coaching Show” and why most fund companies have realized they'll make more money and have “happier” clients if they offer investors five-star ratings, high short-term past performance, and big household names. Listen along as both advisors talk about an industry where both sides get caught up in emotional investing, “expertise” and status, and shortcuts over long-term success. Paul and Jim help you cut through these investment traps so that you can unplug from the hype and become a more confident investor.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

Thank you for joining us for another episode of Building the Premier Accounting Firm. Today, host Roger Knecht and Founder and CEO of Fix-It Accounting Nancy Benet discuss how to scale accounting firms beyond compliance work into advisory services and franchise models. Discover proven steps to overcome business fears, build strategic partnerships, and create clear financial systems. In This Episode: 00:00:00 Introduction and Overcoming Early Business Failure 00:05:25 Transitioning from Solopreneur to Business Owner 00:11:09 Adding Advisory Services and Strategic Partnerships 00:17:39 Specializing in the Franchise Business Model 00:25:03 Franchising Fixit Accounting and Family Legacy 00:35:09 The Future of Accounting and AI Key Takeaways: Niche down early to make marketing much simpler and attract the right clients. Partner with other professionals to offer fractional CFO services without needing all the skills yourself. Delegate administrative tasks first by hiring assistants to free up time for core client work. Focus on forward-thinking advisory metrics to help clients plan for future profitability. Featured Quotes: "We're taught to do everything ourselves. And so to bring somebody in, it's really scary." - Nancy Benet "If we can expand our awareness and our ability to think outside the box, it opens new doors." - Nancy Benet Earn CPE: NASBA-approved CPE and IRS-approved CE credits are offered via Earmark by listening to this episode. ⁠ Access our QAS Self-Study Courses here: https://www.earmark.app/channels/0384dbbe-df08-4ae3-ba82-621a7a465e95 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: Success Your Way: Build stronger awareness and structure as you grow your business. Get the free 5 Actions to Instantly Change Your Mindset download here: https://successyourway.com/free-downloads  Special Offers for our Podcast Listeners: CLICK HERE to take advantage of them today! Remember this: Accounting Success IS Universal. Be sure to listen to our next episode and subscribe.   Also, let us know what you think of the podcast and please share any suggestions you may have.  We look forward to your input: Podcast Feedback   For more information on how you can apply these principles to start and build your bookkeeping, accounting, & tax business, please visit us at www.universalaccountingschool.com or call us at 801-265-3777.  And know that if it's about accounting, it's Universal.

Il mercato globale dell'M&A continua a crescere, trainato da operazioni sempre più grandi, ma in un contesto caratterizzato da tassi elevati, maggiore selettività e rischi regolamentari più complessi.Fabio Fabbi, Product Specialist di Ersel Banca Privata, ne parla con Giorgio Nicola, Co-Head del team Event Driven di Ersel Asset Management, analizzando l'evoluzione del mercato nel 2026 e le implicazioni per le strategie di Risk Arbitrage.Un approfondimento su mega deal, costo dei finanziamenti, regolamentazione e selezione delle operazioni, per capire dove si trovano oggi le opportunità e perché le strategie Event Driven possono rappresentare un importante elemento di diversificazione all'interno di un portafoglio.#comunicazionedimarketingIl presente podcast non intende in alcun modo promuovere la sottoscrizione di servizi e prodotti finanziari che può essere effettuata solo dopo aver preso visione dell'informativa precontrattuale e previa valutazione dell'adeguatezza del servizio o dello strumento finanziario rispetto al profilo individuato con il questionario MiFID. Il presente podcast non è un documento contrattualmente vincolante né un documento informativo necessario ai sensi di una disposizione legislativa e non è sufficiente per prendere una decisione di investimento.Ersel ha verificato con la massima attenzione tutte le informazioni rappresentate nella presente registrazione, ma non garantisce della loro esattezza e completezza, e non risponde dell'uso che terzi potrebbero fare di tali informazioni, né di eventuali perdite o danni che possano verificarsi in seguito a tale uso. Le indicazioni e i dati relativi agli strumenti finanziari, forniti dalla Società nel presente video, non costituiscono necessariamente un indicatore delle future prospettive dell'investimento o disinvestimento: i rendimenti passati non sono indicativi di quelli futuri. È vietata la riproduzione e/o la distribuzione, in tutto o in parte, direttamente o indirettamente, del presente podcast, non espressamente autorizzata.

Upthinking Finance™ is now trademarkedThis episode is my reflection on nearly four decades in the financial services industry. I want to share some of the most important lessons I've learned—from portfolio management missteps and tax planning pitfalls, to the value of flexibility, liquidity, and real client relationships. Over the past four decades, the financial industry has evolved enormously, and these days, experience and adaptability matter when you're building a practice rooted in trust and personal connection may outshine growth-at-all-costs strategies.You will want to hear this episode if you are interested in...05:08 Reallocating investments to manage risk07:47 Understanding alternative investments risks12:10 Embracing trend following strategies13:47 Discovering niche management firms22:49 Discussing real-life financial planning25:28 Working with outside consultants28:43 Navigating financial crises together32:08 Connecting with industry influencers36:51 Investment strategies and risksThe Perils of Letting Taxes Guide Every DecisionTax efficiency matters in any sound financial plan, but letting tax consequences drive every decision can backfire. Complex strategies like irrevocable life insurance trusts (ILITs) and Roth IRA conversions, which, while once advantageous, have later become obsolete or even detrimental due to shifting laws or unforeseeable changes.Overemphasis on avoiding taxes—such as refusing to rebalance a portfolio for fear of triggering capital gains—can leave clients worse off if market conditions change unexpectedly. Prioritize flexibility and liquidity over the lure of perfect tax avoidance. Sometimes, a slightly higher tax bill is a small price to pay for maintaining the ability to adapt to life's unpredictables.The Cost of Inflexible InvestmentsLocking up assets in illiquid programs—such as certain private credit products or non-listed REITs—may offer the promise of higher returns or tax benefits, but they come at the cost of flexibility when life throws a curveball. Divorce, illness, or sudden opportunities can necessitate access to funds that are tied up, sometimes indefinitely. Thus, every investment should be scrutinized not just for its upside, but for the accessibility of capital when it's truly needed.Personalization Over CommodityThe financial advice industry has trended towards commoditization, driven by “best practices” that prioritize scalability and efficiency—sometimes at the expense of individual client needs. Model portfolios and standardized 60/40 allocations are the norm, but genuine client stewardship demands adaptation.When the era of falling interest rates ended with COVID, clinging to traditional approaches was no longer sufficient. Embracing novel strategies like trend following, sector specialization, and niche asset managers became essential—even if it meant difficult conversations with clients when results diverged from mainstream indexes.Goal-Setting Beyond the NumbersEvery client's vision for retirement or financial independence is unique. Strict guidelines about withdrawal rates or “prudent” spending cannot replace honest dialogue about trade-offs and what living fully means for each person. Sometimes, sticking too closely to conventional wisdom leads to clients being told their dreams are inadvisable and even being dismissed by their advisors. For a firm dedicated to helping clients realize their aspirations, defining clear, personal goals is paramount—performance for its own sake is insufficient motivation.Relationships Over RevenueOnce someone entrusts their financial life to the firm, they're owed the same commitment and care as anyone else. The real value of advice lies in partnership and stewardship, not in how much revenue the client generates. I credit providence, prayer, and being open to unexpected opportunities for the most meaningful developments in this practice—from meeting the right business partner to forming lifelong friendships with clients. Genuine relationships, openness to new ideas, and a commitment to serving each client uniquely are more valuable—and more rewarding—than any short-term gain or industry accolade.Securities and Advisory services offered through LPL Financial. A registered investment advisor. Member FINRA & SIPC.The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.Resources & People MentionedMalcolm GladwellThe Library of Mistakes with Russell Napier, Ep #48Tariffs, Inflation, and the Death of Globalization with Alex Krainer, Ep #69Connect with Emerson FerschCapital Investment AdvisersSubscribe to Upthinking FinanceAudio Production and Show Notes by - PODCAST FAST TRACK

BCE, Federal Reserve e Bank of Japan hanno alzato i tassi di interesse, segnando un cambio di scenario rispetto alle attese dei mercati.Federica De Giorgis e Mattia Rossetti del Team Advisory di Ersel Banca Privata analizzano le ragioni di queste decisioni e le possibili conseguenze per investitori e portafogli: dall'inflazione al costo dell'energia, dalla crescita economica alla sostenibilità del debito pubblico, fino all'andamento dei mercati obbligazionari.Un confronto per capire perché i tassi stanno salendo, quali fattori osservare nei prossimi mesi e come cambia il ruolo delle obbligazioni all'interno dei portafogli, in uno scenario caratterizzato da elevata incertezza ma da una crescita economica ancora sostenuta.#comunicazionedimarketingIl presente podcast non intende in alcun modo promuovere la sottoscrizione di servizi e prodotti finanziari che può essere effettuata solo dopo aver preso visione dell'informativa precontrattuale e previa valutazione dell'adeguatezza del servizio o dello strumento finanziario rispetto al profilo individuato con il questionario MiFID. Il presente podcast non è un documento contrattualmente vincolante né un documento informativo necessario ai sensi di una disposizione legislativa e non è sufficiente per prendere una decisione di investimento.Ersel ha verificato con la massima attenzione tutte le informazioni rappresentate nella presente registrazione, ma non garantisce della loro esattezza e completezza, e non risponde dell'uso che terzi potrebbero fare di tali informazioni, né di eventuali perdite o danni che possano verificarsi in seguito a tale uso. Le indicazioni e i dati relativi agli strumenti finanziari, forniti dalla Società nel presente video, non costituiscono necessariamente un indicatore delle future prospettive dell'investimento o disinvestimento: i rendimenti passati non sono indicativi di quelli futuri. È vietata la riproduzione e/o la distribuzione, in tutto o in parte, direttamente o indirettamente, del presente podcast, non espressamente autorizzata.

See what the team at The Successful Bookkeeper has on right now →Debra Kilsheimer has been in the accounting profession for 45 years, and she has never been more excited about its future. In this episode, she and Michael Palmer dig into what AI actually means for bookkeepers right now — not as a threat, but as a tool that clears away the task work and makes room for the conversations clients have always needed. If you have been wondering how to position your firm in an AI world, this episode is a practical place to start.Chapters[00:00] Opening Hook on AI and Jobs[01:18] Welcome and Guest Introductions[03:30] Blazer Accounting: An AI-Native Firm[08:00] Pivoting From Task Work to Advisory[13:00] The Doctor Analogy and Client Conversations[18:00] Winning Clients With Sample Reports[23:00] Real Workflow Wins With AI Tools[28:00] Human Connection AI Cannot Replace[32:00] How to Start Small With AI[35:00] Closing Thoughts and ResourcesThe Shift From Task Work to ExpertiseDebra's core message is simple: if you are only selling data entry and reconciliations, AI can replicate that. But if you are selling interpretation, insight, and relationship, no machine touches you. "If all you're selling is getting the numbers on a piece of paper, Chat will take your job," she says. The opportunity for bookkeepers is to move confidently into the role they have always wanted — explaining what the numbers mean and helping clients build the business and life they are after.Building an AI-Native FirmDebra and her colleague Donna Reed launched Blazer Accounting (getblazer.ai) specifically to test what an AI-first practice looks like in the real world. Their premise: bookkeeping should be free, because the machines now handle the transactional work. What that frees up is time for advisory — the higher-value conversations clients genuinely want to pay for. She also described concrete workflow wins, from having Claude automatically process PDF sales reports into a standardized template, to using AI to track tip payments from a hair salon's texted receipts before weekly payroll runs.Winning New Clients With Sample Advisory ReportsOne of the most actionable ideas in this episode is Debra's approach to prospect meetings. Before sitting down with a potential restaurant client, she uses AI to generate a sample monthly advisory report — using anonymized data from an existing client in the same industry — so the prospect can see exactly what working with her looks like. "They literally will sign on the spot," she says. "We're getting clients at like twice the pay that we were getting before. Because they've never had this. Never." It reframes the conversation away from transaction counts and toward outcomes.The Human Element AI Cannot ReplaceDebra is enthusiastic about AI, but she is equally clear about what it cannot do. It has no soul, no personal connection, and no real understanding of what a client wants out of their life. She draws the analogy of WebMD versus a doctor: a symptom checker might give you the right answer, but you still want a human to look you in the eye, ask the right questions, and catch what the algorithm missed. "You give your clients a connection that AI cannot give them," she says. "AI is just data — it's not the personal connection that only you can give."How to Get Started Without Getting OverwhelmedFor bookkeepers who are not yet using AI tools, Debra's advice is to start small and stay curious. Pick one task — a bank rec that won't foot, a client report you want to draft — and try it. She recommends using Claude for number-heavy work and ChatGPT for writing and communication tasks. Most importantly, she says, don't compare your progress to anyone else's. "You are in your journey with this where you are. And where you are is great."Links MentionedBlazer Accounting — getblazer.aiBookkeepers on Fire (YouTube channel with Donna Reed) — live every Tuesday at 3 p.m.Behind the Scenes Financials — Debra's traditional accounting firmDeb Liberate — Debra's speaking and consulting brandWomen Who Count conference — upcoming keynoteReframe stage, Miami — upcoming speaking appearanceThe Woodard Report and OnPay — publications Debra writes forPureBookkeeping.com — episode sponsorAbout the GuestDebra Kilsheimer is an accounting professional, speaker, and founder of Deb Liberate, where she helps accountants and bookkeepers price their services, communicate their value, and lead with confidence. She is co-owner of Behind the Scenes Financials alongside her husband Hal, and co-founded Blazer Accounting, an AI-native firm, with Donna Reed. She also co-hosts the Bookkeepers on Fire YouTube channel and writes regularly for The Woodard Report and OnPay. Debra is based in Port Orange, Florida, and can be found on LinkedIn.About the hostMichael PalmerMichael Palmer is the host of The Successful Bookkeeper podcast — almost 600 episodes and counting — and founder of The Successful Bookkeeper Global. He's spent over 15 years in the bookkeeping industry, working one-on-one with thousands of bookkeepers across the globe. He started this work because of his father — a brilliant electrical contractor who worked twice as hard as he should have had to, because nobody on the financial side was in his corner. That gap is what The Successful Bookkeeper exists to close. His view: bookkeepers are the most undervalued force in small business — and every bookkeeper who builds a real business changes two families: theirs, and their clients'.

Episode 126: Stop doing this alone. Discover why real, unshakeable sisterhood is the ultimate game changer when considering divorce—and how connection physically rewires your brain for strength.Lovies, welcome back! We are doing something a little different this week because we've hit a Fifth Tuesday—a rare moment on the calendar that only rolls around once every three months!My business advisor gave me the most gorgeous suggestion for these Fifth Tuesdays: take a breath, look back at past episodes that didn't get the love they deserved, and pull a hidden gem up to the surface.Today, we are resurrecting Episode 78, an episode recorded right after Quinn and I returned from our very first Stay or Go retreat. Y'all... Quinn is on fire in this conversation. She drops truth bomb after truth bomb, breaking down the neuroscience of support, why isolation is physically dangerous, and how true connection helps us heal internal misogyny and stop centering men's emotions over our own lives.The timing couldn't be more synchronistic. As we pass into October 2026, we are celebrating two years of the Stay or Go community and preparing for our second annual retreat! Looking at this episode now gives me chills. A year ago, women were listening to this exact conversation feeling lonely, stuck, and terrified. They took the leap, joined the community, and this month, they're celebrating radical personal transformation in person with me.Whether this is your first time hearing this episode or your fourth, let it hit differently today. Let it be your clarion call to stop waiting on the sidelines.What We Dig Into in This EpisodeThe Difference Between Connection and "Performative" Relationships: We unpack Brené Brown's definition of real connection and contrast it with the conditional, role-based relationships many of us grew up with in patriarchal or high-control systems.The Neuroscience of Sisterhood: Why having women in your corner physically increases your capacity to handle hard things and alters your brain's perception of fear—turning an overwhelming threat into a manageable challenge.The Physical Danger of Isolation: Digging into the U.S. Surgeon General's research showing that loneliness carries health risks equivalent to smoking and obesity.Decentering Men and Healing Relational Aggression: How shifting away from competing for male attention allows women to rebuild the broken maternal lines and form safe, sacred webs of support.What "Doing Your Own Work" in Community Looks Like: Why real community isn't a passive venting space or a codependent rescue mission—it's a mirror, a net, and a container for deep self-responsibility.Show Notes: Strong Ground - Brene BrownThe Rise & Fall of Capitalism - Diabolical LiesInstagram ReelOur Epidemic of Loneliness and Isolation: The U.S. Surgeon General's Advisory on the Healing Effects of Social Connection and Community. - Surgeon General's AdvisoryDoing Almost Anything is Better With Friends, Research Finds - Washington PostDavis AJ, Crittenden B, Cohen E. Effects of social support on performance outputs and perceived difficulty during physical exercise. Physiol Behav. 2021 Oct 1;239:113490. doi: 10.1016/j.physbeh.2021.113490. Epub 2021 Jun 15. PMID: 34139269.The role of social support and social identification in challenge and threat, perceived stress, and life satisfaction. Jamie C. Gillman, Martin J. Turner, Matthew J. SlaterFirst published: 11 July 2024 https://doi.org/10.1111/spc3.12982Support the showThe Deep Dive - 3 Month One-on-One Coaching IntensiveText 90MIN to 33777 to book a 90-Minute Session with me. ✨Text STAYORGOCOMMUNITY to 33777 to join the community. ⚡️Text EMAILME to 33777 for the free tarot guide using ChatGPT.

On this episode of Fast Casual Nation, Paul Barron and Cherryh Cansler talk with Claudia Lezcano, CEO of Fuku, about how the David Chang chicken brand is growing through stadiums, airports and college campuses before it franchises. Lezcano covers the economics of "quick culinary," the lessons from Fuku's corporate restaurants in West Palm Beach and Coral Gables, and how she negotiates with landlords, sports teams and airport operators. She also shares how she was paid $400,000 to exit a lease and lays out the plan for 15 to 20 franchise locations by the back half of 2028. The hosts also discuss why restaurant resales fell in 2026 and preview the Fast Casual Executive Summit, October 4 to 6.#FastCasualNation #Fuku #RestaurantRealEstateBecome a supporter of this podcast: https://www.spreaker.com/podcast/fast-casual-nation--3598490/support.Get Your Podcast Now! Are you a hospitality or restaurant industry leader looking to amplify your voice and establish yourself as a thought leader? Look no further than SavorFM, the premier podcast platform designed exclusively for hospitality visionaries like you. Take the next step in your industry leadership journey – visit https://www.savor.fm/Capital & Advisory: Are you a fast-casual restaurant startup or a technology innovator in the food service industry? Don't miss out on the opportunity to tap into decades of expertise. Reach out to Savor Capital & Advisory now to explore how their seasoned professionals can propel your business forward. Discover if you're eligible to leverage our unparalleled knowledge in food service branding and technology and take your venture to new heights.Don't wait – amplify your voice or supercharge your startup's growth today with Savor's ecosystem of industry-leading platforms and advisory services. Visit https://www.savor.fm/capital-advisory

Most firms think their competition is the CPA office down the street. Jody Padar, co-founder of XcelLabs and the original Radical CPA, says that is not even close. In this episode, she joins Tom Wadelton and Adam Hale to talk about why AI's real job in accounting is making CPAs more human, not replacing them, and how her company built a coaching tool that scores advisors on authenticity and clarity instead of billable hours.Key Takeaways:The real competition isn't another firm. Jody says most CPAs are still comparing themselves to the firm down the street, when the actual threat is a FinTech or a VC-backed startup building a firm from a blank sheet of paper.Navi coaches the human, not the workflow. Jody's company, XcelLabs, built Navi to listen to advisory calls and score CPAs on authenticity, clarity, and impact instead of billable hours.Practice the hard conversation before you have it live. Navi lets CPAs rehearse a pricing conversation or advisory pitch against an AI client before ever picking up the phone with a real one.Humanness is the differentiator for 2030. As AI takes over routine compliance work, Jody argues the CPAs who thrive will be the ones who lead with authentic, well trained client relationships.Episode resources: ● XcelLabs Academy: http://www.xcellabsacademy.com ● If you have questions or would like to be a guest on the show, email us at mcpasuccessshow@anderscpa.com ● Check out the Virtual CFO Playbook Course: https://anderscpa.com/virtual-cfo-services/vcfo-playbook/Quotes:Jody Padar: "It is going to be our humanness."Jody Padar: "Most CPAs don't realize their competition isn't another firm. It's a FinTech or a VC-backed startup that just got a bazillion dollars to build a new firm with a blank slate of paper."Adam Hale: "We have to move to more of a simulation, just like flight. If you learn to fly, they're not throwing you in the airplane and saying, hey, figure it out. They're putting you in something where you can get hands-on experience."Tom Wadelton: "Tons of people are going to come and say, I can give you better-looking dashboards and data, but it's the person who's saying, yeah, but we'll have the conversation in the wisdom."About the Guest Jody Padar, CPA, known as The Radical CPA, is a leading voice in accounting transformation. She pioneered the cloud firm model and has been named to Accounting Today's Top 100 Most Influential People list for more than a decade. A three-time author and sought-after advisor, Jody has helped firms evolve across traditional practices, cloud models, and fintech startups, including Botkeeper and April.Today, she co-founded XcelLabs, where she leads AI-X, an AI-powered firm model helping CPA firms move beyond automation and build future-ready leadership.Website: http://www.xcellabsacademy.comLinkedIn: https://www.linkedin.com/in/jody-padar-18a9711/About the Hosts Tom Wadelton is a Virtual CFO at Anders, bringing over 20 years of financial expertise from his tenure at a Fortune 500 company. He has extensive experience spanning financial management, accounting operations, and information technology integration. Tom specializes in delivering strategic Virtual CFO services, helping businesses optimize their financial performance through advanced accounting solutions. LinkedIn: https://www.linkedin.com/in/tomwadelton/ Adam Hale, CPA, is a Partner and Managing Director of Advisory at Anders, dedicated to transforming traditional accounting practices through innovative Virtual CFO services. With over 20 years in public accounting, Adam has been instrumental in the ideation and development of CPA training courses. LinkedIn: https://www.linkedin.com/in/adamhalecpa/About the Show The Modern CPA Success Show is the go-to podcast for accounting firm owners eager to enhance profitability and master Virtual CFO services. This podcast leverages combined expertise in delivering top-tier Virtual CFO services across North America.Website: https://www.buzzsprout.com/2458888Facebook: https://www.facebook.com/AndersCPALinkedIn: https://www.linkedin.com/company/anders-cpa/Instagram: https://www.instagram.com/anderscpa/YouTube: https://www.youtube.com/@andersvcfo#VirtualCFO #AccountingAI #CPAFirmGrowth

Ready to retire early? Start here ⬇️→ https://learn.rootfinancial.com/64e423The tax difference between retiring in California and retiring in a state with no income tax can add up to a significant amount over a long retirement. For some people, that gap is large enough to change when they can stop working. For others, it is real money that still does not outweigh what they would be giving up.In this video, Ari walks through five tax-friendly states worth knowing about, alongside the research that complicates the straightforward case for moving. A study he references found that more than half of retirees who relocate primarily for financial reasons end up moving back to their original state within five years. The three most common reasons: costs they did not anticipate, difficulty rebuilding community and social connection, and a gap between what they imagined life would look like and what it actually felt like.The five states he covers are Florida, Tennessee, Wyoming, Nevada, and South Dakota, each with no state income tax and meaningfully lower tax burdens overall. He also points out a few surprises: Pennsylvania does not tax retirement account distributions at all, which often goes unmentioned, while North Carolina does tax them, which catches people off guard. Florida, despite having no income tax, carries higher homeowner's insurance and property taxes than most people factor in when comparing states on paper.There is also the less obvious cost of moving away from family. Travel back and forth, however often that ends up being, is a real line item that most retirement relocation analyses do not include.Ari's position throughout is the same one he brought to the Florida versus New York comparison: start with where you actually want to live. The tax savings are worth understanding clearly, but they should inform the decision rather than make it.--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.

Governor Newsom signed dozens of bills into law over the weekend, including a few in response to the Boyle Heights warehouse fire. Tropical storms could bring flooding and rip currents to SoCal beaches. And the L.A. Museum of Contemporary Art gets a new C-E-O Plus, more on Morning Edition. Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.comSupport the show: https://laist.com

The turnover ratio in your portfolio is there to show you how much the holdings have changed over the last year. Today, Paul talks about market timing and why having a high turnover ratio is the easiest way to see if your advisor or manager is actively managing your retirement savings. Listen along to hear how prevalent market timing is and how confident investors check in to make sure they are truly building and holding on to investments in the long-term.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

Coastal Zone Woes Gas Prices Will Kill Us In Nov Wendys Returns To Yellow Cleanser/Wendy's Bacon Double/PromoSee omnystudio.com/listener for privacy information.

"Lake City PSA - Water Boil Advisory Lifted" Lake City Mayor Brian Quinn and Lake City City Administrator Rob Keehn on the Water Boil Advisory being lifted today, 9/28/26.

Il quadro di riferimento settimanale a cura del Team Advisory di Ersel per il 28 settembre 2026. I principali temi:i livelli raggiunti dei tassi di interessela difficile situazione politicaHormuz, il petrolio di nuovo alto e l'aumento dell'inflazioneRestate aggiornati e buon ascolto!l presente podcast è destinato esclusivamente a scopi informativi/ di marketing non sostituendosi al prospetto informativo o ad altri documenti legali di prodotti finanziari ivi eventualmente richiamati. Nel caso, si prega di consultare il prospetto dell'OICVM/documento informativo e il documento contenente le informazioni chiave per gli investitori (KID) prima di prendere una decisione finale di investimento che può essere effettuata solo previa valutazione dell'adeguatezza del servizio o dello strumento finanziario rispetto al profilo individuato con il questionario MiFID. Solo la versione più recente del prospetto, dei regolamenti, del Documento chiave per gli investitori, delle relazioni annuali e semestrali del fondo può essere utilizzata come base per decisioni di investimento. Il presente podcast non costituisce né un'offerta né una sollecitazione all'acquisto, alla sottoscrizione o alla vendita di prodotti o strumenti finanziari o una sollecitazione all'effettuazione di investimenti. Ersel ha verificato con la massima attenzione tutte le informazioni rappresentate nel presente podcast e compiuto sforzi per garantire che il contenuto di questo podcast sia basato su informazioni e dati ottenuti da fonti affidabili, ma non garantisce della loro esattezza e completezza non assumendosi alcuna responsabilità. Ersel non si assume alcuna responsabilità circa le informazioni, le proiezioni o le opinioni contenute nel presente podcast e non risponde dell'uso che terzi potrebbero fare di tali informazioni, né di eventuali perdite o danni che possano verificarsi in seguito a tale uso. Il presente podcast può fare riferimento alla performance passata degli investimenti: i rendimenti passati non sono indicativi di quelli attuali o futuri. Le indicazioni e i dati relativi agli strumenti finanziari, forniti dalla Società, non costituiscono necessariamente un indicatore delle future prospettive dell'investimento o disinvestimento. È vietata la riproduzione e/o la distribuzione del presente podcast, non espressamente autorizzata.

Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/a8aca2=======================The problem is, most retirement advice out there isn't built for people retiring early. Most people don't even realize how different it is. These are the 9 things you need to know before you retire early, broken into what's different, what gets riskier, and what actually works in your favor. We're going to cover: - the 401(k) rule that lets you pull money penalty-free at 55, and the one mistake that disqualifies most people from using it- why the exact same withdrawal rule everyone quotes can leave an early retiree completely out of luck- the spending gap that barely matters at 65 but can derail everything if you retire at 48- the one thing almost nobody gets right about how aggressive your portfolio should actually be- the tax strategy window that's nearly impossible to use at 67, but wide open if you retire at 47- why the real prize of early retirement was never actually the money--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!

AI is forcing consulting firms to rethink what clients are really paying for. In this conversation, originally recorded for The Leaders in Consulting Podcast, Olly Purnell, Managing Partner and Co-Founder of Q5, joins Kantata's Sarah Edwards to explore how AI is reshaping the traditional consulting model, why specialist expertise is becoming more valuable, and how services firms need to evolve across talent, pricing, delivery, and growth.In this episode, they discuss:Why AI is disrupting the traditional consulting modelThe shift from generalist consulting to specialist expertiseHow delivery is moving toward shorter, higher-value engagementsWhy the future workforce needs both human judgment and AI fluencyHow pricing, culture, and growth strategies need to evolveTo learn more about Leaders in Consulting, the exclusive hub for like-minded consultancy leaders visit their website: https://www.leadersinconsulting.com/ Hosted on Acast. See acast.com/privacy for more information.

Paul shares that while most people believe that the FED sets interest rates and the markets follow, it's actually the other way around. Listen along as the Investor Coaching explains why interest rates fluctuate, how the market drives these changes, and why it's important to know the basics of how the economy works so you don't get swept up in the hype when the media overreacts to changes.   Later in the episode, Paul talks about the deregulation of gambling and how it's blurring the lines for investors who are feeling behind or want to make it big.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

Today we sit down with Vaughan Scott to unpack how a financial advisory firm survives big transitions by putting the team first and hiring people who treat advice as a calling. We dig into practical leadership moves that keep talent for decades, create clear growth plans, and make succession planning feel steady instead of scary.Key topics discussed in this episode:• The origin story behind Axiom Financial Strategies Group and lessons from industry upheaval• Why “team” beats individual heroics in firm growth• How long-term retention is built through care, support, and shared values• Why paraplanners can bridge service and advisory work• Succession planning mechanics, valuation, financing, and early economic clarityFollow Elite Achievement for more conversations on leadership and high-level execution.About VaughanVaughan Scott, MBA, CPWA®, is Co-Founder and Managing Partner of Axiom Financial Strategies Group, an independent registered investment advisor. He has advised family enterprises and entrepreneurs on financial, strategic, transition, and succession needs since 1997. Vaughan is also a professor in practice at the University of Louisville, where he teaches business consulting in MBA and graduate programs, and an instructor with the Family Firm Institute's Global Education Network. Throughout his career, he has been dedicated to helping families preserve their wealth, capitalize on opportunities, and successfully transition their businesses, wealth, and values to future generations.Connect with VaughanWebsiteLinkedInAbout Kristin BurkeKristin Burke works with financial advisors and leaders in financial services who are building and scaling firms. She helps them lead more effectively, develop their team, and execute consistently on the priorities that drive growth.Work with KristinIf you are building a firm and want a strategic partner to help you think through leadership, team development, and execution, you can learn more about working with Kristin here:WebsiteConnect on LinkedInLinkedInAxiom Financial Strategies Group LLC (“Axiom”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Axiom and its representatives are properly licensed or exempt from licensure.The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor.For additional information, please visit our website at https://www.axiomfsg.com/.

Sponsors:Intuit Accountants - http://uqb.promo/intuitLink My Books - http://uqb.promo/linkmybooksPilot - http://uqb.promo/pilot(00:00) - Follow the Money Setup (01:32) - Q4 Scoreboard and Guidance (02:47) - Customer Growth Slowing (03:22) - QuickBooks Free and Lite (05:11) - Moving Upmarket Fast (06:30) - Accountants Drive Enterprise (07:38) - Accountant Suite and Advisory (08:45) - AI Native and Oversight (10:16) - Money at the Center (11:34) - Desktop and Mailchimp Watch (13:17) - Next Four Quarters Checklist (15:07) - Three Practical Actions (16:15) - Closing and Royalwise Updates LINKSAlicia's Fall classes! Attend the live webinar or watch the recording on-demand, all with CPE. Become a member of the OWLS for free automatic enrollment into all courses:Customizing QBO: http://royl.ws/CustomizingQBO?affiliate=5393907AI in QBO: http://royl.ws/AI?affiliate=5393907Intuit Accountant Suite: http://royl.ws/IAS?affiliate=5393907We want to hear from you!Send your questions and comments to us at unofficialquickbookspodcast@gmail.com.Join our LinkedIn community at https://www.linkedin.com/groups/14630719/Visit our YouTube Channel at https://www.youtube.com/@UnofficialQBOPodcastSign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding 

Matt covers a big week for the Fed, breaking down the first interest rate hike in three years and what it could mean for markets.He also looks at a fresh reading on M2 money supply growth, a rare and historically negative correlation between stocks and bond yields, and a historical dataset that runs against the common narrative, showing stocks have actually performed better after Fed rate hikes than after Fed rate cuts. The episode closes with a look at household net worth growth by income tier since 2019.This podcast is for informational purposes only and does not constitute tax, legal, or financial advice. Advisory services are offered through Jessup Wealth Management, an SEC Registered Investment Advisor.If you've been enjoying The Independent Advisors Podcast for a while now and want to take the next step in your financial journey, I'd encourage you to head to our website, jessupwealthmanagement.com. Matt offers a 15-minute initial call where you can discuss your financial goals and see if JWM is a good fit for your needs.Scheduling is easy, once you land at jessupwealthmanagement.com just click "Schedule Initial Call" and select a time that works best for you! There's a quick survey to fill out that will help guide the conversation and ensure your time is used efficiently.If you're ready to learn more, visit jessupwealthmanagement.com and book your call today!

: Have you spent years accumulating company stock only to realize that selling it could trigger a massive tax bill?For many professionals, RSUs, options, and employee stock purchase plans can quietly grow into a concentrated position that creates both opportunity and risk. The stock has performed well, but now a significant portion of your net worth may be tied to a single company, and diversifying could come with substantial capital gains taxes.In this episode of The Abundance Mindset, we dig into advanced planning and investment strategies designed to offset capital gains in extreme circumstances. We also discuss how this strategy compares to more traditional solutions such as selling shares over time, charitable gifting, and regular tax loss harvesting strategies.If a successful stock position has left you wondering what to do next, this episode will help you move beyond the tax implications and focus on creating a strategy that supports your broader financial goals.⏱️ TIMESTAMPS00:00 The Concentrated Stock Problem00:54 A Stock Picking Story02:28 Why Taxes Get Messy04:00 Key Terms to Know05:52 The Long/Short Strategy 07:51 Sell Now or Spread It11:46 Charitable Stock Gifting13:01 Pressing the Tax Gas16:01 When to Use the Tax Loss Maximizer16:52 How the Strategy Works19:26 Costs Versus Savings21:10 Your Next Steps

Former Major League pitcher Taylor Cole returns to the Arista Wealth Management Podcast for a conversation with President and Senior Financial Planner Paul L. Moffat about what is happening both on and off the field in professional baseball.Taylor shares his perspective on the postseason, teams and players to watch, and how quickly momentum can change during the playoffs. Drawing from his own MLB career, he also provides an inside look at the financial realities facing professional baseball players, including league minimum salaries, team control, movement between the major and minor leagues, service time, and the long road to free agency.Paul and Taylor also discuss Major League Baseball's collective bargaining process, the relationship between players and team owners, and why labor negotiations can have such a significant impact on the sport. The conversation concludes with Taylor's firsthand perspective on clubhouse culture and the pressures players can face when difficult situations unfold inside an organization. In this episode:● Taylor Cole's perspective on the MLB postseason ● Teams and players that could make an impact in October ● The financial realities facing many professional baseball players ● League minimum salaries, service time, and team control ● Why reaching MLB free agency can take years ● The role of the MLB Players Association ● Collective bargaining and the relationship between players and owners ● Taylor's firsthand perspective on clubhouse culture and professional baseballThe opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed in this program is not a guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested in directly. As always, please remember that investing involves risk and the possible loss of principal. Please seek advice from a licensed professional.Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.

Paul spends some time every week watching the financial news so that you don't have to. Today, Paul shares an ad about Vanguard bond funds that, on the surface, seemed informative but really shows that the industry thinks it can pull one over on you. Listen along as Paul dismantles the pitch and explains how Vanguard uses emotional language to sell underperforming bond funds to young investors who should be focused on building wealth.   Later in the episode, Paul's son Andrew is studying for his Series 65 and finds a question on the test that goes against everything he knows about academic investing principles.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

How much money do federal employees actually need to retire? The White House's 2027 pay plan proposes no raise for most civilian feds, and the question everyone's asking is "why am I still working?" Better question: do you actually NEED to keep working, or do you just not know yet if you can afford to leave?Charles and Marcus walk through the 5-number test to run before you decide.

This episode we are joined by Mr.Bobby Tudor - CEO of Artemis Energy Partners - and board member of Murphy Oil - a NYSE listed energy company with a market cap of ~$5.5 billion. Mr. Bobby Tudor is the founder and CEO of Artemis Energy Partners, an Investing and Advisory platform focused on companies involved in the Global Energy Markets.Mr. Tudor is also a Retired Founder and CEO of Tudor, Pickering, Holt & Co.Prior to forming TPH, Mr. Tudor was a Partner at Goldman Sachs and a leader of its worldwide Energy practice. Over his 30-plus year career in Investment Banking, he has worked on many of the defining transactions of the period, across most energy subsectors and geographies.Mr. Tudor lives in Houston with his wife, Phoebe. They have three children, Caroline, Margaret, and Harry. The Tudors are passionate supporters of the Arts, Public Education, Social Services, and Public Parks.Mr.Tudor chairs Greentown Labs and the Houston Energy Transition Initiative, and is past chair of the Greater Houston Partnership and Rice University's Board of Trustees.Mr. Tudor holds a BA in English and Legal Studies from Rice University, and a JD from Tulane.Enjoy.Newsletter: Subscribe HereThank you to our sponsors.Without their support this episode would not be possible:Connate Water SolutionsATB Capital MarketsRemote Power CorpBunch Projects-*This podcast is for informational and educational purposes only, and is not intended as investment advice. Please do your own research, and consult professionals directly before making any investment decisions.Support the show

When Trump Accounts were first introduced, they had two main problems: The tax treatment was similar to a non-qualified account, and they invested only in large U.S. companies. Today, Paul discusses how the accounts have evolved since their introduction and why they may give many young Americans an opportunity to feel invested in the American dream. Listen along to hear the Investor Coach explain how confident investors understand these accounts in the bigger picture of saving and investing for minors.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Past performance is not indicative of future results. Diversification does not guarantee a profit or protect against loss. Any hypothetical examples are provided for illustrative purposes only, are based on stated assumptions, and do not represent actual client or account performance. Actual results will vary. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

Your CPG brand needs senior-level expertise, but that doesn't necessarily mean you need another full-time executive on payroll.In this episode I'm joined by Beth of S3 Connect, Rich of Atomos, and Rachel of Severo Consulting to break down what fractional leadership actually looks like and when it makes sense for a growing CPG brand.The three guests represent a larger informal community of cross-functional fractional CPG leaders from across the U.S. that  Beth Brown has built and leads, creating a network of experienced operators who support one another and bring expertise across different areas of the business.We discuss why fractional leadership goes far beyond “strategy.” The right fractional leader might serve as an ongoing advisor to the founder, build the processes and tools needed to create foundational structure, train or develop someone internally, or help manage execution through outside resources.We also explore the economics behind bringing in senior-level help. What does it cost when you make the wrong hire? When a junior employee is operating in a role beyond their experience? When poor processes quietly eat into your margins? Or when you make a major pricing, packaging, or operational decision without the right expertise?Beth, Rich, and Rachel share practical examples of where fractional leaders can quickly uncover opportunities and help founders make better decisions.If your business is reaching the point where you know you need more experienced leadership but aren't ready to build out a full C-suite, this conversation will help you understand what fractional leadership can look like and where to start.Startup to Scale is a podcast by Foodbevy, an online community to connect emerging food, beverage, and CPG founders to great resources and partners to grow their business. Visit us at Foodbevy.com to learn about becoming a member or an industry partner today.

"Understand there's no zero-risk option in a transaction, but there is a lot of upside, particularly if you can get everyone aligned." In this episode of The Inner Chief podcast, I speak to Natasha Mandie, Founder & CEO of EM Advisory, on the 4 Rs of M&A transactions, guiding high-stakes negotiations, and post-deal integration success.

THE EMN DAILY NEWS | Monday, 21 September 2026Tropical Storm Fay peaked at 70 miles per hour overnight, just short of hurricane strength, and is now weakening about 405 miles southwest of the Azores with no hazards to land. The Central Pacific Hurricane Center gives the remnants of Tropical Depression Fifteen-E a 60 percent chance of becoming a depression within seven days, possibly south or southeast of Hawaii later this week. National Preparedness Level 3 holds with 96 incidents and 10,886 personnel, down 437 in a day, and uncontained large fires fell from 46 to 34. The Southern Area carries more incidents than any other region, 36, as hot and dry conditions persist across the Lower Mississippi Valley. Boil water advisories are in effect in three states, including all of Monroe County, Indiana, and most of Kalamazoo, Michigan. The EMN NEWS Daily Brief is your concise daily update on national and state-by-state emergency management news.KEY TAKEAWAYSHawai'i watch: As of Sunday's outlook, the Central Pacific Hurricane Center puts formation chances for the remnants of Tropical Depression Fifteen-E near zero through 48 hours and at 60 percent over seven days as the system moves west to west-southwest. A depression could form south or southeast of the Hawaiian Islands once conditions improve. No watches are posted, keeping the first half of the week as the preparation window.Atlantic: Fay reached 70 miles per hour at the 0300 UTC advisory, then weakened to 65 miles per hour and 997 millibars by 0900 UTC, drifting south-southeast at 2 miles per hour. The National Hurricane Center expects Fay to become post-tropical in a day or two and to dissipate by Saturday. No hazards affect land.Wildfire posture: Preparedness Level 3 holds with 96 incidents, 34 uncontained large fires, 1,999,381 acres and 10,886 personnel, a drop of 437, per the Sunday situation report. Initial attack was light, with 60 fires and no new large incidents, and eight complex incident management teams remain committed. Year to date, the country is at 56,525 fires and 8,541,715 acres, 125 percent and 146 percent of the ten-year averages.Southern Area: Thirty-six incidents and 1,038 personnel, down 157, after 26 new fires. Dry River near Sonora, Texas, is 8,939 acres and 85 percent contained, with energy infrastructure threatened. Gracemont near Binger, Oklahoma, has destroyed 31 structures on 2,665 acres and is 60 percent contained. Relative humidity of 20 to 30 percent persists across the Lower Mississippi Valley.Northwest: Fourteen uncontained large fires, 5,050 personnel and five complex teams. The situation report no longer lists evacuations on Three Queens or Goat; Three Queens, near Snoqualmie Pass, is 9,566 acres and 23 percent contained, with numerous residences and critical infrastructure threatened. Border 2 in North Cascades National Park grew 345 acres, and Sisi near Stehekin is 15 percent contained, with residences and energy infrastructure threatened.California: The dome in Yosemite National Park grew 198 acres to 2,384 and remains 15 percent contained, with 525 personnel. Command on Timber was set to pass Sunday from Southwest Team 1 to California Team 6, with the fire at 25,435 acres, 59 percent contained and $169.9 million in costs. Floriston near Truckee moved from 25 to 45 percent contained and released 100 personnel.Rocky Mountains: Moonshine near Wheatland, Wyoming, is 7,325 acres and 61 percent contained, with residences threatened. Swiss Roll near Pagosa Springs, Colorado, is 36 percent contained, with energy infrastructure threatened. Rain fell Saturday over Davis Coulee and Sand Creek in Montana, where Sand Creek is 58 percent contained.Water systems: City of Bloomington Utilities issued a precautionary boil water advisory for all of Monroe County, Indiana, early Sunday after turbidity exceeded the permitted maximum, running through 3 p.m. today. Kalamazoo, Michigan, expects to lift its advisory today if Monday samples come back clean; it covers 19 of 22 city neighborhoods and Portage north of Interstate 94. Salemburg, North Carolina, restored service Saturday evening, but its advisory remains in effect.Federal assistance: SBA physical damage deadlines for the September 1 public assistance declarations close November 1 in Colorado and South Dakota and November 2 in Missouri and Texas. Economic injury applications stay open to June 1, 2027.Cyber: The most recent Known Exploited Vulnerabilities additions, posted this morning, are Friday's three Linux kernel entries, remediated by federal civilian agencies under Binding Operational Directive 26-04.Fire weather: Wet thunderstorms bring up to about an inch of rain to eastern Montana, Wyoming and the High Plains. Relative humidity drops to 7 to 18 percent across Nevada, the Mojave Desert and the Central Valley, with light winds; gusts of 25 to 30 miles per hour are likely along the Front Range and eastern Sierra.Tropical weatherTropical Storm Fay Public Advisory Number 7: NHC, 0300 UTC Sept 21Tropical Storm Fay Public Advisory Number 8: NHC, 0900 UTC Sept 21Tropical Storm Fay Forecast/Advisory Number 8: NHC, 0900 UTC Sept 21Central Pacific Tropical Weather Outlook: CPHC, 200 AM HST Sept 20, formation chance 60 percent in 7 daysCentral Pacific Tropical Weather Outlook: CPHC, 800 AM HST Sept 20Wildfire, nationalNICC Incident Management Situation Report: Sunday, Sept 20, 2026, 0730 MDTNICC Predictive Services discussion: Sept 20CISAKnown Exploited Vulnerabilities catalog: CVE-2025-39682, CVE-2025-39964 and CVE-2026-53266 added Sept 18; no later additions located in this sweepBinding Operational Directive 26-04: Prioritizing Security Updates Based on RiskFederal assistanceFederal Register: SBA notice, Texas, FEMA-4935-DR, amended incident period July 12 through August 4, published Sept 14Federal Register: SBA notices for Colorado FEMA-4944-DR, South Dakota FEMA-4938-DR and Missouri FEMA-4939-DR, published Sept 9 to Sept 14Texas and OklahomaNICC situation report: Dry River, Hydra, Gracemont and Calvary Creek, Sept 20Washington and OregonNICC situation report: Three Queens, Goat, Sisi, Border 2 and Little Giant, Sept 20CaliforniaNICC situation report: Dome, Timber, Plaskett and Floriston, Sept 20Wyoming, Colorado and MontanaNICC situation report: Moonshine, Swiss Roll, Davis Coulee and Sand Creek, Sept 20IndianaThe Bloomingtonian: City of Bloomington Utilities countywide boil water advisory, Sept 20Indiana Public Media: precautionary boil advisory for Monroe County, Sept 20MichiganThe Detroit News: Kalamazoo boil water advisory could end Monday, Sept. 20North CarolinaWRAL: Salemburg boil water advisory remains in effect, updated Sept. 20Links that need a note:* Advisory 8 has no NHC link. Both Fay advisory 8 products came through news-site mirrors of the NHC bulletin text, not nhc.noaa.gov, so I've marked them.* Two links are live pages. The situation report and one Central Pacific outlook link are overwritten with each new issue. After today they will show newer content than what the brief cites.* The CISA links are lost. I pulled the September 18 CISA alerts yesterday, but those links didn't carry over. A search just now couldn't recover them.* Three Federal Register links are lost. The same happened to the Colorado, South Dakota and Missouri notices. I've marked all of these as missing rather than rebuild addresses from memory.Tropical weather* Fay Public Advisory 7, NHC: https://www.nhc.noaa.gov/text/refresh/MIATCPAT1+shtml/200841.shtml* Fay Public Advisory 8, NHC text via Index-Journal mirror: https://www.indexjournal.com/news/hurricane/tropical-storm-fay-public-advisory-number-8/article_9a48d4f1-d16c-5f75-923d-febd44f298cf.html* Fay Forecast/Advisory 8, NHC text via Cape Weather mirror: https://capeweather.com/tropical-storm-fay-forecast-advisory-number-8/* Central Pacific outlook, 200 AM HST Sept 20 (live page, overwritten): https://www.nhc.noaa.gov/text/HFOTWOCP.shtml* Central Pacific outlook, 800 AM HST Sept 20: https://www.nhc.noaa.gov/mobile/text/refresh/HFOTWOCP+html/171133_HFOTWOCP.htmlWildfire, national (covers every NICC line in the state sections too)* Situation report and Predictive Services discussion (live PDF, overwritten daily): https://www.nifc.gov/nicc-files/sitreprt.pdf* Archive page for past situation reports: https://www.nifc.gov/nicc/incident-information/imsrCISA* KEV additions, Sept 18: link not recovered* Binding Operational Directive 26-04: link not recoveredFederal assistance* Texas, FEMA-4935-DR amendment, published Sept 14: https://www.federalregister.gov/documents/2026/09/14/2026-18756/presidential-declaration-amendment-of-a-major-disaster-for-public-assistance-only-for-the-state-of* Texas, FEMA-4935-DR original notice, published Sept 9: https://www.federalregister.gov/documents/2026/09/09/2026-18354/presidential-declaration-of-a-major-disaster-for-public-assistance-only-for-the-state-of-texas* Colorado, South Dakota and Missouri notices: links not recoveredIndiana* The Bloomingtonian: https://bloomingtonian.com/2026/09/20/bloomington-utilities-issues-countywide-boil-water-advisory-after-turbidity-spike/* Indiana Public Media: https://www.ipm.org/news/2026-09-20/precautionary-boil-advisory-issued-for-monroe-countyMichigan* The Detroit News: https://www.detroitnews.com/story/news/local/michigan/2026/09/20/kalamazoo-boil-water-advisory-could-end-monday/91781476007/North Carolina* WRAL: https://www.wral.com/news/local/boil-water-advisory-salemburg-september-2026/ This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit emnetwork.substack.com/subscribe

Bartender and James Beard nominee Ivy Leyenda joins Fast Casual Nation to break down whether cocktails belong on the fast casual menu. She talks batching for consistency, realistic price points ($12–$15), why she's skeptical of automated pour systems and pricey mocktails, and which accessible spirit brands can add a "craft" signal without wrecking your pour cost. Plus: a first look at this year's Perfect Pitch competitors ahead of the Fast Casual Executive Summit.#FastCasualNation #BeverageProgram #CocktailMenu #RestaurantIndustry #Mixology #FastCasual #RestaurantOperators #HospitalityBizBecome a supporter of this podcast: https://www.spreaker.com/podcast/fast-casual-nation--3598490/support.Get Your Podcast Now! Are you a hospitality or restaurant industry leader looking to amplify your voice and establish yourself as a thought leader? Look no further than SavorFM, the premier podcast platform designed exclusively for hospitality visionaries like you. Take the next step in your industry leadership journey – visit https://www.savor.fm/Capital & Advisory: Are you a fast-casual restaurant startup or a technology innovator in the food service industry? Don't miss out on the opportunity to tap into decades of expertise. Reach out to Savor Capital & Advisory now to explore how their seasoned professionals can propel your business forward. Discover if you're eligible to leverage our unparalleled knowledge in food service branding and technology and take your venture to new heights.Don't wait – amplify your voice or supercharge your startup's growth today with Savor's ecosystem of industry-leading platforms and advisory services. Visit https://www.savor.fm/capital-advisory

Send us Fan MailGenerosity, Taxes, and Exit Planning for Business OwnersThis episode of Keys to the Commonwealth Podcast features Landry Fields in conversation with Blazer Smith of National Christian Foundation, breaking down how charitable giving can do far more than move money. They talk through donor advised funds, appreciated assets, business exits, and how generosity can strengthen culture, family conversations, and long-term planning.If you own a business, are thinking about an exit, or want to give more strategically, this one is a practical look at how tax efficiency and generosity can work together.Key topicsBlazer Smith shares his background as a seventh-generation Kentuckian, former Capitol Hill staffer, and founder of a safety products company before moving into his current work with National Christian Foundation.NCF helps people and families grow in generosity through charitable solutions, especially around estates, inheritances, business exits, and major gifts.The conversation centers on the idea that many business owners want to be generous but struggle to balance taxes, cash flow, and timing.Blazer explains donor-advised funds, which he describes as a charitable checking account that can simplify giving, provide one receipt, and support anonymous gifts.A major theme is using appreciated assets, not just cash, to give more efficiently and reduce capital-gains exposure.The hosts discuss how charitable planning can also support employees, culture, and community impact inside a business.Blazer gives an example of a multifamily owner who used a fund creatively to help tenants in crisis while also improving operations and finances.Exit planning comes up repeatedly as one of the most important financial moments in a business owner's life, especially when done before a binding agreement is in place.The episode emphasizes that giving decisions are deeply tied to values, family, marriage, and legacy—not just taxes.Landry and Blazer both highlight the importance of having the conversation early, because most people do not know what they do not know.Timestamps00:00 — Introduction, sponsor mentions, and welcoming Blazer Smith 00:27 — Blazer's Kentucky roots and path from Capitol Hill to entrepreneurship 01:28 — Why tax season and generosity became a personal tension 03:31 — What National Christian Foundation does for givers and charities 04:48 — Serving families, business owners, and people clarifying their values 06:54 — Business owners, families, and the role of clarity in generosity 08:36 — Why values matter more as wealth and freedom increase 09:57 — How charitable solutions work beyond simply writing a check 10:20 — Donor-advised funds as a charitable checking account 10:54 — Using appreciated assets to increase giving and improve liquidity 11:30 — Real-estate example: solving tenant hardship while helping operations 13:53 — How donor-advised funds differ from setting up a nonprofit 14:18 — Advisory control versus direct ownership of the fund 15:25 — Saving time on taxes while streamlining multiple gifts 16:30 — Clarifying what a foundation is and what NCF actually provides 17:33 — Why NCF is the easy button for charitable giving 19:21 — Building a giving strategy around a business, team, and culture 20:00 — Stories of extreme generosity and its effect on family and employees 21:09 — Relational complexity around large gifts and inherited wealth 22:29 — Giving as part of culture, communication, and leadership 23:40 — The balance between simply giving cash and teaching values 24:26 — Why exit planning is one of the biggest financial moments for owners 25:50 — Why planning before a sale can save time, taxes, and stress 26:39 — Thinking long term about legacy, vision, and life after the exit 27:48 — The scale of wealth transfer and why timing matters now 28:18 — Why early conversations create better outcomes for exits 29:19 — Generosity, like insurance, is not one size fits all 30:00 — Why business owners should talk through their options before they act 31:25 — The danger of waiting until a sale or major change is already underway 32:09 — Why people often discover unexpected benefits after they start planning 33:06 — Friends do not let friends give cash when appreciated assets may be better 34:04 — Closing thoughts and how to connect with Blazer SmithNotable quotesCopy“I think everyone I know loves generosity.”Copy“The easy button for people that want to give.”Copy“Friends don't let friends give cash.”Action itemsIf you own a business, think about whether your giving should involve cash, appreciated assets, or a donor-advised fund.If you are considering an exit, start the conversation before a sale is locked in.Review whether your charitable giving is costing you unnecessary time at tax season.Talk with your spouse or family about what generosity and legacy should look like long term.Ask whether your current structure helps employees, culture, and community in addition to reducing taxes. Support the show

Financial advisory firms are facing major changes in how clients find advisors, how practices grow, and who will serve the next generation of investors. Preparing early can make those changes easier to manage. In this episode, Jeremy Houser explores how independent financial advisors can build stronger businesses through systems, team development, digital visibility, and succession planning. He examines the coming advisor retirement wave, the trillions of dollars expected to change hands, and how AI is changing advisor discovery. Jeremy also shares lessons from recent advisor events about leadership, client experience, content, and preparing a practice for long-term continuity. Key points: How advisor retirements and limited succession planning could put trillions of dollars of client assets in motion Why independent advisors need systems and team structures that reduce dependence on the founder of the practice How AI search, AEO, and website content are changing the ways prospective clients discover financial advisors Why younger generations receiving transferred wealth may expect different communication and digital experiences How consistent content, leadership development, and defined roles can prepare an advisory firm for future growth And more! Connect with Jeremy Houser: jeremy.houser@simplicitygroup.com 713-808-8548 Schedule a Call Our Teams Website Connect with Jeremy @jeremyhouser_amp @jeremyhouserAMP Disclosure #: 5901513 – 0926

Sometimes the math is the easy part.In this episode, Ari responds to a voicemail from a listener who, on paper, looks like a retirement planning success story. Strong income, a meaningful pension, a well-funded portfolio, and a clear sense of how much they want to spend. The numbers point in the right direction before anyone has done the math.But the more interesting questions are never the obvious ones.Ari starts where he always does, not with the account balance, but with the spending goal. Using what he calls the reverse engineering approach, he works backward from how much someone wants each month, subtracts the fixed income that will arrive regardless of portfolio performance, and identifies what the investments actually need to produce. For someone with a pension and eventual Social Security, that gap is often far smaller than expected.From there, the planning gets more nuanced. A large pre-tax balance that keeps compounding while fixed income covers most expenses will eventually create a forced distribution problem. The question of whether to do Roth conversions, and when, depends on the tax window between retirement and Social Security, whether a spouse is still earning income, and what spending actually looks like across a full retirement rather than just in year one.The retirement smile adds another layer. Spending tends to be higher early when health and energy are strongest, lower in the middle years, and higher again near the end. A plan that treats every year identically misses something important about how retirement actually feels to live.The goal is not to be told what to do. It is to understand the plan well enough to own it, question it, and trust it when life does not go exactly as modeled.A good plan explains itself. A great plan builds the confidence to actually follow it.--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 Parental Revisory, hosts Bethany and Mariano introduces The Grading Scale, giving honest answers to what grade they would give themselves as parents for the week and why.  In this episode:Room for ImprovementSleepovers: Yay or Nay?Nolan Wells and the ConversationMari's Gems

Melissa Muller, Founder and Principal Consultant at Muller Advisory Company, joins Duane Mancini for a practical conversation on what medtech founders must know before scaling beyond early adopters. Melissa breaks down why FDA clearance is only the starting line and why true growth depends on adoption readiness across clinical, financial, and commercial stakeholders. They dive into mapping the full clinical workflow end-to-end (including setup, IT, biomed, and reprocessing), identifying who must say yes (and who can still veto) through contracting and value analysis realities, and clarifying exactly how customers pay across hospitals, ASCs, and other sites of care. The conversation closes with how to drive repeat use, build advocates, and avoid “scaling assumptions” as care shifts and teams beyond the founder must carry the story.Melissa Muller LinkedInMuller Advisory Company LinkedInMuller Advisory Company WebsiteDuane Mancini LinkedInProject Medtech WebsiteProject Medtech LinkedInThank you to our sponsors: Ward Law, Wheelhouse DMG, and JumpStart Inc.

Protecting your money from inflation matters, but putting your money in Treasury Inflation-Protected Securities (TIPS) is rarely the solution. Today, Paul, Evan, and Jim talk about TIPS sales pitches and why they don't recommend TIPS to most investors. Listen along as these advisors show how a diversified portfolio can actually provide a better hedge against inflation and market volatility, as well as stronger emergency cash reserves than a strategy that ties up your money in TIPS.    Later in the episode, Paul brings up the weekly hysteria about AI security, Evan brings up Y2K, and the advisors hash out why being optimistic about the future is not irrational.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

Britain's NCSC, the FBI, and the Dutch AIVD have jointly warned about spyware they attribute to Iranian state-linked actors, including Iran's Ministry of Intelligence and Security. The malware is delivered through spear-phishing on WhatsApp and Telegram and can steal contacts, emails, messages, screenshots, and microphone audio. Some victim data later appeared on pro-Iranian leak sites. Officials said the tools are almost certainly used to repress dissidents, activists, and journalists.

If you've got $2 million or more saved, you probably think you already know how retirement goes. No more stress, finally enjoying life, doing whatever you want.That's not how it goes. Not because of the money. Because of what happens to your judgment, your spending, and your mental health once the paycheck actually stops, and almost nobody warns you about it in time.This is everything I tell my clients before they retire, including the story of a widow that still sits with me years later.We're going to cover:- the client whose husband died before they got to take the trip they'd planned their whole retirement around, and why I still think about it- why hitting $2 million, or any number, won't give you the feeling you think it's going to give you- the four phases every retiree goes through, and the one that quietly wrecks marriages and mental health if you get stuck in it- what happens to your tax bill the moment your spouse passes away, and why almost nobody plans for it in time- the shape your spending actually takes over a 20 or 30 year retirement, and why it's nothing like what you'd assume--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!

Episode 376: Don't Switch Advisory Firms Until You Watch This In Episode 376 of The Magellan Network Show, Coach Joe Lukacs breaks down the framework for evaluating a new advisory firm. Drawing from 157 client moves he's facilitated over his career, Joe shares a proven system for advisors, recruiters, and firms alike. Key topics: ✅ Why advisors really leave (hint: it's rarely about money) ✅ The two questions every advisor must answer before making a move ✅ Why you should always get three offers before deciding ✅ Tony Robbins' six human needs applied to firm selection ✅ The four box framework: compensation, compliance, tech, and culture ✅ Why if it's not in writing, it doesn't exist ✅ How firms handle AI and why it matters for your future ✅ What firms should be doing for culture, coaching, and community Whether you're an advisor considering a change, a recruiter facilitating moves, or a firm looking to attract talent, this episode delivers practical insights from the coach's perspective. Learn more or book time with Joe at coachjoe.guru, or visit magellannetwork.net.

Confident investors need to be careful when a company uses trusted celebrities to create fear and sell you the solution. Today, Paul, Evan, and Jim break down a gold advertisement featuring Dr. Phil and why it is a masterclass in marketing and misinformation. Listen along as these advisors refute the ad's claims that gold is the solution to geopolitical turmoil, inflation, market swings, and currency instability.   Later in the episode, Evan discusses a change to Qualified Charitable Distributions (QCDs) that may make it more important for you to chat with your financial advisor before you write a check to a charity from your 401(k).   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

In this episode of Welcome to a Better Lifestyle, i sit down with Luciano D'Iorio ,Regional President of CDNGLOBAL Québec, a seasoned commercial real estate professional with more than 25 years of experience in the industry. Luciano shares his perspective on advising clients through the complexities of commercial real estate, understanding what clients really need, understanding the bigger picture, and providing guidance in an industry where every situation can be different. Luciano D'iorio⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.cdnglobal.com514-567-2969

Episode 368 of The Independent Advisors Podcast: Legacy Giving with The Dayton Foundation. This special episode steps outside the usual market conversation for a conversation with Mike Parks, President and CEO of The Dayton Foundation, and Michelle Lovely, Senior Vice President of Development and Donor Services at The Dayton Foundation.The conversation covers the Great Wealth Transfer and what it could mean for the region, the real difference between legacy giving and planned giving, practical first steps for setting up a legacy gift, and true stories of the impact legacy gifts have made locally.--This podcast is for informational purposes only and does not constitute tax, legal, or financial advice. Advisory services are offered through Jessup Wealth Management, an SEC Registered Investment Advisor.If you've been enjoying The Independent Advisors Podcast for a while now and want to take the next step in your financial journey, I'd encourage you to head to our website, jessupwealthmanagement.com. Matt offers a 15-minute initial call where you can discuss your financial goals and see if JWM is a good fit for your needs.Scheduling is easy, once you land at jessupwealthmanagement.com just click "Schedule Initial Call" and select a time that works best for you! There's a quick survey to fill out that will help guide the conversation and ensure your time is used efficiently.If you're ready to learn more, visit jessupwealthmanagement.com and book your call today!

What are financial advisors actually taught when they first enter the industry? Today, Paul, Evan, and Jim reflect on 25 years of “The Investor Coaching Show” and the attacks on 9/11, and share the advice Paul and Jim received early on as advisors that pushed them over the edge. Listen along as these advisors talk about the pressure to survive, sound like an expert, and use complicated language to win people over in their early years, and how many advisors who “made it” are the ones who figured out how to make investing feel complicated and sell the solution.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

Christians want to be good stewards of their resources and make wise investing decisions. But Paul, Evan, and Jim point out three foundational problems with values-based funds: They can turn investing into speculation, their high turnover can resemble market timing, and the overlap among many of these funds suggests they may not be as diversified as advertised. Listen along to hear why assessing companies based on their values is unreliable and dangerous, and why evidence-based investing is stronger than value-based investing.    Later in the episode, Evan talks about Nvidia, a company that is usually the largest in these value-based funds, and how they contribute to data centers. Paul discusses the pressure on companies to move data centers outside of the United States to other countries that do not share U.S. interests.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

As a young lawyer working for an environmental nonprofit, Allison Clements always thought politics would prevent her from becoming an energy regulator. But by the time Senator Chuck Schumer recommended her to replace Cheryl LaFleur on the Federal Energy Regulatory Commission in 2019,  Allison had already been practicing energy regulatory law for 15 years, and she had the clean energy deployment experience the commission needed.When she left the Commission in 2024, Allison launched 804 Advisory to help  investors, developers, and nonprofits navigate energy decisions. This week on With Great Power, Allison shares why she thinks the energy affordability crisis and the growing data center backlash is quickening the pace of regulatory reforms. She also talks about how New Jersey and other states are advancing policies aimed at deploying clean, affordable energy. And she explains why she's so bullish on the opportunities for residential batteries and plug-in solar right now.Credits: Hosted by Brad Langley. Produced by Mary Catherine O'Connor. Edited by Anne Bailey. Original music and engineering by Sean Marquand. Stephen Lacey is executive editor. The GridX production team includes Jenni Barber, Samantha McCabe and Brad Langley.

Brandon Sedloff and Susan Long McAndrews explore the evolving landscape of private markets distribution on The Distribution. Susan brings over two decades of experience from Pantheon, where she led both GP allocation and built the firm's wealth channel from the ground up. Now advising private equity firms on wealth and 401(k) strategies, she offers insight into what works, what doesn't, and where the market is headed. They discuss: - Why evergreen funds were never primarily about liquidity and what the recent gating headlines missed - How single GP evergreen funds are reshaping access for both wealth clients and small institutions - Why private equity belongs in 401(k) plans and what it will take to get there at scale - The sales misalignment behind recent evergreen fund gates and how to properly position these products - What mid-market firms should consider before launching a wealth channel strategy This episode clarifies the real value proposition of evergreen structures and identifies which private markets firms are positioned to succeed in wealth distribution. Topics: (00:00:00) - Intro (00:03:15) - Early influences on investing (00:06:45) - Career path from Morgan Stanley to Russell (00:08:53) - Pentagon and China policy work (00:13:00) - Journey to Pantheon (00:15:09) - Allocating capital and manager selection (00:17:18) - What made a great manager (00:19:39) - Building the wealth channel (00:23:12) - Scaling evergreen funds (00:26:39) - Market evolution from 2020 to 2025 (00:28:50) - Gating headlines and evergreen misunderstandings (00:29:30) - Why evergreen funds work (00:36:16) - Advising wealth advisors today (00:38:56) - Single GP evergreen solutions (00:41:32) - Advisory work after Pantheon (00:44:46) - Should mid-market firms enter wealth (00:49:07) - Looking ahead at private markets (00:50:03) - The case for private equity in 401(k)s (00:52:05) - Transparency and technology in evergreens (00:54:45) - Realizations and market health Links: Susan on LinkedIn - https://www.linkedin.com/in/susan-long-mcandrews/ Brandon on LinkedIn - https://www.linkedin.com/in/bsedloff/ Juniper Square - https://www.junipersquare.com/

Sometimes the question is not whether you can retire. It is whether you are willing to be honest about what retiring early can look like.In this episode, Ari responds to a voicemail from a couple with a target retirement date, a month picked out, and a plan that looks solid on the surface. Two homes, multiple account types, a pension on the horizon, and a spending goal that seems reasonable. But the more interesting question is not whether the math works. It is whether the life they are building toward matches the one they actually want.Ari's first instinct is not to run projections. It is to ask whether they are enjoying life today. A household that is saving aggressively but skipping experiences it genuinely values is not optimizing for retirement. It is just deferring. At a certain point, the highest-value move is not saving more. It is getting clear on what the money is actually for.The spending conversation is where the plan gets real. A stated monthly budget is a starting point, not a conclusion. Most people spend more in the early years of retirement when health and energy are at their peak, and less later. Understanding that shape, how it rises, levels off, and shifts again with medical expenses and legacy decisions, changes what the portfolio actually needs to support and when.The account structure raises its own questions. Wealth spread across multiple account types, some accessible before traditional retirement age and some not, means the order of withdrawals matters as much as the total. The brokerage account becomes the bridge. Tax gain harvesting, subsidy planning, and the eventual pension and Social Security layering all depend on keeping that coordination intentional rather than accidental.Retiring at 52 with a specific month circled on the calendar is a legitimate goal. Getting there on those terms requires knowing exactly what you are willing to adjust and what you are not. That clarity is the plan.--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.

Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/c8e6cf=======================If you have a million dollars saved and five years until retirement, this is the last stretch where you can actually change how it turns out.I've sat across from people in your exact position who assumed they were set, then had to cut back once they actually retired.This is the exact process I'd run if that was my situation right now, step by step.This video is that process, five steps, in order.We're going to cover:- the exact dollar amount where your portfolio starts doing more of the work than your paycheck does- a couple with a million dollars today, five years to retire, and a plan that only worked if the market cooperated- what changes about how this couple should be invested if they wait even a few years to collect Social Security- the monthly savings number we had to say out loud that made the original plan fall apart- the two decisions about their house and their zip code that rewrote the whole plan without adding a dollar of 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!