Podcasts about Advisory

A single misunderstanding about Social Security spousal benefits can cost couples thousands over retirement. This episode unpacks the real math behind how Social Security treats spouses, ex-spouses, and survivors, so you can make smart claiming decisions that protect both cash flow and long-term security.Listen to learn how the spousal benefit actually works: it's based on 50% of the primary earner's full retirement age benefit, not when they file. We walk through clear examples showing who qualifies, how marriage length and divorce rules apply, and when a lower earner can switch from their own benefit to a larger spousal amount.James also separates spousal from survivor benefits—because they're not the same thing. Survivor checks can reach up to 100% of what the deceased earned, which makes timing even more critical for the higher earner. You'll hear how early filing, delayed credits, and coordination with 401(k) withdrawals or Roth conversions all play into your bigger retirement income plan.The goal: help couples see Social Security not as a guessing game, but as one of the most flexible (and misunderstood) tools for creating reliable income.If you're planning around two benefit records, a stay-at-home spouse, or a late-career divorce, this episode will clarify your options and help you avoid the traps that quietly shrink your lifetime income.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

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

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

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

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

In this episode of PropertyShe, Susan Freeman speaks with Mark Shipman, founding partner of Michael Elliott, to mark his 40th year in real estate. Widely recognised as one of London's leading investment advisers, Mark reflects on his early career, landmark deals, and the evolution of the London property market. He also shares his perspective on current market conditions, international investment trends, and how technology and regulation are reshaping the industry. In this episode, Mark Shipman speaks about: Career beginnings & early influences – upbringing, first roles, mentors, and founding Michael Elliott at 24. Formative deals & Chelsfield – early trades (e.g., Great Newport Street), portfolio transactions, and scaling through the 1990s–2000s. How London's market has evolved – rise of global capital, why international investors choose London (law, stability, culture), and today's buyer mix. Market cycles & shocks – lessons from the early-90s downturn, LTCM (1998), the 2008 crisis, and COVID's long-term impact on confidence and debt. Current investment sentiment – ebb and flow of overseas capital, growth of owner-occupier HQ purchases in prime Mayfair and St James's. Policy and tax headwinds – potential effects of a mansion tax, the end of tax-free shopping, and wider fiscal uncertainty. Public markets & capital structure – REIT discounts, possible sector consolidation, and investor shifts towards lending and AI-linked opportunities. Development and placemaking – examples including Sterling Square and the Fenwick/Bond Street redevelopment; importance of architecture, design, and tenant mix. Hospitality snapshot – strong mid-market hotel performance contrasted with softer ultra-luxury demand. Operator-led transactions – OpCo/PropCo structures and the BBC Maida Vale acquisition involving Hans Zimmer's team. Law and regulation – how the Building Safety Act 2022 is reshaping development risk and timelines. AI in real estate – valuable analytical tool but still dependent on human judgment and negotiation. Advisory approach & lessons – the importance of adaptability, financial understanding, and trusted professional relationships. 

What if the “smart” money choice isn't the choice that builds your best life?This Root Talks episode starts with a bucket-list moment for James—throwing the first pitch at a Padres game—and turns into a bigger lesson: money is a tool to create meaning, not a score to keep. It's a look at the Five Types of Wealth (financial, time, social, mental, and physical) and why the spreadsheet answer isn't always the human answer.Ari and James share real examples: paying for time to be with family and friends, choosing health over “perfect” returns, even saying yes to a once-in-a-lifetime trip when it matters most. It's practical retirement planning and financial planning through a different lens—purpose-driven wealth, money mindset, peace of mind.If the goal is a life well lived, optimization means aligning dollars with values: relationships, adventure, and the stories you'll keep telling. That's true retirement lifestyle design... building a life you don't want to retire from.Watch to rethink “financially optimal,” and learn how to use your money to buy back time, reduce stress, and live on purpose.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

What if the “smart” money choice isn't the choice that builds your best life?This Root Talks episode starts with a bucket-list moment for James—throwing the first pitch at a Padres game—and turns into a bigger lesson: money is a tool to create meaning, not a score to keep. It's a look at the Five Types of Wealth (financial, time, social, mental, and physical) and why the spreadsheet answer isn't always the human answer.James and Ari share real examples: paying for time to be with family and friends, choosing health over “perfect” returns, even saying yes to a once-in-a-lifetime trip when it matters most. It's practical retirement planning and financial planning through a different lens—purpose-driven wealth, money mindset, peace of mind.If the goal is a life well lived, optimization means aligning dollars with values: relationships, adventure, and the stories you'll keep telling. That's true retirement lifestyle design... building a life you don't want to retire from.Watch to rethink “financially optimal,” and learn how to use your money to buy back time, reduce stress, and live on purpose.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

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

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

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Andrew McCaughan, Chief Development Officer at Shake Shack, joins Fast Casual Nation to discuss the iconic burger brand's ambitious journey from 3 locations to a goal of 1,500 U.S. restaurants. McCaughan shares insights on Shake Shack's evolution from urban high-profile locations to suburban expansion with multiple formats including drive-throughs, experiential flagships with full bars, and innovative digital ordering systems. Learn about their technology strategy, international growth across 20 countries, real estate challenges, culinary innovation including the viral Dubai Shake, and how they're maintaining Danny Meyer's hospitality values while scaling globally. Plus, hear about their new Atlanta innovation center and plans for Oklahoma City expansion.ShakeShack #FastCasualNation #RestaurantIndustry0:00 - Intro0:14 - Rising food costs & staffing challenges3:24 - Guest intro: Shake Shack's Chief Development Officer5:05 - Growth from 3 to 600+ global locations7:51 - Expanding into suburbs, drive-thrus & bar concepts11:35 - Tech & AI roadmap: kiosks, app, personalization14:35 - Scaling while preserving brand values & culture16:11 - Global expansion: 20+ countries & local menus21:14 - Maintaining warmth & New York credibility22:04 - Balancing digital orders with in-store hospitality24:23 - Atlanta innovation center & kitchen tech27:11 - Real estate shifts & development challenges28:52 - Next experiential store: Atlanta & Las Vegas31:00 - Reaching Gen Z & next-gen burger fans33:02 - Rapid fire: new markets, metrics, trends35:09 - Closing remarks & episode wrapGet Your Podcast Now! Are you a hospitality or restaurant industry leader looking to amplify your voice and establish yourself as a thought leader? Look no further than SavorFM, the premier podcast platform designed exclusively for hospitality visionaries like you. Take the next step in your industry leadership journey – visit https://www.savor.fm/Capital & Advisory: Are you a fast-casual restaurant startup or a technology innovator in the food service industry? Don't miss out on the opportunity to tap into decades of expertise. Reach out to Savor Capital & Advisory now to explore how their seasoned professionals can propel your business forward. Discover if you're eligible to leverage our unparalleled knowledge in food service branding and technology and take your venture to new heights.Don't wait – amplify your voice or supercharge your startup's growth today with Savor's ecosystem of industry-leading platforms and advisory services. Visit https://www.savor.fm/capital-advisory

In this episode of Building the Premier Accounting Firm, host Roger Knecht and guest Steven Weisberg discuss the expanding world of tax resolution services and why accounting professionals should consider offering them. Learn about effective marketing strategies, different types of tax resolution options, and the profound emotional relief clients experience. In This Episode: 00:00 Introducing Steven Weisberg: Tax Attorney 04:21 Tax Resolution: Attorney vs. CPA/EA 07:33 The Expanding Tax Resolution Market 12:10 Effective Marketing for Resolution Services 16:11 Navigating Tax Resolution Options 20:44 Pricing Resolution Services with Flat Fees 24:04 Emotional Relief and Ramifications of Inaction 31:14 Addressing Taxpayer Annoyance and Sovereign Citizen Claims 36:09 Key Takeaways and Final Advice Key Takeaways: Explore the history of tax resolution and why it's a growing field. Understand the distinctions between tax preparation, planning, and resolution services. Learn effective marketing techniques for tax resolution, focusing on value and client benefits. Discover the benefits of collaborative relationships with other tax professionals. Gain insights into various tax resolution options like installment agreements and currently non-collectible status. Featured Quotes: "The IRS is really the largest collection agency on the planet and the most powerful." — Steven Weisberg "They'll pay you monthly because they want this issue resolved." — Steven Weisberg "The earlier that your taxpayers can get to a professional that can help them, the more leverage that they have." — Steven Weisberg Behind the Story: Steven Weisberg shares his journey from corporate bankruptcy law to tax resolution, driven by a desire to help small businesses rather than large corporations. He highlights the growing need for tax resolution services due to IRS changes and discusses the critical role tax professionals play in advocating for clients against the powerful IRS. Conclusion: Thank you for joining us for another episode of Building the Premier Accounting Firm with Roger Knecht. For more information on how you can establish your own accounting firm and take control of your time and income, call 435-344-2060 or schedule an appointment to connect with Roger's team here. Sponsors: Universal Accounting Center Helping accounting professionals confidently and competently offer quality accounting services to get paid what they are worth.   Offers: Get in touch with Stephen on LinkedIn or visit his website taxdebtattorney.tax Get a FREE copy of these books all accounting professionals should use to work on their business and become profitable.  These are a must-have addition to every accountant's library to provide quality CFO & Advisory services as a Profit & Growth Expert today: "Red to BLACK in 30 days – A small business accountant's guide to QUICK turnarounds" – This is a how-to guide on how to turn around a struggling business into a more sustainable model. Each chapter focuses on a crucial aspect of the turnaround process - from cash flow management to strategies for improving revenue. This book will teach you everything you need to become a turnaround expert for small businesses. "in the BLACK, nine principles to make your business profitable" – Nine Principles to Make Your Business Profitable – Discover what you need to know to run the premier accounting firm and get paid what you are worth in this book, by the same author as Red to Black – CPA Allen B. Bostrom. Bostrom teaches the three major functions of business (marketing, production and accounting) as well as strategies for maximizing profitability for your clients by creating actionable plans to implement the nine principles. "Your Strategic Accountant" - Understand the 3 Core Accounting Services (CAS - Client Accounting Services) you should offer as you run your business. Help your clients understand which numbers they need to know to make more informed business decisions. "Your Profit & Growth Expert" - Your business is an asset. You should know its value and understand how to maximize it. Beginning with the end in mind helps you work ON your business to build a company you can leave so that it can continue to exist in your absence or build wealth as you retire and enjoy the time, freedom, and life you want and deserve. Follow the Turnkey Business plan for accounting professionals.  This is the proven process to start and build the premier accounting firm in your area.  After more than 40 years we've identified the best practices of successful accountants and this is a presentation we are happy to share.     Also learn the best practices to automate and nurture your lead generation process allowing you to get the bookkeeping, accounting and tax clients you deserve.  GO HERE to see this presentation and learn what you can do today to identify and engage with your ideal clients.   Check it out and see what you can do to be in business for yourself but not by yourself with Universal Accounting Center.   It's here you can become a:   Professional Bookkeeper, PB Professional Tax Preparer, PTP Profit & Growth Expert, PGE   Next, join a group of like-minded professionals within the accounting community.  Register to attend GrowCon and Stay up-to-date on current topics and trends and see what you can do to also give back, participating in relevant conversations as they relate to offering quality accounting services and building your bookkeeping, accounting & tax business.   The Accounting & Bookkeeping Tips Facebook Group The Universal Accounting Fanpage Topical Newsletters: Universal Accounting Success The Universal Newsletter   Lastly, get your Business Score to see what you can do to work ON your business and have the Premier Accounting Firm. Join over 70,000 business owners and get your score on the 8 Factors That Drive Your Company's Value.   For Additional FREE Resources for accounting professionals check out this collection HERE!   Be sure to join us for GrowCon, the LIVE event for accounting professionals to work ON their business. This is a conference you don't want to miss.   Remember this, Accounting Success IS Universal. Listen to our next episode and be sure to subscribe.   Also, let us know what you think of the podcast and please share any suggestions you may have.  We look forward to your input: Podcast Feedback   For more information on how you can apply these principles to start and build your accounting, bookkeeping & tax business please visit us at www.universalaccountingschool.com or call us at 8012653777  

Aubrey Masango joined by Dr Frank Magwegwe, Head of Financial Wellness and Advisory at Nedbank and GIBS faculty member discuss what you can do to finish the year strong when it comes to your finances.Tags: 702, Aubrey Masango show, Aubrey Masango, Bra Aubrey, Dr Frank Magwegwe, Financial Wellness, Financially smart The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

What does Pakistan's shift to a fully Islamic financial system by 2028 mean for financial institutions? We explore the impact of the FSC's ruling and State Bank reforms, offering strategic insights into regulatory transformation, market leadership, and new opportunities in financial inclusion and the Islamic economy. We hear from industry leaders on how to position for success in a changing landscape.Moderator:Dr Irum Saba, Director of the Centre for Excellence in Islamic Finance, Institute of Business AdministrationPanelists:Azeem Pirani, Chief Operating Officer and Executive Director, EFU Life AssuranceMuhammad Faisal Shaikh, Head, Shariah Compliance and Advisory, Faysal BankShauzab Ali, Principal Project Officer, Asian Development BankSyed Tanveer Hussain, Group Executive and SEVP - Corporate, Commercial and Investment Banking, Meezan Bank

Brian Skrobonja talks about the hidden trap of survival mode: that quiet, familiar mindset that keeps you safe but small. He explains why so many people in midlife mistake control for security, and how shifting from a scarcity mindset to a mentality of abundance changes everything about how you earn, spend, and live. Tune in to hear what it really takes to move from survival to strategy, from managing scarcity to creating abundance, and why your next level of wealth starts in your mind, not your bank account. Brian starts by explaining how time sneaks up on us. One day you're in your 20s, and before you know it, decades have passed and you're in your 40s and 50s. Brian reveals that survival mode can feel safe because it's familiar. It got you through the student loans, the mortgage, the chaos of raising kids. But staying there too long turns what once protected you into what now holds you back. Learn why survival mode isn't a wealth strategy, it's a coping mechanism. It helps you survive the storm, but it won't help you build the life you're meant for. Brian explains what survival mode sounds like — phrases like "let's just get through this month," or "I'll do it myself, why pay someone else." It's the mindset of always managing crisis instead of creating space. And over time, that mindset becomes a ceiling you can't see but always feel. According to Brian, the midlife shift begins when you realize your greatest assets aren't money or status. They're your time, your energy, and your ability to think beyond what used to be possible.  Brian reveals that in survival mode, every dollar has a job: pay bills, pay debt, save a little, repeat. But in strategy mode, every dollar has a mission: grow, create margin, and buy back time. How to see money differently: not as control, but as freedom.  Brian shares that when couples view money as a tool to create experiences and peace of mind, their entire relationship with it changes. Suddenly, money becomes connection, not conflict. Learn how to shift from scarcity to abundance thinking. From "there's never enough" to "I can create more." Brian reveals that scarcity doesn't always look like struggle. Sometimes it looks like the person who's debt-free but afraid to invest or try something new. It's protection disguised as prudence, and it keeps your potential locked away. Brian explains the danger of carrying your old survival habits into midlife. You might think you're being smart, but what you're really doing is protecting what you have instead of growing what's possible. You end up loyal to your limitations instead of your evolution. For Brian, abundance isn't fantasy thinking. It's confidence in your ability to generate value, attract opportunity, and recover from mistakes.  Learn how abundance thinking changes the questions you ask. Instead of "how do I save more," you begin asking, "how can I multiply this?" Instead of "what will this cost me," you start asking, "what could this create for me?" Brian explains that money is energy, it flows both ways. When you spend it to buy back time or peace of mind, that's not waste, it's wisdom. Your return isn't just financial, it's emotional, mental, and deeply human. Why buying back your time matters: it's not indulgent, it's stewardship. The moment you start using money to free your schedule, your mind expands. You make room for strategy, creativity, and joy — the real sources of wealth. Brian reveals that money doesn't change who you are, it amplifies you. If you lead with fear, more money only multiplies that fear. But if you lead with purpose, money becomes fuel for everything that truly matters. Brian explains that wealthy people don't do it all themselves. They hire experts, delegate complexity, and buy back focus. They understand that leverage isn't loss of control, it's how they multiply their capability. Why community matters: scarcity breeds more scarcity when you stay around people who think small. Brian urges you to surround yourself with those who think in terms of growth, possibility, and opportunity. Brian closes with a challenge: stop asking, "What will this cost me?" and start asking, "What can this create for me?"  That one question can open the door to your next chapter — a life that's not just about surviving, but thriving in full alignment with who you're becoming.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify     Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual's net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment's trading profits. Incorporating alternative investments into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Asset allocation and diversification strategies do not ensure profit or protect against loss in declining markets. ---- BUILD Banking™ is a DBA of Skrobonja Insurance Services, LLC. Benefits and guarantees are based on the claims paying ability of the insurance company. Not FDIC insured. Results may vary. Any descriptions involving life insurance policies and its use as an alternative form of financing or risk management techniques are provided for illustration purposes only, will not apply in all situations, may not be fully indicative of any present or future investments, and may be changed at the discretion of the insurance carrier, General Partner and/or Manager and are not intended to reflect guarantees on securities performance. The term BUILD Banking™, private banking alternatives or specially designed life insurance contracts (SDLIC) are not meant to insinuate that the issuer is creating a real bank for its clients or communicating that life insurance companies are the same as traditional banking institutions. This material is educational in nature and should not be deemed as a solicitation of any specific product or service. BUILD Banking™ is offered by Skrobonja Insurance Services, LLC only and is not offered by Madison Avenue Securities, LLC. nor Skrobonja Wealth Management, LLC. ---- This content is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC are not permitted to offer and no statement made during this presentation shall constitute tax or legal advice. Our firms are not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC. ---- Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. 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Il Private Equity è una strategia di investimento che resiste anche in contesti di mercato complessi e congiunturali. In questo approfondimento di Ersel Banca Privata, Federica De Giorgis, Team Advisory Ersel, e Paolo Franco, Responsabile Private Markets Ersel, analizzano le dinamiche che rendono i mercati privati un asset fondamentale per la diversificazione e la crescita del patrimonio nel medio-lungo periodo. Resta aggiornato e buon ascolto!#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.

Send us a textThis weeks guest Rachel Okello is a solicitor who gained the accolade of lawyer of the Year 2024 for BirminghamBlack Lawyers Association who has a special interest in human rights and family immigration. Not only did she assist communities impacted by the Windrush scandal but also sat on the government Advisory panel during the Windrush scandal. As well as sharing her expertise on national and international media channels such as the BBC and Irie FM in Jamaica, she also runs an NGO called Friends of Asebu and was a Conservative town councillor for Sutton Coldfield, Birmingham.Connect with Rachelwww.clarityvisas.comwww.asebupav.com Support the showDisclaimer : The views and opinions expressed are those of guests featured and do not necessarily reflect the views or opinions of Reggae Uprising Podcast or its representatives. Reggae Uprising Podcast does not own any of the rights to any of the music or extracts featured. It is used only as a tool of education, upliftment and empowerment for and of people of Africa and its diaspora.Subscribe & Connect : www.danieal.live/podcastOfficial Merch : www.dgarms.com

Those “3x by 40, 6x by 50, 10x by 67” charts feel official—until your life doesn't match the average. In this episode, James shows why age-based savings benchmarks miss the mark and replaces them with a simple, four-step method that fits you.First, get clear on spending in retirement (inflation-adjusted, lifestyle-aware). Then credit guaranteed income, like Social Security, pensions, annuities, part-time work, help to size the real gap. Applying a conservative withdrawal rate to turn that gap into a target portfolio, and back-solve to today with reasonable returns and annual contributions can help you find security. No fluff. Just a plan you can update every year.Real-life cases make it concrete: an early retiree whose “confident” multiple falls short, two teachers whose pensions shrink the target, and a late-career saver who unlocks home equity to close the gap.What you'll learn:Why age-based benchmarks exist—and where they can misleadHow timing (early retirement vs. later) changes the numberThe role of Social Security and pensions in lowering your targetWhen home equity or windfalls can bridge shortfallsThe four-step method: expenses → income → gap → portfolio mathUsing a withdrawal rate (e.g., 4%) to set a clear targetHow to back-solve to today's balance and savings planStress-testing returns, inflation, and timing choicesIf generic multiples leave you anxious or overconfident, this conversation trades guesswork for clarity. Translate goals into numbers, see which levers actually move the needle, and build a plan that funds a life you enjoy.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

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

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

This week on the podcast, our guest is Jason Chee-Aloy, Managing Director at Power Advisory LLC. The firm provides expert consulting services in the electricity sector across Canada and the United States. A new report from CanREA and Dunsky forecasts a rapid build-out of new electricity generation across the country. With this growth forecast in mind, Jason shares his insights on several major new electricity generation projects shaping Canada's power landscape — including the planned hydropower dam expansion along the Churchill River by Quebec and Newfoundland and Labrador. Jason, Jackie, and Peter also discussed the proposed Wind West project in Nova Scotia, where the province estimates its offshore wind potential could exceed 60 GW of capacity, with up to 40 GW of dependable output.  In addition, Jason provides an update on Alberta's ongoing electricity market redesign — the Alberta Restructured Energy Market (REM) — following the release of the Final Design document from the Alberta Electric System Operator (AESO) in August. Content referenced in this podcast:  Canada's Renewable Energy Outlook 2025 by CanREA and Dunsky  Wind West Plan by the Nova Scotia Government  Alberta Electricity System Operator (AESO) Restructure Energy Market Final Design (August 2025) Alberta Electricity System Operator “MPA Independent Assessment of the REM Design” (August 2025)Please review our disclaimer at: https://www.arcenergyinstitute.com/disclaimer/ Check us out on social media: X (Twitter): @arcenergyinstLinkedIn: @ARC Energy Research Institute Subscribe to ARC Energy Ideas PodcastApple PodcastsAmazon MusicSpotify 

Are you a federal retiree still waiting for your first pension check? You're not alone—delays at OPM are leaving thousands in financial limbo. In this video, learn bridge strategies to cover expenses, avoid financial hardship, and what steps you can take now if your federal retirement payment is late.Your pension check might not be processed—so what are you going to do when no pension checks are being processed?

Most headlines shout that you need millions to retire comfortably. The truth? It depends on you. Ari breaks down what “enough” really means, and how to design a plan that fits your lifestyle, health, and peace of mind, not someone else's spreadsheet.In this episode, you'll hear real-life stories that prove one size doesn't fit all. A saver with $3 million who can't enjoy travel because of sciatica. A Chevron retiree with $487K, a paid-off home, and a $2,800 monthly budget living his version of freedom. Same markets, totally different outcomes—and both work.Listen as Ari shares a simple framework to turn your lifestyle into a retirement number: calculate your after-tax monthly spend, annualize it, and match it to a conservative withdrawal rate. You'll see why $35K a month might require $8M, but $3K can work beautifully with smart investing and tax strategy.You'll also learn how to avoid the silent killers of a good plan: sequence risk, poorly timed withdrawals, and outdated estate documents. Plus, how to time Roth conversions, structure income for flexibility, and protect your health and wealth over decades.If you've ever asked, “Should I retire now with less or wait for more?” this episode gives you the clarity to choose confidence over comparison.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Send us a textABA on Tap is proud to share a pour with Kamila Jacob (Part 2 of 2):In this episode, we're joined by Kamila Iacob, BCBA, the co-founder of MentraTrack, to discuss the past, present, and future of ABA supervision. Tired of the administrative burdens and disconnected systems plaguing fieldwork, Kamila channeled her clinical expertise into creating a platform that empowers both supervisors and trainees. We'll explore how MentraTrack moves beyond just tracking hours to focus on the soft skills that truly define a competent BCBA.Episode Breakdown:The Problem with Paperwork: Kamila shares her personal journey from BCBA to tech innovator, detailing the pain points of fieldwork that led her to develop MentraTrack. Learn how she identified the gaps in traditional supervision models and how her platform was built to address them head-on.From Compliance to Competence: Discover why Kamila believes that "checking boxes" is not enough to prepare future BCBAs. We'll dive into the importance of developing clinical judgment, ethical reasoning, and professional communication skills that are critical for success in the field.AI in Action: We'll explore the AI-powered features of MentraTrack, such as the SMART Goal Generator and Assessment Tool, and discuss how technology can make supervision more personalized and effective. Kamila offers a glimpse into how these innovations help supervisors focus on coaching rather than compliance.A Better Way Forward: Kamila outlines her vision for the future of ABA supervision—one that is scalable, connected, and focused on growth. She provides advice for both trainees navigating their fieldwork and supervisors looking to enhance their mentorship.MORE ABOUT KAMILA:Kamila Iacob, M.A., BCBA, LBA, is the co-founder of MentraTrack, a digital platform designed to streamline fieldwork, supervision, and compliance for professionals in applied behavior analysis (ABA). With extensive experience as a Board Certified Behavior Analyst (BCBA) and former Clinical Director, Kamila is committed to improving the quality of supervision in the ABA field.Motivated by her own experiences and observations of the challenges faced by both supervisees and supervisors—including disorganized tracking, compliance anxiety, and time-consuming paperwork—Kamila was inspired to build a more efficient and supportive solution. MentraTrack evolved from this need, providing features that go beyond simple hour logging to enhance the entire supervision process. This includes real-time compliance checks, AI-powered goal generation, and competency tracking.Kamila is a passioSupport the show

In this episode of Retirement Reality, meet Donovan, a 55-year-old retiree who turned an unexpected career exit into an opportunity for freedom, reflection, and new purpose. Donovan shares how one defining word, choice, shaped his journey before, during, and after retirement.From years of disciplined saving and intentional living to facing an unplanned exit from corporate life, Donovan opens up about how preparation, mindset, and adaptability transformed what could have been a setback into a second act filled with meaning. He and James discuss the emotional and psychological sides of retirement: identity shifts, finding purpose, redefining relationships, and learning to spend after decades of saving.This conversation dives into the real retirement journey: the freedom it brings, the fears it stirs, and the wisdom that comes from embracing both. Whether you're approaching retirement or simply rethinking your next chapter, Donovan's story will challenge you to see this season as an opportunity — not an ending.Key Themes:The power of choice in financial and life planningTransitioning from career identity to personal purposeManaging the emotional and psychological side of retirementFinding meaning, health, and community in life after workOvercoming the fear of spending after years of saving-Donovan is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

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

"The number one driver of small to medium sized businesses not making it is cash flow problems. It's not that they're not profitable. This is the big thing with net cash that most people don't realize, is that you can run a profitable business and run out of money." -Tommy Vincent In this spotlight episode, Tommy Vincent, Co-Founder and Chief Revenue Officer at Hub Analytics, returns to share how bookkeepers can confidently step into advisory by focusing on just 3 key metrics. He explains how to measure, track, and present them to clients in a way that builds trust and drives business growth. In this interview, you'll learn: The 3 metrics every bookkeeper should track Why consistency matters more than dozens of KPIs How net equity shows a business owner's true wealth To learn more about Hub Analytics, click here. Connect with Tommy on LinkedIn. Time Stamp 00:00 – Introducing 3 Key Metrics 02:16 – Why bookkeepers are well-positioned to deliver advisory services 03:59 – Why less is more with KPIs for small business clients 04:54 – The three core metrics 06:33 – Breaking down net operating income & what it reveals 07:50 – Industry nuances & why measuring consistently matters 09:30 – Using consistent monthly tracking to spot improvement 12:20 – Net equity explained 14:27 – Why 78% of a business owner's net worth is tied to their business 16:04 – Loans, distributions & reinvestment 20:54 – Why profitable businesses still fail without cash 23:10 – Healthcare & construction industries & cashflow gaps 25:59 – Watching DSO & DPO to avoid cash crunches 27:21 – How bookkeepers can differentiate by tracking just 3 KPIs 28:29 – How to package advisory 30:55 – Why most existing clients won't pay more 33:18 – Advisory is best suited for businesses over $1M revenue 34:56 – How Hub Analytics supports bookkeepers with AI-driven reporting

Google Q3 2025 Post-Mortem: AI Execution Over AI HypePost MortemIn this episode of Around the Desk, Sean Emory, Founder & CIO of Avory & Co., breaks down why investors are rewarding Google's spending while punishing others, and how its strategy from TPUs to Gemini shows real ROI in the new compute era.We cover:• Revenue acceleration across Search, YouTube, and Cloud (+15% to +34%)• Gemini's rapid growth to 650M users, 300M paid• Why CAPEX to $93B is seen as productive, not reckless• Anthropic's commitment to TPUs and the growing Cloud backlog (+46%)• How AI integration is lifting engagement and monetization• Why Google's AI flywheel looks more efficient than peersDisclaimer Avory is an investor in AlphabetAvory & Co. is a Registered Investment Adviser. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Avory & Co. and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Avory & Co. unless a client service agreement is in place.Listeners and viewers are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.“Likes” are not intended to be endorsements of our firm, our advisors or our services. Please be aware that while we monitor comments and “likes” left on this page, we do not endorse or necessarily share the same opinions expressed by site users. While we appreciate your comments and feedback, please be aware that any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please honor our request to limit your posts to industry-related educational information and comments. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.Please reach out to Houston Hess our head of Compliance and Operations for any further details. 

In this episode, President and Senior Financial Planner Paul L. Moffat and co-host Director of Financial Planning Jordan Naffa discuss the major updates to Social Security and Medicare introduced under the One Big Beautiful Bill. These changes impact retirement planning, healthcare costs, and benefit timing for millions of Americans approaching or already in retirement.Paul and Jordan break down how the gradual increase in full retirement age, enhanced delayed retirement credits, and Medicare coverage expansions create both challenges and new planning opportunities. They also explain how these adjustments fit into a broader retirement income strategy that includes tax efficiency and healthcare coordination.In this episode: ● Gradual rise in full retirement age to 68 for those born after 1970 ● Increased delayed retirement credits for those waiting until age 70 ● Higher earnings limits before Social Security benefit reductions apply ● Cost-of-living adjustments now tied to a more accurate “Senior CPI” ● Medicare premium caps and new coverage for dental, vision, and hearing care ● Prescription drug cost cap and long-term care pilot program ● Strategies for optimizing benefit timing, coverage choices, and tax-efficient incomeIf you have any questions, call the Arista Wealth Management office located in Las Vegas, NV at 702-309-9970Connect with Arista Wealth:Website: https://www.aristawealth.comEmail: support@aristawealth.comCall our office: 702-309-9970The opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital: please seek advice from a licensed professional.Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre your company's retained earnings sitting idle — or worse, being eaten away by unnecessary taxes?For many business owners, retained earnings feel like a double-edged sword: a sign of success but also a source of frustration when the tax bill arrives. This live panel, hosted by Canadian Wealth Secrets, PE Gate, and Gauvreau Tax & Law Advisory dives deep into what's keeping entrepreneurs up at night — from overpaying taxes and inefficient structures to missed investment opportunities. Featuring experts in accounting, private equity, and wealth strategy, the discussion breaks down how to move beyond simple compliance toward smarter, tax-efficient growth.You'll discover:How to structure your corporation (and when to use a holding company or family trust) to legally minimize taxes.Proven strategies to invest retained earnings through connected corporations and earn dividends tax-free.Ways to turn trapped corporate cash into long-term wealth — including private equity, insurance leverage, and estate optimization.Unlock the full potential of your retained earnings — press play now to learn how top advisors are helping Canadian business owners build smarter, tax-efficient wealth.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Building long-term wealth in Canada starts with understanding how to make your retained earnings work smarter through strategic corporate investing and tax-efficient planning. A strong Canadian wealth plan combines effective business structures—like holding companies and family trusts—with thoughtful investment strategies in private equity, real estate investing, and RRSP optimization. By focusing on tax efficiency, capital gains exemption, anReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Fast Casual Nation hosts Paul Barron and Cherryh Cansler interview Billal Jaber, founder of SMASHED, a chef-driven burger concept navigating the challenges of startup life in the crowded fast casual burger space. Jaber shares his journey from trademark troubles to strategic market selection, explaining why he's targeting tier-two cities, building a prototype in a micro-market, and prioritizing intentional growth over rapid expansion. Learn about his philosophy of radical simplicity, the art of the perfect smash burger, cross-training strategies, and why he's betting on quality and "cravability" to compete against burger giants like Shake Shack and Five Guys.#FastCasualNation #SmashBurgers #RestaurantStartupGet Your Podcast Now! Are you a hospitality or restaurant industry leader looking to amplify your voice and establish yourself as a thought leader? Look no further than SavorFM, the premier podcast platform designed exclusively for hospitality visionaries like you. Take the next step in your industry leadership journey – visit https://www.savor.fm/Capital & Advisory: Are you a fast-casual restaurant startup or a technology innovator in the food service industry? Don't miss out on the opportunity to tap into decades of expertise. Reach out to Savor Capital & Advisory now to explore how their seasoned professionals can propel your business forward. Discover if you're eligible to leverage our unparalleled knowledge in food service branding and technology and take your venture to new heights.Don't wait – amplify your voice or supercharge your startup's growth today with Savor's ecosystem of industry-leading platforms and advisory services. Visit https://www.savor.fm/capital-advisory

In this episode of Building the Premier Accounting Firm, Roger Knecht and Dr. Howard Polansky discuss transforming financial perspectives from traditional debt management to a dynamic cash flow optimization. This episode explores Dr. Polansky's journey from dentistry to becoming a "cash flow optimizer" and how strategic use of lines of credit can dramatically reduce debt payments and increase financial flexibility for both personal and business finances. Learn how to better manage mortgages, business loans, and other debts by understanding the "new rules of finance" and achieve financial freedom sooner. Key Takeaways: Understand the critical difference between profit and cash flow, recognizing that cash flow is essential for day-to-day operations and financial stability. Learn how to strategically use lines of credit as a primary checking account to accelerate debt payments on mortgages, car loans, and business loans, rather than relying on traditional amortized payment structures. Gain insight into transforming your financial mindset from rigid debt obligations to achieving financial flexibility and resilience, enabling better navigation through unexpected life events. Access strategies to consolidate various debts into a single, manageable line of credit, allowing for a focused approach to debt reduction and greater financial control. Discover the emotional impact of financial freedom, emphasizing how reduced debt stress can lead to improved well-being and the ability to pursue life experiences and business growth. Chapter Summary: 00:00 Introduction to Dr. Howard Polansky 01:59 A Life-Changing Event and Career Shift 06:14 The Genesis of Financial Coaching 08:58 Financial Flexibility and Resilience 11:09 Cash Flow vs. Profit 14:11 Leveraging Lines of Credit 19:23 Motivation and Business Impact 23:27 Debt Consolidation and Empowerment 26:50 Money as Currency: Removing Friction 30:19 Resilience in Unexpected Challenges 34:22 Available Lines of Credit & Conclusion 39:52 Universal Accounting Resources Featured Quotes: "If life is this fragile and I'm unhappy with the path that I'm on, burn the ships. It's over." — Howard Polansky "I don't care about profit. I care about cash flow." — Howard Polansky "I'm trying to remove the friction from people's lives." — Howard Polansky Behind the Story: Howard Polansky recounts the harrowing experience of his son's severe appendicitis, leading to multiple surgeries and a profound question from his 12-year-old: "Am I dying?" This intense period made him re-evaluate his life and career, leading him to sell his dental practice. After a year of introspection, he stumbled upon a method to optimize cash flow, transforming his own finances. This new understanding became his calling, demonstrating that financial freedom provides not just wealth, but resilience and the peace of mind to navigate life's inevitable challenges. 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: Take The Cash Flow Quiz - https://leakingcash.scoreapp.com/ Get a FREE copy of these books all accounting professionals should use to work on their business and become profitable. These are a must-have addition to every accountant's library to provide quality CFO & Advisory services as a Profit & Growth Expert today: "Red to BLACK in 30 days – A small business accountant's guide to QUICK turnarounds" – This is a how-to guide on how to turn around a struggling business into a more sustainable model. Each chapter focuses on a crucial aspect of the turnaround process - from cash flow management to strategies for improving revenue. This book will teach you everything you need to become a turnaround expert for small businesses. "in the BLACK, nine principles to make your business profitable" – Nine Principles to Make Your Business Profitable – Discover what you need to know to run the premier accounting firm and get paid what you are worth in this book, by the same author as Red to Black – CPA Allen B. Bostrom. Bostrom teaches the three major functions of business (marketing, production and accounting) as well as strategies for maximizing profitability for your clients by creating actionable plans to implement the nine principles. "Your Strategic Accountant" - Understand the 3 Core Accounting Services (CAS - Client Accounting Services) you should offer as you run your business. Help your clients understand which numbers they need to know to make more informed business decisions. "Your Profit & Growth Expert" - Your business is an asset. You should know its value and understand how to maximize it. Beginning with the end in mind helps you work ON your business to build a company you can leave so that it can continue to exist in your absence or build wealth as you retire and enjoy the time, freedom, and life you want and deserve. Follow the Turnkey Business plan for accounting professionals. This is the proven process to start and build the premier accounting firm in your area. After more than 40 years we've identified the best practices of successful accountants and this is a presentation we are happy to share. Also learn the best practices to automate and nurture your lead generation process allowing you to get the bookkeeping, accounting and tax clients you deserve. GO HERE to see this presentation and learn what you can do today to identify and engage with your ideal clients. Check it out and see what you can do to be in business for yourself but not by yourself with Universal Accounting Center. It's here you can become a: Professional Bookkeeper, PB Professional Tax Preparer, PTP Profit & Growth Expert, PGE Next, join a group of like-minded professionals within the accounting community. Register to attend GrowCon and Stay up-to-date on current topics and trends and see what you can do to also give back, participating in relevant conversations as they relate to offering quality accounting services and building your bookkeeping, accounting & tax business. The Accounting & Bookkeeping Tips Facebook Group The Universal Accounting Fanpage Topical Newsletters: Universal Accounting Success The Universal Newsletter Lastly, get your Business Score to see what you can do to work ON your business and have the Premier Accounting Firm. Join over 70,000 business owners and get your score on the 8 Factors That Drive Your Company's Value. For Additional FREE Resources for accounting professionals check out this collection HERE! Be sure to join us for GrowCon, the LIVE event for accounting professionals to work ON their business. This is a conference you don't want to miss. Remember this, Accounting Success IS Universal. Listen to our next episode and be sure to subscribe. Also, let us know what you think of the podcast and please share any suggestions you may have. We look forward to your input: Podcast Feedback For more information on how you can apply these principles to start and build your accounting, bookkeeping & tax business please visit us at www.universalaccountingschool.com or call us at 8012653777

In this episode of People Solve Problems, host Jamie Flinchbaugh speaks with Maureen (Moe) Rinkunas, Director of Insights Membership at Rock Health Advisory. Moe brings over 20 years of experience spanning corporate innovation, venture studios, and advisory leadership at organizations including DuPont, Accenture, Dreamit Ventures, and Redesign Health. Moe opens the conversation by sharing her fundamental belief that everyone possesses problem-solving capabilities, shaped by evolution itself. However, she emphasizes that people bring different strengths to the table. When working with teams, she takes time to understand individual styles and leverages them strategically throughout the innovation process. Moe explains how naturally optimistic team members excel at generating ideas and maintaining energy during brainstorming sessions, while more skeptical individuals prove invaluable when narrowing options and making final decisions. By understanding these diverse strengths, she creates environments where different personalities contribute at the right moments. The conversation shifts to collaboration and the messy nature of innovation work. Moe stresses that psychological safety forms the foundation of effective problem-solving. She explains that trust must be built over time, creating a reserve that teams can draw upon when facing uncomfortable challenges. She shares a powerful example from her time at DuPont, where leaders instituted a "Dead Project Day" on the Day of the Dead, encouraging people at all levels to share their failures. Initially met with skepticism, this practice became an annual tradition that normalized risk-taking and built lasting trust within the organization. When discussing innovation leadership, Moe introduces the concept of leaders as snowplows. She describes how innovation leaders must clear paths for their teams by navigating organizational politics, communicating effectively with senior leadership, and helping others understand that innovative projects require different metrics and timelines than traditional initiatives. This protective role helps create safe spaces where teams can do their best work, even when external pressures threaten psychological safety. Moe advocates strongly for test-and-learn approaches in innovation work. She emphasizes developing minimal viable solutions paired with "what must be true" statements that guide testing priorities. Her teams create learning plans with clear testing commitments, specific metrics, and defined timeframes. Moe suggests framing decisions around manageable increments, asking what information teams need to decide whether to continue, pivot, or stop after six weeks rather than demanding absolute certainty. This approach makes testing feel achievable and keeps teams moving forward with practical confidence. Looking at healthcare innovation specifically, Moe identifies significant opportunities in an industry facing mounting pressures around staffing shortages and affordability challenges. She notes that while many innovators develop point solutions addressing specific problems, the real opportunity lies in creating connections between these innovations. She encourages entrepreneurs to think about integrated, holistic healthcare experiences that reflect how people actually live with and experience their health. Throughout the conversation, Moe demonstrates how thoughtful attention to team dynamics, psychological safety, and structured learning processes enables innovation work to flourish. Her insights offer practical guidance for anyone leading creative problem-solving efforts in complex organizational environments. To learn more about Moe's work, visit Rock Health Advisory at https://rockhealth.com/advisory/ or connect with her on LinkedIn at https://www.linkedin.com/in/mwrinkunas/.

Send us a textInterviews are key for risk assessment. In this episode, Captain Integrity Bob Wade dives into the value of compliance advisory support with Sheila Limmroth, Executive Consultant and Compliance Officer at Pinnacle Healthcare. Hear why advisory does not equal incompetence, how to grow from within, how to build a stronger compliance program, why no person or compliance program is perfect, and how nobody knows everything. Learn more at CaptainIntegrity.com

Ami Shah has one mission: to change the way families experience financial advice.In this episode of The Advisor Journey, Ami Shah, co-founder and CEO of Steward, shares how her path from McKinsey and Facebook led her to build a firm designed for first-generation wealth builders. She opens up about the personal story that sparked her calling, the operational systems that fueled Steward's $60M growth, and how her “CORE” framework (Confident, Organized, Relieved, Engaged) helps families feel in control of their money and their future.From developing a 60-point custodian evaluation matrix to using automation to enhance trust and empathy, Ami proves that modern advice can be both deeply human and highly efficient.Advisors will walk away with tactical insights on building scalable systems, fostering emotional connection, and serving clients who've worked hard to earn what they have—often for the first time.ABOUT ALTRUIST: We're on a mission to make independent financial advice better, more affordable, and accessible to everyone. As a modern custodian, Altruist helps high-growth, client-centric, and tech-forward RIAs deliver great advice to more clients at lower costs. Want to find out how Altruist can help you grow? Talk to our team by visiting www.altruist.com/talk-to-us STAY CONNECTED: Instagram ► https://www.instagram.com/altruistcorp/ Twitter ► https://x.com/altruist Linkedin ► https://www.linkedin.com/company/altruistcorp/ ABOUT THE ADVISOR JOURNEY: Real-life strategies for the modern financial advisor who's ready to scale. Join Altruist leaders and guests as they share proven tactics, unfiltered advice, and hard-won lessons you can apply to your own practice. These conversations will propel your career to the next level—don't miss it. Disclaimer: Altruist Corp ("Altruist") offers technology and tools designed to help financial advisors achieve better outcomes. Advisory and certain other services are provided by Altruist LLC, an SEC-registered investment adviser, and brokerage related products and services are provided by Altruist Financial LLC, a member of FINRA/SI...

Aubrey Masango speaks to Dr Frank Magwegwe, Head of Financial Wellness and Advisory at Nedbank and GIBS faculty member and Dr Zamo Mbele, Clinical Psychologist about how to thrive through life's toughest challenges. They reflect on the psychological make-up one should have in order to not only survive but thrive. Tags: 702, The Aubrey Masango Show, Aubrey Masango, Financial Matters, Financial Wellness, Thriving, Surviving, Resilience, Awareness, Action, Adaptation Aubrey Masango speaks to Stanley Beckett, Author and Consultant at ChangeCreatorSA on the importance of realizing who and what one needs to be in order to reach one's goals. They also reflect on happiness and ways to protect one's source of it. Tags: 702, The Aubrey Masango Show, Aubrey Masango, Change Your Mindset, Goals, Dreams, Happiness, Resilience, Focus, Law of becoming, Law of having, Adaptibility The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

In this episode, Brian Skrobonja explains what alternative investments are and why they are the fastest route to growing your assets or retirement savings. He sheds light on how the most successful investors in the world keep getting wealthier and how to use an endowment like strategy to position your retirement assets. Brian explores alternative investments opportunities.  He goes over what larger investors are doing to diversify away from the public market in an effort to help clients protect downside risks. The shift in investment philosophy amongst the largest investors is something to pay attention to as it could offer valuable insights on how to position your retirement assets. Brian explains why it's prudent for investors to adopt an endowment like model. The wealthiest and most successful investors in the world keep getting wealthier, not because they are lucky or privileged, but because they are playing a different game than the average investor. According to Brian, with medical advancements extending life beyond what we have seen in the past, we are entering a longevity dilemma as people may find themselves living longer than their assets. For Brian, the traditional retirement age tied to social security eligibility has longevity implications that are being overlooked. The 4% rule suggests you can safely withdraw 4% of your retirement savings annually with the assumption that the balance in your account will sustain you for 30 years. Brian shares why he believes the 4% rule is not sustainable in the modern age.  There's risk with any type of investment and alternatives are no exception. Brian talks about portfolio diversification and why we need to expand the definition of diversification. Brian talks about alternative investments and why you should consider having a portion of your savings in private equity, private debt, real estate trusts, and even oil and gas. For Brian, the stock market may be a core component of a portfolio, but it cannot be the only holding.  Should investors get out of public markets entirely?  According to Brian, investors should not get out of the market entirely, but should acknowledge that there are many investment opportunities that are far better than the stock market.   We are seeing the world change before our eyes. The way we invest today needs to be forward looking to consider the changes that are underway.   Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify   References for this episode: kiplinger.com/article/investing/t047-c032-s014-to-succeed-at-investing-do-what-yale-does.html brianskrobonja.com/podcasts/posts/ep-52-strategically-separating-your-assets-with-the-five-minute-retirement-plan/ prudential.com/financial-education/4-percent-rule-retirement#:~:text=The%204%25%20rule%20comes%20with,close%20to%20covering%20your%20needs. wsj.com/finance/investing/pension-funds-stocks-bonds-679b8536 imf.org/external/pubs/ft/wp/2000/wp0018.pdf weforum.org/agenda/2022/04/longer-healthier-lives-everyone/ nmhc.org/industry-topics/affordable-housing/apartment-supply-shortage/ sealynet.com/news/sealy-company-small-industrial-spaces/ nationalaffairs.com/publications/detail/inflation-and-debt nasdaq.com/articles/revisiting-the-classic-60-40-portfolio-as-challenges-loom     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. The views and opinions expressed here are those of the authors and do not necessarily reflect the official policy or position of Madison Avenue Securities, LLC This material contains forward looking statements. Forward looking statements are not guarantees of future performance and involve certain risks and uncertainties, which are difficult to predict.  Actual future results and trends may differ materially from what is forecast. Investing involves risk including the potential loss of principal. Consider your risk tolerance and specific situation before investing. Investments in securities are subject to investment risk, including possible loss of principal. Prices of securities may fluctuate from time to time and may even become valueless. Carefully read all of the relevant investment product's offering documents and information before investing. Seriously consider investment suitability by referencing your financial position, investment objectives, and risks profile before making any investment decision. Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual's net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment's trading profits. Incorporating alternative investments into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Asset allocation and diversification strategies do not ensure profit or protect against loss in declining markets. Endowment funds are managed for institutions not individuals. An endowment-like strategy is not an endowment or an endowment fund.

Early retirement income can feel complicated, but a steady paycheck from savings starts with a simple framework. This episode reframes withdrawal decisions, explains why a fixed 4 percent rule can be too conservative in some cases, and shows when a 5 percent starting point may fit with the right allocation and ongoing adjustments. A million dollar case study turns rates into an annual paycheck while addressing sequence risk and flexible spending guardrails.Taxes do the heavy lifting. Retirement income is taxed differently than wages, with no FICA on non wage income, only up to 85 percent of Social Security taxable, and long term capital gains often taxed at 0 or 15 percent. Blending IRA withdrawals, brokerage draws, and Social Security can produce the same 100,000 dollars of cash flow with a lower tax bill than a 100,000 dollar salary. The discussion covers thresholds, brackets, the higher standard deduction after age 65, and tactics to keep more of the portfolio working.The episode finishes by assembling the paycheck. IRA, brokerage, Roth, Social Security, and pension income are coordinated so deposits match spending rhythms, with room for the retirement spending smile, one time costs, healthcare, and annual tune ups as markets and laws evolve.-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!

In this episode of 'Widow Wisdom and Wealth™,' host Donna Jean Kendrick welcomes career coach Shelly Malley, recently recognized as one of the top coaches in Philadelphia by Influence Digest in 2023. Shelly shares her extensive experience in HR and career coaching, offering insights into job search strategies, personal branding, and navigating career transitions, particularly for those dealing with loss and balancing family life. Shelly discusses her personal journey, including career pivots, the challenges of motherhood, and the impact of losing her mother at a young age. She also provides practical advice for those considering a career change and highlights the importance of knowing oneself and marketing transferable skills.   00:00 Introduction to Widow Wisdom and Wealth 01:43 Meet Shelly Malley: Career Coach Extraordinaire 02:52 Shelly's Career Journey: From HR to Career Coaching 07:52 Balancing Career and Family: Shelly's Personal Story 10:02 Shelly's Childhood and Family Dynamics 19:39 Career Transitions and Coaching Insights 24:39 Top Tips for Career Change 25:45 Connecting with Shelly Malley     Thanks to our guest Shelley Maley Connect with Shelley linkedin.com/in/shelleymaleycareercoach https://www.dreamcatchercareercoaching.com https://www.facebook.com/dreamcatchercareercoachingllc https://www.instagram.com/dreamcatchercareer   _______________________________ CONNECT  WITH DONNA

Feeling like “flat” retirement spending plans don't match real life? You're not imagining it. Spending typically follows a retirement smile: higher in the early “go-go” years, lower in the “slow-go” years, then rising again later with healthcare needs. In this episode, Ari Taublieb, CFP®, shows how acknowledging that curve can unlock more life early on—without losing long-term security.Using illustrative scenarios (not recommendations), see how a $2,000,000 portfolio might support higher spending in active years (e.g., ~$110k), step down mid-retirement (e.g., ~$85k), and adjust later (e.g., ~$95k–$105k). A $1,000,000 portfolio might follow a similar pattern (e.g., ~$50k → ~$35k → ~$45k–$50k). The point isn't precision, it's aligning your plan with how people actually live.You'll learn how to frame spending guardrails, set review checkpoints, and coordinate income sources so your plan adapts as health, markets, and goals change. Ready to stress-test your numbers against reality and retire with more confidence?- 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 Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss some potential complications of declining property values.  Don't panic!  This may not even apply to you, but it's good information to understand.  If your home is worth less than you expect:  If you purchased in the last couple of years and want to refinance, you may not be able to do so.  Many banks require a certain percentage of equity to refinance your loan.  Try to get the details of refinancing before you buy!  You won't be able to borrow against the value of your home unless you have enough equity.  If you need to sell, you may end up actually paying money to get out of the house.  For example, if you purchased a home for $900,000 and paid 10% down but your home is now worth $800,000, the proceeds from the sale may not be enough to pay off your mortgage and pay the closing costs on the loan.  If you're staying put, it may not be a big deal at all!   Generally, the longer you plan to stay in a home, the less likely you will be hit with some of these problems.  You probably will have much more equity in a home you've lived in for ten years than one you lived in for three years.  For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes.    Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

Welcome to Impact Quantum, where curiosity meets real-world quantum insight! In this episode, we sit down with Dr. Bob Sutor—yes, the Bob Sutor—author of "Dancing with Qubits" and CEO of the Sutor Group Intelligence and Advisory. With decades of experience in computing, Bob brings a rare blend of wisdom, clarity, and wit to the conversation.Join us as we dive deep into the rapidly evolving quantum industry. We uncover why there are 85 quantum hardware companies (and why that number is likely to shrink), debate the eternal hype cycle versus real breakthroughs, and explore why quantum computing careers might just be tailor-made for today's teenagers. Along the way, you'll learn about the shifting balance between classical and quantum coding, get candid advice on navigating technical press releases, and hear how the software revolution could soon outpace hardware innovations in quantum—just like it did in the early days of the PC industry.Whether you're a seasoned quantum pro or new to the field, this episode will leave you smarter, more skeptical, and certainly more quantum curious. Grab your headphones and get ready for an engaging, down-to-earth exploration of quantum tech's future!LinksDancing with Qubits - https://www.amazon.com/dp/1837636753?tag=datadrivenm0e-20Time Stamps00:00 "Impact Quantum: Exploring Qubits"05:03 "Learning Qubits Without Physics"09:40 "AP Physics, AI, and Choices"13:14 Quantum Hardware and Academic Persistence15:02 Quantum Computing Market Shakeout20:07 "James Webb Telescope Collaboration"21:20 Quantum Integration Challenges25:55 "Identifying Buzzword Headlines"29:55 "Early Stage Investing Insights"32:15 "Transitioning to Quantum Leadership"37:34 "Reproducibility in Research Results"38:41 Quantum Computing: NISQ to Fault Tolerance44:40 "Moore's Law and Tech Evolution"46:56 "Dancing with Cubits Journey"51:16 "Young Minds Embrace Quantum Computing"52:26 "Nostalgia and Evolving Media Trends"56:31 Quantum Industry News Aggregator58:46 "Quantum Insights with Dr. Souter"

Matthew Wessels, partner at Wessels Realty and Tax Advisors, takes center stage as he shares his compelling journey from the hills of New Hampshire to carving a unique niche in the real estate and tax advisory world. Matthew's story is a testament to the power of combining passions, as he skillfully marries his accounting background with a fervor for real estate development. Our conversation uncovers how he transitioned from the corporate treadmill to co-purchasing his first property, igniting a career that now stands at the intersection of real estate analysis, general contracting, and specialized tax advisory services. Matthew's insights into the Massachusetts rental market showcase both the challenges and opportunities that come with navigating market shifts, political influences, and evolving investment strategies. In a deeper exploration, we reflect on the balance between professional success and personal fulfillment. Matthew opens up about how fatherhood reshaped his priorities, leading to a transformation in his work-life balance through automation and delegation. His reflections on legacy, infused with values of authenticity, courage, and generosity, offer listeners a roadmap to crafting a meaningful life beyond societal expectations. This episode is a treasure trove of wisdom for those eager to learn from a visionary who has successfully integrated personal growth with professional achievement, all while maintaining the courage to follow his distinctive path. Timestamps 00:00:00 - Introduction and Welcome to Business Legacy Podcast   00:00:11 - Meet Matthew Wessels: Real Estate and Tax Advisory Innovator   00:00:37 - Matthew's New Hampshire Roots and Education at Bentley University   00:01:20 - Transition from Corporate Accounting to Real Estate Investment   00:02:45 - Building Wessels Realty and Tax Advisors: A Multifaceted Approach   00:04:10 - The Unique Blend of CPA Expertise and Real Estate Development   00:05:25 - The Complexity and Opportunities in Real Estate and Tax Advisory   00:06:30 - Market Fluctuations and Resilience in Massachusetts Rental Properties   00:07:55 - Political and Economic Influences on the Housing Market   00:09:10 - Trends in Homeownership and Investment Property Challenges   00:10:30 - Matthew's Role in Educating and Mentoring Aspiring Investors   00:11:09 - Real Estate Market Insights and Strategies   00:12:05 - Overcoming the Fear of Property Investment   00:13:30 - The Impact of Market Shifts on Cash Flow and Property Value   00:14:40 - Balancing Professional Growth and Personal Life   00:15:50 - Matthew's Reflections on Fatherhood and Work-Life Balance   00:17:10 - Legacy, Values, and the Courage to Follow a Unique Path   00:18:05 - Navigating Work-Life Balance and Legacy   00:19:00 - Emphasizing Happiness, Generosity, and Authenticity   00:20:30 - Matthew's Advice: Embrace Being Different and Follow Your Own Path   00:21:45 - Closing Thoughts and Where to Learn More About Matthew Wessels   00:22:45 - Conclusion and Final Thoughts from Paul Dio   00:23:30 - Closing Remarks and Invitation to Leave a Review   Episode Resources: Connect with Matthew here and find more out about what they do: https://www.wesselsrealtyandtaxadvisors.com/ Legacy Podcast: For more information about the Legacy Podcast and its co-hosts, visit businesslegacypodcast.com. Leave a Review: If you enjoyed the episode, leave a review and rating on your preferred podcast platform. For more information: Visit businesslegacypodcast.com to access the shownotes and additional resources on the episode.

Retiring early isn't just about having enough money, it's about using the right tax moves in the right years. This conversation between James and Ari maps the three biggest levers for early retirees: Roth conversions, ACA health insurance subsidies, and 0% long-term capital gains. A real-world case study shows how account mix and spending levels can flip what's “best,” and how small income shifts can change the math in a big way.The episode breaks down when Roth conversions pay off versus when they backfire, how keeping modified AGI under ACA thresholds can save five figures, and how harvesting capital gains at the 0% federal rate can reset cost basis and rebalance efficiently. It frames the tax window between the final work years and required minimum distributions, modeling income year by year to prioritize lifetime impact, not short-term refunds.The focus is clarity and control—ranking strategies by pre-tax versus brokerage mix, showing how different spending assumptions can reverse the outcome, and outlining a practical process for tax-gain harvesting and rebalancing. James and Ari guide you to use tax strategy as a tool to buy more freedom, not more complexity.-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!

What if the next 10 years bring just 3% returns from the S&P 500?In this episode, we turn that forecast into a real-world retirement plan—not panic. You'll learn how to stress test your portfolio, build flexibility into your spending, and design a withdrawal strategy that can survive tough markets.Listen as Ari and James break down:Sequence-of-returns risk — why bad early years hurt more than bad averages.The modern 4% rule — how to use it as a guardrail, not a guarantee.Diversification that actually works — adding small caps, value, international, and bonds to reduce risk from overexposed tech-heavy portfolios.Tax-smart moves — Roth conversions, cash buffers, and dynamic withdrawal rules that adapt to changing markets.Whether you're planning to retire early or just want peace of mind through an uncertain decade, this guide gives you a clear, flexible framework—so your lifestyle isn't dictated by Wall Street's forecasts.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

What if the next 10 years bring just 3% returns from the S&P 500?In this episode, we turn that forecast into a real-world retirement plan—not panic. You'll learn how to stress test your portfolio, build flexibility into your spending, and design a withdrawal strategy that can survive tough markets.Listen as James and Ari break down:Sequence-of-returns risk — why bad early years hurt more than bad averages.The modern 4% rule — how to use it as a guardrail, not a guarantee.Diversification that actually works — adding small caps, value, international, and bonds to reduce risk from overexposed tech-heavy portfolios.Tax-smart moves — Roth conversions, cash buffers, and dynamic withdrawal rules that adapt to changing markets.Whether you're planning to retire early or just want peace of mind through an uncertain decade, this guide gives you a clear, flexible framework—so your lifestyle isn't dictated by Wall Street's forecasts.-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!

Think your retirement's safer with a little gold, a favorite stock, and a home full of equity? Time for a reality check. In this episode, we put three “sacred” retirement assets to the test and show how they can quietly derail the one outcome that really matters: a steady paycheck for life.You'll learn how to define your retirement portfolio's real job, growth that beats inflation and protection that funds your lifestyle through market swings. We unpack gold's myth versus math, why concentrated stock bets widen your risk, and how home equity fits more as lifestyle than income.Then we share a clear framework for sustainable withdrawals:growth sleeves that fight inflationreserve sleeves that fund stabilityrebalancing rules and guardrails that keep you on trackBecause a great retirement isn't built on shiny objects or hometown pride, it's built on reliable income you can live on, year after year.-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!

Feeling like healthcare makes early retirement impossible? It's a common belief, but often fixable with thoughtful income planning. Premium tax credits under the ACA aren't vanishing; the enhanced credits are scheduled to sunset after 2025, and the pre-2021 rules (including the ~400% FPL income cap) are slated to return in 2026 unless Congress acts. The takeaway: managing MAGI matters.In this episode, Ari Taublieb, CFP®, walks through a practical, illustrative case: a 60-year-old couple with ~$1.55M spread across taxable, pre-tax, and Roth accounts. You'll see how the source of withdrawals (e.g., harvesting from taxable accounts vs. large pre-tax distributions) can change MAGI—and therefore subsidy eligibility—potentially lowering Marketplace premiums materially. You'll also learn key HSA rules after age 65 (non-medical withdrawals are taxed as income but no 20% penalty) and what's changing for HSAs in 2026: Bronze and Catastrophic ACA plans are slated to be HSA-eligible, expanding access to tax-advantaged saving.You'll leave with a playbook: align cash-flow needs with tax brackets, plan around the 400% FPL threshold, coordinate Roth/pre-tax/taxable withdrawals, and revisit the plan annually as laws and income shift. Ready to pressure-test your numbers and retire with more confidence? Subscribe to the Early Retirement Podcast.-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.