Podcasts about advisory services

Navigating the tax maze just got a little more interesting with the passage of the One Big Beautiful Bill Act. Despite headlines suggesting "tax-free Social Security," the reality offers different but substantial benefits for various groups of Americans.Seniors aged 65 and older can now claim an additional $6,000 deduction ($12,000 for married couples) regardless of whether they itemize or take the standard deduction. This benefit applies even if you haven't started taking Social Security yet, though it phases out for higher-income households. Meanwhile, service industry workers rejoice – tip income can now be excluded from taxable income below certain thresholds, potentially saving servers and other tipped professionals thousands in taxes annually. The SALT deduction cap jumps from $10,000 to $40,000 for most taxpayers, though the marriage penalty remains firmly in place with couples limited to the same $40,000 cap as singles.Car buyers will appreciate the new deduction for up to $10,000 in auto loan interest, while charitable givers face a mixed bag of changes – non-itemizers can deduct $1,000-$2,000 in donations starting next year, but itemizers lose deductibility on their first 0.5% of income donated. Each provision comes with different income limitations based on adjusted gross income, creating planning opportunities for those near these thresholds. Consider strategies like increased retirement contributions or qualified charitable distributions to optimize your position under these new rules.Most Americans will see lower tax bills in the coming three years, but remember – in taxation, "permanent" rarely means forever. As administrations and priorities shift, so too will the tax landscape. Listen now to understand how these changes affect your financial picture and what proactive steps might save you money before filing season arrives.Breaking Down The “One Big Beautiful Bill Act”: Impact Of New Laws On Tax Planning Summaryhttps://www.kitces.com/blog/obbba-one-big-beautiful-bill-act-tax-planning-salt-cap-senior-deduction-qbi-deduction-tax-cut-and-jobs-act-tcja-amt-trump-accounts/ Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Financial Advisor Tim Russell, CFP® and Pastor Drew Gysi with down with Michael Blue (Ron Blue Institute) to talk about aligning their finances with their faith.Learn more about the Ron Blue Institute.Subscribe to "Life in the Markets" PodcastBuy our new book: The Good StewardSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

From AI-powered robots to autonomous vehicles and data-hungry cameras, the next generation of connected assets is pushing wireless networks to their limits. While Wi-Fi 6E and Wi-Fi 7 deliver leaps in speed, bandwidth, and capacity, some applications demand even more—ultra-low latency, higher reliability, and seamless connectivity. In this episode, we dive into the exciting evolution of Wi-Fi, how Ultra-Reliable Wireless Backhaul (URWB) delivers ultra-reliability beyond what Wi-Fi can deliver, and how organizations are combining Wi-Fi and URWB to unlock new use cases. We will also unpack: What sets Wi-Fi 6E and Wi-Fi 7 apart from earlier generations? The new possibilities these Wi-Fi advancements enable—and where they fall short. Cisco's innovation for ultra-reliable wireless connectivity: URWB Real-world examples of URWB-powered solutions How Cisco is making URWB more accessible and simpler to deploy alongside Wi-Fi. Resources https://www.cisco.com/site/us/en/products/networking/industrial-wireless/index.html#tabs-9da71fbd27-item-1288c79d71-tab https://www.cisco.com/site/us/en/products/networking/industrial-wireless/ultra-reliable-wireless-backhaul/index.html?ccid=cc002272&oid=powit024681&dtid=ooteotr001729#tabs-9da71fbd27-item-1288c79d71-tab Cisco guest Bibin Raveendran, Product Manager, IoT (Industrial Wireless), Cisco Cisco Champion hosts Len Ledford, Architect II, Advisory Services, Insight Jonathan Mahady, Principal Network Engineer, BHP Peter Foppen, Technical Solutions Architect, Comstor Nederland Rickey Keith, Vertical Systems Engineer Moderator Danielle Carter, Customer Voices and Cisco Champion Program

Overview: In this episode of the SMB Community Podcast, our host James Kernan, along with guests Christina Klein from Land Sweeper and Martin from B2B Cyber Secure, discuss the importance of data, automation, and innovative tools in transforming the Managed Service Provider (MSP) landscape. Christina and Martin share their experiences and successes using Lansweeper to drive IT asset discovery, risk assessment, and cybersecurity compliance. They also explore how MSPs can leverage Lansweeper data to enhance service offerings and build trust with clients. The episode highlights future developments in AI and automation for Lansweeper and provides listeners with actionable steps to integrate these tools into their operations. --- Chapter Markers: 00:00 Introduction to the SMB Community Podcast 00:26 Meet the Guests: Christina Klein and Martin Dubreuil 01:21 Martin's Success with Lansweeper 03:12 Christina on Leveraging Lansweeper data  09:18 The Role of Cybersecurity in MSP Operations 13:53 Automation and Integration with Lansweeper 23:40 Future of Lansweeper and AI Integration 28:48 Conclusion and Signoff --- About Christina Klein:   Christina Klein has worked in the tech industry for 27 years. Her current role is the VP of Global Managed Service Providers.  Her career has spanned from global giants like Microsoft & AWS to scale-ups like Movere and Lansweeper.  Passionate about building & communicating the value of technology solutions through partnerships, Ms. Klein is an award-winning public speaker, 2023 Channel Chief and 2023 Role Model of the Year finalist.  About Martin Dubreuil:   With over 20 years of experience in IT management and cybersecurity, Martin Dubreuil specializes in IT asset discovery, risk assessment, and managed security services. As Associate & Director of Advisory Services at B2B Cyber Secure, a strategic partner of Lansweeper, he helps organizations secure their IT environments, optimize asset management, and strengthen compliance.  For the past 12 years, Martin has leveraged Lansweeper to provide comprehensive network visibility, vulnerability detection, and cybersecurity insights. His expertise enables businesses to identify risks, reduce attack surfaces, and implement proactive IT security strategies through managed services and automation.  "Using Lansweeper, we uncover network vulnerabilities by identifying unmanaged assets, providing insights for improving both IT and OT environments."  --- New Book Release: I'm proud to announce the release of my new book, The Anthology of Cybersecurity Experts! This collection brings together 15 of the nation's top minds in cybersecurity, sharing real-world solutions to combat today's most pressing threats. Whether you're an MSP, IT leader, or simply passionate about protecting your data, this book is packed with expert advice to help you stay secure and ahead of the curve. Available now on Amazon! https://a.co/d/f2NKASI --- Sponsor Memo: Since 2006, Kernan Consulting has been through over 30 transactions in mergers & acquisitions - and just this past year, we have been involved in six (6). If you are interested in either buying, selling, or valuation information, please reach out. There is alot of activity and you can be a part of it. For more information, reach out at kernanconsulting.com

Ever felt paralyzed by not knowing exactly what financial goals to set for your future? You're not alone. This episode tackles the common dilemma many young professionals face: how to save for a future you can't yet envision.Drawing from personal experience, I share how my husband and I discovered our love for Colorado's mountains later in life – a passion we couldn't have predicted in our twenties. Had we waited until identifying this specific goal before saving, our mountain property dream would have remained permanently out of reach. The lesson? Start saving now, even without specific targets.The episode reveals what I consider the ultimate saving hack: when you receive significant pay increases early in your career, resist dramatically changing your lifestyle. Make reasonable upgrades to safety and reliability, but otherwise maintain modest living standards and invest the difference. This approach creates remarkable financial flexibility by your 50s – options like early retirement, vacation homes, helping your children financially, or pursuing passions you haven't yet discovered.We also explore smarter consumption decisions, like our choice to rent boats occasionally rather than purchase one despite owning "everything for a boat except the boat." Having savings gives you the luxury of thoughtful consideration rather than impulsive decisions. Plus, financial security significantly reduces relationship tensions, as money ranks as the number one source of conflict among couples.Time truly is your greatest investment ally – the power of compound interest over decades makes starting early crucial. Don't let uncertainty about specific goals prevent you from saving. Begin now, invest consistently, and create options for a future self you haven't even met yet. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

In today's uncertain market with high capital costs and changing investor demands, startup valuation requires both expertise and adaptability. Valuation specialists Ross McSwain and Charles Gallman discuss how economic challenges are shaping current models and highlight the growing importance of founder vision and qualitative factors. They outline cost, market, and income approaches for different growth stages, referencing AICPA guides and practical experience, and stress the need to align methods with milestones and capital structure. Key takeaways  Valuation shifts as startups grow Qualitative factors matter VC return goals set discount rates Cost approach applies beyond early stages Continue reading to learn about key resources available at AICPA-CIMA.com to improve your valuation analyses. Guests: Charles Gallman, CPA/ABV, Managing Director, Advisory Services, Grant Thornton Ross McSwain, ABV, Managing Director, Advisory Services, Grant Thornton Host:  Nene Glenn Gianfala, CPA/ABV, Senior Vice President – Valuation Advisory Group, Chaffe & Associates Please share your thoughts about the episode - click here to leave us a review   Want to get involved with future FVS conferences, committees, task forces, or the standing ovation program? Send a message to infoFVS@aicpa-cima.com  RESOURCES FOR FURTHER EXPLORATION If you're using a podcast app that does not hyperlink to the resources, please visit our podcast platform to access the show notes with direct links.  Check out early bird and special discounts for AICPA and FVS Section members, and ABV, CFF and CVFI credential holders AICPA Forensic & Valuation Services Conference, Oct 28-30, Aurora, CO, in person and online AICPA Expert Witness Skills Workshop, Oct 28-30, Aurora, CO,in person only Business Valuation School - Sep 8-12, Raleigh NC, in person only Business Valuation School - Dec 1-5, Live online Accounting and Valuation guides from AICPA  If you are an AICPA-FVS Section member see below for free access to these guides Valuation of Privately Held Companies Equity Securities Issued as Compensation Valuation of Portfolio Company Investments of Venture Capital and Private Equity Funds and Other Investment Companies Assets Acquired to Be Used in Research and Development Activities - Accounting and Valuation Guide Exclusive content available with AICPA FVS Section membership: Click here to join this active community of your FVS peers. You will get 16 credits of complimentary CPE and access to rich technical content Valuation of Privately Held Companies Equity Securities Issued as Compensation Valuation of Portfolio Company Investments of Venture Capital and Private Equity Funds and Other Investment Companies Assets Acquired to Be Used in Research and Development Activities - Accounting and Valuation Guide The FVS Valuation Podcast archives Early-Stage Valuation, A Conversation with author Antonella Puca 409A Valuations – What you Need to Know Valuation Considerations in Equity Compensation LEARN MORE ABOUT THE FOLLOWING AICPA CREDENTIALS: Accredited in Business Valuation (ABV®) – Visit the home page and check out the ABV infographic Certified in the Valuation of Financial Instruments (CVFI®) – Visit the home page and check out the CVFI infographic Certified in Financial Forensics (CFF®) - Visit the home page and check out the CFF infographic This is a podcast from AICPA & CIMA, together as the Association of International Certified Professional Accountants. To enjoy more conversations from our global community of accounting and finance professionals, explore our network of free shows here. Your feedback and comments are welcomed at podcast@aicpa-cima.com    

A new tax bill has officially passed (you've probably heard it mentioned as the “Big Beautiful Bill”). And while most headlines are focused on politics, we're focused on what it means for your retirement. The choices you make in the next year or two could have a significant impact on how much you keep and how much goes to Uncle Sam.   Important Links: Website: https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separate, non-affiliated entities. PCA does not provide tax or legal advice. Insurance and tax services offered through CP Welde Group are not affiliated with PCA. Information received from this podcast should not be viewed as individual investment advice. Product discussions and illustrations are hypothetical in nature and will vary based on many factors including, but not limited to, age, health, product, insurance carrier and product design. You should consult the insurance carrier website and policy for detailed information. Content may have been created by a Third Party and was not written or created by a PCA affiliated advisor and does not represent the views and opinions of PCA or its subsidiaries.  For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.

In today's uncertain market with high capital costs and changing investor demands, startup valuation requires both expertise and adaptability. Valuation specialists Ross McSwain and Charles Gallman discuss how economic challenges are shaping current models and highlight the growing importance of founder vision and qualitative factors. They outline cost, market, and income approaches for different growth stages, referencing AICPA guides and practical experience, and stress the need to align methods with milestones and capital structure. Key takeaways  Valuation shifts as startups grow Qualitative factors matter VC return goals set discount rates Cost approach applies beyond early stages Continue reading to learn about key resources available at AICPA-CIMA.com to improve your valuation analyses. Guests: Charles Gallman, CPA/ABV, Managing Director, Advisory Services, Grant Thornton Ross McSwain, ABV, Managing Director, Advisory Services, Grant Thornton Host:  Nene Glenn Gianfala, CPA/ABV, Senior Vice President – Valuation Advisory Group, Chaffe & Associates Please share your thoughts about the episode - click here to leave us a review   Want to get involved with future FVS conferences, committees, task forces, or the standing ovation program? Send a message to infoFVS@aicpa-cima.com  RESOURCES FOR FURTHER EXPLORATION If you're using a podcast app that does not hyperlink to the resources, please visit our podcast platform to access the show notes with direct links.  Check out early bird and special discounts for AICPA and FVS Section members, and ABV, CFF and CVFI credential holders AICPA Forensic & Valuation Services Conference, Oct 28-30, Aurora, CO, in person and online AICPA Expert Witness Skills Workshop, Oct 28-30, Aurora, CO,in person only Business Valuation School - Sep 8-12, Raleigh NC, in person only Business Valuation School - Dec 1-5, Live online Accounting and Valuation guides from AICPA  If you are an AICPA-FVS Section member see below for free access to these guides Valuation of Privately Held Companies Equity Securities Issued as Compensation Valuation of Portfolio Company Investments of Venture Capital and Private Equity Funds and Other Investment Companies Assets Acquired to Be Used in Research and Development Activities - Accounting and Valuation Guide Exclusive content available with AICPA FVS Section membership: Click here to join this active community of your FVS peers. You will get 16 credits of complimentary CPE and access to rich technical content Valuation of Privately Held Companies Equity Securities Issued as Compensation Valuation of Portfolio Company Investments of Venture Capital and Private Equity Funds and Other Investment Companies Assets Acquired to Be Used in Research and Development Activities - Accounting and Valuation Guide The FVS Valuation Podcast archives Early-Stage Valuation, A Conversation with author Antonella Puca 409A Valuations – What you Need to Know Valuation Considerations in Equity Compensation LEARN MORE ABOUT THE FOLLOWING AICPA CREDENTIALS: Accredited in Business Valuation (ABV®) – Visit the home page and check out the ABV infographic Certified in the Valuation of Financial Instruments (CVFI®) – Visit the home page and check out the CVFI infographic Certified in Financial Forensics (CFF®) - Visit the home page and check out the CFF infographic This is a podcast from AICPA & CIMA, together as the Association of International Certified Professional Accountants. To enjoy more conversations from our global community of accounting and finance professionals, explore our network of free shows here. Your feedback and comments are welcomed at podcast@aicpa-cima.com    

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford break down the One Big Beautiful Bill Act. Read the Bill hereSubscribe to "Life in the Markets" PodcastBuy our new book: The Good StewardSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

Benchmark Financial Group answers ten essential questions that every Federal employee should ask as they prepare for retirement. Learn how to choose the best retirement date, understand your federal pension, optimize annual and sick leave, and navigate the complexities of survivor benefits, TSP withdrawals, Social Security, and federal health insurance options.————Since 1987, Benchmark Financial Group, LLC has been committed to helping clients realize their financial independence, especially at retirement. Benchmark works with federal employees to provide a customized analysis of their federal benefits at a time convenient for the employee. This customized analysis of federal benefits is prepared by Benchmark professionals who hold a ChFEBC designation. This means we are financial professionals who have completed extensive training to learn and understand federal benefits. As a result, Benchmark helps provide many optional answers to the questions that concern federal employees.Follow Benchmark Financial Group:Website: https://bfgkc.com/LinkedIn at / benchmark-financial-group-llc orFacebook at / benchmarkfinancialgroupllc Benchmark is located at 10975 Benson Dr., Suite 500, Overland Park, KS 66210, Corporate Woods Building 12. You can contact Benchmark Financial Group by visiting the website at https://bfgkc.com, calling 913.227.4224, or emailing David at david.raetz@bfgkc.com.Securities and Advisory Services are offered through CreativeOne Securities, LLC. Member FINRA/SIPC and an Investment Advisor. Benchmark Financial Group, LLC, and CreativeOne Securities are not affiliated companies.#benchmarkfinancialgroup #planyourfederalretirement

Welcome to another engaging episode of The Brand Called You! In this episode, host Ashutosh Garg sits down with John Martinka, known as the “Escape Artist,” a dealmaker with Nokomis Advisory Services and the author of Exit with Style, Grace and More Money. Together, they delve into the intricacies of buying and selling businesses, lessons from deals gone right (and wrong), and strategies for exiting your business with prosperity and pride.Here's a breakdown of what you can expect from the conversation, including important timestamps in question format:

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss whether or not there is wisdom in lending money to family.Subscribe to "Life in the Markets" PodcastBuy our new book: The Good StewardSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

A few months ago, we hosted a Special Edition of Everything Compliance, featuring the two primary hosts of the Great Women in Compliance, Lisa Fine and Hemma Lomax, along with our female panelists from Everything Compliance, Karen Woody and Karen Moore, all moderated by Kristy Grant-Hart. The episode was so popular (and the host and guests had so much fun) that everyone involved decided to make it a quarterly event. Today's episode is hosted by Kristy Grant-Hart, with panelists Karen Moore, Lisa Fine, and Hemma Lomax. Highlights include: Lisa Discusses UK Fraud Prevention Law Hema on the False Claims Act Karen on Compliance, Rewards, and Incentives Exploring Behavioral Science in Business Ethics and Compliance Incentives AI, Blackmail, and Whistleblowing Sentient AI and Ethical Dilemmas Rants and Raves: Compliance and Beyond The members of this special episode of Everything Compliance (GWIC edition) are: Karen Moore is an Adjunct Law professor at the Fordham School of Law. Lisa Fine – is a co-host of the award-winning Great Women in Compliance. Hemma Lomax– is a co-host of the award-winning Great Women in Compliance. The host of this special episode of Everything Compliance is Kristy Grant-Hart, VP, Head of Advisory Services at Diligent and co-host of the award-winning podcast 2 Gurus Talk Compliance. Learn more about your ad choices. Visit megaphone.fm/adchoices

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss how to handle a financial windfallSubscribe to "Life in the Markets" PodcastBuy our new book: The Good StewardSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

You've worked hard, saved well, and now you're thinking about giving back—maybe to your kids, your grandkids, or a cause you care about. But should you wait and pass that wealth on later, or give while you're still around to enjoy the impact? Let's talk about how to make that decision with confidence.   Important Links: Website: https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separate, non-affiliated entities. PCA does not provide tax or legal advice. Insurance and tax services offered through CP Welde Group are not affiliated with PCA. Information received from this podcast should not be viewed as individual investment advice. Product discussions and illustrations are hypothetical in nature and will vary based on many factors including, but not limited to, age, health, product, insurance carrier and product design. You should consult the insurance carrier website and policy for detailed information. Content may have been created by a Third Party and was not written or created by a PCA affiliated advisor and does not represent the views and opinions of PCA or its subsidiaries.  For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.

In this episode of the Additive Snack Podcast, host Fabian Alefeld is joined by Madhi Jamshid and Scott Sevcik of the ASTM Additive Manufacturing Community to discuss significant trends and insights within the additive manufacturing industry. They delve into the history and evolution of the Wohlers Report, various advancements in different sectors like defense and consumer products, and the impact of geopolitical factors such as trade policies on the industry. The discussion also covers the maturity of additive manufacturing, the role of standards and certifications provided by ASTM, and future growth projections. Madhi and Scott offer a comprehensive view of how the industry has evolved and what to expect in the coming years. 01:47 History and Evolution of Wohlers Report 02:54 Wohler Report's Acquisition and Transformation 06:35 Consulting and Advisory Services 13:46 Emerging Trends in Additive Manufacturing 30:28 Challenges and Slowdowns in the Industry 38:01 Scalability in Hardware vs. Software Investments 39:07 Impact of Politics and Trade Policies on Additive Manufacturing 39:55 Complexities and Uncertainties in Global Supply Chains 46:18 European Union's Defense Spending and Additive Manufacturing 52:50 Role of Standards in Additive Manufacturing 01:02:44 Future Trends and Industry Growth Projections 01:14:41 Conclusion and Final Thoughts  

Tired of pushy sales tactics? Discover how to master the art of selling high-value CFO advisory services without feeling sleazy as Michelle Weinstein takes the hot seat opposite Adam Lean, CEO of The CFO Project. We delve into strategies for financial professionals to communicate their value, overcome the fear of rejection, and build a thriving practice with high-paying clients. Michelle shares insights on creating empowering sales conversations and achieving work-life balance while teaching firm owners to charge premium fees and focus on value-based interactions. If you're ready to transform your approach to selling, and build the confidence to grow your business without compromising your integrity, this is a must-listen.

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss a growing trend among Gen Z... "Microretirement"Buy our new book: The Good StewardSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

Freedom requires a plan, especially in retirement. The myth that retirees can abandon budgeting once they stop working creates unnecessary financial stress and can threaten long-term security. As a financial planner, I've seen how the right approach to retirement spending creates confidence, reduces anxiety, and actually encourages enjoyable spending.When your income no longer arrives automatically through a paycheck, understanding your cash flow becomes even more critical. Retirement brings changing expenses - from healthcare costs to dream vacations - while inflation and longevity risk add complexity to financial planning. The good news? Retirement budgeting doesn't mean restriction; it means clarity and purpose.The most effective retirement spending plans categorize expenses as fixed (housing, insurance, utilities) and variable (travel, hobbies, gifts). Match guaranteed income like Social Security to your essential expenses, while using investment growth for discretionary spending during favorable market conditions. Track your spending for a couple months, create a simple one-page budget, and review it quarterly. This approach provides the freedom to spend confidently on what matters most to you.My favorite moments as a financial advisor come when I can encourage well-prepared clients to spend more money in retirement. With a solid foundation and clear understanding of your financial boundaries, you can travel, pursue hobbies, support family, and live generously without constant worry. Ready to build a retirement budget that enhances rather than restricts your lifestyle? Let's talk about how a thoughtful financial plan can help you enjoy the retirement you've worked so hard to achieve. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Pastor Drew Gysi and Tyler Rutherford ask Financial Advisor Tim Russell, CFP® the hard questions.Buy our new book: The Good StewardSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaLife Financial Group, Inc.Wealth Management from a Biblical WorldviewDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Subscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

The union representing midwives says Wellington Hospital cutting beds from its gynaecology and maternity wards in a trial aimed at making more room for patients from the overcrowded Emergency Department is a bad move. Midwifery Representation and Advisory Service's Caroline Conroy spoke to Melissa Chan-Green.

Episode six features Pushpendra Mehta and Paul Galloway, Senior Director of Advisory Services at Strategic Treasurer, exploring strategies to manage unforeseen challenges. Tune in for thoughtful insights. You can explore the Leading Practices in Treasury eBook or its audiobook by visiting: https://strategictreasurer.com/ebook-leading-practices-in-treasury/?utm_source=STEBKpage For a visual overview, watch the video version here: https://www.youtube.com/watch?v=XJotnXwxIvw

Have you ever left a job and forgotten about your retirement plan? You're not alone. A staggering $1.3 trillion sits in over 25 million abandoned 401(k) accounts across America. That's literally like walking away from your paycheck when you exit the building!Today I'm breaking down your four options for those old retirement plans, whether they're 401(k)s or 403(b)s. You can leave the money where it is (if you have over $7,000 in the account), which might work well if your former employer offered solid low-cost options. But let's be honest – out of sight often means out of mind, and these accounts frequently end up neglected.Rolling your old plan into your current employer's 401(k) keeps everything in one place, making it easier to manage alongside your current contributions. This strategy also preserves your ability to make backdoor Roth IRA contributions if your income exceeds the normal limits. Alternatively, you could roll the funds into an IRA for potentially greater investment flexibility, though this might come with higher costs than employer plans. And while you can move traditional IRA money back into a 401(k) later, curiously, you can't do the same with Roth IRA funds.The fourth option – cashing out – should generally be your last resort. Between regular income taxes and the 10% early withdrawal penalty, you could easily lose 25-30% of your money immediately. Imagine cashing out $50,000 while earning $75,000 – suddenly your taxable income jumps to $125,000, creating a potential tax nightmare!When deciding what to do with your old retirement accounts, consider fees, investment options, whether you might need to access the money through loans, and the mental clarity that comes from consolidation. Don't become part of that $1.3 trillion in forgotten funds! Review your accounts annually, maintain your online access, and ensure your hard-earned retirement savings keep working for your future. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

The 4% rule gets talked about like gospel in retirement planning. But let's be honest, it's always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision?   Important Links: Website: https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separate, non-affiliated entities. PCA does not provide tax or legal advice. Insurance and tax services offered through CP Welde Group are not affiliated with PCA. Information received from this podcast should not be viewed as individual investment advice. Product discussions and illustrations are hypothetical in nature and will vary based on many factors including, but not limited to, age, health, product, insurance carrier and product design. You should consult the insurance carrier website and policy for detailed information. Content may have been created by a Third Party and was not written or created by a PCA affiliated advisor and does not represent the views and opinions of PCA or its subsidiaries.  For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss lifestyle creepBuy our new book: The Good StewardSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

Health plans continue to face operational delays due to fragmented systems and an over-reliance on manual reporting cycles. While data analysts work across multiple platforms to produce static reports, the insights often arrive too late to support real-time decisions. This episode explores why traditional models are no longer sustainable and how self-service dashboards, powered by a connected data ecosystem, are transforming operational agility. Listeners will hear how prebuilt metrics provide immediate visibility across functions such as claims, call center performance, and ID card fulfillment, enabling teams to respond faster, stay compliant, and enhance member outcomes. The discussion also covers adoption strategies, ROI considerations, and the organizational shift toward on-demand, decision-ready data.Listen now to discover how leading health plans are moving from reactive operations to real-time insight, without relying on analysts.About Our Guest: Michael Waxman is a health plan operations leader with over 20 years of experience as a health payer consultant at PwC and EY. He recently served as the Director of Business Operations for the post-implementation operations of HealthProof's technology ecosystem for a Medicare Advantage client. Using HealthProof's self-service dashboard, he ensured operational alignment for the health plan's provider data, claims, credentialing, cross-functional alignment for call center, disputes, utilization management, and more. Today, Waxman is a member of the Advisory Services team at HealthProof.

Benchmark Financial Group explores essential strategies for federal employees who need to optimize their Thrift Savings Plan (TSP), navigate volatile markets, and make informed decisions about traditional and Roth contributions. You'll also learn about TSP contribution limits for 2025, the differences between G, F, C, S, and I funds, and how to create a strategic retirement income plan tailored to your needs.If you're a federal employee approaching retirement or looking for actionable advice on TSP and retirement income, this video is a must-watch. Ready to take the next step? Contact Benchmark Financial Group for a personalized consultation, and let us help you achieve your financial goals with confidence today.————Since 1987, Benchmark Financial Group, LLC has been committed to helping clients realize their financial independence, especially at retirement. Benchmark works with federal employees to provide a customized analysis of their federal benefits. This customized analysis of federal benefits is prepared by Benchmark professionals who hold a ChFEBC designation. This means we are financial professionals who have completed extensive training to learn and understand federal benefits. Follow Benchmark Financial Group:Website: https://bfgkc.com/LinkedIn: https://www.linkedin.com/company/benchmark-financial-group-llc/ orFacebook: https://www.facebook.com/BenchmarkFinancialGroupLLCBenchmark is located at 10975 Benson Dr., Suite 500, Overland Park, KS 66210, Corporate Woods Building 12. You can contact Benchmark Financial Group by visiting the website at https://bfgkc.com, calling 913.227.4224, or emailing David at david.raetz@bfgkc.com.Securities and Advisory Services are offered through CreativeOne Securities, LLC. Member FINRA/SIPC and an Investment Advisor. Benchmark Financial Group, LLC, and CreativeOne Securities are not affiliated companies.#tsp #benchmarkfinancialgroup #planyourfederalretirement

Small businesses offering 401(k) plans see 40% lower employee turnover in the first year, yet only 10% receive benefits guidance from their accountants. Justin Kurn explains how Dark Horse CPAs identifies the right triggers, such as growing staff or high turnover, to initiate benefits conversations. Meanwhile, Julia Miller from Gusto breaks down how accountants can help clients navigate the cost and complexity of offering health insurance, retirement plans, and other benefits. The conversation reveals how positioning yourself as a benefits advisor can double or triple your fees while helping clients attract better talent and reduce costly employee churn.Learn more about Gusto https://gusto.com/product/benefitsChapters(00:56) - Meet Our Guests (01:26) - The Growth Story: Dark Horse CPAs' Success (02:04) - Advisory First Approach: Transforming Client Relationships (03:38) - Gusto's Role in Benefits: An Overview (07:37) - Challenges and Solutions: Small Businesses Offering Benefits (10:25) - The Cost and Complexity of Benefits: Breaking It Down (15:00) - Advisory Conversations: Identifying Client Needs (19:23) - Gusto's Support for Accountants: Tools and Resources (25:43) - Affordability and Competitive Advantage (26:40) - Partnering with Gusto for Benefits (28:19) - Gusto's Software Solutions (29:12) - Client Experiences with Gusto (29:52) - Gusto's User-Friendly Platform (39:10) - Implementation and Timeline (47:42) - Increasing Revenue through Advisory Services (49:52) - Conclusion and Final Thoughts Sign up to get free CPE for listening to this podcasthttps://earmarkcpe.comhttps://earmark.app/Download the Earmark CPE App Apple: https://apps.apple.com/us/app/earmark-cpe/id1562599728Android: https://play.google.com/store/apps/details?id=com.earmarkcpe.appConnect with Our Guests:Julia MillerLinkedIn: https://www.linkedin.com/in/julia-g-millerJustin KurnLinkedIn: https://www.linkedin.com/in/justinkurnWebsite: https://darkhorse.cpa/justin-kurn-cro/Connect with Blake Oliver, CPALinkedIn: https://www.linkedin.com/in/blaketoliverTwitter: https://twitter.com/blaketoliver/

In episode five, Pushpendra Mehta and Paul Galloway, Senior Director of Advisory Services at Strategic Treasurer, discuss Compliance and Leveraging Networks. Listen in to learn more. Want to dive deeper into Leading Practices in Treasury? Download the eBook or listen to the audiobook here: https://strategictreasurer.com/ebook-leading-practices-in-treasury/?utm_source=STEBKpage Prefer video? Watch the full version here: https://www.youtube.com/watch?v=XJotnXwxIvw  

Ready to rethink everything you thought you knew about retirement planning? Forget the simplistic "magic number" approach—retirement is actually a timeline that could span 25, 30, or even 40 years of your life.Most retirees follow a predictable spending pattern: those first golden years tend to be surprisingly expensive as you finally tackle bucket list dreams and long-postponed projects. That European vacation? Kitchen renovation? Workshop in the backyard? They all happen early, creating a significant upfront expense. Then spending typically levels out before rising again in later years as healthcare needs increase. This timeline perspective transforms how we should prepare financially.For those already approaching retirement, I break down the essential three-bucket strategy: your spending bucket for immediate needs, your income bucket generating regular returns, and your growth bucket fighting inflation over decades. Without proper growth investments, your retirement income won't keep pace with rising costs. Younger listeners facing student loans and other debts shouldn't be discouraged by seemingly impossible retirement targets. Start small by focusing on replacing just one year of income at a time.I also bust a persistent myth that drives me crazy: carrying credit card balances does NOT improve your credit score! Paying in full each month while maintaining low balance-to-limit ratios actually creates better credit outcomes without wasting money on interest.The power of compound interest means your initial savings efforts will eventually be dwarfed by your money making money. But you have to start somewhere. Whatever financial mistakes you've made, stop digging that hole today. We can't change the past, but better decisions now create a more secure tomorrow. Ready to reimagine your retirement journey? Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Join Jeff Black, Global Leader of Mercer's M&A Advisory Services, in this episode of the Delivering the Deal podcast as he speaks with Dan Jackson, Senior Principal and Pensions Actuary at Mercer, and Nick Gibson, ManagingDirector at Cardano Advisory. They delve into the transformative recent changes in the UK Defined Benefit pension landscape and how these shifts are creatingnew avenues for investors to unlock value from businesses with these pension plans. Learn how these developments can enhance deal-making strategies and present unique opportunities for global investors looking to create value through pension surpluses. Tune in for actionable insights that connect investment strategies with the evolving pension landscape, empowering you to maximize deal value in today's market.

In this compelling episode, Peter Towers, Managing Director of ESS BIZTOOLS, explores how offering Research & Development (R&D) advisory services can transform your firm into a strategic partner for innovative SMEs. Discover why R&D is not just a tax incentive – it's a powerful differentiation tool for accountants, bookkeepers, and business advisors. Peter outlines: ·         Why R&D services are critical in a post-compliance world ·         How to guide clients from idea to incentive and beyond ·         Key requirements: company structure, $20K minimum spend, documentation ·         The ripple effect: mentoring, commercialisation, and capital raising ·         How ESS BIZTOOLS supports your journey with 46 R&D tools and templates With looming changes in compliance workflows and increasing SME demand for innovation support, now is the time to diversify your service offerings. You can also access our podcast on: Amazon Music Apple Podcasts Audible Spotify YouTube    

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss the harmful effects of minimum wage laws.Buy our new book: The Good StewardEconomics in One LessonSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaLife Financial Group, Inc.Wealth Management from a Biblical WorldviewDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Subscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

June 23, 2025: Samme Diaz, Vice President of Advisory Services at Healthlink Advisors, joins Sarah for the news. How can healthcare organizations address the persistent challenge of EHR-driven nurse burnout when clunky interfaces and poor workflow integration continue to hinder their progress? And as Emory Healthcare pioneers the nation's first Apple-powered hospital environment, what possibilities emerge when consumer technology meets clinical care? Beyond the technology itself, Sarah and Samme draw from their CIO experience to examine the often-overlooked human elements of digital transformation. Key Points: 01:43 Nurses and EHR Burnout 06:52 Emory's Apple-Powered Hospital 14:34 Challenges and Opportunities News Articles:  Nurses Continue to Name EHRs a Top Driver of Burnout and Resignation in 2025, Black Book Nurses' Week Survey Emory Healthcare debuts 1st Apple-powered hospital

Matt Brown, VP of Telehealth at Advisory Services at CHG Healthcare, discusses the current state and future of telehealth, including the rapid adoption during the COVID-19 pandemic, the role of technology and AI in enhancing telehealth experiences, and how telehealth can help address physician and nurse burnout. Improved internet access, mobile device usage, and consumer preferences for convenience have driven the increasing telehealth usage for initial visits, follow-up appointments, and chronic care management.   Matt explains, "We are the nation's largest staffing agency. So, we're actually the founders of what's known as the locum tenens marketplace. CHG has been a pioneer in bringing physician services into remote and rural locations across the United States for the past four years. And over the last 10 years or so, we've continued to innovate on top of that physician-led experience and started to bring technology operations, as well as consulting services and telehealth, into the marketplace. So think of us as providing a broad array of staffing services, but also on top of that, technology and operations, and consulting that help the largest health systems in the country manage their physician workforce."   "It's been widely adopted since the pandemic. If you think about coming out of the pandemic, a lot of our health systems and hospitals were really forced to do a few things. One, they really had to upgrade a lot of their infrastructure and technology. So that meant that they were bringing broadband access into their hospitals. They started to think about how they could deliver care to their patients more remotely. And as they were doing a lot of these technology upgrades, they also started to address patients more like consumers. So I think that there was a big shift that started to take place in consumer services, starting to look like healthcare services."   "About that same time, you had a number of very large retail-focused, consumer-focused companies start to enter into the healthcare marketplace. So these are folks like Amazon, you have CVS and Walgreens, and now you've had a number of companies like Hims and Hers, and all of those are entering into the healthcare ecosystem through telehealth as a channel. So, as we've seen this increased infrastructure, this improvement in infrastructure, as well as consumerization of healthcare, continue to accelerate after the pandemic, and now we have more of this consumer-centric focus coming from a retail perspective."   #CHFGHealthcare #MedAI #DigitalHealth #PatientAccess #Telehealth #PhysicianBurnout #ClinicianBurnout CHGHealthcare.com Download the transcript here

Matt Brown, VP of Telehealth at Advisory Services at CHG Healthcare, discusses the current state and future of telehealth, including the rapid adoption during the COVID-19 pandemic, the role of technology and AI in enhancing telehealth experiences, and how telehealth can help address physician and nurse burnout. Improved internet access, mobile device usage, and consumer preferences for convenience have driven the increasing telehealth usage for initial visits, follow-up appointments, and chronic care management.   Matt explains, "We are the nation's largest staffing agency. So, we're actually the founders of what's known as the locum tenens marketplace. CHG has been a pioneer in bringing physician services into remote and rural locations across the United States for the past four years. And over the last 10 years or so, we've continued to innovate on top of that physician-led experience and started to bring technology operations, as well as consulting services and telehealth, into the marketplace. So think of us as providing a broad array of staffing services, but also on top of that, technology and operations, and consulting that help the largest health systems in the country manage their physician workforce."   "It's been widely adopted since the pandemic. If you think about coming out of the pandemic, a lot of our health systems and hospitals were really forced to do a few things. One, they really had to upgrade a lot of their infrastructure and technology. So that meant that they were bringing broadband access into their hospitals. They started to think about how they could deliver care to their patients more remotely. And as they were doing a lot of these technology upgrades, they also started to address patients more like consumers. So I think that there was a big shift that started to take place in consumer services, starting to look like healthcare services."   "About that same time, you had a number of very large retail-focused, consumer-focused companies start to enter into the healthcare marketplace. So these are folks like Amazon, you have CVS and Walgreens, and now you've had a number of companies like Hims and Hers, and all of those are entering into the healthcare ecosystem through telehealth as a channel. So, as we've seen this increased infrastructure, this improvement in infrastructure, as well as consumerization of healthcare, continue to accelerate after the pandemic, and now we have more of this consumer-centric focus coming from a retail perspective."   #CHFGHealthcare #MedAI #DigitalHealth #PatientAccess #Telehealth #PhysicianBurnout #ClinicianBurnout CHGHealthcare.com Listen to the podcast here

Forget waiting for the perfect financial opportunity. Everyone dreams of having bought Apple stock in 2004 or finding that perfect house at the perfect price, but real wealth isn't built through home runs – it's created through consistent singles.After working with hundreds of millionaire-next-door retirees, I've discovered their secret isn't spectacular investing wins but small, incremental improvements that compound dramatically over time. This power of 1% works universally, whether you're just starting your career or already enjoying retirement.For younger investors, increasing your 401k contribution by just 1% creates minimal budget impact now but massive retirement benefits later. On a $60,000 salary, that's only $50 monthly that could grow to $50-60k by retirement. Already maxing retirement accounts? Consider canceling one streaming service ($10-15/month) and redirecting those funds to a Roth IRA. Another overlooked opportunity: move your emergency fund from a traditional bank to a brokerage firm's money market account earning 4%+ interest – potentially generating hundreds in passive income annually from money that was sitting idle.Retirees benefit equally from the 1% approach. Reducing portfolio withdrawals by just 1% keeps more money invested and growing. Those 70½ or older can optimize charitable giving through Qualified Charitable Distributions directly from IRAs, maintaining generosity while eliminating taxes on those distributions. Think of financial wellness like physical fitness – consistency trumps intensity. What will your 1% improvement be this month? That single small step might just transform your financial future. The journey to financial freedom isn't about swinging for the fences – it's about showing up daily and moving consistently in the right direction. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

In this episode of HFS Unfiltered Stories, Saurabh Gupta, President, Research and Advisory Services at HFS Research, sits down with Deepak Arora, SVP of Financial Services at HCLTech, to explore the dynamic transformation sweeping through commercial banking. From macroeconomic volatility to regulatory complexity and rapid digital disruption, banks are being pushed to act—not wait—for change. Deepak unpacks how leading institutions are tackling modernization with purpose and urgency, backed by real-world case studies. From overhauling working capital systems to streamlining trade finance using AI and GenAI, the conversation brings to life the practical steps banks are taking to future-proof their business. Deepak also lays out a clear, actionable roadmap for moving from operational resilience to sustainable growth. Key highlights of the discussion include:From Resilience to Growth: Commercial banks are evolving from a defensive posture to a growth-oriented, future-ready mindset.Balancing Legacy with Innovation: Modernization strategies must protect the stability of legacy systems while introducing digital agility.Use Cases That Matter: HCLTech is driving transformation in areas like trade finance, working capital optimization, and cash management.AI with Purpose: AI and GenAI are being applied intentionally to solve core business problems, not just for experimentation.Accelerated Tech Adoption: Macroeconomic and regulatory pressures are pushing banks to embrace change faster than ever.Beyond Point Solutions: Success lies in embracing platform-led transformation with integrated, scalable workflows.The New Playbook: Winning strategies center on platform investments, workflow redesign, and strong business-tech collaboration.Trust at the Core: Efficiency matters—but trust, experience, and purpose are now key pillars of transformation.Tune into this must-listen conversation for insight into how commercial banks are redefining their future today. Read the full report HFS Horizons: The Best Service Providers for Commercial Banks, 2025 here: https://www.hfsresearch.com/research/hfs-horizons-the-best-service-providers-for-commercial-banks-2025/

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss who wins and who loses in an inflationary environment Buy our new book: The Good StewardSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaLife Financial Group, Inc.Wealth Management from a Biblical WorldviewDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Subscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

In this special episode of the Future of Education, Jana Hartenstein, Minta Ferguson, and Alec Stover have a compelling discussion on how leveraging advisory services can revolutionize higher education planning. Jana, an architect and higher education practice leader at McMillan Pazdan Smith, Minta, director of planning and leader of MPS Advisors, and Alex, an advisory services data analyst, delve into the integration of analytics with advanced planning. Listen as this team reveals how they help institutions make informed decisions about space utilization, growth planning, and facility design.Key Points:What's the purpose of Advisory Services?How to create seamless workflows, simplify project schedules, improve communication, and eliminate "cold handoffs" between consultants and project team members. Data vs. Perception: Using data analysis to validate or challenge assumptions about space needs.GIS Capabilities: How the spatial visualization of data can make complex challenges easier to understand and plan for. When is the best time to engage an advisory services team?  Higher Education institutions today need every advantage they can find to maximize use of space, adapt facilities for future use, and plan for optimum growth and efficiency.Tune in to discover how Higher Education is using data-driven advisory services to shape the future.

Unlock the secret to transforming your accounting firm from a compliance-driven grind to a thriving hub of high-value advisory services! In this episode, Michelle Weinstein welcomes Jim Buffington, the leader of advisory services at Intuit Accountants, and a passionate advocate for empowering tax and accounting professionals. Jim shares invaluable insights on how to break free from the burnout cycle, ethically double or triple your fees, and create consistent cash flow by leading with strategic tax planning and advisory services. He also reveals how to attract ideal clients, ditch the ones that drain your energy, and build a firm and life full of abundance. Join us as we dive deep into practical tips, real-life success stories, and actionable steps to revolutionize your practice and achieve the financial freedom you've always dreamed of.

SummaryIn this episode, Mo Arbas and Paul Miller engage with Trisha Floyd, a CPA firm owner, discussing her journey in transitioning from traditional accounting to advisory services. Trisha shares insights on the importance of client education, building trust, and the integration of wealth management into CPA practices. The conversation highlights the evolving landscape of the service industry and the opportunities for CPAs to provide higher levels of service and support to their clients.TakeawaysTrisha Floyd emphasizes the importance of client education in advisory services.Building trust is crucial for CPAs to effectively offer wealth management.The integration of wealth management into CPA practices can enhance client relationships.Understanding client needs goes beyond tax returns; it's about holistic financial planning.Trisha's firm aims to provide customized plans for clients of all ages.The service industry is evolving, with a growing demand for comprehensive financial services.CPAs can leverage their expertise to offer higher levels of service and support.Effective communication and asking the right questions can uncover additional client needs.The future of advisory services lies in the ability to adapt and provide tailored solutions.Trisha is excited about the potential of marrying CPA services with wealth management.Keywords: CPA, advisory services, wealth management, client education, financial planning, trust, client relationships, service industry, tax planning, financial advisory

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss whether or not it is a good idea to round up at the registerBuy our new book: The Good StewardSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

"I wanted to be a dolphin trainer... But here I am." - Kelly Guzman  What happens when emergency nurses become healthcare design consultants? In this fascinating episode of Healthcare Interior Design 2.0, host Cheryl Janis sits down with two remarkable guests who made the leap from bedside care to transforming how healthcare spaces are designed. Meet Kelly Guzman, who traded her childhood dreams of training dolphins for a nursing career that began during the 1987 nursing shortage. After years managing emergency departments and clinical services at UCLA Health, Kelly discovered her true calling when tasked with moving entire hospitals into new buildings. Now CEO of Yellow Brick Consulting, she orchestrates complex healthcare facility transitions with military precision - including dress rehearsals with up to 900 staff members testing new spaces before they open. Meet Kevin Meek, whose journey started at age 13 as a hospital candy striper, inspired by the TV show Emergency 51. His design awakening came in 2014 when he walked through a micro hospital under construction and immediately knew it would be an operational nightmare. One complaint to his boss led to a game-changing meeting with architects in Texas, launching his transition from trauma nurse to design consultant. Both Kelly and Kevin have served on the board of the Nursing Institute for Healthcare Design (NIHD), our podcast industry partners. They found their tribe in this organization that connects clinical "unicorns" who felt alone in the design space. The NIHD's mission is to engage and integrate clinical expertise into healthcare facility planning through leadership, education, and advocacy - ensuring that the voices of those who actually work in these spaces are heard in the design process. Together, they've pioneered the concept of "clinically informed design" - and the stories they share will make you question everything you thought you knew about healthcare facility planning. From door handles placed in impossible locations to the eternal struggle of finding space for critical patient information at the bedside, this episode reveals the often hilarious (and sometimes heartbreaking) disconnect between beautiful design and functional reality. In this eye-opening conversation, you'll discover: How two emergency nurses found their calling as healthcare design "unicorns" and why the industry desperately needs more clinical voices The game-changing difference between evidence-based design and clinically informed design (hint: one involves research, the other involves asking the right questions) Why a door paddle eight feet from the door could be a matter of life and death - and other design details that seem obvious once you know them The fascinating world of hospital transition planning, where entire facilities rehearse their opening like a Broadway production How the Nursing Institute for Healthcare Design is connecting clinical expertise with architectural brilliance Real-world horror stories of beautiful spaces that staff absolutely hate to work in Practical strategies for nurses thrust into design meetings and architects wanting to truly engage clinical teams Why post-occupancy evaluations could prevent future design disasters (and why they rarely happen) Discover why nurses are the ultimate design unicorns, learn about the organization connecting clinical voices to design teams nationwide, and find out what happens when a nurse tells a prospective client that they "hate" their gorgeous new facility - with the architect standing right there. Learn more about Kevin Meek: https://www.haskell.com/ Learn more about Kelly Guzman: https://consultyellowbrick.com/ Learn more about The Nursing Institute for Healthcare Design: https://nursingihd.com/. Industry Partners The world is changing quickly. The Center for Health Design is committed to providing the healthcare design and senior living design industries with the latest research, best practices and innovations. The Center can help you solve today's biggest healthcare challenges and make a difference in care, safety, medical outcomes, and the bottom line.  Find out more at healthdesign.org. Additional support for this podcast comes from our industry partners: The American Academy of Healthcare Interior Designers The Nursing Institute for Healthcare Design Learn more about how to become a Certified Healthcare Interior Designer®  by visiting the American Academy of Healthcare Interior Designers at: https://aahid.org/. Connect to a community interested in supporting clinician involvement in design and construction of the built environment by visiting The Nursing Institute for Healthcare Design at https://www.nursingihd.com/ FEATURED PRODUCT The prevention of nosocomial infections is of paramount importance. Did you know that bathrooms and showers – particularly in shared spaces – are a veritable breeding ground for pathogen, some of which we see in the form of mold and the build-up of toxic bio films on surfaces. Body fats and soap scums provide a rich food sauce for micro-organisms such as airborne bacteria Serratia Marcescens, which thrive in humid conditions. We know that people with weakened immune systems are so much more vulnerable to the illnesses associated with infection and let's face it, none of us go into the shower with an expectation that we might get sick. So how do we keep those shower walls clean? Well let's think big – BIG TILES. Porcelanosa have developed XXL Hygienic Ceramic Tiles that are 5 feet long - which means just one piece fits the wall of a shower or tub surround. XTONE Porcelain slabs are 10 feet high which means a floor to ceiling surface with no joints. Why does this matter? Well hygienic glaze will not harbor pathogen and surface impurities are easily removed to prevent build up – it is reassuring to know the evidence - INTERNATIONAL STANDARDS Test ISO 10545 - Resistance to Stains -  has determined these surfaces can be easily cleaned and the most difficult contaminants washed away, greatly reducing the need for aggressive chemicals. Think about this. When we unload our dishwasher our ceramic tableware is sparkling clean, sanitized and fresh to use - again and again. The principle is the same with large ceramic walls - So, when planning the shower surrounds for your facilities please reach out to Porcelanosa. The designer in you will love the incredible options and your specification will deliver the longest & best lifecycle value bar none.

The Margin of Error Has Vanished: What CRE Investors Should Be Watching Now Commentary on a conversation with John Chang, Senior Vice President and National Director, Research and Advisory Services, Marcus & Millichap   The New CRE Investment Mandate: Survive First, Then Thrive “The margin of error has narrowed to virtually zero.” This was John Chang's stark assessment of today's commercial real estate environment – an era marked by fragile capital markets, rising Treasury yields, policy instability, and speculative hangovers from a decade of cheap money. According to Chang, the headline playbook hasn't changed: keep leverage low, maintain reserves, underwrite for downside. But the stakes have changed. What used to be prudent is now required. Those who forget that, particularly those lulled by the long post-GFC bull run, risk extinction.   Cap Rates, Treasury Yields, and the Compressed Spread A central theme of our conversation is the vanishing spread between borrowing costs and asset yields. Cap rates have risen 100–200 bps depending on asset class and geography, but Treasury rates have risen more. That's compressed spreads, rendering most acquisitions reliant on a value-creation story or an eventual rate reversal.   Investors are still transacting, says Chang, but only if they believe they can bridge the spread gap through operational improvements i.e. leasing, renovation, management upgrades. Passive cap-rate arbitrage is no longer viable. “The potential for something to go wrong is high,” Chang warns, especially in a policy environment that remains erratic.   The Treasury Market's Imminent Supply Shock Chang outlines why he expects upward pressure on Treasury yields for the balance of the year – contrary to the market's general expectations of rate cuts. Key reasons: Federal Deficits: With a delayed budget, Treasury issuance has been running below historical norms. That's about to reverse, with $1–1.5 trillion in supply expected by October. Shrinking Buyer Base: The Fed is reducing its balance sheet. Foreign holders, especially China and Japan, are net sellers. Even traditional allies are showing less appetite, driven partly by frictions over U.S. trade policy. Trade Tensions: Tariffs of up to 145% on imports from China, EU saber-rattling, and a broad retreat from globalization are alienating the very buyers of U.S. debt. “People don't want to do us any favors right now,” Chang says. “That uncertainty alone elevates risk premiums.”   Normalcy Bias and the Myth of the Perpetual Up Cycle Chang pulls no punches on the market psychology underpinning risky underwriting in recent years. He describes a bifurcated investor landscape: Those who entered post-GFC and think 2–3% interest rates and infinite rent growth are normal. Veterans of the 1990s S&L crisis, the dot-com bust, or the GFC, who know better. What's striking is the lack of long-term data. Even Marcus & Millichap, he notes, only has robust CRE data going back to 2000. Without context, many have mistaken the tailwind-fueled 2010s as a standard baseline.   “We're back to old-world real estate,” Chang says. “Where you have to actually understand the property, the tenant mix, the microeconomics of location. The era of pure financial engineering is over.”   Lessons from the Pandemic and GFC: Underwrite for Downside, Not for Hype Chang recounts closing on an investment in April 2020 at the very onset of pandemic uncertainty. “What if we rent at breakeven?” he asked. If the answer was yes, he proceeded. That conservative approach worked then and still applies today.   The biggest blow-ups, he says, came from sponsors who: Modeled double-digit rent growth. Over-leveraged. Used floating-rate debt without hedges. Ignored capex and reserves. By contrast, Chang praises sponsors who locked in fixed debt, kept leverage under 65%, and stayed humble. “They're embarrassed to be earning 7% IRRs,” he jokes, “but in this climate, that's a win.”   Washout in the Syndication Space: Good Riddance? Perhaps most damning is Chang's commentary on the wave of underqualified syndicators who entered during the boom years.   “Thousands came in with no operating experience,” he says, pointing to the proliferation of coaching programs offering checklists instead of expertise. These new entrants mimicked industry language – AUM figures, fund manager titles – but often had no institutional track record or risk management skills.   Many of them, Chang believes, are now out or on their way out. And while some may return with hard-earned wisdom, he expects the flow of “tourists” into the syndication world to dry up for the foreseeable future.   Tailwinds Still Exist: But Only for the Well-Prepared Despite the short-term risks, Chang sees multiple long-term tailwinds: Demographics: Millennials are delaying homeownership, renting into their 40s and fueling demand for multifamily. Inflation Resistance: Assets like multifamily, self-storage, and even select retail have pricing power in inflationary environments. Constrained Supply: Rising costs (e.g., lumber, steel tariffs) are slowing new construction, which will support existing asset values over time. He also flags tax policy as a positive surprise: The “BBB” tax bill, now working its way through the House, offers accelerated depreciation and expansion of Opportunity Zones particularly in rural areas. This could buoy returns in an otherwise challenging environment.   On the Aging of America: A Selective Case for Healthcare-Adjacent Assets Chang views medical office and senior housing through a bifurcated lens: Medical office: Attractive if tenants are stable, young, or anchored by heavy equipment. Long leases. Minimal turnover. Durable income. Assisted living: Demographic tailwinds are real, but operators matter more than ever. The Achilles heel? Labor. “About 30% of healthcare workers in the U.S. are foreign-born,” he warns. “And immigration policy, especially under restrictive regimes, will constrain the labor supply.” No staff, no NOI.   Final Signals: What He's Watching Closely If you want to forecast CRE performance, Chang suggests watching: University of Michigan Consumer Sentiment: A leading indicator of retail sales and housing trends. Currently falling. Inflation-adjusted Retail Sales: Shows how real consumption is holding up. Trade Policy & Supreme Court Rulings: The potential invalidation of Trump-era tariffs could reset inflation and Treasury outlooks but introduces a new kind of uncertainty. “We're not facing one black swan,” he concludes. “We're facing a whole flock. Pick your bird.”   Bottom Line This is not a time for heroic assumptions. It's a time for competence, humility, and discipline. If you must deploy capital, do so with sponsors who have been through a major downturn GFC style, and focus on those who didn't make capital calls, who still generate yield, and who underwrite to reality, not to hope.   The next 2–3 years may be rocky. But the long term still belongs to those who survive the short term.   *** In this series, I cut through the noise to examine how shifting macroeconomic forces and rising geopolitical risk are reshaping real estate investing.   With insights from economists, academics, and seasoned professionals, this show helps investors respond to market uncertainty with clarity, discipline, and a focus on downside protection.    Subscribe to my free newsletter for timely updates, insights, and tools to help you navigate today's volatile real estate landscape. You'll get: Straight talk on what happens when confidence meets correction - no hype, no spin, no fluff. Real implications of macro trends for investors and sponsors with actionable guidance. Insights from real estate professionals who've been through it all before. Visit GowerCrowd.com/subscribe Email: adam@gowercrowd.com Call: 213-761-1000

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss "tip-flation."Buy our new book: The Good StewardSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss "Buy Now Pay Later."Buy our new book: The Good StewardSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss what faithful stewardship looks like in a cashless society.Buy our new book: The Good StewardSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC