Podcasts about advisory services

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

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.

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

In this episode of HFS Unfiltered Stories, Saurabh Gupta, President of Research and Advisory Services at HFS Research, chats with Gil Rosen, Chief Marketing Officer at Amdocs. They discuss Amdocs' bold move into broader IT services with the launch of Amdocs Studios. Gil explains how Amdocs is uniquely positioned to lead the emerging "services as software" revolution by leveraging its product-led heritage, deep R&D capabilities, and extensive experience in large-scale digital transformations.The conversation explores how Amdocs is working to transcend its telecom roots and redefine the future of IT services. Key discussion points include:Amdocs Studios Launch: Amdocs' strategic expansion beyond telecom into broader IT services, with a focus on digital transformation, cloud, and user experience.Leading Services as Software: How Amdocs' robust R&D foundation empowers it to lead the "services as software" movement.Rise of AI Agents: Amdocs' vision for the future of customer engagement through AI-driven agents and personality engineering.

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

The Canadian Gaming Association has been active for quite some time now in advocating for updates to anti-money laundering laws in our home and native land with the expansion of legal gambling. Dave Briggs addressed the topic at the beginning of the year with CGA boss Paul Burns, who said the uncertain political climate at that time most likely meant no movement until this fall. The CGA established a committee to continue moving ahead with its efforts to update the AML rules and regulations. The chair of that committee, Derek Ramm, was our guest on a new episode of the Gaming News Canada Show. Ramm, the Global Head of Advisory Services for Kinectify, knows AML like Corey Perry knows how to torment opponents, with a resume that includes stops with Canada's financial intelligence unit (FINTRAC), the Alcohol and Gaming Commission of Ontario, the Ontario Lottery & Gaming Corporation (OLG), and the Bermuda Casino Gaming Commission. He will appear on “The urgent need to modernize Ontario's AML framework” panel with moderator Amanda Brewer, FanDuel's Brian Terranova and Scott Hutchison of Heinen Hutchison Robitaille LLC at next week's Canadian Gaming Summit in the city below Aurora. Along with discussing Kinectify's role in identifying suspicious activity and working with stakeholders in Canada and the U.S., Ramm also answered our questions about the problems for operators in Ontario's open market when it comes to AML. That included a hacking escapade in 2024 that made it impossible for operators to file suspicious transaction reports to FINTRAC, and hiccups by iGaming Ontario on data collection and technology since the opening of the market in April 2022. Hosted on Acast. See acast.com/privacy for more information.

"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.

Episode four features Pushpendra Mehta and Paul Galloway, Senior Director of Advisory Services at Strategic Treasurer, discussing Process Mindset. Listen in for valuable insights. You can access the ebook Leading Practices in Treasury or its audiobook version by visiting: https://strategictreasurer.com/ebook-leading-practices-in-treasury/?utm_source=STEBKpage Alternatively, you can watch the video version of the ebook here: https://www.youtube.com/watch?v=XJotnXwxIvw

We got a thoughtful question from Amanda last week, who said: ‘I've been saving for retirement, but I've never actually made a plan.' And she's not alone. There are plenty of people who've built solid savings but haven't connected the dots to what retirement will actually look like. So today, we're talking about the first steps to turn good saving into a great retirement plan.   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.

Welcome to AI Lawyer Talking Tech. Today, we delve into the transformative impact of artificial intelligence on legal practice. With AI adoption soaring among legal professionals, from just 19% in 2023 to 79% in 2024 according to one report, many firms are embracing new tools to enhance efficiency and service. AI is being integrated into various facets of legal work, automating repetitive tasks, aiding legal research, reviewing documents, assisting with drafting, and even managing aspects of litigation. These applications promise benefits like increased speed, reduced errors, and freeing lawyers to focus on providing high-quality advice and building client relationships. However, as AI becomes more integrated, it introduces critical considerations around accuracy and the need for lawyers to maintain their professional responsibility by verifying AI-generated content and ensuring compliance. This era of rapid change and opportunity is a central theme in legal tech discussions, evident at recent events like the ABA Techshow, where "Everything AI" was pervasive, and the Legal Innovators California conference, exploring the cutting edge of legal AI and innovation. Join us as we explore these developments and the evolving landscape of law practice in the age of AI.Anthropic Sued by Reddit for Unauthorized Use of AI Training Data04 Jun 2025Win BuzzerWe're Live, the Real Lawyers Podcast—First Guest is John Corey of Greentarget04 Jun 2025Real Lawyers Have BlogsLinklaters expands use of Opus 2 AI to boost litigation teams Today04 Jun 2025IT Brief UKEpiq Combines Epiq AI Discovery Assistant™ Capabilities With Global Investigations and Consulting Expertise04 Jun 2025Epiq SystemsOverwhelmed by AI? Lawyers turn to specialists to help power up their practices04 Jun 2025ABA JournalWhy A Culture Of Innovation Drives Impact For Law Firms04 Jun 2025Above The LawCLO and CFO: The essential strategic alliance04 Jun 2025Thomson ReutersJudge Rules AI Chatbot Is Not Protected by First Amendment in Teen Suicide Case04 Jun 2025Breitbart.comArtificial intelligence to initiate and manage litigations after ‘landmark' approval04 Jun 2025Computer WeeklyFive Years After Reform: Stanford Study Offers Comprehensive Look at Legal Innovation in Arizona and Utah04 Jun 2025LawSitesLegal Tech Veterans Launch LegalTech Connect, A Platform To Drive Connections through Events, Advisory Services, and Resources04 Jun 2025LawSitesPerplexity To Provide ‘Legal Help' Directly From LegalZoom04 Jun 2025Artificial LawyerBig Bang Theory Actor Launches Consumer ‘Legal' App04 Jun 2025Artificial LawyerThe Rise of Digital Law Firms: How Technology is Transforming Legal Services04 Jun 2025Lawyer MonthlyHow Wason Male & Wagland is transforming legal services with LEAP's AI tools04 Jun 2025Legal FuturesWebinar: Discover the AI assistant transforming legal workflows04 Jun 2025IManage.comABA Techshow: Takeaways from the 40th Anniversary Event04 Jun 2025Wisconsin Lawyer MagazineWhy Your Legal Team Deserves Better Tools in 202504 Jun 2025MatterSuiteLegal Innovators California is Next Week!04 Jun 2025Artificial LawyerProduct Walk Through: BRYTER – Beamon AI04 Jun 2025Artificial LawyerThe ‘Associated' Power Play: Monetizing Undervalued Natural Gas Resources to Fuel Hyperscale Data Centers04 Jun 2025Bracewell LLPAnother Important Beware-AI Case for Lawyers: Ko v. Li [Alert]04 Jun 2025Cozen O ConnorTexas App Store Accountability Act Ushers in Sweeping Age-Verification Mandates04 Jun 2025OMelveny & Myers LLPAI Moratorium, Bulk Data Controls, and Enforcement Trends04 Jun 2025Hinshaw & Culbertson LLPLexis+ AI Fuels $30M Revenue Growth in Law Firms, New Study Finds Independent study shows how Lexis+ AI drives 344% ROI in 3 years, provides law firm competitive advantages, and even increases attorney work-life balance.03 Jun 2025Legal Reader

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

Are you ready to retire as a federal employee? In this video, Benchmark Financial Group shares essential steps for federal employees to navigate their federal retirement process with confidence. From understanding federal benefits to planning your retirement income, this session covers critical topics like retirement paperwork timelines, federal pensions, processing delays, annuity payments, and managing TSP funds effectively for financial independence.Don't leave your financial future to chance. Contact Benchmark Financial Group today for personalized assistance and expert guidance on federal retirement and financial planning. Together, we'll develop a plan to help you retire with peace of mind.————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 of convenience 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 that 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 https://www.linkedin.com/company/benchmark-financial-group-llc/ orFacebook at 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.

Summer should bring joy, not financial stress. Yet most Americans find themselves spending an extra $2,000 during these sunny months—not on planned vacations, but on the accumulation of small expenses that quickly snowball.In this practical financial guide, we dive into the major "summer budget busters" that threaten your financial health: unexpected travel costs, children's activities while school's out, skyrocketing utility bills, and the constant stream of social events. Rather than avoiding summer fun altogether, I share actionable strategies to plan ahead and create what I call a "Fun Fund"—a dedicated savings approach that allows for spontaneity without the regret of post-summer credit card debt.Discover creative alternatives that maximize enjoyment while minimizing costs. From community concerts and strategic potlucks (like my friend's brilliant paella party solution) to house-swapping and becoming a tourist in your own region, there are countless ways to create meaningful summer experiences without breaking the bank. I challenge listeners to try the "$100 weekend" competition with friends—who can create the most memorable experience on a limited budget?The key takeaway isn't about spending less; it's about spending smarter. By planning ahead, focusing on value rather than cost, and being intentional with your summer dollars, you can create lasting memories without the financial hangover. Because your summer experiences will be much sweeter without a lingering credit card balance following you into fall. Ready to transform your approach to summer spending? Listen now and set yourself up for both fun and financial health this season. 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 Business Ninjas, Andrew Lippman sits down with Jay Jung, founder and principal of Embarc Advisors, a boutique investment banking and M&A advisory firm serving the middle market. With a background at Goldman Sachs and McKinsey, Jay has worked on major deals like Yahoo's sale to Verizon and MuleSoft's acquisition by Salesforce. Now, he's bringing that elite-level execution and insight to 7- and 8-figure mergers and acquisitions for founders and private businesses across industries—from SaaS and healthcare to industrials and business services.Embarc Advisors is flipping the traditional investment banking model on its head. Instead of commission-based success fees, they operate on a transparent hourly billing model, helping clients plan and optimize their exits months or even years in advance. Their fully remote team offers CFO services, quality of earnings reports, and end-to-end deal support. Embarc's industry-agnostic approach allows them to bring unique insight across verticals, creating higher ROI and less friction throughout the M&A process. It's no surprise they've been named to Axial's Top 25 Middle Market Investment Banks.

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

When markets take a nosedive, does your anxiety spike? In this enlightening episode of Better Financial Health in 15 Minutes or Less, we tackle the question every investor faces during turbulent times: should you worry when the market dips, or should you just chill?The answer might surprise you. Drawing on decades of market history, I explain why corrections (10% drops) happen approximately every 18 months, yet only two out of ten years typically end with negative returns. This disconnect between how markets feel and how they actually perform over time creates a psychological challenge for even the most disciplined investors.We explore the dramatic case study of 2020's market—starting strong with nearly 5% gains, plummeting 34% during the COVID panic, yet finishing the year up an impressive 18%. This roller coaster perfectly illustrates why making emotional decisions during market downturns can derail otherwise solid financial plans. I share a real client example of how patience during market turbulence not only preserved wealth but created unexpected opportunities for enjoyment later.Most importantly, you'll learn a practical framework for assessing whether market anxiety should trigger action. Has your time horizon changed? Has your risk tolerance shifted? Do you need the invested money within five years? If not, the best move is often no move at all. Remember my favorite saying: "The market is not a mood ring." It doesn't reflect our daily emotions, and successful investing requires looking beyond temporary fluctuations toward your long-term financial goals.Ready to transform your relationship with market volatility? Listen now and discover how to find calm amidst financial turbulence. Share this episode with someone who might be feeling market anxiety—they'll thank you when the inevitable recovery arrives! 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®, 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

Ready for summer vacation? So are scammers. This episode tackles the sophisticated travel booking scams that peak between April and July, threatening to turn your dream getaway into a financial nightmare.Discover how fraudsters create convincing replicas of trusted sites like Airbnb, VRBO, and major travel booking platforms. We expose their tactics—from urgency-creating emails to fake listings with copied photos—and provide practical safeguards anyone can implement. The simple 60-second check I share could save your entire vacation and thousands of dollars.We explore the red flags that signal potential fraud, like requests for gift card payments or wire transfers instead of credit cards. Learn why booking directly through official websites by manually typing URLs offers crucial protection, and why performing reverse image searches on property photos could reveal scams before you lose money.This episode provides special guidance for protecting vulnerable populations, particularly older adults who may not recognize subtle differences between legitimate and fraudulent websites. The practical strategies shared work for both domestic and international bookings, ensuring you can enjoy wonderful vacation experiences while avoiding the increasingly sophisticated scams targeting travelers.Take a moment to share this episode with friends and family planning summer trips—especially those who might be more vulnerable to these schemes. And remember: if a travel deal seems too good to be true, it probably is. Subscribe for more practical financial protection strategies delivered in 15 minutes or less! 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 thing about assassins in the real world is that they're sneaky and you don't see them coming. And the assassins in the retirement planning world are exactly the same way. Let's talk about some of the retirement assassins that can destroy your retirement if you're not on guard.   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® and Tyler Rutherford ask Pastor Drew Gysi questions about financial stewardshipBuy 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

Ever wondered why your bank account seems to drain faster than it should? The culprit might be hiding in plain sight—those "convenient" auto-pay subscriptions.Today I dive into the sneaky world of subscription price creep, where that $50 internet bill quietly becomes $90, and that $10 car wash membership quadruples after the promotional period ends. Companies like Xfinity/Comcast have mastered the art of the promotional rate bait-and-switch, counting on our busy lives and inattention to boost their profits at our expense.The problem isn't just limited to streaming services—though Netflix has certainly had its share of price hikes. The issue extends to internet providers, cell phone plans, gym memberships, newspaper subscriptions, and even car wash services. These companies typically notify you of price increases on the same day they debit your account, giving you virtually no time to respond before the money's gone.The good news? You don't have to be a victim of this corporate strategy. I share my personal experiences with Sirius XM and The New York Times, where simply calling to cancel resulted in maintaining my original promotional rate. The key is vigilance—setting calendar reminders for when promotional periods end, regularly reviewing your statements, and being willing to make that five-minute phone call that could save you hundreds of dollars annually.Take the 30-minute challenge this weekend: audit your subscriptions, identify the price creepers, and renegotiate your rates. Then share how much you saved by commenting on our social media. Your wallet will thank you, and you might just inspire others to reclaim their financial power from subscription creep. 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.

Welcome back to the Alt Goes Mainstream podcast.Today's episode is with someone who is an expert on the RIA market and the wealth management business model.We talk with Karl Heckenberg, the President & Managing Partner of Constellation Wealth Capital, an investment firm that recently closed on a $1B debut fund dedicated to providing differentiated, long-term capital solutions to well-positioned independent wealth management firms in the $8T and growing wealth management sector.Karl's deep experience in wealth management as both an investor, from his time as the CEO of Emigrant Partners and its affiliated company, Fiduciary Network, and time on the advisor side at Merrill Lynch, A.G. Edwards & Sons, Wells Fargo, and Charles Schwab, puts him in a position to understand the inner workings of wealth management businesses. He's also sat on the boards of Sarasota Private Trust Company, New York Private Trust Company, and Cleveland Private Trust Company, and is currently on the board at Alternative Fund Advisors.CWC has made investments into some of the industry's leading wealth management firms, including AlTi Global, Cresset Partners, AlphaCore, Lido, and others.Karl and I had a fascinating conversation about the evolution of the wealth management industry and why it's become such an attractive investment opportunity. We discussed: The intricacies of business growth and serving clients.Why private markets are such a critical component to differentiating a wealth management firm.Why we'll see a $1T independent wealth management business in the coming years.The parallels between the business evolution of alternative asset managers and wealth managers.Thanks Karl for coming on the show to share your wisdom and expertise at the intersection of wealth management and private markets.Subscribe to Alt Goes Mainstream to receive the weekly newsletter every Sunday and all of AGM's podcasts.A word from AGM podcast sponsor, Ultimus Fund SolutionsThis episode of Alt Goes Mainstream is brought to you by Ultimus Fund Solutions, a leading full-service fund administrator for asset managers in private and public markets. As private markets continue to move into the mainstream, the industry requires infrastructure solutions that help funds and investors keep pace. In an increasingly sophisticated financial marketplace, investment managers must navigate a growing array of challenges: elaborate fund structures, specialized strategies, evolving compliance requirements, a growing need for sophisticated reporting, and intensifying demands for transparency.To assist with these challenging opportunities, more and more fund sponsors and asset managers are turning to Ultimus, a leading service provider that blends high tech and high touch in unique and customized fund administration and middle office solutions for a diverse and growing universe of over 450 clients and 1,800 funds, representing $500 billion assets under administration, all handled by a team of over 1,000 professionals. Ultimus offers a wide range of capabilities across registered funds, private funds and public plans, as well as outsourced middle office services. Delivering operational excellence, Ultimus helps firms manage the ever-changing regulatory environment while meeting the needs of their institutional and retail investors. Ultimus provides comprehensive operational support and fund governance services to help managers successfully launch retail alternative products.Visit www.ultimusfundsolutions.com to learn more about Ultimus' technology enhanced services and solutions or contact Ultimus Executive Vice President of Business Development Gary Harris on email at gharris@ultimusfundsolutions.com.We thank Ultimus for their support of alts going mainstream.Show Notes00:00 Introduction to our Sponsor, Ultimus Fund Solutions01:18 Podcast Opening Theme01:57 Introduction to Today's Guest: Karl Heckenberg03:57 Karl Heckenberg's Background and Career Journey06:10 Early Days of Wealth Management07:41 Post-GFC Evolution of RIAs08:59 Understanding the Independent Wealth Management Space10:15 Growth and Scale in Wealth Management12:17 Challenges and Opportunities in Wealth Management15:02 Importance of Client Experience19:34 Investment Strategies in Wealth Management20:07 Ownership and Equity Distribution20:54 Minority vs. Control Investments23:08 M&A in Wealth Management23:23 High-Quality Firms and Client Experience23:59 Capital Needs and Growth24:55 Advisory Services and Value Addition25:32 Comparisons with GP Stakes27:39 Durability and Resilience of Wealth Management Firms29:08 Exit Strategies and Public Market Potential29:40 Valuations and Capital Providers31:46 Future of Public Market Exits34:24 Compounding Growth and Returns35:05 Distribution and Liquidity35:34 Investment Grade Assets and Equity Returns35:47 Answering Key Investment Questions36:38 Investor Concerns and Market Dynamics36:59 Investment Buckets and Flexibility37:25 Private Wealth vs Institutional Investors38:02 Network Effects and Synergies38:27 Hesitations and Value Add of Constellation39:13 Collaborative Best Practices39:43 LP Side and Fundraising Timing40:08 Understanding the Wealth Channel40:24 Retail Distribution and Success Strategies41:05 Product Structuring and Client Diversification41:19 Impact of Technology on Wealth Management42:26 Importance of Private Markets Knowledge43:44 Diversification and Institutional Approach44:52 Challenges and Opportunities in Private Markets46:20 Advisors' Education and Differentiation48:26 Balancing Customization and Scalability49:32 Operational Efficiency and Retail Products51:16 Listening to Wealth Channel Needs51:30 Yield-Oriented Products and Diversification53:28 Educational Resources and Client Engagement54:14 Growth of Wealth Channel and Private Equity55:50 Consolidation and Future of Wealth Space58:35 Succession Planning and Client Experience01:04:37 Future of Wealth Management and Private Markets01:06:05 Closing Thoughts and Future Predictions Editing and post-production work for this episode was provided by The Podcast Consultant.

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford reflect on the impact of Life Institute's Stewardship Lifestyle Seminars.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

In this episode, Paul Galloway discusses the importance of strong bank relationships for treasurers. From credit and capital access to strategic advisory services, he explores how share-of-wallet, communication, and scorecards can help companies align with the right banking partners. Why does relationship strength matter, and how can it impact growth initiatives? Tune in to find out. Download or listen to the eBook here

In this episode, Paul Galloway discusses the importance of strong bank relationships for treasurers. From credit and capital access to strategic advisory services, he explores how share-of-wallet, communication, and scorecards can help companies align with the right banking partners. Why does relationship strength matter, and how can it impact growth initiatives? Tune in to find out. Download or listen to the eBook here

Rising prices at the grocery store got you down? You're not alone. The good news is that the arrival of spring and summer offers perfect timing to adopt some practical strategies that can help you combat inflation while actually improving your diet.Local food sources are your secret weapon in the battle against high prices. Farmer's markets are springing up everywhere, offering fresh produce that hasn't traveled thousands of miles to reach your table. Roadside farm stands provide another alternative, typically offering better prices than supermarkets for just-picked fruits and vegetables. The nutritional benefits are substantial too – study after study confirms that less processed food leads to better health outcomes. Who doesn't want to save money while getting into better shape for summer?Growing your own food might sound intimidating, but starting small with herbs or a few vegetable plants can be surprisingly affordable and satisfying. Seeds cost mere pennies compared to store-bought produce, and there's nothing quite like harvesting something you've grown yourself. I've noticed more friends raising backyard chickens lately too – fresh eggs with deeper yellow yolks and better flavor, often at lower cost than store prices. Did you know unwashed eggs don't even need refrigeration? Just one of many food facts that can change how you shop and save.Modern couponing has evolved. Forget clipping paper – digital discounts through apps like Kroger's or Amazon Prime (for Whole Foods) offer substantial savings with minimal effort. The key is buying only what you actually need when it's on sale, rather than purchasing unnecessary items. And don't underestimate the financial impact of bringing lunch from home instead of eating out. These small changes add up to significant savings over time.Financial markets, like gardens, have their seasons of growth and dormancy. As we weather current economic uncertainties, remember that patience is essential. Some days are sunny, others cloudy – the key is maintaining perspective and staying the course. Want more practical financial wellness tips delivered in 15 minutes or less? Subscribe to Better Financial Health for weekly insights that help you thrive no matter what the economy throws your way. 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.

Unlock the secrets to maximizing your federal pension and retirement income with Benchmark Financial Group. In this comprehensive webinar, we dive into essential strategies for federal employees, exploring your FERS pension, TSP, Social Security, and how to align these benefits for a secure future. Learn about critical retirement milestones, cost-of-living adjustments, survivor benefits, and how to navigate early retirement options. Gain clarity on making informed decisions to achieve financial independence.Benchmark Financial Group offers expertise in federal retirement planning. Our customized analysis helps you create a financial strategy tailored to your unique goals, ensuring a smooth transition into retirement.Whether you're weighing the pros and cons of early retirement, looking to optimize your income streams, or planning for long-term financial security, this video is your guide. Ready to take control of your federal benefits and secure your financial future? Contact Benchmark Financial Group today for personalized assistance and start your journey toward retirement confidence.#tsp #socialsecurity #navigatingretirement #annuity #financialeducation————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 of convenience 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: https://www.linkedin.com/company/benchmark-financial-group-llc/Facebook: https://www.facebook.com/BenchmarkFinancialGroupLLCBenchmark is located at 9300 W. 110th St., ⁠⁠⁠⁠⁠#160⁠⁠⁠⁠⁠, Overland Park, Kansas 66210. You can contact Benchmark Financial Group by visiting the website at ⁠⁠⁠⁠⁠https://bfgkc.com⁠⁠⁠⁠⁠, calling at 913.227.4224, or emailing David at david.raetz@bfgkc.comSecurities 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.

In this episode of Accountants Minute Podcast, Peter Towers explores how accountants, bookkeepers, and business advisors can respond to the mounting pressures faced by SME clients—and their own firms. With compliance services rapidly evolving and advisory opportunities expanding, Peter outlines how the ESS BIZTOOLS Starter Package equips you to become a virtual CFO, deliver ongoing commercial insights, and support clients through financial forecasting, R&D, charge-out rates, and more. If you're ready to move beyond tax returns and help businesses truly thrive, this episode is your roadmap to getting started. 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 top budgeting mistakes we see at our seminars.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

Get your copy of The Good Steward today!Buy on AmazonGet one for yourself and one for a friend!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 financial markets have been experiencing dramatic swings lately, leaving many investors confused and concerned. What's driving this volatility? It all started when comments about potentially firing Federal Reserve Chairman Jerome Powell sent markets tumbling, highlighting the critical importance of Fed independence in our financial system.At the heart of this turmoil lies a fundamental tension between politics and economic policy. The Federal Reserve operates with a dual mandate - maintaining full employment while controlling inflation. Since recognizing inflation wasn't just a temporary post-pandemic phenomenon, the Fed has aggressively raised rates, creating friction with an administration concerned about consumer costs. This standoff between government priorities and central bank independence has markets on edge.Proposed tariffs have further complicated the situation. While the idea of manufacturing more products domestically sounds appealing, the reality is more complex. Many goods are imported because they're produced more cost-effectively overseas, even after shipping costs. Some products - from semiconductors to certain agricultural goods - simply can't be manufactured domestically at the scale we need. Our global supply chains have evolved to optimize efficiency and keep consumer costs down. Disrupting these networks through significant tariffs would ultimately function as another tax on consumers, driving prices higher at a time when many households are already feeling financial pressure.The market's wild swings reflect this uncertainty. As headlines change and statements get walked back, prices fluctuate dramatically. The wisest approach? Don't get caught in the daily noise. Markets react and overreact to news, often reversing course quickly as new information emerges. Focus instead on your long-term financial goals and remember that throughout history, markets have always faced periods of uncertainty - and have consistently demonstrated resilience over time. Have questions about how these economic forces might affect your financial plan? Reach out today for a conversation about navigating these challenging times with confidence. 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.

Understanding what it really means for a nonprofit to be financially successful—and no, it's not just about the size of your bank account. Beth Larsen, VP of Client Accounting and Advisory Services at JMT Consulting, explains.Financial success, Beth explains, is fundamentally about “whether or not you have the resources to fulfill your mission effectively.” It's a mindset shift from passive accounting to active financial management, where success is defined by the ability to match your assets to your mission-driven activities.Beth digs into how nonprofits can and should assess their financial health by tracking three core metrics: monthly operating results, available unrestricted cash, and current ratio. She emphasizes that these metrics aren't just nice-to-have—they're essential to making real-time strategic decisions and maintaining stability in uncertain economic times.“Most nonprofits are dealing with demand that far exceeds available resources,” she shares. “That means decision-making must be rooted in data and aligned with mission, not just money.”The conversation moves from theory to practice, with Beth advocating for a solid financial foundation built on clean data, clear processes, and internal discipline. She outlines actionable best practices like having written financial procedures, separation of duties, automated systems, and integrated budget planning that includes development and operations.Host Julia Patrick and Beth also reflect on their past experiences during the 2008 recession—where both faced impossible decisions around shelter programs and fundraising gaps—and draw relevant lessons for today's leaders.Whether your nonprofit is flying blind with checkbook accounting or wrestling with boardroom fear around financial topics, Beth's calm, strategic approach lights a clear path forward. Her message is both urgent and empowering: “You can't afford not to do this work.”Timestamps:00:00:00 – Welcome and Introduction to Beth Larsen 00:03:44 – What Financial Success Really Means for Nonprofits 00:05:19 – Navigating Resources vs. Demand in Tough Times 00:08:39 – Best Practices: Build a Financial Foundation 00:10:42 – Budget Strategy and Data Categorization 00:13:33 – How Strong Systems Reduce Fear and Confusion 00:17:10 – Balancing Mission with Financial Realities 00:20:38 – The Three Key Metrics You Must Track 00:24:26 – Moving From Checkbook Management to Smart Strategy 00:26:10 – Improving Communication Around Financials 00:28:52 – Finance as a Journey, Not a Checklist 00:30:12 – Innovate 2025 Conference Preview #NonprofitFinance #MissionDrivenData #StrategicStewardship Find us Live daily on YouTube!Find us Live daily on LinkedIn!Find us Live daily on X: @Nonprofit_ShowOur national co-hosts and amazing guests discuss management, money and missions of nonprofits! 12:30pm ET 11:30am CT 10:30am MT 9:30am PTSend us your ideas for Show Guests or Topics: HelpDesk@AmericanNonprofitAcademy.comVisit us on the web:The Nonprofit Show

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss how to "DOGE" your budget.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

CFO advisory services are the key to building a firm that not only generates higher revenue but also sets you up for a profitable exit. In this episode, Michelle Weinstein sits down with former accountant-turned-entrepreneur Adam Lean, the co-founder of The CFO Project, who has helped countless firm owners shift from compliance work to high-value advisory services. Michelle and Adam break down the strategies that can help accountants price their services correctly, avoid burnout, and build a scalable, sellable firm. If you've ever wondered how to stop trading time for money and start building a firm that works for you, this episode is a must-listen.

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss questions to ask when hiring a financial advisor. See 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® and Tyler Rutherford Talk about recent market swings, tariffs, and what to do next.Buy our new book: The Good StewardLearn 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

What if the secret to success wasn't about climbing the ladder faster but stepping back with intention? In this powerhouse episode of Secrets to Abundant Living, Amy Sylvis sits down with Sagar Patel—entrepreneur, healthcare leader, and abundance advocate—who shares how being grounded in gratitude and self-awareness has led him to build a thriving business while making a massive impact on his community. Sagar's story is rich with life lessons, from his humble beginnings as the first American-born in his immigrant family to founding a company that helps startups scale with soul. Hear how rewiring your mindset, serving others, and embracing imperfection can unlock abundance in all areas—from revenue relationships.Whether navigating a career pivot, launching something new, or simply seeking meaning beyond money, this episode is your permission slip to live boldly and generously.Connect with Sagar Patel:Website: https://www.oceancalm.co/LinkedIn: https://www.linkedin.com/in/sagar-patel-01/Instagram: https://www.instagram.com/sagarpatel01/Youtube: www.youtube.com/@OceanCalm01Connect with Amy Sylvis:https://www.linkedin.com/in/amysylvis/Contact Us:https://www.sylviscapital.comhttps://www.sylviscapital.com/webinar00:00 Self-Awareness and Personal Growth01:19 Meet Sagar Patel03:25 Defining Abundance09:23 Career Journey and Lessons Learned14:29 Entrepreneurial Ventures20:22 Embracing Abundance and Breaking Free from the System20:53 Launching Ocean Kong and Building a Team21:13 Challenges and Solutions for Startups21:39 Fractional Growth Leadership and Investment Fund24:14 Advisory Services and Personal Growth26:32 The Importance of Wiring and Mindset30:21 Philanthropy and Family Influence34:19 Meals on Wheels and Community Service35:03 Balancing Capitalism and Personal Life36:52 Final Thoughts on Abundance and Personal Growth

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss whether or not Social Security will be around when you need it.Preorder our new book, The Good Steward. See 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

Market turbulence can shake even the most steadfast investors, and the recent plunge triggered by Trump's tariff announcements has certainly tested our collective financial resolve. What began as market jitters has escalated into a significant correction, erasing twelve months of gains in mere days. The unexpected breadth of these tariffs—targeting not just trade adversaries but allies like Canada, Japan, and Mexico—has created widespread concern about their impact on global supply chains and consumer prices.When markets plummet 10% in two days, our natural human tendency is to project that downward trend indefinitely into the future. Yet this psychological quirk rarely serves us well in financial decision-making. History consistently demonstrates that market overreactions create opportunities for disciplined investors. Whether we look back to Black Monday in 1987, the financial crisis of 2008-2009, or the pandemic-induced crash of 2020, the pattern remains remarkably consistent—those who maintained their positions and continued investing during downturns were rewarded within a year's time.The real-world implications of these tariffs extend far beyond abstract market indices. As The Wall Street Journal recently highlighted, the production cost of an iPhone could jump from $580 to nearly $900 under the proposed tariff structure. This stark example illustrates why investors are rightfully concerned. However, proper portfolio planning anticipates these market disruptions. For those taking regular distributions, funds were likely already secured in February, safely earning interest above 4% in money market accounts. Fixed income investments have actually appreciated as interest rates declined. And for taxable accounts, this volatility creates valuable tax-loss harvesting opportunities. Remember that worry has never improved a single investment outcome—your financial journey continues beyond this moment of uncertainty, just as ocean tides reliably return after receding from shore. What steps will you take to maintain perspective during this challenging market environment? 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 episode, I sit down with Gretta Rusanow, Head of Law Firm Group Advisory Services for Citi Global Wealth at Work, to break down the findings of the 2025 Citi Hildebrandt Client Advisory. This annual report is one of the most closely watched analyses in the legal industry, providing insights on market trends, firm growth strategies, and the evolving business model of law firms. We explore some of the biggest challenges and opportunities law firms are facing, including the slow but inevitable adoption of generative AI, shifting leverage models, the expansion of non-equity partner tiers, and how firms are approaching lateral hiring in an increasingly competitive market. If you're a law firm leader, an aspiring partner, or simply want to stay ahead of where the legal industry is headed, this episode is packed with valuable insights. At a Glance: 00:00 Introduction: The Future of Big Law  01:20 Overview of the Citi Hildebrandt Client Advisory and its influence on law firm strategy 04:03 How law firms are responding to generative AI and why spending remains low 08:20 The challenge of recouping AI investment costs while maintaining profitability 10:46 How AI may reshape associate leverage models and impact billing structures 16:07 The role of lateral partner hiring and why success rates remain modest 20:56 The rise of the non-equity partner tier and its impact on law firm economics 27:21 The risks of an overgrown income partner tier and how firms can manage it effectively 30:51 Growth markets and law firm consolidation trends in 2025 A Few Takeaways: Generative AI Adoption Is Slow, But Inevitable: Despite all the buzz, law firms spent less than 1% of their revenue on generative AI tools in 2023. Firms are still in the assessment phase, but large-scale investment is coming. Those that successfully integrate AI will need to balance efficiency gains with sustainable billing models. Leverage Models Will Shift, But Not Disappear: While AI may reduce the need for first- and second-year associates to perform certain tasks, firms are more likely to reshape their leverage models than abandon them. Many firms expect a shift toward mid-level and senior associates who can refine AI-generated work rather than a dramatic cut in junior hiring. Lateral Hiring Is a Gamble: The success rate of lateral hires remains low, with many firms finding that promised books of business don't always materialize. Firms that succeed in lateral hiring have rigorous integration strategies, ensuring new partners are fully embedded in firm culture and client relationships. The Non-Equity Partner Tier Is Expanding for Retention: More firms are embracing the income partner model as a way to retain senior associates who might otherwise leave. While this strategy can strengthen talent pipelines, firms must carefully manage this tier to avoid the inefficiencies seen in past decades. Market Consolidation Is Expected to Continue: The cost of running a law firm is rising, from AI investments to partner compensation. In an environment of modest demand growth, firms will increasingly turn to mergers and strategic consolidation to remain competitive, particularly in high-cost legal markets like New York, California, and London. Rate, Review, & Follow on Apple Podcasts & Spotify Do you enjoy listening to Big Law Life?  Please consider rating and reviewing the show! This helps support and reach more people like you who want to grow a career in Big Law.  For Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, if you haven't done so already, follow the podcast here!  For Spotify, tap here on your mobile phone, follow the podcast, listen to the show, then find the rating icon below the description, and tap to rate with five stars. How to reach Gretta Rusanow: gretta.rusanow@citi.com Interested in doing 1-2-1 coaching with Laura Terrell? Or learning more about her work coaching and consulting? - here are ways to reach out to her: www.lauraterrell.com  laura@lauraterrell.com   LinkedIn: https://www.linkedin.com/in/lauralterrell/  Instagram: https://www.instagram.com/lauraterrellcoaching/  Show notes: https://www.lauraterrell.com/podcast  

Financial Advisor Tim Russell, CFP® and Tyler Rutherford discuss a quote from R.C. Sproul that made us stop in our tracks.Preorder our new book, The Good Steward.See 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

In this episode, Mo and Paul discuss the evolving landscape of advisory services in the context of AI and technology. They explore how AI tools like ChatGPT are being integrated into client interactions, the importance of maintaining a human element in advisory roles, and the future implications for professionals in the industry. The conversation highlights the need for advisors to adapt to changing client expectations and the potential for AI to enhance, rather than replace, the advisory relationship.AI is becoming increasingly efficient in client interactions.Advisors must focus on implementation, not just information.The human element in advisory services remains crucial.Clients are using AI for financial advice more frequently.Advisory roles will evolve with technology advancements.AI can serve as a valuable tool for advisors.Understanding client needs is essential in a tech-driven world.The pace of change in the industry is accelerating.Advisors should embrace AI to enhance their services.Starting to use AI tools can lead to significant efficiencies.

Financial Advisor Tim Russell, CFP® and Tyler Rutherford discuss stewardship lessons from an odd engagement, found in Genesis 24.Preorder our new book, The Good Steward. See 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® and Tyler Rutherford discuss how to win the war against Money Dysmorphia.See 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 InstituteStewardship Seminars 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