Podcasts about AIF

Bonds Continue to Demonstrate Their Value While much of the attention has centered on stocks, the bond market has quietly delivered strong performance over the past two years. Bonds remain an important component of diversified portfolios because they help reduce risk, generate income, and provide stability during periods of market uncertainty. Since October 19, 2023, the total returns across the 11 major bond indices have been notably strong. That date marked the recent peak in the 10-year Treasury yield, which closed at 4.99%. Since then, Treasury yields have fluctuated significantly, falling to 3.62% in September 2024 before climbing back to approximately 4.5% in July 2026. Even with those fluctuations, today’s yield remains below the 2023 peak. Because bond prices generally move in the opposite direction of yields, declining benchmark yields have supported positive returns across much of the fixed income market. Several bond sectors have produced returns exceeding 20% during this period. Looking ahead, inflation and Federal Reserve policy will continue to play an important role in bond performance. Monitoring these factors will help determine how bonds continue to support clients’ long-term investment strategies. Inflation Shows Encouraging Signs of Normalization The latest Consumer Price Index (CPI) report provided an encouraging surprise. Monthly CPI declined by 0.4%, meaning prices actually fell during the month. This is significant because inflation discussions often focus on prices increasing at a slower rate rather than prices declining outright. Typically, inflation “coming down” simply means prices are still rising, but at a slower pace. This latest report was different. Consumers experienced actual price declines, something not seen on a monthly basis since the COVID era and a relatively rare occurrence over the past decade. Much of the decline was driven by lower gasoline prices following easing energy markets after geopolitical tensions earlier in the summer. Although oil prices have recently moved higher again, they remain well below previous peaks, suggesting that the recent decline may represent what a more normalized energy environment could look like. Perhaps even more encouraging was the strength of consumer spending. Retail sales increased by 0.22% during the same month that prices declined. When adjusted for lower inflation, consumers effectively purchased approximately 0.62% more goods and services than the previous month. This is an important distinction. During periods of rising energy prices, households often spend more filling their gas tanks while reducing purchases elsewhere, a phenomenon economists call demand destruction. Instead, the latest data indicates consumers continued spending across the broader economy while benefiting from lower prices. Although one report does not establish a long-term trend, the combination of falling prices and healthy consumer demand offers a positive glimpse into how the economy could perform as inflation continues to moderate. The outlook remains favorable for consumers, financial markets, and interest rates if this broader normalization continues. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Feeling Richer? first appeared on Fi Plan Partners.

With thousands of publicly traded companies to choose from, identifying quality investment opportunities requires more than simply following headlines or popular trends. In this week’s episode of Educational Insights, Bobby Norman shares the structured approach our Portfolio Strategies Team uses to evaluate individual stocks, from understanding a company’s business model and financial health to assessing valuation, leadership, industry trends, and potential risks. Whether you’re an experienced investor or simply curious about how investment decisions are made, this behind-the-scenes look offers valuable insight into our disciplined investment process. Watch to learn more. Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this recording are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services. LPL Financial doesn't provide research on individual equities. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Analyzing Individual Stocks first appeared on Fi Plan Partners.

In this episode, Miguel Gonzalez discusses why financial flexibility is one of the most valuable qualities of a successful financial plan. Learn how adaptable budgeting, emergency savings, periodic investment reviews, and evolving financial goals can help you navigate life's unexpected changes with greater confidence.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#FinancialPlanning #FinancialFlexibility #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #MoneyMindset #PersonalFinance #Budgeting #RetirementPlanning #FinancialFreedom #EmergencyFund #Investing #FinancialGoals #MoneyHabits #WealthBuilding #FinancialConfidence #SmartMoneyMoves #LongTermPlanning #MoneyManagement #FinancialEducationWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Managing money can be hard enough when you have steady wages coming in, but when it's time to turn off the faucet and survive on your savings, many struggle with the shift in mindset. Donna discusses lifestyle habits you can employ as you approach retirement if you are concerned about your ability to make your money last. Also on MoneyTalk, the practical and psychological benefits of keeping an emergency fund, and Roth IRA income and contribution limits. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 7/13/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Interest Rates Remain the Market’s Focus Interest rates continue to be one of the most important indicators for investors because of their broad impact on the economy. The 10-year Treasury yield influences mortgage rates, corporate borrowing costs, and overall financial conditions, making it a key measure to watch. After easing briefly, the 10-year Treasury yield has moved back above 4.5%, reflecting renewed concerns following escalating conflict in the Middle East. Rising interest rates can signal worries about government debt issuance while also increasing borrowing costs throughout the economy. This week’s inflation reports will play an important role in determining where interest rates may head next. Both the Consumer Price Index (CPI) and Producer Price Index (PPI) will provide insight into inflation trends and price pressures. With oil prices having declined recently, expectations are building that the CPI could show not only slower inflation but potentially a negative monthly reading. If that occurs, it would represent a meaningful shift in the inflation outlook. Markets will also be closely monitoring Federal Reserve Chairman Kevin Warsh as he delivers his required testimony before Congress. Since taking office, Warsh has largely avoided signaling future monetary policy, preferring to let the Federal Reserve’s actions speak for themselves. His remarks before lawmakers may offer investors valuable insight into the Fed’s current thinking and could have a significant impact on interest rate expectations. Because interest rates influence borrowing, spending, business investment, and equity valuations, developments this week have the potential to affect markets well beyond the bond market alone. Earnings Season Takes the Spotlight While geopolitical events continue to create uncertainty, corporate earnings remain one of the strongest drivers of long-term stock market performance. As earnings season begins, investors will gain a clearer picture of how American businesses are performing in today’s economic environment. Current estimates for the S&P 500 remain encouraging. Analysts project earnings growth of approximately 25% in 2026 and 17.4% in 2027. Even more notably, seven of the index’s eleven sectors are expected to generate earnings growth exceeding 10% in 2026. Revenue growth projections also remain positive, with estimates of 10.4% for 2026 and 7.6% for 2027. These forecasts suggest that companies continue to improve profitability through a combination of stronger sales and increased operational efficiency. Although estimates will ultimately be tested against actual results, improving corporate earnings have historically supported higher equity prices. In an environment where investors remain focused on inflation, interest rates, and Federal Reserve policy, strong earnings growth could provide an important catalyst for continued market strength. As the week unfolds, investors will be watching inflation reports, Federal Reserve commentary, and early earnings announcements closely. Together, these developments will help shape expectations for the economy, interest rates, and the direction of financial markets in the months ahead. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post A Week Worth Watching first appeared on Fi Plan Partners.

Financial stress is something many people experience at different stages of life. Rising costs, unexpected expenses, debt, and uncertainty about the future can all create financial pressure.In this episode, Miguel Gonzalez discusses several practical financial habits that may help reduce money-related stress. Learn how spending awareness, emergency savings, automation, financial organization, and long-term consistency can help create a stronger sense of financial stability and confidence.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#FinancialStress #FinancialWellness #CortburgSpeaksRetirement #MiguelXGonzalez #MoneyHabits #FinancialPlanning #PersonalFinance #MoneyManagement #Budgeting #EmergencyFund #FinancialConfidence #FinancialFreedom #RetirementPlanning #WealthBuilding #MoneyMindset #SmartMoneyMoves #FinancialHealth #SavingsGoals #DebtManagement #FinancialClarityWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Generation X Gaming Podcast #495 | Xbox Studios, Digital Ownership, Bungie, Suicide Squad & Gaming NewsWelcome to **Generation X Gaming Podcast #495!**This week, **30nstillgaming** and **Sgt Mclusky** dive into some of the biggest stories shaping the gaming industry. We discuss the continued shift away from physical media, concerns over digital ownership, Microsoft's future strategy for Xbox Game Studios, Bungie's financial challenges, and what went wrong with **Suicide Squad: Kill the Justice League**.One of the biggest discussions centers around the industry's move toward an all-digital future. What happens when you don't truly own the games or movies you've purchased? We explore the long-term impact of digital licensing, cloud gaming, and the future of physical media.We also react to reports about Microsoft's studio strategy following years of acquisitions, examine whether the current AAA business model is sustainable, and discuss Bungie's financial performance after Sony's multi-billion-dollar acquisition.## In This Episode

That 10 year stretch of time leading up to retirement is a critical period when your strategic retirement plan gets accelerated to get you to your goal, and how you choose to focus your efforts and resources will make all the difference. Donna runs through 10 questions you should be asking yourself when planning for your final approach to retirement. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 6/29/2026; Original Air Dates: 2/5/2024 & 9/23/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Employment Remains on Solid Ground Employment continues to be one of the most important indicators for both the economy and the stock market. A healthy labor market means more people are earning income, saving, investing, and contributing to overall economic growth. Those factors typically create greater demand for investment assets and provide support for stock prices. Conversely, rising unemployment often leads consumers to spend savings rather than invest, placing pressure on financial markets. The Federal Reserve closely monitors employment data when making interest rate decisions, making each monthly jobs report an important release for investors. However, it’s important to understand that the headline jobs report is based largely on surveys, making it what economists refer to as “soft data.” Because it relies on estimates from survey respondents rather than complete reporting, the data is often revised in subsequent months. The latest report was encouraging overall. More jobs were created than lost, the unemployment rate declined, and wage growth remained healthy at 3.5% year over year. While average hours worked declined slightly, rising wages combined with fewer hours worked still represents a positive development for workers. One surprising detail within the report was a decline in leisure and hospitality employment. Given the increased tourism and temporary hiring associated with the World Cup, many economists believe this portion of the report may ultimately be revised higher. To gain a clearer picture of labor market conditions, it helps to compare the survey-based data with “hard data,” such as initial unemployment claims. Unlike survey estimates, unemployment claims are based on actual filings submitted through state unemployment offices and are generally considered more reliable. Initial jobless claims have remained relatively stable throughout the year, while continuing unemployment claims have gradually declined. Together, these indicators reinforce the view that the labor market remains stable, not overheating, but not weakening either. A stable employment environment supports continued wage growth, consumer spending, savings, and investment activity. Those trends create a constructive backdrop for financial markets heading into the second half of the year. Corporate Earnings Will Drive the Next Phase of the Market Strong corporate earnings have been one of the primary drivers behind the stock market’s performance this year, and they are expected to remain a major theme throughout the remainder of the year. Corporate America has consistently exceeded expectations, helping fuel market gains. As a result, analysts have steadily raised earnings forecasts throughout the year. Earnings per share (EPS), a measure of how much profit a company generates for each outstanding share of stock, has seen meaningful upward revisions after remaining relatively flat throughout much of 2025. While this reflects confidence in the strength of American businesses, it also raises the bar. Investors will be watching closely to see whether companies can continue delivering results that justify today’s elevated expectations. Another important metric to monitor is operating margins. Markets are currently pricing in record profit margins over the coming year. If companies continue operating efficiently while maintaining strong profitability, stocks could continue benefiting from solid earnings growth. However, if expectations prove too optimistic, investors should be prepared for periods of increased market volatility. With midterm election uncertainty also entering the picture, earnings season will likely play an even larger role in determining market direction during the second half of the year. Why Gas Prices Haven’t Fallen as Fast as Oil Prices Although oil prices have retreated following the recent conflict in the Middle East, many drivers have noticed that gasoline prices have not fallen nearly as quickly. The explanation lies in how gasoline is produced, distributed, and taxed. The United States consumes more than 130 billion gallons of gasoline each year—more than any other country in the world. While crude oil prices rose sharply during the conflict and have since moved lower, retail gasoline prices typically respond more slowly. Gasoline is a refined petroleum product, meaning the cost of crude oil represents only one portion of the final price consumers pay at the pump. Refining costs, transportation expenses, distribution, and taxes all contribute to the total cost per gallon. As crude oil prices climbed, gasoline prices gradually followed. Now that crude prices have declined to levels closer to where they were earlier this year, gasoline prices are expected to follow, but historically, they tend to lag. Assuming geopolitical tensions do not escalate again, motorists could begin seeing more relief as the summer progresses and into the fall. Regional price differences also illustrate how much additional costs affect gasoline prices. States throughout the South and Midwest generally enjoy some of the nation’s lowest gasoline prices due to their proximity to Gulf Coast refineries. Meanwhile, states such as California, Washington, Hawaii, Nevada, and Oregon typically experience significantly higher prices. While crude oil costs are essentially the same nationwide, higher state taxes, increased transportation expenses, and greater distribution costs contribute to substantially higher prices at the pump. In Hawaii, for example, distribution costs alone exceed the cost of refining the gasoline. Understanding these components helps explain why gasoline prices often remain elevated even after oil prices begin to fall. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Reports Are In first appeared on Fi Plan Partners.

Generation X Gaming Podcast #487 | PlayStation DRM, Xbox Strategy, Crimson Desert, Star Wars & Gaming NewsWelcome to **Generation X Gaming Podcast #487!**Join **30nstillgaming** and **Sgt Mclusky** as they break down the biggest gaming headlines of the week, from PlayStation's latest DRM controversy and Xbox's evolving business strategy to Crimson Desert player statistics and the future of Star Wars games.One of this week's biggest discussions centers around reports of **PlayStation's 30-day license verification system** and what it could mean for digital ownership, game preservation, and consumer rights. We also examine Microsoft's latest gaming financial results, Xbox's long-term strategy, and whether dedicated console hardware still has a place in the company's future.Later in the episode, we discuss player engagement in **Crimson Desert**, the growing debate over early access versus full game releases, and whether **Star Wars** is suffering from franchise fatigue due to constant crossovers and oversaturation.As always, we wrap up the show by answering questions from the community and sharing our thoughts on the future of the gaming industry.## In This Episode

Life rarely stays the same for very long. Career changes, marriage, children, relocation, caregiving responsibilities, and unexpected health situations can all influence your financial priorities over time.In this episode, Miguel Gonzalez discusses how major life events can affect your financial plan and why periodic reviews are so important. Learn how changing circumstances may impact budgeting, retirement planning, insurance needs, savings strategies, and long-term financial goals.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#FinancialPlanning #LifeChanges #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #RetirementPlanning #MoneyManagement #PersonalFinance #FinancialGoals #WealthManagement #RetirementStrategy #FinancialConfidence #MoneyHabits #FinancialEducation #Budgeting #LongTermPlanning #FinancialFreedom #LifeTransitions #SmartMoneyMoves #FinancialHealthWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Late Fed Chairman, Alan Greenspan, served under four presidents, through multiple market meltdowns, and negotiated the American economy into its longest period of peacetime expansion, but Greenspan's legacy is also inextricably linked to the policies that led to the Great Financial Crisis. Donna does a retrospective commemorating the great contributions and unfortunate miss-steps of the man known as “The Maestro”, Alan Greenspan. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 6/22/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Employment Remains a Key Market Driver Although the week is shortened by the holiday, one of the most important economic reports of the month arrives before the weekend. The latest payroll report provides an updated snapshot of the labor market, one of the Federal Reserve’s primary measures of economic health. Because the Fed’s dual mandate is to promote maximum employment while maintaining stable inflation, employment data plays a significant role in shaping monetary policy decisions. Recent jobs reports have been stronger than many expected, making this week’s release especially important as investors look for signs that labor market strength is either continuing or beginning to fade. Employment trends also have a direct impact on the stock market. A healthy labor market supports wage growth, consumer spending, retirement contributions, and overall investment activity, all of which help create a favorable environment for stocks. Conversely, rising unemployment can reduce savings and investment while slowing economic growth. Investors will also be paying close attention to wage growth, as continued increases could indicate that the economy remains resilient even as inflation shows signs of easing. Dividend Growth Has Historically Outpaced Inflation Inflation remains one of the biggest concerns for investors, creating uncertainty around interest rates and future market performance. While inflation reduces purchasing power over time, dividend-paying stocks have historically provided one of the most effective ways to combat its long-term effects. In fact, dividends have accounted for approximately 37.2% of the S&P 500’s total return since 1928, highlighting their significant contribution to long-term investment performance. The relationship between dividends and inflation becomes even more compelling over longer periods. From the end of 1979 through the end of last year, dividends paid per share by companies in the S&P 500 increased at a compound annual growth rate of 5.88%, while inflation averaged 3.19% annually. This sustained growth has allowed dividend income to outpace inflation over time, helping investors preserve purchasing power while generating meaningful long-term returns. History Points to a Seasonal Summer Slowdown Seasonality also provides valuable context as markets move into the second half of the year. Historically, the period from late June through August tends to be one of the quieter stretches for stocks. Trading volumes often decline as investors take vacations and corporate news slows, creating what is commonly known as the “dog days of summer.” During this period, markets have historically shown relatively little separation between stronger and weaker years. That pattern typically begins to change after Labor Day. Historical data shows that markets with positive first-half performance have often continued that momentum through year-end, while markets that struggled during the first six months have frequently remained under pressure. With the market currently in the stronger historical category, the seasonal outlook remains encouraging. While history never guarantees future results, these long-term trends provide useful perspective as investors prepare for the months ahead. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Market Fireworks first appeared on Fi Plan Partners.

Many of the most important money habits begin long before adulthood.In this episode, Miguel Gonzalez discusses valuable financial lessons parents can help teach their children, including saving consistently, understanding needs versus wants, developing responsible spending habits, practicing delayed gratification, and building financial confidence over time. These early lessons can help create a strong foundation for future financial decision-making.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#FinancialLiteracy #TeachingKidsAboutMoney #ParentingTips #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #MoneyLessons #FinancialEducation #KidsAndMoney #PersonalFinance #SmartMoneyHabits #FinancialPlanning #MoneyMindset #FamilyFinance #RaisingFinanciallySmartKids #SavingMoney #FinancialConfidence #MoneyManagement #FinancialFreedom #WealthBuildingWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Earnings Continue to Lead the Way June is traditionally known as wedding season, and in many ways the market’s relationship with the Federal Reserve feels a bit like a honeymoon period. A new Federal Reserve Chairman has taken the helm, corporate earnings remain strong, and investors continue to push markets higher despite several reasons for caution. As the second half of 2026 approaches, the question becomes whether this favorable environment can continue or whether the market will soon face its first meaningful test under new leadership at the Federal Reserve. One of the more surprising developments this year has been the resilience of the stock market during a midterm election cycle. Historically, volatility tends to increase as midterm elections draw closer, often creating periods of uncertainty for investors. Yet 2026 has largely defied that pattern. The S&P 500 has continued to outperform historical midterm-year averages, supported by strong corporate earnings and ongoing investment in artificial intelligence. Corporate America has delivered results that have largely justified higher equity valuations. Earnings growth has remained healthy, investor confidence has held firm, and market momentum has continued despite concerns surrounding inflation, interest rates, and the political landscape. For now, earnings remain the dominant story. While markets have focused on earnings, political developments are beginning to move into view. Historically, markets have often performed best when political power is divided in Washington. As attention gradually shifts toward the November midterm elections, investors will be watching closely to see whether election outcomes alter expectations for fiscal policy, regulation, or economic growth. Election years often introduce additional uncertainty into the market, but they can also create opportunities for investors who remain focused on long-term fundamentals rather than short-term headlines. A New Direction at the Federal Reserve The first meeting under Chairman Kevin Warsh offered an early glimpse into what may become a significantly different approach to monetary policy communication. Rather than lengthy statements designed to guide market expectations, the new chairman signaled a preference for brevity and restraint. The philosophy appears straightforward: markets should inform Federal Reserve policy decisions, not the other way around. That approach stands in contrast to the communication strategies that became common following the financial crisis, when Federal Reserve officials frequently used detailed guidance to calm markets and shape expectations. Today’s environment is far different. Economic growth remains intact, unemployment remains relatively healthy, and while inflation remains above ideal levels, it has shown signs of moderation. Warsh has also taken a measured approach to institutional change. Rather than immediately implementing major reforms, the Federal Reserve has begun reviewing several areas of operation through dedicated committees. Those reviews range from communication practices to broader questions surrounding balance sheet management. The process reflects an understanding that meaningful change within a century-old institution requires deliberation rather than disruption. While investors are eager to understand how the new chairman will shape policy, the early signs suggest a thoughtful and methodical approach rather than sweeping change. History reminds investors that honeymoon periods rarely last forever. Few Federal Reserve Chairmen understood that reality better than Alan Greenspan, whose passing this week marks the end of a remarkable chapter in financial history. Greenspan assumed leadership of the Federal Reserve in 1987 and within months faced one of the most significant market crashes in modern history. The lesson is not that turmoil is imminent, but rather that markets often determine when periods of calm come to an end. The challenges facing today’s Federal Reserve are different, but the principle remains the same: economic conditions, market sentiment, and unexpected events often shape the environment more than any single policymaker can control. Today, favorable earnings, improving inflation trends, and steady economic conditions have provided the new Federal Reserve Chairman with an advantageous starting point. Yet challenges remain. Inflation has not fully disappeared, election uncertainty is approaching, and markets continue to navigate an environment shaped by rapidly evolving technology, global economic shifts, and changing monetary policy. For now, the honeymoon continues. Whether it lasts through year-end may depend less on the Federal Reserve itself and more on how investors respond to the economic and political developments that lie ahead. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Honeymoon with the Fed first appeared on Fi Plan Partners.

You may have heard of the 4% Rule, which suggests 4% as the safe maximum rate of withdrawal from your retirement accounts, but over recent years the goal posts have been shifting, leading some to question the validity of this classic rule of thumb. Donna offers insights from experts on what rate of withdrawal makes sense based on current and projected cost of living and the importance of building flexibility into your retirement plan. Also on MoneyTalk, financial compatibility among couples, and managing risk in your retirement portfolio. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 6/15/2026; Original Air Dates: 8/25/2025 & 4/6/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

In this episode, Miguel Gonzalez discusses practical ways to strengthen financial confidence during uncertain times. Learn why focusing on what you can control, avoiding emotional decisions, maintaining emergency savings, and revisiting long-term goals can help you navigate changing financial environments with greater perspective.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#FinancialConfidence #FinancialWellness #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialPlanning #MoneyMindsetWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

A Critical Week for Global Markets and the Federal Reserve Markets entered the week focused on two major developments: ongoing diplomatic discussions involving the United States and Iran, and the Federal Reserve’s latest policy meeting. Reports of progress toward a potential agreement between the United States and Iran have been welcomed by investors. News of a possible deal helped push oil prices lower and contributed to a positive response in equity markets. However, uncertainty remains, and investors should exercise caution until details are finalized and the broader implications become clearer. The decline in oil prices has also influenced interest rates, which moved lower as markets assessed the possibility of easing geopolitical tensions. While investors have responded favorably, recent history serves as a reminder that negotiations can shift quickly, and outcomes are never guaranteed until agreements are officially completed. Domestically, attention is centered on the Federal Reserve’s meeting under the leadership of Chairman Kevin Warsh. This marks his first meeting and press conference as Fed Chair, creating significant interest around how he intends to communicate monetary policy moving forward. Warsh has previously expressed concerns about excessive forward guidance, arguing that central banks should avoid becoming overly committed to future projections. Instead, he has advocated for a greater emphasis on current economic data when making policy decisions. Investors will be watching closely to see whether he introduces a more restrained communication style or gradually transitions the Fed toward a quieter approach. Another area of focus will be the relationship between the chairman and other members of the Federal Open Market Committee (FOMC). While the chair plays an influential role, policy decisions are made collectively. Any signs of disagreement among committee members could offer valuable insight into future policy direction. With employment remaining strong and inflation continuing to present challenges, the Federal Reserve’s comments on inflation trends, geopolitical developments, and economic growth will be particularly important for markets. Inflation Remains a Key Concern Inflation remains one of the most closely watched economic indicators, and recent data suggests price pressures continue to persist. The latest Consumer Price Index (CPI) reading came in at 4.2%, higher than many economists had anticipated. While energy prices, particularly oil, have likely contributed to the increase, inflation remains elevated relative to the Federal Reserve’s long-term target. Beyond the traditional CPI measure, another useful perspective comes from what Strategas Research Partners refers to as the “Common Man CPI.” This proprietary measure focuses specifically on essential household expenses, including food, energy, shelter, insurance, and children’s clothing. By emphasizing necessities rather than the broader basket of goods used in traditional inflation calculations, it attempts to better reflect the inflation experienced by everyday consumers. According to this measure, inflation currently stands at 4.6%, noticeably higher than the headline CPI reading. Since mid-2020, prices within the Common Man CPI have increased approximately 32%, compared to roughly 30% for headline CPI. The challenge for consumers is that wage growth has not fully kept pace. While wages have risen approximately 27.5% over the same period, inflation has exceeded those gains, creating ongoing pressure on household budgets. As policymakers evaluate future interest rate decisions, an important question remains: Are current inflation pressures temporary, particularly those tied to energy prices, or do they represent a more persistent trend? The answer will play a significant role in shaping future Federal Reserve actions. CEO Confidence and Consumer Strength Support the Outlook While inflation and global uncertainty remain concerns, several indicators continue to point toward resilience within the broader economy. One closely monitored measure is CEO confidence, which has improved in recent weeks. This indicator reflects how corporate leaders view economic conditions over the next 12 months and can provide valuable insight into future business investment and hiring decisions. Higher CEO confidence often translates into increased capital spending, stronger workforce expansion, and improved earnings expectations. Since corporate earnings remain one of the primary drivers of stock market performance, rising confidence among business leaders is generally viewed as a positive signal for future growth. Consumer spending has also remained remarkably strong despite elevated inflation. Consumers continue to play a critical role in supporting economic growth, and spending trends have remained resilient even as households navigate higher prices. Taken together, improving CEO confidence and continued consumer strength provides a constructive backdrop for both the economy and financial markets as the year progresses. Investors should continue monitoring developments in the Middle East, Federal Reserve policy decisions, inflation trends, business confidence, and consumer spending. Each of these factors has the potential to influence markets in the months ahead, making it important to stay informed and maintain a long-term perspective amid ongoing uncertainty. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Deal or No Deal? first appeared on Fi Plan Partners.

Stop making excuses! In this explosive Throwback Thursday episode, Brent Daniels sits down with 19-year-old absolute killers Tyler Williams and Joshua Dochee. By combining intense daily hustle with out-of-the-box lead generation, these teenagers mastered a brilliant strategy: using virtual assistants to source "dead" Pay-Per-Click (PPC) leads from other wholesalers in Facebook groups and flipping them using the Novation exit strategy.Tyler and Joshua break down exactly how they pitch their services to sellers, the specific legal paperwork required to securely lock up a novation (including the Indemnification Agreement and AIF), and why a vital segment of the market will gladly take a massive discount to avoid the hassle of listing with a traditional agent. Plus, Brent drops some major knowledge bombs on how to properly recruit, compensate, and retain top-tier acquisition talent for your scaling business. If you want to know how the next generation of real estate investors is completely dominating the market, this episode is a masterclass. Be a part of the TTP training program now.---------Show notes:(0:00) Beginning of today's episode(1:33) The brilliant strategy of sourcing dead PPC leads from other wholesalers using VAs(8:32) The Novation exit strategy and leveraging real estate agents for disposition(14:55) The exact paperwork needed for a novation (Indemnification Agreement and AIF)(28:35) Using the "stealth mismatch" negotiation tactic to test a seller's true motivation(30:12) The top three reasons why motivated sellers actively avoid listing with traditional agents(35:39) Why Joshua skipped college to get his real estate license(40:43) How Tyler mastered sales by spending 8-10 hours a day on the phone mirroring and matching(47:21) Brent's golden rule for hiring: Why you should never hire an unemployed salesperson(56:05) Why you should test new acquisition managers with top-tier inbound leads instead of cold calling(1:00:48) Dominating the three parts of a Google search to triple your inbound lead flow(1:05:17) Why you are a "deal finder, not a deal maker"(1:05:41) How to connect with Tyler and Joshua----------Resources:No Limit Sales SystemTalk To PeopleInstagram: @joshua.jmdInstagram: @realbrentdanielsTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

One of the primary goals of estate planning is minimizing overall tax burden, and when dealing with large estates, the small details can make all the difference. Donna discusses one particular aspect of inheritance planning: the difference between using date of death vs alternate valuation date. Also on MoneyTalk, deciding whether to rollover your 401K, and planning for your first year of retirement. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 6/8/2026; Original Air Dates: 1/8/2024 & 11/10/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Setting financial goals is important—but reviewing them regularly can be just as valuable.In this episode, Miguel Gonzalez discusses why financial goals should evolve as life changes. Learn how career shifts, family priorities, changing expenses, market conditions, and personal milestones can all influence your financial direction. Periodic reviews can help ensure your goals remain aligned with what matters most to you.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#FinancialGoals #FinancialPlanning #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #MoneyGoalsWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Market Strength Remains Concentrated One of the most important developments in the market this year has been the concentration of returns within a relatively small portion of the S&P 500. An analysis of sector performance reveals that technology stocks have once again emerged as the primary driver of market gains over the past several weeks, reestablishing themselves as the market’s leadership group. Technology now represents approximately 39% of the S&P 500, making its performance increasingly important to the overall direction of the index. As a result, investors should pay close attention to valuations and earnings growth within the sector, as weakness in technology could have an outsized impact on broader market returns. Last fall provided an encouraging example of market resilience, as other sectors stepped in to offset periods of weakness among technology companies. Whether that dynamic can repeat itself remains an important question for the remainder of the year. The growing influence of technology is largely tied to a handful of exceptionally profitable companies. The so-called “Magnificent Seven” now account for more than one-third of the S&P 500’s total market capitalization and continue to generate earnings growth far above the rest of the market. In the first quarter, these companies delivered earnings growth of 63.2%, roughly four times the growth rate achieved by the other 493 companies within the index. Corporate profitability more broadly has also remained remarkably strong. During the first quarter, S&P 500 companies retained nearly 15 cents of profit for every dollar of revenue generated. According to available data, that represents the highest profit margin recorded since tracking began in 2009 and is more than double the long-term average dating back to 1946. These trends suggest that while market leadership remains narrow, the underlying earnings environment continues to provide meaningful support for equities. Going forward, monitoring sector performance and return dispersion across the market will be critical in identifying opportunities and determining whether portfolio adjustments become necessary. A New Federal Reserve Chair Takes the Stage While market fundamentals remain strong, investors are also preparing for a major leadership transition at the Federal Reserve. Kevin Warsh is set to assume the role of Federal Reserve Chair, and his first meeting leading the Federal Open Market Committee will take place next week. Historically, markets have paid close attention to the early actions of a new Fed Chair, often reacting with heightened volatility as investors assess potential changes in policy direction. Historical data shows that market performance following a new Chair’s first meeting has frequently been challenged. On average, the market has experienced modest declines during the first several weeks after the transition, reflecting investor uncertainty and the market’s tendency to test new leadership. While historical averages provide useful context, individual outcomes have varied significantly depending on economic conditions and market circumstances at the time. The Federal Reserve’s decisions are ultimately driven by incoming economic data, making recent employment figures particularly important. The May employment report came in substantially stronger than expected, with nonfarm payrolls increasing by 172,000 jobs compared to expectations of roughly 88,000. In addition, prior months’ payroll figures were revised higher, reversing a trend of downward revisions seen earlier in the year. Job growth remained broad-based across several sectors, including leisure and hospitality, healthcare, construction, and government employment. Meanwhile, the unemployment rate held steady at 4.3%, reinforcing the view that the labor market remains healthy. This strength in employment is significant because it directly relates to one half of the Federal Reserve’s dual mandate: maximum employment and price stability. As Warsh begins his tenure, he will inherit an economy that continues to exhibit labor market resilience. The inflation outlook, however, remains less certain. Rising oil prices driven by ongoing tensions in the Middle East have increased concerns about potential inflationary pressures. Future inflation data will likely play a major role in shaping the Federal Reserve’s policy decisions and influencing investor expectations for interest rates. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post The Fed's Influence on the Markets first appeared on Fi Plan Partners.

Imagine going into business with a partner who tells you upfront: at the end of every year, I'll decide how much of the profits I keep. You'd never agree to that. But Ira Work says millions of Americans already did the day they opened a traditional IRA.That's one of several hard truths Ira Work, a 42-year financial industry veteran, addresses head-on in his new book and in this conversation. After 17 years working for firms like Smith Barney and Shearson Lehman Brothers, Ira walked away from the traditional brokerage model — not because he failed, but because he saw how it was failing clients.In this episode, Ira breaks down four persistent myths that quietly erode investor wealth, explains why tax-deferred retirement accounts may carry more risk than most people realize, and makes the case for financial coaching over traditional advising. Listeners will walk away with a clearer picture of what questions to ask, what costs to watch for, and what it actually means to have a financial plan built around their life and not just their portfolio.About Ira WorkIra Work is an Investor Coach and founder at First Financial Coaching, Inc., with over 42 years of experience in the financial industry. He holds multiple advanced designations including ChFC, RFC, AIF, AAMS, CASL, and CRPS. After spending his first 17 years at major wirehouses, Ira transitioned to independent financial coaching focused on investor education, behavioral science, and evidence-based investing. He is the author of The Investor's Coach: How You Can Rise Above Wall Street's Myths and Build Real Wealth.What We CoverWhy stock picking and market timing feel logical in the moment but fail investors over timeThe real reason 10-year fund track records are nearly meaningless for picking investmentsHow hidden trading costs inflate what investors actually pay beyond the stated expense ratioThe IRA tax trap: why deferring taxes today could mean paying far more tomorrow if rates riseThe one question Ira asks every new client that most advisors never think to raiseThe difference between a financial advisor and a financial coach, and why one asks about your life while the other asks about your moneyResources MentionedThe Investor's Coach by Ira Work — available on AmazonCome Back America by David Walker (U.S. Comptroller General) — referenced in the tax trap discussionNavigating the Fog of Investing — documentary film featuring Morningstar's CEO on fund ratingsConnect with Ira WorkWebsite: irawork.com / firstfinancialcoach.comEmail: irawork@firstfinancialcoach.comSupport the show

#ThisMorning | How to #Hire a #Retirement #Plan #Advisor | Bob Scherzer, AIF, World Investment Advisors | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

Summer is filled with vacations, family activities, dining out, and memorable experiences—but it can also be one of the most expensive seasons of the year.In this episode, Miguel Gonzalez discusses how seasonal expenses such as travel, entertainment, camps, home projects, and rising utility bills can affect your budget. Learn why planning ahead and reviewing spending habits can help you enjoy summer while staying on track with your long-term financial goals.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#SummerSpending #BudgetingTips #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #PersonalFinanceWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

When retirement policymakers sought to incentivize small businesses to begin offering retirement plans in an effort to help close the coverage gap, they did so in part by creating greatly expanded federal tax credits that would offset their cost in providing those plans.But research has found fewer than 6% of eligible employers are properly claiming the tax credit—and that's a problem that doesn't sit well with retirement plan advisor Will Hackler, AIF, the “401(k) Fix-It Guy” who is the Managing Partner at Integrated Pension Services. Hackler says there's a real awareness problem regarding the tax credit, and that advisors need to step in to make sure eligible firms (and their tax-filing CPAs) know about and take advantage of a program intended specifically for them.In this episode, Hackler explains the tax credit, the problem and potential solutions.

Retirement planning is mainly focused on the math, but there is much more to aging than surviving financially, and today’s advisors are taking a more holistic approach to serving their senior clients. Donna discusses how longevity planning is providing a more comprehensive solution to the needs of retirement community. Also, on MoneyTalk, what to do with your old 401k. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 6/1/2026; Original Air Dates: 1/5/2026 & 8/26/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Inheriting money from your spouse is a pretty straightforward process, but when money is passed down from parents or other family members, the rules get a bit more complicated. Donna and Nathan discuss the process of distributing assets from a non-spousal inheritance. Also, on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 5/28/2026; Original Air Date: 7/1/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Corporate Profitability Remains Exceptionally Strong With earnings season now complete, the latest results indicate that the fundamental backdrop for the equity market remains healthy. One of the most important measures of market strength is operating margin, which reflects how much profit a company generates from its core operations after covering production-related costs. Companies within the S&P 500 are currently reporting operating margins of approximately 20.3%, reaching record levels. These strong margins demonstrate that businesses continue to operate efficiently and maintain profitability despite ongoing concerns about inflation, tariffs, and geopolitical uncertainty. The trend is even more encouraging when considering the potential impact of artificial intelligence and other productivity-enhancing technologies. As these innovations become more integrated into business operations, the benefits should increasingly be reflected in corporate profitability. Equal-weight operating margins, which provide a broader view of company performance across the market, are also approaching record highs. The continued improvement in margins suggests that productivity gains and operational efficiencies are beginning to spread across a wider range of companies. Rather than focusing solely on short-term uncertainties, investors appear to be recognizing the strength of corporate earnings and profit growth. Consumer Debt Headlines Miss the Bigger Picture Recent headlines have focused heavily on rising consumer debt, creating concern that Americans may be struggling financially. However, debt levels alone do not provide a complete picture of consumer health. A closer examination reveals that delinquency rates, the percentage of borrowers falling behind on payments, remain relatively low. Credit card delinquency rates have recently declined to approximately 2.92%, down from levels seen earlier in the year and well below the peaks experienced during the Global Financial Crisis. This distinction is important. Consumers may be carrying more debt, but the key question is whether they can manage and repay those obligations. Current data suggests that, for the most part, they can. Employment remains one of the primary reasons for this resilience. Despite widespread headlines about layoffs and technological disruption, initial jobless claims continue to stay near historically low levels. As long as consumers remain employed, they generally retain the ability to meet their financial obligations and continue spending. Consumer spending rose by 0.5% in April, even as wage growth remained relatively flat. While some of this spending may be supported by borrowing, tax refunds, or drawing down savings, these trends can remain sustainable for a period when supported by a growing economy, strong employment, and healthy corporate profits. The personal savings rate has declined, which bears watching, but the broader picture remains constructive. Moving forward, labor market data will continue to be one of the most important indicators for evaluating consumer strength and overall economic health. Is This Market Really a Bubble? One of the most common concerns among investors today is whether the current market environment resembles the technology bubble of the late 1990s. While certain similarities exist, a closer examination of the data reveals important differences. During the 1990s technology boom, stock prices rose dramatically despite relatively weak earnings growth. Much of the market’s return came from what is known as multiple expansion, where investors became willing to pay increasingly higher prices for each dollar of earnings based on expectations of future growth. In many cases, stock prices surged even as underlying earnings failed to keep pace. Between 1995 and 1999, the S&P 500 generated returns of approximately 220%, while earnings grew only about 67%. This disconnect between prices and profits was a defining characteristic of the technology bubble. Today’s market tells a different story. While some multiple expansion has occurred, earnings growth has been the primary driver of returns since the current bull market began in the second half of 2023. Corporate profits have continued to rise, helping justify much of the market’s advance. Although valuations remain elevated by historical standards, earnings growth has largely kept pace with stock price appreciation. In fact, strong earnings growth can make valuations appear more reasonable over time as companies generate greater profits to support higher stock prices. The relationship between earnings and market performance remains one of the most important indicators of long-term sustainability. Unlike previous bubble periods, current market gains are being supported by measurable improvements in corporate profitability. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Behind the Headlines first appeared on Fi Plan Partners.

On this episode of MoneyTalk, Nathan discusses the concept and philosophy of money. Also, on MoneyTalk, how the Monte Carlo simulation works, and passages from a recent book that Nathan cannot put down. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 5/22/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

On this episode of MoneyTalk, Donna and Nathan discuss common misconceptions and tips when dealing with tax after retirement. Also, on MoneyTalk, the differences in how companies incorporate. Finally, it's game time with MoneyTalk! The team plays Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 5/19/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

As retirement approaches, financial organization becomes more important than ever.In this episode, Miguel Gonzalez discusses how simplifying accounts, reviewing old retirement plans, updating beneficiaries, and organizing important financial documents can help create more clarity and confidence before retirement. Small organizational steps today can make managing your financial life much easier in the years ahead.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#RetirementPlanning #FinancialOrganization #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #RetirementPrepWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

I dagens avsnitt av Expressen Fotboll smygstartar vi VM-peppen inför veckans landslagssamling! Men vi har extremt mycket allsvenskt drama att avhandla. Malmö FF blöder fullständigt. Efter 3–2 smällen hemma på Eleda Stadion mot VSK har laget nu släppt in osannolika 13 mål på sina fyra senaste matcher. Vi ifrågasätter tränare Ramirez framtid och riktar strålkastarljuset mot styrelserummet – är de 60 miljonerna som bränts på Milojevic, Sjöstrand och Karaberglov en häpnadsväckande kapitalförstöring? Dessutom dissekerar vi Stockholmsderbyt där AIK, under ledning av Riveiro, stod för en total scenförändring och chockade storfavoriten Hammarby på konstgräset. Varför ser Kalle Karlssons lag så ointensivt ut? Vi pratar även ner Hahns fullskaliga vansinnesutbrott där domare Ladebäck fick gå emellan och rädda honom från ett rött kort. Vi avhandlar också John Guidettis överklädda derbystil i värmen, BP-kaptenen Simon Strands omtalade tröj-hån mot Djurgården, och laddar upp inför kvällens högintressanta matcher: IF Elfsborg–BK Häcken och IFK Göteborg–Mjällby AIF. I studion: Isak Dahlin, Petter Landén & Andreas Brännström På länk: Alexander Snäcke Ansvarig utgivare: Klas Granström

In this episode of Don Sowa's MoneyTalk, Nathan discusses important topics when choosing a financial planner. Also, on MoneyTalk, Nathan shares some of his favorite reads that has helped educate him throughout his years in the industry. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 5/20/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

 People are living longer than ever — but many retirement plans were never built for a 30-year retirement.In this episode, Miguel Gonzalez discusses longevity risk, rising healthcare costs, and the financial challenges that can come with a longer retirement timeline.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#RetirementPlanning #LongevityRisk #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #RetirementIncome Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

In this episode, Nathan discusses the importance of Roth IRA conversions and Required Minimum Distributions. Also, on MoneyTalk, the meaning of credentials in the financial planning industry. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 5/15/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

In this episode, Donna talks about the stages and milestones in planning for retirement. Also, on MoneyTalk, the financial considerations for re-entering the workforce. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 5/18/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Most successful people have a retirement number. Very few have a retirement reason.That's the gap Jason Wendt has spent 15 years closing. After watching client after client arrive with a solid portfolio and a hollow plan, he wrote a book about it. And now, fresh off an Amazon bestseller ranking and a feature segment on NBC Chicago, he's bringing that message to a wider audience.Episode SummaryIn this episode, Gabe McManus sits down with Jason Wendt, a Chicago-based financial advisor and author of Beyond the Numbers, to explore what it really means to build a financially efficient life. Jason shares why he starts every client relationship with the question "What's important about money to you?" rather than a statement of assets. He talks about the three phases of financial life most advisors forget to address, how childhood money narratives quietly shape the decisions of even the wealthiest clients, and why he considers himself the CEO of his clients' financial lives. Jason walks through the specific frameworks, client stories, and planning tools he uses to help people move from saving for a number to building a life around what actually matters to them.About Jason WendtJason Wendt, AIF®, APMA®, CEPA®, is a financial advisor at Ameriprise Financial in Chicago, Illinois, with over 15 years of experience serving high achievers, business owners, and professionals navigating complex financial lives. He holds the Accredited Investment Fiduciary, Accredited Portfolio Management Advisor, and Certified Exit Planning Advisor designations. Jason is the author of Beyond the Numbers: A High Achiever's Guide to Financial Freedom Without Sacrifice, an Amazon bestseller in the financial services category. He recently appeared as a financial expert on NBC Chicago and has been invited to speak at universities in the Chicagoland area.What We CoverWhy Jason's first question to every new client is "What's important about money to you?" and how that one question changes the entire planning processThe three phases of financial life: accumulation, distribution, and enjoyment, and why most financial plans never address the third oneHow childhood money narratives keep wealthy clients from enjoying what they've builtWhat financial paralysis looks like for high-earning professionals and business owners, and how to break through itWhy Jason positions himself as the CEO of his clients' financial lives, with a network of 17 specialists across insurance, estate planning, taxes, and investment managementProactive vs. reactive tax strategy: asset location, Roth conversions, and why timing matters more than most people realizeConnect with Jason WendtWebsite: beyondthenumbersbook.comLinkedIn: linkedin.com/in/jasonwendtEmail: jason@beyondthenumbersbook.comBook: Beyond the Numbers on AmazonSupport the show

Strong Earnings Continue to Support the Market Markets continue to navigate a range of macroeconomic concerns, including rising gas prices and ongoing uncertainty in the Middle East. Investors are also closely watching the Federal Reserve, as higher yields and interest rates remain a key topic of discussion. Despite these external pressures, one area of the economy continues to stand out: the strength of corporate America. First-quarter earnings season has delivered exceptionally strong results for companies within the S&P 500 Index. As of May 8, 84% of companies had reported earnings above analyst estimates, well above the five-year average of 78%. The breadth of this strength has also been impressive, with seven of the index's eleven sectors posting year-over-year earnings growth rates of at least 10%. Revenue growth has been equally encouraging. The S&P 500 recorded blended revenue growth of 11.3% in the first quarter, marking the 22nd consecutive quarter of revenue expansion. This sustained growth reinforces the argument that corporate fundamentals remain healthy, even amid broader economic uncertainty. As investors continue to debate whether equity markets are overpriced, current earnings and revenue trends suggest that many valuations may be more justified than critics expected at the start of the year. Corporations have largely met or exceeded expectations, providing strong support for market performance. Why Valuations May Not Be as Stretched as They Appear One of the most common concerns among investors today is whether markets have become too expensive. Questions surrounding a potential artificial intelligence bubble and elevated valuations continue to dominate conversations. While valuations in certain areas of the market may appear stretched on the surface, earnings growth is telling a more nuanced story. A key factor often overlooked is the relationship between stock prices and earnings growth. While market prices have risen, earnings expectations have risen even faster. Current estimates for next 12-month earnings per share have increased by approximately 13%, while the broader market has advanced roughly 8% over the same period. This dynamic has led to what is known as “multiple compression.” In simple terms, even though stock prices are rising, companies are becoming relatively less expensive because earnings growth is outpacing price appreciation. This is the opposite of “multiple expansion,” where prices rise faster than earnings and valuations become increasingly stretched. The result is a market that may actually be cheaper today than it was earlier in the year, despite higher index levels. Strong earnings growth has effectively helped valuations normalize, as prices continue working to catch up with improving corporate fundamentals. Greg Powell, CIMA® President and CEO Wealth Consultant Email Greg Powell here Bobby Norman, CFP®, AIF®, CEPA® Managing Director Wealth Consultant Email Bobby Norman here Trey Booth, CFA®, AIF® Chief Investment Officer Wealth Consultant Email Trey Booth here Ty Miller, AIF® Vice President Wealth Consultant Email Ty Miller here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post Earnings Bonanza first appeared on Fi Plan Partners.

Healthcare is one of the most important — and often overlooked — parts of retirement planning.In this episode, Miguel Gonzalez discusses several key healthcare considerations retirees may face, including Medicare, long-term care, Health Savings Accounts (HSAs), and the importance of building flexibility into your retirement strategy. Planning ahead for healthcare costs can help bring greater clarity and confidence to your long-term financial picture.#HealthcareCosts #RetirementPlanning #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #MedicarePlanningWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Today we have been seeing a decrease in the supply of CPAs, leaving more and more taxpayers on their own to prepare their filings. Donna and Nathan offer some DIY tax filing best practices to take a like bit of the stress out of your tax season. Also, on MoneyTalk, 7 lessons for new retirees, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 5/7/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Today on MoneyTalk, Donna discusses Roth Conversions, Custodial Roth IRAs, sources of the K-shaped economy, 60-day rollovers, debt consolidation, and new 401K features. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 5/11/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Investing can be a humbling endeavor, and even the most successful investors have a few bets that they wish they could take back. Donna and Nathan discuss the fatal errors that led Mike Steinhardt, one of the nation’s most successful hedge fund managers, to lose over $800M in just four days. Also, on MoneyTalk, strategic asset allocation and market timing, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 5/5/2026; Original Air Dates: 2/23/2023 & 2/6/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

As an early investor, the risk of loss is balanced by your expected time in the market, but for those approaching retirement, loss of principle can be a major risk as you begin to draw income from your investments. Donna discusses how sequence of returns risk can play a major role in your ability to meet your retirement goals. Also, on MoneyTalk, challenges for those aging alone. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 5/4/2026; Original Air Dates: 9/22/2025 & 11/17/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

As your income grows, your spending often grows with it — sometimes without you even realizing it.In this episode, Miguel Gonzalez explains how lifestyle creep can quietly impact your long-term financial goals and retirement planning. Learn how gradual spending increases, unchanged savings habits, and rising lifestyle expectations can affect your future — and how being more intentional with your money can help keep you on track.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#LifestyleCreep #RetirementPlanning #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #MoneyHabitsWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Taxes can play a bigger role in retirement than many people expect.In this episode, Miguel Gonzalez explains how taxes can influence your retirement income strategy — from understanding different types of accounts to coordinating withdrawals, managing Required Minimum Distributions, and considering tax diversification. A thoughtful approach to taxes can help bring more clarity and control to your long-term plan.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#RetirementTaxes #RetirementPlanning #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #TaxPlanningWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

In this interview episode, Dr Daniel Reynaud, author of The Man The Anzacs Revered, tells us about the colourful and incredibly brave AIF chaplain William McKenzie, who was a Salvation Army officer on the frontlines with the Diggers at Gallipoli and then on the Western Front. In his time, ‘Fighting Mac' was beloved around Australia and the inspiration for many tall tales. But his truth is even more striking. So why has he been forgotten?See Forgotten Australia live!
"Crashes, Chases and Crooks in Melton History" – as part of the Melton Heritage Festival.More info and free tickets:
https://libraryevents.melton.vic.gov.au/event?id=209608Want more original Australian history? Check out my books!They'll Never Hold Me:
https://www.booktopia.com.au/they-ll-never-hold-me-michael-adams/book/9781923046474.htmlThe Murder Squad:
https://www.booktopia.com.au/the-murder-squad-michael-adams/book/9781923046504.htmlHanging Ned Kelly:
https://www.booktopia.com.au/hanging-ned-kelly-michael-adams/book/9781922992185.htmlAustralia's Sweetheart:
https://www.booktopia.com.au/australia-s-sweetheart-michael-adams/book/9780733640292.htmlEmail: forgottenaustraliapodcast@gmail.com Hosted on Acast. See acast.com/privacy for more information.

Your 50s and early 60s are one of the most important financial transition periods.In this episode, Miguel Gonzalez highlights five key financial decisions to revisit before retirement — from evaluating your savings progress and maximizing catch-up contributions to reviewing your investment strategy, planning for healthcare costs, and refining your retirement timeline. Small adjustments during this stage can have a meaningful impact on your long-term financial future.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#RetirementPlanning #PreRetirement #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellness #RetirementPrepWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Chris Male started the Autism Impact Fund in 2021, aiming to invest in life sciences that impact the 3.2% of U.S. children with autism. AIF is now announcing its first close of its second fund, celebrating $150 million under management. Male discusses the goals of the fund, the opportunities in behavioral health, mental health, and diagnostics, and the private sector's role in impacting communities affected by autism.    Chris Male - 03:49   In this episode: Becky Quick, @BeckyQuick Joe Kernen, @JoeSquawk Katie Kramer, @Kramer_Katie Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Episode Summary This week on Live like the World is Dying, James and Casandra talk with Rachel about the revolutionary movement in Myanmar and internationalism. If you want to read Rachel's zine, check out https://aifmyanmar.noblogs.org/post/2025/11/02/lessons-from-the-hills/ or learn more about the autonomous women's formation in the AIF check out https://www.instagram.com/witchteamfpv Host Info Casandra can be found on BlueSky @hey-casandra.bsky.social and James can be found on Twitter @JamesStout or on Patreon at https://www.patreon.com/Jamesstout. Publisher Info This show is published by Strangers in A Tangled Wilderness. We can be found at www.tangledwilderness.org, or on Twitter @TangledWild and Instagram @Tangled_Wilderness and Blue Sky @tangledwilderness.bsky.social You can support the show on Patreon at www.patreon.com/strangersinatangledwilderness This podcast is powered by Pinecast. Try Pinecast for free, forever, no credit card required. If you decide to upgrade, use coupon code r-69f62d for 40% off for 4 months, and support Live Like the World is Dying.