Podcasts about Asset

Spencer and Jamie break down the 10 core principles of Bogleheads investing and show how military service members can apply this simple, low-cost approach to build wealth through the TSP and other accounts. If you're overwhelmed by investing advice or tempted by day trading and crypto, this episode cuts through the noise with a proven strategy that's worked for decades. Hosts: Spencer Reese (former Air Force pilot, 12 years active duty) and Jamie (active duty officer) The 10 Bogleheads Principles Develop a workable plan - Create an investment policy statement (even informal) to guide decisions during market volatility Invest early and often - Automate contributions to remove decision fatigue; increase TSP allocation today Never bear too much or too little risk - Age-appropriate asset allocation; avoid the old G Fund default trap Diversify - Don't put all eggs in one basket; TSP funds cover entire US market plus international exposure Never try to time the market - Time IN the market beats timing the market; market dropped 19% in April 2025, now up 38% from that low Use index funds when possible - TSP offers five low-cost index funds; 90% of active managers can't beat index funds over 20 years Keep costs low - TSP expense ratios under 0.1%; avoid predatory companies charging 1-2%+ fees Minimize taxes - Leverage Roth TSP and Roth IRA; military tax advantages (BAH, BAS, combat zone exclusion) Invest with simplicity - LADS approach (Low-cost, Automated, Diversified, Simple); Warren Buffett's S&P 500 bet crushed hedge funds Stay the course - Measure performance in decades, not days/weeks; don't panic sell during downturns Key Takeaways Why Bogleheads Philosophy Works for Military: Takes power back from financial advisors and complex products Simple enough anyone can succeed with minimal effort Perfect match for TSP's low-cost index fund structure Removes emotion from investing decisions TSP Advantages: Five index funds (C, S, I, G, F) cover nearly entire investable market Lifecycle funds automatically balance risk by retirement year Expense ratios under 0.1% (incredibly low) Now defaults to lifecycle funds instead of G Fund (huge improvement with Blended Retirement System) Common Military Investing Mistakes: Old G Fund default trap - cost retirees millions in missed gains Trying to time the market or day trade Paying high fees to predatory companies Not automating contributions Measuring performance over days/weeks instead of decades The Math That Matters: First $100K took Spencer 4+ years; second $100K took 2 years (compound growth accelerates) Market will drop 30% in next 10 years (guaranteed) - but timing it is impossible S&P 500 gained 125% over 10 years vs. best hedge fund's 87% in Warren Buffett's famous bet April 2025 market drop: 19% down, then 38% up from that low within months Diversification Made Easy: C Fund: 500 largest US companies (S&P 500) S Fund: ~2,000 smaller US companies I Fund: 5,000+ international companies (20+ developed + emerging markets, excludes China/Hong Kong) Combined: Total US and international market exposure Add VXUS in Roth IRA for China/Hong Kong exposure if desired Automation is Your Friend: Log into MyPay once, increase TSP allocation, never think about it again Every promotion or time-in-grade raise = bump allocation by 1% One decision removes 100 future decisions Eliminate decision fatigue and emotional reactions Fee Impact Example: Predatory companies charge 1-2%+ fees TSP: Under 0.1% Fidelity FZROX: 0% expense ratio Vanguard funds: 0.03% Rule of thumb: Stay under 0.25%, ideally under 0.10% Resources Mentioned Books: "The Little Book of Common Sense Investing" by Jack Bogle "The Military Money Manual" by Spencer Reese (available at MWR Library, Libby app, Amazon) Investment Accounts: TSP (Thrift Savings Plan) - Military 401k Roth TSP and Roth IRA (tax-advantaged accounts) Recommended brokerages: Fidelity, Vanguard, Schwab Key Terms: LADS: Low-cost, Automated, Diversified, Simple Index fund vs. active management Expense ratio and basis points Asset location strategy Investment Policy Statement Previous Episodes Referenced: TSP deep dives (search podcast) Roth TSP vs. Roth IRA explanations "Do Better" episode on predatory companies Real-World Examples Lieutenant with $50K in checking account - proves military pay allows saving, just need to invest it Service member paid off all auto and student loans in 3 months of deployment Retirees with $250-500K in G Fund who missed out on millions Enron, WorldCom, Lehman Brothers - why diversification matters MicroStrategy (MSTR) - current example of concentrated risk Who This Episode Is For Military service members at any rank TSP participants unsure how to invest Anyone tempted by day trading, crypto, or "get rich quick" schemes New investors overwhelmed by options Service members paying high fees to financial advisors Anyone who wants a simple, proven wealth-building strategy Quick Action Steps Log into MyPay and increase TSP allocation (even 1% helps) Verify you're in appropriate Lifecycle Fund (birth year + 60-65 years) NOT in G Fund unless near retirement Set automatic annual increases (1% per year) Open Roth IRA at Fidelity, Vanguard, or Schwab Read "The Military Money Manual" (free at base library) Stop checking account daily - check quarterly at most Contact Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Book: "The Military Money Manual" (Amazon, $3 Kindle, free at MWR libraries) The Bogleheads philosophy has helped millions become millionaires through simple, low-cost index fund investing. As a military service member, you have access to one of the best low-cost investment vehicles in the world - the TSP. Stop overthinking it, automate your investments, and stay the course.  

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Running an agency today looks nothing like it did even a few years ago. What used to work: SEO-driven inbound leads, tight vertical niches, and predictable platforms, has shifted fast. Today's featured guest has learned to adapt to these changes and went from having a clear and defined niche to letting clients' needs guide the next steps for her business. She'll talk about navigating those changes, evolving your positioning, and deciding whether you're actually willing to do what adaptation requires. Laryssa Wirstiuk is the owner of Joy Joya, a boutique email and SMS marketing agency that serves women-focused, product-based e-commerce brands. With more than 15 years in marketing and over a decade running her own agency, Laryssa has lived through multiple shifts in platforms, buyer behavior, and agency models. Her background as a marketing generalist, working across SEO, social, and email, gave her the flexibility to adapt as the market changed. That adaptability, combined with a strong point of view on branding, inbound marketing, and outbound growth, made her a great guest for agency owners questioning what's next for their own businesses. In this episode, we'll discuss: Starting out with a clear niche and evolving along the way. Adopting a hybrid growth strategy. Personal brand vs. clear offers. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. How to Choose a Niche Without Getting Stuck In It Laryssa didn't stumble into her original niche by accident. After working across industries like tech, education, and healthcare, she realized none of them truly excited her. Jewelry stood out because of its mix of fashion, storytelling, and creativity. Rather than guessing, she intentionally took in-house and freelance roles in the jewelry industry to build credibility before going all in. That vertical focus paid off. By committing to a specific industry, Laryssa was able to build a strong referral network, speak at trade shows, and create highly targeted content that drove inbound leads. But after nine years in the jewelry space, she noticed that the biggest results she delivered for clients consistently came from email marketing. What started as one service among many became the clear driver of ROI. The shift from a vertical niche (jewelry) to a horizontal specialization (email and SMS marketing) wasn't a sudden pivot. It was a response to real performance data. Stronger results, clearer processes, and deeper expertise made the decision feel natural. Your niche should serve your strengths, not trap you in yesterday's model. Why Inbound Alone Is No Longer Enough For most of Joy Joya's history, inbound marketing did the heavy lifting. Content, SEO, YouTube, and a podcast tailored to the jewelry industry created steady deal flow without much outbound effort. That's one of the biggest benefits of vertical focus: you can dominate a small pond with the right content and relationships. But the market shifted. Search behavior changed. Social algorithms changed and AI entered the picture. Laryssa realized that relying solely on inbound was no longer enough. Over the past year or two, she intentionally started building outbound muscles: cold email, cold calling, LinkedIn outreach, and systems that allowed her team to support those efforts. The key insight here isn't that inbound is dead, it's that inbound alone is risky. Agencies that survived and grew were willing to adapt their acquisition mix, even when it meant doing uncomfortable things. The Hard Question Every Agency Owner Faces Adapting isn't just about strategy. You should also ask yourself whether you want to do what's required next. New platforms, new sales motions, and new expectations can trigger an existential crisis for long-time owners. You don't have to love every part of running an agency, but you do need the discipline to face the things you'd rather avoid. The solution isn't grinding forever but rather identifying what you don't enjoy, systemizing it, delegating it, or removing it altogether. Agency owners should get comfortable with change as a necessary part of running an agency. The hard part is that change often targets the things you already tolerate but don't love. That's why many agencies stall. The owners don't hate their situation enough to change it but they don't love it enough to stay fully committed either. When Personal Brand Creates Attention But Not Conversions As AI and recommendation engines influence buying decisions, developing a personal brand becomes vital when it comes to being recommended by these tools. People want to work with leaders whose beliefs, values, and perspectives they understand. That's why podcasts, long-form content, and consistent points of view matter more than ever. In her case, Laryssa shared an unexpected challenge after developing her personal brand. She had built such a strong personal and brand identity that many people understood her perspective but didn't fully understand what her agency actually did. In some cases, prospects were more familiar with the brand name than the services behind it. The lesson for agency owners is balance. Thought leadership without clear offers creates attention without conversion. As platforms evolve, it's not enough to educate—you need to connect that education to the right services, for the right audience, at the right time. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

Financial planning with 529 plans has changed in a big way. What was once just a college savings tool can now become a powerful strategy for long-term, tax-free retirement wealth when used correctly. In this episode of the Wise Money Show, we break down the new 529-to-Roth IRA rules, who this strategy works for, and the key pitfalls to avoid. Learn how this little-known opportunity could potentially create six or even seven figures of retirement income over time. Season 11, Episode 22 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/pXgUvJFhu2I  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Most people treat personal branding as a content exercise, but this episode reframes it as a trust and sales acceleration system. Brandon breaks down why familiarity beats persuasion, how brand changes buyer behavior before the first call, and why informational content rarely converts.You'll learn the three types of content that actually drive revenue, how authority is signaled through perspective, and why personal brand acts as career insurance for reps, founders, and leaders. This episode offers a practical lens for using visibility as leverage... not vanity.

Interview with Ryan King, EVP Capital Markets of Equinox GoldOur previous interview: https://www.cruxinvestor.com/posts/equinox-gold-tsxeqx-canadian-gold-giant-forms-in-merger-of-equals-with-calibre-mining-6826Recording date: 14th January 2026Equinox Gold concluded 2025 with record-breaking production of 920,000 ounces, including a quarterly high of 247,000 ounces in Q4, driven primarily by its ramping Canadian operations. The Greenstone mine in Northern Ontario demonstrated particularly strong momentum, increasing output by 29% quarter-over-quarter as the company transitions from construction to operational excellence.In a strategic pivot prioritizing quality over quantity, Equinox announced the sale of its four Brazilian mines for over $1 billion. These assets, producing 200,000-250,000 ounces annually, will be divested to reduce the company's $1.5 billion debt load by more than $800 million and refocus operations on tier-one North American jurisdictions. Executive Vice President Ryan King emphasized that management's expertise lies in optimizing large-scale open pit operations rather than managing multiple smaller mines.Production guidance for 2026 is set at 700,000-800,000 ounces with all-in sustaining costs of $1,800-1,900 per ounce. Canadian assets alone are expected to deliver 400,000-500,000 ounces at industry-leading margins, representing two-thirds of total output from the company's highest-quality operations.The company maintains a robust organic growth pipeline without requiring acquisitions. Castle Mountain in California is advancing through federal permitting with a decision expected in Q4 2026, potentially adding 200,000-225,000 ounces annually. The Los Filos expansion in Mexico could contribute 250,000-300,000 ounces yearly once community land access issues are resolved. Combined with phase 2 expansion opportunities at Newfoundland assets, these projects could add 450,000-700,000 ounces of annual production.Management is prioritizing operational execution and deleveraging over mergers and acquisitions, with the company potentially becoming nearly debt-free by year-end 2026. This improved financial position opens possibilities for shareholder returns through buybacks or dividends while maintaining a $300 million capital expenditure budget and $75-100 million exploration program focused on expanding resources at existing operations.View Equinox Gold's company profile: https://www.cruxinvestor.com/companies/equinox-goldSign up for Crux Investor: https://cruxinvestor.com

Many retreat leaders are stuck running one-off retreats - constantly reinventing the wheel, hustling for new sign-ups, and exhausting themselves with fresh marketing every time. But the smartest, most sustainable retreat businesses? They build signature retreats that become a recognizable, in-demand part of their brand. In this episode, Shannon breaks down how to turn your retreat into a powerful brand asset that builds loyalty, grows every year, and creates recurring revenue through alumni and long-term client pathways. You'll learn how to create a retreat theme people return to annually, how to build anticipation year-round, and how to turn your retreat into the top of a pipeline for courses, coaching, memberships, and more. This is next-level retreat business strategy - and every leader who's tired of starting from scratch needs to hear it. Key Takeaways A signature retreat theme creates recognition, trust, and brand identity. Alumni are your easiest, most profitable guests - and a signature retreat keeps them coming back. One-off retreats are exhausting and keep you in constant hustle mode. A successful retreat begins the day the previous one ends - anticipation-building matters. A signature retreat becomes a pipeline for courses, coaching, memberships, and next-level offers. When done right, your retreat becomes a cornerstone asset - not a one-time event. The Retreat Leaders Podcast Resources and Links: Learn to Host Retreats Join our private Facebook Group Top 5 Marketing Tools Free Guide Get your legal docs for retreats Join Shannon in Denver at the Retreat Industry Forum  Join our LinkedIn Group Apply to be a guest on our show Thanks for tuning into the Retreat Leaders Podcast. Remember to subscribe for more insightful episodes, and visit our website for additional resources. Let's create a vibrant retreat community together! Subscribe:  Apple Podcast | Google Podcast | Spotify ----- TIMESTAMPS Benefits of a Signature Retreat Theme (00:01:24) Discusses how a signature theme creates consistency, builds trust, and encourages repeat attendance. Choosing the Right Theme (00:03:46) Advice on selecting a retreat theme that aligns with your brand and attracts annual returnees. Leveraging Alumni for Retreat Sales (00:04:56) Explains why alumni are the best source for retreat sales and how to nurture them. Delivering Unforgettable Experiences (00:05:50) Stresses the importance of providing memorable retreats to encourage alumni to return. Alumni Perks & First Access (00:06:45) Describes offering alumni early booking, priority, and small discounts or bonuses. Year-Round Alumni Engagement (00:07:42) Shares strategies for maintaining genuine connections with alumni throughout the year. Pitfalls of One-Off Retreats (00:08:34) Explains how constantly reinventing retreats leads to burnout and inconsistent revenue. Building Anticipation Year-Round (00:09:36) Outlines ways to keep excitement high for your signature retreat all year, not just before launch. Content Pillars & Ongoing Promotion (00:12:39) Recommends creating and using content pillars to promote retreats and build anticipation. Integrating Retreats into a Revenue Pipeline (00:13:47) Shows how retreats can feed into other offers (courses, memberships, coaching) and vice versa. Final Thoughts & Call to Action (00:15:02) Encourages listeners to build legacy retreats and invites them to the Retreat Industry Forum.

Ron O'Hanley, Chairman and CEO of State Street, is back on the podcast for a wide‑ranging discussion, looking back on the main stories of 2025 and ahead to the forces shaping 2026. Ron and host Tim Graf explore whether risks that once loomed large have faded or simply changed form, and how growth, monetary policy, and AI‑led investment may influence markets in 2026. Asset allocation trends, private markets expansion and global currency dynamics feature, before concluding with a view of State Street's strategic priorities — from AI adoption to digital assets and ETFs.See omnystudio.com/listener for privacy information.

One of the biggest mistakes in personal finance is how quickly conversations turn into either/or debates. Invest or insure, trust the market, or play defense. Something is a scam, or it's the answer. The problem is, real financial progress rarely comes from choosing sides. It comes from using the right tools together instead of pretending one tool should do everything. This shows up clearly in the way people talk about retirement plans. People have strong opinions about 401(k)s, especially the idea that the match is a scam. But that argument falls apart once you actually slow down and look at how it works. That idea carries into the way people think about insurance. Insurance isn't an investment, and treating it like one creates bad expectations on both sides. But dismissing it because it's not an investment misses what it's actually designed to do. The more interesting question isn't "what's the return," but "what role does this play in the system?" Being dogmatic about any tool, whether it's a 401(k), insurance, or the market, usually leads to worse outcomes. In this episode, the author of The And Asset and founder of BetterWealth, Caleb Guilliams, returns. We dig into the idea of giving your dollars more than one job, how money can be safe and accessible at the same time, and boring on the surface, but incredibly useful when integrated correctly.  Things You'll Learn In This Episode  Why financial labels block better decisions We don't reject strategies because they fail; we reject them because of what they're called. How does labeling something "insurance," "investment," or "scam" stop you from seeing its true value? Why value matters more than rates of return Cost only feels expensive when the value isn't clear. What happens when you stop asking "what does this pay?" and start asking "how many jobs does my money do at once?" Changing your mind is a sign of financial maturity Rigid beliefs feel safe, but they often lead to bad advice. Why is the willingness to evolve a marker of credibility, not weakness? How AI will quietly replace most financial advice models What will happen when software can analyze, design, and optimize financial decisions faster and more accurately than most humans ever could?   About the Guest Caleb Guilliams is the author of "The and Asset", a podcaster, investor, speaker, and the founder and CEO of Better Wealth Solutions, a company committed to showing people how to be more efficient and control their money today while maximizing their future wealth potential. BetterWealth is a company that is fascinated with the idea of ordinary people being able to achieve extraordinary wealth. Caleb and his team have discovered proven strategies & principles that can empower anyone to create & protect real wealth. For more information, go to https://betterwealth.com/. Go to https://thewholelifesummit.com/2026  to learn more about the Summit and buy the book at https://betterwealth.com/bookstore.   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.    Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download).   Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

Which commercial real estate asset type is right for you—Multifamily, Mobile Home Parks, Self‑Storage, Flex Space, or Mixed‑Use? In this podcast, Peter Harris delivers a direct, no‑nonsense, head‑to‑head comparison of the pros and cons of each property type so you can understand where the real opportunities and challenges lie.

As artificial intelligence accelerates, many leaders, founders, and professionals are quietly asking the same question: Where do I still matter? If machines can write, analyze, summarize, and even "sound" human, what is left that cannot be automated? In this episode of On the Brink, I sat down with branding strategist and neuroscientist-turned-entrepreneur Carey James, co-founder of Brand Alchemy, to explore why a personal brand—not technology—is becoming the defining asset of the future. What emerged was a powerful reframing of branding—not as self-promotion, but as survival. Branding Isn't About Visibility—It's About Trust Carey's journey began in neuroscience labs and academic research, where brilliant minds often remain invisible. In these labs, the work mattered deeply, yet few people beyond their field ever heard about it. That disconnect led him to a simple realization: impact doesn't scale unless people know who you are. Branding, in Carey's view, is not about being flashy or loud. It is about becoming trustable at scale. Human beings evolved to live in tribes. We trusted the hunter, the healer, the builder—not because of logos or résumés, but because we knew who they were. That same ancient wiring still governs modern decision-making. Whether we are choosing a consultant, an executive hire, a keynote speaker, or a company to invest in, the first question is rarely "Is this organization impressive?" It is almost always: Do I trust this person? Your Name Is the Asset—Not the Logo One of Carey's most important insights is deceptively simple: your personal name is likely the most valuable asset you will ever own. Companies come and go. Products evolve. Roles change. But trust attached to your name transfers from project to project. This is why serial entrepreneurs can fail, pivot, and succeed again—while others disappear after one setback. In the age of AI, this becomes even more critical. You will not always be the smartest voice in the room. Algorithms already out-compute us. What they cannot replicate, however, is your lived experience, judgment, pattern recognition, and imperfections. Those human elements—your way of thinking, questioning, connecting ideas—are what create differentiation. The "Label on the Bottle" Problem Most people struggle to articulate their own brand because they are trapped inside it. Carey calls this the label-on-the-bottle syndrome: when you are inside the bottle, you cannot see the label. The solution is not more introspection—it is perspective. Carey encourages leaders to do what great organizations already do through 360-degree reviews: ask others how they experience you. Patterns emerge quickly. Strengths, quirks, values, and stories surface that feel obvious to everyone else—but invisible to you. This external clarity becomes the foundation of an authentic brand, not a manufactured one. Watch our podcast with Carey James here. Connect with me: Website: www.simonassociates.net Email: info@simonassociates.net Learn more about our books here: Rethink: Smashing the Myths of Women in Business Women Mean Business: Over 500 Insights from Extraordinary Leaders to Spark Your Success On the Brink: A Fresh Lens to Take Your Business to New Heights Watch for our new book, Rethink Retirement: It's Not The End--It's the Beginning of What's Next. Due out Spring 2026. Listen + Subscribe: Available wherever you get your podcasts—Apple, Spotify, Stitcher, YouTube, and more. If you enjoyed this episode, leave a review and share with someone navigating their own leadership journey. Reach out and contact us if you want to see how a little anthropology can help your business grow.  Let's Talk!

Trump To Take Action Against Iran, Sets Eyes On Greenland As Crucial US National Security Asset As Leftist Domestic Uprising Continues

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training If AI can now write, design, and build faster than your team, what does a profitable agency actually sell next? Most agency owners have experienced a weird mix of excitement and anxiety about AI. On the surface, it feels like everything is changing overnight, including websites, content, search, development, and even how clients perceive value. Underneath that panic, though, there's a calmer truth: the fundamentals of running a great agency haven't changed at all. The tools have. Today's featured guest talks candidly about where AI actually helps agencies, where it's wildly overhyped, and why agency owners who focus on systems, relationships, and leverage will win while everyone else burns out chasing shiny tools. Eric Weidner is the founder of Workbox, a digital agency specializing in websites and custom applications for pharmaceutical companies and pharma marketing agencies. With a background that stretches back to the early days of the web, Eric has built, rebuilt, and adapted his agency multiple times, and today he's deep in the practical application of AI for real agency work, not just demos and hype. In this episode, we'll discuss: How agencies are positioned to win with AI. Avoid creating client disappointment with incorrect use of AI. The brutal reality for agencies that rely on "set it and forget it" marketing. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. The Road to Becoming a Long-Term Agency Operator Eric fell into web development in the mid-90s while working as a secretary administrator at a law firm in San Francisco. Exposure to early tech including computer networks, WordPerfect, XML, and eventually HTML turned into freelance work. That freelance work led to clients and eventually an agency. His story mirrors how most agencies actually begin, with skill, opportunity, and momentum. The problem is that what gets you started is rarely what helps you scale. Eric's longevity comes from his willingness to evolve without abandoning the fundamentals that keep agencies profitable. And that's the trap many agency owners fall into today: assuming AI is a complete reset instead of a force multiplier for the right business model. Why AI Feels Like a Career Defining Moment for Agencies When ChatGPT first came out, Eric didn't treat it like a novelty. He went all in because, for the first time in years, the intellectual challenge of building and running an agency felt exciting again. For a lot of seasoned agency owners, the business had become… static. Same services. Same delivery challenges. Same team bottlenecks. AI cracked that open. Suddenly, there were new problems to solve, new efficiencies to unlock, and new ways to multiply output without multiplying headcount. Ai introduced a chance to rethink how work gets done, how fast ideas move, and how agencies create leverage, not just more work. Eric has no blind optimism when it comes to AI. It isn't magic, and it's not ready to replace strategic thinking. But it is a force multiplier for agencies that understand systems. That's the opportunity most agencies are missing. Instead of asking, "How do we sell AI to clients?" the smarter question is: "How do we use AI to reduce friction, speed up delivery, and improve results—then package that advantage?" Agencies that do this become faster, leaner, and more profitable. Agencies that don't end up stuck in fulfillment, competing on price, and drowning in tools they don't fully understand. AI Is Powerful But It Still Needs a Human Brain AI tools can feel like a superpower, especially if you've never loved certain parts of your job. Writing, development, ideation, and prototyping are faster than ever. But there's a catch. AI works best at the first pass. Ask it to build a landing page, mock up a system, or outline functionality, and it shines. Ask it to make nuanced, detailed changes across a complex system, and it starts to fall apart. In a  sense, AI is like a drunk intern—brilliant on the first assignment, frustrating when you ask for revisions. For agency owners, this matters because selling AI as a silver bullet is a fast way to create client disappointment. The agencies that win will be the ones who understand where AI increases leverage and where human judgment still matters. Websites, Search, and the Shift Nobody's Talking About One of the most important things to understand if you're building a website nowadays is that we're not building websites just for humans anymore. As AI-driven search becomes more dominant, users don't always need to click through to a site to get answers. That changes how content, SEO, and authority work. Eric points to GEO—Generative Engine Optimization—as the next evolution of SEO, where freshness, clarity, and structured authority matter more than volume. This creates a brutal reality for agencies that rely on "set it and forget it" marketing. To stay visible, brands must publish consistently. Content often needs to be less than 90 days old to stay relevant in AI-driven systems. For agency owners already stuck in fulfillment, this is a warning sign. More services, more content, more tools without better systems just equals faster burnout. Content Alone Isn't Enough. Your Voice Builds Trust With AI flooding the internet with content, differentiation matters more—not less. People don't just consume content, they build relationships with voices they trust. That's why podcasts, communities, and consistent thought leadership outperform random marketing tactics. When people hear you think out loud for years, trust compounds. In an AI-saturated world, that human connection becomes the advantage. Or as Jason puts it: when agency owners say they need more leads, the answer is often boring but effective. Build a platform. Build trust. Stay visible. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

If you're 50 years old, how do you decide whether to max out your 401(k), Roth IRA, or HSA? The right answer depends on more than just tax benefits; it requires looking at all six areas of your financial life. In this bonus episode, we break down the risks, trade-offs, and planning considerations to help you make the wisest move for your retirement and tax strategy. Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/0J-nm3kljI4  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Listen to this episode, and upgrade your quality of life in 2026. In this week's podcast, Emily dives deep into a concept she calls Energy ROI—Return on Investment. As we navigate the start of a new year, it’s common to feel pressured to do more, but Emily challenges us to look at our calendars and ask: "What is the cost of this entry versus the payoff?" Emily breaks down her "Four Quadrants of Effort" to help you identify where you are gaining momentum and where you are leaking energy. She also shares tactical tools like "Firing the Drain" and the "Power of the Floor" to help you move from decision fatigue into a state of strategic underperformance. By the end of this episode, you won't just have a to-do list; you'll have a "to-don't" list and a clear path to making this year one of actual growth, not just grinding. IN THIS EPISODE The Four Quadrants of Effort: A breakdown of the Sweet Spot (Low Effort/High Joy), The Investment (High Effort/High Joy), The Drain (High Effort/Low Joy), and The Ghost (Low Effort/Low Joy). The Health Halo Trap: Why we often mistake suffering for progress and how to identify "healthy" habits that are actually costing you more than they give back. Four Pointed Questions: Emily offers an audit for your performance wellness versus your actual wellness. The Power of the Floor: Defining the bare minimum you do on your hardest days to ensure you never fail or "end up in the red." The 70% Rule: Why giving 70% effort to mundane tasks allows you to save 100% for the things that truly matter. Eliminating Decision Fatigue: How establishing a consistent routine and planning ahead can preserve your finite energy for the big hurdles. MENTIONED IN THIS EPISODE The Pivot Year by Brianna Wiest Gabby Thomas on Hurdle SOCIAL@emilyabbate@iheartwomenssports JOIN: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Daily Hurdle IG Channel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ SIGN UP: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Weekly Hurdle Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ASK ME A QUESTION: Email hello@hurdle.us to with your questions! Emily answers them every Friday on the show. Listen to Hurdle with Emily Abbate on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.See omnystudio.com/listener for privacy information.

00:00 - Intro 00:25 - Cash is guaranteed to lose purchasing power 02:34 - Cash has no built-in growth mechanism 05:52 - Cash puts in you on the wrong side of the system 08:52 - Cash makes you overpay for safety 10:27 - Cash delays ownership transition Tools: Protect yourself online with NordVPN: https://www.nordvpn.com/alux Get a free audiobook when you sign up: https://www.alux.com/freebook Start an online store today: https://www.alux.com/sell Sell an online course: https://try.thinkific.com/f5rt2qpvbfokAlux.com is the largest community of luxury & fine living enthusiasts in the world. We are the #1 online resource for ranking the most expensive things in the world and frequently referenced in publications such as Forbes, USAToday, Wikipedia and many more, as the GO-TO destination for luxury content! Our website: https://www.alux.com is the largest social network for people who are passionate about LUXURY! Join today! SUBSCRIBE so you never miss another episode: https://goo.gl/KPRQT8 -- To see how rich is your favorite celebrity go to: https://www.alux.com/networth/ -- For businesses inquiries we're available at: https://www.alux.com/contact/

Does more experience always lead to better outcomes? In this episode of The ABMP Podcast, Doug Nelson explores both sides of the experience debate—when years in practice enhance clinical insight, and when they can quietly become a limitation. Doug also digs into the concept of therapeutic drift, how habits form over time, and why even well-intentioned clinicians can stray from best practices.  Host: Douglas Nelson is Board Certified in Massage Therapy and Therapeutic Bodywork, beginning his career in massage therapy in 1977.  Seeing over 1,200 client visits annually for decades, he is also the owner of BodyWork Associates, a massage therapy clinic in Champaign, IL. with 21 therapists that was established in 1982. He is the founder of NMT MidWest, Inc., providing training in Precision Neuromuscular Therapy™ across the USA. He has personally taught more than 13,000 hours of continuing education and is the author of three books. Doug is a past president of the Massage Therapy Foundation. Sponsors: Anatomy Trains is a global leader in online anatomy education and also provides in-classroom certification programs for structural integration in the US, Canada, Australia, Europe, Japan, and China, as well as fresh-tissue cadaver dissection labs and weekend courses. The work of Anatomy Trains originated with founder Tom Myers, who mapped the human body into 13 myofascial meridians in his original book, currently in its fourth edition and translated into 12 languages. The principles of Anatomy Trains are used by osteopaths, physical therapists, bodyworkers, massage therapists, personal trainers, yoga, Pilates, Gyrotonics, and other body-minded manual therapists and movement professionals. Anatomy Trains inspires these practitioners to work with holistic anatomy in treating system-wide patterns to provide improved client outcomes in terms of structure and function.                      Website: anatomytrains.com                        Email: info@anatomytrains.com             Facebook: facebook.com/AnatomyTrains                       Instagram: www.instagram.com/anatomytrainsofficial   YouTube: https://www.youtube.com/channel/UC2g6TOEFrX4b-CigknssKHA    Precision Neuromuscular Therapy seminars (www.pnmt.org) have been teaching high-quality seminars for more than 20 years. Doug Nelson and the PNMT teaching staff help you to practice with the confidence and creativity that comes from deep understanding, rather than the adherence to one treatment approach or technique. Find our seminar schedule at pnmt.org/seminar-schedule with over 60 weekends of seminars across the country. Or meet us online in the PNMT Portal, our online gateway with access to over 500 videos, 37 NCBTMB CEs, our Discovery Series webinars, one-on-one mentoring, and much, much more! All for the low yearly cost of $167.50. Learn more at pnmt.thinkific.com/courses/pnmtportal!  Follow us on social media: @precisionnmt on Instagram or at Precision Neuromuscular Therapy Seminars on Facebook.  

Why the System Feels Rigged And How to Live Free Anyway   Many successful people carry a quiet, unsettling thought they rarely say out loud: "I've done everything right… so why does this still feel so hard?"   In this Richer Soul conversation, Rocky sits down with veteran investor and author Paul Musson to explore why so many people feel financially and emotionally squeezed — even when they're disciplined, intelligent, and responsible.   Key Takeaways from the Conversation: Money isn't wealth. Real wealth comes from creating value, not inflated prices or easy debt. Rising assets don't equal progress. Asset inflation often creates stress and division, not security. You don't need certainty to live well. Clarity and values matter more than predicting outcomes. Success without alignment feels empty. When money leads, peace falls behind. A rich life starts within. Inner clarity and integrity matter more than external systems.   Money Learning from Paul Musson: Money doesn't create wealth — capital does. When wealth comes from rising asset prices or easy debt instead of real contribution and productivity, people feel richer on paper but poorer in peace. Paul reminds us that true financial wellbeing comes from creating value, saving and investing thoughtfully, and resisting the pressure to chase inflated outcomes. When you focus on capital creation over consumption, money becomes a tool for stability and freedom — not a source of stress or fear.   Key Takeaway: You don't need to beat the system to live a rich life. You need to understand it — release what was never yours to control — and choose who you want to be inside it. True wealth begins with clarity, integrity, and peace.   Bio: Paul Musson is an investment veteran with over 30 years of experience, including leading the $10 billion Mackenzie Ivy Funds. Now, through his blog and podcast, Paulitical Economy, he cuts through the jargon to explain the forces shaping our money and future. He gives people a voice by helping them understand the monetary system, what policymakers are doing, and what we need to demand from them to create real change.   Links: Website: https://paddingtoncapitalmgmt.com/  Facebook: https://www.facebook.com/paddingtoncap  LinkedIn: https://www.linkedin.com/in/paulbmusson/  Instagram: https://www.instagram.com/paddin   This episode isn't about blaming the system. It's about seeing it clearly, so you can stop internalizing stress that was never yours to carry.   #RicherSoul #MoneyMindset #InnerWealth #WealthWithPurpose #FinancialClarity #CapitalCreation #EthicalWealth #TrueWealth #IntentionalLiving #GenerationalWealth   Watch the full episode on YouTube: https://www.youtube.com/@richersoul Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well-being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening!   Show Sponsor: http://profitcomesfirst.com/   Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes   If you like the show please leave a review on iTunes: http://bit.do/richersoul   https://www.facebook.com/richersoul http://richersoul.com/ rocky@richersoul.com   Some music provided by Junan from Junan Podcast   Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Divorce can bring emotional stress—and financial decisions made too quickly can have lasting consequences. Asset division, especially when real estate is involved, is more complex than it may appear. The “Henssler Money Talks” hosts address a question involving divorce, home equity, and family planning: What should you consider before transferring ownership of a house to an adult child?Original Air Date: January 10, 2026Read the Article: https://www.henssler.com/divorce-decisions-can-create-long-term-financial-consequences

Ruth S. Shim, M.D., M.P.H., and Alex Shevrin Venet, M.Ed., join Dr. Dixon and Dr. Berezin, along with guest host Dr. Matt Hirschtritt to discuss equity-centered trauma-informed education (ECTIE), a model that can be applied across the educational spectrum. 04:15     Expanding equity-centered trauma-informed education (ECTIE) beyond K–12 05:59    Five core components 10:25    Reception from teachers and school administrators to ECTIE 12:41    Unconditional positive regard 14:22    How did your collaboration begin? 17:29    Medical school and TIE 19:42    Bidirectional nature of ECTIE 22:00    "Asset-based lens instead of a lens of saviorism" 24:45    Take home points on ECTIE Transcript Subscribe to the podcast here. Check out Editor's Choice, a set of curated collections from the rich resource of articles published in the journal. Sign up to receive notification of new Editor's Choice collections. Browse other articles on our website. Be sure to let your colleagues know about the podcast, and please rate and review it wherever you listen to it. Listen to other podcasts produced by the American Psychiatric Association. Follow the journal on Twitter. E-mail us at psjournal@psych.org

In this engaging conversation, Paul Shannon discusses the nuances of being an investor versus an entrepreneur in the real estate space. He emphasizes the importance of asset agnosticism, multiple exit strategies, and the evolving role of limited partners in today's market. The discussion also touches on current market conditions, investor sentiment, and the significance of teamwork in multifamily investing. With a focus on long-term wealth building and strategic decision-making, the conversation provides valuable insights for both seasoned investors and newcomers alike.TakeawaysThere's a distinction between being a good investor and a good entrepreneur.Asset agnosticism allows for flexibility in investment strategies.Having multiple exit strategies is crucial for risk management.Day one cash flow is important to ensure stability in investments.Floating rate debt can be risky in volatile markets.Limited partners are becoming more educated and cautious.Investor sentiment is improving but still cautious after recent market challenges.Teamwork is essential in multifamily investing to cover various skill sets.Long-term wealth is built through patience and strategic investments.Current market conditions suggest a cautious approach to new acquisitions. Chapters00:00 Introduction and Setting the Stage02:11 Investor vs. Entrepreneur Mindset03:56 Asset Agnosticism in Real Estate06:49 Frameworks for Evaluating Deals12:15 Long-Term Financing Strategies15:43 Current Cash on Cash Returns20:16 The Limited Partner Perspective27:02 Shifting Sentiments Among LPs30:52 The Future of Syndication and LP Education33:18 Navigating Market Cycles and Investor Mindset34:56 The Importance of Partnerships in Investing36:13 Balancing Entrepreneurial Spirit with Investor Discipline38:08 Understanding Local Market Dynamics40:40 The Role of Interest Rates and Economic Indicators42:59 Operational Excellence in Multifamily Investments46:15 The Entrepreneur vs. Investor Mindset49:13 Personal Habits for Success52:39 Bold Predictions for the Multifamily Market We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. They have created the Jake & Gino Premier Multifamily Community to teach others a simple three-step framework for investing in multifamily real estate. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dr. Ashby Monk is the Executive and Research Director of the Stanford University Global Projects Center. He is also a Senior Research Associate at the University of Oxford, a Senior Advisor to the Chief Investment Officer of the University of California, and the co-founder of Long Game. Ashby advises sovereign wealth funds and large pension funds, and is involved with a bunch of fin tech companies, all of which attempt to create innovative solutions to fixing the financial future for individuals, pensions and countries in the years ahead. Our conversation starts with Ashby's early work experience and path through academia, and flows into an exploration of next generation, lower cost approaches to active management for large asset owners.  We touch on investing in public equity, private equity, venture capital, and hedge funds using examples from the Canadian and Australian pensions, New Zealand Super Fund, and University of California endowment. Lastly, we discuss Long Game, an innovative company seeking to improve personal savings in the U.S.  Ashby is a passion-driven, creative thinker who rightfully has the ear of some of the most important pools of capital in the world.  His ideas will change the way you think about allocating capital.   Learn More  Follow Ted on Twitter at @tseides or LinkedIn  Subscribe to the mailing list  Access Transcript with Premium Membership    Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)

Dr. Ashby Monk is the Executive and Research Director of the Stanford Research Initiative on Long-Term Investing. Over the last two decades, Ashby has worked closely with some of the world's largest sovereign wealth funds and pension funds on governance, organizational design, technology, and investment strategy. He is also a co-founder of KDX Management, a venture capital firm focused on investech, a co-founder of several startups in the space, and a repeat past guest on the show. His first and most recent appearances are replayed in the feed.   Our conversation explores the increasingly popular Total Portfolio Approach, Ashby's perspective on the role of AI and data in the investment office of the future, including his work with Hoopit AI, a very cool relationship intelligence platform, and examples of innovation at Saudi Arabia's Public Investment Fund and the New Mexico State Investment Council. Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership   Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)

This week on Marketing O'Clock: Performance Max introduces new asset-level A/B testing experiments, Gmail rolls out major updates with Gemini integration, and more digital marketing news.Visit us at - https://marketingoclock.com/

In this episode of Dynasty Fantasy Football Asset Autopsies: Value Traps & Hidden Upside, we take a market-first approach to dynasty player evaluation.We break down why certain players are priced the way they are, what dynasty managers are missing, and what has to happen for their value to change. This isn't about hot takes — it's about understanding process, timing, and insulation in real dynasty leagues.Kaleb Johnson (RB, Pittsburgh)Travis Hunter (WR, Jacksonville)J.J. McCarthy (QB, Minnesota)Keon Coleman (WR, Buffalo)Tua Tagovailoa (QB, Miami)Timecodes00:00 Intro00:57 Dynasty Asset 109:06 Dynasty Asset 219:45 Dynasty Asset 326:42 Dynasty Asset 432:03 Dynasty Asset 538:49 Rapid FireMarvin Harrison Jr., Garrett Wilson, Trey Benson, Brian Thomas Jr., Cade Otton, Travis Kelce, Kimani Vidal, Kareem HuntEach breakdown ends with a clear Buy / Hold / Sell verdict and the right timing to act.If you care about avoiding bad bets and building long-term dynasty leverage, this is the show for you.

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training How big do you actually want your agency to become? Does the idea of running a massive team sound exciting or completely exhausting? For many agency owners, scaling feels less like growth and more like trading freedom for complexity. Scaling an agency isn't about hustle. It's about surviving the moments that almost break you, building systems that actually work, and accepting that what got you here won't get you there. Today's featured guest understands that running a big agency is about structure and leadership. He's grown a global agency to 700 people without losing profitability, sanity, or culture and now he'll unpack the hard-earned lessons that most agency owners don't think about until it's too late. Nital Shah is the co-founder of Mavlers, a full-service, lifecycle digital agency headquartered in India, with operations supporting global brands and agencies across multiple geographies. Today, Nital leads a 700-person organization focused on marketing operations, delivery excellence, and scalable systems for agencies around the world. Having experienced both sides of the agency equation, client-side pressure and operational scale, Nital brings a grounded, operator-first perspective to growth, profitability, and leadership. In this episode, we'll discuss: An early principle: Profit should be intentional. Achieving operational excellence at scale. Structuring scale to make it manageable. Why alignment beats micromanagement. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. The Wake-Up Call: COVID, Cash Flow, and Retainers Like many agencies, Nital's biggest inflection point came during COVID. Before the disruption, the agency was focused heavily on top-line revenue rather than predictable recurring income. When 40 percent of revenue disappeared almost overnight, the weakness in that model became painfully obvious. Luckily, the agency's consistent focus on profit from day one helped them overcome this ordeal. However, it changed Nital's perspective on retainers and helped him understand that, without retainers, any similar unexpected bump in the road could destroy the agency. The agency had enough cash flow to survive the shock and rebuild and the lesson was clear: at scale, a large team without consistent recurring revenue is fragile. Retainers aren't just about stability; they are about survival. The other advantage that helped soften the blow was diversification. By spreading clients across industries and geographies, the agency avoided being wiped out by a single market downturn. When one region slowed, others carried the load. That balance didn't eliminate pain, but it reduced risk in a way most agencies underestimate until they feel it firsthand. Profit Is Not an Afterthought One of the most important principles Nital and his co-founder agreed on early was: profit must be intentional. It's not something you hope shows up at the end of the year. It's something you design into the business. That mindset shapes everything from service selection to client qualification. The agency actively avoids hyper-competitive, race-to-the-bottom services and continually evolves its offerings as markets become saturated. When a service becomes unprofitable, they pivot. When a client isn't aligned or drains margin, they say no. Profit isn't just about owner income. It funds experimentation, innovation, and future growth. Without margin, you can't test new services, pivot when the market shifts, or invest in better systems. You just stay busy. And busy is often the enemy of profitable. Operational Excellence at Scale Running a 700-person agency isn't about heroics but about process. Nital is clear that consistent, documented, and enforced workflows are what reduce mistakes, rework, and delivery friction. The agency is structured into service-based business units, each with its own leadership and accountability. On top of that sits a customer success layer that ensures delivery stays aligned with expectations. Everyone is trained on defined protocols, and those protocols exist to protect quality, not bureaucracy. When processes are clear and followed, the probability of hitting client outcomes increases. That reduces rework, lowers internal stress, and improves margins. In a people-driven business, operational discipline is what turns chaos into leverage. Alignment Beats Micromanagement One of the hardest challenges for Nital's agency came after rapid post-COVID growth, when the team doubled in size and remote work became the norm. Processes broke, alignment slipped, and as a result, communication suffered. The turning point came with adopting the Scaling Up framework by Vern Harnish. This framework, aimed at businesses ready to scale in a more structured manner, forced clarity across four areas: people, strategy, execution, and cash. More importantly, it created alignment from leadership all the way down to individual contributors. Every team member understands how their work connects to departmental goals, quarterly priorities, and long-term vision. When people understand the why behind the process, ownership replaces micromanagement. Accountability becomes cultural, not enforced. Leadership, Tough Calls, and A-Players When it comes to mistakes in team alignment, Nital openly acknowledges that the team that gets you to one stage may not be the team that gets you to the next. That realization isn't easy, especially when loyalty and shared history are involved. But over the last two years Nital has embraced the fact that growth demands adaptability. The agency now prioritizes agility, learning speed, and ownership. When someone can't evolve with the business, they are given time, feedback, and support, but the standard doesn't change. You don't win championships by protecting weak links. You win by putting the best players on the field while still treating people with respect and empathy. It's not cold. It's responsible leadership. Structuring Scale So It's Manageable When Nital decided to go back to India and start an agency, his mentor back in Australia offered him the chance to run their offshore center. From there, he started supporting other agencies in several countries and expanded his team to where they are now. Seven hundred people sounds overwhelming until you understand the structure. Instead of one massive organization, the agency operates as multiple business units, each capped around 100 to 150 people and run as its own P&L. This turns an impossible leadership problem into a manageable one. Leaders focus on coaching their direct reports, not managing hundreds of individuals. Each layer carries responsibility downward, creating clarity instead of bottlenecks. As Nital points out, no founder manages 700 people directly. You manage your leadership team. And if that team is strong, aligned, and accountable, scale becomes less scary and far more sustainable. The Future: AI, Change, and Opportunity Despite the uncertainty surrounding AI and marketing technology, Nital is optimistic. The pace of change has leveled the playing field. Years of experience no longer guarantee an advantage. Everyone is adapting at the same time. For smaller agencies, this creates opportunity. They can adopt tools and workflows faster than large organizations. For larger agencies, the challenge is moving faster without breaking structure. Either way, the shift toward complex marketing technology orchestration opens doors for agencies willing to master it. For him, the future belongs to agencies that can adapt, systemize, and evolve without clinging to what used to work. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

As the year gets underway, we're answering the seven financial questions people ask us most, covering investing, retirement, taxes, Roth strategies, and Social Security. These are the same questions that come up in almost every planning meeting, regardless of where you are in your financial journey. In this episode of Wise Money, we'll walk through how to think about each one and why the answers are rarely one-size-fits-all.  Season 11, Episode 21 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718  Watch this episode on YouTube: https://youtu.be/VADM-TzZ6aw  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

  This Weekend Show connects the week's biggest geopolitical catalyst – U.S. military action tied to Venezuela's oil – and what it could mean for...

I'm kicking off 2026 with a little reflection and a fresh evolution of the podcast. After two years of spotlighting inspiring entrepreneurial stories, I realized I've also been deeply focused behind the scenes—helping entrepreneurs leverage their story with intention, strategy, and confidence to truly connect with their audience. In this episode, I share how I'm stepping more fully into my role as a storytelling mentor, guiding leaders to own their voice, refine their message, and step onto stages and platforms with clarity and impact. You'll hear how this shift will make interviews even more intentional, highlight the lessons in each story, and give you actionable insights to apply to your own visibility and leadership. Plus, I'm inviting you to watch my workshop, Take the Mic in 2026, designed to help you see your story as an asset, stop hiding behind your work, and step into the new year with confidence.   Let's keep the conversation going!Website: www.martaspirk.com Instagram: @martaspirk Facebook: Marta Spirk Want to be my next guest on The Empowered Woman Podcast?Apply here: www.martaspirk.com/podcastguest  Watch my TEDx talk: www.martaspirk.com/keynoteconcerts    There's a reason Pitch Worthy is on every power founder's radar. It's the definitive PR book for women done with being overlooked. If you're ready for press, premium clients, and undeniable authority, this is your playbook. Buy your copy now at hearsayPR.com.  

In this episode, we discuss recent developments at Groq, including Nvidia's acquisition of certain Groq assets, and consider what this transaction may indicate about evolving priorities in AI infrastructure and compute markets. The conversation also examines how geopolitical dynamics could influence crypto markets, including regulation, capital allocation, and cross-border technology policy. Finally, we explore whether recent market behavior suggests crypto may be moving away from its historical four-year cycle. Remember to Stay Current! To learn more, visit us on the web at https://www.morgancreekcap.com/morgan-creekdigital/. To speak to a team member or sign up for additional content, please email mcdigital@morgancreekcap.com Legal Disclaimer This podcast is for informational purposes only and should not be construed as investment advice or a solicitation for the sale of any security, advisory, or other service. Investments related to the themes and ideas discussed may be owned by funds managed by the host and podcast guests. Any conflicts mentioned by the host are subject to change. Listeners should consult their personal financial advisors before making any investment decisions.

 Chip Eichelberger Ikillburger | Founder of GetSwitchedOn.com  Chip is a globally recognized keynote speaker and event partner known for creating transformative, high-impact experiences. With nearly three decades of proven success and more than 1,000 presentations delivered across eight countries, every Canadian province, and every U.S. state, he brings unparalleled energy, engagement, and expertise to the stage.For six years, Chip served as the international point man for Tony Robbins in the USA, Australia, and the UK—an experience that shaped his dynamic, results-driven approach. His impressive client portfolio includes world-class organizations such as Apple Inc., L'Oréal, Hyatt Hotels Corporation, Dow Inc., General Motors, PricewaterhouseCoopers, Bank of Montreal, and more than 100 leading associations.Specializing in high-energy, interactive, and customized keynotes, Chip is known for opening and closing events with exceptional impact. His programs are designed to inspire participants to elevate their mindset, reignite their vision, and prioritize their most valuable asset—their energy. His signature “Bookending” Experience and Breaking Barriers Board Break session are widely praised for creating powerful momentum that carries beyond the event itself.More than a speaker, Chip is a strategic partner who invests in understanding each client's goals, ensuring every presentation is aligned with their vision and business objectives. His commitment to excellence consistently makes him a trusted choice for organizations seeking lasting transformation and extraordinary event outcomes. 

Financial planning is built on assumptions — about markets, inflation, longevity, human behaviour, and even the questions clients bring into the room. In this episode, Ben and Braden welcome a diverse panel that originally came together at the FP Canada Conference to explore how those assumptions influence planning outcomes in practice. Joining them are Adam Chapman, a retirement-focused planner who helps clients turn their money into memories; Joe Nunes, an actuary with decades of pension and longevity experience; and Aaron Theilade, Director of Continuing Education at FP Canada. Together, the panel unpacks how to make assumptions credible, how to stress-test them, how to navigate client bias, and how planners can blend math with humanity to create better client outcomes. Key Points From This Episode: (0:00:04) Why this episode: recreating a conference panel on planning assumptions. (0:01:03) Braden on the panel's value for planners and DIY investors. (0:02:32) Meet the guests: Adam, Joe, Aaron, and Braden. (0:06:04) Assumptions matter: directional accuracy > prediction. (0:07:47) Actuarial view: start with inflation, bond yields, and risk capacity. (0:09:38) Engineering mindset: plan for expected and unexpected outcomes. (0:13:21) Client pushback: longevity surprises and hidden assumptions. (0:16:59) Asset allocation: strategic, goal-based, informed by behaviour. (0:20:57) Software limits: life is too variable for perfect modeling. (0:22:01) Behaviour gap: retirees spend less over time despite inflation. (0:25:18) Software guides; planners interpret and humanize outputs. (0:28:48) Use assumptions based on the specific question (e.g., withdrawals). (0:30:31) Always ask: "Why are we modeling this?" (0:34:15) Handling bias: reframe assumptions to reveal inconsistencies. (0:38:19) Assumptions evolve: returns, spending, and research all change. (0:42:38) Longevity beliefs: explore "why," not just the data. (0:50:38) Core truth: every plan is wrong — planning is iterative. (0:52:20) When to update: depends on age, goals, and material changes. (0:57:23) PWL approach: twice-yearly updates + adjustments during extremes. (1:00:03) Tips: focus on behaviour, communication, goals, and integration. (1:10:02) Success: relationships, impact, freedom, and sharing knowledge. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

Silicon Bites Ep281 | 2025-12-31 | “Putin Wants Ukraine to Succeed?” May be the most misguided, misinformed, and perverse phrase ever uttered by an American president, and it must have grated on Zelenskyy's ears, as he heard it in real-time, yet had to retain some sense of composure. Maybe he heard this phrase as being so at variance with reality, so contrary to history and any factual analysis, that it hit him as a pure absurdity, that could be dismissed out of hand. We just don't know.We could dismiss the phrase too, but unfortunately, I think it is indicative of something dark, which could get considerably darker in 2026 – and this is the strong narrative alignment between the US president and Russia stated objectives and ambitions. Strategic intent, and action may well follow in the wake of this narrative alignment, this convergence of worldview and transactional interests, to create substantial problems for Ukraine, in its resistance to Russian aggression in 2026, and even to the democratic world. ----------Silicon Curtain is a part of the Christmas Tree Trucks 2025 campaign - an ambitious fundraiser led by a group of our wonderful team of information warriors raising 110,000 EUR for the Ukrainian army. https://car4ukraine.com/campaigns/christmas-tree-trucks-2025-silicon-curtainThe Goal of the Campaign for the Silicon Curtain community:- 1 armoured battle-ready pickupWe are sourcing all vehicles around 2010-2017 or newer, mainly Toyota Hilux or Mitsubishi L200, with low mileage and fully serviced. These are some of the greatest and the most reliable pickups possible to be on the frontline in Ukraine. Who will receive the vehicles?https://car4ukraine.com/campaigns/christmas-tree-trucks-2025-silicon-curtain- The 38th Marine Brigade, who alone held Krynki for 124 days, receiving the Military Cross of Honour.- The 1027th Anti-aircraft and artillery regiment. Honoured by NATO as Defender of the Year 2024 and recipient of the Military Cross of Honour.- 104th Separate Brigade, Infantry, who alone held Kherson for 100 days, establishing conditions for the liberation of the city.- 93rd Brigade "Kholodnyi Yar", Black Raven Unmanned Systems Battalion ----------SOURCES:Reuters (Dec 28, 2025): Trump says US and Ukraine ‘a lot closer' on peace deal but thorny issues remainhttps://www.reuters.com/world/europe/zelenskiy-meet-trump-florida-talks-ukraine-peace-plan-2025-12-28/Reuters (Dec 30, 2025): Zelenskiy discusses US troop presence in Ukraine with Trumphttps://www.reuters.com/business/aerospace-defense/zelenskiy-discusses-us-troop-presence-ukraine-with-trump-2025-12-30/Reuters (Dec 28, 2025): Trump says he had “very productive” call with Putin ahead of Zelenskiy meetinghttps://www.reuters.com/world/us/trump-says-he-had-very-productive-call-with-putin-ahead-zelenskiy-meeting-2025-12-28/ABC News (Dec 28, 2025): Trump says Russia and Ukraine are ‘maybe very close' after Zelenskyy meetinghttps://abcnews.go.com/Politics/volodymyr-zelenskyy-arrives-mar-lago-peace-talks-president/story?id=128736611Ukrainska Pravda (Dec 29, 2025): Trump says Putin claims he “wants to see Ukraine succeed”https://www.pravda.com.ua/eng/news/2025/12/29/8013774/----------SILICON CURTAIN LIVE EVENTS - FUNDRAISER CAMPAIGN Events in 2025 - Advocacy for a Ukrainian victory with Silicon Curtainhttps://buymeacoffee.com/siliconcurtain/extrasOur events of the first half of the year in Lviv, Kyiv and Odesa were a huge success. Now we need to maintain this momentum, and change the tide towards a Ukrainian victory. The Silicon Curtain Roadshow is an ambitious campaign to run a minimum of 12 events in 2025, and potentially many more. Any support you can provide for the fundraising campaign would be gratefully appreciated. https://buymeacoffee.com/siliconcurtain/extras----------SUPPORT THE CHANNEL:https://www.buymeacoffee.com/siliconcurtainhttps://www.patreon.com/siliconcurtain----------

Asset management can make or break your real estate portfolio. In this episode of The Academy Presents: Real Estate Investing Rocks, Angel sits down with investor and operator Greg Scully to unpack the real-world challenges of asset management, property management companies, and scaling in small to mid-size multifamily deals. From managing apartments and RV parks to navigating vendors, staffing, and software, this is an honest conversation about what actually happens behind the scenes.Topics CoveredThe difference between asset management and property managementSelf-managing vs third-party management: pros and consManaging small to mid-size multifamily propertiesScaling challenges in tertiary and rural marketsVendor relationships, fuel costs, and labor shortagesResidential vs commercial management realitiesHiring maintenance staff without full-time scaleProperty management software and reporting frustrationsLessons learned from apartments and RV park operationsQuotes“There's a weird space where deals are too big for residential managers but too small for commercial operators.”“Self-managing gives you control, but third-party managers bring relationships you can't build overnight.”Connect with Angel: https://www.linkedin.com/in/angel-williams-re/Connect with Greg : https://www.linkedin.com/in/gregjscully/

In this first episode of 2026 we discuss our Outlook 2026: Rewiring Growth, reviewing the forces that shaped 2025 and the themes—from AI and policy to geopolitics and fiscal risks—that may define markets in the year ahead. To read this week's Sight|Lines, click here. The views expressed in this podcast may not necessarily reflect the views of Stifel Financial Corp. or its affiliates (collectively, Stifel). This communication is provided for information purposes only. Past performance does not guarantee future results. Investing involves risk, including the possible loss of principal. Asset allocation and diversification do not ensure a profit or protect against loss. © Stifel, Nicolaus & Company, Incorporated | Member SIPC & NYSE | www.stifel.com See omnystudio.com/listener for privacy information.

Welcome to this special episode of The Edge of Show, recorded live at the Future of Money, Governance & the Law Summit in Washington, D.C. In this episode, we dive deep into the transformative world of tokenization, exploring its impact on real estate, commodities, and beyond. Join our distinguished panel, moderated by Gerard Dache, featuring industry leaders like Benjamin Diggles, Jack Ding, Chris Smithmyer and Nadia Mihova.Key topics include:The difference between coins and tokensInfrastructure requirements for successful tokenizationReal estate tokenization and its potential to revolutionize transactionsThe importance of trust and governance in blockchain technologyInsights into the Blockchain Maturity Model and its role in selecting the right blockchainTogether, they discuss the essential technology infrastructure for tokenization, real-world use cases, and the future of blockchain in various industries.Don't forget to subscribe, rate, and share this episode with friends who are eager to learn more about the cutting edge of Web3!Support us through our Sponsors! ☕

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Do you feel constantly worried about shrinking organic visibility, heavier ad pressure, and constant change? Running an agency has never been a straight line. Platforms change, algorithms shift, and what worked five years ago can quietly stop working overnight. Organic visibility is shrinking, ads are getting more expensive, and uncertainty feels constant. Today's featured guest knows that reality and will share her journey from agency employee to founder of a 43-person local SEO agency, along with her honest perspective on Google, AI, remote teams, and why growing bigger can actually create more freedom and impact when done for the right reasons. Joy Hawkins is the founder and owner of Sterling Sky, a specialized local SEO agency focused on helping businesses rank on Google Maps and local search results. She has been working in the SEO industry since 2006 and is widely known for her deep understanding of how Google's algorithm works, especially in local search. Sterling Sky is a fully remote agency with team members spread across Canada and the United States. What started as a small consulting experiment has grown into a 43-person team over eight years. In this episode, we'll discuss: Google, AI, and the future of local SEO Why SEO agencies must diversify to survive Building a fully remote team. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. From Agency Employee to Founder of a Local SEO Agency After more than a decade inside agencies, Joy realized she was more interested in how systems worked than in selling them. When disagreements about services and sales responsibilities reached a breaking point, she decided to try consulting (fully prepared to dip into savings and return to a job if needed). Clients came faster than expected. Eight years later, that experiment has grown into a 43-person remote agency. Google, AI, and the Future of Local SEO One of the biggest challenges Joy sees in the industry right now is the pace of change inside Google's ecosystem. Features are constantly being swapped out, organic real estate is shrinking, and small businesses are feeling the impact more than ever. While agencies can usually adapt, clients often struggle because Google still represents such a large percentage of their lead flow. A major concern Joy sees is how Google is pushing more ads and limiting organic exposure, especially in local results. On mobile devices, users are now seeing local service ads dominate the top of the screen, followed by AI-driven local results that are shrinking from three listings down to one in some cases. For businesses that used to rely on being second or third in the map pack, this shift can mean a dramatic drop in calls almost overnight. Despite the fear around AI, Joy does not believe Google is going anywhere. As she points out, Google's real advantage is data. Reviews, location history, calls, visits, and behavior all live inside Google Maps. That depth of information is something other platforms struggle to match. Local SEO is still viable, but it is no longer free traffic in the way many business owners became used to. The bigger lesson is not about Google itself, but about dependency. When an agency or a business relies too heavily on one channel, any change can feel catastrophic. The agencies that struggle the most right now tend to be those built around rigid, cookie-cutter systems that cannot flex with the landscape. Why SEO Agencies Must Diversify to Survive Agency owners who want time to adapt should keep in mind it's always better to have an outbound strategy, an inbound strategy, and partnerships that you can rely on. If all your business comes from one channel and that channel changes, you are forced into reaction mode. The opportunity here is for agencies to guide clients toward broader strategies. That might include paid ads, partnerships, or even old school tactics like direct mail and local sponsorships. The exact tactic matters less than the mindset. Businesses need multiple levers to pull so they are not held hostage by one platform's decisions. For instance, right now everyone's scrambling to adopt AI in their processes, services, and more. But you should also try to understand the economics behind AI and advertising. The massive data centers, energy consumption, and infrastructure costs mean that today's low prices will not last forever. Platforms are investing heavily now with the expectation that monetization will follow. For agency owners, this reinforces the importance of pricing correctly, setting expectations with clients, and building offers that account for rising costs and shrinking organic margins. Building a Fully Remote Agency Joy's agency started more as a practical decision than a remote-first experiment. After years of working from home she saw no reason to take on the overhead of an office. The cost savings mattered early on, but the flexibility mattered even more. Without a commute, Joy could better balance work and family life. That same benefit extended to her team. Many of her early hires were former coworkers from an agency that later shut down, people she already trusted and respected. Since they were geographically spread out, an office would have created unnecessary friction. Expanding into the United States was also a strategic move. Joy wanted access to a larger talent pool so she could be extremely selective about who she hired. Being remote made it possible to hire people who were already passionate about local SEO instead of settling for whoever happened to live nearby. Culture, Connection, and Team Building at Scale One of the risks of running a remote agency is losing human connection. Joy is very intentional about avoiding that. While informal meetups happen more often in Canada, the entire team gets together once a year for an in person retreat. The goal of these retreats is mostly relationship building. Joy genuinely likes the people she works with and considers many of them friends. She believes that strong relationships create trust, better communication, and a healthier work environment overall. Joy sees firsthand how flexible work, reasonable boundaries, and a supportive environment can be life changing for employees who came from toxic workplaces. That impact has become a meaningful part of why she continues to grow the agency. Why Scaling the Agency Became a Mission When she first started her agency, Joy wanted a small team. Ten people or fewer. Highly experienced. Minimal management. That vision changed a few years in, and the reason surprised her. Around two years in, her agency began supporting a charity in Uganda, and the more she built that relationship, the more Joy saw how far a single dollar could stretch there compared to North America. Visiting in person made the impact real. She realized that by growing the agency, she could dramatically increase the good they could do through that partnership. The same realization applied to her team. As the agency grew, Joy saw how stable, flexible work improved her employees' lives. That sense of responsibility and opportunity shifted her perspective as she figured out her purpose. Now growth was no longer about ego or scale for its own sake. It became a way to create more impact both inside and outside the business. Leadership, Delegation, and Hiring for Your Weaknesses Agency owners who wish to keep their businesses small are often thinking about the nightmare that running a big agency can be. They imagine that the headaches they deal with at ten employees will just double if the team doubles. However, this was never the case for Joy. When she thinks about overworking she thinks about her time working for others. This is probably because Joy has always been very clear about what she does not enjoy. Accounting, taxes, and people management are high on the list, and instead of forcing herself to become good at everything, she hired people who genuinely enjoy those areas. A strong accountant removed massive mental load early on and hiring leadership team members who thrive on managing people allowed Joy to focus on strategy and innovation. She believes this is one of the biggest unlocks for agency owners who feel trapped. Delegation is not about offloading busywork. It is about trusting capable people to own outcomes. Joy prefers hiring experienced professionals over entry level talent because she does not want to micromanage. Her expectations are high, but so is her respect for her team's autonomy. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

In this episode of the Massive Passive Cashflow Podcast, Gary sits down with Terry Roberts, a seasoned mortgage broker with over 15 years of lending experience and a deep specialization in VA loans, investor financing, and non-traditional mortgage strategies. Terry shares his powerful journey—from homelessness, being a high school dropout, and a teenage father, to serving nine years in the U.S. Marine Corps and ultimately becoming a nationwide mortgage broker with access to 160+ lenders. His unique background in military leadership, business operations, and mortgage innovation gives him a rare perspective on how financing really works behind the scenes. Throughout the conversation, Terry breaks down why working with a mortgage broker vs. a retail bank loan officer can dramatically expand financing options for buyers and investors. He explains how veterans can strategically use VA loans to acquire duplexes, triplexes, and fourplexes with little to no money down, how eligibility truly works, and how military families can build long-term wealth through real estate. We also dive deep into investor-focused loan programs most agents don't even know exist—such as asset depletion loans, rental-income-based financing, and loans that don't require tax returns, W-2s, or traditional income documentation. Terry explains how these options open doors for 1099 earners, real estate agents, retirees, developers, and foreign investors looking to invest safely in U.S. real estate. The episode wraps with a candid discussion on interest rates, Fed rate cuts, the 10-year Treasury, refinance strategies that actually make sense, and why trying to time the market often costs investors more in the long run. Whether you're a real estate agent, investor, veteran, or buyer trying to navigate today's complex lending landscape, this episode delivers clarity, strategy, and practical insights you can apply immediately.     What You Will Learn: How mortgage brokers unlock better loan options than traditional banks The real difference between a broker and a retail loan officer How veterans can use VA loans to build wealth with little to no money down Using VA loans for duplexes, triplexes, and fourplexes How VA entitlement actually works (and why it's not based on property count) Investor loan options that don't require tax returns, W-2s, or pay stubs How rental-income-based loans work for investors and 1099 earners Asset depletion loans for retirees and high-net-worth investors Financing strategies for real estate agents who can't qualify traditionally Loan options for land, development, and mixed-use projects Can foreign nationals invest in U.S. real estate? (Yes—and how) Why Fed rate cuts don't directly control mortgage rates Why the 10-year U.S. Treasury matters more than Fed announcements When refinancing makes sense—even if your interest rate increases How refinancing can eliminate high-interest debt and improve cash flow Simple ways to lower monthly payments without refinancing Why relationships—not transactions—drive long-term success in real estate     Links & Resources: Facebook: https://www.facebook.com/TerryRobertsNMLS397987 Instagram: https://www.instagram.com/mortgagetipdaily LinkedIn: https://www.linkedin.com/in/terrydroberts/ Youtube: https://www.youtube.com/@mortgagetipdaily Website: terryroberts.com Email: troberts@emortgagecapital.com Attention Investors and Agents: Are you ready to scale your real estate business and connect with like-minded professionals?

Is SEO dead in the age of AI? Not even close. Google's AI overviews are literally making up statistics, citing fake sources, and providing dangerous medical advice. People are actively searching "how to turn off AI overviews" because they can't trust the results. I had an incredible conversation with Samantha Riley on her podcast Influence By Design, where we broke down why SEO is more critical than ever. While Google Ads stop working the moment you stop paying, SEO builds an actual ASSET. An asset that appears on your balance sheet. An asset that generates traffic for months or years, even if you take time off. We covered:  ✅ The difference between "visitor authority" and "algorithmic authority."  ✅ Why your "Testimonials" page should be a "Results" page instead.  ✅ How to seed interviews to earn 5+ backlinks instead of just one. ✅ The trick questions to ask so you never get snookered by a bad SEO hire. If you're building on rented land (social media only), this episode is your wake-up call. Listen now!   The show notes, including the transcript and checklist to this episode, are at marketingspeak.com/535.

Federal Medicaid cuts have dominated the news cycle, but there's a California-specific change that's barely getting attention—and it could blindside thousands of current Medi-Cal recipients. Starting again in 2026, the state is reinstating asset limits for Medi-Cal long-term care coverage, a requirement that was eliminated just two years ago. In this episode, estate planning attorney Kirsten Howe unpacks what this means if you or someone you love relies on elderly or disabled Medi-Cal benefits. She explains the $130,000 asset threshold, which assets remain exempt, and why your 2026 annual eligibility report could jeopardize your coverage.  Time-stamped Show Notes: 0:00 Introduction 0:02 What's getting lost in the headlines: California's quiet asset limit reversal versus the federal Medicaid funding cuts everyone's talking about 1:56 Understanding MAGI Medi-Cal: the income-based coverage created under the Affordable Care Act for lower-income Californians 2:17 Why long-term care Medi-Cal is different—and why the returning asset test only affects elderly and disabled recipients 3:16 Back to strategic planning: what the 2026 deadline means for anyone hoping to qualify for Medi-Cal in the future 3:35 Kirsten walks through the exempt asset list—your home, vehicle, prepaid funeral arrangements, burial plot, small life insurance policies, and retirement accounts like IRAs and 401(k)s 4:55 The annual report risk no one is discussing—how your 2026 eligibility filing could trigger a coverage loss 5:36 You qualified then, but will you now? Why meeting past requirements won't protect current Medi-Cal recipients under the new rules Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit https://absolutetrustcounsel.com/scheduling/ or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select "Ratings and Reviews" and "Write a Review" then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit Q2Mark.com.

Private asset-based finance (ABF) is gaining prominence in insurance portfolio strategy as insurers evaluate its capital efficiency, structural protections, and yield potential. In this episode of the InsuranceAUM.com podcast, Stewart Foley is joined by John Roglieri, Managing Director in Brookfield's Strategic Credit Initiatives, and Remo Plunkett, Vice President in Brookfield's Credit Group, to explore the evolution of ABF and its growing relevance for insurers.   The discussion covers why ABF is not just a newer version of traditional securitized assets, but a broad, flexible toolkit that includes real assets, recurring cash flows, and customized structures tailored to insurer needs. With insights on risk management, capital treatment, and relative value versus direct lending, this episode offers a timely look at how insurers can build resilient portfolios in an increasingly complex credit environment.

Summary  In this episode of the Prosperity Podcast, we explore the enduring value of precious metals and the significance of mutual life insurance companies. Host Kim shares insights into assets that retain value over time and emphasizes the importance of having a long-term plan with investments. With current market shifts and the ever-present unpredictability of personal health, the episode underlines thoughtful financial planning. Tune in for timeless principles and financial wisdom that go beyond today's economy..   Episode Highlights 00:01:28 - "And then what?" Deep inquiry on investment goals. 00:04:00 - Gold as savings vs. investment. 00:06:40 - Liquidity needs for emergencies and opportunities. 00:09:29 - Mutual life insurance as a stable asset. 00:10:44 - Focusing on what's unchanging in uncertain times. 00:12:20 - Consequences of delaying insurance purchases. 00:14:11 - Potential health impacts on insurance eligibility. 00:15:17 - Book recommendation: "The Gold Standard" by Saifedean Ammous.   Episode Resources For resources and additional information of this episode go to https://prosperitythinkers.com/podcasts/ http://prosperityparents.com/  https://storage.googleapis.com/msgsndr/yBEuMuj6fSwGh7YB8K87/media/68e557c906b06d836d9effad.pdf  https://www.youtube.com/@KimDHButler   Keywords Prosperity podcast   Precious metals   Centuries-lasting assets   Silver price   Gold price   Financial products   Investment   Savings   Value storage   Asset growth   Emergency fund   Liquidity   Mutual life insurance   Dividend announcement   Whole-life insurance   Cash value   Term insurance   Investment strategies   Economic stability   Actuarial science   Financial planning   Peace of mind   Health and insurance   Procrastination loss   Gold standard   Bitcoin   Economic history   Prosperity thinkers  

Gary Zimmerman of Max® explains how to utilize your cash asset in retirement. Cash is one of the most overlooked assets in retirement. Here's how retirees can earn thousands more in interest while keeping their money safe and FDIC-insured. Many retirees spend years carefully managing their investments — stocks, bonds, and retirement accounts get plenty of attention. But there's one asset class that often gets ignored: cash. In this episode of Retire Today, I'm joined by Gary Zimmerman, founder and CEO of Max® to talk about why so many Americans are earning next to nothing on their bank money — and how that quiet mistake can cost retirees tens of thousands of dollars over time. As Gary explains early in the conversation, “People think that the bigger the bank, the safer it is. And that's patently not true.” In fact, many of the banks that failed during past financial crises were among the largest institutions. Why Cash Matters More in Retirement Cash plays a unique role in retirement. It provides liquidity, stability, and peace of mind — especially when markets are volatile. But that doesn't mean cash has to sit idle. Gary shared that after years as an advisor, he started getting a flood of calls from clients during the COVID period. Their CDs were maturing, and rates were dropping instead of rising. “They were missing out on thousands of dollars in interest,” he said. At the same time, trillions of dollars across the U.S. were sitting in bank accounts earning close to zero — while other savers were earning closer to 4% in the same type of FDIC-insured accounts. That gap is not about risk. It's about awareness and access. FDIC Insurance: Safety Without Sacrificing Yield One of the most important parts of the conversation focused on FDIC insurance. Many people believe that as long as their money is at a big-name bank, it's automatically safe. But FDIC insurance has limits — typically $250,000 per depositor, per bank, per ownership category. As I shared in the episode, I regularly see “everyday millionaires” with far more than $250,000 sitting in bank-type accounts — without full insurance coverage. Gary explained how spreading cash across multiple institutions increases FDIC protection and improves interest rates at the same time. “The more diversified you are, the more guarantees you get from the FDIC,” he said. Why Banks Pay So Little (And Why They Can) A question many retirees ask is simple:If higher rates exist, why don't banks automatically pay them? Gary's answer was refreshingly blunt. Banks don't raise rates unless they need your money. When a bank pays 0.1% or 0.2%, it's often a signal: “They're telling you they don't want your money.” Online banks, smaller institutions, and rate marketplaces compete aggressively for deposits — and that competition benefits savers who are willing to look beyond their local branch. As Gary put it, “There's an actual market for your money. Just like selling a house, you have to put your money on the market to get the best price.” DIY vs. Using a Service Could retirees do all of this on their own? Yes.But should they? Gary compared the process to constantly switching phone plans or insurance providers. It works — but it requires attention, time, and discipline. Rates change, banks create teaser accounts, and some institutions quietly lower yields after a few months. Max® was designed to automate that process. As Gary described it, the goal is to “spend five or ten minutes thinking about cash, then never think about it again.” For many clients, that convenience translates into meaningful results. Gary shared that a retiree with $250,000 in cash could earn roughly $10,000 more per year, or $100,000 over a decade, simply by managing cash more effectively. The Behavioral Finance Problem Nobody Talks About One of my favorite parts of the conversation focused on behavioral finance. People say they like their bank because it feels familiar. But when asked how they actually interact with it, the answer is usually: “I use the app.” At that point, loyalty becomes expensive. As Gary summed it up, “The bank owes you nothing. You owe the bank nothing.” Your savings should work as hard as you did to earn it. The Bottom Line Cash isn't boring — it's powerful when used correctly.For retirees, optimizing cash can mean more flexibility, less risk, and thousands of dollars in additional income over time — without chasing returns or increasing exposure. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Gary Zimmerman on LinkedIn Max®: Your Best Interest Create Your Retirement Master Plan in 5 Simple Steps Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

In a significant development for the U.S. cryptocurrency landscape, Senator Cynthia Lummis has called on Congress to advance crypto market structure legislation, a move analysts say could have far-reaching implications for digital assets.~This episode is sponsored by BTCC~BTCC 10% Deposit Bonus! ➜ https://bit.ly/PBNBTCC00:00 Intro00:10 Sponsor: BTCC00:45 Venezuela Rally02:00 Institutions are back!02:40 John D'Agostino: Retail catching up to institutional momentum04:20 ETFs Exploding again06:10 Utility tokens surge07:00 Asset owners are winning07:50 Yat Sui: Utility tokens 2026 narrative10:15 WEF January 20th11:15 Clarity timeline13:30 BlackRock buys $100M in ETH14:20 Insane Ethereum staking queue15:40 Poll16:30 Outro#Crypto #Bitcoin #Ethereum~Everything Rally?

Substack has quickly become one of the most talked-about platforms in our community, and for good reason. In this episode, I'm breaking down exactly why I'm going all in on Substack in 2026, how we're monetizing it inside our business, and how it fits into a long-term strategy for freedom, thought leadership, and scalable income, all without ads, sales calls, or constant live content. You'll learn: How we're using archived thought leadership to build a paid ecosystem Why Substack is one of the most powerful tools for authors, deep thinkers, and established leaders The exact tier structure we're using (free, paid, founding member) and why How Substack supports book launches, passive income, and audience ownership in ways other platforms don't If you're a CEO, author, or thought leader looking to get paid for your ideas, build a high-intent audience, and reduce dependency on algorithms, this episode will give you the clarity you need to decide if Substack belongs in your 2026 strategy. And, Ii you missed Part 1, be sure to listen to that episode first: https://podcasts.apple.com/us/podcast/1098-why-im-betting-on-substack-for-the-future/id1052353755?i=1000741820357  TIMESTAMPS:  02:30 – 05:30: What Substack actually is 08:30 – 11:30: How we're using archived content to build a monetized ecosystem without creating new content 14:30 – 17:30: Our tier structure explained: free, paid, and founding members 17:30 – 20:30: Why in-app purchases and Apple Pay are game-changers for conversion and consumer behavior 20:30 – 23:30: Owning your audience: why Substack + books is the future: owning your audience 23:30 – 26:00: How Substack fits into a long-term ecosystem: book sales, email, trust-building offers, and passive income Resources & Links Subscribe to The Sacred Art of Selling on Substack: Free, Paid, and Founding Member tiers available {founding member subscriptions must be done through web browser or mobile browser and are not currently supported on the Substack app}: https://kellyroachofficial.substack.com/  Join The Sacred Art of Selling book waitlist: https://thekellyroach.com/bts Follow Kelly on Instagram: https://www.instagram.com/kellyroachofficial/  Follow Kelly on Facebook: https://www.facebook.com/kelly.roach.520/  Connect on LinkedIn: https://www.linkedin.com/in/kellyroachint/     

If you've ever wondered whether your voice is really valuable enough to be paid for, consider this episode your wake-up call. Tomasha Suber shares a behind-the-scenes insight that most speakers wish they had when starting out. Speaking is not just a visibility play—it's a revenue strategy and your voice is an asset. Want to become […] The post 231: Your Voice Is Your Most Valuable Asset with Tomasha Suber appeared first on Laylee Emadi | Coach for Creative Educators.

Connect with Early Riders // Connect with OnrampPresented collaboratively by Early Riders & Onramp Media…Final Settlement is a weekly podcast covering capital markets, dealmaking, early-stage venture, bitcoin applications and protocol development.00:00 - Welcome Back and Market Overview02:47 - Inflation and Asset Trends05:44 - Regulatory Changes and Institutional Adoption08:53 - Security Risks and Custody Solutions11:52 - Market Sentiment and Long-Term Thinking14:57 - The Role of AI and Future Predictions33:15 - Navigating the Content Proliferation Challenge35:59 - The Future of Value in Digital Content40:19 - Stablecoins vs. Bitcoin: The Future of Transactions42:10 - Tether's Strategic Positioning in Global Markets48:43 - The Shift of Talent and Capital to Favorable Jurisdictions56:17 - Understanding the Economic Landscape and Future OpportunitiesIf you found this valuable, please subscribe to Early Riders Insights for access to the best content in the ecosystem weekly.Links discussed:https://x.com/exec_sum/status/2005751198725640395?s=20https://x.com/bearlyai/status/2006474217206985085?s=20https://x.com/paoloardoino/status/2002414704753586398?s=20Keep up with Michael:https://x.com/MTangumahttps://www.linkedin.com/in/mtanguma/Keep up with Brian:https://x.com/BackslashBTChttps://www.linkedin.com/in/brian-cubellis-00b1a660/Keep up with Liam:https://x.com/Lnelson_21https://www.linkedin.com/in/liam-nelson1/

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Starting with a clearly defined niche can make all the difference when you're landing your first clients and deeply understanding that niche can carry you through the toughest seasons of agency life. Today's featured guest built his agency on exactly that foundation. Before launching his firm, he spent years working as a consultant for governments, UN agencies, and the European Commission. Along the way, he identified a clear gap in the market. That expertise proved invaluable during the pandemic. While uncertainty hit many agencies hard, he trusted his understanding of the space and chose to weather the slow months, confident the work would return. His patience paid off as demand surged later in the year. He'll share the lessons learned from more than 20 years of building and running a thriving niche agency in one of the most political and complex markets in the world—and why focus, patience, and deep domain knowledge remain his greatest competitive advantages. Filip Lugovic is the co-founder and CEO of The Right Street, an EU-focused digital communications agency based in Brussels. For the last 20 years, he's lived in the middle of the "Brussels bubble," where organizations, trade groups, and companies fight for attention from the European Commission, Parliament, and Council. His agency sits at the intersection of public affairs + digital communications, serving organizations trying to influence policies that impact nearly half a billion people across Europe. In this episode, we'll discuss: Identifying and owning a highly specific niche. Building a client list with the power of low-hanging fruit. Getting their best quarter during COVID. Keeping a creative team inspired during slow cycles. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. From Door-to-Door Sales to the EU Policy Bubble Before he ever pitched a digital campaign, Filip was strangers' knocking on doors in Southern California selling heart-shaped pillows and screwdrivers with built-in flashlights. Not exactly glamorous, but it taught him the skill most agency owners run from: sales. When he landed in Brussels in 2005, he fell into a job selling ads for EU Observer, one of the leading political publications at the time. His clients were the same organizations trying to get in front of policymakers. Over the next decade, he built a deep network and a knack for relationship-based selling. Eventually, he left to consult on his own, but by 2017, he hit the same wall most consultants do: "I'm making money… but it all goes to someone else." A lunch with his current business partner (a seasoned communicator who had served as spokesperson for governments, UN agencies, and the European Commission) led to a plan to build something together. Building a Niche Agency: Where Marketing Meets Lobbying Once they figured out their roles and what they brought to the partnership, Filip and his partner started making plans and realized something: Most agencies in Brussels fell into one of two buckets: Lobbying firms who knew politics but didn't understand digital. Marketing agencies who knew digital but didn't understand politics. No one sat in the middle. So they built an agency that merged both worlds, pairing policy context with high-quality digital production. At the time, it was a hypothesis, and a risky one. Only a couple of competitors existed. But they saw the gap and took it. Landing the First Clients by Leveraging Existing Relationships Filip is no stranger to knocking on doors to sell a product, and he would have for his agency. However, this wasn't the right environment for that, so when it came time to start looking for clients, he relied on his network. Filip's approach to sales was never transactional and he very much enjoyed building lasting relationships. This is something many agency owners overcomplicate. Filip's first step wasn't SEO, funnels, or paid ads. It was: "Let me call every single person I already know and ask them to grab a coffee." That alone got him his first tiny clients. It wasn't a big account. Five hundred euros for hours of work, and zero profit. But it built the early case studies they needed. Most agencies try to skip this part. They want the big brand logo first. But every agency you admire started by leveraging relationships and building proof. Pro tip: You should always continue to revisit these relationships. Reach out to that client and buy them a coffee. This is the low-hanging fruit that can get your agency out of a tough spot. If you're not doing this, you're leaving money on the table. How Deep Market Knowledge Helps in Hard Times By January 2020, Filip's agency was growing at a healthy pace, had a new office and a seven-person team. Then we experience COVID shut downs. Their contracts froze, clients stopped paying, and their pipeline evaporated. Meanwhile, the agency had fixed expenses and a growing team relying on them. Most agencies would've cut staff and hoped to survive. Filip didn't. Luckily, he understood his market: EU organizations operate on annual budgets. If they don't spend it, they lose it the following year. So he and his partner made the hard call: No salaries for themselves (they relied on their wives for a while). Keep the team. Use that time to aggressively market. Their bet paid off and by Q4, every organization that couldn't run events was suddenly scrambling for digital support. Their best quarter ever happened during one of the scariest years on record. It was the foundation of everything that came afterwards. Keeping the Team Inspired During Slow Cycles How do you keep a creative team motivated when client work stops? Filip's answer: "Let them create whatever they want." There were no clients nitpicking colors or people demanding designers to make the logo bigger. It was a rare opportunity for pure, unfiltered creative expression. The team remembers that period as one of the most enjoyable times in the agency's history, despite the financial uncertainty. Why Big Name Clients Don't Always Make the Best Case Studies Most agency owners are probably familiar with this scenario: A famous brand comes in with big expectations and a big budget, and you brush off early concerns thinking their reputation would suffice to make the use of their case story all worthwhile. It happened to Filip and, unfortunately, after dismissing those concerns, the client rewrote everything and destroyed the design. Now they couldn't even put it on their website. Filip laughs about this now, because it still happens. Sometimes the smallest project gives you the best case study. Sometimes the biggest one becomes a "please-don't-put-our-name-on-that" situation. Just show the work you're proud of, not just the work you were paid for. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

My guest today is Cullen Roche, Chief Investment Officer at Orcam Financial Group and Discipline Funds. His latest book is Your Perfect Portfolio: The ultimate guide to using the world's most powerful investing strategies. In today's episode, Cullen walks through the principles of portfolio construction. He emphasizes the importance of viewing investments as a means of savings rather than a quick path to wealth. Cullen explores the significance of time horizons in investment decisions, why real returns are what matter, and the origins of the 60/40 portfolio. (0:00) Starts (1:38) Principles of portfolio construction (6:12) Real vs nominal returns (11:01) Asset allocation and time horizon considerations (26:59) Evaluating the role of government bonds in portfolios (30:21) Origins of the 60/40 portfolio (37:44) The forward cap portfolio (46:49) The concept of duration in investing (56:23) Disciplined Funds (1:02:39) Asset liability matching (1:03:15) Factors influencing investor behavior ----- Follow Meb on X, LinkedIn and YouTube For detailed show notes, click here To learn more about our funds and follow us, subscribe to our mailing list or visit us at cambriainvestments.com ----- Follow The Idea Farm: X | LinkedIn | Instagram | TikTok ----- Interested in sponsoring the show? Email us at Feedback@TheMebFaberShow.com ----- Past guests include Ed Thorp, Richard Thaler, Jeremy Grantham, Joel Greenblatt, Campbell Harvey, Ivy Zelman, Kathryn Kaminski, Jason Calacanis, Whitney Baker, Aswath Damodaran, Howard Marks, Tom Barton, and many more.  ----- Meb's invested in some awesome startups that have passed along discounts to our listeners. Check them out here!  ----- Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Learn more about your ad choices. Visit megaphone.fm/adchoices

(0:00) Bestie intros! Nick Shirley joins the show to discuss his recent investigation on potential daycare fraud in Minnesota (3:32) Nick's background, how he got into investigative reporting and YouTube, independence, finding this story (16:36) Why this fraud story is resonating, why the national press initially avoided it (30:08) Future plans, California, possible Al-Shabaab connection, how high up does Minnesota's fraud go? (49:15) What the scale of fraud means for America, Minnesota's future, potential patronage scheme (1:09:06) CA's wealth tax: normalizing the seizure of private property (1:33:56) Chamath breaks down the $20B Groq-Nvidia deal Follow Nick Shirley: https://x.com/nickshirleyy Follow the besties: https://x.com/chamath https://x.com/Jason https://x.com/DavidSacks https://x.com/friedberg Follow on X: https://x.com/theallinpod Follow on Instagram: https://www.instagram.com/theallinpod Follow on TikTok: https://www.tiktok.com/@theallinpod Follow on LinkedIn: https://www.linkedin.com/company/allinpod Intro Music Credit: https://rb.gy/tppkzl https://x.com/yung_spielburg Intro Video Credit: https://x.com/TheZachEffect Referenced in the show: https://x.com/nickshirleyy/status/2004642794862961123 https://www.startribune.com/prosecutors-charge-5-people-in-a-minnesota-housing-fraud-scheme/601548944 https://www.nytimes.com/2025/11/29/us/fraud-minnesota-somali.html https://www.fox9.com/news/fraud-minnesota-detailing-nearly-1-billion-schemes https://x.com/EricLDaugh/status/2005410646603473256 https://x.com/kevinkileyca/status/2006053056660541840 https://x.com/chamath/status/2006087862492582084 https://x.com/C_3C_3/status/2005722313795440956 https://x.com/OliLondonTV/status/2005988021946999166 https://x.com/tomhennessey69/status/2005556784228909441 https://x.com/WallStreetApes/status/2005849513676923358 https://x.com/MarioNawfal/status/2005179409465299219 https://dcyf.mn.gov/programs-directory/child-care-assistance-program https://x.com/susancrabtree/status/2006079778873565541 https://x.com/chamath/status/2005386348169953607 https://x.com/aaronburnett/status/2003874734661161064 https://newsletter.amuseonx.com/p/the-somali-patronage-system-has-taken https://x.com/realdailywire/status/2006122428196442388 https://x.com/rightanglenews/status/2006375449404866720 https://www.auditor.ca.gov/reports/2025-601/

On this episode, Liz Wheeler is joined by Mike Benz, executive director for the Foundation for Freedom Online, to discuss the latest on the Epstein story. Will Pam Bondi release the transcript of the DOJ's 2020 interview with Alex Acosta regarding Epstein's ties to intelligence? Tune in to hear Mike Benz's prediction! -- Like & subscribe to make sure you don't miss a single video: https://youtube.com/lizwheeler?sub_co... Get the full audio show on all major podcast platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/4LhlHfo... iHeart: https://www.iheart.com/podcast/269-th... Subscribe to The Liz Wheeler Show newsletter: https://lizwheeler.com/email Get VIP access to The Liz Wheeler Show on Locals: https://lizwheeler.locals.com/. Stay in touch with Liz on social media: YouTube: https://www.youtube.com/@lizwheeler Facebook: / officiallizwheeler Twitter: / liz_wheeler Instagram: / officiallizwheeler Rumble: https://rumble.com/LizWheeler Website: https://lizwheeler.com Learn more about your ad choices. Visit megaphone.fm/adchoices