Podcasts about Asset

Crypto has stalled, but markets haven't. As volatility migrates and narratives shift, retail traders are moving fast into exciting, but risky frontiers. We break down where attention is going next, how professionals are adapting, and why this cycle feels different from the last. Host: Steven Ehrlich, Host: Bits + Bips: The Interview Guest: Evgeny Gaevoy, Founder and CEO, Wintermute Links: Adams' NYC Memecoin Crashes After Debut, Sparking Outcry Memecoins Were Hot a Year Ago. Many Have Crashed Over 90% Crypto Traders Flee to Prediction Bets After Crash Prediction Markets to Get New Federal Rules, CFTC Chair Says Three Reasons for the Record Rise in Gold Prices, and One Why They Are Falling Gold Falls as Investors Take Profits After Record High Learn more about your ad choices. Visit megaphone.fm/adchoices

Before you file your taxes, there are critical financial planning moves you need to understand. In this episode of the Wise Money Show, we break down the most important tax law changes for 2025 and 2026, including SALT cap updates, senior deductions, child tax credits, and new retirement rules. This isn't about getting a bigger refund; it's about using proactive tax planning to pay less tax over your lifetime and avoid costly mistakes.  Season 11, Episode 24 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/q52UrJxJDU0  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.

In episode 169 of 'On the Whorizon' SWCEO founder and host MelRoseMichaels breaks down why the first dollar a fan spends is never “small” and why ignoring low-ticket buyers can quietly cap your income. If you've ever dismissed $3 fans in favor of chasing whales, this episode reframes that thinking and shows how sustainable, predictable income is actually built.

Andrew and Ben discuss the Fed's decision to keep rates steady, AI spending spree, and questions about gold. Join our live YouTube stream Monday through Friday at 8:30 AM EST:http://www.youtube.com/@TheMorningMarketBriefingPlease see disclosures:https://www.narwhal.com/disclosure

What if taking care of yourself wasn't another thing on your never-ending to-do list… but the way you become who you're meant to be?In this episode, Addie digs into why discipline, control, and “trying harder” stop working in midlife weight loss—and what actually changes when you stop treating your body like a problem to fix and start treating yourself as the asset.Inspired by a powerful post inside the Midlife Badassery community, this conversation reframes health from obligation to devotion—and explores what happens when self-care comes from honor instead of punishment.This isn't about perfection.It's about protecting your energy, rebuilding trust with your body, and becoming HER without burning yourself out.In this episode, we cover:Why discipline and white-knuckling keep failing in midlifeThe shift from “managing yourself” to honoring yourselfHow seeing your body as an asset changes weight loss, energy, and mindsetWhat to do after a setback instead of spiraling or starting overFood that satisfiesThe role of awareness, vision, and self-trust in sustainable changeWhy community makes this journey easier (and way more fun)If you're tired of starting over, tired of fighting your body, and ready for a new way forward—this episode is your permission slip.✨ Your health isn't your duty. It's your devotion to who you're becoming.Referenced: Ep #20: Weight Loss: Sugar, Carbs and Fastingon apple podcast: https://podcasts.apple.com/us/podcast/ep-20-weight-loss-sugar-carbs-and-fasting/id1538836261?i=1000513722882Skool Midlife Badassery free community https://www.skool.com/midlifebadassery/aboutThe HOT new SKOOL community Midlife Badassery is open HERE FOLLOW/WATCH ON YOUTUBE addiebeall55 Free Visioning Meditation (goes with Ep 160 Unlock Your Future: Create Vision for Midlife Transformation) Get Social with Me!Don't do it alone- us badasses gotta stick together ;)FREE Facebook Community: https://www.facebook.com/groups/mefirstsisterhoodFacebook Namaslayer (LIVE Sundays at 9 AM Pacific / Noon Eastern)Instagram @addiebeall_namaslayer

In this conversation, Todd Baldwin, founder and CEO of Investor Nitro, discusses the essentials of digital marketing for real estate investors. He emphasizes the importance of having a credible online presence through a well-structured website, the common pitfalls in managing online campaigns, and the distinction between websites and funnels. Todd also highlights the significance of owning your website as a business asset, the management of marketing efforts, and the realistic timelines for seeing results from digital marketing strategies. The discussion wraps up with insights on long-term strategies and the importance of ROI in digital marketing.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

This week, Doug and Greg Stokes look at the year-over-year shift in market dynamics, from large-cap US stocks to commodities and consumer staples. They also discuss earnings news, particularly involving Microsoft, Meta, and AI spend. And as international stocks and emerging markets have success, they continue to beat the drum for long-term diversification.  Key Takeaways [00:17] - Asset class shifts from 2025 to 2026 [04:13] - Predicting if/when the Fed cuts rates [08:03] - What do parabolic commodity prices mean? [09:09] - Big earnings season news from Microsoft and Meta [13:00] - The effect of regulation on Financials [16:26] - International and emerging markets View Transcript Links This Is Not What a Healthy Bull Market Looks Like Microsoft shares dive as data center spending overshadows earnings surge Connect with our hosts Doug Stokes Greg Stokes Stokes Family Office Subscribe and stay in touch Apple Podcasts Spotify lagniappe.stokesfamilyoffice.com Disclosure The information in this podcast is educational and general in nature and does not take into consideration the listener's personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate, qualified professional prior to making a final decision. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies referenced in our blogs/podcasts) or any other investment and/or non-investment-related content or services will be profitable, equal any historical performance level(s), be suitable or appropriate for a reader/listener's individual situation, or prove successful. Moreover, no portion of the blog/podcast content should be construed as a substitute for individual advice or services from the financial professional(s) of a reader/listener's choosing, including Stokes Family, LLC, a registered investment adviser with the SEC, with which the blogger/podcasters are affiliated.

Pete Hunt, CEO of Dagster Labs, joins Amir Bormand to break down why modern data teams are moving past task based orchestration, and what it really takes to run reliable pipelines at scale. If you have ever wrestled with Apache Airflow pain, multi team deployments, or unclear data lineage, this conversation will give you a clearer mental model and a practical way to think about the next generation of data infrastructure. Key Takeaways• Data orchestration is not just scheduling, it is the control layer that keeps data assets reliable, observable, and usable• Asset based thinking makes debugging easier because the system maps code directly to the data artifacts your business depends on• Multi team data platforms need isolation by default, without it, shared dependencies and shared failures become a tax on every team• Good software engineering practices reduce data chaos, and the tools can get simpler over time as best practices harden• Open source makes sense for core infrastructure, with commercial layers reserved for features larger teams actually need Timestamped Highlights00:00:50 What Dagster is, and why orchestration matters for every data driven team00:04:18 The origin story, why critical institutions still cannot answer basic questions about their data00:07:02 The architectural shift, moving from task based workflows to asset based pipelines00:08:25 The multi tenancy problem, why shared environments break down across teams, and what to do instead00:11:21 The path out of complexity, why software engineering best practices are the unlock for data teams00:17:53 Open source as a strategy, what belongs in the open core, and what belongs in the paid layer A Line Worth RepeatingData orchestration is infrastructure, and most teams want their core infrastructure to be open source. Pro Tips for Data and Platform Teams• If debugging feels impossible, you may be modeling your system around tasks instead of the data assets the business actually consumes• If multiple teams share one codebase, isolate dependencies and runtime early, shared Python environments become a silent reliability risk• Reduce cognitive load by tightening concepts, fewer new nouns usually means a smoother developer experience Call to ActionIf this episode helped you rethink data orchestration, follow the show on Apple Podcasts and Spotify, and subscribe so you do not miss future conversations on data, AI, and the infrastructure choices that shape real outcomes.

Attitude is one of those words we use all the time — often in a negative way.“He has an attitude.”“She needs to change her attitude.”But what if attitude wasn't a personality trait? What if it was a skill?In this episode of Let's Go Mental, we explore attitude as a controllable, trainable asset — something that shapes performance, relationships, and opportunities, both in sport and in life.Because while athletes may not control outcomes, decisions, or results, they always control how they show up.In this episode, you'll learn:What attitude really is (and what it's not)Why attitude is one of the first things coaches, parents, and teammates perceiveHow attitude can open doors — or quietly close themWhy attitude is contagious and shapes the environment around youHow small, intentional attitude choices become habits and identityWhy mental training is essential to make attitude consistent, not reactiveWhat parents often underestimate about the impact of their own attitudeThis episode is for:athletes who want to perform with consistency under pressureparents who want to support growth without controllingcoaches who care about culture, trust, and long-term developmentKey takeaway:Attitude is not who you are. It's how you decide to show up. And that decision can be trainedContact me: b_cortella@yahoo.itInstagramLinkedInMy Community

In this episode, we discuss gold’s surge as a potential signal of fiscal trajectory and sovereign-risk concerns, the roles of USD weakness, central bank buying, and ETF inflows.#Gold #FiscalTrajectory #USDollar #CentralBanks #ETFs #SovereignRisk #Markets #SightLines 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.

Nel Consiglio dei ministri di oggi il Governo esamina un decreto legge su Pnrr e politiche di coesione per accelerare la spesa dei fondi europei. Al centro del confronto c'è il possibile stop alla nascita di "Asset ferroviari italiani", la nuova società pubblica (Rosco) pensata per separare la proprietà del materiale rotabile dalla gestione dei servizi ferroviari. La Rosco, finanziata con 1,2 miliardi del Pnrr, era una riforma chiave per aumentare la concorrenza nel trasporto ferroviario regionale e Intercity e aveva ottenuto il via libera della Commissione Ue. Nelle ultime bozze del decreto, però, la norma istitutiva è stata eliminata, mentre resta la messa a gara dei servizi Intercity. Se l'addio alla Rosco fosse confermato, l'Italia rischierebbe di dover rinegoziare il Piano con Bruxelles o di perdere i 1,2 miliardi, a pochi mesi dalla scadenza del 30 giugno per il completamento delle milestone Pnrr. Interviene Gianni Trovati, Il Sole 24 OreIstat, export extra Ue dicembre +1,5% sul mese, import +4,3%. Ma esplode l'import dagli UsaNel 2025 l'export italiano verso i Paesi extra Ue cresce del 2,3%, sostenuto soprattutto dai beni di consumo non durevoli e dai beni intermedi, mentre l'import aumenta del 3,4%, nonostante il forte calo degli acquisti di energia. L'anno si chiude con un avanzo commerciale extra Ue di 56,1 miliardi di euro. Particolarmente rilevante il dato sugli Stati Uniti: l'export italiano verso gli Usa cresce del 7,2%, ma le importazioni dagli Usa aumentano del 35,9%, con un picco a dicembre (+61,1% tendenziale), dopo l'entrata in vigore dei nuovi dazi ad agosto 2025. Il saldo commerciale con Washington resta positivo ma si riduce sensibilmente. I dati indicano che i dazi non hanno frenato le esportazioni italiane, ma hanno spinto in modo significativo l'aumento delle importazioni dagli Stati Uniti, rafforzando la posizione commerciale americana. Affrontiamo il tema con Marco Fortis, Vicepresidente Fondazione Edison e Co-Presidente Comitato Scientifico Fondazione Edison. È Presidente del Comitato Scientifico Centro Studi Confindustria e con Lucio Miranda, Presidente e fondatore di ExportUSA.

Patrick Millikin in conversation with Mike Lawson

Don and Tom break down why hedge funds' so-called “comeback” doesn't justify their massive fees, showing how simple index portfolios continue to outperform. They challenge the idea of allocating even small amounts to speculative assets like Bitcoin, emphasizing academic research and real-world risk. The show covers Roth TSP strategies for young federal employees, the importance of international diversification, and why overcomplicated portfolios rarely add value. They also dismantle “Power of Zero” and life insurance retirement schemes, exposing their sales-driven motives. Throughout, Don and Tom reinforce their core message: disciplined saving, diversification, and simplicity beat hype, sales pitches, and emotional investing every time. 0:20 How the live radio show becomes a “magical” podcast and why Don controls the edit 1:55 Wall Street Journal hedge fund article feels like advertising 3:28 Hedge fund returns vs. outrageous fees 4:59 How simple 60/40 and 80/20 portfolios beat hedge funds 6:43 Jason in Sammamish and the Tesla/Bitcoin debate 8:11 Why speculative investing hurts regular savers 10:56 Bitcoin, hype, and institutional money myths 11:45 Bessenbinder research and why stock picking fails 13:09 Why money decisions stay emotional 14:03 Micro-cap stock failure rates 15:11 Roth TSP matching and young federal employees 16:32 When Roth vs. traditional makes sense 19:21 Mad Men, old computers, and optimism about the future 21:45 Asset allocation for young investors and AVUV vs. global funds 23:52 Why international investing matters 25:21 The case for simple one-fund portfolios 27:45 Advisors pushing annuities and insurance 29:14 Why LIRPs and “Power of Zero” plans are dangerous 34:43 Exposing insurance-driven “tax-free retirement” marketing 34:55 RetireMeet preview and upcoming events 36:39 Voice-to-text tools and listener questions Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’d like to skip over the guys chatting about cold weather and football you can to (8:15). Chris's SummaryJim and I are joined by Jacob as we continue our discussion on asset positioning and explain how we approach managing investment assets within a distribution portfolio. We outline why dollars are assigned based on purpose and timing and how asset positioning functions as a form of asset-liability matching. The episode addresses cash versus cash-like roles, outcome periods, and how specific tools are evaluated within a broader distribution-focused framework. Jim's “Pithy” Summary Chris and I are joined by Jacob as we dig further into how we think about handling portfolios once people are in retirement, specifically through the lens of asset positioning. This episode is built around clarifying how dollars get assigned jobs based on when they'll be needed and why that sequencing drives the structure of a distribution portfolio. We spend time breaking down the difference between cash and cash-like holdings and why that distinction matters when money is earmarked for different time horizons. A big part of the discussion centers on outcome periods, how certain tools behave between start and finish, and why mark-to-market pricing during that window can be misleading if you don't understand what the holding is meant to do. Jacob walks through concrete examples that show how interim movement can look unsettling even when the structure is functioning exactly as designed. We also get into why disclosure language sounds the way it does across virtually every type of holding, including ones most people are comfortable calling cash. The point isn't semantics — it's understanding the gap between legal language and functional role inside a portfolio. Everything ties back to structure, timing, and purpose. This is about how distribution portfolios actually operate in retirement, and why evaluating them with the wrong expectations creates confusion that doesn't need to be there. The post Asset Positioning for Retirees: EDU #2604 appeared first on The Retirement and IRA Show.

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you feeding your data into AI and assuming the insights it gives you are accurate? What if those confident-sounding answers are quietly steering you in the wrong direction? More agency owners are turning to AI to analyze and interpret performance data, and for good reason. Used correctly, it can save massive amounts of time and move teams beyond using AI to crank out blog posts, ads, or emails faster. But when it comes to attribution, performance analysis, and real decision-making, AI has a dangerous flaw: it's often wrong with absolute confidence. Today's featured guest understands where most agencies go wrong with AI-driven data analysis. He'll break down why large language models frequently misinterpret marketing data, how flawed inputs and assumptions lead to misleading insights, and what it actually takes to get reliable answers from AI without burning budget or making bad strategic calls. Scott Desgrosseilliers is the founder and CEO of Wicked Reports, a marketing attribution platform built specifically for e-commerce brands doing between $5M and $50M in annual revenue. Scott has spent years deep in attribution, analytics, and now AI, figuring out how to separate real signal from noise in an ecosystem where every platform claims the win. He'll talk about how most platforms may be misleading you and the framework he uses to bring sanity back to attribution for serious e-commerce brands. In this episode, we'll discuss: Why AI is sounds smart but gets marketing attribution wrong. Injecting intention into AI. The Five Forces framework to improve your AI data. 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. Why AI Sounds Smart But Gets Marketing Attribution Wrong One of the biggest myths around AI is that it's inherently "smart." Scott shared that it took eight months for Wicked Reports to release their AI analyst, not because the tech wasn't powerful, but because it was too confident while being wrong. AI models are designed to sound affirmative. Ask them a bad question, and they'll still give you a polished answer. If you ask ChatGPT if you should jump off a bridge, it'll say, "Yes, that's a great idea," unless you explicitly train it to be critical. That's a massive problem when you're dealing with revenue attribution and ad spend decisions. Another major issue is that AI lacks native understanding of time, which is foundational to attribution. Clicks, impressions, tags, and conversions happen in sequence over days or weeks. Without heavy rules, coaching, and sanity checks layered in, AI can't naturally interpret cause and effect. Left alone, it simply fills in gaps, and those hallucinations can cost you real money. Why Intention and Metrics Matter More Than the AI Tool The first thing Scott's team had to "inject" into the AI was intention. Not all campaigns exist to do the same job. Prospecting, retargeting, direct response, and existing customer campaigns each have different goals and therefore require different scoreboards. If you don't tell the AI what the intention is for each row of data, it will make assumptions. And those assumptions are usually wrong. The "North Star" metrics and leading indicators change depending on what you're trying to accomplish. A prospecting campaign shouldn't be judged the same way as an abandoned cart flow. The second big issue is AI's obsession with ROAS. ROAS is easy to latch onto because it gets rewarded with "thumbs up" feedback, but it's often misleading. If two-thirds of your reported revenue comes from repeat customers via email or SMS, AI might tell you your ads are crushing it when they're not. Simply separating new customers from repeat customers already puts you ahead of 95% of advertisers. The Five Forces Framework for Making Better Attribution Decisions To solve these problems, Scott introduced his Five Forces Framework, (intention, expectation, action, outcome, and optimization) a methodology most agencies simply aren't using. The first force is Intention, which defines both the scoreboard and the timeframe. New customer acquisition might need a 30–90 day window to show results, while an abandoned cart campaign can be evaluated in seven days. Without this context, teams panic too early and kill campaigns that haven't had time to work. The second force is Expectation, which is all about alignment. Brand owners often look at Shopify, GA4, Meta, Google, Klaviyo, and SMS dashboards—all showing different numbers. Without agreeing on a single version of truth, clients freak out and shut down top-of-funnel campaigns after five days because the data "doesn't look good yet." Setting expectations isn't a one-time conversation; it has to be reinforced constantly. Reducing Drama: Use "Scale, Chill, and Kill" to Guide Ad Spend The third force is Action, which includes launching the campaign but only after defining clear boundaries. Scott recommends setting "Scale, Chill, and Kill" zones before you spend a dollar. For example, if your acceptable new customer acquisition cost is $50–$70, that's your Chill zone. Below $50? Scale it. Above $70? Kill it. These predefined rules remove emotion, reduce second-guessing, and dramatically lower what Scott calls "psychic stress" inside agencies and brands. Once campaigns run, the fourth force—Outcome—is simply measuring performance against those zones. Did it scale, chill, or die? Optimization Is More Than Creative Tweaks Most agencies obsess over creative, constantly swapping headlines, images, and copy. For Scott, optimization should be more structured. At his agency, they use a decision log to rank potential actions by impact, focusing on whether the problem is the offer, the creative, the traffic, or the budget. But Scott added a fourth optimization factor most teams miss: signaling. If you don't send the right signals back to ad platforms, your optimization efforts don't matter. Meta, in particular, is very good at claiming credit for conversions it didn't truly drive and if it sees quick conversions, it will chase more of those, even if they're just repeat customers. Training Ad Platforms to Optimize for What Actually Matters To fix this, Scott recommends creating separate events in Meta's Events Manager for new customer purchases versus repeat purchases. That way, ad sets can optimize specifically for the outcome you want. If you're closing existing customers through email or SMS, you don't want Meta learning from those conversions. But when a new customer buys, Meta gets a clean signal and starts finding more people like them. Scott noted that when creative and offer are solid, sharpening signals alone can dramatically reduce acquisition costs within a month. You can even go deeper by signaling based on SKU types, allowing platforms to optimize toward higher-quality or more strategic purchases—not just any conversion they can grab credit 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.

Welcome to Q&A Wednesday: The YouTube Chat Free-for-All — our most interactive show of the week. Lance Roberts & Danny Ratliff answer real-time questions straight from the YouTube live chat. No scripts. No pre-selected topics. Just timely, unfiltered discussion on the issues investors are wrestling with right now. 0:00 - INTRO 0:19 - Major Mega Cap Earnings After the Bell Today 3:27 - Re-setting the Doomsday Clock 5:59 - Markets Set (Another) All-time High 11:31 - Metals as Assets - Where Are Retail Investors Piling In? 21:14 - Commodities are Just an Asset 22:33 - Dollar's Decline & Relative Strength 25:16 - Should You Pay Off Your Mortgage? 29:00 - Tokenization of Real Estate Holdings 33:27 - Roth Conversions Ahead of Higher Taxes 35:04 - How Does an Economy Work in an AI Environment 36:08 - Buying Houses for $500 Down 36:58 - Private Lending Fund? NO. 39:33 - Do Not Sell Gold to Buy a Porsche 40:38 - Take Risk, Retire Young? 44:44 - When is the proper time to rebalance portfolio? 45:54 - Risk vs Volatility 48:23 - CME Raising Silver Margin Requirements 50:17 - What Are Allocations in All-Weather Portfolio? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=XLaWDc-IGAw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "Work Sucks...or Does It?," here: https://www.youtube.com/live/ziEdWYE1VwQ -------- The latest installment of our new feature, Before the Bell, "Big Tech Drives Market Highs" is here: https://youtu.be/ut624yuAvDg ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketOutlook #MarketRisk #SP500 #EarningsSeason #PortfolioManagement #QAWednesday #InvestorQuestions #MarketVolatility #FinancialEducation #RiskManagement

In this episode of the Nonprofit MBA Podcast, Stephen Halasnik sits down with nonprofit HR expert Allison Wyatt, from Edgility Talent Partners, to explore why an organization's staff should be viewed not as an expense, but as a strategic asset. Wyatt explains how intentional hiring, clear role design, and ongoing staff development directly impact mission effectiveness, financial sustainability, and organizational culture. The conversation covers common nonprofit staffing mistakes, the hidden costs of turnover, and how leaders can better align people strategy with long-term goals—even with limited budgets. Together, they emphasize that nonprofits that invest thoughtfully in their people build stronger, more resilient organizations capable of greater impact.  

Mario Herron goes into his 3 takes of the week so far for the Chicago Bulls including why Ayo is the best trade asset, no one knows what the Bulls will do, & why the Warriors need to trade for Giannis. Mario then welcomes on Jack McGrath to talk Rose jersey retirement ceremony and what he wants the Bulls to do at the deadline. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textAsset onboarding often feels like it should get easier with experience. But for many growing biopharma and manufacturing organizations, it does the opposite.In this episode of Lean by Design, Oscar Gonzalez and Lawrence Wong explore why asset onboarding becomes more chaotic as organizations get bigger. Despite having SOPs, templates, and experienced teams, new equipment still arrives late or incomplete, ownership feels unclear, and validation, IT, EHS, and operations are forced to negotiate readiness in real time.Rather than framing this as an execution or communication problem, the conversation reframes onboarding as a risk transition that is rarely designed explicitly. As organizations scale, experience masks risk, accountability becomes assumed, and operational teams quietly inherit fragility they never agreed to own.This episode isn't about best practices or speeding things up. It's about understanding why onboarding chaos is predictable at scale—and why fixing it starts with seeing the risk clearly. Order Predictably Broken Now! https://books2read.com/predictablybroken Learn more about us by visiting: https://sigmalabconsulting.com/ Check out video episodes: https://www.youtube.com/@LeanByDesignPodcastWant our thoughts on a specific topic? Looking to sponsor this podcast to continue to generate content? Or maybe you have an idea and want to be on our show. Fill out our Interest Form and share your thoughts.

The $250,000 Asset Sitting in Your Clinic Right Now Most clinic owners work nonstop to bring in new patients while completely ignoring the most valuable asset they already have. Their past patients. In this episode of the PT Entrepreneur Podcast, Danny explains how past clients can quietly represent hundreds of thousands of dollars in recurring revenue and why most clinics never tap into it. In This Episode, You'll Learn: Why recurring revenue is the most valuable dollar in your clinic How past patients can generate predictable, stable income The math behind a $250,000 recurring revenue opportunity How one clinic built a six-figure program without ads What to offer past patients so they actually come back Why Past Patients Are Your Hidden Asset Most clinics have seen hundreds or even thousands of patients over the years. Many of those patients had great outcomes, trust the providers, and would happily return if given the right reason. Yet most clinics never follow up unless someone gets injured again. The Power of Recurring Revenue Recurring revenue creates stability. It allows owners to plan staffing, manage overhead, and grow without constant stress. Unlike the referral-eval-discharge model pushed by insurance, cash-based clinics can design ongoing services that fit patient needs and provider strengths. A Real-World Example Danny shares how one clinic launched a small group training and movement program by reaching out only to past patients. The first cohort filled immediately. A second group followed shortly after. No ads. No cold outreach. That single program now generates between $200,000 and $250,000 in gross revenue for one clinic, with members staying an average of nearly three years. Why This Works Past patients already trust you They know your quality of care You understand their history and goals They are far easier to re-engage than new leads What You Can Offer Recurring services do not have to be complex. They might include: Small group training or movement classes Monthly check-ins or tune-ups Ongoing strength, mobility, or longevity programs Remote coaching or programming The key is matching what you are good at with what your patients actually want. Create the Time to Think Strategically Many owners never build these programs because they are buried in documentation and admin work. Claire helps remove that burden so you can focus on patients and business growth. Try Claire free for 7 days Next Steps Review your past patient list Identify patients who had strong outcomes Test one simple recurring offer Start with direct outreach before ads If you are working toward going full time in your own practice, PT Biz offers a free Part Time to Full Time 5-Day Challenge. Sign up here: https://physicaltherapybiz.com/challenge

As the stock market witnesses high volatility, experts anticipate potential sharp corrections in the stock market as well as gold and silver prices. ~This episode is sponsored by iTrust Capital~iTrustCapital | Get $100 Funding Reward + No Monthly Fees when you sign up using our custom link! ➜ https://bit.ly/iTrustPaul00:00 Intro00:10 Sponsor: iTrust Capital01:00 Metals top in?01:30 Crypto marketcap02:30 Tom Lee: Time to sell metals?03:50 BTC/Silver bottom?04:45 TACO Tuesday05:30 Bloomberg: Bullish for investors not traders06:50 EU & India08:20 IMF doing the unthinkable09:30 BlackRock backtracks BTC sell-off10:10 Asset owners winning10:30 Morgan Stanley: Post Davos14:20 Christine Lagarde: Central banks may not always be around15:30 Bitcoin vs Gold is completely broken16:45 The world is waiting on crypto17:00 Outro#Crypto #bitcoin #ethereum~Trillion Dollar Comeback into Crypto?

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Most agencies don't have a marketing problem. They have a sameness problem. Their websites, their services, their "award-winning team" language. It's all the same. They even have the same promises that sound impressive but mean absolutely nothing to a prospect who's heard it 50 times this week. Today's featured guest has a pretty good idea of why agencies are blending into the background and how the ones that win are doing the opposite. He'll get into differentiation, AI, pricing confidence, RFPs, and why playing it safe is the fastest way to disappear. David Brier is the the branding expert CEOs call when their marketing hits a wall. He calls himself "rehab for brands" to help get them profitable. He is the author of Brand Intervention and Rich Brand, Poor Brand, and he's built a career around one core idea most agencies completely miss: branding isn't about looking better but about being different. After realizing there were more than 25,000 branding books and no agreed-upon definition, David distilled branding down to four words: the art of differentiation. That idea alone reframes how agencies should think about positioning, pricing, and growth, especially right now. In this episode, we'll discuss: Why Differentiation Isn't Optional in the Age of Lazy Thinking. Get Rid of the Agency Speak Saying 'No' as a Strategic Advantage Different is Better Than Better 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. Why Branding and Differentiation Are No Longer Optional for Agencies David's definition of branding cuts through the noise because it mirrors how humans actually behave. We notice what's different. We ignore what feels familiar. If your agency sounds like a remix of every other agency, your prospects' brains will quietly check out. That's why brands like Apple feel predictable in a good way. As Seth Godin once said, you know what an Apple sneaker would be like. You don't know what a Marriott sneaker would be like—and that's the problem. One owns a point of view. The other plays it safe. For agencies, differentiation means making a choice and being willing to lose people who aren't a fit. That's uncomfortable, especially if you're used to trying to appeal to everyone. But the agencies that scale aren't trying to be a choice. They're working to become the choice for the right clients. How "Agency Speak" Is Killing Your Sales Ask most agency owners what makes them different and you'll hear the same three things: our people, our process, our portfolio. That language doesn't differentiate you, it only anesthetizes the conversation. You wouldn't advise your clients to use the language of the competition, so why would you? Additionally, David also believes that brands that take a stand and aren't afraid to be bold will automatically stand out from the many many agencies that are too timid and too afraid to offend. This doesn't mean you have to be divisive. You can be bold in a way that actually brings people together. This fear of being truly different comes from the way we're all wired to believe that an amazing portfolio will be enough to draw people in. But the portfolio isn't the most important thing in the room, is the person sitting across from you. Stop leading with your work and start leading with questions. When you ask better questions and actually listen, prospects feel seen. By the time you show your portfolio, if you even need to, they've already decided whether they trust you. That kind of confidence signals maturity—and it instantly separates you from the agencies still performing their pitch deck like a talent show. Why AI Is Fueling a Sea of Sameness in Agency Marketing AI isn't the enemy… but lazy thinking is. David sees it as everyone is now outsourcing their ingenuity to the same tools, using the same prompts, producing the same safe output. The result is, of course, a sea of indistinguishable brands with no soul and no pulse. What he calls "The Great Wall of Beige." The mistake agencies make is thinking AI replaces brilliance. It doesn't. It amplifies whatever you bring to it. If you don't have a point of view, AI will happily help you sound like everyone else faster. The agencies that win in this era will use AI as a tool, not a crutch. They'll still ask, "Why the hell not?" They'll still challenge assumptions. And they'll still bring conviction, creativity, and human judgment to the table, because that's the part clients can't automate. The Power of Saying No: Reclaiming Pricing and Positioning When a buying process is run by a committee, the goal isn't excellence, it's consensus. And consensus is where great ideas go to die. This is why David stopped participating in RFPs. The most powerful move an agency can make isn't trying harder to win bad deals. It's being willing to walk away. The ability to say no signals strength. It reframes the relationship. When you stop chasing every opportunity and start choosing your clients, pricing objections lose their power. As David put it, when prospects ask why he's so expensive, he flips the script: "Why is everyone else so cheap?" That mindset shift alone changes how clients perceive your value. What's Next for Agencies to Stay Profitable in a Changing Market The landscape is changing even from week to week with new technologies, which makes it harder to predict how the industry will change in years to come. For David, it all boils down to knowing what you're selling. Agencies that sell themselves as commodities will basically go out of business. As he points out, AI is accelerating output but not judgment, taste, or leadership. When everyone has access to the same tools and prompts, the middle ground disappears fast. Agencies that sell "deliverables" instead of thinking will find themselves racing to the bottom on price, competing with software instead of strategy. In a market flooded with instant, AI-generated work, the real differentiator becomes the ability to think on your feet, challenge assumptions, and connect dots in real time. The greatest athletes, actors, comedians, and entrepreneurs in the world were able to think for themselves and could take something unexpected and work with it and improvise. Can you give people something unexpected? That's something no tool can replicate, and it's why experience is becoming more valuable, not less. Why Different Beats Better: Escaping the Race to the Bottom David strongly believes that in these times of sameness and an abundance of content that lacks pulse and personality, different is better than better. Agencies that have completely given up trying to create something unique and have instead relegated the thinking to AI will try to stand out by repeatedly stating they're better, faster, or bigger. David, however, prefers to offer something different. This gives him the confidence to face clients that come to a meeting with rehearsed questions they got from other creators to assess him and counter with "actually, you're asking the wrong question. What you should be asking is…" No framework replaces conviction. The best leaders don't answer scripted questions—they redirect them. That's how you elevate the conversation. That's how you escape commodity pricing. And that's how you build a brand people remember. 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.

Jason Jay Smart is a political adviser who has lived and worked in Ukraine, Moldova, Kyrgyzstan, Kazakhstan, Russia, and Latin America. Due to his work with the democratic opposition to Vladimir Putin, Smart was made persona non grata for life by Russia in 2010. Jason is a Special Correspondent at the Kyiv Post. It's the state of US support for Ukraine that we will discuss today.----------SUPPORT THE CHANNEL:https://www.buymeacoffee.com/siliconcurtainhttps://www.patreon.com/siliconcurtain----------LINKS:https://jasonjaysmart.com/ https://www.kyivpost.com/authors/5 https://americanpoliticalservices.com/https://www.facebook.com/jasonjaysmarthttps://twitter.com/officejjsmart ----------TRUSTED CHARITIES ON THE GROUND:Save Ukrainehttps://www.saveukraineua.org/Superhumans - Hospital for war traumashttps://superhumans.com/en/UNBROKEN - Treatment. Prosthesis. Rehabilitation for Ukrainians in Ukrainehttps://unbroken.org.ua/Come Back Alivehttps://savelife.in.ua/en/Chefs For Ukraine - World Central Kitchenhttps://wck.org/relief/activation-chefs-for-ukraineUNITED24 - An initiative of President Zelenskyyhttps://u24.gov.ua/Serhiy Prytula Charity Foundationhttps://prytulafoundation.orgNGO “Herojam Slava”https://heroiamslava.org/kharpp - Reconstruction project supporting communities in Kharkiv and Przemyślhttps://kharpp.com/NOR DOG Animal Rescuehttps://www.nor-dog.org/home/----------

After a powerful run in the markets, many investors are asking whether the stock market is too hot and what that means for their portfolio. In this episode of the Wise Money Show, we break down recent market performance, valuations, volatility, and the key forces driving stocks today, including AI, interest rates, and global diversification. You'll learn how to think about risk, rebalancing, and staying disciplined when markets are near record highs to have confidence for the year ahead.  Season 11, Episode 23 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: 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.

Links & ResourcesFollow us on social media for updates: ⁠⁠⁠Instagram⁠⁠⁠ | ⁠⁠⁠YouTube⁠⁠⁠Check out our recommended tool: ⁠⁠⁠Prop Stream⁠⁠⁠Thank you for listening!

Chris Markowski discusses the current political and economic landscape, emphasizing the importance of understanding the realities behind the headlines. He critiques the media's portrayal of national security threats, arguing that the national debt poses a greater risk to the U.S. than foreign adversaries. The conversation delves into consumer spending patterns, inflation's impact on purchasing power, and the misconceptions surrounding real estate as an investment. Markowski also highlights the significance of financial preparation and the risks associated with private equity investments, urging listeners to be cautious and informed in their financial decisions.

In this listener-driven episode, Don, Tom, and advisor Roxy Butner tackle a wide range of investing questions, starting with the explosive growth of ETFs and why many new funds—especially active, leveraged, and thematic products—may be risky for long-term investors. They discuss whether and how to exit expensive inherited mutual funds, how to use low-income years for tax planning, and why capital gains can still trigger taxes even in sabbatical years. The team reviews a complex multi-fund portfolio, explains the pros and cons of adding growth tilts, and dives into behavioral finance—offering practical ways to resist over-tinkering. They close with guidance for investing inherited money later in life, emphasizing purpose, risk tolerance, and family planning, and preview the upcoming RetireMeet event. 0:04 Intro, listener questions, and why “ETF” is not “EFT” 0:27 ETF growth in 2025 and the rise of active and leveraged funds 1:31 Why most new ETFs worry Tom (active, leverage, speculation) 2:04 Choosing the right ETF: costs, indexing, and long-term focus 3:16 Roxy joins and the listener Q&A begins 3:54 Inherited AIVSX: taxes, donating shares, and switching to ETFs 7:04 Why traditional mutual funds are tax-inefficient 8:14 Sabbatical year strategy and capital gains misconceptions 10:39 When to involve a tax professional 11:31 Portfolio mix: VOO, Avantis, international, and value tilts 12:17 Why adding VUG may increase risk 14:57 Asset location challenges and rebalancing problems 15:22 Behavioral finance: resisting the urge to tinker 19:21 How often to check your portfolio 20:10 Discipline, rules, and systematic investing 21:11 Inherited $300K at age 79: purpose and next-generation planning 23:40 Building a taxable portfolio for heirs 24:40 RetireMeet preview and featured speakers Learn more about your ad choices. Visit megaphone.fm/adchoices

What if witnessing 10 deaths in 23 years changed your view on life? In this episode, Kyle Skalisky shares how he helps teams build cultures of trust, respect, and accountability through his company Wyld Sky Aerospace and Management Consulting. After 23 years as a fighter pilot (F-15, F-16 aggressor, and F-18 in operational flight tests) and 15 years in the aerospace industry doing flight tests, Kyle recently stepped down as president and CEO of Check Six Aero Solutions to focus on giving back. His book "A Skyless Traveled: A Maverick Life of Leadership, Resilience, and the Pursuit of Purpose" shares lessons learned from the cockpit about building exceptional teams. Kyle believes good teams need three things: character (how people treat those who can do nothing for them), competence (people who can get the job done and are willing to learn), and commitment to the mission. He also wrote the book for his six and four-year-old sons, wanting to leave something showing what their father did for 50 years before they were born. Kyle reveals three relationships that shaped him: meeting President Ronald Reagan at his Air Force Academy graduation in 1984, whose speech about being solution-oriented rather than a naysayer set the tone for his career; his parents who married at 16, had six kids by 29, and just celebrated their 72nd wedding anniversary teaching him dedication and never giving up on people; and his best friend Malibu, a talented pilot who died at 30 when he hit the ground during a Red Flag exercise. Witnessing 10-11 deaths in 23 years of flying changed Kyle's perspective—he stopped worrying about what people thought and started pursuing what brought joy, realizing that if no one will remember it in five years, it's just not that important.   [00:04:20] From CEO to Giving Back Recently stepped down as president and CEO of Check Six Aero Solutions Now runs Wyld Sky Aerospace and Management Consulting Wrote book "A Skyless Traveled: A Maverick Life of Leadership, Resilience, and the Pursuit of Purpose" Serves wonderful wife Dr. Kyra Carpenter and two boys Wilder (6) and Colt (4) [00:06:00] Why Write the Book Experience is great but people never get opportunity to pass it on to next generation All people's stories are wonderful, wishes more could tell them Wants to lift up next generation that will follow Wrote book for his 6 and 4-year-old boys as older father [00:06:40] Leaving a Legacy Doesn't know how long he gets to be with boys growing up Wanted to leave something showing 50 years before they were born Show what their father did and what he believed in Pass message down to true legacy: children and family [00:07:20] Growing Up in Wenatchee, Washington Parents married at 16, had six children by 29 Didn't have much but knew wanted to do something bigger Didn't fly on airplane until 17 years old, senior in high school First flight was to Air Force Academy physical at Whidbey Island [00:08:00] The First Flight That Changed Everything Had state playoff baseball game that afternoon across state Local orchardist Jim Wade flew him in Cessna 172 Flying over Cascade Mountains, seeing Mount Rainier was transformative Changed into uniform in car, was third batter, hit three-run homer off future major leaguer [00:09:00] Air Force Academy and Finding His Passion Second time flying was leaving for US Air Force Academy (only way to get to college) Got exposed to things small town guy never traveled beyond family station wagon Found passion for flying airplanes at young age Stumbled into it with no idea it would be 23 years as fighter pilot [00:10:00] Fighter Pilot Career Flew F-15 operationally around the world for 23 years Was F-16 aggressor (adversary/bad guy that trains combat pilots) Did exchange tour with US Navy, flew F-18 in operational flight tests Retired after 23 years, went to Raytheon [00:10:40] Entrepreneurial Years Owned Great Harvest Bread company franchise (had a bakery) Co-owner of pro indoor football league team in Spokane Taught him when it's your own money, think more about spending it Helped when managing other people's money at Raytheon and Mitsubishi [00:13:20] Proudest Moment: The Team That Didn't Need Me At Raytheon, experimental R&D test airplane transitioning from single customer Customer said they don't want exclusive use anymore, won't pay for it Five year task to redefine mission, vision, create new organization After five years: "This team doesn't need me anymore, they can do this without me" [00:14:40] From One Program to 15 Had to go out and advertise capability to other Raytheon programs Restructured team to support multiple test projects instead of just one Asset went from supporting one program to 15-16 programs Worth billions of dollars in sales to Raytheon [00:15:40] Mitsubishi: Six Months of Success Mitsubishi trying to certify new regional jet, program having problems Took over program management and flight test team Program for previous 5 years never met schedule or been on budget Within first month, for next 6 months straight met schedule and under budget [00:17:00] Refocusing the Team Just through refocusing team, aligning tasks to priorities Giving people clear idea of what they did and why important to mission Aligned the focus and became best flight test team in business Better than Boeing, Airbus, Bombardier, Embraer or any large OEMs [00:19:00] Character, Competence, and Commitment Good teams have people full of character (how they treat those who can do nothing for them) Team needs competence (people who can get job done, willing to learn and improve) Third C is commitment to what they're doing Finding right people with all three is when you will succeed [00:21:20] Meeting President Ronald Reagan Air Force Academy graduation 1984, Reagan handed him diploma Speech that day embodied how Kyle wanted to live his life Not enough to be naysayer pointing out everything wrong Have to be person who can bring forward solutions [00:22:40] Reagan's Impact Shaped views about what was valuable throughout life Optimistic but understood reality, charismatic but not fake Had guiding principles but willing to change Genuinely liked people (important for any leader) [00:24:00] His Parents' Influence Parents are who really had impact on who he became Never made it feel like they gave up something for kids Felt true blessing was getting to have kids in their lives Father was athlete of year, worked morning job, bartended at night while in college [00:25:40] 72 Years Together Parents both 88 years old, just had 72nd wedding anniversary Even when times are hard, don't give up on people, work through it Father didn't become major league player but channeled into coaching Oldest brother became professional baseball player with Philadelphia Phillies [00:27:00] Learning to Live in the Moment Finding joy means learning to live in the moment Let go of past but learn lessons, don't let it define you Don't be so focused on future that you forget what's in front of you Take opportunities that may take you on detour in life [00:28:20] Losing Malibu Best friend Jim "Malibu" Reynolds was academy graduate, talented flyer Designed and built own aerobatic airplane, flew in air shows Made mistake on range in Red Flag exercise, hit ground and died at 30 Changed Kyle at 30 years old, realized it can all end very quickly [00:29:40] 10 Deaths in 23 Years Saw at least 10-11 deaths in 23 years of flying Changed how he looked at things and approached them Before worried about everything, how people thought of him Now: if no one will remember in 5 years, it's just not that important [00:33:00] The Squadron Bar Ritual Friday nights not just about drinking, it's a ritual Chance to bond with people going through similar experience Way to relax, find friendship and bonding in non-retribution way Learned more in one-on-one conversations than formal meetings   KEY QUOTES "I wrote a book because I have those six and four-year-old boys. I am an older father and I don't know how long I get to be with those boys growing up. I wanted to leave something to show for those 50 years before they were born, what their father did and what I believed in." - Kyle Skalisky "Good teams have people full of character. You can't define that on a resume. It's how people treat those who can do nothing for them. But you also have to have competence. Then the third C is commitment." - Kyle Skalisky CONNECT WITH KYLE SKALISKY 

In this episode we discuss our 2026 outlook and the bull vs bear scenarios we’re tracking across AI monetization, the consumer, and the policy path. #SightLines #Outlook2026 #AI #Consumer #Policy #Markets #Macro 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.

In this episode, Griffin Hamilton sits down with Ben Moller, VP at Modelve, to discuss how facilities teams can move from reactive asset replacement to long-term, data-driven capital planning.They explore leadership buy-in, scenario planning, and how using existing CMMS data can help organizations make smarter asset investment decisions, even with limited budgets. Key Takeaways• Leadership buy-in is essential for long-term asset strategy• Start with the data you have and improve iteratively• Scenario planning creates better, more transparent decisions• Strong asset plans support grants, bonds, and future fundingIf you're interested in learning more about Modelve, check out their website and contact Ben here.

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Have you ever questioned whether you're actually built for the hard seasons of agency life? When things get messy, unpredictable, or overwhelming, do you wonder if you have what it takes to keep going or if everyone else somehow got a playbook you missed? Most agency owners don't wake up one day and decide, "I'm going to build an agency." They trip into it. One project turns into two, side work turns into real revenue, and suddenly you're invoicing clients without knowing what an invoice number is supposed to look like. Today's featured guest unpacks what it really looks like to build an agency without a roadmap. Through failed partnerships, stalled careers, and moments where quitting felt easier than continuing, he developed the resilience and mindset required to keep moving. Cliff Skelliter is a serial entrepreneur and owner of Launchpad Creative, a design-thinking agency, working across brand identity, video production, and strategy. They blend artistry, functionality, and brand communication to create captivating digital and physical spaces that not only engage and inspire but also reflect the essence and values of the organizations they work with. In this episode, we'll discuss: The Easiest Choice: Leaving his Career and Going All-In on the Agency What He Learned from His Partnership Experiences Self-Belief as the Most Important Lesson for Agency Owners 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. When Going All-In on the Side Hustle is as Easy Yes Cliff didn't grow up in a family of entrepreneurs, and never set out to "start a business." His entry into agency life wasn't strategic, it was reactive. While working an internship at Canadian news station CTV, he saw the ceiling in broadcast media and realized that no matter how talented or ambitious he was, there was a limit to how far that career could go. Meanwhile, he was already getting requests to work on some projects outside of the station. Eventually, the projects kept getting bigger and the people at the station complained Cliff was creating a conflict of interests with his side hustle, as clients chose him, instead of the station, to produce their commercials. It was an ultimatum, and the choice was clear. By then, that "side hustle" was more lucrative and offered more creative control. Plus, it was just more fun. What's important here isn't just how Cliff started—it's what he didn't have. No business background. No sales training. No master plan. Like many agency owners, he learned by doing, Googling, guessing, and occasionally getting it wrong, which is mostly the default path. The danger is assuming everyone else has it figured out, while you're making it up as you go. Agency Partnerships: When They Work and When They Break You Cliff's first business partnership was both formative and brutal. His partner helped get the business off the ground but was dishonest, reckless, and ultimately destructive. While Cliff focused on creative work, his partner handled sales and accounts… and quietly created financial chaos. When the partner disappeared, Cliff was left holding the debt and the consequences. Many agency owners bring on partners not because it's strategic, but because it feels safer. Someone else handles sales. Someone else deals with money. Someone else shares the weight. But if values, ethics, and accountability aren't aligned, the cost can be enormous. Thankfully, Cliff was able to recover from the blows to both the agency's finances and its reputation. He also gave partnerships another chance. The second partnership was different and far more successful. Cliff partnered with someone who combined complementary skills to build a business that lasted nine years. It worked because each person did what they were good at and didn't want to do the rest. Even then, the partnership eventually ended, not because of business failure, but personal life complications. Partnerships aren't good or bad by default; they amplify whatever already exists. Clear roles, boundaries, and shared values make them powerful. Avoidance, people-pleasing, and lack of communication make them fragile. Resilience, Self-Belief, and the Placebo Effect of Entrepreneurship Cliff got important lessons from both experiences, mainly that he's much more capable than he thought. He could handle sales, which is something he doubted for years. Like many agency owners, he assumed you had to be a certain "type" of salesperson or personality to run a business. In reality, you just need to ask better questions and not be afraid of uncomfortable conversations. He also learned he's far more resilient than he gave himself credit for. Most agency owners would testify to the fact that the universe constantly gives you outs. Jobs. Acquisitions. Easier paths. And yet, something in your gut says, "I'm not done." That resilience isn't logical. It's identity-level. Entrepreneurship stops being something you do and becomes something you are. He now understands the importance of believing in himself, even when it seems absurd. Your mind alone can trigger real physical outcomes. When doubt creeps in, remind yourself that belief itself is a lever. Not hype and not manifesting nonsense; just the willingness to keep going when the story in your head tells you to quit. 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.

Summary:In this episode, Jasmine Womack discusses the critical aspects of selecting the right coaching programs to ensure they serve as assets rather than liabilities. She emphasizes the importance of understanding what to look for in a coach, the traits that make a coach effective, and the red flags to avoid. Jasmine also highlights the necessity of discernment in making coaching choices, encouraging listeners to do their due diligence before investing in coaching programs.Takeaways:- Investing in coaching can lead to a higher ROI.- Choosing the right coach is crucial for self-confidence.- Avoid unrealistic expectations when selecting a coach.- A good coach should have a proven track record.- Communication skills are essential for effective coaching.- Aligning values with your coach is important for success.- Inspect potential coaches thoroughly before committing.- Discernment is key in the coaching selection process.- Be aware of red flags that indicate a coach may be a liability.- Take ownership of your investment and responsibilities in coaching.Sound bites:"People who have a coach get better ROI.""A good coach leads by example.""You have to sharpen your discernment."Chapters:00:00 Introduction to Coaching Selections02:46 The Importance of Choosing the Right Coach12:07 Key Traits of an Effective Coach22:09 Red Flags to Avoid in Coaching26:31 The Role of Discernment in Coaching ChoicesGrab your Free Download: 100+ Ways to Monetize Your Brand Building Book: https://www.jasminewomack.com/100-waysGrab Your VIP Seat to the next Monetize Your Book Challenge: https://www.jasminewomack.com/monetize

What did you think of todays show??More doors won't fix a cash problem. If you're doing deal after deal but the money never stacks, something in your real estate business isn't working the way you think it is. In this episode, we unpack what's keeping investors stuck in that cycle and how to finally get out of survival mode — from the reality of building wealth with rentals to the skill that will keep your business afloat.Topics discussed:Introduction (00:00)Asset protection vs. tax strategy (01:04)Why most investors leave after a few years (03:31)The risk/reward of scaling flips and assignments (06:08)Building wealth with rentals from day one (09:30)Rentals and generational wealth (15:01) Paper wealth vs. cash reality (16:01)The deal-to-deal trap for flippers (18:59)Why marketing and sales are your most valuable skill (19:52)Market delusion and unreliable comps (21:11) The difference between systems and operations (27:14)How contractors can make or break a deal (33:39)How to promote your business without it getting awkward (40:37)Connect with Greg Helbeck:https://www.instagram.com/grego_37/Sign up to join the FREE Scale Community! https://collectingkeys.com/Want deeper breakdowns like this every week? Subscribe to the Collecting Keys newsletter! https://collectingkeys.com/newsletter/Follow us on Instagram!https://www.instagram.com/collectingkeyspodcast/https://www.instagram.com/mike_invests/https://www.instagram.com/investormandan/https://www.instagram.com/dylan_does_dealsThis episode was produced by Podcast Boutique https://www.podcastboutique.com

Helpful Links:One-On-One Mentorship on Marketing I dig into why a clear perspective beats trend chasing and how consistent offers, honest portfolios, and human copy build trust that books. How to incorporate your perspective into your marketing. • choosing one or two sustainable offers• monthly money habits that create bandwidth• popularity versus profitability perspective• trust through consistent work and messaging• aligning website tone with social voice• writing copy that describes your viewpoint• bold positioning that repels and attracts• creating tangible next steps after inquiryCurrent Limited Time Offer: If you want one-on-one, it's $600 for three calls if you're in the membership, $750 if you're not. Join the membership for weekly live Q&A and offer alignment support.My Instagram + My Membership

In this insightful episode, host Vince Perry, Certified Exit Planning Advisor (CEPA) and Business Broker, sits down with strategic advisor Jason Bush of Linville Team Partners to break down one of the most overlooked components of business exits: commercial real estate. Jason is a CEPA who operates at the intersection of M&A, commercial real estate (CRE), and exit planning. In this conversation, he explains how business owners can significantly increase their total enterprise value by treating real estate as a strategic asset—not an afterthought—during the sale process. For many Main Street business owners, the majority of their net worth is tied up in the property. Yet in most M&A transactions, the analytical rigor is applied almost exclusively to the operating company, leaving the real estate undervalued and poorly structured. Jason's unique background—combining quantitative experience as a former Civil Engineer and Professional Engineer (PE), buy-side M&A exposure, and CRE advisory—gives him a rare perspective on how to properly align business and real estate strategy to maximize outcomes. In this episode, you'll learn: The Overlooked Asset: Why commercial real estate is often ignored in exit planning and how separating OpCo and PropCo can unlock significant net worth. The Undermarket Rent Trap: How failing to set market-based rent can destroy income-based valuations and limit wealth creation. Creating Optionality: How to structure flexibility so you can choose whether to sell, retain, or lease the real estate at exit. Maximizing Value After the Sale: Why selling the business first—especially to private equity—can increase real estate value by improving tenant credit quality and compressing cap rates. Lease Pitfalls: How month-to-month leases can drop a company's valuation floor to zero and why lease terms matter just as much as financials. If you're planning an exit—or even thinking about one—this episode will change how you view commercial real estate in your overall strategy.

In this episode, I'm joined by Gerard Davis, a qualified commercial solicitor and Business Development Manager at Talbots Law, to break down a real commercial property deal involving lock-up garages — and why this type of asset can be a smart, low-barrier entry point into commercial property.We talk through Gerard's purchase of 12 lock-up garages for £51,000, how he identified that the asset was significantly under-rented, and why the value in the deal came from fixing the income, not development. By using commercial agents to increase rents and re-let units properly, the income was stabilised and later supported a RICS valuation of £140,000.We also discuss how Gerard structured the deal long term by selling the asset into his SSAS pension, allowing rental income to be received tax free within the pension — and why getting the legal and professional advice right is critical when using this type of strategy.This episode is particularly useful if you're:Investing in residential and considering moving into commercialCurious about under-rented assets and income-led value creationExploring lock-ups as a first commercial investmentInterested in pension-led property strategies such as SSASTalbots Law: https://www.talbotslaw.co.uk/site/people/gerard-davis/LinkedIn: https://www.linkedin.com/in/gerard-davis-solicitor-a1a923155/

In this episode, we cover in detail our report Outlook 2026: Rewiring Growth, where we discuss a look back at 2025, how AI can fuel improved productivity and new sources of economic growth, our positive outlook for the coming year, and our bear and bull case scenarios. View the Investment Strategy Brief slides related to this episode here Watch the video related to this episode 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.

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.  

This week on my podcast, I read “Code is a liability (not an asset),” a recent post from my Pluralistic.net blog, about the bad ideas behind the drive to replace programmers with chatbots. Code is a liability. Code’s capabilities are assets. The goal of a tech shop is to have code whose capabilities generate more... more

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.

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.

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

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.

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)