Podcasts about Asset

Gold has been surging this year—but what's behind the rise, and what should investors keep in mind before buying in?Precious metals, such as gold and silver, have long fascinated investors, particularly in times of economic uncertainty. But are they wise investments for today? If so, how should we approach them? Mark Biller joins us today to talk about investing in precious metals.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. The Surge in Gold and SilverGold's remarkable rise has captured headlines again, now up over $4,000 an ounce—up from about $2,600 at the start of 2025. That's a 50% gain this year on top of last year's 26% surge. Silver has jumped even higher, up roughly 60%, while gold mining stocks have more than doubled.What's behind this stunning rally? Several key forces are at play. Global central banks have been buying gold aggressively, a trend that accelerated after the U.S. froze Russia's dollar reserves in 2022. This event shook confidence in the U.S. dollar as a neutral reserve currency. Add in fears of currency debasement stemming from massive government spending since the COVID pandemic, and gold suddenly looks like a safer store of value.As investors around the world look for stability, gold—the “4,000-year-old alternative currency”—is once again shining.To understand today's prices, it helps to look at history. Adjusted for inflation, gold recently surpassed its all-time high from January 1980. Silver, meanwhile, is nearing $50 an ounce—the peak it hit in both 1980 and 2011—but still lags behind those highs when adjusted for inflation.These cycles remind investors that precious metals often move in waves—soaring during manias, then enduring long pullbacks. After its 1980 peak, silver prices dropped nearly 90%; after 2011, they fell by about 70%. Understanding those cycles helps set realistic expectations and temper “gold rush” enthusiasm.Gold as a Store of ValueUnlike stocks or bonds, gold doesn't produce income or dividends. That makes it tricky to value—but also unique. It's not a productive asset; it's a preservative one.For centuries, an ounce of gold could buy a fine men's suit. The same holds true today, illustrating its enduring purchasing power. Gold's real role isn't to generate profit—it's to store value when currencies lose theirs.Viewed this way, gold functions as an alternative currency to the world's paper money systems. As inflation rises and confidence in traditional currencies wavers, gold's relative stability stands out.Gold's appeal intensifies during uncertainty. Whether it's inflation, war, or financial instability, investors turn to gold as a hedge. While Americans rarely consider regime changes, history is filled with nations where financial systems collapsed, and gold helped preserve wealth across transitions.Even in less dramatic times, when governments respond to crises by printing more money, gold tends to perform well. As fear increases, so does the appetite for precious metals.Gold, Silver, and Mining Stocks: Knowing the DifferenceEach part of the precious metals market serves a different role:Gold is the foundation—a global monetary metal and store of value. It's what central banks buy, and it tends to be more stable.Silver is both a monetary and an industrial metal. Its demand fluctuates more with the economy, primarily due to uses in electronics and solar panels. That makes it more volatile—but also more accessible to smaller investors.Mining Stocks are speculative. While they can surge when gold prices rise, they're also risky. Over the long term, mining stocks have underperformed, so investors should approach them with caution.How to Invest Wisely in Precious MetalsWe recommend a balanced approach: Physical gold and silver provide direct ownership and long-term stability. However, storage and security are concerns, so it's best to keep this allocation small—around 5% of your portfolio.ETFs (Exchange-Traded Funds) offer convenience and liquidity. They're ideal for active management and diversification.Combining both approaches provides flexibility and peace of mind—anchoring part of your wealth in tangible assets while keeping another portion readily accessible for use.As with any investment, precious metals should be approached with discipline and perspective. They're best viewed as part of a long-term diversification strategy—not a get-rich-quick play.To learn more about investing wisely in gold and silver, Sound Mind Investing has released a free special report for Faith & Finance listeners. Download your copy at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I own a 100-year-old building where I live and also rent out a couple of units. It's well built but always needs work. Thankfully, I can handle many of the repairs myself, as I come from a family of electricians and real estate professionals. The issue is, I can't seem to deduct much of what I do on my taxes, even though I spend a lot of time maintaining the property. I also sometimes barter with family and friends, helping them with projects in exchange for their help. Is there a legal way for me to charge for some of my time or count this work toward deductions?I've got about $7,000 to $8,000 in credit card debt, and I'll be leaving my job soon. I have a 401(k) with a balance similar to mine, and I know that taking it out early means incurring taxes and penalties. Would it make sense to cash out my 401(k) to pay off my credit cards, or would you recommend an alternative approach?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind Investing (SMI)Inflation History: The Rise and Fall of the U.S. Dollar (Free Report by Sound Mind Investing)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A recent report in the Financial Times has outlined how a state fund in Turkey has become one of the country's largest business holdings, controlling over 1,000 companies. This comes in the wake of an anti-corruption drive that moved hundreds of private companies into government hands, raising the question: Is this asset grab politically-motivated? Wolfango Piccoli, the co-founder of risk analysis company Teneo, joins Thanos Davelis today as we dig into this story.You can read the articles we discuss on our podcast here:Crackdown or capital grab? Turkey state fund controls 1,000 businessesGreece reaffirms stance on Turkey's participation in EU SAFE programAthens faces two drone fronts

Listen now: Adalvo – advancing pharma with private equity and an asset-light model

In this episode of EisnerAmper's Engaging Alternatives podcast series, Elana Margulies-Snyderman, Director, Publications, speaks with Keri Findley, CEO & CIO, Tacora Capital Management, an investment manager specializing in asset-based lending opportunities in specialty finance and insurance. Keri, a former Partner at Third Point Capital, shares her outlook for providing bespoke, founder-friendly financing solutions to high-growth, tech-enabled companies including the greatest opportunities and challenges. She also discusses her experience being a woman in the industry. ✨ What you'll learn:

Jason discusses various economic and cultural trends impacting real estate investment. The core argument revolves around the decline in household size due to factors like lower marriage and fertility rates, the rise of feminism, and government policies like welfare programs, which consequently increases demand for housing units. Jason connects these societal changes to the desire of consumer product companies and taxing authorities to encourage single-person households and divorce to boost sales and tax revenue, respectively. Finally, he strongly advocates for direct investment in real estate over investing in syndications or funds, warning of potential fraud, incompetence, and excessive fees associated with those investment vehicles, citing a recent criminal indictment as an example, and arguing that when correctly calculated, real estate offers superior leveraged returns compared to the stock market or gold. Reach out to our investment counselors at 1-800-Hartman ext. 2 NOW! Check out our properties at https://www.jasonhartman.com/properties/  Analyze properties NOW. Get a FREE account at https://propertytracker.com/ today. https://fred.stlouisfed.org/  #HousingDemand #DecliningHouseholdSize #FewerPeoplePerHouse #FertilityDisaster #MarriageRateDecline #SecondWaveFeminism #BirthControlGamechanger #MediaFrenzy #EncouragingDivorce #ConsumerProducts #SellingMoreToasters #BrainwashingInstitutions #PublicSchools #NonFamilyHouseholds #LivingAlone #FatherlessHomes #AidToFamiliesWithDependentChildren #GreatSociety #RealEstateOpportunity #DirectInvestor #MaintainControl #CommandmentNumberThree Key Takeaways: 1:29 Changes in household size 7:17 Percentage of households by type 8:39 LBJ and "The Great Society" 10:20 The rise of living alone and the steady decline in household size 12:23 Median sale price year over year 13:06 Commandment #3 18:02 Current "guru" indicted 21:12 Asset price inflation since 2015 27:04 William Shakespeare and investing in income property today   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Ever wonder why some brand podcasts blow up while others die after five episodes? Or why a few companies seem to build die-hard fans while other can't seem to connect? Today's guest specializes in helping brands create podcasts that deliver true value. He explains how brands can use podcasting to build real connection, not just rack up downloads. From breaking up with the traditional ad world to creating top-ranked shows for global brands, he reveals why consistency, authenticity, and a bit of weirdness might be your secret weapons. Roger Nairn is the Co-Founder and CEO of JAR Podcast Solutions, a brand podcast agency based in Vancouver, BC. With a 25-person team, Roger helps brands like Amazon and Sage create shows that connect deeply with their audiences. After spending over two decades in the advertising world at top agencies like DDB and Cossette, he's now on a mission to show companies that the real ROI of podcasting isn't downloads, it's attention and connection. In this episode, we'll discuss: What brands really want in a podcast. Why consistency beats quick wins. Audiences prefer audio podcasts over video ones. Why is that? Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. From Ad Exec to Agency Founder Before podcasting, Roger spent more than 22 years in the traditional advertising world and loved the culture, but he noticed the industry shifting. Programmatic ads were taking over, budgets were shrinking, and the whole game was turning into a race to the bottom. Around the same time, Roger started podcasting as a hobby, mainly as an excuse to talk to people he admired like Seth Godin and Stefan Sagmeister. When he eventually connected with his co-founders, they realized there was a wide-open opportunity for brands to use podcasts in a smarter way. JAR Podcast Solutions was born. The idea wasn't just to launch shows, but to help brands understand their audiences and create the kind of binge-worthy audio content that builds trust over time. What Brands Really Want in a Podcast One of Roger's first steps was sending out message to ten different businesses on LinkedIn. The second response he received referred him to the head of marketing of Sage, a brand whose audience wanted to explore wellness beyond traditional medicine. A few days later they sat down to discuss what a podcast could look like for that brand and ended up creating Well Now, a show about taking control of your health through alternative approaches and powerful personal stories. The show took off, so much so that it briefly outranked Oprah in Apple's health and wellness category. The key wasn't just producing episodes, it was research. Roger's team uncovered what Sage's audience really wanted and built the podcast around those needs. This is true for every brand wanting to launch a podcast: stop creating content for yourself, and start with what your audience actually cares about. Consistency Beats Quick Wins Contrary to what many think, podcasting is not an overnight growth hack. Too many brands think they'll see results instantly. The reality is building an audience takes time. The good news is that, according to Roger, the podcast industry remains incredibly friendly and willing to collaborate, which is a great way reach new audiences. Other important steps to grow include pitching your show to big platforms like Apple Podcasts and getting them to feature it, as well as the actual merchandizing of the show. All of this, however, will amount to nothing without the most important element: consistency. If you want to stay consistent, do not compare yourself with the big players out there. This is the biggest enemy of consistency and will only lead to frustration. Don't expect to be the next Joe Rogan in year one or you'll end up disappointed and unmotivated to keep posting. Instead of focusing on vanity metrics like downloads, Roger recommends focusing on consumption. Without a doubt, creating a podcast might be the single most important things you can do to build your brand. If your listeners are spending two hours a month with the brand, that's two hours of intimate attention—something no other marketing channel can match. Why Audio Wins Over Video While many companies want both video and audio, audio tends to outperform. According to Roger, this happens because listening to a podcast is intimate. It's you in someone's ear while they drive, work out, or walk the dog. It's “me time,” not multitasking. Compare that to video, where distractions are constant and attention spans are short. Unless you're a celebrity like the Kelce brothers or Joe Rogan, most people aren't going to watch two talking heads for hours. They'll sample a short video clip, but they'll actually consume the full conversation in audio. The portability of podcasts makes them an executive's favorite medium, because you can take them anywhere, from the car to the gym to the airport lounge. In fact, new research shows that people will switch how they're watching throughout the day. They may start watching it on their TV and later switch to audio while they're at the gym. The Real Secret: Authenticity Over Perfection Beyond consistency, Roger emphasized that the best podcasts bring personality and vulnerability to the table. Listeners don't want a polished corporate message. They want the real you with flaws, mistakes, and all. Listeners often recall personal details Jason's mentioned on the show, like anecdotes about Aspen. That intimacy is what makes podcasts such a powerful trust-building tool. The trick is to stop trying to sound like someone else. Early on, stop trying to be the next Gary Vee and see how much better authenticity works with the audience. As long as you're being yourself and keep consistent with posting, you can become that reliable friend that is now part of their routine and consistently delivers value to them. Once they're loyal listeners who trust you, joining your community - or even buying from you - becomes a natural next step. The Weird Side of Podcasting Of course, every podcaster has their weird stories. For his part, Roger recalled recording with a guest who had to set up shop in a hotel closet, surrounded by pillows and blankets, just to dampen the echo. Not glamorous, but it worked. Jason has also recorded a podcast at a hotel room, when right after a speaking event he was approached by two attendees who said they inspired him to start their own podcast and would go buy the equipment right that moment and wanted him to be their first guest. They saw the opportunity and took it. This is the reality of podcasting: it's not about perfection, it's about connection. If you're waiting for the perfect studio setup or production conditions, you'll never start. Get scrappy, launch, and let the consistency carry you forward. 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.

When it comes to Social Security, everyone has an opinion, but what does the math (and financial planning) actually say? We searched our YouTube comments to respond to your most common frustrations and misconceptions about Social Security. From "I don't want to spend down my own money first" to "I'll just invest my Social Security checks," we unpack the truth behind listener questions and comments.  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://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/KGxKPu9j6kk  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.

#651: Many who reach CoastFI find themselves in a strange in-between: financially independent enough to stop saving, but not ready to fully retire. When you're living off a taxable brokerage for decades, does the “never hold bonds in taxable” rule still apply? This episode explores how traditional asset location advice meets real-life spending. We unpack how to balance growth, taxes, and stability when your taxable account becomes your paycheck. Then we shift to two more listener dilemmas: helping a parent retire through shared home ownership, and using covered-call strategies to earn income from a stock-heavy portfolio. Listener Questions in This Episode Brandon (1:28): “I'm CoastFI and will withdraw from my taxable account for the next 20 years. Should I hold bonds in taxable, or keep it all in stocks?” Brandon's retirement accounts can grow untouched, but his taxable brokerage will fund two decades of living expenses. The classic rule says avoid bonds in taxable, yet Paula explains why that advice isn't universal. When your taxable account funds your life, it needs to act as a complete portfolio. We discuss how to balance risk, prioritize liquidity, and plan your glidepath into CoastFI life. Andrew (22:07): “My spouse and I co-own a home with my mother-in-law. How can we help her retire without creating family tension?” We explore fair, flexible ways to support an aging parent while keeping relationships healthy. Paula explains how to design a win-win deal and why seller financing can help balance cash flow and peace of mind. Chandan (49:16): “Can covered-call ETFs help me generate income from my stock portfolio and RSUs?” We explain how covered calls work, what “covered” really means, and the tradeoff between steady income and limited upside. For those with concentrated stock positions, Paula shares when covered calls make sense—and when simpler plans win. Key Takeaways The “no bonds in taxable” rule isn't universal. When you're drawing solely from taxable accounts for many years, that account needs to function as its own mini-portfolio, including bonds or cash for stability. Asset location follows purpose, not dogma. Tax efficiency matters, but liquidity and risk management take priority when the account funds your life. Think in terms of buckets. Your retirement accounts can stay growth-oriented while your taxable account carries the ballast for spending. Plan ahead for rebalancing. When taxable balances decline, know how and when to refill your bond/cash sleeve from other sources to keep your glidepath intact. The transition to CoastFI is a mental shift. You're no longer optimizing for maximum returns, you're designing for peace of mind and steady withdrawals. Chapters Note: Timestamps are approximate and may differ across listening platforms due to dynamically inserted ads. (01:28) Brandon's CoastFI question: bonds in taxable when withdrawals start now (03:56) Why “no bonds in taxable” is a rule of thumb, not a law (12:42) How to treat taxable as a stand-alone portfolio (18:31) Balancing tax efficiency with cash-flow reality (25:26) Helping a parent retire through shared property ownership (01:05:40) Options: Buying or selling with Options (01:07:07) Covered calls explained simply, income with a ceiling Resources & Links Asset Location Cheat Sheet (free): affordanything.com/assetlocation Guide to Double-I FIRE (free): affordanything.com/fiire Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, Jim brings on Tom Dunkel, founder of Eagle Capital Investments, co-founder of U.S. Mortgage Resolution (11k+ loans transacted), real-estate investor, and author of The Wealth Builders Playbook. Tom left the “corporate penitentiary,” got bloodied in '08, then built durable wealth across distressed mortgage debt, self-storage, STRs, and a fund-of-funds platform.  They break down why “now” is always the right time if your horizon is long, how to own the paper when bricks are a pain, and how to evaluate deals with his SAFE method so you compound without blowing up. What You'll Learn Why headlines aren't a strategy: time horizon and cashflow beat “perfect timing” Distressed mortgage debt 101: how banks offload non-accrual loans—and how pros work them out The SAFE due-diligence method (Sponsor, Asset, Financials, Exit) you can apply to any alt deal Active vs passive: “who, not how” for busy owners who want diversification without a second job How tax advantages (depreciation, cost seg) and steady cashflow protect high earners Action Steps 1. Map Your Horizon & Cashflow Decide your hold period (5–10+ years) and set a monthly cashflow target that makes you work-optional. 2. Run SAFE on Your Next Deal Vet the Sponsor first, then Asset, Financials, and Exit. If any letter fails, pass and keep your powder dry. 3. Choose Your Lane Active: commit to learning, mistakes, and reps. Passive: piggyback a proven operator's network (fund-of-funds, co-GP) to diversify now.

Nish and Rahul discuss the major challenges facing our industry: high costs and complexity of traditional systems, a lack of real-time data, and the need for more proactive and predictive maintenance. Then they offer their solutions. Welcome to Elevating Brick and Mortar, a podcast about how operations and facilities drive brand performance.On today's episode, we talk with Nish Kanapilly and Rahul Subramany, Co-Founders of Monaire. Monaire uses state-of-the-art diagnostics to predict HVAC and refrigeration issues before failure. Monaire promptly dispatches technicians to address issues, thereby preventing downtime, food waste, and energy waste. About Nish:With 16+ years in HVAC, Nishant Kanapilly, a mechanical engineer and MBA, excels in sales strategy. Multiple sales awards highlight his success in expanding market share, revenue, and profit. A seasoned presenter at local and national conferences, he brings top-level insights from his role as Sales Leader at Trane Technologies.About Rahul:Rahul Subramany is deeply committed to addressing climate change and its effects on our world and all who live in it. At Monaire, he's channeling this passion into action. He builds products to help the Monaire team deliver breakthroughs in sustainable heating and cooling technologies. The team's goal is to significantly lower carbon emissions and pave the way for a greener, more sustainable future.TIMESTAMPS:01:23 - About our guests06:07 - What Monaire solves for16:50 - Asset management22:43 - Making management predictive35:00 - Tying our business to our customers41:00 - Why is sustainability so hard?45:48 - Diving into AI53:54 - Where to find our guestsSPONSOR:ServiceChannel brings you peace of mind through peak facilities performance.Rest easy knowing your locations are:Offering the best possible guest experienceLiving up to brand standardsOperating with minimal downtimeServiceChannel partners with more than 500 leading brands globally to provide visibility across operations, the flexibility to grow and adapt to consumer expectations, and accelerated performance from their asset fleet and service providers.LINKS:Connect with Nish on LinkedInConnect with Rahul on LinkedInConnect with Sid Shetty on LinkedinCheck out the ServiceChannel Website Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the InsuranceAUM.com podcast, host Stewart Foley, CFA, is joined by Frank Melaccio, CFA, CPA, FRM, Vice President, Finance and Treasurer at Horizon Blue Cross Blue Shield of New Jersey, and Jason Young, Head of U.S. Corporate Private Placements and Private Structured Credit at MetLife Investment Management (MIM). The discussion explores the evolving role of investment-grade private credit and asset-based finance (ABF) in health insurance investment portfolios. Both guests share their career journeys, personal anecdotes, and their perspectives on strategic asset allocation within the unique cash flow structures of health insurers.   Together, they dive into the diversification benefits, relative value opportunities, and liquidity considerations of IG private placements and ABF. Frank offers insights into how health insurers manage illiquidity risk while optimizing return on capital, and Jason sheds light on how the ABF market has matured with shorter durations and more investor interest. This episode is packed with expert perspectives on credit market dynamics, the future of private fixed income, and how health insurers can better position their portfolios in today's rapidly changing environment.

As we head into the final quarter of the year, Kris invites you to shift your focus—from running the business to owning the business. She challenges high-achieving female founders to stop operating on autopilot and start thinking like the visionary asset holders they are. Too many women spend years building companies without ever asking the most important question: What's the plan? Whether you eventually want to sell, scale back, or simply create more freedom, your business deserves a clear direction—and so do you. Kris also introduces the Sage Mini Mastermind, a 12-week experience for women running multi-million-dollar businesses who are ready to step out of the weeds, lead from wisdom, and build a business that runs beautifully—with or without them. Here's what we explore in this episode: Why “normal” growth years don't mean failure—and how to talk to yourself about success differently How to approach bonuses and performance evaluations with clarity and confidence The difference between running a business and owning one—and why most founders avoid exit planning How to assess your business's readiness to run without you Transitioning from “decider-in-chief” to advisor and visionary Turning your experience, intuition, and wisdom into tangible business assets through a personal “mind bank” This episode is your reminder that your company isn't just a vehicle for achievement—it's an asset for freedom. The Sage Era begins when you stop measuring success by how busy you are and start designing your business to serve the woman you've become. Contact Information and Recommended Resources Don't leave your biggest asset to chance—get on the Sage Mini Mastermind waitlist now at www.thevisionary.ceo/sagemm.   Linkedin Instagram Facebook Pinterest

Ready to save $10k-$50k in taxes this year? https://taxstrategy365.com/pod-appJoin my free community to learn about tax strategy: skool.com/taxesLet's connect!► Instagram: https://www.instagram.com/ryanbakkecpa/► LinkedIn: https://www.linkedin.com/in/learnlikeacpa/► Twitter: https://x.com/RyanBakkeCPA► Facebook: https://www.facebook.com/ryanbakkecpa► TikTok: https://www.tiktok.com/@ryanbakkecpa*None of this is meant to be specific investment advice, it's for entertainment purposes only.

Featured in this podcast are Sajjid Chinoy, Ayako Fujita, Junya Tanase, Takafumi Yamawaki, Rie Nishihara and Tim West. This episode was recorded on October 10, 2025. The surprise election of Sanae Takaichi as head of the Liberal Democratic Party (LDP) in Japan has brought Abenomics back in the air. But the macro environment in Japan is currently very different with inflation uncomfortably elevated and sticky. To make sense of what Takaichi would mean for economic policy and markets, Sajjid Z. Chinoy (Head of Asia Economics) and Tim West (Executive Director, Japan Sales) are joined in this week's podcast by: Ayako Fujita – Chief Japan Economist Junya Tanase – Chief Japan FX Strategist Takafumi Yamawaki – Head of Japan Fixed Income Research Rie Nishihara – Head of Japan Equity Strategy This podcast was recorded on Oct 10, 2025. This communication is provided for information purposes only. Institutional clients please visit www.jpmm.com/research/disclosures for important disclosures. © 2025 JPMorgan Chase & Co. All rights reserved.

From the operatory to the tech world.How one dental assistant turned her skills into success. In this episode, Kevin Henry sits down with Treneice Negron, a former dental assistant who transformed her clinical experience into a thriving career in dental technology. Treneice shares how her adaptability, organization, and deep understanding of patient care helped her transition from chairside work to a key role at SOTA Cloud, a modern imaging software company. She opens up about making a bold career move during the pandemic, the importance of staying curious about technology, and how dental assistants can leverage their hands-on expertise to grow beyond the operatory. Her story is an inspiring reminder that the skills learned in dentistry can open doors to new and fulfilling opportunities. Connect with Treneice Website: https://www.sotacloud.com/ LinkedIn: https://www.linkedin.com/in/treneicenegron/ —-------------------------------------------- Hey friends—cool news! The Dental Assistant Nation Podcast was featured on Feedspot's Top 100 Dental Podcasts and their Top Dental Assistant Podcasts list. Huge thanks to you for listening, subscribing, and supporting the show. Couldn't have done it without you. Go check it out—we're listed alongside some amazing shows! 100 Best Dental Podcasts - https://podcast.feedspot.com/dental_podcasts/ 4 Best Dental Assistant Podcasts - https://podcast.feedspot.com/dental_assistant_podcasts/

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training What do you do when your career takes an unexpected left turn? And how do you know when it's time to stop hustling like a freelancer and start leading like a CEO? Today's featured guest found herself in that situation and made the bold choice to go from career misstep to becoming an agency owner. She'll dive into what it really takes to go from a one-woman shop with dial-up internet to leading a team with vision, systems, and staying power. From handwritten letters with a 15% close rate to breaking free from client dependency and leveraging AI without losing the human touch, she shares the hard-earned lessons every agency owner needs to hear. Kriston Sellier is the President and Founder of Id8, a specialized branding agency based in Atlanta. With more than 25 years in the business, she's built a reputation for helping food, beverage, and manufacturing brands stand out and thrive. Kriston is passionate about research-driven branding, cultivating strong communities, and proving that the human side of leadership is just as critical as the strategy. In this episode, we'll discuss:                                    Starting over after being fired. Outgrowing freelance mode. What do agency owners need to grow? 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. Thriving in the Agency World After Being Fired Kriston didn't step into agency ownership with a clean, corporate plan. She was fired. After leaving IBM to co-found an agency, she found herself pushed out after a handshake deal gone wrong. At 20-something, she was suddenly unemployed and staring down two options: get another job or finally chase her dream of starting her own shop. It wasn't easy, but that leap turned out to be the right one. Starting out with no clients, she set a modest goal of making $35,000 in her first year. Instead, she closed out her first nine months with $90,000. That was the moment she knew she wasn't just freelancing; she was building something real. From Cold Calls to Handwritten Letters: Building the First Client Base Kriston started with just a basement office and dial-up internet. Since this was the 90s, if her husband picked up the phone line upstairs it would disconnect the whole system. She started out making cold calls to every food and beverage brand in the Yellow Pages. Additionally, she also sent handwritten letters pitching her services, yielding an impressive 15% close rate. In today's digital-first world, that kind of return sounds impossible, but back then it got her first wave of clients. It's a reminder that persistence and a personal touch can cut through the noise, even if the tools have changed. Outgrowing Freelance Mode and Thinking Like a CEO Like many agency owners, Kriston spent the early years acting more like a freelancer than a CEO. That all changed in 2006 when one client made up 75% of her business. The sleepless nights and anxiety from being handcuffed to a single account forced her to rethink everything. A colleague recommended working with a business consultant, so Kriston hired one and for four years, she worked with a full-time consultant who helped her transition from operator to CEO. That shift meant putting systems in place, committing to sales, and most importantly, diversifying her client base. Within the first year of working with her consultant, she added 25 new clients and broke free from the one-client trap. What Agency CEOs Need to Grow? Kriston strongly believes that CEOs should surround themselves with subject matter experts. Every agency owner needs a good advisory board that tells them the truths they doesn't necessarily want to hear, which is why she recommends relying on financial, HR, and sales consultants that can help you look at things from a different perspective. Regarding her role as CEO, Kriston definitely sees herself as more of a coach than a manager. For her, leadership is about helping team members uncover the real issues behind their challenges and guiding them to their own solutions. Likewise, the best team members are those who show they're coachable and open to feedback. She doesn't see failure as the end of the road but as a symptom of something deeper. Her job is to help her team ask the right questions, recognize the root cause, and take ownership of the fix. That shift from micromanaging tasks to coaching outcomes not only freed her up as a leader but also empowered her team to make better decisions without her constant oversight. AI, Research, and the Future of Agencies Running a research-based agency, Kriston is a big fan of Perplexity, a research-focused AI she uses 20–40 times a day for everything from writing stronger emails to analyzing massive datasets. But she's quick to point out that AI isn't a replacement for agencies—it's an enhancer. Where some fear AI will eliminate agency work, Kriston agrees that companies will still want experts to navigate the complexity and not DIY everything themselves. Clients may use AI for certain tasks, but they'll still rely on agencies for strategy, creativity, and execution.. AI + human expertise is the winning formula. And with large organizations outsourcing more marketing again, Kriston believes the future is bright for agencies that bring innovation, research, and personal connection to the table. Cooperation Over Competition Kriston wants agency owners to stop treating each other like competitors and start seeing each other as collaborators. She believes the industry's future depends on agency owners being open, honest, and willing to share both wins and lessons learned. Most agency owners see every other shop as a threat when they're starting out, fearful of competition instead of open to collaboration. At some point, however, through masterminds and peer groups, they come to realize the real growth comes when owners start to build community and create strategic partnerships. For Kriston, it all comes back to community, the same mission she set when she started ID8 decades ago. Build the community, and the business will follow. 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.

Polymarket scales with Wall Street's blessing, Kalshi fires up KOLs, and BNB chain melts down as fast as it ran. We dissect Aster's data drama, the new privacy wave lifting Zcash, and Galaxy One's glossy yields—what's smart strategy vs. old mistakes in new clothes? Welcome to The Chopping Block — where crypto insiders Haseeb Qureshi, Tom Schmidt, Tarun Chitra, and Robert Leshner chop it up about the latest in crypto. This week, we unpack Polymarket's jaw-dropper: a $2B raise at a $9B valuation led by ICE (parent of the NYSE), the token tease, and whether prediction markets will eat sportsbooks. We get into the KOL wars (Kalshi vs. Polymarket), the line between paid shilling and product marketing, and what “parlays” look like on prediction platforms. Then: Aster vs. Hyperliquid and DeFiLlama's delist sparks transparency questions, while BNB Chain's 72-hour meme-coin supercycle goes boom→bust. Privacy takes center stage as Zcash rips and the “privacy meta” returns. We close with Galaxy One's 8% yield pitch — BlockFi déjà vu or smarter risk management in a post-CeFi world? Show highlights

Most people have heard that Roth IRAs can be a powerful tool, but many don't realize that the timing of a Roth conversion is just as important as the strategy itself. If done right, a Roth conversion can save you thousands of dollars in taxes and help you build long-term, tax-free retirement income. In today's episode of Wise Money, we're breaking down the top five times when you should consider doing a Roth conversion.  Season 11, Episode 8 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://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/uJvVoa-fSU0  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.

– Jim wants more FHB ‘death pledges’ – Does rising inequality keep asset prices high? – Does Super distort the market? – Should I invest inside or outside Super?See omnystudio.com/listener for privacy information.

This week, we're covering the Medi-Cal asset test, which was phased out in 2024 but will be reinstated starting in 2026.

In this episode of The Intuitive Customer, Professor Ryan Hamilton is joined by guest host Ben Shaw to explore the high-stakes world of rebranding. From Cracker Barrel's logo backlash to Jaguar's radical design overhaul, they unpack what happens when brands chase new audiences at the expense of their loyal customers. The conversation dives into the tension between rebranding vs. repositioning, why heritage brands face special challenges, how politics and culture can hijack brand decisions, and practical lessons for leaders trying to grow without alienating their core base. Key Takeaways Rebrand ≠ Reposition: A visual refresh is not the same as shifting your audience or your value proposition, conflate the two at their peril. Respect the Core Customer: Growth shouldn't mean neglecting the customers who got you here; woo them as deliberately as you pursue new ones. Brand Stretch Matters: Broad idea-driven brands (e.g., Virgin, Crocs) can pivot more easily than heritage or status-driven brands (e.g., Jaguar, Burberry). Change Carries Political Luggage: In today's climate, even aesthetic changes can be interpreted as taking sides so plan for backlash and communication. Experience vs. Marketing: Quietly improving the customer experience often triggers less resistance than highly visible logo or messaging changes. Segment Conflicts Are Real: Pursuing one segment often pushes you away from another. Sub-brands Can Create Safe Space: When segments clash, consider sub-brands or status tiers to reduce friction (e.g., Nike's sport verticals, Burberry's London/Brit/Brit Prorsum). Heritage is an Asset and a Trap: Brands built on nostalgia or legacy often risk losing their most valuable equity if they modernise too aggressively. Resources & Brands Mentioned Ryan Hamilton & Annie's book: The Growth Dilemma – on managing relationships between customer segments. Brand case studies: Cracker Barrel, Jaguar, Burberry, Kohl's, Nike, Crocs, Virgin, Michael Kors.

Nature is a significant factor on the global balance sheet, and the cost of nature loss affects many key economic sectors. Denial or exclusion of nature's true value is flawed economics on the profit and loss of earth's natural resources and systems. This week on World Ocean Radio we are discussing a Ceres publication entitled, "Nature's Price Tag: The Economic Cost of Nature Lost" that explores the decline in ecosystem services used by five nature loss drivers. And we argue that the larger ecosystem service perspective must be included in the true cost analysis of most everything we use, make, and consume. About World Ocean Radio World Ocean Radio is a weekly series of five-minute audio essays available for syndicated use at no cost by college and community radio stations worldwide. Peter Neill, Founder of the World Ocean Observatory and host of World Ocean Radio, provides coverage of a broad spectrum of ocean issues from science and education to advocacy and exemplary projects.World Ocean Radio 15 Years, 760+ Episodes Ocean is climate Climate is ocean The sea connects all thingsWorld Ocean Radio: 5-minute weekly insights in ocean science, advocacy, education, global ocean issues, challenges, marine science, policy, and solutions. Hosted by Peter Neill, Founder of W2O. Learn more at worldoceanobservatory.org

In this episode we discuss the stretched market valuations and ways to prepare for the next pullback. 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.

Today we are talking about building a balanced portfolio and get into two different questions about asset location. We discuss TIPs and when and if you should use them. We get into portfolio allocation and discuss if it is too risky to have a 100% stock portfolio. We walk you through how to buy ETFs and end with a discussion around investing in films. Laurel Road is committed to helping residents and physicians take control of their finances. That's why we've designed a personal loan for doctors, with special repayment terms during training. Get help consolidating high-interest credit card debt or fund the unexpected with one low monthly payment. Check your rates in minutes to see if you qualify for a lower rate, plus, White Coat Readers also get an additional rate discount when they apply through https://LaurelRoad.com/WCI For terms and conditions, please visit https://LaurelRoad.com/WCI Disclosures: Laurel Road is a brand of KeyBank N.A. All products are offered by KeyBank N.A. Member FDIC. ©2025 KeyCorp® All Rights Reserved. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube   Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #440 03:30 Asset Location Priorities 27:12 Reasonable Asset Allocations 37:54 How to Buy ETFs 45:47 Investing in Films

Have you ever wondered how to turn hard assets into real financial freedom? In this episode, Ben Reinberg, author of Hard Assets and Hard Money for Hard Times, joins Russ and Joey to share his blueprint for building a cash-flowing empire even if you don't have millions to start.Starting from humble beginnings, Ben explains how he leveraged commercial real estate to generate consistent cash flow while minimizing risk. He dives into the importance of focusing on your niche, investing alongside experienced “smart money,” and maintaining low leverage to weather market shifts.Listeners will learn actionable strategies for creating resilient cash flow, constructing a diversified portfolio, and building wealth that lasts across generations. Ben also reveals practical insights from his personal journey, including his pivot into medical office properties and how he mentors others to start small yet scale strategically. This episode is packed with real-world lessons for entrepreneurs, professionals, and aspiring investors who want to transform their savings into income-producing assets and take control of their financial future.Top three things you will learn: -How to invest in commercial real estate and build a resilient hard asset empire-The mindset and strategies needed to create a consistent cash flow-Leveraging smart money, low-leverage investing, and generating stable returnsAbout Our Guest:Ben Reinberg is known by his peers as a visionary and a futurist. He has always been a step ahead, boldly setting investment trends. While other people entered commercial real estate as brokers, at 23 years old, he made the bold move to start as a principal owner. With a relentless drive, Ben navigated the complexities of the commercial real estate world to build a multi-billion-dollar empire from the ground up. To date, he has acquired and managed BILLIONS of dollars of commercial real estate and developed millions of square feet of office and industrial properties throughout the United States. Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.The hosts may have a financial interest in the programs or services mentioned in this episode.Connect with Ben Reinberg:-Website - https://www.benreinberg.com/ and https://www.alliancecgc.com/

In this episode, we sit down with David Schamis, the Wall Street veteran who's leading an $888M bet on Hyperliquid's token. Backed by Paradigm, Galaxy, Pantera, and D1 Capital, he's making a bold claim: HYPE is the most undervalued asset in all of crypto right now, and it's not even listed on Coinbase. ~~~~~

Asset-backed securities issuance remains slightly behind the same period in 2024, even with Tricolor-related angst continuing, notes Bloomberg Intelligence ABS Strategist Rod Chadehumbe on this Macro Matters edition of the FICC Focus podcast series. Chadehumbe and Bloomberg Intelligence Head of US Rates Strategy Ira Jersey discuss Tricolor's effect on the ABS market, how the consumer is driving issuance, recent trends in subprime credit-card and auto-ABS delinquencies, and his outlook for spreads. The Macro Matters podcast is part of BI's FICC Focus series

Retired agent Steve Conley reviews his investigation of the 18-year period in which Katrina Leung, one of the Bureau's highest-paid assets, was operated by former FBI Supervisory Special Agent (SSA) James J. Smith, known as JJ. Katrina Leung's code name was Parlor Maid. Steve's investigation determined that during the time Smith was Leung's handler, not only was she actively spying for the People's Republic of China against the United States, but they were involved in a sexual relationship. Steve received the Director's Award for his work on this espionage case. Steven Conley served in the FBI for over 24 years.  Check out episode show notes, photos, and related articles: https://jerriwilliams.com/372-steve-conley-operation-parlor-maid-ssa-jj-smith-and-asset-katrina-leung/     Join my Reader Team to get the FBI Reading Resource - Books about the FBI, written by FBI agents, the 20 clichés about the FBI Reality Checklist, and keep up to date on the FBI in books, TV, and movies via my monthly email. http://eepurl.com/dzCCmL    Buy me a coffee - https://www.buymeacoffee.com/JerriWilliams     Check out my FBI books, non-fiction and crime fiction, available as audiobooks, ebooks and paperbacks wherever books are sold. https://jerriwilliams.com/books/e

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you really implementing AI in your agency the right way? Adding a random tool just to say you “use AI” isn't the game changer many agency owners hope it will be. In fact, chasing shiny AI solutions can waste time, drain resources, and create tools your team never actually uses. Many agency leaders, especially those aiming to build a sellable business, assume any form of AI integration will automatically boost their agency's value. But today's featured guest strongly disagrees. He's seen firsthand how agencies fall into the trap of building solutions first and searching for problems later, a costly mistake that does more harm than good. Instead, he's here to share how to approach AI adoption strategically, in ways that actually stick and drive real results. Ken McLoud is the CEO of Laconic Technologies, a business that aims to help agencies figure out how to make AI actually useful. His specialty is finding high-leverage spots in your agency where AI can unlock growth without bloating your headcount. Ken helps owners avoid wasted tools and instead roll out AI that gives their teams real superpowers. In this episode we'll discuss: How agency owners are forcing AI integration the wrong way. When to use custom code. A case study of real world wins and misses. The future of AI in agencies. 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. Stop Forcing AI Where It Doesn't Belong Ken specializes in helping agency owners start to think strategically about AI. One of the first things he warns about is the “solution in search of a problem” trap. Too many agency owners decide, “We need to be using AI somewhere,” and then jam it into the wrong part of the business. That usually leads to tools that sound cool but don't move the needle, or worse, meet resistance from the very team that's supposed to use them. Instead, Ken suggests starting with the business itself. Are you demand-constrained (needing more leads) or supply-constrained (too much work, not enough capacity)? His litmus test is simple: if a fairy godmother doubled your clients overnight, would you cheer or panic? That answer tells you where the bottleneck really is, and that's the exact spot where AI should be applied. Case Study: Smarter Finance Insights with AskQuick.ai Ken worked to build AskQuick.ai with Nate Jenson, a fractional CFO who worked with tons of agencies. Nate had deep financial expertise but needed a way to scale his brain. Together, they built AskQuick.ai, a chatbot trained on Nate's own textbook of agency finance. The result was a tool that taps into a client's QuickBooks data to deliver specific insights, like spotting which clients are actually losing money. After a rebrand, he is now marketing the product as a simple, agency-friendly tool rather than a complex back-end. No-Code Tools vs. Custom Code: Where's the Breaking Point? Every agency owner has been tempted by tools like N8N, Zapier, or Make.com. According to Ken, these tools are perfect for simple workflows and stuff you could explain in one or two sentences. These tools are often pitched as something anyone with a computer and no experience ca n use, but once your automation starts piling up with dozens of nodes, things break constantly, and you spend more time fixing than benefiting. That's when it's smarter to build custom code. Ken compares it to driving stick shift: more control, less frustration, and often a way faster solution. AI As a Superpower Not a Replacement For Ken, the real promise of AI isn't replacing people, but rather upgrading them. He calls it “giving your team superpowers.” By offloading the repetitive, low-value work to AI, you free up your people to focus on strategy, creativity, and client impact. Instead of fearing AI, most teams welcome it. Nobody loves repetitive tasks, and when you use AI to clear that away, your staff gets to spend more time on what actually lights them up. Real-World Wins (and Misses) If you're wondering how some agencies are using AI right, Ken has seen quite a few examples. For instance, an Australian medical agency built a custom chatbot trained on years of proprietary medical content. The tool now helps their writers quickly draft accurate, technical marketing content; something that would have taken hours of research before. Huge win. On the other hand, this agency built a classic example of a solution in search of a problem. Basically, the owner wanted an elaborate folder system to organize AI chats. It sounded clever, but the writers never actually needed it. Why? Because new AI queries were faster than digging through folders. A perfect example of chasing a solution before identifying a real problem. The Future of AI in Agencies in Plain English Looking ahead, Ken sees AI becoming a tool to replace code and processes. Many things we used to hardwire with messy “if-this-then-that” logic can now be handled with prompts. That means non-technical agency owners can adjust systems in plain English instead of hiring a developer every time they need a change. These tools can make all the difference for agencies that get hundreds of deals come through every day and need a quick way to sort through the ones that can be most profitable from those that likely won't. In these cases speed is everything and AI can deliver in a way that human response cannot. However, Ken is also clear that not every problem should be handed to AI. High-value, low-risk areas, like grading prospects or filtering opportunities, are perfect testing grounds. Mission-critical, high-risk functions will probably still need human oversight for a while. 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.

When you're running a large industrial operation, tracking all of the elements of your process to know where they are and what they're doing in real-time, can be a huge challenge. Today, we're spotlighting a company whose revolutionary platform can help solve that problem. Ed Nabrotzky is the CEO and co-founder of Dot Ai, a company specializing in industrial asset intelligence solutions. Ed brings with him over 25 years of experience in technology development, and has held executive leadership roles at large public enterprises, including Molex and Panasonic.  Ed joins us to discuss Dot Ai's competitive advantage, how AI is changing the game when it comes to asset intelligence, and how their tech helps make companies more efficient.  Highlights:What Dot Ai does (1:53)The gap in the market (2:25)The customers (3:21)Inflection point (4:01)The current emphasis asset intelligence (5:51)ROI (7:09)The Dot Ai platform (8:36)Data Security (12:04)Meeting Unique Client Needs (13:25)R&D (14:40)Puerto Rico Manufacturing (16:15)SPAC (18:49)Forces reshaping supply chains (22:59)Misconceptions about automated asset tracking (25:04)Future outlook (26:10) Links:Ed's LinkedInDot Ai LinkedInDot Ai WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, joe@lowerstreet.co.

Have you ever been told to keep municipal bonds, instead of corporate bonds, in your brokerage account? You may think that there isn't that big of a difference… after all, they're both bonds. Nate Reineke and Kyle Hoelzle break down the advantages municipal bonds may provide for doctors like you and why they can help your diversification. We also answer your colleagues' questions. A vascular surgeon in Oregon says, 'My son is in college and wants to start investing. What tools should he consider?' A General Surgeon in Oregon asks, with my 529 plan, if my child is over 18, can they be the successor and the beneficiary? A Psychiatrist in Virginia wants to know when target date investing, should the investment target be based on your current age or your planned retirement year? A Pain Management Specialist in NY said that their 403 (b) custodian sent a message stating that they were invested too aggressively. What could cause this? A Pulm Crit Care doctor in California is curious about how to handle RSUs in their portfolio. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Linkedin: Post your job free at https://linkedin.com/impacttheory Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact Netsuite: Download the new e-book Navigating Global Trade: 3 Insights for Leaders at http://NetSuite.com/Theory Bevel Health: 1st month FREE at https://bevel.health/impact with code IMPACT ButcherBox: Ready to level up your meals? Go to https://butcherbox.com/impact to get $20 off your first box and FREE bacon for life with the Bilyeu Box! Connectteam: 14 day free trial at https://connecteam.cc/46GxoTF Welcome back to Impact Theory with Tom Bilyeu! In this special 100th episode, Tom and co-host Drew dive deep into today's most pressing issues—from the chaos of government shutdowns and the relentless battle over healthcare, to the power of propaganda in mainstream media and the economic forces shaping our society. They break down the realities behind headline-grabbing policies, exposing how both sides of the political spectrum spin the narrative and why it's critical to do your own research before forming opinions. You'll hear Tom's unfiltered take on the dangers of “revolutionary empathy,” inspired by Eric Weinstein's insights, and how shifts in empathy and radical polarization are fueling a climate ripe for violence and unrest. The conversation also explores the harsh truths of wealth inequality, the illusion of economic progress, and why the stock market's highs aren't translating to a better life for most Americans. Drew brings in sharp counterpoints and timely clips—touching on everything from mass media censorship to the controversial culture wars playing out in children's entertainment and on social platforms. Plus, there's a candid look at the escalation of global conflicts, particularly in Ukraine, and how warfare is evolving in ways that stretch far beyond the battlefield. Through it all, Tom emphasizes the importance of personal empowerment: how individuals can still win—economically and mentally—despite a society seemingly stacked against them. Buckle up for an intense, eye-opening, and occasionally hilarious episode packed with actionable advice, hard truths, and a call to cut through the noise in pursuit of real understanding. This is Impact Theory—raw, real, and relentlessly focused on helping you thrive. Let's get into it! 00:00 Intro 00:48 Government Shutdown Continues 14:41 State Of The US Economy 31:42 Revolutionary Empathy 42:14 UK Jewish Terror Attack 48:21 Elon Cancels Netflix 56:41 Ukraine/Russia Nuclear Fears Rise Learn more about your ad choices. Visit megaphone.fm/adchoices

Unpacking the crypto rally and Solana's potential with Bitwise CIO Matt Hougan. Bitwise Asset Management Chief Investment Officer Matt Hogan returns to Markets Outlook to dissect the forces behind the current crypto rally with CoinDesk's Jennifer Sanasie. With bitcoin reaching new highs and Washington shutdown, Matt explains why the "debasement trade"—fueled by institutional concern over fiat currencies—is driving massive flows and whether his $200,000 price target for BTC by the end of the year is still in play. Plus, his argument for why the market is big enough for both Ethereum and Solana to win. - Break the cycle of exploitation. Break down the barriers to truth. Break into the next generation of privacy. Break Free. Free to scroll without being monetized. Free from censorship. Freedom without fear. We deserve more when it comes to privacy. Experience the next generation of blockchain that is private and inclusive by design. Break free with Midnight, visit midnight.network/break-free - Bridge simplifies global money movement. As the leading stablecoin issuance and orchestration platform, Bridge abstracts away blockchain complexity so businesses can seamlessly move between fiat and stablecoins. From payroll providers and remittance companies to neobanks and treasury teams, Bridge powers payments, savings, and stablecoin issuance for thousands – like Shopify, Metamask, Remitly, and more. URL: ⁠⁠⁠⁠https://hubs.ly/Q03KGbRK0⁠⁠⁠⁠ - This episode was hosted by Jennifer Sanasie.

What if money could make you freer instead of more dependent? Matt McClintock joins the pod to dive into Bitcoin's evolution from digital experiment to geopolitical force - a technology challenging governments, redefining sovereignty, and reshaping how value moves across the world. Matt and Jacob explore what “freedom money” really means, why personal sovereignty now collides with state power, and how the struggle between fiat and crypto reveals the future of economics, trust, and control in a multipolar world.--Timestamps:(00:00) - Introduction and Podcast Overview(00:20) - Addressing Listener Concerns(02:08) - Engaging with the Community(02:49) - Welcoming Back Matt McClintock(03:44) - Bitcoin: A Journey of Discovery(05:53) - Understanding Bitcoin's Evolution(09:41) - Bitcoin's Global Significance(12:59) - Bitcoin's Unique Characteristics(24:28) - Bitcoin as Freedom Money(29:23) - Bitcoin and Economic Freedom(29:56) - Bitcoin's Role in Oppressive Regimes(30:45) - Government Reactions to Bitcoin(32:35) - Personal Security and Bitcoin(34:45) - Bitcoin and Legal Concerns(44:40) - Bitcoin's Sovereignty and Legal Framework(55:30) - Bitcoin's Unique Position in the Financial World(01:00:34) - The Future of Bitcoin and Fiat(01:01:38) - Closing Thoughts and Reflections--Referenced in the Show:Link to White Paper: https://bespokegroup.io/sovereigntyparadox/Link to Matt's Substack: https://mattmcclintock.substack.com/--Jacob Shapiro Site: jacobshapiro.comJacob Shapiro LinkedIn: linkedin.com/in/jacob-l-s-a9337416Jacob Twitter: x.com/JacobShapJacob Shapiro Substack: jashap.substack.com/subscribe --The Jacob Shapiro Show is produced and edited by Audiographies LLC. More information at audiographies.com --Jacob Shapiro is a speaker, consultant, author, and researcher covering global politics and affairs, economics, markets, technology, history, and culture. He speaks to audiences of all sizes around the world, helps global multinationals make strategic decisions about political risks and opportunities, and works directly with investors to grow and protect their assets in today's volatile global environment. His insights help audiences across industries like finance, agriculture, and energy make sense of the world.--This podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp

Unpacking the crypto rally and Solana's potential with Bitwise CIO Matt Hougan. Bitwise Asset Management Chief Investment Officer Matt Hougan returns to Markets Outlook to dissect the forces behind the current crypto rally with CoinDesk's Jennifer Sanasie. With bitcoin reaching new highs and Washington shutdown, Matt explains why the "debasement trade"—fueled by institutional concern over fiat currencies—is driving massive flows and whether his $200,000 price target for BTC by the end of the year is still in play. Plus, his argument for why the market is big enough for both Ethereum and Solana to win. - Break the cycle of exploitation. Break down the barriers to truth. Break into the next generation of privacy. Break Free. Free to scroll without being monetized. Free from censorship. Freedom without fear. We deserve more when it comes to privacy. Experience the next generation of blockchain that is private and inclusive by design. Break free with Midnight, visit midnight.network/break-free - Bridge simplifies global money movement. As the leading stablecoin issuance and orchestration platform, Bridge abstracts away blockchain complexity so businesses can seamlessly move between fiat and stablecoins. From payroll providers and remittance companies to neobanks and treasury teams, Bridge powers payments, savings, and stablecoin issuance for thousands – like Shopify, Metamask, Remitly, and more. URL: ⁠⁠⁠⁠https://hubs.ly/Q03KGbRK0⁠⁠⁠⁠ - This episode was hosted by Jennifer Sanasie.

Mike Armstrong and Marc Fandetti discuss how AMD came from behind to mount a challenge in the AI chip wars. Reminder: Gold is not a risk-free asset. Earnings are coming. Wall Street hopes strong profits can keep the market rally going. Emerging markets roar back with biggest stock rally in 15 years. Why your S&P 500 index fund might be more risky than the internet bubble.

After an unorthodox resolution to a sanity-destroying encounter, the crew heads down to Engineering. There, an inexplicable familiar face is now the target of a heavily-armed team of ex-Troubleshooter mercs.Gradient Descent is by Luke Gearing, Jarrett Crader, and Sean McCoy, published by Tuesday Knight Games, LLC. Purchase it ⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠.Mothership Sci-Fi Horror RPG is by Sean McCoy and Jarrett Crader, published by ⁠⁠⁠⁠⁠⁠⁠Tuesday Knight Games⁠⁠⁠⁠⁠⁠⁠, LLC. Explore more 3d6 Down the Line at our ⁠⁠⁠⁠⁠⁠⁠official website⁠⁠⁠⁠⁠⁠⁠! Access character sheets, maps, both video and audio only versions of every episode, past campaigns, and lots more! Watch the video version of this episode on ⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠! Support our ⁠⁠⁠⁠⁠⁠⁠Patreon⁠⁠⁠⁠⁠⁠⁠, and enjoy awesome benefits! Purchase ⁠⁠⁠⁠⁠⁠⁠Feats of Exploration⁠⁠⁠⁠⁠⁠⁠, an alternate XP system for old-school D&D-adjacent games! Grab some 3d6 DTL ⁠⁠⁠⁠⁠⁠⁠merchandise⁠⁠⁠⁠⁠⁠⁠! Join our friendly and lively ⁠⁠⁠⁠⁠⁠⁠Discord server⁠⁠⁠⁠⁠⁠⁠! Art, animation, and graphics by ⁠⁠⁠⁠⁠⁠⁠David Kenyon⁠⁠⁠⁠⁠⁠⁠. Intro music by ⁠⁠⁠⁠⁠⁠⁠Hellerud⁠⁠⁠⁠⁠⁠⁠.Cloudbank Synthetics Production Facility Alternative Map by user Makenai on the Mothership Discord Server.⁠⁠⁠⁠⁠⁠⁠Network Charts⁠⁠⁠⁠⁠⁠⁠ by PimPee. Maps used in the channel banner by Dyson Logos.

Jonathan Newman returns to join Bob in a critique of Eliezer Yudkowsky's viral theory of investment bubbles. Yudkowsky states that the bad investment during bubbles should be felt before the bubble pops, not after. They argue that his perspective—while clever—fails to consider the Austrian insights on capital structure, time preference, and the business cycle. They use analogies from apple trees to magic mushrooms to show why Austrian economics provides the clearest explanation for booms, busts, and the pain that follows.Eliezer Yudkowsky's Theory on Investment Bubbles: Mises.org/HAP520aBob's Article "Correcting Yudkowsky on the Boom": Mises.org/HAP520bBob's on The Importance of Capital Theory: Mises.org/HAP520cJoe Salerno on Austrian Business Cycle Theory: Mises.org/HAP520dDr. Newman's QJAE Article on Credit Cycles: Mises.org/HAP520eThe Mises Institute is giving away 100,000 copies of Hayek for the 21st Century. Get your free copy at Mises.org/HAPodFree

This week on Marketing O'Clock: Google upgrades PMax channel reporting and assets, OpenAI launches Instant Checkout with Etsy (Shopify coming soon), and Sora 2 debuts as OpenAI's latest video generation model.Visit us at - https://marketingoclock.com/Adzviser - https://adzviser.com/

Self renewal is the best time management strategy

Jonathan Newman returns to join Bob in a critique of Eliezer Yudkowsky's viral theory of investment bubbles. Yudkowsky states that the bad investment during bubbles should be felt before the bubble pops, not after. They argue that his perspective—while clever—fails to consider the Austrian insights on capital structure, time preference, and the business cycle. They use analogies from apple trees to magic mushrooms to show why Austrian economics provides the clearest explanation for booms, busts, and the pain that follows.Eliezer Yudkowsky's Theory on Investment Bubbles: Mises.org/HAP520aBob's Article "Correcting Yudkowsky on the Boom": Mises.org/HAP520bBob's on The Importance of Capital Theory: Mises.org/HAP520cJoe Salerno on Austrian Business Cycle Theory: Mises.org/HAP520dDr. Newman's QJAE Article on Credit Cycles: Mises.org/HAP520eThe Mises Institute is giving away 100,000 copies of Hayek for the 21st Century. Get your free copy at Mises.org/HAPodFree

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Most agencies don't make it 25 years but Bill Swanston's has. From surviving 9/11 to leading a 30-person team through COVID, Bill shares how Bosun (formerly Frederick Swanston) adapted, learned to love KPIs, empowered their team, and even pulled off a successful rebrand. His story proves you can survive the toughest agency seasons and come out stronger—if you track the right numbers, avoid “superclient” risk, and learn to truly let go. What You'll Learn Why resilience (not just growth hacks) is the real agency survival skill How ignoring KPIs almost cost the agency big—and how to avoid that mistake Why letting go of control is the only way to grow past founder-dependence What a rebrand really signals about an agency's maturity and leadership shift The hidden dangers of relying on a “superclient” Key Takeaways Keep overhead light in uncertain times—it gives you room to maneuver when crises hit. Track your KPIs like a client project: salaries as % of AGI, AGI per employee, revenue per client. Don't rely on a single client for survival—client concentration is a silent killer. Empower your team early—you can't scale if you're reviewing every deliverable yourself. Rebrands work when they reflect a cultural shift—not just a new logo. What does it really take to keep an agency alive through market crashes, pandemics, and the endless grind without burning out or losing your edge? Today's featured guest will unpack his journey from starting in a basement with a couple of clients to leading a 30-person team through some of the toughest seasons an agency can face. From navigating financial blind spots to learning how to actually let go and trust his team, and the reason the agency's 25th anniversary actually marked a big shift with a new rebrand. Bill Swanston is the president and founder of Bosun, an Atlanta-based agency that just celebrated its 25th anniversary. Formerly known as Frederick Swanston, the agency has weathered market crashes, client shakeups, and a pandemic while building a powerhouse team with deep creative and digital chops. In this episode, we'll discuss: The challenges that really tested the agency's resilience. How learning to love KPIs saved the business. Why rebrand after 25 years? 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. Building Through Adversity and Surviving 9/11 After moving back to Atlanta from New York, Bill was freelancing at BBDO and thinking about switching to smaller agency. As he saw it, it was better to be a big fish in a smaller pond. Unfortunately, his gig at the smaller agency was short lived, since the agency shut down for good. Instead of packing it in, Bill and his partner Scott Frederick grabbed a few clients, set up shop in a basement, and got to work. Built-in revenue gave them a smoother start than most scrappy entrepreneurs, but reality set in quickly. By the early 2000s, they were hit hard by 9/11 and its ripple effect on corporate events. It was a reminder that whether you're at a big holding company or running your own small shop, stability is often an illusion. Surviving those first waves meant keeping overhead light, grinding it out, and learning how to adapt before the word “pivot” became a business cliché. The Challenge that Really Tested the Agency's Resilience Partnerships can make or break an agency and Bill admits the early years with his partner had their rough patches, not as creatives, but as business owners learning how to disagree productively. Over time, their different strengths meshed into what became a powerful leadership duo. But nothing tested the agency quite like COVID. With a staff of 30 suddenly looking to them for answers, the partners had to act fast. They slashed salaries, cut their own pay completely, and relied on federal relief programs like PPP loans to keep the team intact. That lifeline, combined with quick adjustments, got them back on track. As Bill put it, “It was the absolute worst period of time for the agency. But we came out stronger because we had no choice but to figure it out fast.” From Gut Instinct to KPIs That Saved the Business Like a lot of creative-led shops, Bill and his partner weren't exactly obsessed with financial metrics at first. According to Bill, they mostly leaned on QuickBooks, check-writing, and gut instincts. That worked until it didn't. By the time they realized improprieties had slipped under the radar, they knew it was time to upgrade. Today, they track everything from salaries as a percentage of adjusted gross income to AGI per employee to recurring revenue versus project-based work. They also look at revenue per client to ensure there isn't any one account that is overwhelming the team. Like many agencies, they had this happen at one point, with a client that accounted for 50% of their billing. He remembers being scared once this client started to dwindle as a result of the ‘08 crisis, which taught him the danger of relying on superclients that can walk away and take half your revenue with them. Bill stresses that KPIs aren't about being a math whiz, but about having clarity. Knowing your true profitability by client or department means you stop guessing and start making better decisions. “We do it for our clients,” he said, “so we've got to do it for ourselves too.” Nowadays, he works with an external CPA and an internal comptroller who help him keep an eye on the agency's finances. Pro tip: If you're not yet at the point where you can have a CFO but don't know where to start to assess your agency's financials, use askquick.ai. It's a tool developed by Jason and his team that'll help you figure out your most profitable clients, assess your financial red flags, measure your KPIs, and more. Learning to Let Go and Empower the Team For the first decade, Bill and Scott were deep in the weeds, reviewing every creative output, managing every account, carrying the business on their backs. Eventually, the workload became too much and they had to learn how to trust others. Empowering team members to make real decisions wasn't easy. It started organically as new hires took over account management, media, and digital responsibilities. Over time, Bill realized the work improved when people felt ownership and felt empowered to shape the agency. “The ability to let go and trust others is essential to grow your agency,” he says. This trust not only gave the agency room to grow but also gave Bill and Scott the freedom to step back from being prisoners of their own business. Why Would a 25 Year Old Agency Rebrand Now? After two and a half decades as Frederick Swanston, the founders made the bold move to rebrand as Bosun to better reflect what they'd become. The decision was about more than a new logo. According to Bill, keeping their surnames in the brand felt too self-centered and didn't reflect the agency's culture. The rebrand signaled a shift: it's not about Bill or Scott anymore. It's about the team, the clients, and the relationships that actually fuel the work. While rebrands often make clients nervous, Bill said the transition was seamless. In fact, many partners celebrated alongside them, proving that strong relationships matter more than the name on the door. 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.

Medicare is going through some of the biggest changes we've seen in years, and the impact on your retirement planning could be significant. Premiums for Medicare supplement prescription drug plans are expected to rise sharply, and the way you budget for healthcare in retirement may need to shift. In this episode of Wise Money, we break down what these changes mean, why costs are increasing, and how you can prepare. Season 11, Episode 7 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://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/XF-KsdkFHQ4  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

  This weekend's KE Report dives into two overlooked corners of the resource market. First, we sit down with Brian Leni, who shares why rotating...

TIME'S NEARLY UP! LOCK IN THE EARLY BIRD PRICE DISCOUNT FOR THE THOUGHTFUL MONEY FALL CONFERENCE AT https://thoughtfulmoney.com/conferenceDavid Hay delivers his macro & market outlook -- plus takes your live Q&A#bonds #marketcorrection #goldprice _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

John is joined by Dennis Hranitzky, partner in Quinn Emanuel's Salt Lake City, New York, and London Offices, Head of the firm's Sovereign Litigation practice, and Co-Head of the firm's Global Asset Recovery Practice. They discuss various kinds of litigation, arbitration, and collection actions against sovereign states. They discuss collection cases against sovereign states resulting from those states' default on debt instruments, the challenges faced by creditors who hold out after most creditors agree to a debt restructuring arrangement with the sovereign, recent proposed legislation, and any other government actions favoring sovereigns, the current sovereign debt crisis, and concerns about opportunistic funds that seek profit by collecting on devalued sovereign debt. They also discuss investor-state arbitration generally, for example, after a company has invested in a project in a country and the country fundamentally changes the terms under which the investment was made, such as radically raising taxes as Spain did with respect to renewable energy projects after 2008. They discuss the position taken by the EU that EU courts cannot enforce arbitration awards against EU nations even when the nation entered voluntarily into an arbitration treaty, and recent indications that the United States government supports the position of the EU. Finally, they discuss litigation against sovereigns unrelated to sovereign debt, such as litigation against state sponsors of terrorism, including the lawsuit Quinn Emanuel recently filed against Iran on behalf of victims of the October 7, 2023, Hamas attacks. Podcast Link: Law-disrupted.fmHost: John B. Quinn Producer: Alexis HydeMusic and Editing by: Alexander Rossi

Gary Vermeer started Vermeer Manufacturing around inventions for people. Then the people grew the company for more people. Vermeer has a lot of great history and focus on family. Great people make great products. Listen in as Naylor shares this experience with you. Thanks for Listening! EVENTS: YouTube Rally 2025 FREE Registration 2025 LCR Summit Louisville KY Tickets- SECURE YOUR SPOT! 2025 Equip Expo 50% OFF Registration with code "LCR" PODCAST SPONSOR: Click here for Toro Fleet Promo! Click here for Horizon360 Promo! Click here for Toro Mowers Promo! RESOURCES: How To Avoid Burnout- FREE Masterclass Proper Watering Templates Route Density System Download the 5 Costly Mistakes In Business Here! *THANK YOU TO THE TORO COMPANY FOR SPONSORING THE LCR MEDIA PODCAST!  

In this episode of The Cardone Zone, Grant Cardone explores the concepts of assets and liabilities—powerful drivers that shift depending on the relationships and contexts in which they are applied. Grant digs deep into the distinction between intentional and unintentional liabilities. An intentional liability reflects the character of the individual behind it—it shows foresight, purpose. By contrast, unintentional liabilities reveal carelessness, lack of awareness, and ultimately a loss of control, making them far more dangerous. Another key discussion is about diversification in your job. Adding value where you already are is the smartest way to increase income and opportunity. Becoming an asset in your existing role—taking on more responsibility, finding creative solutions, and producing measurable results—creates leverage and long-term wealth. While diversification is powerful inside your workplace, simply getting a second job outside your main work divides your efforts, just as investment diversification often dilutes your returns. The goal is to concentrate, not scatter, your energy and resources. At the end of the day, building wealth and influence requires clarity about which choices move you forward and which hold you back. Assets create strength; liabilities drain it—unless they are intentional, disciplined, and strategically managed. Stay connected with Grant on all social platforms, catch The Cardone Zone on SiriusXM, and visit 10XStudios.com for more content and resources.

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you still thinking of AI as just “ChatGPT with a better prompt”? Or maybe you've played around with Zapier automations and thought, yeah, that's good enough. Today's featured guest knows that the agencies pulling ahead right now are building full-on AI agent networks that replace routine tasks, streamline data pipelines, and give their teams superpowers. She's re-engineering her agency around AI and will talk about where she finds top-tier talent and why you don't need to code to lead your agency into the future. Jennifer Bagley is the CEO and founder of CI Web Group, a fully virtual digital marketing agency registered in 22 U.S. states with clients across the United States and Canada. A former corporate operator turned entrepreneur, Jennifer started in real estate and mortgage brokerage before leaning into the marketing work she built to support those businesses. Today she runs a modern, tech-forward agency that's rebuilt its stack around AI, centralized data, and agentic networks, all while carrying the scars and lessons of scaling, pivoting, and re-founding a business from the ground up. In this episode, we'll discuss: Feeling trapped by the business. Hiring, firing, and the people reset AI, reskilling, and the end of “middle” roles What does this talent cost? Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. From Corporate Ladder to Accidental Agency Founder Jennifer came from an operations background, a self-proclaimed black belt in Six Sigma and certified project manager. Having built that corporate background, she had made a promise to herself (“by 30 I'll be an entrepreneur”), and started to build the side hustle that became the main event. She started in real estate and mortgage brokering where she had to learn marketing the hard way; not because she wanted to be a marketer, but because the survival of her businesses depended on it. Initially, Jennifer didn't set out to build a scalable agency; she built a team to support her broker network. When the market collapsed in 2008, the same team that did marketing for agents suddenly had a market outside real estate. That “we'll just help this painter or HVAC company” phase is where the web group was born: small, service-focused, and useful to people in her network. That accidental turn became a business by solving real, pressing problems for paying clients, then leaned into that. Trading Time for Freedom: The Hard Pivot For the first five years, Jennifer describes the business as a “lifestyle” operation, profitable maybe, but trapping her time. She was trading billable hours for income and was reaching her limit when she hired a coach that forced a reckoning: if entrepreneurship isn't buying you time, money, and freedom, what's the point? So she made the brutal choice of cutting consulting contracts and burning the bridge to the “safety” of hourly work, and effectively gave herself a mulligan. This is the classic founder pivot: you have to choose between growth that keeps you doing the work and growth that scales the business without you. Jennifer's reset wasn't pretty, for a while she lost everything and she and her son lived in an office for a while, but it bought her the permission to build something salable, not just sustainable. Agency owners who feel trapped in delivery need to remember that sometimes you have to give up short-term revenue to create long-term value. Feeling Trapped by the Agency and Becoming a CEO Those first five years, Jennifer continued to run a business that started as a supply chain consulting and eventually turned into a sales supply chain consulting. This change meant the business was now a good lead generator for the agency but it also meant Jennifer was essentially selling her image and her time. Until she ran out of time. Once she felt trapped by the business, Jennifer actually hired a business coach that helped her change the model from “selling Jennifer with marketing on the side” to an actual sustainable business. She had to go back to the basics and remember she, like every entrepreneur, started the business with the idea of having more time, money, and freedom. It took losing everything, but Jennifer knew she didn't want a lifestyle business, she wanted a sellable business. The antidote was delegation plus systems. If you want growth and a future exit, you need to own those CEO responsibilities and be comfortable with letting go of the day-to-day. Hiring, Firing, and Resetting the Team Jennifer's talent strategy has evolved with each stage of growth. Her early hires were the classic “friends, family, fools” bootstrap crew; later she invested in developers, content teams, project managers, and over time, more strategic hires like CFOs, chief of staff, BI teams, and AI engineers. Each five-year arc brought a new set of needs and a new level of sophistication in hiring. Now, she divides her time between promoting her agency's work in podcasts and content and thinking of ways to navigate her business in these volatile and exciting times. Her most recent addition to the team was a technology and transformation team that is revisiting all of the agency's processes, investments, and infrastructure. As a result, she has downsized her team from over 300 W2 employees and refocus the team. The takeaway for agency owners: be honest about whether your people are builders or maintainers, and hire accordingly. The workforce you need for growth is not the same as the workforce you need for stable operations. Building AI Agent Networks with Centralized Data Jennifer's agency shifted from WordPress to Webflow and built agentic networks: hundreds of AI agents that crawl competitors, do strategy homework, and automate tasks that humans used to do. More importantly, they rebuilt infrastructure into a hub-and-spoke model with a centralized min.io data layer and ETL pipelines feeding analytics and BI. Two big lessons here. One: invest in your tech stack deliberately so you're not a Frankenstein of five different platforms that don't talk to each other. Two: design your data architecture so your people (and your AI agents) have a single source of truth. That's how you get from fire-fighting in six dashboards to proactive, predictive signals that tell you when a client engagement needs attention. AI, Reskilling, and Shrinking Middle Roles Jennifer draws a hard line: the agency now tends to hire either very seasoned client-facing leaders or AI engineers; the middle is shrinking. With agentic networks giving junior staff “superpowers,” the agency can afford fewer mid-level “lever pullers.” At this level there's no room for slow execution or elementary work. That's a cultural and ethical challenge, both for hiring and for workforce development. For agency owners, this raises practical HR questions: do you reskill your people, or replace them? Jennifer suggests building agent-driven systems that augment humans, and being brutally honest about who can grow into that future. It's also a call to action for how we prepare the next generation: schools won't teach this; companies will need to. Playing with AI Platforms: Why Leaders Need to Just Know Enough to Be Dangerous Jennifer started like a lot of agency owners dipping into AI, playing around on tools like n8n, Make.com, Relevance, and Longchain. Her dev team laughed, calling her an “elementary school kid on a tricycle,” but here's the point: she didn't need to master the tech. She needed to know enough to point her team in the right direction. Instead of obsessing over code, she framed the problem differently: “Here's what I don't want a human doing anymore. Can you make that happen?” That mindset shift is key for agency owners. You don't need to be a full-stack AI engineer to lead an agency into the future; you just need to clearly define outcomes and invest in people who can deliver them. Find Real AI Talent in Unlikely Places This is where most agencies get stuck. You're not going to find your next AI architect on Upwork. Jennifer leaned on her network, starting with her cousin Chris, a hardcore developer who initially thought AI platforms were “rookie business.” Once Chris realized the power of agentic networks to scale his expertise, he became the backbone of CI Web Group's transformation. Now, she hunts talent in unconventional places: hackathons, LinkedIn, and especially YouTube. Forget the flashy “10x growth hack” videos — she looks for nerds with four views, geeking out about orchestrators and ETL pipelines. Those are the builders who care about solving real problems, not just building hype. Her tip: if you find one, reach out immediately. They don't want sales, they just want to build. Designing AI Agents Like an Agency Org Chart Jennifer compares AI agents to a company org chart. You don't hire one person to do everything, that's a recipe for burnout. Same thing with AI. Each agent should tightly focus on a single task, with checks, auditors, and orchestrators overseeing the system. The payoff was massive efficiency gains. Instead of six different platforms that don't talk, her agency built a centralized hub with min.io, ClickHouse, and AI layers on top. That's how you go from patchwork automation to true predictive intelligence. The Real Cost of AI Talent If you're wondering how much this all costs, the answer is… a lot. On the high end, seasoned AI engineers can run you a quarter million in salary. On the low end, Jennifer tests new hires on project-based sprints, maybe $6K for a 10-hour challenge. The point isn't to cut costs; it's to prove quickly who can deliver and who can't. Her recruiting process is brutal but effective: give candidates a project, a tight deadline, and see how they perform. If they stall, they're out. If they screen-share fast and solve problems live, they're in. No fluff, no endless interviews. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? 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