Podcasts about BD

从兰州大学旁的音像店，到北京拥挤的唱片公司；从一份写给师兄的实习邮件，到如今面对镜头侃侃而谈——这是一代内容创作者的故事。在一次坦诚的闲聊中，划水怪、小寒和李翔发现，他们的职业生涯都始于兴趣和偶然。但今天的年轻人，已难复刻这条道路。当“视频播客”成为时代弄潮儿，他们看到的却是高昂的成本与系统性的风险。面对“做不做视频”的灵魂拷问，以及“长期价值”被“一周热度”取代的无奈，他们三人也正在学习如何在时代的洪流中，守护自己创作的初心与快乐。主播 / 相征 郭小寒嘉宾 / 李翔音频后期 / 陆凯BBBBUDDHA音频上传 / 恬恬Timeline:00:02:14 聊聊学生时代00:11:42 李翔刚来北京时00:19:33 专业还是兴趣00:27:24 偶然性和随机性的影响。00:42:45 什么是人生可能性00:53:46 聊聊采访过的企业家01:01:36 我们要找到自己的心跳01:12:49 媒体人真的难01:22:16 现在的内容创作更难01:30:17 聊聊视频播客01:52:12 从大众到小众的变化02:05:08 600万现金的生活方式02:09:10 创作内容和个人价值02:16:05 内容创作者的流量与兴趣平衡之道02:30:20 内容创作者的话语权02:43:30 自媒体与传统工作怎么选02:52:58 The Boxer Rebellion - Safe House大内夜市上新4款诸吉·东方五行系列配饰。告别心浮气躁，稳住自身场域。大内人气嘉宾张无梦特别推荐！祝您驱散阴霾，舒展心绪；祈愿万事顺遂，天下大吉！微信搜索小程序“大内夜市”，即可购买～今年十一长假，由划水怪&miya带队，七天六晚带你深入越后妻有和轻井泽。这片藏在日本新潟县的雪国山谷，是全世界独一无二的大地艺术祭现场。这次，不仅是一场艺术盛宴，更是一场舌尖之旅——从品尝当地新米到品鉴小诸威士忌，从妻有猪到和牛铁板烧，从药汤温泉到轻井泽骑行，吃喝玩乐一举拿下！名额有限，详情可进入微信小程序“大内夜市”查看。恰逢周年，大内十三周年限定主题周边正式上线。在香港的俚语里，“My Cup Of Tea”代表合心我意、投缘，于是我们将Tea替换成T恤的缩写Tee，于是就有了“MY CUP OF TEE 係我杯茶”的周年主题。而本次周边分为是定制马克杯、主题T恤两款单品，也推出了成套纪念礼盒（礼盒附赠随机主播签名嗷）～还记得那些一起笑过、燃过、感动过的时刻吗？我们没忘，也不想忘。于是，我们把来自“浪谈”宇宙的NBA节目、漫画节目和东瀛野望录里的动人句子，写进这件由杨凯老师亲自设计的T恤中，致敬彼此相伴的100小时时光。微信搜索小程序“大内夜市”，即可购买～深夜谈谈招聘啦，本次开放岗位全职：1、视频编导（北京/上海） 2、商务BD&AE （上海）感兴趣的朋友们请发送求职信+简历+个人作品请发送至邮箱jobs@midnightalks.com-你还可以在这里找到我们：小红书：@深夜谈谈、@相征terry、 @miyaB站：@大内密谈midnightalks视频号&抖音：@深夜谈谈微博：@大内密谈微信公众号：大内密谈商务合作邮箱：biz@midnightalks.com加听众群：加深夜谈谈子微信（微信号:SYTT-midnightalks2）并回复【听众群】即可进群。

既然今天是中元节，那肯定得纳凉呀。于是咱们请来了罗叔，来讲一个压在他心里十四年的故事。既然说了是故事您就当故事听，千万别当真！2012年夏天，罗叔跟四姥爷陪着一个叫小林的病人，从河北一路走到东北。花姐的堂单上有小林小时候见过的名字，萨满的木牌让他说出奶奶的小名，长白山的梦与现实完全重合。所有人都指向一个答案——奶奶留下的旧布。故事的真相居然藏着一份深沉的爱。鬼门十三针、堂单、保家、出马、探堂、搬杆子——这些词你听过几个？东北不同的仙家路数都是什么？话不多说，快来听故事！主播 / 相征嘉宾 / 罗叔音频后期 / 陆凯BBBBUDDHA音频上传 / 恬恬Timeline:00:00:39 雷击木护体00:10:55 什么并反复治不好00:14:25 鬼门13针00:27:36 江苏鸾生用画护体00:44:07 神秘的唐单00:50:41 东北保家仙文化01:01:16 道家圣地铁刹山之行01:08:28 萨满文化探秘01:14:55 长白山仙家01:27:27 东北出马仙文化01:34:34 神秘仪式揭示家族秘密01:43:45 探寻仙缘01:49:30 揭秘奶奶遗言01:54:29 结局居然是？！02:03:15 Bruno Coulais - The Death Of Lhakpa大内夜市上新4款诸吉·东方五行系列配饰。告别心浮气躁，稳住自身场域。大内人气嘉宾张无梦特别推荐！祝您驱散阴霾，舒展心绪；祈愿万事顺遂，天下大吉！微信搜索小程序“大内夜市”，即可购买～今年十一长假，由划水怪&miya带队，七天六晚带你深入越后妻有和轻井泽。这片藏在日本新潟县的雪国山谷，是全世界独一无二的大地艺术祭现场。这次，不仅是一场艺术盛宴，更是一场舌尖之旅——从品尝当地新米到品鉴小诸威士忌，从妻有猪到和牛铁板烧，从药汤温泉到轻井泽骑行，吃喝玩乐一举拿下！名额有限，详情可进入微信小程序“大内夜市”查看。恰逢周年，大内十三周年限定主题周边正式上线。在香港的俚语里，“My Cup Of Tea”代表合心我意、投缘，于是我们将Tea替换成T恤的缩写Tee，于是就有了“MY CUP OF TEE 係我杯茶”的周年主题。而本次周边分为是定制马克杯、主题T恤两款单品，也推出了成套纪念礼盒（礼盒附赠随机主播签名嗷）～还记得那些一起笑过、燃过、感动过的时刻吗？我们没忘，也不想忘。于是，我们把来自“浪谈”宇宙的NBA节目、漫画节目和东瀛野望录里的动人句子，写进这件由杨凯老师亲自设计的T恤中，致敬彼此相伴的100小时时光。微信搜索小程序“大内夜市”，即可购买～深夜谈谈招聘啦，本次开放岗位全职：1、视频编导（北京/上海） 2、商务BD&AE （上海）感兴趣的朋友们请发送求职信+简历+个人作品请发送至邮箱jobs@midnightalks.com-你还可以在这里找到我们：小红书：@深夜谈谈、@相征terry、 @miyaB站：@大内密谈midnightalks视频号&抖音：@深夜谈谈微博：@大内密谈微信公众号：大内密谈商务合作邮箱：biz@midnightalks.com加听众群：加深夜谈谈子微信（微信号:SYTT-midnightalks2）并回复【听众群】即可进群。

Kymm Martinez was doing the work to land clients.She had scorecards. She had a tracker. She was having discovery meetings and working her network. She had nearly 20 years of marketing experience at General Mills plus two CMO roles so she understood business development. And yet her pipeline wasn't becoming predictable, and she couldn't figure out why.In Episode 285, Melisa Liberman sits down with Kymm to unpack what was actually happening and what changed when she put a microscope to the activity instead of just doing more of it.Kymm shares how she discovered she was focused on quantity instead of quality, the corporate habits she didn't realize she'd carried into her consulting business, and how perfectionism was quietly blocking her at every stage of business development.She also shares what shifted in how she thinks about her goals, from replicating her corporate income to setting a very different vision for what her business could become.If you've been putting effort into business development and still don't have a pipeline that feels predictable, Kymm's story will help you figure out exactly where to look.Timestamps for Key Moments:[00:00] Introduction to Kymm Martinez and why her story matters[00:02] Companion resource: Lead Gen Sprint at www.ConsultantSprint.com[00:04] Kymm's background and what surprised her about going independent[00:07] The corporate habits she didn't realize she'd brought with her[00:22] Perfectionism as a BD blocker and how she's managing it[00:29] What surprised Kymm about the Sprint cohort[00:38] Dreaming bigger: from replicating corporate income to a million-dollar goal[00:43] Advice for fellow independent consultantsResources Mentioned:Companion Resource: The Consultant's Lead Gen Sprint. Fall cohort starts September 22nd. Enroll at www.ConsultantSprint.comGuest website: www.wildermarketinggroup.comGuest LinkedIn: www.linkedin.com/in/kymmmartinezThe Wilder Brief (newsletter): www.wildermarketinggroup.com/the-wilder-briefFull Show Notes: https://shownotes.melisaliberman.com/episode-285Want More?Melisa's Books, Planners & Journals: https://linktr.ee/melisalibermanGet Melisa's Book: https://www.melisaliberman.com/bookVisit Melisa's Website: https://www.melisaliberman.com/Follow on LinkedIn: https://www.linkedin.com/in/melisa-libermanWant help achieving your consulting business goals? Melisa can help. Click here for more on coaching tailored to you as an independent consulting business owner.

Et si on parlait comics ? Comics Pick sélectionne pour vous le meilleur des comics... ou du moins, on essaie. Le trio composé de Baptiste, Balmung et Knightwing vous propose un retour réflexif sur les titres populaires ou les pépites cachées parmi les sorties récentes chez les éditeurs français. Le mot d'ordre : les comics, c'est du super-héros, mais pas que !Au programme de Comics Pick #82 :Hal Jordan and the Green Lantern Corps (Urban Comics) : Commander sur ComicsZone.frTout ce qui Meurt et Agonise (Urban Comics) : Commander sur ComicsZone.frExtremity (Delcourt) : Commander sur ComicsZone.frComics Pick est un podcast indépendant.Si cette émission vous a plu, vous pouvez nous soutenir en partageant l'émission sur les réseaux.Retrouvez nous sur les réseaux linktr.ee/comicsstuffUn grand merci à vous tous pour le soutien que vous manifestez pour l'émission. On se retrouve le mois prochain pour un nouvel épisode !

بعد 1100 عام على رحيله، وبعد كل ما قيل فيه، لا يزال هناك الكثير مما يُقال في المتنبي، ليس إعجابًا بقصائده ولا إعادة لقراءتها فحسب، بل إعادة قراءة للمتنبي نفسه كشاعر جمع بين العبقرية والنرجسية، ويُعدّ أفضل من شرح أحوال النفس، بل إنه سبق "كوبلر" بقرون في وصف مراحل الفقد الشهيرة.نعيد اكتشاف أبي الطيب المتنبي كمحلل نفسي، ونعيد تحليل أبياته الشهيرة لنكتشف العلاقة بين ما قاله قديمًا وما يدور حاليًا في المؤسسات من صراعات وتذبذب للعلاقات بين أصحاب الكفاءة العالية والمديرين، مع ضيفتنا هاجر القايدي مستشارة علم نفس العمل في حلقة جديدة من بودكاست جولان.  هذه الحلقة برعاية: سلالات نشارككم جودة الحياة. https://sulalat.com/ المحاور:00:00 المقدمة2:02 بدايات هاجر القايدي مع المتنبي2:10 العلاقة بين علم نفس العمل والمتنبي7:45 آلية التعويض عند المتنبي12:40 نرجسية المتنبي19:17 هل هناك من يحب النرجسيين؟25:11 كيف نحلل المتنبي بعد قرون من رحيله؟26:50 كيف صنع المتنبي "براند شخصي"؟31:15 التحليل النفسي لأبيات المتنبي54:29 السلطة وصاحب الكفاءة العالية1:02:30 المتنبي أفضل من شرح أحوال النفس1:14:28 شخصية المتنبي الحزينة1:21:55 المتنبي بين العظمة والغطرسة1:26:36 هل فتلت المتنبي نرجسيته؟1:27:20 الختام حلقة جديدة من بودكاست «جولان» مع محمد الشثري. بإمكانك مشاهدة الحلقة من خلال اليوتيوب أو الاستماع لها عبر منصات البودكاست. وكذلك يهمنا معرفة رأيك عن الحلقات بالتعليقات أو تقييمك على Apple Podcast. كما بوسعك تقديم اقتراحك لبودكاست جولان بمراسلتنا على: suggest@micspod.com  محمد الشثري على اكس: https://x.com/m_a_alshathryمحمد الشثري انستقرام: https://www.instagram.com/m_a_alshathryمحمد الشثري سناب شات: https://www.snapchat.com/add/m_alshathryمحمد الشثري تيك توك: https://www.tiktok.com/@m_a_alshathry للإعلانات والرعايات:BD@micspod.com لمعرفة أحدث أخبار شبكة مايكس تابعنا على:اكس: https://twitter.com/MicsPod انستقرام: https://www.instagram.com/micspod فيس بوك: https://www.facebook.com/Micspodoffic لينكد ان: https://www.linkedin.com/company/micspodتيك توك: https://vm.tiktok.com/ZSehjfoBt/

In de podcast ‘Stoere Kerels’ bespreken BD-clubwatchers Dolf van Aert en Job Willemse wekelijks het wel en wee van Willem II. In aflevering 4 van seizoen 6 gaat het over de oefenzege op Telstar en aanstaand tegenstander SC Heerenveen.Beluister al onze podcasts: https://www.bd.nl/podcastSee omnystudio.com/listener for privacy information.

曹工终于带着新专辑《木楼人》回来了，但这回咱们不聊音乐，改聊他身边的“奇葩”朋友们。有酒后在酒店房间凭空变出一棵假棕榈树的美国人，有从电子乐玩到红酒又回归民谣的音乐人，还有隐居意大利山里天天骗人爬山。曹工感慨人到中年，生活的本质，是一根痛苦的长线，串起一颗颗为数不多的快乐珍珠。而那些奇怪却又真实的人，或许才是抵抗乏味生活的唯一解药！主播 / 相征 嘉宾 / 曹璞音频后期 / 陆凯BBBBUDDHA音频上传 / 恬恬Timeline:00:04:32 《木楼人》这次真的发了00:10:22 中年人只能聊痛苦。。。吗？00:14:19 喝多了搬绿植为了净化空气00:24:18 摇滚乐可真行！00:33:37 喜欢听点碾核！00:40:28 家庭旅行充满挑战00:51:59 周围都是怪人，但我正常呀00:53:16 木楼人 - 陌生的你00:58:29 去趟海边交个女朋友01:05:49 “板上钉钉”的故事 01:12:07 建筑夫妇爱爬山01:30:57 聊聊有趣的音乐人01:45:01 饿了吃观赏蟹？01:50:54 网络时代下的真实社交需求 01:53:18 木楼人 - 子夜之前今年十一长假，由划水怪&miya带队，七天六晚带你深入越后妻有和轻井泽。这片藏在日本新潟县的雪国山谷，是全世界独一无二的大地艺术祭现场。这次，不仅是一场艺术盛宴，更是一场舌尖之旅——从品尝当地新米到品鉴小诸威士忌，从妻有猪到和牛铁板烧，从药汤温泉到轻井泽骑行，吃喝玩乐一举拿下！名额有限，详情可进入微信小程序“大内夜市”查看。恰逢周年，大内十三周年限定主题周边正式上线。在香港的俚语里，“My Cup Of Tea”代表合心我意、投缘，于是我们将Tea替换成T恤的缩写Tee，于是就有了“MY CUP OF TEE 係我杯茶”的周年主题。而本次周边分为是定制马克杯、主题T恤两款单品，也推出了成套纪念礼盒（礼盒附赠随机主播签名嗷）～还记得那些一起笑过、燃过、感动过的时刻吗？我们没忘，也不想忘。于是，我们把来自“浪谈”宇宙的NBA节目、漫画节目和东瀛野望录里的动人句子，写进这件由杨凯老师亲自设计的T恤中，致敬彼此相伴的100小时时光。微信搜索小程序“大内夜市”，即可购买～深夜谈谈招聘啦，本次开放岗位全职：1、视频编导（北京/上海） 2、商务BD&AE （上海）感兴趣的朋友们请发送求职信+简历+个人作品请发送至邮箱jobs@midnightalks.com-你还可以在这里找到我们：小红书：@深夜谈谈、@相征terry、 @miyaB站：@大内密谈midnightalks视频号&抖音：@深夜谈谈微博：@大内密谈微信公众号：大内密谈商务合作邮箱：biz@midnightalks.com加听众群：加深夜谈谈子微信（微信号:SYTT-midnightalks2）并回复【听众群】即可进群。

LA SPECIALE - Koré et Sarah ont parlé des livres qu'elles ont lu de leur PAL de l'hiver et ont préparé celle pour la plageKoré et ses lectures :Sur Insta

小海初中被迫辍学，漫长的打工岁月里，辗转于全国各地工厂，在枯燥的车间里，摇滚乐、古典诗词与海子的诗歌成为他的精神寄托，劳作间隙，他不停写下诗歌与歌词。他曾给自己崇拜的音乐人私信，只有张楚给予回应，这份鼓励推动他奔赴北京追梦。可是刚到北京的他居无定所，流浪街头，之后落脚皮村，运营公益二手衣物店，也就是大家熟知的 “诗歌商店”。多年坚持创作后，他的诗集正式出版，也站上海外的文学舞台，不过物质生活依旧清贫，还要直面爱情婚姻带来的现实重担。一路走来，唯一不变的就是他的真诚，节目中他的真诚打动了小寒老师和划水怪，也希望这份真诚，能戳中听节目的你们～更多精彩内容，欢迎收听本期节目~主播 / 相征 郭小寒嘉宾 / 小海音频后期 / 陆凯BBBBUDDHA音频上传 / 恬恬-本节目由深夜谈谈 Midnight Network出品 -Timeline:00:00:29 打破传说中的“不可能三角”！00:07:37 辍学南下：火车上的“痛感”与黑大巴惊魂00:11:26 车间里的那首《蓝莲花》00:20:56 踩着缝纫机背唐诗00:36:24 痴迷艾伦·金斯伯格的《嚎叫》00:45:48 追梦的“苦旅”00:53:27 没有文学、诗歌和摇滚乐，我将被淹没01:00:22 蚊子多得像盖了一层被子01:13:45 穿二手的衣服，读一流的诗01:32:46 从工厂流水线到柏林剧场01:41:58 当孙悟空变成西西弗斯02:06:37 一地鸡毛的生活里也有波澜壮阔02:10:57 The Doors - Riders on the Storm今年十一长假，由划水怪&miya带队，七天六晚带你深入越后妻有和轻井泽。这片藏在日本新潟县的雪国山谷，是全世界独一无二的大地艺术祭现场。这次，不仅是一场艺术盛宴，更是一场舌尖之旅——从品尝当地新米到品鉴小诸威士忌，从妻有猪到和牛铁板烧，从药汤温泉到轻井泽骑行，吃喝玩乐一举拿下！名额有限，详情可进入微信小程序“大内夜市”查看。恰逢周年，大内十三周年限定主题周边正式上线。在香港的俚语里，“My Cup Of Tea”代表合心我意、投缘，于是我们将Tea替换成T恤的缩写Tee，于是就有了“MY CUP OF TEE 係我杯茶”的周年主题。而本次周边分为是定制马克杯、主题T恤两款单品，也推出了成套纪念礼盒（礼盒附赠随机主播签名嗷）～藏式金刚断烦恼，紫檀咒珠守心安。二十八宿催红鸾，甲子莲蓬伴流年。大内上新四款手串，愿你遇事不慌，少些内耗，遇见真心，白首不离。微信搜索小程序“大内夜市”，把祝福戴在腕间，日子自有光亮。深夜谈谈招聘啦，本次开放岗位全职：1、视频编导（北京/上海） 2、商务BD&AE （上海）感兴趣的朋友们请发送求职信+简历+个人作品请发送至邮箱jobs@midnightalks.com-你还可以在这里找到我们：小红书：@深夜谈谈、@相征terry、 @miyaB站：@大内密谈midnightalks视频号&抖音：@深夜谈谈微博：@大内密谈微信公众号：大内密谈商务合作邮箱：biz@midnightalks.com加听众群：加深夜谈谈子微信（微信号:SYTT-midnightalks2）并回复【听众群】即可进群。

Il s'en passe des choses pour les adaptations de comics, au cinéma et à la télévision ! Nous poursuivons nos formats On Screen de l'été à un rythme plus que soutenu, et cette fois-ci nous allons revenir sur l'attendue saison 2 de X-Men '97, qui vient tout juste de s'achever sur Disney+. Il y avait bien des attentes après la première fournée d'épisodes réussie, il y a déjà... deux ans ! Autant dire qu'on avait hâte de se retrouver pour faire ce podcast !Le grand débat sur X-Men '97 saison 2Hé oui, nous avons (presque) réussi à retrouver toute notre dream team puisque Vesper et Daniel Andreyev sont revenus à nos micros pour cette émission, aux côtés de Spleenter (et promis, on ramènera aussi Frédérick Sigrist pour la saison 3 !). De quoi passer deux heures en bonne compagnie pour évoquer tout ce qui va, mais aussi ce qui ne va pas, dans X-Men '97 saison 2 qui s'est montrée bien fournie, peut-être même un peu trop. Et vous, qu'en avez-vous pensé ?Si vous appréciez notre travail et ces émissions, ne manquez pas de le faire savoir en partageant le podcast un peu partout, en en parlant autour de vous, en discutant sur notre Discord ou encore en nous soutenant sur notre page Tipeee. Merci de votre écoute et à bientôt pour le prochain podcast !Le programmeDiscussion sans spoilers - 09:30Partie avec spoilers - 53:54Soutenez First Print - Votre podcast comics (& BD) préféré sur TipeeeHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

In de podcast ‘Stoere Kerels’ bespreken BD-clubwatchers Dolf van Aert en Job Willemse wekelijks het wel en wee van Willem II. In aflevering 3 van seizoen 6 gaat het onder meer over de thuisnederlaag tegen NEC én de komst van Calvin Twigt.Beluister al onze podcasts: https://www.bd.nl/podcastSee omnystudio.com/listener for privacy information.

“吵架王”来了。面对马斯克的商业神话，黎叔犀利指出：SpaceX靠租显卡赚钱，靠火箭吹牛，那工厂按美国效率得建半个世纪！而米地则反击称这是典型的“股神行为”，不应以短期波动定论。战火蔓延至历史领域，黎叔更是将一位女主播的言论批为“菜鸟逻辑”，认为她不仅断代比较，还用今天的牛津剑桥偷换中世纪神学院的概念，以此贬低我国历史成就。聊到面对韩红被骂：慈善不是苦行，管理费合规最重要。吵了一整期，到底谁赢了？更多精彩内容，欢迎收听本期节目~主播 / 相征 嘉宾 / 黎叔 米地音频后期 / 陆凯BBBBUDDHA音频上传 / 恬恬-本节目由深夜谈谈 Midnight Network出品 -Timeline:00:01:28 “吵架王”来了00:10:30 我是不是说过你不要买00:23:16 质疑马斯克？00:35:35 商业航天发射成本与成功率之争 00:42:50 中国历史与西方文明谁牛逼？ 00:52:00 李约瑟之问01:05:07 韩红的慈善基金会01:21:42 穿日本队服庆祝？ 01:39:36 音乐节的政治表达 01:49:14 菲尔茨奖获得者争议02:07:11 要理性看待国内外差异呀02:16:31 陈绮贞 - 太聪明今年十一长假，由划水怪&miya带队，七天六晚带你深入越后妻有和轻井泽。这片藏在日本新潟县的雪国山谷，是全世界独一无二的大地艺术祭现场。这次，不仅是一场艺术盛宴，更是一场舌尖之旅——从品尝当地新米到品鉴小诸威士忌，从妻有猪到和牛铁板烧，从药汤温泉到轻井泽骑行，吃喝玩乐一举拿下！名额有限，详情可进入微信小程序“大内夜市”查看。恰逢周年，大内十三周年限定主题周边正式上线。在香港的俚语里，“My Cup Of Tea”代表合心我意、投缘，于是我们将Tea替换成T恤的缩写Tee，于是就有了“MY CUP OF TEE 係我杯茶”的周年主题。而本次周边分为是定制马克杯、主题T恤两款单品，也推出了成套纪念礼盒（礼盒附赠随机主播签名嗷）～藏式金刚断烦恼，紫檀咒珠守心安。二十八宿催红鸾，甲子莲蓬伴流年。大内上新四款手串，愿你遇事不慌，少些内耗，遇见真心，白首不离。微信搜索小程序“大内夜市”，把祝福戴在腕间，日子自有光亮。深夜谈谈招聘啦，本次开放岗位全职：1、视频编导（北京/上海） 2、商务BD&AE （上海）感兴趣的朋友们请发送求职信+简历+个人作品请发送至邮箱jobs@midnightalks.com-你还可以在这里找到我们：小红书：@深夜谈谈、@相征terry、 @miyaB站：@大内密谈midnightalks视频号&抖音：@深夜谈谈微博：@大内密谈微信公众号：大内密谈商务合作邮箱：biz@midnightalks.com加听众群：加深夜谈谈子微信（微信号:SYTT-midnightalks2）并回复【听众群】即可进群。

durée : 02:00:13 - Les Matins de France Culture - par : Julie Gacon - A l'occasion du centenaire de la naissance du scénariste de BD, René Goscinny, Julie Gacon reçoit à 7h38 l'illustratrice Catel et l'écrivain José-Louis Bocquet afin de revenir sur le parcours méconnu du créateur d'Astérix et Obélix. - équipe : Delphine Keravec, Anouk Milliot, Sarah Masson, Rodi Eken, Léa Capuano, Tina Iung, Salomé Erbs, Romain Rincon Hernandez Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

durée : 00:39:33 - Les Matins de France Culture - par : Julie Gacon - Le 14 août 2026 marque le centenaire de la naissance de René Goscinny. Scénariste du duo Astérix et Obélix, du Petit Nicolas ou encore de Lucky Luke, René Goscinny a durablement marqué le monde de la BD. Retour sur la vie du génie du calembour, dont on ne connaît pas toutes les péripéties. - équipe : Delphine Keravec, Anouk Milliot, Sarah Masson, Rodi Eken, Léa Capuano, Romain Rincon Hernandez, Salomé Erbs - invités : Catel Muller Scénariste dessinatrice de BD, José-Louis Bocquet Ecrivain, journaliste et scénariste de bandes dessinées Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

有些东西，我们明知可能再也用不上，却依然舍不得丢弃。划水怪的“囤积癖”引来miya的控诉，然而划水怪的三大理（诡）由（辩），说得振振有词：囤积是记忆的载体、是对未来不确定性的防卫、更是一种收藏！但你知道吗，真有这么一个地方，把这种“囤积”变成了世界级的艺术！那就是越后妻有大地艺术祭！今年十一长假，由划水怪&miya带队，七天六晚带你深入越后妻有和轻井泽。这片藏在日本新潟县的雪国山谷，是全世界独一无二的大地艺术祭现场。这次，不仅是一场艺术盛宴，更是一场舌尖之旅——从品尝当地新米到品鉴小诸威士忌，从妻有猪到和牛铁板烧，从药汤温泉到轻井泽骑行，吃喝玩乐一举拿下！名额有限，详情可进入微信小程序“大内夜市”查看。更多精彩内容，欢迎收听本期节目~主播 / 相征 嘉宾 / miya音频后期 / 陆凯BBBBUDDHA音频上传 / 恬恬-本节目由深夜谈谈 Midnight Network出品 -Timeline:00:01:53 划水怪的囤积癖00:10:31 “水果贴纸”的独特收藏 00:18:32 大地艺术祭的魅力 00:22:38 囤积还能有逻辑？00:32:04 “赛博”囤积行为00:45:51 早晚用得到？00:54:41 收藏和囤积有区别么？01:04:07 第一次去地艺术祭的时候01:11:25 濑户内艺术之旅01:29:54 体验升级了！！01:35:09 每一天都沉浸在艺术里！01:47:21 小学改建的美术馆01:52:11 艺术、威士忌与美食的完美融合 02:01:42 平沢進 - 媒介野恰逢周年，大内十三周年限定主题周边正式上线。在香港的俚语里，“My Cup Of Tea”代表合心我意、投缘，于是我们将Tea替换成T恤的缩写Tee，于是就有了“MY CUP OF TEE 係我杯茶”的周年主题。而本次周边分为是定制马克杯、主题T恤两款单品，也推出了成套纪念礼盒（礼盒附赠随机主播签名嗷）～藏式金刚断烦恼，紫檀咒珠守心安。二十八宿催红鸾，甲子莲蓬伴流年。大内上新四款手串，愿你遇事不慌，少些内耗，遇见真心，白首不离。微信搜索小程序“大内夜市”，把祝福戴在腕间，日子自有光亮。奔赴天山下的阿拉木图，给自己放个假！Gorillaz、Jack White 等传奇乐队轮番开唱。划水怪&miya带队大内专属小团，雪山峡谷、实弹射击、湖畔晚餐尽收眼底。2026.08.20-08.25​，诚邀你用旷野与音乐清空焦虑，共赴一场线下出逃，重置紧绷一整年的身心。​微信搜索小程序“大内夜市”，即可报名～​深夜谈谈招聘啦，本次开放岗位全职：1、视频编导（北京/上海） 2、商务BD&AE （上海）感兴趣的朋友们请发送求职信+简历+个人作品请发送至邮箱jobs@midnightalks.com-你还可以在这里找到我们：小红书：@深夜谈谈、@相征terry、 @miyaB站：@大内密谈midnightalks视频号&抖音：@深夜谈谈微博：@大内密谈微信公众号：大内密谈商务合作邮箱：biz@midnightalks.com加听众群：加深夜谈谈子微信（微信号:SYTT-midnightalks2）并回复【听众群】即可进群。

Nous sommes le 15 décembre 1850. Dans une lettre qu'il adresse à son ami Louis de Kergorlay, Alexis de Tocqueville écrit : « Je n'ai pas de traditions, je n'ai point de parti, je n'ai point de cause, si ce n'est celle de la liberté et de la dignité humaine ; de cela, je suis sûr. » Plus tard, dans le livre III de son ouvrage « L'Ancien Régime et la Révolution », il écrit encore : « Qui cherche dans la liberté autre chose qu'elle-même est fait pour servir. Que manque-t-il à ceux-là pour rester libres ? Quoi ? Le goût sublime de l'être » Philosophe, politique, historien, précurseur de la sociologie, Alexis de Tocqueville à penser la naissance des démocraties modernes et aussi les dangers qui les menacent. Avec Valérie André, professeur à l'ULB. Sujets traités : Alexis de Tocqueville, libéral démocrate, philosophe, politique, historien, sociologie, Merci pour votre écoute Un Jour dans l'Histoire, c'est également en direct tous les jours de la semaine de 13h15 à 14h30 sur www.rtbf.be/lapremiere Retrouvez tous les épisodes d'Un Jour dans l'Histoire sur notre plateforme Auvio.be :https://auvio.rtbf.be/emission/5936 Intéressés par l'histoire ? Vous pourriez également aimer nos autres podcasts : L'Histoire Continue: https://audmns.com/kSbpELwL'heure H : https://audmns.com/YagLLiKEt sa version à écouter en famille : La Mini Heure H https://audmns.com/YagLLiKAinsi que nos séries historiques :Chili, le Pays de mes Histoires : https://audmns.com/XHbnevhD-Day : https://audmns.com/JWRdPYIJoséphine Baker : https://audmns.com/wCfhoEwLa folle histoire de l'aviation : https://audmns.com/xAWjyWCLes Jeux Olympiques, l'étonnant miroir de notre Histoire : https://audmns.com/ZEIihzZMarguerite, la Voix d'une Résistante : https://audmns.com/zFDehnENapoléon, le crépuscule de l'Aigle : https://audmns.com/DcdnIUnUn Jour dans le Sport : https://audmns.com/xXlkHMHSous le sable des Pyramides : https://audmns.com/rXfVppvN'oubliez pas de vous y abonner pour ne rien manquer.Et si vous avez apprécié ce podcast, n'hésitez pas à nous donner des étoiles ou des commentaires, cela nous aide à le faire connaître plus largement. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

4X Growth While Everyone Watched Their Inbox Die. Want to actually make money with AI instead of just talking about it? Join me and Seb Sharp for The Recruiting Agents Workshop, August 25th and 26th. Two live build-along sessions where you will create your own autonomous lead agent and placement agent, connect your entire tech stack, and walk away with recordings, templates, and a week of Slack access to Seb. Grab your spot: https://the-recruiting-agents-workshop.heysummit.com/ And mark your calendar for the Finish The Year Strong 2026 Virtual Summit, September 28th through October 5th. The best in the industry sharing exactly how they plan to close out the year on top so you can do the same. Register free: https://recruiters-finish-the-year-strong.heysummit.com/ This episode is brought to you by Atlas, the CRM that actually understands context. Atlas captures every interview, client call, LinkedIn message, email, and WhatsApp automatically, then tells you the next action to take. Atlas customers are reporting 50 percent higher candidate response rates, 35 percent more new clients won, and 15 hours saved every week. Check it out at https://recruitwithatlas.com/ Everyone watched their inbox die. The cold emails that used to land now get deleted in half a second because hiring managers can smell AI from a mile away. While most agencies doubled down on the very channel that was failing them, Brian Abrams took his boutique project management staffing firm in the completely opposite direction. He went old school. Real handshakes, real conversations, real presence. The result? He 4Xd his revenue over the last few years, and he now attributes 30 to 40 percent of his gross profit to one channel almost no staffing firm takes seriously: industry conferences. In this episode Brian lays out his entire conference playbook with zero secrets held back. You will hear the four part system he has refined over a decade: how he builds his year long conference slate and decides which events actually deserve his marketing dollars, the pre work almost nobody does including the exact no pressure LinkedIn message he sends 30 days out, how he works the floor and captures every quality conversation before it evaporates, and the follow up cadence that turned a thirty second booth chat into one of his biggest clients ever. You will also hear the story behind the legendary Run PMO shirts, why 1,500 of them disappear by day two of every conference, the moment a flight attendant asked Brian if he had just come from a concert, and the sneak peek at what his team is bringing to Detroit this fall. Plus the honest stuff: the mistakes that cost him money, the booth tactics that flopped, why being memorable beats being everywhere, and his advice for any recruiter thinking about going out on their own. If your BD strategy is drowning in an ocean of ignored AI messages, this is the episode that shows you the door everyone else forgot exists. Because while your competitors fight for inbox attention, the decision makers are standing right there at the conference in your niche, waiting to meet someone real. Finish The Year Strong 2026 Virtual Summit: https://recruiters-finish-the-year-strong.heysummit.com/ The Recruiting Agents Workshop: https://the-recruiting-agents-workshop.heysummit.com/

Growth means different things depending on where you sit in a law firm. For lawyers, it's often about winning new work and deepening client relationships. For marketing and BD teams, it's about building the infrastructure, content and hiring strategy that makes that growth possible at scale. Bridging those two perspectives is increasingly becoming a role in its own right. As we continue to revisit standout episodes from the main podcast, today on CMO Series: Laterals & Mergers, we're looking back at a conversation Charles Cousins had with Craig Budner, former Global Strategic Growth Partner at K&L Gates, now CEO of Budner Performance Group. Craig explored what that bridging role looks like in practice, and how it drove growth across an international firm. Charles and Craig dive into: What a Global Strategic Growth Partner actually does The thinking behind launching the K&L Gates Client Conversations podcast Where the biggest growth opportunities lie for an international law firm How marketing and BD teams can support lawyers to build client relationships at scale What makes a strong lateral hire Key advice for firm leaders looking to grow their firms

durée : 00:46:35 - Les Nuits de France Culture - par : Albane Penaranda - Durant l'été 2008, France Culture proposait une série de cinq émissions "Astérix, une BD dans tous ses états" qui invitait à une relecture décalée de l'univers "astérixien". Le 4ème épisode était intitulé "Assurancetourix, ou l'art et la culture en question" (1ère diffusion : 14/08/2008). - équipe : Mathias Le Gargasson, Antoine Dhulster, Rafik Zénine, Vincent Abouchar, Emily Vallat, Hassane M'Béchour, INA Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

L'émission Front Page est une revue d'actualité qui s'intéresse à tout ce qui touche le monde de la bande dessinée américaine (comics) du côté des Etats-Unis comme de la France, ainsi qu'à ses adaptations tous médias confondus. Le podcast est une série régulière chez First Print et revient au rythme de trois épisodes par mois, hors contenus spéciaux. Ce Front Page est le premier podcast consacré à l'actualité comics du mois d'août 2026.REJOIGNEZ NOUS SUR DISCORD !!Le podcast est sponsorisé par Pulps et on vous propose un "Focus Pulps" chaque mois ! Découvrez une sélection de comics VO à prix de lancement !Le Focus Pulp's d'août 2026 : The Demon / Satanic Panic / Jonah HexSi vous appréciez le travail fourni par l'équipe et que vous souhaitez soutenir le podcast, vous pouvez partager les émissions sur les réseaux sociaux et vous abonner à nos différents comptes, laisser des notes sur les différentes plateformes d'écoute, ou encore nous soutenir via notre page Tipeee. Très bonne écoute à vous, et à bientôt pour le prochain podcast !Le ProgrammeCOMICS - 09:35Le Festival Hypermondes accueille une expo' sur les super-héros françaisDiamond Comics va rendre aux éditeurs les comics séquestrés dans leur entrepôt Kull le Conquérant, une autre adaptation de Robert E. Howard chez Titans ComicsKami Garcia et Gabriel Piccolo se retrouvent pour des albums Young JusticeDes numéros spéciaux pour le centenaire de naissance de Joe Kubert à la rentréeDC renouvelle la série The Deadman pour six numéros de plus !TV - 55:25Un documentaire en préparation sur Harvey Kurtzman CINEMA - 1:02:08Le procès Paramount/Warner se tiendra en mars 2027 (et l'addition sera salée)Kit Connor intègre le casting du film X-Men (et Sadie Sink confirme son retour)Soutenez First Print - Podcast Comics de Référence sur TipeeeHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Maintenant Vous Savez, c'est aussi ⁠Maintenant Vous Savez - Santé⁠ et ⁠Maintenant Vous Savez - Culture⁠. Si vous aimez les jeux de société, il y a fort à parier que vous avez déjà joué au “Uno”. D'un petit format pratique qui s'emporte facilement partout, ce célèbre jeu de cartes est devenu culte et fait partie des incontournables depuis plus de 50 ans. L'autre avantage est que ses règles sont faciles à expliquer. Enfin je dis ça, mais il semblerait que ces règles soient parfois fantaisistes et soumises à interprétation. Une relecture des vraies règles du Uno pourrait sans doute permettre de réparer de nombreuses injustices, comme celles dont j'ai été victime lors de parties endiablées ! Comment est né le Uno ? Et on joue comment au Uno ? Mais pourquoi y-a-t-il polémique sur les règles du Uno si c'est si facile ? Écoutez la suite dans cet épisode de "Maintenant vous savez - Culture". Un podcast Bababam Originals, écrit et réalisé par Béatrice Jumel. Première diffusion : mars 2023 A écouter aussi : ⁠⁠Comment Riad Sattouf est-il devenu l'enfant chérie de la BD française ? ⁠⁠ ⁠⁠Quels sont les 5 bruitages les plus cultes du cinéma ?⁠⁠ ⁠⁠Le tueur de Scream a-t-il vraiment existé ?⁠⁠ Retrouvez tous les épisodes de "Maintenant vous savez". Pour rester informé et recevoir le meilleur de “Maintenant vous savez” chaque semaine, abonnez-vous à notre newsletter. Suivez Bababam sur Instagram. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mergers can provide huge growth opportunities for law firms. Navigating a merger can also present challenges, but marketing and BD teams are well-positioned to help guide and influence a firm's strategic direction and identify new or emerging markets. Today on CMO Series: Laterals & Mergers, we are continuing to revisit stand out episodes that touch on the topics of lateral hires and law firm mergers. We are thrilled to be re-releasing an episode with Adam Severson, Chief Marketing and Business Development Officer at Baker Donelson, to share his insights on taking advantage of market opportunities and the key factors that influence the success of a merger. In this episode Adam discussed: His background and career journey to his role now at Baker Donelson The point at which he recognised the huge potential of law firm mergers in providing business development opportunities The current landscape for firms when it comes to merger activity The role of marketing and BD in influencing strategic growth and taking advantage of new or emerging markets The key success factors that indicate if a merger will be successful or not Advice for marketing BD professionals looking to successfully influence mergers and capitalise on growth opportunities

durée : 00:16:39 - Les Nuits de France Culture - par : Albane Penaranda - "La bande dessinée est-elle un univers machiste ?" telle était la question posée à la fin des années 80 dans l'émission d'actualité culturelle "Panorama", auprès de dessinatrices de bandes dessinées. - équipe : Mathias Le Gargasson, Antoine Dhulster, Rafik Zénine, Vincent Abouchar, Emily Vallat, Hassane M'Béchour, INA Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

شهد وهو فتى في التاسعة عشرة سقوط الإمبراطورية العظيمة التي شيدها أجداده، رأى العباسيون وهم يقتلون أهله، حتى أنه شهد مقتل أخيه أمام عينيه! ومع ذلك لم تقتل تلك اللحظات القاسية به عزمه على تحقيق النبوءة التي قيلت له صغيرًا، بأنه سيعيد مجد الدولة الأموية في الغرب.هو عبدالرحمن الداخل، القائد الفذ الذي تعلم أمور السياسة والحكم، واللين والشدة في بلاط جده هشام بن عبد الملك، وحين تداعت أركان الدولة وسقطت، خاض معارك طاحنة ليعيد تشييد دولة عظيمة استمرت نحو 300 عام، لكن في الأندلس هذه المرة.نستعرض سيرته، ورحلته من السقوط والمطاردة إلى سدة الحكم، مع ضيفنا الأديب خبتي محمد.في حلقة جديدة من بودكاست جولان هذه الحلقة برعاية: سلالات نشارككم جودة الحياة. https://sulalat.com/المحاور:00:00 المقدمة2:07 أهمية البيان والفصاحة11:33 نشأة عبدالرحمن الداخل ونسبه21:43 عبد الملك بن مروان33:43 نبوءة مسلمة بن عبد الملك39:04 بدايات سقوط الدولة الأموية56:46 أين كان العباسيون في الدولة الأموية؟1:14:39 مطاردة عبدالرحمن الداخل1:22:37 التفكير في دخول الأندلس1:33:13 دخول عبدالرحمن الداخل قرطبة1:40:30 قصة لقب «صقر قريش»1:48:16 ثورات وفتن ضد عبدالرحمن الداخل2:08:33 نهضة الأندلس على يد عبدالرحمن2:11:39 الشبه بينه وبين الملك عبدالعزيز2:19:51 الأندلس بعد وفاة عبدالرحمن الداخل2:46:42 الختامحلقة جديدة من بودكاست «جولان» مع محمد الشثري. بإمكانك مشاهدة الحلقة من خلال اليوتيوب أو الاستماع لها عبر منصات البودكاست. وكذلك يهمنا معرفة رأيك عن الحلقات بالتعليقات أو تقييمك على Apple Podcast. كما بوسعك تقديم اقتراحك لبودكاست جولان بمراسلتنا على: suggest@micspod.comمحمد الشثري على اكس: https://x.com/m_a_alshathryمحمد الشثري انستقرام: https://www.instagram.com/m_a_alshathryمحمد الشثري سناب شات: https://www.snapchat.com/add/m_alshathryمحمد الشثري تيك توك: https://www.tiktok.com/@m_a_alshathryللإعلانات والرعايات:BD@micspod.comلمعرفة أحدث أخبار شبكة مايكس تابعنا على:اكس: https://twitter.com/MicsPodانستقرام: https://www.instagram.com/micspodفيس بوك: https://www.facebook.com/Micspodofficلينكد ان: https://www.linkedin.com/company/micspodتيك توك: https://vm.tiktok.com/ZSehjfoBt/

A peine dix jours après sa sortie cinéma, il est déjà le méga-blockbuster de l'été, et sera peut-être le plus gros succès de tout 2026. Spider-Man : Brand New Day défonce tout au box-office au moment où j'écris ces lignes, mais nous n'avons pas attendu les 2 milliards engrangés pour enregistrer un beau podcast pour revenir sur ce qui est sûrement le meilleur Spider-Man porté par Tom Holland chez Marvel Studios. Un film qui n'est pas pour autant parfait, mais vous verrez qu'on a bien des choses à en dire !Le grand débat sur Spider-Man : Brand New DayBeaucoup de monde était en vacances aussi faisons-nous ce podcast en petit comité, mais avec le plaisir de pouvoir ré-accueillir le bon Frédérick Sigrist, qui a vu Spider-Man : Brand New Day pendant ses vacances au Japon figurez-vous, mais aussi un maître Spleenter que l'on ne vous présente plus. Nous espérons que ce podcast vous plaira, et que vous pourrez faire découvrir notre émission à toutes celles et ceux qui peuvent encore découvrir First Print - et resterons ensuite pour les émissions "comics" ! Merci de vos partages d'avance !!Le programmeUn point cocopédia sur la période Brand New Day de Spider-Man - 04:10Discussion sans spoilers - 38:00Partie avec spoilers - 1:25:07Soutenez First Print - Votre podcast comics (& BD) préféré sur TipeeeHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

In de podcast ‘Stoere Kerels’ bespreken BD-clubwatchers Dolf van Aert en Job Willemse wekelijks het wel en wee van Willem II. In aflevering 2 van seizoen 6 gaat het over de seizoensouverture tegen Go Ahead Eagles en uiteraard de blessure van keeper Thomas Didillon-Hödl.Beluister al onze podcasts: https://www.bd.nl/podcastSee omnystudio.com/listener for privacy information.

从广东少女一句谎言把亲生父亲送上被告席，到网络隔空猥亵的新型犯罪陷阱；从“追风小叶”地铁被诬偷拍维权两年却告不赢，到武大男生被当众指控“性骚扰”写下认罪书法院却不认。这些案件背后有哪些“法律误区”。服刑人员走出监狱拍电影拿影展大奖引发舆论哗然、LV和茉莉奶白的商标官司争议不断、协议和诉讼离婚根本就是两个流程——本期节目，我们又请到了陈元奇律师，拆解这些刷屏案件，用清晰的法条和真实的判决，带我们看清背后的法律！更多精彩内容，欢迎收听本期节目~主播 / 相征 嘉宾 / 陈元奇音频后期 / 陆凯BBBBUDDHA音频上传 / 恬恬-本节目由深夜谈谈 Midnight Network出品 -Timeline:00:02:28 家暴应该如何应对 00:09:24 消费维权指南00:16:19 广东清远少女诬告父亲性侵案00:26:11 未成年人案件取证与疑罪从无原则00:34:48 性同意年龄 00:50:27 案件重新判了 01:08:06 诬告与名誉权01:16:24 再聊“武大”案件01:29:11 服刑人员参与影视拍摄01:38:44 LV商标侵权案01:46:03 奇葩离婚案：男方怀疑女方非亲生 ？？？01:50:49 患癌妻子起诉销毁非法胚胎引发法律争议 01:58:22 家暴定义与处罚标准02:02:43 Buggs - Flaws恰逢周年，大内十三周年限定主题周边正式上线。在香港的俚语里，“My Cup Of Tea”代表合心我意、投缘，于是我们将Tea替换成T恤的缩写Tee，于是就有了“MY CUP OF TEE 係我杯茶”的周年主题。而本次周边分为是定制马克杯、主题T恤两款单品，也推出了成套纪念礼盒（礼盒附赠随机主播签名嗷）～藏式金刚断烦恼，紫檀咒珠守心安。二十八宿催红鸾，甲子莲蓬伴流年。大内上新四款手串，愿你遇事不慌，少些内耗，遇见真心，白首不离。微信搜索小程序“大内夜市”，把祝福戴在腕间，日子自有光亮。奔赴天山下的阿拉木图，给自己放个假！Gorillaz、Jack White 等传奇乐队轮番开唱。划水怪&miya带队大内专属小团，雪山峡谷、实弹射击、湖畔晚餐尽收眼底。2026.08.20-08.25​，诚邀你用旷野与音乐清空焦虑，共赴一场线下出逃，重置紧绷一整年的身心。​微信搜索小程序“大内夜市”，即可报名～​深夜谈谈招聘啦，本次开放岗位全职：1、视频编导（北京/上海） 2、商务BD&AE （上海）感兴趣的朋友们请发送求职信+简历+个人作品请发送至邮箱jobs@midnightalks.com-你还可以在这里找到我们：小红书：@深夜谈谈、@相征terry、 @miyaB站：@大内密谈midnightalks视频号&抖音：@深夜谈谈微博：@大内密谈微信公众号：大内密谈商务合作邮箱：biz@midnightalks.com加听众群：加深夜谈谈子微信（微信号:SYTT-midnightalks2）并回复【听众群】即可进群。

REJOIGNEZ NOUS SUR DISCORD !!Le podcast est sponsorisé par Pulps et on vous propose un "Focus Pulps" chaque mois ! Découvrez une sélection de comics VO à prix de lancement ! Et puis deux mois plus tard, on vous livre une pastille audio pour revenir sur les numéros que nous avions sélectionnés ! C'est notre format "Review Pulp's" !Le Review Pulp's de juillet 2026 : Starhenge Book Two / Vampyrates / Clayface : Celebrity DirtHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

 ওহে ঈমানদারগণ! আল্লাহ তোমাদেরকে কঠিন পরীক্ষার সম্মুখীন করবেন (মুহরিম অবস্থায়) শিকারের ব্যাপারে যা তোমাদের হাত আর বর্শার নাগালের ভিতর এসে যায়, এটা জেনে নেয়ার জন্য যে অদৃশ্যে থেকেও কে আল্লাহকে ভয় করে। (সুস্পষ্টভাবে জানানো হয়েছে) এরপরও যারা সীমালঙ্ঘন করে তাদের জন্য রয়েছে যন্ত্রণাদায়ক শাস্তি।ওহে বিশ্বাসীগণ! ইহরাম অবস্থায় তোমরা শিকার হত্যা করো না। জেনে বুঝে তোমাদের কেউ তা হত্যা করলে তার বিনিময় হচ্ছে অনুরূপ গৃহপালিত জন্তু। যে ব্যাপারে তোমাদের মধ্যের ন্যায়পরায়ণ দু'জন লোক ফায়সালা করে দেবে, তা কা‘বাতে কুরবানীর জন্য পাঠাতে হবে। কিংবা তার কাফফারা হল কয়েকজন মিসকিনকে খাদ্য দান অথবা তদনুরূপ রোযা পালন, যেন সে স্বীয় কৃতকর্মের ফল ভোগ করে, পূর্বে যা হয়ে গেছে আল্লাহ তা ক্ষমা করেছেন; কেউ (পাপকাজ) পুনরায় করলে আল্লাহ তার নিকট হতে প্রতিশোধ গ্রহণ করবেন। আল্লাহ মহা পরাক্রমশালী, প্রতিশোধ গ্রহণে পূর্ণ সক্ষম। আমাদের সকল একাউন্টের লিংক : ১. ফেসবুক পেজ (Facebook Page) - https://www.facebook.com/quranicthoughtsinbangla/ ২. ইউটিউব (Bangla YouTube Channel) - https://www.youtube.com/+@QuranicThoughtsInBangla ৩. ইউটিউব (English YouTube Channel) - https://www.youtube.com/@abdulbaqisharaf ৪. ইন্সটাগ্রাম (Instagram) - https://www.instagram.com/QuranicThoughtsInBangla আল্লাহর জন্য আমাদের এই যাত্রায় আপনাকে স্বাগতম এবং এ যাত্রায় আপনার সহযোগিতা কাম্য। Quranic Thoughts in Bangla Dr. Abdul Baqi Sharaf কুরআনের চিন্তাধারা। ডঃ আব্দুল বাকী শরফ। #Quran #IslamicReminders #IslamicQuotes #IslamicChannel #Muslim #Muslims #Bangla #Bangladesh #BD #SurahAlMa'idah #সূরাআলমায়েদা #মায়েদা #QuranicThoughtsInBangla

 সমুদ্রের শিকার ও তা ভক্ষণ তোমাদের জন্য হালাল করা হয়েছে, তোমাদের আর সফরকারীদের ভোগের জন্য। ইহরাম অবস্থায় থাকা পর্যন্ত স্থলের শিকার তোমাদের জন্য হারাম করা হয়েছে। আল্লাহকে ভয় কর যাঁর কাছে তোমাদেরকে একত্রিত করা হবে। আমাদের সকল একাউন্টের লিংক : ১. ফেসবুক পেজ (Facebook Page) - https://www.facebook.com/quranicthoughtsinbangla/ ২. ইউটিউব (Bangla YouTube Channel) - https://www.youtube.com/+@QuranicThoughtsInBangla ৩. ইউটিউব (English YouTube Channel) - https://www.youtube.com/@abdulbaqisharaf ৪. ইন্সটাগ্রাম (Instagram) - https://www.instagram.com/QuranicThoughtsInBangla আল্লাহর জন্য আমাদের এই যাত্রায় আপনাকে স্বাগতম এবং এ যাত্রায় আপনার সহযোগিতা কাম্য। Quranic Thoughts in Bangla Dr. Abdul Baqi Sharaf কুরআনের চিন্তাধারা। ডঃ আব্দুল বাকী শরফ। #Quran #IslamicReminders #IslamicQuotes #IslamicChannel #Muslim #Muslims #Bangla #Bangladesh #BD #SurahAlMa'idah #সূরাআলমায়েদা #মায়েদা #QuranicThoughtsInBangla

本期节目是个“老友局”，方老师、小寒老师和划水怪在北京相聚，在《奥德赛》上映前，他们从这部史诗聊起，发现当下无数人都踏上了大规模的“奥德赛”式流浪：漫长、迂回、没有方向，却必须前行。三人对比了北京与上海的社交差异，感慨如今见面常被利益权衡填满，那种纯粹松弛、漫无目的的交谈正变得稀缺。他们梳理了两种人生状态：一边是全年无休、被客户随时召唤的自由职业者，一边是踏实买菜做饭、融入烟火的普通人。从观鸟随笔到唐宋诗词，再到《论语》与《洛神赋》，那些无法变现的无用热爱，反而搭建起跨越时空的精神共鸣。聊到最后他们发现，人人都会走过迷茫漂泊的阶段，重要的不是找到终点，而是学会与自己和解。更多精彩内容，欢迎收听本期节目~主播 / 相征 郭小寒 方佳翮音频后期 / 陆凯BBBBUDDHA音频上传 / 恬恬-本节目由深夜谈谈 Midnight Network出品 -Timeline00:00:15 许久未见的小寒和方老师来啦00:03:33 “奥德赛时期”的归属感00:11:29 自由职业真的自由么？00:21:06 急于“贴标签”的时代00:27:58 年轻人别躺平00:41:30 观鸟与散步00:51:17 无用之用的知识有什么用？00:58:31 deep time与无效社交 01:05:32 音乐节的偶遇，警醒到现在？01:18:31 说去“观鸟”就去了？！01:27:39 《论语》与《诗经》有大智慧！01:45:45 观察者与投入者02:01:04 《洛神赋》里的趣事 02:15:54 James Blake,Travis Scott,Ludwig Göransson - When I'm Home恰逢周年，大内十三周年限定主题周边正式上线。在香港的俚语里，“My Cup Of Tea”代表合心我意、投缘，于是我们将Tea替换成T恤的缩写Tee，于是就有了“MY CUP OF TEE 係我杯茶”的周年主题。而本次周边分为是定制马克杯、主题T恤两款单品，也推出了成套纪念礼盒（礼盒附赠随机主播签名嗷）～藏式金刚断烦恼，紫檀咒珠守心安。二十八宿催红鸾，甲子莲蓬伴流年。大内上新四款手串，愿你遇事不慌，少些内耗，遇见真心，白首不离。微信搜索小程序“大内夜市”，把祝福戴在腕间，日子自有光亮。奔赴天山下的阿拉木图，给自己放个假！Gorillaz、Jack White 等传奇乐队轮番开唱。划水怪&miya带队大内专属小团，雪山峡谷、实弹射击、湖畔晚餐尽收眼底。2026.08.20-08.25​，诚邀你用旷野与音乐清空焦虑，共赴一场线下出逃，重置紧绷一整年的身心。​微信搜索小程序“大内夜市”，即可报名～​深夜谈谈招聘啦，本次开放岗位全职：1、视频编导（北京/上海） 2、商务BD&AE （上海）感兴趣的朋友们请发送求职信+简历+个人作品请发送至邮箱jobs@midnightalks.com-你还可以在这里找到我们：小红书：@深夜谈谈、@相征terry、 @miyaB站：@大内密谈midnightalks视频号&抖音：@深夜谈谈微博：@大内密谈微信公众号：大内密谈商务合作邮箱：biz@midnightalks.com加听众群：加深夜谈谈子微信（微信号:SYTT-midnightalks2）并回复【听众群】即可进群。

Ryan Belanger — Founder & CEO, Claro Advisors Most firms are adding AI to existing workflows. Ryan Belanger chose a different path, acquiring a fintech company and rebuilding Claro Advisors around an AI-native platform. He explains why he believes the future belongs to firms that rethink how they operate, not just the tools they use. In Summary Most firms view AI as another technology investment. Ryan Belanger sees it as a business strategy. Louis sits down with the Founder & CEO of Claro Advisors to discuss why his $1.5 billion RIA acquired a fintech company, built an AI-native operating platform, and believes the firms that gain the biggest advantage won't simply adopt new technology—they'll rethink how their businesses are built. The conversation also explores the broader philosophy behind that decision. Ryan shares why he's consistently chosen unconventional paths—from recruiting younger advisors and embracing a partnership model built around ownership to investing in proprietary technology instead of relying on third-party solutions. For advisors, the bigger question isn't simply how AI will change their workflow. It's how it may change what it takes to build a durable, differentiated advisory firm. The Storyline Every generation of wealth management has been shaped by a different competitive advantage. For some, independence paved the way to build unique branding and a bespoke client experience. Inorganic growth and M&A gave many firms access to scale and growth. Today, many believe the next advantage will come from artificial intelligence. But simply adopting AI may not be enough. Ryan Belanger has spent his career challenging conventional thinking. He left Morgan Stanley in 2012, well before independence became mainstream. He built Claro Advisors by investing in younger advisors instead of competing for established producers. He embraced a partnership model centered on advisor ownership rather than restrictive employment structures. And when AI began reshaping the industry, he made another unconventional decision: instead of licensing another technology platform, Claro acquired a fintech company and built its own AI-native operating system. Louis explores the reasoning behind each decision and the philosophy that connects them. Ryan explains why he believes proprietary technology will become a defining competitive advantage, how Claro's AI platform, Claire, is changing advisor workflows, and why the biggest opportunity isn't replacing advisors; it's giving them more time to do the work clients value most. The conversation also tackles practical questions facing every advisory firm: how to integrate AI responsibly, where human judgment continues to matter most, and why the firms best positioned for the future may be the ones willing to redesign their businesses instead of simply adding another layer of technology. Topics Covered AI-native advisory firms Acquiring a fintech versus licensing technology Building proprietary advisor technology Advisor productivity and workflow automation Recruiting and developing younger advisors 1099 partnership model and advisor autonomy Enterprise building and long-term differentiation AI governance and advisor trust The future of wealth management technology > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why did Ryan launch independently long before it became common? (7:30) Ryan explains why leaving Morgan Stanley in 2012 wasn't simply about independence—it was about creating a better business model while betting on himself. Why recruit emerging advisors instead of established producers? (15:00) Ryan shares why investing in younger advisors has become one of Claro's greatest competitive advantages and succession strategies. Why would an RIA buy a technology company? (23:45) Rather than licensing another platform, Ryan explains why Claro acquired NDVR to build proprietary technology that could fundamentally change advisor workflows. How does Claire actually help advisors day-to-day? (33:00) From meeting preparation and client follow-up to portfolio management and workflow automation, Ryan walks through how AI is saving advisors meaningful time. Will AI replace advisors—or make them better? (36:30) Ryan discusses where AI belongs, where human advice remains essential, and why he believes technology should enhance – not replace – the advisor relationship. What does the advisory firm of the future look like? (38:20) Ryan shares his long-term view of how AI, proprietary technology, and advisor expectations will reshape wealth management over the next decade. Key Takeaways Ryan believes firms that build AI into the foundation of their businesses will create greater long-term differentiation than those simply adding new software. Claro's acquisition of a fintech company reflects a strategy of owning core technology rather than relying exclusively on third-party vendors. AI is most valuable when it eliminates administrative work, allowing advisors to spend more time serving clients. Recruiting younger advisors and investing in long-term talent has become a defining part of Claro's growth strategy. Advisor autonomy, equity participation, and technology can create stronger retention than restrictive employment models. Human relationships remain central to wealth management, even as AI becomes increasingly capable. The firms that adapt fastest may be those willing to rethink their operating model—not just their technology stack. https://youtu.be/7XvSXi0PzXI Quotable Moments “I wanted to build something that was integrated instead of just layering another tool on top.” “We're trying to make really good advisors become super advisors.” “Clients still want advice from a person—but they're going to expect that person to know how to use AI.” “The firms that win won't necessarily be the ones using the most technology. They'll be the ones building differently.” FAQs Why did Claro Advisors acquire a fintech company? Ryan believed owning proprietary technology would create greater long-term differentiation than licensing another collection of third-party tools. What is Claire by Claro? Claire is Claro Advisors' AI-powered chief of staff, designed to automate advisor workflows, prepare meetings, organize client information, and streamline operational tasks. How is Claro using AI differently than many RIAs? Rather than layering AI onto multiple disconnected applications, Claro built an integrated operating platform where AI has access to the advisor's workflow, planning, portfolio, and client information. Will AI replace financial advisors? Ryan believes AI will automate much of the administrative work advisors perform today, but that clients—particularly those with more complex needs—will continue to value human advice and relationships. How does Claro recruit advisors? The firm emphasizes advisor ownership, partnership, equity participation, technology, and operational support instead of relying primarily on acquisition-based recruiting models. What does Ryan believe will differentiate advisory firms in the future? He believes proprietary technology, integrated AI, and the ability to improve advisor productivity will become increasingly important competitive advantages. Ryan believed owning proprietary technology would create greater long-term differentiation than licensing another collection of third-party tools. Claire is Claro Advisors' AI-powered chief of staff, designed to automate advisor workflows, prepare meetings, organize client information, and streamline operational tasks. Rather than layering AI onto multiple disconnected applications, Claro built an integrated operating platform where AI has access to the advisor's workflow, planning, portfolio, and client information. Ryan believes AI will automate much of the administrative work advisors perform today, but that clients—particularly those with more complex needs—will continue to value human advice and relationships. The firm emphasizes advisor ownership, partnership, equity participation, technology, and operational support instead of relying primarily on acquisition-based recruiting models. He believes proprietary technology, integrated AI, and the ability to improve advisor productivity will become increasingly important competitive advantages. Related Resources Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com Emotional Intelligence: The “Untouchable” Differentiator in an AI World Diamond Consultants Annual Advisor Transition Report Ryan BelangerChief Executive Officer & Founder Ryan founded Claro Advisors in 2012 after seven years at Morgan Stanley. He named the company after a Latin phrase “to make clear in the mind.” All Claro advisors strive to give their clients clarity and transparency, core tenants of the firm. Claro is continuously recognized within industry for its growth and thought leadership. In 2004, Ryan received a BA in Economics from The College of the Holy Cross and in 2009, he earned the Certified Financial Planner™ distinction. He is most proud of his philanthropic activity. Along with his wife Rachel, they started a foundation that raises money for genetic research in the name of their late daughter, Bella. Their focus is on extreme rare disease. Ryan resides in Boston’s Back Bay with his wife Rachel and their three children. He enjoys exercising, golfing, reading and spending time with his family. He has been featured in numerous magazines and industry publications and is regularly on television sharing his market thoughts. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… Why AI Matters Now: How a $1.5B RIA is Building the Firm of the Future A conversation with Louis Diamond and Ryan Belanger, Founder & CEO of Claro Advisors.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Why AI Matters Now: How a $1.5B RIA is Building the Firm of the Future. It’s a conversation with Ryan Belanger, the Founder and CEO of Claro Advisors. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven, and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual Advisor Transition Report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: Artificial intelligence has quickly become one of the biggest topics in wealth management in the world. Almost every firm is experimenting with new tools, looking for ways to automate tasks, improve efficiency, or help advisors serve clients more effectively. But what if AI isn’t just another technology to plug into your business? What if it becomes the foundation for how your business is built? That’s exactly why I wanted to have Ryan Belanger on the show. Ryan is the Founder and CEO of Claro Advisors, a billion and a half dollar RIA that’s taken a very different path than most firms in the industry. Rather than simply adding AI to an existing tech stack, Claro acquired a FinTech company and is building its own AI native operating system designed specifically for advisors. What’s interesting is that this isn’t really a conversation about software, it’s about strategy. Ryan has consistently gone against the grain from leaving Morgan Stanley to launch an independent firm in 2012 before it became commonplace, to recruiting younger advisors when others chased established producers, to betting that proprietary technology will become one of the biggest competitive advantages an advisory firm can have. If AI is going to reshape wealth management, and I think it will, the firms that benefit most may not be the ones using the most tools. They may be the ones rethinking how the entire business operates. Ryan shares what that looks like in practice, what he’s seeing from advisors today, and why he believes the next generation of advisory firms will look fundamentally different from the firms we’ve known over the last two decades. There’s a lot to cover, so let’s get to it. Ryan, thanks for joining us today. Ryan Belanger: Yeah, nice to see you. Louis Diamond: You too, good to see you again. For those who aren’t familiar with you and your firm Claro, why don’t you walk us through your background and how you found your way into the industry to set the table. Ryan Belanger: Yeah, sounds good. So background was after college, I got a job at Morgan Stanley. I’d done an internship while in college and that gentleman, Morgan Dewey, said you should look at the Morgan Stanley. So I applied, got a job immediately, and just a couple weeks after graduating, I began as a financial advisor in a training program at Morgan Stanley and spent a good amount of time there and was able to develop skills necessary that really I had all along just growing up, a lot of entrepreneurial spirit I think is important in this business, how to relate to people, some competitiveness. I just happened to luck out and get into a profession that rewarded some of those skill sets. Louis Diamond: I’d say it was the right choice for you. So I think you started at Morgan Stanley in 2004. You were 21, 22 years old, just cutting your teeth, but the financial crisis happens a handful of years later. So what was it like being a relative newbie and seeing client accounts falling, the world crumbling every day? What did living through that crash teach you that’s shaped how you’ve built your business or serve clients now? Ryan Belanger: I did learn a tremendous amount at Morgan Stanley and I do still tell people if they’re looking to start at a big shop with big training programs and resources and really try to figure out what you like and then you can go off and get more specialized. But I do feel like it was a great place to get trained. They would post how many cold calls we were making every day. So on the board every morning you’d walk in and say, “Okay, where did you fall?” And I’m a competitive person, and I just want to make sure I was first every single day. So it was those type of things that really propelled me to keep interested in this business but also see the benefits. It’s really hard to get clients and that’s what people underestimate the most is to build the level of trust with someone that they’ll allow you to manage their retirement nest egg is it takes time. And I was 22, I looked really young, I had no experience, but I was fortunate to have two great mentors at Morgan Stanley, a gentleman named Todd Wetzel. He was brilliant at developing relationships, really caring for people. And then the gentleman that I had done an internship with went to Morgan Stanley as well, and he allowed me to work on some small accounts and really cut my teeth with some customers. And I was very fortunate to have done that, but you’d asked about the crash, and I think what I learned from that when people were literally weeping when their account values were down by 50%, 60% was that money is really emotional, and you have to understand how much it means to people, it’s not just the number on your screen. So having some empathy towards someone who’s really in a period of distress is now a critical skill that those of us have been around for this long understand. And there’s a whole generation, Louis, of advisors that have never experienced a real bear market, and I do fear for them at some point because when you go through that, it really changes the perspective that you have. But for me, it happened, I was four or five years into the business at that point, so I’m thankful that it happened just for my own personal development and I’ll never forget it. Louis Diamond: Yeah. Things have a way of happening for a reason and then the best advisors, best humans, they learn from them, and they’re better off for it. You’re very much right. I like that perspective about how the empathy around the emotions of money was something that you still carry and wear as a badge of honor today. So you left Morgan Stanley in 2012. I think you were 30 years old I read. One, that’s very young to consider leaving a firm like that nonetheless to go independent when in 2012, it wasn’t like everyone was going independent. There weren’t as many infrastructure providers or tech vendors or as much capital available as there is today. It definitely wasn’t a path that was as well-worn as it was. So two-part question, what pushed you to leave the firm presumably without a huge book of business? And second part, how’d you think about risk and reward at that age? Ryan Belanger: Yeah, what drove me was ultimately I felt like I was not seeing the value from the firm I was at, Morgan Stanley at the time. They were just taking an exorbitant amount of the revenue I felt. And I would see product managers strolling through and going to steak dinners, and I’m thinking, geez, I’m here every night on weekends. I’m busting my butt, and I should be creating more value to myself. And so that was one kind of thing. And I think there was a right level of naivete just to think that I could pull this off. I did believe that I had a small number of clients. I was hopeful that they would come because I had to hit a minimum for the custodian platform to start the RIA, which I was able to do. But I felt that they would come with me and that I had developed enough trust with them that I could be their advisor for a long time. And so for me, it felt like the technology wasn’t great. I was just told the mother-in-law is an expression. She says to my kids sometimes, “You get what you get and you don’t get upset.” Have you heard that expression? Louis Diamond: I have. My daughter reads a book where that line is repeated frequently. Ryan Belanger: Yeah, okay. So that’s how I felt then. I was like, “This is what you have and deal with it.” And to me, it just felt like there had to be a better way, but I didn’t have any capital backing, so I bootstrapped it. I Craigslisted an office from an estate planning attorney. I cold called Fidelity at the time they were our only custodian. I called to get some compliance help and I just thought that there’d be other people that would want to join. I named the firm, it’s a Latin phrase, it’s Claro Advisors, and it means to make clear in the mind. And I felt like not only was I trying to do that for clients, but I was trying to push advisors to challenge the norms here. There are other solutions out there. So I purposefully did put my name on it, I knew that there’d be other people that might feel the same way. I’ve always been a team sport guy. I like being around other people and collaborating. And I did have a good friend and credit to him. He said, “If you put this together, I’ll come with you.” And so just a couple weeks after I did, we talked and I said, “It’s up and running.” He came and Dana was our first, he’s still with us. And then a couple of months later, another guy I used to work with called and said, “Hey, I’m at this bank, and it looks like what you’ve done is interesting.” And I said, “We like it if you’d like to give it a try.” And so he came, his name’s Mike. He’s still with us. And so teams started to get put together. But I met someone in 2014, so I was two years in at that point and I was doing legitimately everything, not only as an advisor, but just all the stuff that you have to do to run the business. And it was becoming too much, especially the compliance. And I think nowadays starting an RIA, the threshold is so much higher. That’s why you see better than anyone else. You just see a lot more tuck-ins. But Jen Street was someone that I met and she really allowed me to catapult the business and scale it, so she took over all the operations and compliance and that really freed me up to be an advisor. And I really was just an advisor moonlighting as someone running. I would recruit a little bit or just be introductions, very soft. All that has changed based on what we’ve done in the last couple of years. Louis Diamond: Amazing. So thinking about risk spectrum, obviously now if you look back and say, “Hey, I had 30 million or whatever it was, I didn’t have anything to lose.” Right? But when you’re in it and you had income, you had recurring revenue, you had a paycheck versus the dynamic of, “I’m going to incur a bunch of expenses. I’m not positive who’s going to come with me. I’m not going to have a paycheck for a period of time.” Did the fact that your business was relatively small and you were just getting up and running, do you think it made it easier for you to reconcile that risk, or in some ways it was harder because your dispersion, if someone didn’t come, was that much higher? Ryan Belanger: I think it was easier for me, I knew I could always go to another firm. They would take me and whatever clients I had. I did it at a time when I had little personal risk, no kids, no mortgage. I didn’t have a wife at that point. So for me, it felt like the right time to take a risk. And I had been entrepreneurial in my life. I mean, I had a business in high school and my parents and grandparents were entrepreneurial. So that was in me, even if I didn’t really recognize it, was that I was okay with a good level of risk. And I do say this now to anyone that I’m hoping to partner with is that if you want to bet on yourself, I’ll go all in on you too. But you’ve got to be able to take that jump. I won’t let you fail, but you’ve got to be the one. I think that inertia is what a lot of advisors are like, “Geez, I don’t know, I got to give something up.” And that’s why the data’s important and you have all the data. The clients overwhelmingly go with the advisor. These days it’s just much harder to try to establish a new relationship with a trusted advisor than it is to just DocuSign some forms and move your account somewhere. So to me, it’s just trying to support people, and really push them to the edge and say, “No, this is possible. You should definitely explore this.” And I get it’s totally different, and you might be at a different life stage, but you know the numbers. I mean, tens of thousands of advisors are moving every year and not all of them have a small book like I did when I did it. Louis Diamond: Right, exactly. On one hand, making this entrepreneurial move as early in your career as you did, it was a benefit, right? Because you didn’t have as much to lose, like you said, the stage of life you’re in allowed you to absorb more risk. On the other end of the spectrum, if someone who has a massive business with immense value, they’re well situated financially, maybe their kids are through college, et cetera. And then most people are somewhere in the middle. So it’s interesting hearing that dynamic in real time. Let’s talk about Claro today. So you launched the business, like you said, you had to work hard to meet a minimum custodial threshold. So started from a very small base in 2012, but where is it today as far as assets, team size? Just give us some stats or perspective on what you’ve built in the last decade and a half or so. Ryan Belanger: Yeah, sure. So we enjoyed a tremendous amount of organic growth, Louis. We are not capital-backed. We don’t buy books of businesses, so I would recruit or partner with advisors that were coming from all the various places that you could think of that were finding us to be a very friendly place to work where you had a high level of autonomy, freedom, control, just great economics. We stayed out of people’s ways. We were just good people trying to help other good people, and it was just that friendly environment that allowed us to grow. And of course, we can’t discount market. I think markets had a tremendous growth for everybody in the business. And so the business as it stands right now, we’re about 1.5 billion in assets, 15 to 20 advisors. We got a 40-person team based primarily at a Boston headquarter, but we have advisors all over. And I think as we’ll get to, we’ve just gone through a really exciting new chapter for us where the next 15 years are going to look a lot different than the previous 15 years. Louis Diamond: Very cool. That’s amazing, and I’m in the recruiting businesses and doing recruiting yourself, it’s not easy to tell your story, get in front of the right people, the right like-minded people too, who are willing to take the leap to you, especially if you don’t have the capital backing and you can’t pay big deals or write big checks like others could, so that’s a massive testament to you and your vision. I know the average age of an advisor at Claro is around 40, yet the average advisor in the industry is 59, 60, 61, depending upon what data source you look at. What do you think you figured out about attracting, training, and really cultivating younger advisors that the rest of the industry either gets wrong or ignores? What’s been your hack in that regard? Ryan Belanger: I’ll just take a chance on people that others might not. And typically what that really means is someone with nothing, I’ll make them a deal and I’ll say, “Look, I believe in you. I think you’d be a great advisor. Let’s work on an arrangement where you feel like you can do this and I’ll support you.” And so our specialty was growing advisors from 20 million or 30 million into hundreds of million of client assets. And some of it was just being willing to look where others wouldn’t possibly want to spend their time. But when I was 22, someone took a chance on me, and so I owe it to the next generation to do that as well because there’s some great talent out there that really just isn’t getting the attention they deserve because they don’t have big books of business yet. But one of my core values is long-term thinking, and so that’s the way I frame my decisions is it doesn’t have to be a win today, but it can be a championship tomorrow or down three or five years from now. And so that’s how I’ve positioned it. I think that’s why we tend to get younger advisors. And then what happens when you get a lot of younger advisors, you have some older advisors say, “Hey, look, that’s an attractive bench of talent. I needed a succession plan. You guys seem to have a bunch of guys and gals that know how to do really great work and serve clients.” But I think that’s probably one of the things that I just was willing to take some chances on people at an earlier stage. Louis Diamond: Yep. I love it. I mean, once again, you said in the beginning, you developed an empathy for the emotional side of money and what people were going through that you carry through to this day. So not losing touch with the fact that you started. I mean, everyone starts in this business at some time, but I feel like once you’re successful or you’re through the first few years, you forget what it was like to be a newbie. So keeping that perspective and appreciation for the mentors you had, et cetera, is great. And honestly, from a business building standpoint, to me in this environment, unless you take on private equity capital, or you have capital from a BD or from a wirehouse behind you for recruiting, it’s really hard to win advisors with large books of business. So going in the blue part of the ocean instead of the red ocean, if anyone’s read that book, is very smart, looking under rocks that others don’t or really buying into or leaning into folks that you see something in that you know you can cultivate is a brilliant way. And it’s honestly more scalable, cheaper, you build a better business as well doing it the way that you do, but still, it’s hard. And my guess is the ROI is shorter. I’m sure you’ve made some hires that don’t pan out. So you have to have the tolerance and the demeanor to really invest in people. So long-winded way to say I love what you’re doing. How much of your recruitment of advisors and the retention of that talent as they become successful would you tie to how you compensate them, or equity if that’s available versus the culture of the firm and the mentorship that you and your team provide? Ryan Belanger: Yeah, I mean I’ll speak to what we’re offering now just because that’s more relevant, and so we are positioning ourselves now as the best home for advisors in the country and we really believe that’s the case, but our problem is we’re just a secret. We’ve just come to the market after our deal and all the technology that I know we’ll talk about. So we’re now marketing this message to advisors that want to partner with us. Economics will help them grow. We have a really interesting growth program. We’ll give them equity and Claro. I firmly believe that we should tie each other, just get in the same boat, so to speak. So our success is their success, but allowing them to operate in a 1099 model, which I know is not a popular strategy. I know everyone wants to buy books and own the assets and own the clients, but I feel there’s a tremendous amount of advisors that do not that probably should not be monetizing their businesses so quickly. And so I’m trying to foster a home for those like-minded advisors that want the autonomy to own their clients, maybe even still have a brand, but partner with a firm that’s got really credible technology, just unbelievable back office support and a firm of the future so that they can grow at 10X to what they could have on their own and then they could monetize. That’s what we’ve tried to put together here with our partnership model. Louis Diamond: Love it. Yeah, I mean it is definitely going against the grain a little bit, leaning into growing a 1099 model versus more of an acquisition model where everyone coming over as W-2s. So do you think about those trade-offs when it comes time to raising capital down the line or if you want to sell the business or even just an advisor wants to leave, that would stink if that happened. How do you think about those trade-offs? The ability to let advisors keep control and ownership. And honestly, in my view, probably win many people that you wouldn’t otherwise versus the stickiness, and the enterprise building abilities of owning the books of business. Ryan Belanger: Yeah, it’s a paradox because I understand why you want to own the client, but that’s a different business model. And frankly, I think it attracts different type of people. I had to really look myself in the mirror a couple years ago. We had enjoyed a tremendous amount of success, high growth and all organic, growing at 30% more per year on a CAGR basis. Nothing could stop us. But what happened was when private equity entered the space, everyone wanted to buy Claro. And to me, it didn’t feel like I did a lot of due diligence. I talked to a lot of firms. I didn’t see any differentiation in the market, Louis. To me from a technology perspective, everyone was doing the same thing. They’re using six to 12 different tools. We all know who they are. And now there’s a bunch of AI tools they’re layering on. And to me, it just didn’t feel like that was going to be any… There was no differentiation in the market. But admittedly, I had a couple of friends who I’d brought in at very low levels of AUMB that wanted to leave. And they said, “Look, I want to go to a firm that has more resources.” And so I had to just make a business decision and say, “Where do I want to take this?” And so it was only after some real adversity because you get emotionally attached to these people that you’ve developed friendships with and they still are friends, no doubt, but they can leave and they’re not captive. So we have to plan for that at Claro now, and I think we’ve got two ways that we’ve done that where it really ties the advisors to us, but in a way where they want to be here because we have something that’s really different. Louis Diamond: I like it. I’m sure we’ll get into that. But before we do, we’ll get into what you’re doing on the technology side, which is very cool and unique. How do you balance being an advisor and being a CEO? And what percentage of your time is advisor versus CEO and has that fluctuated or changed over time? Ryan Belanger: Drastically changed in the last year, two years or so. So the first 10, 12 years, I was really an advisor first and foremost. That’s inverse at this point, I’m strictly running the business. I have a great team here that deals with our clients, and I’ll still attend the client meetings and such, but I’m really laser-focused on running the business, trying to develop new partnerships with advisors, running an engineering team, sales and marketing. So the change for me has definitely occurred, and I’ll miss not keeping up with planning as much. I’m a CFP, but I just recognized that for me, I had to make a clear change and commit all my time to running the business, and so that’s the decision that I’ve made. Louis Diamond: It is a hard balance. I mean, there’s some people that try to do both, run a business, be an advisor, be a rainmaker, and something breaks. You’re not able to give all yourself to one thing. Then there’s others that would much prefer to be an advisor over a business owner. Others who say, “I’m over being an advisor. I want to be a business owner.” So I think the cool thing about doing what you’ve done is you get to choose, right? Some of it might be circumstances, but you really got to decide which elements of the business you personally want to invest your time in. And you really push your chips in the middle of the table. So let’s get into what you did in November of 2025. I read that you acquired a tech company of all things called NDVR. I’ve done this podcast for a while, speak to a ton of people. I can’t really think of anyone, any advisor or RIA that’s actually bought a tech company. So what made you puck the trend, buy a tech company and not just license all the FinTech that’s available today? Ryan Belanger: Yeah, that was the decision I had to make was do I really want to be different, or do I want to just say that I’m different? And so I was fortunate enough to get introduced to a gentleman named Michael Simon about 18 months ago, two years ago. And him and I immediately could see that we were both trying to solve the same problem, and we had perfectly mirrored image skills of one another so I had this deep wealth experience and he had a deep tech experience. And sometimes it’s just about timing in life, about catching someone at the right time. And I think we each caught each other at a really good time where we could see that coming together, we could create something really magical. And this AI wave was cresting. And I could see when I was talking to all the national PE firms or RIA firms about what people wanted to do, no one had quite figured out how AI was going to come into the technology mix, and it appears as though it’s just going to be another add-on tool to everything else. And for me, I wanted to try to build something that was integrated an all- in-one platform for an advisor so they didn’t have to use a ton of different tools. And I thought if you could do that, couldn’t you have AI that’s really much more rich and purposeful to help the clients? And so I felt like here’s an opportunity to elevate financial advice throughout the country, really give the clients all the value. And so what we’ve built allows advisors who are really good advisors to become super advisors because they’ve got this technology cape that no one else has that is allowing them to save a bunch of time and do all these really cool things for their clients. But it just felt like right time, right place. I’d been through a little bit of adversity and I felt like taking another swing just like I did 15 years ago going for it. I’ve really never been averse to risk, and so this felt like it was too good to pass up and so we went for it. Louis Diamond: Interesting. So that makes sense on the build or acquire versus rent dynamic, wanting to own the IP that makes you actually different. What does NDVR actually do? Ryan Belanger: Yeah, so everything’s all integrated. So we’ve kept the Claro Advisors name. We feel like clients really want to know that they’re still getting a person to deliver the advice. And so having the advisor’s name in our brand is important, but we have a Claro Intelligent Hub, and that’s where it’s an AI native operating system for the advisors. They spend their entire day in there, Louis. So they’re not toggling between 10 different Chrome tasks to perform all their business. And so what that allows them to do is not only it’s CRM, calendar, contacts, emails, messages, but we also have all the portfolio information. So trading history and we can do tax loss harvesting and factor-based investing. So we’ve got institutional grade portfolio management, and that’s really what Endeavor had created through their R&D was the hyper-personalized portfolios where you have a customer’s financial plan directly tied to their account. So there’s never any de-linking between the two. It’s really sophisticated technology that we can provide to our clients. So that’s all integrated as well. And so we’ve since continued to build the build upon that layer of integrated proprietary technology. Louis Diamond: It’s very interesting. And we have to imagine part of you maybe now or in the future is, okay, we’ve built this amazing technology mousetrap for our advisors, but do we become a FinTech? Is there any thought of eventually licensing what Endeavor is doing for your business and your clients to other RIAs? How do you think about that dynamic of just building something unique and different for Claro that advisors can latch onto versus making what you and your partners have developed into something that someone else can take and license themselves? Ryan Belanger: Yeah, it’s a fair question. We get it a good amount. While there might be a possibility that we license this to some other businesses, our main goal right now is to keep it captive to RIAs that want to partner with Claro. And so we feel like this gives them a true level of differentiation in the market, and so that’s the approach that we’re taking right now. Being a FinTech company, there’s a lot of different skills. The setup and tear down of getting someone to use the platform and I think all that time and resources we want on sales and marketing to try to attract new advisors and continue to develop just jaw-dropping technology for the existing advisors. Louis Diamond: Very cool. Let’s talk a little bit about your partnership model. So it does sound unique in that you have people that are 1099, but you don’t usually also hear partner. So how does it work? Ryan Belanger: Yeah, so we’re offering advisors to come and use Claro as a back office so you can have your own brand if you want or you can just be a Claro advisor. We have both here and you’ll be a 1099 advisor so you’ll still own the business that you’ve owned. So if you were at a wirehouse or something, you would actually now be creating some enterprise value for yourself. But if you’re an existing REA, you’d be coming to us because you’re tired of doing tech vendor due diligence all the time or you’re tired of the compliance, the AI regulations. That’s just coming. So that’s going to be a huge challenge for REAs, so we’re seeing a lot of interest from REAs saying, “Look, you’re not asking me to give up really anything except the stuff that I hate to do anyway, so this sounds great.” So they partner with us. In return, they get all access to our technology And we’ll provide all the back office support, office space, dedicated resources, planning, everything you could want to have to operate a business. We do have a growth program that’s really interesting. And then we’ve got this equity in Claro. As you’re a partner with Claro, you should get equity so we give stock options to our advisors who are here and every year thereafter. And naturally, that’s a way to stay connected with the advisor. So hopefully they never want to leave, and I do believe that once you experience our technology, you never want to go back to trying to do it the way you were doing it before. Louis Diamond: It’s like instead of building the most enclosed box that you keep people in with sticks and with locks and keys like a lot of firms do, it’s we’re going to keep advisors here, but not by force, but because they have the stock options, because you’re delivering value, because they have this amazing technology. To me, that’s the dynamic that so many firms across the industry get wrong is that they try to keep advisors where they are by restrictive covenants and by fear, and by retribution rather than if we just do good work for people, we add value, we make ourselves indispensable to the advisor. To me, it creates a healthier dynamic. I think firms would actually retain more even if it’s a gentler approach. And I love what you’re doing there. I think it’s the exact right way to think about we have advisors that are 1099, so yeah, they could leave us, but we’re doing things that make it that they don’t want to leave us. And that’s your charge as the owner to create the infrastructure and the structure where people could go out on their own, but there isn’t an advantage to do so. Ryan Belanger: Yeah, I think the culture is a big thing for us. And if you have people here that don’t want to be here, that’s a problem. And I think that’s what you see in a lot of the wirehouses. Frankly, they scare people and they don’t. It’s like, oh my God, if I leave. And for us, it’s like personally, life is too short. I want to work with people that want to work with me. I’ve got other things going on in my life and these things are just work things. And so I want to enjoy being in the office every day with people that want to be here. And if you think you’ve found a different place, you should go explore that. It’s really a soft approach. I know it’s not the most popular approach, but that’s just the style that I have. Louis Diamond: Yeah. I mean, it sounds like the trend in your career and in launching Claro was we’re going to do things that aren’t popular, but that work for us, like hiring younger advisors that may not have a book or have a small book, buying a tech company instead of licensing it, being 1099 when you’re recruiting instead of owning books of business. There’s a series of decisions you’ve made as the business owner that they’ve worked out, they’ve paid off, but they’re definitely against the grain. And I very much respect that. Ryan Belanger: I really have never been afraid to be a little different, and so I think typically you find other people that might be interested, but it’s a big pool out there. There’s 300,000 advisors so there’s something for everyone, which is awesome. Louis Diamond: Totally agree. Let’s get back to the AI platform that you’ve built, or that you’re building. Maybe give a real tangible example. If I’m a Claro advisor, how has my life changed now that I’m using this platform versus before? So the old model was I log in, like you said, to 10 different Chrome tabs. I’m meeting with clients, doing planning, et cetera. What is the day in the life? How does it look different from what an advisor’s actually doing today versus before this platform was rolled out? Ryan Belanger: Yeah. All right. I’ll just give you a couple examples. So a client will send you a request and say, “Louis, I need $25,000.” And so a typical advisor would either write a note down, go drop it off at the CSA’s desk, or maybe forward that email to the CSA and then that person would have to input it into their CRM, and they go perform the task. And then the advisor would want to know where things are in that process so that there’s a lot of back and forth. With our system, Claire, our intelligent chief of staff, AI chief of staff, you just forward that task to tasks@claroadvisors.com. It recognizes the email address that the client is emailing from, it knows the account number. It talks to our portfolio engineer. It knows which account to raise the cash from because it knows the tax jurisdiction, and otherwise, and it performs the task. And the last push of a button is that CSA just moving money from the custodian. So all along the way, the advisor can check on the task and see where it is in the process. It’s beautifully integrated in the intelligent hub, but you could see how that would save a tremendous amount of time and it’s a better customer experience. The mistakes get limited. So it really allows the advisor to get things done at a much higher level. So we’re raising productivity quite a bit. First of all, she’ll establish your meetings, Claire will. So she’ll schedule them for you. She’ll prep them for you. So we have a button, say prep the meeting because we have all the notes, emails. If you’re texting portfolio data, because she has all that information in about 30 to 45 seconds, she’s going to present to the advisor a really nice meeting summary that, “Hey, here’s the things that we should talk about.” She’s going to surface things that the advisor’s forgotten about because she doesn’t forget things. And so she’s prepped the meeting for you, so you’ve saved a couple hours there. She joins the meeting, she takes all of your notes, stores them in the system. She’ll give you a follow-up email. She knows your writing style, so she’ll know that you like to call this client this, and you send these emails typically at this time. And so she’ll deliver a nice follow-up email instantly for the advisor. They click that button, that’s done. So there’s just a lot of things that where she’s efficiency-wise where on 20, 30 hours a week that we’re saving advisors just on the productivity tools alone, so that’s where we’re seeing advisors seeing a ton of value in this. Louis Diamond: It’s very cool. Ryan Belanger: And then there’s a whole portfolio management capabilities, sweeping idle cash and tax loss harvesting and rebalancing that gets done while advisors are having a cup of coffee. They don’t have to think about these things. It just gets done for them. Louis Diamond: It’s so cool because it’s like I think I can conceptualize or think of building in Claude any one of those functionalities for the most part, but the way that the flow of things works and the journey of it is unique. I think every advisor would be interested in that type of promise of saving that much time. So how do you think now in the future, how do you think about the human advisor interaction, and what the human and the advisor will do versus what can be offloaded to AI? Ryan Belanger: Yeah, certainly a lot of the non-client-facing activity can be unloaded and that’s where advisors spend, according to recent studies, almost 60% of their time non-client-facing. So we’re trying to take all that off of their plates for them. We strongly believe clients still want the message to come from a person that has a level of experience and understands them. But at the same point, I think there’s a growing curiosity about, geez, what could it do for me? And so shouldn’t my advisor know how to use it? And so I think you’re seeing a lot of advisors put their head in the sand and say, “I don’t know. I’m just going to hope people don’t really want to use this and adopt it.” They’re a little bit shortsighted there. Our bet is that clients are going to want an advisor that knows how to use tech, has really sophisticated tech, but it isn’t just another tool layered on top that now my data is in that tool. The reason our system is so beautiful and integrated is because it captures everything in a structured and secure way. So all of the compliance is in there. We whitewash all the PII that’s sensitive information, so we’re not layering another tool on, because it’s integrated, we have an AI governance committee that really takes it seriously. How are we using this information? And so we’ve got an approach and we’ve put guardrails around what it can do and what it can’t do. Might there be a generation, Louis, that wants an AI advisor? I don’t know, that could happen. A twin, a digital twin where you say, “Look, I want to talk to Louis.” It’s 10 o’clock at night. He might be in a different time zone than me. He’s got little kids, but I do have this question. And so we’re iterating ideas on how we can surface that for an advisor to be advisable 24/7 without actually having to be available 24/7. Louis Diamond: Seven. It’s amazing to think about. I mean, obviously you’re deeply in this. You have a front row seat into the power of AI, how it’s transforming your business, doing due diligence on acquiring this technology five years from now, 10 years from now, what does the industry look like as a result of AI? What’s your big bet? Ryan Belanger: A lot of the big firms are going to try to figure out how to layer in tech. It’s going to be very difficult to do that. It’s built on extremely old legacy technology. They’ll be slow. They’ll figure out how to do some things. What we’re already seeing from advisors is the wow factor. Wow, I didn’t know this was even possible, and so I think just given our size and where we are, we have an advantage that we can build things from the ground up very quickly. I mean, what used to take an engineer a couple of months or years can be done in a couple of days or weeks, so things have really sped up in terms of the development. It’s much easier to build it than buy it. And so I think you’ll see a lot of firms trying to do what we’ve done, really build proprietary technology. And I think there’ll be a few winners that are able to do that, but being tech forward and aligned with someone who’s thinking about it, I think is what a lot of advisors are going to want to be. That’s the type of firm people would want to partner with, I think. Louis Diamond: What about the dynamic of, like you said, the digital twin thing is equal parts cool as it is terrifying, how do you see, we’ll say the threat of AI impacting the profession of being a financial advisor? Do you look at it as the entire pie is going to grow because everyone’s more efficient? Or do you look at it as it’s going to take out a lot of the advisor capacity we have because it’s no longer necessary? Where do you fall on that spectrum? Ryan Belanger: So robo-advisors came and went, you remember those. I mean, not that they went, but they never took off the way that it was projected. They’re still great businesses, but the human advisor won that battle. Clients do want an advisor, particularly at the higher end, and so I think at the lower end of the market, you’re going to see some AI solutions where people are perfectly comfortable just talking to someone in AI, and they’ll figure out if there’s a hallucinization or not. But I think there’s definitely going to be a market for it, and so I think it just depends on where the clients are and what level of complexity they have. On the higher end, I do feel like the advisors will continue to have a huge advantage there. But we’re building tools to give optionality to advisors. There might be some advisors who say, “Look, I’ll charge half the fee that I used to charge so you can get my digital twin. And that’s a win-win situation for everybody.” Louis Diamond: Yep, that’s fair. So do you look at your competitive ecosystem now? Not for recruiting advisors, let’s say for winning clients. Do you look at Farther and Savvy and different AI or FinTechs as your competition or do you still look at it as the wirehouses and other traditional RIAs? Ryan Belanger: I mean, Farther and Savvy have done a great job of going after this market. I think we’re not as well known yet as they are. We’ve certainly built out what we think is tremendous technology second to none. There’s a huge market of the IBD space that is just these guys and gals are stuck on these old platforms and things are okay, but they’re not super compelled to switch until maybe they see something like this, and so we have a massive pipeline of advisors and I’ve been recruiting for a long time. I’ve never had a pipeline like this. So I know it feels different to me. People really are interested in this. It’s enough for them to want to see tech demos and come visit us and really understand, okay, this is a firm that is challenging what’s possible and that’s someone that maybe I want to be aligned with, and so I think that there’s a lot of places where we can get the talent. And so for us, it’s just trying to find the right people that we want to partner with for the long term. Louis Diamond: Very cool, I got two more questions for you. It’s pretty remarkable that to get from where you started to now, the recruiting you’ve done, buying a FinTech, integrating it, that you still don’t have private equity investor outside capital. So you think it’s on the roadmap, whether it’s a certain size or you’re looking for personal liquidity where the business will just need it because it’s expensive to operate a FinTech platform and to scale up and to keep growing the firm. Do you think there’s a world in which you take on external capital to fuel your growth? Ryan Belanger: Most certainly. I mean, things have developed for us very quickly here, and outside capital and venture particular is a space that we’re actively in discussions with firms that believe in our vision, understand the value that we can create, and there’s just no doubt that you have to have some wind at your back to get to the market, and so while we’re not a household name right now, I’m confident in two years we will be, and our plan is to grow to hundreds and thousands of advisors across the country. Louis Diamond: Wow, big vision, but I love it. Last question for you. If you were 30 years old again, which I think everyone would kill for that opportunity, leaving Morgan Stanley today instead of in 2012, what do you think you would do differently knowing what you know now? Ryan Belanger: At that point, interest rates were near zero, Louis. Valuations you remember were two to three times revenue. It felt expensive then. Obviously things have changed quite a bit. So I would’ve begged, borrowed, and stole all the money I could from friends and family and said, “I need to buy as many businesses as I could at two times, three times revenue and pay, I don’t know, 3% loan.” Just in hindsight, that’s what everyone should have done. That’s not the path that we chose, but I think there’s a huge opportunity in front of us to elevate financial advice across the country, make really good advisors even better by putting that super cape on them. And so we’re very excited about the future, what we’ve got in store, and what we’re going to deliver to the market. And it seems like just yesterday that I walked out of Morgan Stanley with very little assets and tried to start this RIA, but I’m very thankful for all the people that have been supporting me throughout this journey. Louis Diamond: Amazing. And that’s a great spot to end, but let me ask the inverse of that question. Let’s say you leave in 2026, so leave today, you’re 30 years old, but you have the benefit of hindsight. You know what you know now. What would you do differently around the transition or building the firm other than of course be amazing if you can buy businesses for a fraction of what they cost today? Ryan Belanger: I would want to make sure that I’ve got an integrated solution. I don’t want to be picking a bunch of different vendor tools. I know that’s going to become way too time-consuming for me. So I would really try to figure out how you can get something that’s integrated that can scale, but I wouldn’t change anything about the people. I think you got to be able to connect with people that are like-minded and you still take the risk. What I can’t believe, Louis, is that people that sit at the wirehouses take a home team discount and they’re so fearful of leaving Morgan Stanley or Merrill Lynch or UBS, but why are they taking that? The market says you should be paid double what you paid. And it’s not just like that’s 20, 30 years of data here that show that. And so I just would keep pushing people to bet on yourself. Your clients will come with you. Yes, that firm that you love will be the first ones to try to steal your clients. They’re going to call them, and that’s one way, loyalty. Another thing I don’t understand, but that’s the way the business is structured. I think there’s a huge opportunity to just educate advisors about what’s out there and I would take the risk. Louis Diamond: Love it. Ryan, this has been very fun. What you’ve accomplished, like I said earlier, gone against the grain at every turn. Leaving on the younger side without a huge business, buying and integrating a technology company, recruiting younger advisors without books of business. Every single thing you’ve done has been a different playbook. So I’m pumped to watch how we make Claro a household name and how this approach is going to pay off in spade. So I appreciate hearing this different perspective, and I know our listeners did as well, so much appreciated today. Ryan Belanger: Well, thanks for having me on. I know it’s a long time coming. Thanks for your patience. I wanted to make sure we had something really exciting to talk about when we finally did this, and hopefully I can come back in a couple years and catch up. And congratulations on everything you guys have built. You guys are just a premier name out there, and it’s been fun to watch your success as well. Louis Diamond: Thank you, Ryan, I appreciate it. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibilities seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay or Should I Go? is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. Why AI Matters Now: How a $1.5B RIA is Building the Firm of the Future A conversation with Louis Diamond and Ryan Belanger, Founder & CEO of Claro Advisors.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Why AI Matters Now: How a $1.5B RIA is Building the Firm of the Future. It’s a conversation with Ryan Belanger, the Founder and CEO of Claro Advisors. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven, and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual Advisor Transition Report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: Artificial intelligence has quickly become one of the biggest topics in wealth management in the world. Almost every firm is experimenting with new tools, looking for ways to automate tasks, improve efficiency, or help advisors serve clients more effectively. But what if AI isn’t just another technology to plug into your business? What if it becomes the foundation for how your business is built? That’s exactly why I wanted to have Ryan Belanger on the show. Ryan is the Founder and CEO of Claro Advisors, a billion and a half dollar RIA that’s taken a very different path than most firms in the industry. Rather than simply adding AI to an existing tech stack, Claro acquired a FinTech company and is building its own AI native operating system designed specifically for advisors. What’s interesting is that this isn’t really a conversation about software, it’s about strategy. Ryan has consistently gone against the grain from leaving Morgan Stanley to launch an independent firm in 2012 before it became commonplace, to recruiting younger advisors when others chased established producers, to betting that proprietary technology will b

Nous voilà de retour pour vous proposer une nouvelle émission du notre format On Screen ! Et cette fois-ci il ne sera pas question de super-héros, mais bel et bien d'une adaptation d'une bande dessinée indépendante (un roman graphique, même), fait en film d'animation, et par un studio français qui plus est ! Il s'agit bien de In Waves, adaptation de la superbe bande dessinée de AJ Dungo, qui nous est sortie au cinéma cet été (et que vous pouvez toujours aller voir parce qu'il n'y a pas que Spider-Man dans la vie !). Alors, parlons-en un peu voulez-vous !De la BD à l'animation : In Waves, le débrief en podcastPour cette émission sur In Waves, nous avons le plaisir d'avoir avec nous des mordus - et même une professionnelle - de l'animation. Nous accueillons en effet pour la première fois Lucia Alessandri, qui travaille dans l'anim' et dont le regard est forcément on ne peut plus intéressant au vu de son métier (et on a hâte de découvrir son travail sur le film Le Corset plus tard dans l'année), en compagnie de l'ami auteur Yoann Kavège, et du bon Marc Loos de Cloneweb, qu'on avait pas eu le plaisir d'avoir avec nous sur le podcast depuis notre thématique sur Les Maîtres de l'Univers.Et vous pouvez découvrir In Waves, la BD, à ce lien !Une belle équipée pour parler d'animation, de la bande dessinée In Waves et discuter des choix qui ont été faits pour cette transposition en film. On espère que le podcast vous plaira et on vous invite à le partager, en discuter sur notre Discord ou encore à nous soutenir sur Tipee pour qu'on puisse continuer à vous produire plein d'émissions !Soutenez First Print - Votre podcast comics (& BD) préféré sur TipeeeHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

durée : 00:37:25 - Les émissions culturelles de France Culture - par : Aliette Hovine - Guillaume Singelin publie avec le scénariste Mathieu Bablet le tome 2 de la série "Shin Zero", chroniques d'un monde où les super héros ont été uberisés. Anne Masse présente quant à lui "Asphalte Sauvage", une histoire d'amitié sur fond de road-trip post-apocalyptique. - équipe : Alexandre Fougeron, Anne-Toscane Viudes, Théa Corler, Alice Puydebois, Louan Chailleux - invités : Guillaume Singelin Dessinateur de BD, illustrateur de jeux vidéo et co-directeur du studio Label 619, Anne Masse Illustrateur de BD Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

- Hôm nay, Quốc hội thảo luận sửa Luật Đầu tư, tiếp tục cắt giảm ngành nghề kinh doanh có điều kiện.- Thanh tra Chính phủ đề nghị Bộ Dân tộc và Tôn giáo xử lý phần diện tích làm việc vượt tiêu chuẩn, định mức tại các cơ sở ở Hà Nội, Đắk Lắk và Cần Thơ.- Sáng nay, Bộ Giáo dục và Đào tạo công bố phương án xử lý đối với thí sinh tại điểm thi Trường Trung học phổ thông chuyên Tuyên Quang, liên quan vụ gian lận nghiêm trọng trong Kỳ thi tốt nghiệp Trung học phổ thông vừa qua.- Chỉ số sản xuất công nghiệp 7 tháng qua tăng 11,4%, mức cao nhất trong nhiều năm nhưng nhập siêu 7 tháng cũng lên tới hơn 20 tỷ USD. Giải bài toán nhập siêu trong bối cảnh công nghiệp tăng trưởng cao đang trở thành yêu cầu cấp thiết.- Mỹ có thể gần cạn kiệt tên lửa chính xác tầm xa do cuộc chiến với Iran.- AI có thể giúp các nền kinh tế đang phát triển đạt tốc độ tăng trưởng nhanh gấp 10 lần

Max Learmonth was a professional rugby player who fell into recruitment by accident. He answered one trainee ad at Robert Half, started two weeks later, and never looked back.He climbed fast. £180,000 in his first year, £300,000 in his second, then off the tools rebuilding offices for a global giant. But somewhere in the grind, he lost himself. 'I'd become an arsehole,' he says. 'A typical Wolf of Wall Street recruitment dickhead. All I cared about was what my P&L looked like.'In May 2023, with a young daughter at home, he finally made the move and started again from his kitchen table. He turned down over £500,000 of investment to keep it 100% his. The plan was narrow on purpose: finance and accounting recruitment in the North West, and nothing else.Three years on, Forge Talent is a team of 16 that did £2.4 million in net fee income last year, entirely bootstrapped, built on a single stubborn belief: relationships, not transactions.On this episode of The RAG Podcast, Max breaks down exactly how he did it, the one KPI his whole business runs on each week, and why he thinks the average recruiter is finished while the specialist is only getting started.Max is not building the biggest recruitment business in the country. He is building the most dominant finance and accounting firm the North West has ever seen, and he already has a date on the exit.The difference is that he is doing it in the open, on his own terms, with a team of 16 who all know exactly what the 10-year goal is.If you have ever wondered whether going smaller and more specific is actually the smartest way to grow in the age of AI, this episode is evidence of that idea working right now.The Season 9 finale with Max Learmonth of Forge Talent is available now.----------------------------------------------Episode Sponsor: AtlasAdmin is a massive waste of time. That's why there's Atlas, a CRM that actually understands context.Atlas captures everything you say, hear, read and write. Every interview, every client call, every LinkedIn message, email and WhatsApp, automatically. Not because you typed it up, but because Atlas was listening. Then it goes one step further and tells you the next action to take.So when you need to fill a role, People Search ranks your best candidates and tells you why, no digging required. That same memory turns your BD into a shortlist of exactly who to chase and why, so you win more clients. And when you want to see your pipeline, you just speak to your dashboards and Atlas builds the view for you in real time, tracking only what you care about.Whether you place permanent or contract, Atlas covers both. Its Contract Suite means you never chase a timesheet again, with live margin visibility across every placement. And with its new MCP and API, Atlas plugs straight into your LLMs and the rest of your stack, so the low-value admin that keeps you from billing gets done for you.This is not theory. Atlas customers are seeing 50% higher candidate response rates, a 35% increase in new clients won, 15+ hours saved every week, and monthly billings jumping by 85%. Some agencies are hitting 130% of their annual revenue target after building their business around Atlas.So if you're thinking you need to bolt AI onto your CRM, don't bother. Take a look at Atlas instead.Head to https://recruitwithatlas.com/therag/ to find out more.----------------------------------------------Episode Sponsor: HoxoEvery recruitment founder is investing in LinkedIn, but AI has turned templated posts and outreach into a commodity. When everyone sounds the same, the market stops listening. The recruiters winning now are the ones the market trusts.At Hoxo we help recruitment founders become the most influential name in their niche, using AI to multiply output while trust stays the product. Our clients turn their existing networks into £100K to £300K in new billings within months. Watch the free RAG listener training to see how: https://hubs.ly/Q03lBpYC0

L'émission Front Page est une revue d'actualité qui s'intéresse à tout ce qui touche le monde de la bande dessinée américaine (comics) du côté des Etats-Unis comme de la France, ainsi qu'à ses adaptations tous médias confondus. Le podcast est une série régulière chez First Print et revient au rythme de trois épisodes par mois, hors contenus spéciaux. Ce Front Page est le dernier podcast consacré à l'actualité comics du mois de juillet 2026.REJOIGNEZ NOUS SUR DISCORD !!Le podcast est sponsorisé par Pulps et on vous propose un "Focus Pulps" chaque mois ! Découvrez une sélection de comics VO à prix de lancement !Le Focus Pulp's d'août 2026 : The Demon / Satanic Panic / Jonah HexLe ProgrammeCOMICS - 04:42Des tournées de dédicace fin septembre pour Matteo Scalera et Sean MurphyAdi Granov présent à Molsheim en août 2026 ! (en fait non :s)FOCUS PULP'S : The Demon / Satanic Panic / Jonah Hex - 16:06IDW relance deux des titres de son univers partagé Godzilla - 33:20Titan Comics va relancer Dejah Toris, John Carter et TarzanDavid Lapham revient chez Bad Idea avec The DetectiveUne nouvelle série Spider-Woman par Dan Watters chez MarvelTV - 52:30Wonder Man est finalement annulée, pas de saison 2 au programmeLa série Booster Gold de DC Studios repart à zéroCINEMA - 1:24:00Samara Weaving sera Emma Frost pour les X-Men de Jake SchreierQuand aura lieu le procès Paramount/Warner vs les états démocrates ?Un énorme démarrage pour Spider-Man : Brand New Day au cinémaSoutenez First Print - Podcast Comics de Référence sur TipeeeHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Un été sans interview ? Ce ne serait pas un été sur First Print ! Même si nos derniers SuperFriends datent du mois de juin dernier, nous n'avons pas chômé en juillet, en allant guetter la moindre venue d'un artiste sous nos latitudes, quand nous en avions la possibilité. On a loupé de peu Stipan Morian (mais ce n'est que partie remise), mais Paolo Rivera était de passage chez Album Comics et nous avons profité de cette occasion pour aller à sa rencontre !Paolo Rivera est sur First Print !Paolo Rivera le dit lui-même dès le début de l'interview : il a passé beaucoup de temps récemment en dehors des comics et a bien l'intention d'y revenir prochainement. On a donc anglé notre discussion sur un aspect assez global de sa carrière, en passant par la bande dessinée, mais aussi ses travaux récents pour les séries animées de Marvel comme Your Friendly Neighborhood Spider-Man et même ses illustrations pour les sets Marvel du jeu Magic The Gathering. Ce qui donne mine de rien pas mal à discuter !!Si vous appréciez notre travail alors la meilleure chose que vous puissiez faire pour nous est de le faire savoir ! En partageant l'interview autour de vous, en parlant du podcast à vos potes, à votre libraire, à n'importe qui, en rejoignant notre Discord et en nous soutenant via notre Tipeee ! Merci à toutes et tous de votre écoute et à bientôt pour le prochain podcast !Soutenez First Print - Votre podcast comics (& BD) préféré sur TipeeeHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

拥有多年潮流服装从业经验的囍子做客节目，从海外行业壁垒聊到国内职场沉浮，再到实体创业的血泪教训。东北出身的他远赴美国求学定居，坐过兰博基尼的副驾，也体验过被警察拿枪顶住后脑勺的绝望。被美国职场边缘化后，他毅然回国，本以为能大展拳脚，却接连遭遇项目解散、老板一夜改赛道、内部派系斗争被裁员。不甘心的他转身创业，开设计工作室、投资瑜伽馆、理发店、做帽子品牌，结果全线亏损。如今40岁重返职场，猎头一句“履历太跳”让他卡在高不成低不就的尴尬关口，满是中年人的无奈与心酸，而划水怪又是怎么看待这场“危机”的呢？更多精彩内容，欢迎收听本期节目~主播 / 相征 嘉宾 / 囍子音频后期 / 陆凯BBBBUDDHA音频上传 / 恬恬-本节目由深夜谈谈 Midnight Network出品 -Timeline00:04:03 加入美国国籍经历 00:09:20 兰博基尼之“速度与激情”00:24:38 美国经济现状00:38:27 波特兰、纽约之行00:46:33 美国生活成本激增！00:49:52 小费的委屈00:52:03 斩杀线与华人消费观念的差异 01:00:39 移民设计师的职场挑战01:03:55 刚加入就散了？！01:15:17 职场派系斗争导致高级总监被裁 01:26:46 商学院学习之旅01:34:40 于是开始创业了！01:43:03 有故事的拉面店主01:50:03 40岁后职业选择难题 01:59:24 JAY-Z,Linkin Park - Points of Authority / 99 Problems / One Step Closer恰逢周年，大内十三周年限定主题周边正式上线。在香港的俚语里，“My Cup Of Tea”代表合心我意、投缘，于是我们将Tea替换成T恤的缩写Tee，于是就有了“MY CUP OF TEE 係我杯茶”的周年主题。而本次周边分为是定制马克杯、主题T恤两款单品，也推出了成套纪念礼盒（礼盒附赠随机主播签名嗷）～藏式金刚断烦恼，紫檀咒珠守心安。二十八宿催红鸾，甲子莲蓬伴流年。大内上新四款手串，愿你遇事不慌，少些内耗，遇见真心，白首不离。微信搜索小程序“大内夜市”，把祝福戴在腕间，日子自有光亮。奔赴天山下的阿拉木图，给自己放个假！Gorillaz、Jack White 等传奇乐队轮番开唱。划水怪&miya带队大内专属小团，雪山峡谷、实弹射击、湖畔晚餐尽收眼底。2026.08.20-08.25​，诚邀你用旷野与音乐清空焦虑，共赴一场线下出逃，重置紧绷一整年的身心。​微信搜索小程序“大内夜市”，即可报名～​深夜谈谈招聘啦，本次开放岗位全职：1、视频编导（北京/上海） 2、商务BD&AE （上海）感兴趣的朋友们请发送求职信+简历+个人作品请发送至邮箱jobs@midnightalks.com-你还可以在这里找到我们：小红书：@深夜谈谈、@相征terry、 @miyaB站：@大内密谈midnightalks视频号&抖音：@深夜谈谈微博：@大内密谈微信公众号：大内密谈商务合作邮箱：biz@midnightalks.com加听众群：加深夜谈谈子微信（微信号:SYTT-midnightalks2）并回复【听众群】即可进群。

当《海伯利安》遇上“七宗罪”会是怎么个事呢？方老师的“科幻宇宙漫游”终于终于终于回归了！本期节目聚焦于丹・西蒙斯的长篇太空歌剧《海伯利安》，话说地球被黑洞吞噬后人类建立霸主政权，与 AI 技术内核共生，驱逐者为对立变异族群。战争前夕七名朝圣者前往光阴冢，各有所求，其中的人物故事一一对应但丁的“七宗罪”，那幕后大boss究竟是谁呢？方老师和划水怪横向对比《三体》《银河帝国》《沙丘》等多部经典科幻作品，发现所有人都爱造神崇拜，这又是怎么回事呢？快来听节目吧！更多精彩内容，欢迎收听本期节目~主播 / 相征 方佳翮音频后期 / 陆凯BBBBUDDHA音频上传 / 恬恬-本节目由深夜谈谈 Midnight Network出品 -Timeline00:03:47 方老师来了00:13:53 人类是幸运的00:21:30 黑洞灾难后00:27:36 长生代价与求死之旅00:32:35 军人你居然。。00:36:09 重返海伯利安00:41:25 仿生人的谋杀 00:47:47 海伯利安七宗罪！00:58:52 虚拟世界中的欲望与愤怒01:06:13 人类就是喜欢造神 01:19:41 COBRAH,Grimes - Sign From God恰逢周年，大内十三周年限定主题周边正式上线。在香港的俚语里，“My Cup Of Tea”代表合心我意、投缘，于是我们将Tea替换成T恤的缩写Tee，于是就有了“MY CUP OF TEE 係我杯茶”的周年主题。而本次周边分为是定制马克杯、主题T恤两款单品，也推出了成套纪念礼盒（礼盒附赠随机主播签名嗷）～藏式金刚断烦恼，紫檀咒珠守心安。二十八宿催红鸾，甲子莲蓬伴流年。大内上新四款手串，愿你遇事不慌，少些内耗，遇见真心，白首不离。微信搜索小程序“大内夜市”，把祝福戴在腕间，日子自有光亮。奔赴天山下的阿拉木图，给自己放个假！Gorillaz、Jack White 等传奇乐队轮番开唱。划水怪&miya带队大内专属小团，雪山峡谷、实弹射击、湖畔晚餐尽收眼底。2026.08.20-08.25​，诚邀你用旷野与音乐清空焦虑，共赴一场线下出逃，重置紧绷一整年的身心。​微信搜索小程序“大内夜市”，即可报名～​深夜谈谈招聘啦，本次开放岗位全职：1、视频编导（北京/上海） 2、商务BD&AE （上海）感兴趣的朋友们请发送求职信+简历+个人作品请发送至邮箱jobs@midnightalks.com-你还可以在这里找到我们：小红书：@深夜谈谈、@相征terry、 @miyaB站：@大内密谈midnightalks视频号&抖音：@深夜谈谈微博：@大内密谈微信公众号：大内密谈商务合作邮箱：biz@midnightalks.com加听众群：加深夜谈谈子微信（微信号:SYTT-midnightalks2）并回复【听众群】即可进群。

You want to be the consultant ideal clients think of first.The one who gets invited into conversations rather than always pursuing them. The one whose pipeline doesn't depend on luck or timing. The one who can turn down work that isn't the right fit because they know more will come.That's a rainmaker. And most independent consultants don't think that word applies to them.In Episode 281, Melisa Liberman makes the case that it does. A rainmaker isn't someone with natural sales talent or an extroverted personality. It isn't someone selling 24/7. It's a consultant who is known for something, trusted for their perspective, and thought of when an important problem arises. That's a capability you can build.Melisa walks through three real consultants who became rainmakers in very different ways. Elizabeth rebuilt her identity after losing the corporate ecosystem that had always supported her BD work, and now turns away red flag clients with confidence even when she's behind on her revenue goals. Rachel built a global speaking and client reputation through deep specialization and selective visibility — posting once a week, speaking four to six times a year, sending a monthly newsletter. Sarah became the go-to person in her industry through association involvement and relationships, not posting volume.None of them were born rainmakers. All of them decided to become one.Melisa also walks through the identity shift that makes the difference: you don't wait for results to give yourself the title. You decide first. The decision is what speeds up the results.If you've ever thought "that's for someone else, not me," this episode is the one to listen to before you talk yourself out of it again.Timestamps for Key Moments:[00:00] Why becoming the rainmaker changes everything about how you generate business[00:03] Agenda overview[00:06] Companion resource: free live training at icworkshop.info[00:07] Where the term rainmaker came from and why it matters[00:10] What a consultant rainmaker actually is — and what it isn't[00:14] The benefits of becoming the rainmaker in your consulting business[00:16] How to become the rainmaker: the identity shift that starts it[00:24] Elizabeth's story: rebuilding the rainmaker identity after leaving corporate[00:28] Rachel's story: becoming sought after through specialization and visibility[00:31] Sarah's story: becoming the go-to person through industry association[00:34] Put this episode into action: five questions to answerResources Mentioned:Companion Resource: Free live training — How to Always Have Your Next Consulting Client Lined Up Without the Constant Pressure. Register at icworkshop.infoFull Show Notes: https://shownotes.melisaliberman.com/episode-281Want More?Melisa's Books, Planners & Journals: https://linktr.ee/melisalibermanGet Melisa's Book: https://www.melisaliberman.com/bookVisit Melisa's Website: https://www.melisaliberman.com/Follow on LinkedIn: https://www.linkedin.com/in/melisa-libermanJoin my upcoming free live training happening on August 11th: https://icworkshop.info/Want help achieving your consulting business goals? Melisa can help. Click here for more on coaching tailored to you as an independent consulting business owner.

With Josh Tomolak, Vice President of Independent Advisor Services, Diamond Consultants Louis Diamond and Josh Tomolak unpack today's IBD vs. RIA landscape, explaining what has changed, where each model excels, and how to determine which path best supports the business you want to build. In Summary The independent wealth management landscape has changed dramatically, making the decision between an independent broker dealer (IBD) and an RIA more nuanced than ever before. Louis Diamond welcomes Diamond Consultants' Vice President of Independent Advisor Services, Josh Tomolak, for a practical discussion of how the independent space has evolved, what truly differentiates the IBD and RIA models today, and how advisors can evaluate which path best aligns with the business they want to build. The Storyline Not long ago, the decision to become independent was relatively straightforward. Advisors either remained with a traditional firm or pursued independence through one of a limited number of models. Today, the conversation is far more complex. Independent broker dealers have significantly expanded their capabilities, offering stronger technology, larger transition packages, greater flexibility, and even pathways to RIA ownership. At the same time, the RIA ecosystem has matured into a sophisticated marketplace supported by multiple custodians, outsourced service providers, institutional capital, and enterprise platforms that rival many of the industry's largest firms. As these developments have unfolded, the traditional distinctions between an IBD and an RIA have become less obvious. Advisors evaluating their options are no longer simply asking whether they should become independent—they're asking which model best supports the clients they serve, the business they envision, and the lifestyle they want to create. In this Industry Update, Louis and Josh unpack the realities behind the IBD vs. RIA decision. They discuss where the two models overlap, where meaningful differences still exist, and why factors like service, technology, economics, operational responsibility, enterprise value, and long-term optionality often matter more than labels alone. Whether you're considering changing independent firms, launching your own RIA, or simply want a better understanding of how the independent landscape has evolved, this conversation provides an objective framework for evaluating today's choices—and preparing for tomorrow's opportunities. Topics Covered Independent Broker Dealer (IBD) vs. RIA models The evolution of supportive independence Technology investments across the independent space Transition support and advisor mobility Capital solutions and recruiting economics Business formation and enterprise value Launching an independent RIA Multi-custodial platforms and open architecture Minority investments and succession planning Future trends shaping advisor independence > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why are already-independent advisors reconsidering their current model? (5:27) Josh explains why service, technology, economics, and growing optionality are causing advisors to reevaluate their existing affiliations. How have independent broker dealers and RIAs become more alike? (19:28) Louis and Josh discuss the growing convergence between the two models and why the distinction is becoming less obvious than many advisors assume. What really separates an IBD from an RIA? (25:04) A practical discussion of autonomy, compliance, flexibility, custody, economics, and advisor experience. What misconceptions keep advisors from launching an RIA? (36:29) Josh outlines the “Four Pillars” of launching an RIA and explains where advisors tend to either overestimate or underestimate the operational realities. Which advisors thrive most in each model? (33:12) The conversation explores why there isn't a universally “better” model—only one that's better aligned with an advisor's goals. What trends are quietly reshaping independence? (42:13) Minority investments, enterprise value, business formation, and changing revenue models may have an even greater impact than advisors realize today. Key Takeaways Independence has evolved from a destination into an ongoing strategic decision. Independent broker dealers have significantly improved technology, transition support, economics, and flexibility. The RIA ecosystem has matured into a highly sophisticated marketplace with broad outsourcing and support options. Choosing between an IBD and an RIA should begin with long-term business objectives—not industry perceptions. Building a valuable business depends more on business structure and scalability than simply growing assets. Advisors considering independence should evaluate models with an open mind rather than relying on outdated assumptions. The next decade will likely bring continued convergence between independent business models. https://youtu.be/jHDVso2TsmQ Quotable Moments “The question is no longer, ‘Do I want to go independent?' The question is, ‘What kind of independence makes the most sense for my clients, business, and goals?'” “Business formation is far more important than assets under management.” “The way you build your business will ultimately determine how valuable that business becomes.” “Everything in an RIA is going to cost you either your time or your money.” FAQs Is there still a meaningful difference between an IBD and an RIA? Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Why are more independent advisors changing firms today? Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Is launching an RIA easier than it used to be? Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. Does every entrepreneurial advisor belong in the RIA model? No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. What matters more: assets under management or how the business is built? Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. What's the biggest mistake advisors make when evaluating independence? Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Related Resources IBD vs. RIA Comparison Guide IBD vs. RIA Revisited: Two Independent Pathways for Advisors to Consider NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and goals?” Josh shares what he’s seeing across the landscape, the misconceptions that continue to shape advisor thinking and the factors that matter most when evaluating the next chapter of an independent business. There’s a lot to discuss, so let’s get to it. Josh, thanks for joining me today. Joshua Tomolak: Thanks for having me, Louis. It’s a real privilege to have come. This is a full circle moment for me going from being a student of your podcast, to working alongside you, to being a guest. So I appreciate you having me. Louis Diamond: Amazing. I’m excited for this one too, because you have a fresh and in the weeds perspective that a lot of our guests simply don’t have. So why don’t you start off, you spend your time helping advisors evaluate independence every day. So working with advisors who are already independent, for the most part. And to me, it feels like the independent space has really evolved dramatically over the last decade. I mean, this podcast is really the epicenter of that to prove that out, but give us a little background on your past roles in the space and then we can get into what you’re seeing right now. Joshua Tomolak: Yeah, I’d be happy to. So I took a very non-traditional path into wealth management. I spent a decade as a deep sea Navy diver, and upon completing my service there, I ended up working for TD Ameritrade. And in my role there, I spent about six years doing nothing but helping financial advisors explore the RIA space, whether that was to join or partner with an RIA, sell to an RIA, or in most cases, launch their own RIA. And one of the things that I ultimately came to terms with is it’s just not the right model for everybody. While I’m a huge advocate for it, we would often lose business to the major broker-dealers of the world. And at the time, I really didn’t understand why. In the last six years at Diamond Consultants has been a very interesting purview into what a lot of the broker-dealers have done and are doing to make themselves more RIA-ish and be very compelling to the right advisor. Louis Diamond: Perfect framing. Your background is incredibly germane to the folks you work with. So let’s start off with the softball here. What are you seeing right now? Joshua Tomolak: It’s not so different than the rest of the industry, the wirehouses, the regional firms, things of that nature, that if you took 10 firms, they’re all likely to go different directions, even if they were identical practices. That could be… A third would go from an independent broker-dealer to another independent broker-dealer. Certainly the supported RIA space is growing every day and has created a lot of very fun and unique solutions for advisors, very customized and curated. And then I think there’s still a lot of really great sophisticated teams and individual contributors that are making the decision to go hyper entrepreneurial and launch their own individual RIA. So the movement’s really all over the board from my perspective. Louis Diamond: It does feel like it’s no longer independence is an alternative option or it’s on the fringes. It’s very front and center whether for breakaways, which is a big topic on our podcast, but in general, the infrastructure has become much, much more sophisticated today than ever before. Advisors have way more tools in their toolbox to serve clients, whether in the private markets or through technology. And it’s no longer that if an advisor’s independent, they’re in the minor leagues where they don’t have the same ability to serve clients like they did if they’re at a big bank or a private bank or a wirehouse. Do you agree? Joshua Tomolak: I absolutely agree. And I’m reminded of a question I got one time from a great team that I worked with in New York. They asked me, “Are there really more options than ever before? Because all we see is one firm selling to another.” And I think that’s a really great point. There’s far less broker dealers on the street than there were even five years ago. But for every Commonwealth, for example, that sells to an LPL, up pops three or four really cool private equity-backed, sophisticated RIA platform firms that are built to service their own unique advisor base. Louis Diamond: I think that’s right. Sitting on the sidelines, sitting on top of everything going on in the industry, I feel like capital is always an interesting topic forever. If an advisor wanted to move within the independent world or break away from a big firm to go independent, the only way to get capital was to go to an independent broker dealer. So we still see that, but I feel like today between all these minority acquisition opportunities, we’re seeing firms acquire practices at time of transition, which is somewhat new. There’s debt solutions, recruiting deals are way up for firms that are paying forgivable loans. RIAs now would, in some cases, will pay a forgivable note. What are you seeing there as far as the availability of capital and just deals in general? Joshua Tomolak: It’s a great question and I didn’t want to take the low-hanging fruit, but capital’s been a huge innovation, I guess, in the last five years I’d say. Just to give you rough quotes, please don’t hold me to it, but traditional transition broker-dealer deals were five years ago, 40 to 60% of Trailing Twelve revenue today are somewhere between 90 and 120%, sometimes north of that for the right team. That’s really meaningful money for the team that is thinking about foregoing a wirehouse deal, for example. I’d also say a lot of these firms are getting hyper-creative in how they solve for capital. The minority investment piece that you mentioned is very interesting. We’re seeing a lot of privatized forgivable notes in the RIA space where third-party or private lenders are basically lending the money and the RIA is making the payments on that forgivable note as long as the advisor is affiliated with them. So there’s been a recognition among the RIA space to get away from the, “Oh, they just took a check” type of mantra, and to say, “Look, I understand there are capital needs. These people are taking a risk. We need to solve for that.” So we’ve seen a lot of that in the marketplace. Louis Diamond: Very interesting. I think another thing financially, and then we’ll keep the train moving, that I know I’ve seen, and maybe you can weigh in if you’ve seen the same, is the cost to an advisor or a business owner to join an independent BD or to join an RIA has come way down, probably in part because of Schwab going to zero on trading. That’s been a catalyst. But it feels like we used to say independent BDs were expensive relative to the RIA world. And in some cases, they certainly could be. And if you’re at scale, maybe you can pick up a point or two being in the RIA world versus a BD. But when you have some of these BDs that have a basis point admin fee or no admin fee at a certain size and the payouts I feel like are similar, maybe have gone up a little bit, but it’s more so like the administrator fees, the platform fees, the program fees. Anyone who’s not in that world, it’s like, “What are you talking about?” But basically the way that these broker-dealers make money, it seems like there’s been a pretty big differential in the exchange of value where advisors now get more services, better technology, get more money to join them and get it at a lower cost. Do you agree? Joshua Tomolak: I absolutely agree. I think that maybe that’s one of the larger changes that we’ve seen, and it’s probably one of the benefits from a lot of the industry consolidation on that independent broker-dealer side. The economies of scale of these folks have allowed them to increase their tech spend, increase their service capacities all while offering it to the advisors at a cheaper price. And when I was at TD Ameritrade, one of the biggest pitches was the idea of a 100% payout and you control the fixed expenses, your technology compliance, et cetera. But what’s changed is that broker-dealers are pretty darn comparable on the expenses. All of those admin fees and things you mentioned will still exist, but they’re on a much smaller scale. And I think the question a lot of advisors are asking is, “Am I getting congruent value from my broker-dealer for what I pay for?” And while that answer might’ve been no a couple years ago, today the answer is more often yes. Louis Diamond: Yeah, I would agree. A lot of times we work with advisors who are starting an RIA or affiliating with an RIA or going to a BD and they see how big the deals are in the independent BD world and the payouts are really high and the fees are relatively low. And honestly, it is a hard decision or calculus to make, like, “How does it make sense for me to turn down this extremely lucrative deal when my ongoing economics are going to be somewhat similar in the BD world versus in the RIA space?” I think it’s just an interesting dynamic and we’ll get more into that distinction. One of the stars of the show right here is we’ve seen a ton of advisor movement across the industry. Our annual advisor transition report said that in 2025, over 11,000 experienced advisors changed firms, which is a large number. A lot of those numbers are within the independent world. So advisors who are 1099 through a BD or through an RIA transitioning to another platform or organization or starting an RIA. So why do you think we’re seeing so many advisors reconsider their current firm or their platform or their broker-dealer today than in years past? Joshua Tomolak: It’s a jarring number. 11,000 is definitely a significant amount of advisor movements. To me, it comes down to a few things, but I will say that it’s almost always a conglomeration of pushes and pulls. Pushes being inherent frustrations with your status quo, pulls being the new sexy, shiny things that you see in the marketplace that could be really impactful for your business. To me, it typically comes down to one of three things, at least on the push front, that drives advisors to movement. Service being number one, technology being number two, and economics being number three. And if we were just going to unpack those, I think service being, “Can you call somebody that knows your business, that knows your name? Are you getting the correct answers? Are you being pushed through a phone tree? And even if you’re not doing it, is it taking up a meaningful amount of time of your staff’s free time?” On the technology front, there’s very significant tech spends happening in the industry right now. I think Raymond James and LPL reported, for example, they spent 500 million in 2025 on a tech spend. So advisors are going to the places that are making their life easier. People are looking for a mechanism to really scale their business without having to add staff and a lot of expenses to the bottom line. And technology is just the fastest, most efficient way to do that most times. And then economics, certainly a lot of advisors and teams have built phenomenal businesses and they’ve made a great living without really stressing out about the economics. And they eventually get to a point in their business where what they were giving up as a million dollar producer is far different than what they’re giving up as a $4 million producer. And back to the congruent value, it perhaps stops to make as much sense. Louis Diamond: Well said. I always say when the cost-to-value ratio is out of whack, that’s when advisors sit up and take notice. And not to name names of firms, but there definitely are firms that are more expensive. And even if you look at how much a wirehouse or a Ed Jones advisor paid their firm, it’s like, “What got me here is not necessarily what’s going to get me there.” And while the name on the business card, the resources were incredibly impactful, and I’m so grateful for what my firm, my broker-dealer did for me when I was just starting or when I was smaller. Now the business is bigger, I rely upon different resources or I don’t need the firm as much. So I’d rather plow the cost savings either into income for myself or invest it in areas that are most germane to my business. And it’s usually when that kind of light bulb moment goes off, that’s one of the major pushes that cause advisors to evaluate other options. So I agree with you, those are the major push factors, but then what are the pull factors? What are the major advancements or changes across the independent space that’s causing advisors to say, “Hey, okay, I might have some frustrations, but at the same time, I also need to find something that’s more than marginally better than the firm I’m at. Otherwise, why am I going to go through the hassle, take the risk, et cetera? So what are some of the pull factors that advisors are latching onto today? Joshua Tomolak: Sure. And I might say with one final push factor, there’s a straw that breaks the proverbial camel’s back when you’ve been told for however many years that this change or that change is coming down the pipeline and it never happens. And it translates well into the pull factors is do they do what they say they’re going to do? The talking points really for the pull factors are exactly the same. So the counterpoint to service is perhaps having a direct relationship with the chief compliance officer at a firm or having a dedicated service representative that knows their stuff inside and out and can get you the answer even if they don’t know it off the top of their head. Having the technology to rebalance a household in two clicks instead of two hours. In economics, I think it’s really a transparency of economics. We’ve both worked with some really significant firms that have looked at their P&Ls and said, “where the heck is the money going?” And we’ve looked at the same P&Ls and said, “I have no idea,” because it’s so convoluted. People are happy to pay for good service, good technology, good products, but they just want to know where the money’s coming from. So I think it’s a yin and yang. The same things that they’re the push are often the pull. Louis Diamond: Definitely. I’ll give you a couple other from my perspective. I’ll say first specific to the independent BD world, and then we’ll dive into the RIA, I think it’s a little bit different. But I think some other will say innovations or changes that are causing advisors to really perk up and listen and really make the case to themselves that life will be better at this new organization than the status quo or staying put. We’ve seen major advancements in transition support, whether it’s being able to do a transition without a shred of paper, being able to… I mean, we’ve seen some independent advisors move their entire book within two weeks, which never would’ve happened before. So the firms that I’d say are playing offense, the larger firms that are winning, they have insane headcount around transitions and are always investing in technology, whether now on the AI front or in general. And we’ve seen transitions, they’re never easy. So that’s not a comment to say it’s easy, but a lot of the friction, a lot of the manual work has been taken away, which is massive. You definitely mentioned the significant technology spend. I mean, just the innovations going on across the industry. There’s definitely some firms that are laggards on technology and others that are light years ahead, whether because their tech is more integrated or they’ve built out their platform to be more, we’ll say modular, to plug in different third-party softwares where an advisor can really customize and create their own tech stack. I think there’s been some changes on compliance. It used to be if you’re at an independent BD, you had to be the OSJ by yourself or you had to roll up under an OSJ. But now most BDs offer home office supervision, so a big friction or pain point is taken away. And then I’ll give you a bridge to talk about what we’re seeing on the RIA side. But we’ve also seen, I would say, a real blurring of the lines between what you would traditionally think of as an independent broker dealer versus what was an RIA. So whether it’s an internal pathway where it’s like, “Start off on our independent BD platform, get the big deal, get the support, but then you can ditch that and just use this as a custodian or you can sell the business to us when you want to retire and convert to W2.” So in that vein, transitioning internally to an RIA, give me the same points like, “What are the major advancements or changes you’re seeing on the RIA side today?” Joshua Tomolak: I love that you said that because it’s been one of the most interesting changes to watch. Independent broker dealers becoming more like RIAs, and to your point, being more flexible, having more optionality, a more curated experience in some cases. And in many cases becoming closer to independent broker dealers with some of these massive shops that we’ve seen be created over the last five years that now have hundreds, if not thousands of advisors. To your question on the internal RIA slide as we sometimes call it, this really didn’t exist many places a few years ago. And I think it’s been created as both originally a retention tool in many places for the advisors that were with a major independent broker dealer and they ultimately wanted to have their own ADV and their own RIA. And the firm didn’t want to lose all the assets to an independent custodian so they gave them the green light to… And it’s ultimately became a sales tool in many cases. Just to use a couple of examples across the industry, I mean, Raymond James has Raymond James Custody Services, which has attracted a lot of really sophisticated teams. I know Wells Fargo Finance done something similar and even the counterparts over at Cetera and Osaic are trying to do the same thing. So it’s a recognition in my view that we want to keep the best talent possible. And if these folks are ultimately going to go RIA anyway, it’s less about the money and more about the flexibility and control that it offers them. So what can we do to keep those folks on board? And rightfully so, a lot of senior management of these firms have said, “Let’s not lose these teams. It’s going to be a lower margin business for us, but at the rate that they’re growing, it’s going to pay off in the long run.” Louis Diamond: Well said. RIAs are now more mainstream. And some of these RIAs, they’re either resembling independent BDs or I would even go so far to say the valuations that are even publicly available on some RIAs is definitely having people take notice. I mean, Cerity Partners recently raised capital at an over $8 billion reported valuation. Crescent was well over a billion. Firms like Mariner, Creative Planning, Mercer, Wealth Enhancement Group, and there’s many that I’m missing, are all worth a couple billion dollars or more and growing. Do you think that’s had an impact on the legitimacy or the staying power of the RIA model? Joshua Tomolak: Oh, absolutely. There’s no doubt about it. I mean, those groups that you mentioned and many more are winning some of the biggest teams on the street. I mean, if you pull up a run-of-the-mill advisor hub article, for example, you’ll see as many of those RIAs win significant businesses as you will their broker-dealer counterparts, partially in my opinion, due to the massive valuations these firms are fetching. And it’s much more of a partnership in the sense that joining a Crescent or a Wealth Enhancement Group, as you mentioned, you’re a part of a boutique group of maybe a couple of hundred very sophisticated high-producing advisors all playing under the same banner, all rowing in the same direction, and that creates substantial growth. Louis Diamond: Exactly right. I think two other things to me that’s driving the legitimacy or the growth of the RIA segment, there’s so many different outsourcing solutions that have popped up, whether it’s more of a… We’ll say a bundled or a package outsourcing solution through firms like Dynasty and Sanctuary. LPL has done a ton with having a shared services outsourcing model. So you have those. But you also have, I mean, probably 10 different firms I could think of that can be an outsourced chief compliance officer. You have tons of marketing agencies that specialize in helping RIAs. You have all these FinTechs popping up to support the RIA space. Really, it’s like anything and everything can be outsourced now. And even the big Wall Street banks like UBS, Merrill, et cetera, they’re attempting to sell and distribute product into the RIA space. Venture funds, private equity funds, anyone you talk to is trying to get a piece of the RIA space, which means there’s more product and platform availability than ever before. And I think it’s massive because one, it’s a catalyst for teams who say, “I love everything about the RIA world. I just don’t want to do it on my own,” or, “I don’t know where to start.” But also it means that they can look their clients in the eye and say, “Hey, not only do I have the same stuff that I had for you at XYZ firm, I can actually do more for you.” And even if you look at what the custodians are doing on the lending side now, Schwab owning a bank is massive and being able to facilitate mortgages, securities-backed loans, things that didn’t really exist in the past. I think it’s a very exciting time for advisors either that are independent or are considering the independent space because you have all these choices and it’s really like, “Choose your own adventure. Give me your top five things you want.” I’m sure it exists and we can find it and make it happen. And I don’t think we’d have the same confidence in that statement 5, 7, 10 years ago. Joshua Tomolak: I couldn’t agree more. That’s such a huge development is the marketplace of third party vendors in any kind of capitalism environment. There’s problems that people encounter and there’s really smart people that are trying to make a lot of money that go to market to solve them. And we’ve seen a ton of that over the last few years. Louis Diamond: Exactly right. Yeah, it’s like also… If an advisor looks around and says, “Hey, this is what I want,” and it doesn’t exist, oftentimes that’s a light bulb moment to be like, “Okay, I’ll go build it. I’ll do it on my own.” Whether it was Stewart Partners when they launched a number of years ago or Hightower, Dynasty, et cetera. They were all started by people that said, “Hey, I see a big gap in the ecosystem. Let’s create a business and raise capital to go solve it and then deliver this service to other like-minded advisors or business owners.” Honestly, it’s a treat to be able to watch all this happen in real time. We probably should have laid the groundwork with this next question, but I think it’s an important one. What’s the difference between a independent broker-dealer and an RIA? Really basic foundational. It sounds like the lines are blurred. There’s probably a lot of similarities. Advisors are successful in both. It’s not like one’s better than the other. How would you explain the differences, if a client of ours asked, “What’s the difference between an independent broker-dealer and IBD versus an RIA”? Joshua Tomolak: Get into the core of it. Again, the lines are blurred, and I’ll stay very high level on the strategic differences, but I like to use this example. I drive a Toyota Tundra. Really like the truck, gets me from A to B. Now, if I were getting to a point where I wanted a new vehicle, if I were to go get another Toyota Tundra because I really like a lot of aspects of it, but I want the one with the bigger screen and the bigger tires and the power seats, and I have rolled down windows because I have a fear of drowning. But if I want a lot of the bells and whistles, but I want to keep the foundation, that’s what I align to a independent broker-dealer to independent broker-dealer. You like the foundation of everything all under one roof. You like a lot of the resources, but you have some meaningful frustrations and you want to see if another provider in the market can solve for those or you can upgrade. If I instead, Louis, decided that I wanted a sports car or a Jeep Wrangler or something, I would be looking at a different category altogether. That’s how I articulate the platform space. They provide the same services and support in many cases that an independent broker-dealer does, think of marketing and a tech stack and regulatory oversight and a fellowship in a community, but they’re built on an RIA TC registered chassis. They’re typically far more customized so you can shop the street to get a lot more of the things that you like, though you are walking away from maybe some of the things that you’ve liked in the independent broker-dealer model. So I guess that’s the highest level I might explain it, just a little bit more minutia in any broker-dealer is going to be a FINRA registered, FINRA member broker-dealer. So they’re subject to the FINRA rules, which basically means it’s the compliance interpretation of those rules that they have to follow. So LPL’s rules may be slightly different than Cetera’s than Ameriprise’s because it’s based on their interpretations of the rules. In the RIA space, everybody really operates on the fiduciary standard. So it’s just a different lens that from a compliance standpoint, business is looked at. And a lot of people would make the argument that it’s just easier to get things done when you’re looking at something from that lens. I might’ve gone too compliance nerd on you there, but I’d be curious what you think some of the major differences are. Louis Diamond: Yeah, I think that’s right. I mean, it sounds like if you’re in the RIA world in some capacity that you as the advisor or business owner are going to have a little bit more control and autonomy and flexibility. One, do you think that’s true? And what are the reasons why that is? Is it platform? Is it strictly just compliance is easier? What are the different ways that an RIA would have more or less flexibility than someone who’s with an independent BD? Joshua Tomolak: Yeah, I think it’s overwhelmingly true, but it certainly depends on your business. Within most RIA platforms, you’re going to be one of a couple dozen, maybe a couple hundred, where you’re going to have people within that firm that really know your business. So the experience in getting things done is much less about, “Can I do this,” or, “Can I not do this?” And it’s, “Louis, I understand you asked for this. We’re going to run into these issues, but let’s figure out how to get to yes.” So it’s far more curated by people that are not operating on black and white rules and can actually figure out how to get to yes for your business. The other thing I would say is that most significant RIA platforms have multiple custodial options. So many times you’ll see as few as two or as many as five. So if an advisor or a team is trying to bring on a new piece of business or do something creative, that might be something they can use a different custodial relationship to accomplish. It might be something that Goldman Sachs does really well but is in its infancy at Fidelity, or it might be international business that’s approved on Pershing’s platform but not Schwab’s platform. So the RIA partner that you’re with can really look at those custodians agnostically and say, “What’s the best home for this business? What’s the best way to get this done for Louis?” There’s a couple examples of where I see the flexibility in practice. Louis Diamond: Yeah, I think one more too would be the concept of being able to shop the street. I’ve heard it described as becoming a buy-side advocate for your clients versus being a professional seller. So meaning, if I’m affiliated with an RIA or I’m operating my own RIA, there’s no selling away like there is at a wirehouse or at certain BDs. So if I have a client who’s trying to get a $10 million loan for a new building that they’re breaking ground on, if I’m at UBS, Merrill, Morgan Stanley, captive to a BD, I can go to my firm and say, “Hey, this $10 million loan, here it is. What are the terms? What are the rates? Will you take on this business?” And the firm will say, “Yes. No. Yes, here are the terms. Here’s the caveats, et cetera.” But it’s a very closed market process and an advisor has to live and die by what their firm says. Versus in the RIA world, it’s, “Okay, I have relationships with nine different banks and I can go to these different banks and private credit funds and whoever and really create either an option process for my client or really just help them in a fully agnostic open way.” And we see the same thing when it comes to alternative investments. No one at a wirehouse, let’s say, is complaining that they don’t have enough alts that they can offer clients. Those firms have done an amazing job with really boiling the ocean and having tons and tons of options for private investments, hedge funds, et cetera. But if you’re in the RIA world, you can take it to the next level and say, “Hey, this $3 million startup company that my friend is starting, I’m going to help them raise capital,” or, “My client wants to get a syndicate of investors together to have a direct investment into a qualified opportunity zone fund that they’re starting. Let’s do it when we can advise on it.” So it really expands what an advisor is able to do on behalf of clients. Like to me, that’s the most interesting or exciting part of the RIA model. You can get some of that within the BD world, but to me, when an advisor’s business becomes more sophisticated as far as what their end client’s needs are, it tends to translate better to the RIA world than the BD world. Not to say there aren’t ultra-high net worth focused advisors at BDs, but because of that additional flexibility, autonomy, customization, et cetera, that speaks more RIA. So again, absolutely not down at all on the independent BDs because I think there’s a massive home for them. Josh, let me turn it back to you. I’m rambling now. Give me the pitch for an independent BD. What are the things that are misperceptions that people have? What are the advantages that an independent broker dealer like an LPL or a RayJ or a Cetera have over RIAs or over other models in general? Joshua Tomolak: Absolutely. And I’d say I’ve learned more over the last six years from some of your ramblings than most people learn in an MBA course, so keep doing what you’re doing. But it’s funny being in this position now, having spent so much time sort of selling against the IBD model within TD Ameritrade, but what I’ve learned is it’s a good home for everybody. And a lot of times the advisors that they’re entrepreneurial enough where they like having their name on the door, but they’re not so entrepreneurial where they want to build everything out themselves, that’s where the independent broker dealers absolutely kill it. Their economics have gotten to a point where they’re really competitive. They offer transition capital that isn’t even going to be comparable in the RIA space unless you’re selling a minority share of your business. And you mentioned LPL, or we could really list all of the major ones, there’s not a department that they don’t have. It could be as nuance as finding 403(b) payroll slots or it could be as mainstream as fixed income or setting up events. There are all kinds of really neat departments that these all under one roof independent broker dealers have invested in. And a lot of times they make an effort to make you very much aware of all of the support because most people don’t use it. So I would say for the advisors that are looking to get their improved Toyota Tundra, then you can get probably 70 or 80% of what you want within the independent broker-dealer world. And you can also keep 20 or 30% of the stuff, maybe more that you really liked at your previous firm. So I think that’s where it really shines. I sometimes call it an incremental change rather than a transformational change. But for many advisors, incremental is really good enough if you get to keep the familiarity of how you’ve been doing business for the last 20-some years, but you’re able to get net improvement on the things that were really bothering you. Louis Diamond: Well said. Something that I’ve seen that’s been… I guess this could be either pro or con depending upon the advisor, but with some broker dealers, letting an advisor co-brand with them or really having a real consumer-facing brand, whether it’s, “I’m a franchise owner with Ameriprise,” or, “I’m independent through Raymond James,” or, “Running my own practice through Wells Fargo FiNet,” or, “I’m independent with Northwestern Mutual.” There’s definitely some brand cache or brand familiarity with some of those firms that may or may not be the same if you’re in the RIA world. So I would agree there’s a lot to like about the independent BD world and there’s a fit for people that is absolutely better with independent BDs than on the RIA side. Even if some people would say RIA is better, we’re cleaner, I wouldn’t say that. To me, it’s all about what an advisor’s goals are and then matching that up with what these firms do. And there’s never a perfect option. I jokingly say, “If there was a perfect firm, we wouldn’t be in business.” Every firm has their advantages or disadvantages. And depending upon where an advisor’s coming from, their style of business, their pain points, that’ll match up really well with on firm or one type of firm or one model than the other. Let’s pivot a little bit to the RIA world. A lot of your comments have been more about advisors affiliating or joining RIAs, this whole supportive version of independence concept. But what about advisors who want to go and start their own RIA? Either they’re leaving a captive firm and taking the entrepreneurial route and starting their own firm, or they’re leaving an independent BD to go start their own RIA. What do you see as some of the biggest misconceptions that advisors have about that move? Joshua Tomolak: That’s probably my favorite topic because there are the most misconceptions I think in this space. Louis Diamond: I’d agree. Joshua Tomolak: And I would say there’s 9 out of 10 conversations that I have with advisors and teams, they start off with the launching an RIA in mind or at least RIA curious and they want to understand what’s out there. And probably less than half the time do these folks end up actually launching their own RIA, which is okay because the ones that do are massively successful and they know they’re dang sure that’s exactly what they want to do. I think it gets a little bit romanticized sometimes that they’ll say, “Oh, I’ll just give Schwab a call,” or, “I’ll just give the custodian a call,” as if they were shopping independent broker dealers. That’s fine. You can do that and they will help you, but there’s quite a bit more to think about. And it’s not, in my opinion, the same as evaluating independent broker dealers. If it’s all right, I was taught the four pillars of the RIA model. I can go through that with you really quickly. So the way to think about the RIA space is in four pieces. And shout out to a friend, Eli Suarez, that taught me this years ago. The first pillar… Thinking of four pillars on a bar stool, if you will. The first one being administration. And this is your compliance, this is setting up your ADV, your LLC, all of your business formation documents. The second piece being technology, what do you actually want to use? Because the benefits of the broker-dealer world and the supported independent world is they’ve already built it for you. They’ve already paid for it and scraped their knees building it. In this case, you have to. And for some people, that’s really exciting to source financial planning software and portfolio management software and your CRM and tax software, et cetera. For some people, it just sounds like a huge headache. The third pillar being custodians. I have them third because you want to make sure that the right custodian can integrate properly with the technology that you’ve sourced that you’re passionate about. And then ultimately transition. What does a transition really look like? What are my legal and regulatory requirements? How does this work? What are the timelines? Things of that nature. So I guess I would say in closing that if those four things are things that you really want to own, then you’re in a really good position to consider an RIA launch. What do you think, Louis? Louis Diamond: I think that’s a great framework to break it down. Not just be like, “Okay, I can tolerate that,” or, “My team can do it,” but I think you have to be pretty excited about rolling up your sleeves and customizing and doing it yourself because in our experience, there’s a nominal differential between the economics of running your own RIA versus affiliating with an RIA or going to an independent BD. All the extra work and responsibility, you’re not really going to make it up, at least on the front end, on a higher net payout. So it has to be more about what the model means to you and having a vision that you don’t think anyone else can accomplish other than yourself. And looking at that crazy ever-expanding Michael Kitces’ FinTech map and there’s 500 different logos on it and being like, “Yes, that’s what I want. I want to go through this. I want to pick the seven pieces of my tech stack that work for me,” rather than getting, “Here’s the tech stack, take a demo, you like it, you don’t like it, take it or leave it.” To me, the two biggest misconceptions people have about the RIA world is one, “I’m going to have to be a full-time chief compliance officer,” and just that compliance is this boogeyman, this terrible, scary thing. In some ways it is. But the reality is most, especially startup RIAs will fully outsource compliance to a firm or they’ll hire a compliance consultant or firms that are big enough even will hire a CCO or repurpose someone on their team to be CCO. But compliance is much more streamlined and simpler than BD compliance. And ultimately, it’s compliance that’s being built for your business rather than compliance that’s being built for a publicly traded multinational company that supports 20,000 financial advisors. So I think compliance is always a big misconception. It’s definitely what a lot of firms will pry upon when they’re saying like, “Oh, you’re going to own all the legal and regulatory requirements. You could, but it’s definitely not a requirement.” And then I think another one is folks sometimes underestimate and overestimate the operational burden and how much work it is to start an RIA. Sometimes people just… They’re perfect for the RIA world, that’s their goal, but they get stopped in their tracks. They don’t really know what to do. But what we’ve seen, we said it earlier with so many different outsourcing solutions and different service providers that have popped up, if you have the fire in your belly to go build something, it doesn’t mean you’re doing it by yourself. I mean, that’s what firms like ours do. The custodians are very helpful. On the flip side though, I have seen advisors chasing payouts say, “Hey, I’m just going to go start an RIA because I want to make another 1 to 3%,” or whatever it comes to and they drastically underestimate what it really takes to build a successful firm. Joshua Tomolak: Exactly right. I think that’s my favorite one, Louis, overestimating and estimating the operational burden there is you could have the same conversation with two teams and it can go the completely different direction. Louis Diamond: Josh, let’s wrap here. I got one more question for you that I think is an exciting one, but give me three key trends or storylines that most people don’t know about or aren’t talking about that you’re passionate about or that you’re sharing with advisors or counseling today. Joshua Tomolak: Sure. This is the free advice portion. And I’ll tell you what, Louis, if it’s all right with you, I’ll give you two and I would love to hear one from you as well. The first one I’ve seen in both the independent broker-dealer and RIA space is the minority investor concept. A lot of folks will talk about the idea of taking chips off a table and starting to partially monetize your business. I think that’s all important, but what I’ve found is that a lot of advisors really want their partner, whether it’s an RIA broker dealer to help them grow. And that could be with M&A opportunities, that could be with traditional recruitment of advisors, that could be building a business plan. But the minority investment part really helps accelerate that for a lot of businesses because all of a sudden, not only are you cashing out a small part of your business, but you’ve just created an ally with the parent entity, it is now much more likely to help you grow in that capacity because they’re insulated from it and they profit when you profit. So I think it’s easy to be shortsighted and say, “Well, my equity’s going to keep growing. Why would I sell you a piece of this?” But I counsel folks often to really think about what that long-term strategic partnership is and making somebody a real equity partner rather than just a vendor that provides you with technology and regulatory coverage. The other one I’d say is that… And this one’s really important to me, that business formation is far more important than your assets under management. Said a different way, the way you build your business is going to make your business far more valuable than the number of dollars underneath your name. And what I mean by that is, just to use an example, a sophisticated, well-built, centralized, scalable and repeatable business, whether it’s an RIA with a broker-dealer that is going to fetch a far higher M&A multiple than a OSJ that’s five times the size that just has a bunch of 1099 independent advisors underneath the umbrella. What we’ve seen in the M&A space is that if you’re going to shell out 50, 60, $80 million for somebody’s business, you want to know that you have this business for the long term. So I would certainly counsel people that have been around maybe far longer than me to take a look at how you’re building this and put together a business plan on what those next 10 years should look like and not necessarily fall into the trap where your only revenue source is the override that you receive from a firm and then you in turn pay to the advisors on your team. Louis Diamond: Well said. I really like that line. We’d probably do a whole episode on what are the tips and tricks for building a business with the end in mind? Like the Covey quote, “Begin with the end in mind.” Transitions are like… They’re a bear. I mean, there’s no way to sugarcoat it. Advisors, when they hear transition, if you ask them, “Don’t think about it, give me your reaction.” “Terrible, risky, a lot of work. I’ll never do it again. My friend did it and it was terrible. What if my clients don’t come?” It’s all these negative emotions. And in many cases, I don’t blame an advisor because it is a big act. But to me, if someone is weighing making a transition, whether a wholesale business model change going from being an employee to being independent, going from being an advisor at an independent BD to starting an RIA, or even going independent BD to independent BD, it’s an opportunity if you rise to the occasion to build with this next act with intentionality. So whether it’s restructuring compensation for your team, converting people from 1099 to W2, putting in place new workflows, changing how investments, instead of it being each individual advisor doing investments to more of a centralized model, cleaning up workflows, really investing in data, investing in AI. It’s something that I think, again, we can have a whole episode on it, but I think it’s a great one. Build the business the right way. And obviously, businesses that are larger, theoretically, sell for more, but we’ve certainly seen businesses that are half the size of a larger one sell for a similar amount or more because they did all the right things and the larger one did the things that really turn off a buyer or detract from a valuation. Let me give you one more and tell me if you agree, but I think we’re in this moment when Altruist, the upstart, a new kid on the block custodian, they launched a basically tokenization of cash in a way to automatically agentically source or sort cash to the highest yielding money market. And you’re like, “This is fricking wonky. Louis, why are you telling us this?” I think this is an important one just to keep a watchful eye on. I have no idea how this is going to shake out, but really the biggest way that independent BDs or even custodians like Schwab and Fidelity really make money, it’s not on their overrides from practices or the admin fee or the custody fee. It’s really on net interest margin. So how much the broker-dealer or the firm is making on client cash and brokerage accounts relative to what they’re paying out the client. It’s essentially like free margin to these firms. And this concept, I think, has massive potential for disruption for the business model. Again, I don’t know what it’s going to look like, whether it means platform fees that are instituted at all these firms, whether it means certain models would be more beneficial than others, whether it means nothing’s going to change, which is probably the right answer given this industry. But it’s something to keep a watchful eye on just if your firm institutes a new platform fee or there’s a fundamental way in which your firm can no longer make money. How are they going to make it up? Are they now going to be uncompetitive? They’re not going to have as much scale or profits to invest in the platform. Is it going to cause even more consolidation in the industry? So to me, that’s the one pretty under the radar, pretty wonky storyline that I don’t think enough people are talking about, but has the biggest possibility for disruption across their space than anything I’ve seen in a while. Joshua Tomolak: Sure. That’s the whole iceberg. Not a lot of people are talking about it. It’s not poking out of the ocean, but it’s going to be continuously brought up. I think it’s a question that a lot of advisors are going to have to ask these firms. And at the end of the day, the firms aren’t the bad guys. They have to make money too to provide a quality product. So where the money comes from matters. Louis Diamond: Exactly. Josh, this has been awesome. I learned a lot talking with you and just having your objective consulting hat on what I think are really the differences between IBD and RIA and some of the key trends and storylines to watch has been instrumental. I’ll also give a plug that on our website and we’ll link to it in the show notes, we have a really helpful one-page reference guide going through the differences between independent BDs or IBDs and RIAs. So feel free to click on it. We’ll make sure it gets in your inbox. Josh, thanks again for joining us today. Joshua Tomolak: Yeah, thanks for having me, Louis. It was a pleasure. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibilities seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I stay or Should I Go? is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and go

On this episode of Bulture podcast:Future “California Girl” is becoming a sneaky hit for the baddies on social media.Alabama HBCU Tuskegee University announces a new dress code banning bonnets, du-rags, and other casual attire, as the school's president says students should dress more professionally.Future's baby mama Eliza Reign was hanging with Gorgeous Doll. Gorgeous Doll leaves her phone & why the hell Future called her phone and his baby mama Eliza Reign picked up the phone. During Comic-Con, Ryan Coogler announced that actor David Jonsson has been officially cast as Prince T'Challa II, the adult son of the late King T'Challa, in Marvel Studios' upcoming ‘Black Panther 3'. It's a debate on TikTok over men going to Olivia Dean concert and singing the songs word for word.Usher kicks fan off stage for looking uncomfortable at Nissan Stadium in Nashville, Tennessee for “The R&B Tour.” Fans believe she was there for Chris Brown.Ryan Clark opens up about the regret of trying to appease his employer and still losing his job.DC-area basketball coach and five of his teen players arrested after allegedly stealing $37.60 worth of snacks and drinks from a Florida 7-Eleven.More than 500 incoming students at Howard University have learned this week that they have been unenrolled from the Washington, D.C., school and no longer have spots for the upcoming fall semester.Bam Adebayo reveals he asked A'ja Wilson's father for permission to marry her, admitting he broke down in tears after the conversation saying Roscoe is the dad he's always wanted.Weeks after apologizing for platforming Dr. Cheyenne Bryant, Pastor Jamal Bryant got a cease-and-desist from Cheyenne. He also shares an email from Pres. Jaquel Pitts of Indiana Southwest Christian University backing her doctorate and admitting no such school exists.Malcolm-Jamal Warner's widow sues his mother for $1.2 million, claims Cosby Show star failed to honor prenup. Pour Minds podcast co-host Lex P sets record straight after Houston entrepreneur Toya K alleges years-long affair with her BD, rapper Propain. Lex P states she would never knowingly deal with a man in a relationship.27-year-old Skrilla and 44-year-old Keyshia Cole trend as a new photo of them together sparks dating rumors.Congratulations to Anthony Edwards as marries his longtime girlfriend Shannon Jackson after 6 years of being together.CoolKicks owner and 12 others federally indicted in scheme to steal $2 million worth of shoes from a Nike warehouse, with the help of Nike employees.The Game really drank / shot gunned a whole bottle of Don Julio on the Verzuz stage against YG.Angel Reese's 'Bayou Barbie' moniker has become a reality!! The Atlanta Dream star's Barbie replica, featuring her signature shoes and a unique Barbie-themed basketball fit goes on sale today. Our girl is the first black WNBA player to receive a signature Mattel doll, just purchased mine, make sure to grab yours.LeBron James leaves the Lakers & joins the 76ers, for a two-year $8 million deal. LeBron's Sixers jerseys sold out on Fanatics just minutes after he announced he was joining the team.Chadwick Boseman's brothers petitioned the court to remove his widow as estate administrator for withholding all his assets and denying his parents their share of his wealth.21 Savage's 14-year-old nephew, Seven Shirley, tragically died by suicide after accidentally shooting his 12-year-old sister, Lyric, who survived. The family says he was overwhelmed with guilt and revealed he had bought the gun for $200 after his best friend was shot the week before.Boston Richey Surprised fans with new EP S.O.S. Woman files lawsuit against Adrien Broner, alleging s*xual battery and a**ault after claiming she was invited to an after-party and encouraged to drink heavily.Rick Ross latest album ‘Set in Stone” is expected to debut outside the Top 20 on the Billboard 200 after he's expected to sell under 10k copies.

À la perte de son enfant, Claudine se lie d'amitié avec une prostituée qui lui ouvre doucement le chemin de la reconstruction et d'une lutte plus grande encore.Alors que la France amorce son virage industriel, la société est tiraillée entre conservatisme et progrès : essor des usines, des grands magasins, de la médecine et de la psychiatrie, début du féminisme, des mouvements sociaux et de la politique moderne…La machine est en marche et très vite, la grande guerre menace. Ce roman dépeint les destins entrecroisés de femmes attachantes et inspirantes qui, par leur volonté et leur courage, ont fait la guerre à la grande guerre et façonné le siècle dernier.L'auteur, Elodie Sauvage, est avec nous en studioHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

حفر اسمه في تاريخ الأدب العربي رغم رحيله المبكر في مطلع عشرينياته، تاركًا أثره في معلقة شهيرة كتبها وهو في أقسى لحظات حياته، ما بين نبذ ورفض من الأهل، وتفرّق الأصدقاء من حوله بعدما بدّد أمواله، وضياع حب حياته. هو الشاعر طرفة بن العبد، أصغر شعراء المعلقات، الذي ترك رغم حداثة سنه أبياتًا تفيض بحكمة تجعلك تظنه رجلاً تجاوز المئة عام. نستعرض سيرته المليئة بالأحداث والشجون، ورحلة الصعود والسقوط، حتى لحظة مقتله المأساوية بسبب زلّة من زلات لسانه الكثيرة مع ضيفنا ربيّع القحطاني. في حلقة جديدة من بودكاست جولان هذه الحلقة برعاية: سلالات نشارككم جودة الحياةhttps://sulalat.com/0:00 المقدمة7:15 بدايات ربيّع القحطاني مع التاريخ والأدب11:27 علاقة القحطاني بطرفة بن العبد31:26 بيئة ونشأة طرفة بن العبد41:04 كليب بن ربيعة50:58 علاقة طرفة بن العبد بأهله1:07:18 قصة حب المرقش الأكبر1:15:53 هدر طرفة بن العبد لأمواله1:20:22 المأمون العباسي1:23:36 صدمة طرفة بن العبد الكبرى1:46:09 منادمة طرفة بن العبد لعمرو بن هند1:57:24 سبب مقتل طرفة بن العبد2:12:49 معلقة طرفة بن العبد2:25:55 الختامحلقة جديدة من بودكاست «جولان» مع محمد الشثري. بإمكانك مشاهدة الحلقة من خلال اليوتيوب أو الاستماع لها عبر منصات البودكاست. وكذلك يهمنا معرفة رأيك عن الحلقات بالتعليقات أو تقييمك على Apple Podcast. كما بوسعك تقديم اقتراحك لبودكاست جولان بمراسلتنا على: suggest@micspod.comمحمد الشثري على اكس: https://x.com/m_a_alshathryمحمد الشثري انستقرام: https://www.instagram.com/m_a_alshathryمحمد الشثري سناب شات: https://www.snapchat.com/add/m_alshathryمحمد الشثري تيك توك: https://www.tiktok.com/@m_a_alshathryلمعرفة أحدث أخبار شبكة مايكس تابعنا على:اكس: https://twitter.com/MicsPod انستقرام: https://www.instagram.com/micspod فيس بوك: https://www.facebook.com/Micspodoffic لينكد ان: https://www.linkedin.com/company/micspodتيك توك: https://vm.tiktok.com/ZSehjfoBt/ للإعلانات والرعايات:BD@micspod.com 

你真的了解饭圈文化么？马中红、唐乐水两位老师花费五年走访无数普通“追星人”，在一次次面对面地交流中，写下《饭圈纪实：爱，数据和权力》。节目里，二人用一个个鲜活的粉丝小故事打破偏见：有人冒雨数小时等候偶像，有人连夜带走废弃人形立牌，看似离谱的举动背后，是无处安放的热爱。他们盘点饭圈发展脉络，从早年全民选秀聊到数据横行的当下。平台榜单与商业需求一步步把“喜爱”量化成任务，让普通粉丝被动卷入内卷。而饭圈分层之下，资源集中在少数人手中，部分乱象不断消耗着普通爱好者。如今快餐追星慢慢流行，饭圈里的爱到底是真心、劳动还是生意？欢迎你到节目中寻找答案～更多精彩内容，欢迎收听本期节目~主播 / 相征 嘉宾 / 马中红 唐乐水音频后期 / 陆凯BBBBUDDHA音频上传 / 恬恬-本节目由深夜谈谈 Midnight Network出品 -Timeline00:02:08 饭圈定义到底是什么00:08:55 一场五年的情感探索之旅 00:10:55 亚文化与饭圈00:20:37 追星女孩的真实生活 00:26:19 大众对饭圈的误解 00:38:05 他们都是什么样的心理00:43:57 死忠粉的认证体系00:51:45 饭圈文化与资本01:05:53 理想与现实的落差 01:09:08 饭圈女孩的追星日常01:21:27 饭圈数据造假？01:32:23 那未来呢？01:37:32 Blondie - Fan Mail恰逢周年，大内十三周年限定主题周边正式上线。在香港的俚语里，“My Cup Of Tea”代表合心我意、投缘，于是我们将Tea替换成T恤的缩写Tee，于是就有了“MY CUP OF TEE 係我杯茶”的周年主题。而本次周边分为是定制马克杯、主题T恤两款单品，也推出了成套纪念礼盒（礼盒附赠随机主播签名嗷）～藏式金刚断烦恼，紫檀咒珠守心安。二十八宿催红鸾，甲子莲蓬伴流年。大内上新四款手串，愿你遇事不慌，少些内耗，遇见真心，白首不离。微信搜索小程序“大内夜市”，把祝福戴在腕间，日子自有光亮。奔赴天山下的阿拉木图，给自己放个假！Gorillaz、Jack White 等传奇乐队轮番开唱。划水怪&miya带队大内专属小团，雪山峡谷、实弹射击、湖畔晚餐尽收眼底。2026.08.20-08.25​，诚邀你用旷野与音乐清空焦虑，共赴一场线下出逃，重置紧绷一整年的身心。​微信搜索小程序“大内夜市”，即可报名～​深夜谈谈招聘啦，本次开放岗位全职：1、视频编导（北京/上海） 2、商务BD&AE （上海）感兴趣的朋友们请发送求职信+简历+个人作品请发送至邮箱jobs@midnightalks.com-你还可以在这里找到我们：小红书：@深夜谈谈、@相征terry、 @miyaB站：@大内密谈midnightalks视频号&抖音：@深夜谈谈微博：@大内密谈微信公众号：大内密谈商务合作邮箱：biz@midnightalks.com加听众群：加深夜谈谈子微信（微信号:SYTT-midnightalks2）并回复【听众群】即可进群。

Le TDAH en 10 questions clés avec le psychiatre Pr Nader Perroud. Pourquoi les personnes avec un TDAH ont-elles si souvent des difficultés à s'endormir ou à se réveiller ? Le manque de sommeil peut-il aggraver les symptômes du TDAH, voire en expliquer une partie ? Comment retrouver un rythme plus stable et préserver son attention au quotidien ? Sommeil, rythmes circadiens, dopamine, mélatonine et nouvelles pistes de recherche : le Pr Nader Perroud nous aide à comprendre pourquoi le sommeil est devenu un enjeu majeur dans la prise en charge du TDAH et partage des solutions concrètes pour mieux dormir.Liste des Centres spécialisés TDAH Bienvenue dans la série de ROUTINES & RITUELS : le TDAH en 10 questions clés avec le Pr Nader Perroud, psychiatre spécialiste du TDAH, auteur notamment de TDAH, mode d'emploi aux Arènes BD et de Le TDAH chez l'adulte chez Eyrolles. Pendant 4 semaines, chaque vendredi, nous vous proposons d'explorer le TDAH dans toute sa richesse et sa complexité : ses multiples visages, le rôle du corps et des rythmes, l'influence des hormones chez les femmes, ainsi que l'intensité émotionnelle qui l'accompagne.Une citation avec le Pr Nader Perroud :"Les difficultés d'attention pourraient être des micro-endormissements."À réécouter : Oubliez tout ce que vous croyez savoir sur le TDAHPourquoi le TDAH fait vivre si intensément ?Pourquoi tant de femmes découvrent leur TDAH après 40 ans ?Recevez chaque semaine l'inspirante newsletter Métamorphose par Anne GhesquièreDécouvrez Objectif Métamorphose, notre programme en 12 étapes pour partir à la rencontre de soi-même.Suivez nos RS : Insta, Facebook et TikTokAbonnez-vous sur Apple Podcasts / Spotify / Deezer / Castbox / YouTubeSoutenez Métamorphose en rejoignant la Tribu MétamorphoseThèmes abordés lors du podcast avec le Pr Nader Perroud :00:00Introduction02:04TDAH et sommeil perturbé07:54Le TDAH, une pathologie du sommeil ?17:55Retrouver une hygiène du sommeil28:07Mieux se connaitre pour mieux vivre son TDAHAvant-propos et précautions à l'écoute du podcast Photo DR Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

“孤独之心俱乐部”回归！这一次，晓辉老师和划水怪不再聊风花雪月，直接点评互联网奇怪的现状！从网络热词“老登”切入，他们剖析了从“油腻”和“老登”的区别，从一句东北方言，到如今对所有成年男性的无差别攻击，这个词背后是一种深深的疏离感和对立情绪。韩红在冯小刚最新电影《抓特务》的首映礼上，一句“走个面儿”引发的舆论风暴，甚至牵连其慈善事业，背后究竟孰是孰非？蒋方舟论文翻车事件后，网友疯狂翻旧账落井下石，如今大众总盼着公众人物跌落，却很少有人愿意客观完整看待一件事。话不多说，快来听节目吧～更多精彩内容，欢迎收听本期节目~主播 / 相征 宋晓辉音频后期 / 昊宇、陆凯BBBBUDDHA音频上传 / 恬恬-本节目由深夜谈谈 Midnight Network出品 -Timeline00:03:11 从“油腻”到“老登”00:12:17 20年前也是个“愤青”00:19:49 对国产电影质量下滑00:31:33 电影《抓特务》争议与韩红事件00:45:02 当代公益的困境00:56:10 网络声量与算法推送的误导性分析 01:03:58 沉默的螺旋效应01:08:21 短视频冲击下的电影行业01:12:47 电影评价标准是怎么样的？01:26:39 聊聊蒋方舟事件01:36:48 怎么看待抖音高赞内容01:47:53 网络上的极端情绪01:53:15 ABBA - Crazy World恰逢周年，大内十三周年限定主题周边正式上线。在香港的俚语里，“My Cup Of Tea”代表合心我意、投缘，于是我们将Tea替换成T恤的缩写Tee，于是就有了“MY CUP OF TEE 係我杯茶”的周年主题。而本次周边分为是定制马克杯、主题T恤两款单品，也推出了成套纪念礼盒（礼盒附赠随机主播签名嗷）～藏式金刚断烦恼，紫檀咒珠守心安。二十八宿催红鸾，甲子莲蓬伴流年。大内上新四款手串，愿你遇事不慌，少些内耗，遇见真心，白首不离。微信搜索小程序“大内夜市”，把祝福戴在腕间，日子自有光亮。奔赴天山下的阿拉木图，给自己放个假！Gorillaz、Jack White 等传奇乐队轮番开唱。划水怪&miya带队大内专属小团，雪山峡谷、实弹射击、湖畔晚餐尽收眼底。2026.08.20-08.25​，诚邀你用旷野与音乐清空焦虑，共赴一场线下出逃，重置紧绷一整年的身心。​微信搜索小程序“大内夜市”，即可报名～​深夜谈谈招聘啦，本次开放岗位全职：1、视频编导（北京/上海） 2、商务BD&AE （上海）感兴趣的朋友们请发送求职信+简历+个人作品请发送至邮箱jobs@midnightalks.com-你还可以在这里找到我们：小红书：@深夜谈谈、@相征terry、 @miyaB站：@大内密谈midnightalks视频号&抖音：@深夜谈谈微博：@大内密谈微信公众号：大内密谈商务合作邮箱：biz@midnightalks.com加听众群：加深夜谈谈子微信（微信号:SYTT-midnightalks2）并回复【听众群】即可进群。

Most contractors are stuck on the bid list and don't know it. They tell themselves they're a preferred contractor. The numbers say otherwise. In this episode, Matthew Neuberger of Neuberger and Company joins Eric to break down why business development inside most construction companies fails, and the simple system that fixes it. Matthew runs a Sandler training franchise focused on contractors, so he sees this every day. What you'll learn: Why 60 to 70 percent of a growing contractor's revenue comes from inbound calls, not bid invitations The three-part business development system: owner list, contact cadence, weekly review The four signals that tell you which owners belong on your list Why a CRM and a LinkedIn presence are not business development How to use Eric's EAR framework to make BD accountability stick Matthew is offering a free business development assessment that pinpoints where your process is leaking revenue. Free Assessment: https://neuberger-sandler-22152421.hs-sites.com/tcc-eval-form Connect with Matthew Neuberger on LinkedIn: https://www.linkedin.com/in/neubergerco/  

“梦享相”组合回归，今天咱们聊聊哪段历史呢？从1773年波士顿倾茶事件到1997年香港回归，有这样四位关键人物串起一部“殖民者撤退史”。哈钦森身为北美殖民地总督，却一心想当“精神英国人”，暴力镇压导致独立战争打响，晚年客死伦敦连祖坟都被刨了。贝尔福1917年用67个英文单词写下宣言，既说支持犹太复国，又说不损害阿拉伯人权利，这种模棱两可的态度成了中东火药桶的引信。蒙巴顿更是离谱，1947年用5周时间画一条线，把印度硬生生劈成两块，死伤百万。彭定康1992年空降香港，表面亲民吃汉堡坐地铁，背地里搞政改、装窃听器，临走连警队档案都搬空。殖民者的“撤退指南”从来只有阴谋，没有善意。历史的车轮不会倒转，但殖民者留下的伤疤至今未愈。更多精彩内容，欢迎收听本期节目~主播 / 相征 嘉宾 / 李享 张无梦音频后期 / 昊宇音频上传 / 恬恬-本节目由深夜谈谈 Midnight Network出品 -Timeline00:04:09 日不落帝国的含义是？00:11:41 英国在北美的最后一代总督00:32:55 “西亚病夫”说的是谁？00:41:42 托灵媒问表姐在另一个世界的信息00:45:59 他可是菲利普亲王的舅舅00:51:03 冰冻航母？01:05:44 真不拿印度和巴基斯坦人民当人01:10:44 日本人的残忍程度是不足以被原谅的01:23:10 我要和广大的香港人民在一起01:37:10 彭定康和《潜伏》的吴站长一样01:53:15 好一个“弃船行动”02:01:50 搜出来100多个窃听器02:04:25 来算算他们都是什么命02:21:08 Bai Burea,Masta Kent,Bullet Rhymes - When Da Dawgs Come Out To Play恰逢周年，大内十三周年限定主题周边正式上线。在香港的俚语里，“My Cup Of Tea”代表合心我意、投缘，于是我们将Tea替换成T恤的缩写Tee，于是就有了“MY CUP OF TEE 係我杯茶”的周年主题。而本次周边分为是定制马克杯、主题T恤两款单品，也推出了成套纪念礼盒（礼盒附赠随机主播签名嗷）～藏式金刚断烦恼，紫檀咒珠守心安。二十八宿催红鸾，甲子莲蓬伴流年。大内上新四款手串，愿你遇事不慌，少些内耗，遇见真心，白首不离。微信搜索小程序“大内夜市”，把祝福戴在腕间，日子自有光亮。奔赴天山下的阿拉木图，给自己放个假！Gorillaz、Jack White 等传奇乐队轮番开唱。划水怪&miya带队大内专属小团，雪山峡谷、实弹射击、湖畔晚餐尽收眼底。2026.08.20-08.25​，诚邀你用旷野与音乐清空焦虑，共赴一场线下出逃，重置紧绷一整年的身心。​微信搜索小程序“大内夜市”，即可报名～​深夜谈谈招聘啦，本次开放岗位全职：1、视频编导（北京/上海） 2、商务BD&AE （上海）感兴趣的朋友们请发送求职信+简历+个人作品请发送至邮箱jobs@midnightalks.com-你还可以在这里找到我们：小红书：@深夜谈谈、@相征terry、 @miyaB站：@大内密谈midnightalks视频号&抖音：@深夜谈谈微博：@大内密谈微信公众号：大内密谈商务合作邮箱：biz@midnightalks.com加听众群：加深夜谈谈子微信（微信号:SYTT-midnightalks2）并回复【听众群】即可进群。