Podcasts about Bernstein

Today's episode is a special feature from the Vault, with James Conlon, LA Opera Conductor Laureate, whom we couldn't be more excited to have returning to the LA Opera podium this season to conduct “The Marriage of Figaro.” In this episode, Conlon discusses renaissance man Leonard Bernstein, growing up in Bernstein's New York City, and Bernstein's unique gift for connecting with people. Conlon also illustrates how Bernstein's “Candide” is just as timely now as it was in the 1950's, tackling challenging political themes with humanity, humor, and grace. Get your tickets now to “Candide” and “The Marriage of Figaro” as part of season packages at LAOpera.org.

The S&P 500 and Nasdaq both snapping three-week win streaks as yields continue their climb. The traders debate the next move for markets and what we could hear from Fed officials next week in Jackson Hole. Then, the Chart Master gives his technical take on Nvidia as the world's largest company gears up to report earnings on Wednesday, and Bernstein analyst Stacy Rasgon lays out what investors need to hear from the chipmaker. Plus, Bitcoin's big bounce, the hype over perpetual futures and Ross Stores rings up big gains. Fast Money Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Bitcoin's rally is accelerating, with BTC climbing toward $78,000 as improving global liquidity, heavy ETF buying, and another massive short squeeze drive the market higher. Matt breaks down roughly $1.6 billion in Bitcoin ETF inflows this week, $3.3 billion in liquidated shorts, and a surge in South Korean retail trading. He also looks at bullish forecasts from Bernstein and Standard Chartered, while questioning whether Bitcoin can break and hold above the psychologically important $80,000 level. The episode also covers Strategy moving back into profit on its massive Bitcoin position, South Korea pushing deeper into tokenized funds and real-world assets, Trump's continued push for the CLARITY Act, and AI use in crypto crime rising sharply. Matt remains cautious despite the sudden return of greed, arguing that the catalysts behind the rally are real, but a powerful bear-market rally still isn't necessarily the beginning of a new bull market. Happy HODLing. Hosted on Acast. See acast.com/privacy for more information.

In this episode of Naked Age, we meet composer, conductor and pianist Leonard Lehrman and soprano Helene Williams, whose lives together have unfolded at the unlikely intersection of opera, political activism and naturism.Leonard's musical life connects him to some of the defining artists and political movements of the twentieth century, from studying with Nadia Boulanger and Elie Siegmeister to working in the orbit of Leonard Bernstein, championing the music of Marc Blitzstein, attending the March on Washington and drawing inspiration from historian Howard Zinn. In 1987, Helene auditioned for the title role in Leonard's E.G.: A Musical Portrait of Emma Goldman. The collaboration that followed became both an artistic partnership and, eventually, a marriage.Together, Leonard and Helene brought opera, cabaret and musical theater into naturist spaces around the world. Their performances could move from Bernstein and Rossini to political songs, mermaid operas, naked cabaret and Leonard's own Naturist Anthem, sometimes with considerably less costuming than an opera audience might expect. Their story asks what happens when a lifetime devoted to serious music, radical politics and individual freedom refuses to keep those things in separate boxes.Listen to all episodes of Naked Age at www.nakedage.co, or find them wherever you get your podcasts.

Summer may be coming to a (merciful) end for Andy and Brendan soon, but not before LIV Golf will finish its 2026 season and maybe entire existence! The two dive into all of the news surrounding this week's makeshift season-ending event in Indianapolis, covering the latest rumors about Jon Rahm's next move, reports of new lawsuits from vendors, and the fact that players have not yet been paid for their finishes at LIV New York. The Boys are already in the great town of Indianapolis and are being encouraged to go "full Woodward and Bernstein" at what may be LIV Golf's final event. PJ is not exactly up for this massive challenge and was looking forward to a week of bits, but things have gotten more serious than anticipated. Andy and Brendan wonder about what players like Jason Kokrak, Talor Gooch, and even Dustin Johnson do next if this is, in fact, the end of the road for LIV as we know it. On the PGA Tour, the once-Western Open heads to Bellerive for another week of sweaty playoff golf. Andy wants this event to break ties with its Western Open heritage and has absolutely no interest in discussing the golf course or the test at hand for the FedEx Cup top 50. Brendan runs through the rest of a loaded Schedule for the Week, including TWO Canadian events, another sponsor invite for Blockie, and the U.S. Senior Women's Open. To wrap things up, the two discuss the Walker Cup picks for Team GB&I before sending The Boys into the unknown at LIV Indy. Experience the power, precision and versatility of Mercedes-Benz SUVs. Visit your local dealer for exceptional offers during the Welcome Home Celebration, going on now. Visit mbusa.com to learn more.See omnystudio.com/listener for privacy information.

Elizabeth Burton, Chief Strategist at Fortress Investment Group, assesses the broader investment landscape and where she sees opportunity as investors balance growth against emerging risks. Health care takes center stage as Courtney Breen of Bernstein breaks down developments involving Moderna and Merck and what they mean for biotech and pharmaceutical investors as both stocks soar following promising results in a late-stage trial. Moderna jumped nearly 200%. Lo Toney of Plexo Capital tackles a key question in the AI race: is OpenAI losing momentum? Our Eunice Yoon reports on a Chinese humanoid robotics company going public and what the deal reveals about China's ambitions in robotics and AI. Finally, Kate McShane of Goldman Sachs analyzes the latest retail movers, reacts to Target and previews Walmart earnings as investors search for fresh signals on the health of the consumer. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Wahrscheinlich hatte ihn als Kind einfach nur das knallrote Plattencover neugierig gemacht. Doch dann zog ihn die Musik der „West Side Story“ sofort in ihren Bann.

Elul is the 12th and final month of the Jewish calendar year. Elul Unbound is a Judaism Unbound initiative all about making Elul meaningful, through creative digital modalities. In this conversation, Lex Rofeberg and Wendie Bernstein Lash kick off this year's Elul Unbound experience. This Elul bonus episode is the first in a series of four that will be released as part of Elul Unbound 2026. -------------------------------------- Energized about Jewish learning and unlearning? Dive into our upcoming 3-week mini-courses in the UnYeshiva! Classes include Jewish Time Travel: Discovering the Shapes of Our Past and Future (Xava De Cordova), Avinu Malkeinu? Is God "Our King" (Laynie Soloman), and Hannah, Hagar, Sarah: The Women of Rosh Hashanah (Alicia Jo Rabins). Head to JudaismUnbound.com/classes to learn more! Financial aid is available for all who need it. To check out all our Elul bonus episodes from previous years, which can still be relevant to your experience of Elul this time around, click here. Join our bi-weekly journey through Elul Unbound 2026 by signing up at this link, and sign up for our Elul Unbound Shabbat gatherings here, where we will be forging our kavanot (intentions) for the new year in real time with fellow Unbounders.

Celebrity stylist Erin Walsh helps dress A-list stars including Anne Hathaway and Selena Gomez. Now she wants to help you dress you. She joins us with New York Times-bestselling author and renowned spiritual speaker Gabby Bernstein to talk about her new book, The Art of Intentional Dressing: Your Essential Style Guide for Manifesting a Magnetic Life. Walsh's approach to fashion is centered on the idea that what you wear can empower you to manifest the life you want to live. Hear her talk with Bernstein about her "CREATE" method – the clarity, ritual, edit, align, truth, expansion she urges us all to apply to building our wardrobes and getting dressed every day. Hear Walsh embolden you to trust your intuition, see your closet as a portal of possibilities, and dress for your destiny. Come away changing your internal question, "What should I wear?" to "Who do I want to be today?" – then let your clothes help you be it.

Analyst upgrades and downgrades are behind some of the biggest morning movers kicking off the final trading session of the week. Jenny Horne explains why HSBC downgraded Cisco (CSCO) after earnings. On the other side of the Street, Bernstein issued an upgrade for Wayfair (W) while Wells Fargo and JPMorgan upgraded Fox (FOXA). ======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Can changing what you eat treat depression, anxiety, and even psychosis more effectively than medication alone? In this episode of Food Junkies, Dr. Vera Tarman sits down with Dr. Matt Bernstein, MD, psychiatrist and CEO of Accord, to unpack the emerging field of metabolic psychiatry — and what it means for people recovering from food addiction. Dr. Bernstein trained at Columbia, Penn, and the MGH-McLean Psychiatry Program before shifting from traditional hospital-based psychiatric care toward lifestyle-based interventions: nutrition, sleep, light, and movement. He now serves on the advisory board of Metabolic Mind and helped organize the first public conference on metabolic psychiatry in 2023. In this conversation, Dr. Bernstein and Dr. Tarman explore how brain energy metabolism — not just neurotransmitters — may be a root driver of conditions like depression, bipolar disorder, schizophrenia, and Alzheimer's, and why ketogenic and low-carbohydrate approaches are showing early but compelling results for food cravings, food noise, and psychiatric symptom relief. In This Episode, You'll Learn: Why Dr. Bernstein moved away from conventional psychiatric medication models toward metabolic approaches How brain insulin resistance can contribute to depression, bipolar disorder, and schizophrenia The role of mitochondria, oxidative stress, and the gut-brain axis in mental illness How ketones act as an alternative brain fuel — and why that matters for insulin-resistant neurons The connection between brain insulin resistance and Alzheimer's risk decades before symptoms appear How ketogenic and low-carb diets naturally reduce food cravings and "food noise" for people with food addiction What a day in the Accord immersive metabolic psychiatry program actually looks like Why combining diet, exercise, circadian rhythm alignment, and mind-body practices produces faster results than any single intervention alone How GLP-1 medications compare to ketogenic diets for reducing food noise and cravings — and where each may fall short The risks of rapid or unsupported psychiatric medication tapering, and why "hyperbolic tapering" matters What to watch for (and troubleshoot) if a ketogenic diet isn't producing results after several weeks Guest Dr. Matt Bernstein, MD is a psychiatrist and CEO of Accord, an immersive metabolic psychiatry program near Boston. He is a leading voice in metabolic psychiatry, sits on the advisory board of Metabolic Mind, and helped organize the first public conference dedicated to the field in 2023. Connect with Dr. Matt Bernstein & Accord Website: https://accordmh.com/   Releasing What's Not Ours: Healing Food & Body Struggles Through IFS with Vanessa Kredler

This week on The KORE Women podcast, Dr. Summer Watson welcomes Claudia Noriega Bernstein, who is an artist, writer, philanthropist, mentor, inner-abundance coach for women and host of the podcast, “Don't Shrink to Fit.” Through her work, Claudia helps women rediscover their strength, embrace their authentic selves, and move beyond the limiting beliefs that often keep them stuck. In this inspiring conversation, we discuss self-empowerment, forgiveness, resilience, healthy boundaries, navigating life's transitions, and the courage it takes to become the woman you're meant to be. If you're ready to stop playing small and start living with greater confidence, purpose, and freedom, this episode is for you. You can connect with Claudia Noriega Bernstein on LinkedIn and Facebook. Facebook:  https://www.facebook.com/claudianoriegabernstein/ LinkedIn: https://www.linkedin.com/in/claudia-noriega-bernstein/ Thank you for taking the time to listen to the KORE Women podcast and being a part of the KORE Women experience. You can listen to The KORE Women podcast on your favorite podcast directory - Pandora, iHeartRadio, Apple Podcast, Google Podcast, YouTube, Spotify, Stitcher, Podbean, JioSaavn, Amazon and at: www.KOREWomen.com/podcast.  Please leave your comments and reviews about the podcast and check out KORE Women on Instagram, Twitter, and Facebook.  You can also learn more about Dr. Summer Watson, MHS, PhD, KORE Women, LLC, the KORE Women podcast, KORE Business Solutions (a Virtual Assistant service) and Cross-Generational Consultation Services by going to: www.korewomen.com.  Disclaimer: Each guest shares their own experiences and perspectives and is responsible for the accuracy of the statements they make, whether in the episode or in related content. #KOREWomenPodcast #SelfEmpowerment #PersonalGrowth #ConfidenceBuilding 

AI is creating a new cybersecurity arms race - and investors are taking notice. Michelle Martin looks at why CrowdStrike and Palo Alto Networks have hit record highs after Black Hat put the growing threat from AI agents firmly in focus. Could cybersecurity be the next major leg of the AI trade? Then, Microsoft is charging back, with Bernstein seeing a path to another 30% upside. TSMC’s sales surge 45% as AI hardware demand stays hot, while Intel turns to a US$15 billion stock offering to fund its ambitions. Also on Market View: Greg Abel begins putting Berkshire Hathaway’s enormous cash pile to work, Indonesian equities approach bull-market territory, and Singapore raises its 2026 growth forecast to 4.5–5.5%. Plus, what the latest DBS, OCBC and UOB results tell investors about the outlook for Singapore banks - and why Christopher Nolan’s The Odyssey has become a US$1.1 billion blockbuster. Hosted by Michelle Martin.See omnystudio.com/listener for privacy information.

This week on the Excess Returns Weekly Wrap, Jack Forehand and Matt Zeigler break down the AI capital spending boom, the risk that data center investment is crowding out housing and other parts of the economy, and what that means for markets. Featuring Richard Bernstein, David Rosenberg, Tian Yang, and Brent Donnelly, the episode covers AI CapEx, GDP growth, inflation, the K-shaped economy, AI ROI, and why rationality and Bayesian thinking matter more than raw intelligence for investors and traders.Topics coveredWhy the AI and data center boom may be misallocating capital away from housing and infrastructureWhat the dot-com bubble taught Richard Bernstein about investing where capital is scarceWhy AI related spending is approaching half of business CapEx while ex-AI investment is shrinkingHow today's K-shaped economy differs from the broad economic boom of the late 1990sThe difference between AI's contribution to GDP growth and its share of total GDPTian Yang's Kalecki-Levy framework for understanding spending, savings, income, and economic resilienceWhy a pullback in hyperscaler CapEx could weaken the spending and income loopWhy AI return on investment is so difficult to measure and how the profit pool could broaden beyond hardwareBrent Donnelly on why rationality and flexibility matter more than credentials or raw intelligenceWhy persistent bearishness can become a major investing mistakeHow Bayesian thinking, position sizing, and changing your mind help investors stay in the gameTimestamps00:02 Rich Bernstein and David Rosenberg reunite and this week's lineup04:10 The dot-com lesson: what happens when capital floods one sector08:15 AI CapEx, inflation, and why today's economy is different from the 1990s13:58 Kalecki-Levy: how spending and savings are keeping growth resilient18:03 AI CapEx concentration, productivity, and the uncertainty around ROI22:21 Brent Donnelly on why rationality beats intelligence26:21 Strong opinions, flexibility, and Bayesian thinking30:33 What traders and market makers can teach long-term investorsLearn more about the Excess Returns podcast network:https://excessreturns.coNo information discussed in this podcast should be construed as investment advice. Securities discussed may be held by the hosts and guests, their firms or their clients.

Nieuwe, pas uitgekomen opnames en een aantal gouwe-ouwe oudgedienden: een heel gevarieerd uurtje jazz in deze TORcast. Playlist: John Pizzarelli: Rags To Riches; Harold Mabern, Jane Monheit: My One and Only Love; Dubbelaar: Nicholas Payton, Butcher Brown: Acknowledgement ( A Love Supreme); John Coltrane: Acknowledgement (A Love Supreme); Branford Marsalis Quartet, Dianne Reeves: They Say It’s Wonderful; Lizz Wright, Kenny Banks: Soon I Will Be Done; Goldings, Bernstein, Steward: Hi-Fly; Chad Lefkowitz-Brown: Make You Feel My Love; Rob van Bavel: De Tor Ahead.

Richard Bernstein and David Rosenberg reunite to debate the Federal Reserve, inflation, the AI investment boom, market bubbles, gold and the case for international diversification. The former Merrill Lynch colleagues examine whether the Fed should raise rates, how AI CapEx is reshaping the U.S. economy, why credit markets may lead the AI trade, what is driving gold, and where investors may find opportunities outside the mega-cap U.S. market.Topics coveredWhy the Taylor Rule points toward higher rates and why Rosenberg thinks the Fed should not hikeWhat slowing GDP growth, productivity and labor costs suggest about underlying inflationHow AI CapEx and data center spending may be misallocating capital away from housing and the broader economyWhy the current AI boom differs from the late-1990s technology bubbleHow credit spreads, CDS markets and financing costs could signal trouble in the AI trade before equities doWhat real interest rates, the U.S. dollar and central bank demand mean for goldWhy Bernstein views gold as a portfolio spare tire rather than a short-term tradeWhy non-U.S. stocks and international markets may offer a better valuation and growth opportunityHow AI exposure extends beyond the Mag Seven into financials, industrials and utilitiesWhy CAPE valuations, leverage, sentiment and market positioning point to a highly speculative U.S. marketWhy diversification becomes most unpopular when investors may need it mostWhat Bob Farrell's market rules say about crowded positioning and consensus forecastsTimestamps00:00 Introduction08:31 Why Rosenberg thinks the Fed should not hike16:02 AI, data centers and capital misallocation25:08 What is driving gold: real rates, the dollar and central banks36:11 Why Bernstein sees a secular shift toward non-U.S. stocks41:41 How AI concentration extends beyond the technology sector48:31 International diversification as protection from AI concentration54:06 Bob Farrell's Rule 9 and the danger of consensus1:00:06 The housing-cycle warning Bernstein and Rosenberg saw before the financial crisisLearn more about the Excess Returns podcast network:https://excessreturns.coNo information discussed in this podcast should be construed as investment advice. Securities discussed may be held by the hosts and guests, their firms or their clients.

Lauren's guest is Bernstein analyst Luca Solca. They run through the Q2 2026 earnings reports from LVMH, Kering, Hermes, and more, and take a mid-year temperature check on the industry. Is luxury set for a major comeback, or is the middle ground the new normal for everyone but Chanel? Plus, Lauren reviews purchases from Nike Skims.

This week Zach is joined by author & screenwriter Samuel Garza Bernstein to chat about the subject of LGBTQIA+ creatives in the Golden Age of Hollywood and the impact of two of his subject, Roddy McDowell & Cesar Romero.   Join them as the two talk at length about the importance of these stories being brought to the front, how actors and directors navigated their sexual preference in in thee Old Hollywood system, how the content of film managed queer coded material before the production code, and finally shoot the breeze with candid chat about film from the credits of Romero and Roddy.   Be sure to pick up Sam’s two books discussed in today’s episode!   Cesar Romero: The Joker is Wild- https://a.co/d/07bgFnPl Roddy McDowell: An Actors Life- https://a.co/d/062q36Vr   and visit Samuels website to learn more about his prior and upcoming projects!— samuelgarzabernstein.com and give him a follow on social media! Facebook: https://www.facebook.com/samuel.bernstein.31/ Instagram: https://www.instagram.com/samgbernstein/

Dan Skelly of Morgan Stanley Wealth Management explains what's driving the rally and why stronger-than-expected second-quarter earnings continue to support equities. Tim Horan of Oppenheimer reacts to SpaceX's first report as a public company--shares fell after hours The other big earnings mover: AMD. Stacy Rasgon of Bernstein analyzes the results and explains what they signal for AI infrastructure, semiconductor demand and the competitive landscape. Bradley Tusk discusses AI executives heading to Washington, the policy debates taking shape around artificial intelligence and the growing influence of SpaceX. Plus, a preview of Disney earnings from Julia Boorstin and a look ahead at the next catalysts driving markets. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

John welcomes Rolling Stone writer Jonathan Bernstein to discuss the life, music, and legacy of Irish singer-songwriter Glen Hansard, who died tragically last week in a motorcycle crash at 56. Bernstein, who published a moving tribute to Hansard in the wake of his death, traces Glen's rise from Dublin busker to Oscar-winning star of the movie “Once” — and wrestles with why the death of this particular artist unleashed an unexpectedly large and intense outpouring of grief and appreciation across generations and around the world. Bayer is empowering American farms with the smart tools and accurate data needed to confidently advance regenerative agriculture, improving soil health for a sustainable future.

The Senate has limited time to vote on the Digital Asset Market Clarity Act before Senators leave Washington to return to their home states for summer recess․ The CLARITY Act was not included on the Senate calendar for the week of Monday‚ August 3‚ 2023‚ and there was no cloture petition for H․R․ 3633 on the cloture ledger for the same date․ ~This episode is sponsored by iTrust Capital~ iTrustCapital | Get $100 Funding Reward + No Monthly Fees when you sign up using our custom link! ➜ https://bit.ly/iTrustPaul Guest: Guest: Adam Minehardt - Chief Policy Officer at Hyperliquid Follow on X ➜ https://x.com/adam_minehardt 00:00 intro 00:10 Sponsor: iTrust Capital 01:00 Cody Carbone: Only one slim path for passage 02:30 What are the odds? 04:30 Ethics vs Yields 06:00 This is hyper political 07:00 Giancarlo: stop mentioning CLARITY? 08:10 Should we backdown? 10:00 Bernstein: we crashing 10:50 Anthony Scaramucci: call out Republicans 13:10 Lummis defends Republicans 14:45 What is the pay day for Dems? 15:10 How will CLARITY failure affect Hyperliquid? 16:20 Crypto shouldn't donate? 17:40 CLARITY needs more pages? 18:30 Ethics vs Stablecoins 19:15 NDAA vs CLARITY 19:50 Blame Thune? 20:30 Thune vs Banks 22:00 CLARITY autopsy 23:00 Pause crypto funding? 23:40 Bernie vs crypto 25:00 Crypto vs AIPAC 26:00 Crypto vs Surveillance 27:00 Stop talking about crypto? 28:00 CLARITY failing is priced n? 29:10 Vote out anti-crypto politicians? 30:30 Trump will blame dems? 31:30 HYPE will benefit from IPO season? 32:00 Clarity vs Binance 32:40 Elon should never mention crypto again? 33:30 Crypto will skyrocket if fails? #Crypto #Ethereum #Hyperliquid ~CLARITY Out of Time!?

Joshua Bernstein joins me for the final two segments to talk about his trip to Milwaukee, Dad Strength Beers and more. News from Troegs, Czig Meister, WNBA legend Tina Charles has a new beer. Beer festivals in Detroit and San Diego. Bero with Spider Man cans and Lagunitas wants to reward you and your dog. Full recap of Pizza Party from Kills Boro and Gary Monterosso weekly beer segment too.See omnystudio.com/listener for privacy information.

My guest today is the singular trumpeter, composer, and master of musical alchemy, Steven Bernstein. On June 5th, Steven dropped a massive double release on Royal Potato Family that looks both forward and backward, capturing a brilliant moment in time and then completely turning it inside out. The first half of this equation is the Steven Bernstein ResoNation Trio, featuring the incredible rhythm section of bassist Scott Colley and drummer Nasheet Waits. Recorded in 2023, it captures the raw acoustic energy of three masters in a room. But the story doesn't stop there. Bernstein handed those session tapes over to legendary producer and sonic architect Scotty Hard, who took the material and completely reimagined it. The result is Ultra Resonance—a masterclass in studio manipulation, groove, and sonic expansion. It's a fascinating look at how the same seed of improvisation can grow into two completely different musical ecosystems. We talk about the genesis of the session, the art of letting go in the studio, and what happens when live chemistry meets production genius.  

312 Sports' Dan Bernstein drops in for his Friday visit with Sherman and Tingle.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this milestone 300th episode, I celebrate this incredible podcast journey before sitting down with psychiatrist Dr. Matt Bernstein to explore the emerging field of metabolic psychiatry. We discuss how metabolism, nutrition, insulin resistance, ketones, exercise, and stress all influence brain health and mental wellness, and why improving metabolic health may be a powerful tool for supporting everything from brain fog and anxiety to more serious mental health conditions.Dr. Matt Bernstein is a board-certified psychiatrist and one of the leading voices in the emerging field of metabolic psychiatry. With more than 25 years of clinical experience, he specializes in helping individuals achieve lasting recovery from serious mental illness through nutrition and metabolic therapies. He is the founder of Accord, a comprehensive metabolic psychiatry program, and has served in leadership roles at McLean Hospital and Ellenhorn. Dr. Bernstein also lectures nationally, advises several mental health organizations, and helps advance research exploring the role of metabolism in brain health.Links mentioned during this episode:Accord website: www.accordmh.comDr. Bernstein's LinkedIn: www.linkedin.com/in/mattbernsteinmdWant to be featured on Wellness Your Way as a Lyons' Share 1:1 client? Email Support@TheLyonsShare.org Free Initial Consultation with Dr. Megan: https://p.bttr.to/3a9lfYk Lyons' Share Instagram: www.instagram.com/thelyonsshareJoin Megan's newsletter: www.thelyonsshare.org/newsletter

Most episodes of this podcast deal with the here and now, the day-to-day cut and thrust of what is going on in the market. This podcast is completely different because it gives us a view into the future of broking. Clyde Bernstein is the Placement Technology & Trading Analytics Leader at Aon and in the first half of this podcast we examine the global broker's new Digital Placement Exchange (DPX) placing system, designed to automate the placing of following lines. Once that essential building block of the conversation is out of the way, the interview really begins to take off. What Aon is in the middle of doing is removing friction and cost from the placing process, while fully connecting all its brokers with the whole global market and all the insights the vast amount of risk and market data it has at its disposal can afford. Exploring the logical medium- and long-term consequences for the market is the really interesting part of our discussion. The transformation is profound. A market with far greater liquidity, access to deeper pools of capital and an ability to trade risk much faster and more efficiently is what emerges. Productivity, customer service and product innovation should also surge. The role of the broker could also change fundamentally. But the best thing about this conversation is not the clarity of the blue-sky thinking on display, but rather the fact that the person shaping the vision is resolutely a broker and not a technologist. In his long career Clyde has brokered claims, reinsurance and specialty risks. He is one of us – a lifelong broker who has learnt to engage with cutting edge technology and not the other way around. This means that our discussion is always grounded from the perspective of the real life of a broker solving client problems and not the utopian vision of a technologist who has never placed a risk or paid a claim. It's mind-expanding stuff and one of the best discussions on the future of broking I have ever recorded. I highly recommend a listen. LINKS: We thank our naming sponsor AdvantageGo, now part of Sapiens: https://www.advantagego.com

In this episode, Megan and Frank discuss the secret CIA mind control program known as MKUltra. Is mind control really possible? What ethical norms should govern human subjects research? And should those rules be flexible in the face of an existential threat?To investigate some of these questions, this episode contains a guest interview with Dr. Justin Bernstein (University of Virginia). Dr. Bernstein joins the podcast to discuss questions relating to research ethics, the relationship between politics and morality, and trust in public health institutions. Hosts' Websites:Megan J Fritts (google.com)Frank J. Cabrera (google.com)Email: philosophyonthefringes@gmail.com-----------------------Bibliography:John Lisle, "Project Mind Control: Sidney Gottlieb, the CIA, and the Tragedy of MKULTRA" (St. Martin's Press, 2025)Reciprocity, Vulnerability, and the Moral Significance of Herd Immunity - Bernstein - 2023 - Journal of Applied PhilosophyInterim Framework for COVID-19 Vaccine Allocation and Distribution in the United StatesJustin Bernstein, Athmeya Jayaram & Brian Hutler, Assessing The Liberty-Based Case Against Pandemic Lockdowns - PhilPapersBuilding trust while influencing online COVID-19 content in the social media world - PMCPolitical Realism | Internet Encyclopedia of PhilosophyWe Built Reality - Hardcover - Jason Blakely - Oxford University PressMachiavelli - The Prince | Project GutenbergRawls - A Theory of Justice: Revised Edition-----------------------Cover Artwork by Logan Fritts-------------------------Music from #Uppbeat (free for Creators!):https://uppbeat.io/t/simon-folwar/neon-signsLicense code: 0RHIQO3EGPUDF8Z9

Join us for a live studio session with one of our great musicians and purveyors of popular song, Steven Blier, of the New York Festival of Song. Steve takes us through (and plays) thrilling theater songs by Kern, Blitzstein, Bernstein, Gilbert and Sullivan and more.

What made a generation of Jewish artists and intellectuals transform American culture? In this episode, Rabbi Marc Katz sits down with acclaimed cultural critic David Denby to discuss his book Eminent Jews: Bernstein, Brooks, Friedan, Mailer (Henry Holt, 2025), a vibrant portrait of four extraordinary Americans whose Jewish identities helped shape the modern United States. Though they worked in vastly different fields, Leonard Bernstein, Mel Brooks, Betty Friedan, and Norman Mailer shared a remarkable historical moment. Coming of age after World War II, they entered an America where Jewish opportunity was expanding and antisemitism was beginning to recede. Their Jewish heritage, energized by the freedoms of American life, fueled bold, unconventional careers that reshaped music, comedy, literature, feminism, and public debate. Denby paints these figures in all their complexity: ambitious, difficult, generous, provocative, and endlessly creative. Rather than offering simple hero worship, he explores how their outsized personalities and relentless drive allowed them to challenge old assumptions about art, politics, gender, humor, and what it meant to be both fully Jewish and fully American. Together, Denby and Katz explore why this particular generation produced so many cultural revolutionaries, how Jewish identity informed their work without defining it, and what their legacies reveal about the changing place of Jews in postwar America. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

What made a generation of Jewish artists and intellectuals transform American culture? In this episode, Rabbi Marc Katz sits down with acclaimed cultural critic David Denby to discuss his book Eminent Jews: Bernstein, Brooks, Friedan, Mailer (Henry Holt, 2025), a vibrant portrait of four extraordinary Americans whose Jewish identities helped shape the modern United States. Though they worked in vastly different fields, Leonard Bernstein, Mel Brooks, Betty Friedan, and Norman Mailer shared a remarkable historical moment. Coming of age after World War II, they entered an America where Jewish opportunity was expanding and antisemitism was beginning to recede. Their Jewish heritage, energized by the freedoms of American life, fueled bold, unconventional careers that reshaped music, comedy, literature, feminism, and public debate. Denby paints these figures in all their complexity: ambitious, difficult, generous, provocative, and endlessly creative. Rather than offering simple hero worship, he explores how their outsized personalities and relentless drive allowed them to challenge old assumptions about art, politics, gender, humor, and what it meant to be both fully Jewish and fully American. Together, Denby and Katz explore why this particular generation produced so many cultural revolutionaries, how Jewish identity informed their work without defining it, and what their legacies reveal about the changing place of Jews in postwar America. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/jewish-studies

What made a generation of Jewish artists and intellectuals transform American culture? In this episode, Rabbi Marc Katz sits down with acclaimed cultural critic David Denby to discuss his book Eminent Jews: Bernstein, Brooks, Friedan, Mailer (Henry Holt, 2025), a vibrant portrait of four extraordinary Americans whose Jewish identities helped shape the modern United States. Though they worked in vastly different fields, Leonard Bernstein, Mel Brooks, Betty Friedan, and Norman Mailer shared a remarkable historical moment. Coming of age after World War II, they entered an America where Jewish opportunity was expanding and antisemitism was beginning to recede. Their Jewish heritage, energized by the freedoms of American life, fueled bold, unconventional careers that reshaped music, comedy, literature, feminism, and public debate. Denby paints these figures in all their complexity: ambitious, difficult, generous, provocative, and endlessly creative. Rather than offering simple hero worship, he explores how their outsized personalities and relentless drive allowed them to challenge old assumptions about art, politics, gender, humor, and what it meant to be both fully Jewish and fully American. Together, Denby and Katz explore why this particular generation produced so many cultural revolutionaries, how Jewish identity informed their work without defining it, and what their legacies reveal about the changing place of Jews in postwar America. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/biography

What made a generation of Jewish artists and intellectuals transform American culture? In this episode, Rabbi Marc Katz sits down with acclaimed cultural critic David Denby to discuss his book Eminent Jews: Bernstein, Brooks, Friedan, Mailer (Henry Holt, 2025), a vibrant portrait of four extraordinary Americans whose Jewish identities helped shape the modern United States. Though they worked in vastly different fields, Leonard Bernstein, Mel Brooks, Betty Friedan, and Norman Mailer shared a remarkable historical moment. Coming of age after World War II, they entered an America where Jewish opportunity was expanding and antisemitism was beginning to recede. Their Jewish heritage, energized by the freedoms of American life, fueled bold, unconventional careers that reshaped music, comedy, literature, feminism, and public debate. Denby paints these figures in all their complexity: ambitious, difficult, generous, provocative, and endlessly creative. Rather than offering simple hero worship, he explores how their outsized personalities and relentless drive allowed them to challenge old assumptions about art, politics, gender, humor, and what it meant to be both fully Jewish and fully American. Together, Denby and Katz explore why this particular generation produced so many cultural revolutionaries, how Jewish identity informed their work without defining it, and what their legacies reveal about the changing place of Jews in postwar America. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/american-studies

What made a generation of Jewish artists and intellectuals transform American culture? In this episode, Rabbi Marc Katz sits down with acclaimed cultural critic David Denby to discuss his book Eminent Jews: Bernstein, Brooks, Friedan, Mailer (Henry Holt, 2025), a vibrant portrait of four extraordinary Americans whose Jewish identities helped shape the modern United States. Though they worked in vastly different fields, Leonard Bernstein, Mel Brooks, Betty Friedan, and Norman Mailer shared a remarkable historical moment. Coming of age after World War II, they entered an America where Jewish opportunity was expanding and antisemitism was beginning to recede. Their Jewish heritage, energized by the freedoms of American life, fueled bold, unconventional careers that reshaped music, comedy, literature, feminism, and public debate. Denby paints these figures in all their complexity: ambitious, difficult, generous, provocative, and endlessly creative. Rather than offering simple hero worship, he explores how their outsized personalities and relentless drive allowed them to challenge old assumptions about art, politics, gender, humor, and what it meant to be both fully Jewish and fully American. Together, Denby and Katz explore why this particular generation produced so many cultural revolutionaries, how Jewish identity informed their work without defining it, and what their legacies reveal about the changing place of Jews in postwar America. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/art

Do tanque e do porta-aviões do século XX aos drones baratos que destroem tanques de milhões, da IA que escolhe alvos em segundos (Lavender, Maven, Claude Mythos) aos robôs que já caminham no campo de batalha: neste episódio mergulhamos na maior revolução da tecnologia de guerra dos últimos 100 anos. Do “laboratório” da Ucrânia de drones FPV e fibra óptica, a IA transformou a decisão de matar em algoritmo, passando pela guerra de narrativas com deepfakes que ninguém mais sabe o que é real e o que está acontecendo. Guerra mais eficiente significa guerra melhor… ou só mais frequente e impessoal? Patronato do SciCast: 1. Patreon SciCast 2. Apoia.se/Scicast 3. Nos ajude via Pix também, chave: contato@scicast.com.br ou acesse o QRcode: Sua pequena contribuição ajuda o Portal Deviante a continuar divulgando Ciência! Contatos: contato@scicast.com.br https://twitter.com/scicastpodcast https://www.facebook.com/scicastpodcast https://www.instagram.com/PortalDeviante/ Fale conosco! E não esqueça de deixar o seu comentário na postagem desse episódio! Expediente: Produção Geral: Tarik Fernandes e André Trapani Equipe de Gravação: Luis Filipe Herdy, Gustavo Rebello, Gabriela Reciputti, Roberto Spinelli, Willian Spengler Citação ABNT: Scicast #692: Guerra sem humanos. Locução: Luis Filipe Herdy, Gustavo Rebello, Gabriela Reciputti, Roberto Spinelli, Willian Spengler. [S.l.] Portal Deviante, 20/07/2026. Podcast. Disponível em: https://www.deviante.com.br/podcasts/scicast-692 Imagem de capa: O drone russo KNV, com munição (verde) à frente e unidade de desenrolar de fibra óptica (em preto) atrás - Divulgação/Uchkuinik Referências e Indicações Sugestões de literatura: REBELLO, Gustavo. O uso militar de IAs: a ficção científica parou de ser inofensiva. Portal Deviante, 17 mar. 2026. Disponível em: https://www.deviante.com.br/noticias/o-uso-militar-de-ias-a-ficcao-cientifica-parou-de-ser-inofensiva/. Acesso em: 29 abr. 2026. HOROWITZ, Michael. Entrevista concedida a Tyler Rogoway et al. How America’s Shahed-136 Kamikaze Drone Clone Became an Indispensable Weapon of War. The War Zone, 9 abr. 2026. Disponível em: https://www.twz.com/news-features/how-americas-shahed-136-clone-became-an-indispensable-weapon-of-war. Acesso em: 29 abr. 2026. BERNSTEIN, Yuval et al. ‘Lavender’: The AI machine directing Israel’s bombing spree in Gaza. +972 Magazine, Tel Aviv, 3 abr. 2024. Disponível em: https://www.972mag.com/lavender-ai-israeli-army-gaza/. Acesso em: 29 abr. 2026. CUKOR, Drew et al. Project Maven: A Marine Colonel, His Team, and the Dawn of AI Warfare. Nova York: HarperCollins, 2026. (Trechos disponíveis em: https://www.wired.com/story/project-maven-katrina-manson-book-excerpt/). DEPARTMENT OF DEFENSE (EUA). Project Maven (Algorithmic Warfare Cross Functional Team). Washington, DC: DoD, 2017. Disponível em: https://en.wikipedia.org/wiki/Project_Maven. Acesso em: 29 abr. 2026. FEDOROV, Mykhailo. Ukraine overcomes critical obstacle to using fiber-optic drones. Defense Ministry of Ukraine, Kiev, 21 abr. 2026. Disponível em: https://www.msn.com/en-us/news/world/ukraine-overcomes-critical-obstacle-to-using-fiber-optic-drones/vi-AA21o96u. Acesso em: 29 abr. 2026. FOUNDATION ROBOTICS. Phantom MK-1 humanoid robot deployed to Ukraine for testing. Business Insider, 25 mar. 2026. Disponível em: https://www.businessinsider.com/foundation-humanoid-robot-soldier-ukraine-testing-2026-4. Acesso em: 29 abr. 2026. LEE, Lloyd. Foundation Wants to Build an Army of Humanoid Robot Soldiers. Business Insider, 25 mar. 2026. Disponível em: https://www.businessinsider.com/foundation-humanoid-robot-soldier-ukraine-testing-2026-4. Acesso em: 29 abr. 2026. SCHANAHAN, Jack. Inside the Pentagon’s Project Maven. YouTube, 2026. Disponível em: https://www.youtube.com/watch?v=Il-DWtgfqTk. Acesso em: 29 abr. 2026.WIRED. Meet the Gods of AI Warfare. Wired, 23 mar. 2026. Disponível em: https://www.wired.com/story/project-maven-katrina-manson-book-excerpt/. Acesso em: 29 abr. 2026. Sugestões de filmes: Decisão de Risco (2015, dir. Gavin Hood) – Eye in the Sky: Drone warfare, “human in the loop” Slaughterbots (2017, curta-metragem da Future of Life Institute) – 8 minutos que mostram enxames de drones autônomos Resistência (2023, dir. Gareth Edwards) – The Creator: Guerra futurista com IA e robôs humanoides Jogos de Guerra (1983) – WarGames: Clássico sobre IA e guerra nuclear automatizada (liga direto com o “Dead Hand”). Sugestões de vídeos: https://www.youtube.com/watch?v=fa8k8IQ1_X0 Sugestões de links: https://www.bloomberg.com/news/articles/2024-07-22/ubi-study-backed-by-openai-s-sam-altman-bolsters-support-for-basic-income https://www.anthropic.com/research/exploring-model-welfare https://www.anthropic.com/research/impact-software-development https://arxiv.org/pdf/2411.00986 Sugestões de games: Call of Duty: Modern Warfare II / III (2022-2023) – Uso realista de drones FPV, enxames e guerra eletrônica. DEFCON (2006, ou remakes modernos) – Simulação de guerra nuclear com sistemas automatizados de retaliação. Arma 3 com mods de drones ucranianos (comunidade) – Simulação tática de guerra assimétrica com FPV e fibra óptica. Six Days in Fallujah (2021) – Combate urbano moderno com IA e robótica See omnystudio.com/listener for privacy information.

Dan Niles of Niles Investment Management assesses the state of the AI trade and explains what could keep the sector moving higher—or derail its momentum. Our Contessa Brewer compares prediction markets with traditional sportsbooks before Ian Moore of Bernstein discusses what happens to sports betting companies after the tournament ends. Wall Street Journal Special Writer Greg Zuckerman explains why a surge in large stock sales and capital raising could become the next challenge for the bull market and whether investors should view the trend as a warning sign. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do tanque e do porta-aviões do século XX aos drones baratos que destroem tanques de milhões, da IA que escolhe alvos em segundos (Lavender, Maven, Claude Mythos) aos robôs que já caminham no campo de batalha: neste episódio mergulhamos na maior revolução da tecnologia de guerra dos últimos 100 anos. Do “laboratório” da Ucrânia de drones FPV e fibra óptica, a IA transformou a decisão de matar em algoritmo, passando pela guerra de narrativas com deepfakes que ninguém mais sabe o que é real e o que está acontecendo. Guerra mais eficiente significa guerra melhor… ou só mais frequente e impessoal? Patronato do SciCast: 1. Patreon SciCast 2. Apoia.se/Scicast 3. Nos ajude via Pix também, chave: contato@scicast.com.br ou acesse o QRcode: Sua pequena contribuição ajuda o Portal Deviante a continuar divulgando Ciência! Contatos: contato@scicast.com.br https://twitter.com/scicastpodcast https://www.facebook.com/scicastpodcast https://www.instagram.com/PortalDeviante/ Fale conosco! E não esqueça de deixar o seu comentário na postagem desse episódio! Expediente: Produção Geral: Tarik Fernandes e André Trapani Equipe de Gravação: Luis Filipe Herdy, Gustavo Rebello, Gabriela Reciputti, Roberto Spinelli, Willian Spengler Citação ABNT: Scicast #692: Guerra sem humanos. Locução: Luis Filipe Herdy, Gustavo Rebello, Gabriela Reciputti, Roberto Spinelli, Willian Spengler. [S.l.] Portal Deviante, 20/07/2026. Podcast. Disponível em: https://www.deviante.com.br/podcasts/scicast-692 Imagem de capa: O drone russo KNV, com munição (verde) à frente e unidade de desenrolar de fibra óptica (em preto) atrás – Divulgação/Uchkuinik Referências e Indicações Sugestões de literatura: REBELLO, Gustavo. O uso militar de IAs: a ficção científica parou de ser inofensiva. Portal Deviante, 17 mar. 2026. Disponível em: https://www.deviante.com.br/noticias/o-uso-militar-de-ias-a-ficcao-cientifica-parou-de-ser-inofensiva/. Acesso em: 29 abr. 2026. HOROWITZ, Michael. Entrevista concedida a Tyler Rogoway et al. How America's Shahed-136 Kamikaze Drone Clone Became an Indispensable Weapon of War. The War Zone, 9 abr. 2026. Disponível em: https://www.twz.com/news-features/how-americas-shahed-136-clone-became-an-indispensable-weapon-of-war. Acesso em: 29 abr. 2026. BERNSTEIN, Yuval et al. ‘Lavender': The AI machine directing Israel's bombing spree in Gaza. +972 Magazine, Tel Aviv, 3 abr. 2024. Disponível em: https://www.972mag.com/lavender-ai-israeli-army-gaza/. Acesso em: 29 abr. 2026. CUKOR, Drew et al. Project Maven: A Marine Colonel, His Team, and the Dawn of AI Warfare. Nova York: HarperCollins, 2026. (Trechos disponíveis em: https://www.wired.com/story/project-maven-katrina-manson-book-excerpt/). DEPARTMENT OF DEFENSE (EUA). Project Maven (Algorithmic Warfare Cross Functional Team). Washington, DC: DoD, 2017. Disponível em: https://en.wikipedia.org/wiki/Project_Maven. Acesso em: 29 abr. 2026. FEDOROV, Mykhailo. Ukraine overcomes critical obstacle to using fiber-optic drones. Defense Ministry of Ukraine, Kiev, 21 abr. 2026. Disponível em: https://www.msn.com/en-us/news/world/ukraine-overcomes-critical-obstacle-to-using-fiber-optic-drones/vi-AA21o96u. Acesso em: 29 abr. 2026. FOUNDATION ROBOTICS. Phantom MK-1 humanoid robot deployed to Ukraine for testing. Business Insider, 25 mar. 2026. Disponível em: https://www.businessinsider.com/foundation-humanoid-robot-soldier-ukraine-testing-2026-4. Acesso em: 29 abr. 2026. LEE, Lloyd. Foundation Wants to Build an Army of Humanoid Robot Soldiers. Business Insider, 25 mar. 2026. Disponível em: https://www.businessinsider.com/foundation-humanoid-robot-soldier-ukraine-testing-2026-4. Acesso em: 29 abr. 2026. SCHANAHAN, Jack. Inside the Pentagon's Project Maven. YouTube, 2026. Disponível em: https://www.youtube.com/watch?v=Il-DWtgfqTk. Acesso em: 29 abr. 2026.WIRED. Meet the Gods of AI Warfare. Wired, 23 mar. 2026. Disponível em: https://www.wired.com/story/project-maven-katrina-manson-book-excerpt/. Acesso em: 29 abr. 2026. Sugestões de filmes: Decisão de Risco (2015, dir. Gavin Hood) – Eye in the Sky: Drone warfare, “human in the loop” Slaughterbots (2017, curta-metragem da Future of Life Institute) – 8 minutos que mostram enxames de drones autônomos Resistência (2023, dir. Gareth Edwards) – The Creator: Guerra futurista com IA e robôs humanoides Jogos de Guerra (1983) – WarGames: Clássico sobre IA e guerra nuclear automatizada (liga direto com o “Dead Hand”).   Sugestões de vídeos: https://www.youtube.com/watch?v=fa8k8IQ1_X0 Sugestões de links: https://www.bloomberg.com/news/articles/2024-07-22/ubi-study-backed-by-openai-s-sam-altman-bolsters-support-for-basic-income https://www.anthropic.com/research/exploring-model-welfare https://www.anthropic.com/research/impact-software-development https://arxiv.org/pdf/2411.00986 Sugestões de games: Call of Duty: Modern Warfare II / III (2022-2023) – Uso realista de drones FPV, enxames e guerra eletrônica. DEFCON (2006, ou remakes modernos) – Simulação de guerra nuclear com sistemas automatizados de retaliação. Arma 3 com mods de drones ucranianos (comunidade) – Simulação tática de guerra assimétrica com FPV e fibra óptica. Six Days in Fallujah (2021) – Combate urbano moderno com IA e robótica

In this episode we speak with Alon Goren from UC San Diego about his work at the intersection of genomic technology development and chromatin biology. We discuss how his lab studies how the epigenome is regulated, how disruption of that regulation contributes to disease, and how technology can be improved to make results more robust and reproducible. We talk about his early interest in biology, how that developed through medical research training, and how a molecular biology lab shaped the direction of his career. He explains how curiosity about how cells and organisms work led him toward genomics and chromatin research. We then discuss several methods from his career, including early direct sequencing approaches for small amounts of DNA and RNA, ChIP-based methods for chromatin regulators, and work on improving ChIP-seq workflows. He explains why antibody choice matters, why monoclonal antibodies can improve reproducibility, and how automation helped scale the process. We also cover his work on spike-in normalization, including the risks of using exogenous chromatin incorrectly and the need for better safeguards in genome-wide comparisons. He describes a newer approach that uses two spike-ins to provide multiple checks on normalization. Finally, we discuss his work on short tandem repeats, zebrafish heart regeneration, and SIRT6-related polymerase pausing, as well as a newer platform that converts molecular interactions into sequencing-readable barcodes. He closes by stressing the importance of validation, careful protocol design, and methods that can be used reliably by multiple people. References Ram, O., Goren, A., Amit, I., Shoresh, N., Yosef, N., Ernst, J., Kellis, M., Gymrek, M., Issner, R., Coyne, M., Durham, T., Zhang, X., Donaghey, J., Epstein, C. B., Regev, A., & Bernstein, B. E. (2011). Combinatorial patterning of chromatin regulators uncovered by genome-wide location analysis in human cells. Cell, 147(7), 1628–1639. https://doi.org/10.1016/j.cell.2011.09.057 Busby, M., Xue, C., Li, C., Farjoun, Y., Gienger, E., Yofe, I., Gladden, A., Epstein, C. B., Cornett, E. M., Rothbart, S. B., Nusbaum, C., & Goren, A. (2016). Systematic comparison of monoclonal versus polyclonal antibodies for mapping histone modifications by ChIP-seq. Epigenetics & chromatin, 9, 49. https://doi.org/10.1186/s13072-016-0100-6 Patel, L. A., Cao, Y., Mendenhall, E. M., Benner, C., & Goren, A. (2024). The Wild West of spike-in normalization. Nature biotechnology, 42(9), 1343–1349. https://doi.org/10.1038/s41587-024-02377-y Ben-Yair, R., Butty, V. L., Busby, M., Qiu, Y., Levine, S. S., Goren, A., Boyer, L. A., Burns, C. G., & Burns, C. E. (2019). H3K27me3-mediated silencing of structural genes is required for zebrafish heart regeneration. Development (Cambridge, England), 146(19), dev178632. https://doi.org/10.1242/dev.178632 Patel, L., Cao, Y., Xu, T., Modolo, E., Dishon, T., Zhang, L., Mendenhall, E., Heinz, S., Simon, I., Benner, C., & Goren, A. (2025). Improved spike-in normalization clarifies the relationship between active histone modifications and transcription. Genomics. https://doi.org/10.1101/2025.11.25.690627 Xu, T., Wang, J., Shin, Y., Cao, Y., Zhang, L., Modolo, E., Dishon, T., Fisher, J., Norton, M., Fry, C. J., Farjoun, Y., Mendenhall, E., Heinz, S., Benner, C., & Goren, A. (2026). Multiplexed measurements of protein-protein interactions and protein abundance across cellular conditions using Prod&PQ-seq. Genomics. https://doi.org/10.64898/2026.01.01.697286 Related Episodes Taking ChIP from Yeast to ENCODE to Enable Genome-Wide Regulatory Protein Mapping (Peggy Farnham) Comparing CUT&Tag to ENCODE ChIP-Seq in Alzheimer's Disease Samples (Sarah Marzi) Chromatin Profiling: From ChIP to CUT&RUN, CUT&Tag and CUTAC (Steven Henikoff) Contact Epigenetics Podcast on Mastodon Epigenetics Podcast on Bluesky Dr. Stefan Dillinger on LinkedIn Active Motif on LinkedIn Active Motif on Bluesky Email: podcast@activemotif.com

With Constantine Hatzivassiliou—Partner, Certuity Golf taught Constantine Hatzivassiliou how to perform under pressure. Building a nearly $5B multi-family office taught him that the best advisors become the first call when life, not just the markets, gets complicated. In Summary Many advisors spend years mastering investments, but for affluent families, portfolio management is often just the starting point. Jason Diamond welcomes Constantine Hatzivassiliou, Partner at Certuity, to discuss how his journey from aspiring professional golfer to leader of a nearly $5B multi-family office shaped his approach to client service. Their conversation explores why trust is earned long before a crisis, how family office services evolve naturally from client needs, and why the advisor's role increasingly resembles that of a quarterback coordinating every aspect of a family's financial life. The discussion also examines organic growth, referrals, fiduciary advice, private equity's impact on the RIA landscape, and the qualities that allow advisors to become indispensable over decades—not just market cycles. The Storyline Many advisors spend years perfecting investment management. But as clients become more successful, the job changes. The questions become bigger than portfolio construction. A business is being sold. A family dynamic shifts. A tax issue emerges. An estate plan needs updating. Suddenly, the advisor isn't simply managing assets—they're coordinating decisions, relationships, and emotions. For Constantine, that broader role was shaped long before he entered wealth management. As an aspiring professional golfer, he learned lessons about discipline, preparation, and performing under pressure that continue to influence how he serves clients today. Jason and Constantine explore how Certuity grew from approximately $210 million in assets to nearly $5B, not through acquisitions but through referrals and a service model built on becoming indispensable to the families they advise. Constantine explains why he believes the best advisors function more like quarterbacks than portfolio managers, orchestrating the many moving pieces that come with significant wealth. The conversation also examines the evolution of the multi-family office model, the role of fiduciary advice, the impact of private equity on the advisory landscape, and why experience, judgment, and trust remain the qualities clients value most. Ultimately, this episode is about what it takes to become the first call when life – not just the markets – becomes complicated. Topics Covered Lessons from professional golf that translate to wealth management Building Certuity from $210mm to nearly $5B in assets What distinguishes a multi-family office from a traditional RIA Why referrals fuel long-term organic growth Becoming the “first call” for affluent families Fiduciary advice and the evolution of the advisory profession Family office services beyond investment management Private equity and M&A in the RIA space Developing the next generation of advisors Trust, relationships, and lifetime client service > Download a transcript of this episode… Listen and Learn Highlights for Advisors How did professional golf prepare Constantine for advising wealthy families? (3:45) Constantine explains why competing under pressure taught him discipline, emotional control, and process—qualities that now guide every client relationship. How did Certuity grow from $210 million to nearly $5 billion? (8:00) He shares why nearly all of the firm's growth has come organically through client referrals rather than acquisitions or aggressive recruiting. What separates a multi-family office from a traditional advisory firm? (11:45) The conversation explores how expanding into trust, estate, tax, and family office services became a response to client needs—not a business strategy. Why should advisors think of themselves as quarterbacks? (20:00) Constantine recounts a client business sale that fell apart at the closing table and explains why advisors often become the person holding everything together. How does Certuity view private equity and acquisitions? (36:20) Jason and Constantine discuss when outside capital can make sense—and why Certuity has chosen a different path centered on client alignment. Why do wisdom and experience still matter in an AI-driven world? (29:30) Despite advances in technology, Constantine argues that judgment, trust, and perspective remain the qualities affluent families value most. Key Takeaways High-net-worth clients increasingly value coordination, judgment, and perspective over investment selection alone. Family office services often evolve naturally as advisors respond to increasingly complex client needs. Sustainable organic growth is rooted in trust, which explains why referrals account for the overwhelming majority of Certuity's new business. Golf and wealth management share the same disciplines: preparation, emotional control, patience, and executing under pressure. The most valuable advisors become trusted partners during life's defining moments—not simply portfolio managers. Technology continues to reshape wealth management, but experience and wisdom remain difficult to replicate. Building a lasting advisory business requires investing in culture, succession, and the next generation of talent. https://youtu.be/m72Hq6bMTo4 Quotable Moments “The best advisors aren't simply managing portfolios. They're the first person clients call when life gets complicated.” “A bad shot in golf is the equivalent of a bad day in the market. You can't let one dictate everything that comes next.” “More often than not, we're not just financial advisors—we're financial therapists.” “Growth gets the headlines. Trust is what makes it possible.” FAQs What is a multi-family office? A multi-family office delivers integrated services beyond investment management, often coordinating tax, estate planning, philanthropy, business planning, and other complex financial matters for affluent families. Why has Certuity grown primarily through referrals? Constantine attributes the firm's growth to deep client relationships, a collaborative service model, and becoming the trusted advisor clients recommend to others. How does golf relate to wealth management? Golf reinforces discipline, emotional control, preparation, and performing under pressure—all qualities Constantine believes are essential for effective advisors. What is Constantine's perspective on private equity in wealth management? While he understands why many firms pursue private equity, he believes every strategic decision should ultimately be measured against what best serves clients. What qualities distinguish exceptional advisors today? According to Constantine, exceptional advisors become trusted coordinators of a client's financial life—bringing together specialists, solving problems, and providing perspective during life's most important moments. A multi-family office delivers integrated services beyond investment management, often coordinating tax, estate planning, philanthropy, business planning, and other complex financial matters for affluent families. Constantine attributes the firm's growth to deep client relationships, a collaborative service model, and becoming the trusted advisor clients recommend to others. Golf reinforces discipline, emotional control, preparation, and performing under pressure—all qualities Constantine believes are essential for effective advisors. While he understands why many firms pursue private equity, he believes every strategic decision should ultimately be measured against what best serves clients. According to Constantine, exceptional advisors become trusted coordinators of a client's financial life—bringing together specialists, solving problems, and providing perspective during life's most important moments. Related Resources Emotional Intelligence: The “Untouchable” Differentiator in an AI World Intentional Growth: How Top Advisors Build Businesses That Last The 10 Characteristics of the Most Successful Teams Constantine HatzivassiliouPartner  Constantine Hatzivassiliou is a Partner at Certuity, a nationally recognized multi-family office serving affluent families, entrepreneurs, executives, foundations, and endowments. He advises clients on the complex financial, tax, estate, and business planning decisions that accompany significant wealth, helping families coordinate all aspects of their financial lives through a comprehensive family office approach. Drawing on more than two decades of experience, Constantine works closely with successful business owners, corporate executives, and multi-generational families to simplify financial complexity and align investment management, tax planning, estate planning, philanthropy, and family governance strategies. As a Certified Exit Planning Advisor (CEPA®), he frequently assists entrepreneurs in preparing for liquidity events, business transitions, and the long-term stewardship of family wealth. His clients often view him as a trusted advisor and strategic sounding board, helping them navigate important financial decisions with the perspective of both a family office professional and a coach. Prior to joining Certuity, Constantine held advisory and banking positions with The Bank of New York Mellon, Bernstein Global Wealth Management, and Pacific Mercantile Bank. Before entering the financial services industry, he was a Golf Professional and member of the PGA of America, experiences that continue to shape his disciplined, competitive, and relationship-focused approach to advising clients. Outside of his professional responsibilities, Constantine is passionate about mentoring young athletes and strengthening the communities in which he lives and works. He serves as a Board Member of Coerfontaine Football Club (CFC), a premier youth soccer organization focused on developing young athletes and helping them pursue collegiate and professional opportunities while fostering leadership, discipline, and character. He also serves as Chair of the Safety and Security Committee for Parkland, where he works alongside community leadership to enhance resident safety, security, and quality of life. In addition, Constantine is a Founding Board Member of The Boardroom, a private membership organization focused on fostering meaningful relationships among business leaders, entrepreneurs, and professionals through networking, education, and philanthropy. Born in Greece, Constantine spent his childhood in Montreal before relocating to South Florida. He attended the University of Florida before earning a Bachelor of Arts in Economics from Florida Atlantic University, where he graduated with honors. He holds the Certified Exit Planning Advisor (CEPA®) designation. A lifelong student of the game, Constantine remains active in golf and is a member of Muirfield Village Golf Club, founded by his longtime  hero and mentor, Jack Nicklaus, as well as Parkland Golf & Country Club. Constantine resides in Parkland, Florida, with his wife, Stephanie, and their two children, Nicholas and Olivia. 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. Episode Transcript Lessons from the Links: From Golf Pro to $5B Family Office Partner A conversation with Jason Diamond and Constantine Hatzivassiliou, Partner at Certuity. Jason Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Lessons from the Links: From Golf Pro to $5B Family Office Partner. It’s a conversation with Constantine Hatzivassiliou, partner at Certuity. I’m Jason 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 $1 billion 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. Jason Diamond: Golf is a way of exposing who you really are, there are no teammates to blame, no clock to run out and no hiding from a bad decision. Every shot demands discipline, patience and the ability to stay focused when the pressure is highest, my guest today knows that firsthand. Before becoming a partner at Certuity, a multifamily office approaching five billion in assets, Constantine Hatzivassiliou was pursuing a career as a professional golfer. An injury ultimately redirected his path towards wealth management but many of the lessons he learned on the course still shaped the way he serves clients today. Certuity has grown from roughly 210 million in assets to nearly five billion, that’s impressive on its own but the more interesting story is how they’ve done it. The firm has grown largely through referrals built around a multifamily office model and focused on becoming far more than an investment advisor to the families it serves. In Constantine’s view, the best advisors aren’t simply managing portfolios, they’re the first person clients call when a business is being sold, a family issue becomes complicated or a major decision carries consequences well beyond the balance sheet. Constantine and I discuss the lessons golf teaches about handling pressure then we dive into the evolution from the traditional wealth management world to the multifamily office model, why referrals drive nearly all of Certuity’s growth, how he thinks about private equity’s influence on the advisory business and what it takes to become the first call for the wealthy families they serve and perhaps, most importantly, why the same qualities that help someone succeed on a golf course may be surprisingly relevant to building trust over a lifetime. It’s a great conversation so let’s dive in. Constantine, thank you so much for joining, thrilled to have you here. Constantine Hatzivassiliou: Thank you for having me, excited to be here. Jason Diamond: Yeah, absolutely. So, you had an unconventional path to wealth management, you started as a professional golfer, I think that’s a first for us on this show, before ultimately transitioning into this world. Can you tell us a little bit about the journey and what brought you here? Constantine Hatzivassiliou: Yeah, I never thought I’d be here, my parents were certainly shocked that I got here path wise. Growing up, immigrants from Greece, you settle into Florida the traditional way where you either go down the diner route or the gas station route in mechanics which my father was the latter and school and education was never priority, it was always about supporting the family needs. So, next thing you know, sports are a critical part of any good household, that’s how I was raised and I played everything but golf. I grew up on a golf course because my parents believed that a location of a property was critical to long-term financial success. We lived on a golf course, it was in our backyard, we’d stare at it and we’d use it to play football or baseball or anything but actual golf. And my freshman year at the University of Florida, I started dating a girl on the golf team and she got me hooked to the point where, after four years of hitting balls with the women’s and men’s golf team at the University of Florida for six hours a day, we finished school and realized I’m actually pretty good at the game and, while I have a finance and economics background and degree, let’s try and pursue this for a living and I was blessed. I had a sponsor who helped me succeed at golf on a small scale, it was a humbling experience to say the least. I was competing and playing with Sean O’Hair, Ken Duke, guys who made it out on tour for a very long time, we had the same sponsor so we functioned as a team, it was a collegiate team effectively trying to make it out on tour. And, unfortunately, my second year of competing, I blew out my back doing heavy deadlifts which set me aside for 18 months. While I was recovering, my primary sponsor was in financial services and says, “Hey, you have a background in this, it’s killing you not being able to be on the golf course, why don’t you come work for me while you’re rehabbing so that, when you get back to playing golf, it’s easier for you to talk about our business as a sponsor to try and develop business to throw it to the financial services side?” And Jason, the reality is, after 18 months working there, I fell in love with it. I made way more money working in that environment than I ever would’ve made playing golf because, again, I came to the game late. I was decent but I was nowhere near the caliber of players that are succeeding now out on tour. So, I pivoted after having met my wife and decided to settle down into the wealth management space and, what is it now, 26 years later, going strong. So, it’s been a fun transition from golf into wealth management to say the least. Jason Diamond: Probably my favorite background … I watch a lot of golf, I should caveat that, probably my favorite origin story we’ve had, I’ll give you the Wanamaker trophy or whatever you get, first place. Let’s talk about the business now, so Certuity. For our audience who may not be familiar, tell us a little bit about the firm, what types of clients do you serve and any context you can provide on size as well. We’ll talk about how your firm got there but just give us where we are today to start with. Constantine Hatzivassiliou: So, goal by the end of the year is to have $5 billion in AUM, we’re just shy of that now. We currently service 428 families across the country. So, we’re boutiquey and nimble, we’re based in South Florida, we have offices in New York, San Fran and LA. I’m fortunate to be one of four partners at the firm supporting the growth and the direction of the company and it’s a fun endeavor in the sense that, when we first started, I was employee number four 16 years ago and, with 210 million in AUM at the time to grow it to where we are today, to learn all the things that we have over the years, the curve balls that were thrown at us because all of us came from massive institutional wealth management firms. So, we transitioned from the Bernsteins of the world, the BNY Mellons of the world into an RIA in the South Florida market, there was absolutely an entrepreneurial learning curve involved. Jason Diamond: I bet. And on follow-up question, 16 years ago, did you have a book of business, client business and do you still maintain a book of business today? Constantine Hatzivassiliou: I do. The four of us at the firm share in all of the clients, we work together. Being in the Southeast, I’m responsible for, let’s call it, the Southeast demographics of the US which is a large portion of Certuity’s book. I have a partner in Tennessee, I have a partner in LA and San Francisco and we divide and conquer across the country. But, yes, we came over with a small book, we’ve all grown it organically since then. So, we’ve been very effective in how we’ve grown. Jason Diamond: Just from adding new client money? Constantine Hatzivassiliou: Strictly through new clients referred to us by existing clients. Jason Diamond: Wow. I want to talk more about the growth because that’s remarkable. But before I do, can we double click on the service model? So, I would say the most typical we hear, I think more of our guests typically come from the wirehouse world where it’s I have my book, you have your book. What does your service model look like? So, is it truly, if it’s working well from the end client perspective, you should be interchangeable with your partners and it’s a true team approach? Constantine Hatzivassiliou: How we engage our clients, the theory should be I can get hit by a bus tomorrow and outside of the client not being able to speak to me directly, they will not have a hiccup in any way, shape or form. And when we’re dealing with families across multiple generations, the way we’ve built our platform, that continuity is critical in the engagement process for the clients hiring us to help them through all of the challenges that they face. Jason Diamond: What’s your sweet spot in terms of client size? Constantine Hatzivassiliou: Our average client size today has just shy of eight million AUM with us. We have some clients who have $1 million certainly but they’re strategic in that their friends, their family, they could be centers of influence who help send business our way because they value what it is that we do and there’s a strategic partnership because we might need them for their trust and estate services or their accounting work and they have clients who have a need and we’re on the short list of people they refer to. Jason Diamond: That they trust. Yeah, makes sense. So, I’ve seen this in the news and also even on your own internal materials, I’ve seen you described as both a modern multifamily office, you’ll also obviously hear the term RIA as well. Does that distinction matter at all? And maybe my second part of that question would be what is the distinction between that space, whatever you call it, and the more traditional firm world from a client service perspective? You mentioned that all of your partners from that world. Constantine Hatzivassiliou: I started in this industry truly at an institutional level at Bernstein in New York and, for anyone who knows Bernstein, they really do brainwash you on the fiduciary model and the values affiliated with that philosophy has translated through my career at BNY Mellon which has a very similar feel as Bernstein. And then, when we came here, we instilled that same core value principle of fiduciary responsibility for our clients so we are very different than a traditional wirehouse or brokerage house, it is why we’ve grown so successfully. I would never, one, work for an institution that did bide by those standards and, secondarily, I wished Congress and Senate would turn around and actually implement a mandatory fiduciary liability for all financial advisors because, far too often, we see prospective clients or families get taken advantage of because the individual sitting across from them giving them financial advice is not necessarily aligned with their goals and objectives. Jason Diamond: So, I take it you are fee only. Constantine Hatzivassiliou: We are fee only. Jason Diamond: Yeah. I don’t want to lose the thread on the first part of my question. Do you think there is a distinction between a multifamily office and an RIA? I don’t want to lead you here but to me it implies a different level or different caliber of service model that probably includes more of the ancillary trust and estate and CPA type stuff that higher network clients need but curious what your thoughts are. Constantine Hatzivassiliou: Our first seven years at the firm, we were strictly an RIA, we functioned as an advisory service provider to our clients. What attracted me and my partners to Certuity was the nimbleness of the firm. So, for instance, at BNY Mellon, we often deemed a change necessary as moving an aircraft carrier across the world but it was an impossible task to accomplish. But when you’re small and nimble and clients come to you with a need and you’re in the service, ultimately, first and foremost, it made sense for us to start building out family office services for our clients because they had a need and we found it as a way to centralize everything because, far too often, when the communication standards break down between all the individual parts, one, it’s more expensive for the clients and, two, the process isn’t efficient, things get missed. So, we tried, largely due to our growth, to bring everything in house and our clients appreciate that for it. Jason Diamond: So, this is not a chicken and egg situation, this is very much we had large clients, we were attracting large clients and, in order to service them optimally, here’s what we felt we needed to build. Is that fair? Constantine Hatzivassiliou: 100%. Jason Diamond: Let’s shift gears, I need to go deeper on the professional golf thread a little bit. I promise I won’t make the whole interview about your golf background. I’m curious if you feel like that experience or that, I don’t know, upbringing or, I guess, background laid any foundation for the way you engage with clients today or the way you operate as a business leader today. Constantine Hatzivassiliou: So, there’s a couple parts to that. The golf side, certainly, just from an engaging client perspective, 90% of our clients are golfers. Jason Diamond: It’s very true. Constantine Hatzivassiliou: Right. It just helps because of our background and certainly with some of the clients and partners that we have at the firm, golf is a critical thread in what we do. However, when it comes to golf, what I learned playing golf at a high level directly translates to how we manage money for clients and I’ll express it this way. There’s generally two types of golfers, there’s the artist, the Sergios of the world who don’t fundamentally function off of specific points in their swing or a very structured platform, they see something, their mind becomes creative and they execute on it. I was never that way, I am a numbers person, I think everything analytically, I break everything down to the minute, everything is strategized and organized, I was taught to practice that way by Coach Alexander at the University of Florida and that foundational element seemed easy, it worked. If you practice properly, you’ve succeeded. Under pressure, all those hours and hours of repetition translated to success more often than not. In our industry, it’s process-driven, it has to be unemotional. A bad shot in golf is the equivalent of a bad day in the market, you can’t let one bad day in the market influence everything you do for the next year. Same way on the golf course playing in a tournament, you can’t allow one golf shot to affect the rest of the round. We kid with our clients oftentimes that, while we are fundamentally their financial advisor, more often than not, we’re their financial therapist. We have to control their emotions and make sure they’re not making an irrational decision. For instance, a couple days ago we were out with a client the day that Iran shot down one of the US military helicopters and we’re sitting down at lunch and, all of a sudden, his phone starts blowing up because he’s getting all these Google alerts to the market heading in the wrong direction and he had to go do a life insurance test later on that afternoon. So, all week, he had prepped and he was calm and he was relaxed, he was really excited, he’s, “My wife is setting me up with a new insurance policy and I know it’s for her benefit but all my numbers look good, I’m going to ace this and my premiums will be really low because of it,” it was a $25 million policy. And as he’s looking at his phone and he sees the market collapsing in his mind, his blood pressure rose to no end, you could see that his anxiety level went through the roof and, had I not been there with him at the time to hold his hand through that process, his afternoon would’ve been shot. I would’ve got a phone call saying, “What are we doing to prevent 2% loss in my portfolio,” because that’s how he thinks and, in that moment, I was the therapist to talk him off a ledge. It’s so hard for individuals to manage the stress of the markets, that golfer mentality of, okay, just breathe, relax, let’s see what’s going on, let’s make an educated, confirmed decision, let’s circle back with our caddy if we’re on tour and competing and make a unified decision for the long-term success of the goal that we’re trying to achieve. And what we do every day is the same thing with our clients. Jason Diamond: It’s an incredibly thoughtful answer, I expected a version of the latter part of your answer. I appreciate that you added the part about just most clients like golf, enjoy talking about golf, enjoy playing golf and it’s an effective business development tool, there’s no question. Constantine Hatzivassiliou: So, I have two kids, a 12-year-old and an eight-year-old, my son who’s 12 who’s an exceptional soccer player and wants to, aspires to play professionally one day has now fallen in love with golf which I’m ecstatic about. I think golf and tennis, from a business development perspective- Jason Diamond: Yeah, lifelong sports. Constantine Hatzivassiliou: And I look at it now and my mentor when I started in the business was absolutely right. The fact that I could get a CEO of a Fortune 100 company to want to actively spend four hours with me where we could dive into the weeds about their personal life, their financial situation, their business, you could never get that time otherwise. I urge everyone who’s coming out of college or is going into college who wants to aspire to be in any type of sales related role, golf is a great venue to make long-term relationships. Jason Diamond: And importantly, tennis is not as good on the knees long-term or the back long-term. So, you stick to golf, you get a little more longevity out of it. Constantine Hatzivassiliou: It does help, yes. You’re right. Jason Diamond: My thought always goes to people call it the 15th club in golf, just this mental element of the game and to me it’s the clear moment in golf that always comes to mind for me is the 72nd hole. I don’t know if you just watched the US Women’s Open but Nelly Korda standing over a two-foot putt that I really thought she missed, is there an equivalent of that moment? Are you ever able to recreate that pressure in your current role or is that something that you miss? Constantine Hatzivassiliou: Jason, we have those moments weekly, countless stories. Here’s where I love my job. I’ve transitioned from being the guy behind the screen who is just trading accounts, that’s where we all start and you have to have that foundational perspective of what’s involved in trading an account on a daily basis. Not that we ever picked stocks to an extensive level, we were generally managing ETFs, mutual funds and strategies but I’ll give you an example. So, just last week, we had a family and this is where the family office side comes in more so than the financial advisory services come in. We had spent four months in helping a family sell their business, it was a life altering moment, the dad started the business, the dad had been independently successful, net worth of well into eight figures, was happy and content, brought his son into the business, son was brilliant, saw an opportunity within the business and grew the business by 4,000%. Jason Diamond: Literally? Constantine Hatzivassiliou: Yup. All because of this, the son saw a different direction and pivoted the business and grew it out and here he is, getting ready to have their first child and he gets approached by a firm to acquire his business. They’re ecstatic, the number was perfect, I thought it was overvalued, I was telling them that there’s no way they could turn it down because the number was too significant. Had they gone to the market, they would probably never achieve that level of return. And literally, the day of closing, as we’re expecting the wire to come through, the deal gets pulled. So, here you have the father who’s crushed because he was trying to provide something for his son, the son who’s just devastated because he now was preparing for the second stage of his life and you go through at that stage the classic stages of grief, it’s the cycle that goes through it. I was holding their hand through the three-month process up to there, every day, hourly calls, strategizing, building everything out, organizing the accounting team, organizing the attorneys, getting it all to work out. And here I am, father and son, unbelievably stressed, you have the wives in the background who can’t quite comprehend what’s going on, you have employees beneath them who are now confused as to there was a transition getting ready to take place and the only person who can step in under that critical moment to bring everybody back together was me. So, here I am thinking, 20 years ago, I’ll just pick stocks and bonds for individuals but now I’m in the middle of deal flow trying to help a family solve the issues that arise. So, those are hugely critical- Jason Diamond: Yeah, that’s right. Constantine Hatzivassiliou: …moments where, because our clients are our friends and family, we care for them like they’re our own, you become emotionally attached. And the same pressure that I felt when I won my first mini tour event after college, when I had to get up and down from the impossible bunker shot and I hit it to six feet and I made the crucial put to win my first $23,000 check which I thought was unbelievable, they gave you those big old-fashioned- Jason Diamond: The Happy Gilmore checks. Constantine Hatzivassiliou: Exactly, right? It was the greatest day at that time. The stress of being in that bunker trying to hit that shot is the same stress I felt having two phones ringing, one the father, one the son where we have to keep that situation separate. So, you’re diving into unbelievably stressful situations and the best part is, when we get it all solved and literally yesterday we solved the entire dynamic of the business, I get a text from the son saying that this was the most incredible rollercoaster experience he’s ever experienced, that he’s incredibly grateful for all that I did and our team did for him and that, for the rest of his life, we will always be the first person he calls to solve any of his problems. So, for us, that’s the recreation of that stressful moment and then the victory on the back end. Twenty-five years ago, I got the big Happy Gilmore check. Yesterday, I got that text which I’ve printed out and framed and have it in my office as a constant memory of why it is we do what we do. Jason Diamond: And I would bet that’s more impactful than the $23,000. It’s an incredible story and I’ll tell you why, you said it but it’s as far away from stocks and bonds as you could possibly get. But I think, most advisors, a story like that resonates much more. It leads into my next question. You intentionally choose to service a high net worth segment of the market and I would assume that number’s probably creeping up, not down over time in terms of who you service. My thought is that’s a very competitive segment of the market as well. Is this how you differentiate is just you make it about those types of human examples or is there more to it? Constantine Hatzivassiliou: I’m envious of the advisor who could walk into a room of 200 people and they become the central focal point of the room where they can walk up to every single person and fearlessly ask them incredibly personal information, I’m not wired that way. For me, I’m very much the individual that I will find the one person that I have common ground with, I will deepen that relationship and I will add value and, because of the value that I create, I become a critical component of that individual’s success. And that’s how we’ve grown our business holistically at the firm largely buy that extra layer of service. We’re a commodity business. Being in South Florida, the clubs that I belong to, 10 to 15% of the members feel like they’re financial advisors. You could throw a rock anywhere and find a financial advisor so how do I differentiate myself? The only way I can truly differentiate myself and my firm is the level of service we provide, to go that extra step. To where, when we’re calling a client, they know I’m calling them to support their needs not because I’m seeking something for any ulterior motive. Jason Diamond: But you don’t mention financial planning or investment management or asset custody. Is that because I assume just that’s table stakes? Of course we do that but … Okay, yeah. Makes sense. Constantine Hatzivassiliou: That’s the easy part, right? That’s foundationally … And to your earlier point, you were asking the RIA model. One of the biggest challenges that we had down here in South Florida was the RIA model is new. If you were in the northeast, RIAs are very common, out west, incredibly common. Down here in South Florida, I just finished dealing with Bernie Madoff. Jason Diamond: You were fighting the good education fight a little bit. Constantine Hatzivassiliou: At Bernstein, 108 of our clients had assets with Bernie Madoff. Jason Diamond: Yeah. Constantine Hatzivassiliou: So, when you leave, one of our biggest growing curves as an RIA in South Florida was, when you leave the power of BNY Mellon or Bernstein and you’re some random little shop called Certuity, no one knows who you are. So, there was a big part of our education in the business was learning how to educate clients and prospective clients on the value of the RIA model and the fiduciary model in particular. Jason Diamond: Could you give me the 30-second answer to that if somebody says who are you, your prospect? I’ll tell you why I ask. Forget just Bernstein’s and BNYs of the world, a Morgan Stanley advisor or Merrill advisor has the exact same fear. I’m leaving Merrill to go launch Jason Diamond Wealth Management, my client’s going to say, “Well, who is that?” So, give me the quick pitch. Constantine Hatzivassiliou: Your typical broker, let’s say, you’re not really hiring JP Morgan, you’re not really hiring Wells Fargo, you’re not hiring Goldman Sachs, you’re hiring the advisor who works for that institution. Now, yes, that advisor has the Rolodex of data and information available at the firm level but, ultimately, you’re entrusting that individual to make your decisions for you. The broker who leaves the brokerage model to open up their own brick and mortar operation has to then decide are they continuing down the wirehouse brokerage model where they’re transactional in nature, the economics behind that, far more profitable. The revenue streams affiliated with a brokerage house drastically blows us out of the water. But then you have to also look at yourself in the mirror so how are you running your book of business, how are you running your practice. So, to answer your 30-second question, the RIA model, in my opinion, is truly the only way any family of wealth should proceed with an advisory firm because you want an individual who is aligned in your goals and objectives. Our clients know that I’m their chief financial officer, I work for them. They task us with building out a financial strategy that is customized to their individual needs and they never have to worry do I have an ulterior motive as to why I’m presenting an option in that strategy. And, because of that, the fiduciary model, I think, is critical for our success as a firm and, again, as I mentioned earlier, I wish it’s something that was industry well and not the vast minority. Jason Diamond: Yeah. No, that’s a great answer. So, do you think then that, as time has gone on, this has gotten easier? I assume the answer is yes either because more clients are aware of your brand and/or more aware of the space as a whole. Constantine Hatzivassiliou: The first thing that helped the most was some gray hair. When I started at Bernstein, I attempted to solicit new clients very much the same way I do today. But when I was 26 years old and I’m sitting in front of a family worth and the dad was in the 70s and he lived his life and I’m younger than his kids, he would look at me and say, “What do you really know? What experience do you have?” So, doing this now for as long as I have, the number one thing that has helped me the most in growth is just wisdom and time. Without that, yes, you can be a rockstar stock picker. We have so many kids coming out of college today with the advent of AI and technology that have algorithms that could run unbelievable portfolios and there is a segment of the market who wants to hire and engage those individuals but, generally speaking, the families that we service, that is 10th or 12th on the list of importance. Jason Diamond: No, I think that’s spot on. I think most high net worth clients counterintuitively agree with that, that alpha, for lack of a better term, is really not the name of the game or not in the top five reasons why you would engage with a financial advisor. Constantine Hatzivassiliou: Agreed. The biggest thing that we’ve been doing to educate clients especially in today’s environment, I had a call yesterday with an individual, a client who lives in New Jersey who works out of New York for a hedge fund, he knows our space incredibly well. He’s one of those kids, 28 years old, brilliant, as smart as you’ll ever be but his tax bracket is atrocious. He is paying so much of his W-2 income in taxes and building out a strategy that can reduce his tax liability by several hundred thousand dollars a year far exceeds any alpha I can generate by picking a top decile performer. Jason Diamond: What was the strategy? Move to Florida? I’m just kidding. Don’t answer that. Constantine Hatzivassiliou: We offered that but, unfortunately, he has to be physically in the office in New York City but yes. Jason Diamond: I think that will resonate, by the way, your gray hair comment. I appreciate the humility and the modesty in that because, the reality is, one of the questions I was going to ask you about was next-gen talent cultivation. In my opinion, this is a hard game for younger folks for that reason. People sit across from other people with a lot of money and they say, “Why am I going to entrust you with my life’s work when you just don’t have that degree of experience?” I was asking more even about your firm success and your firm story, have you felt like that’s caught on more? Do you have more brand awareness, if you will, now when you go to a prospect meeting or do you think you’re still constantly fighting that education fight? Constantine Hatzivassiliou: So, first part, brands, it’s improved in our immediate network. In our little bubble of the world, yes, it’s known. Let’s call it, in South Florida the influential attorneys, the accountants, the divorce attorneys know who we are because, having been down here long enough, we’ve had opportunities to work together. Our network of friends, certainly, the word spreads. But in the grand scheme of things, we are so small in the South Florida landscape or the LA landscape or the New York landscape so any incremental gain that we pick up is meaningful. And then, as it relates to young talent, our success is completely, long-term, derived by the young talent that we bring in to nurture them to help them grow. I look at our success, two of our critical mentors and board members of our firm are in their 80s, their children and grandchildren, nepotism aside, whether it was interning while in college or coming to work for us after school, they’re our best employees. And our goal as a firm, just like how I was offered the opportunity to become a partner and own a piece of the business, our goal long term will be to transition the business to this younger generation that we’re developing. I look at, again, those two board members who are in their 80s, the advice they’ve given me is don’t ever stop working, you have to be doing something. And I turn to them and say, “I don’t work every day.” I put in 20 hour days, well, not quite 20, 18 hour days but it’s never work because, what I do every day, I don’t deem it work, I love what I do, I don’t ever see myself stopping. Because they’ll tell me all of their friends that have stopped working or sold their business, invariably, the men die within six months because boredom and we always joke around that you’ll continue to work forever. So, I would hope that one day I transition into that advisory board member role where I step aside day-to-day activity where I’m now a mentor to our younger generation that we’re promoting into partners because we’ve made promises to our clients that we will forever be their family office. So, we have to, as part of our growth model, have those transitions in place because we’re servicing many families that have 85-year-old clients and two-year-old clients and we’re tasked with the two-year-olds as well as the 85-year-old. Jason Diamond: I also feel like there’s a little bit of younger generations I think have been reluctant to some degree to get it, you can disagree with this, to get into this space because there’s a more appeal to things like investment banking and sales and trading to some degree. The other problem obviously you alluded to is asset gathering. Your model speaks so clearly to success because you don’t say I own the client, that’s my relationship. To me, you plant the seeds of being able to handle succession much better than somebody who does the mine is mine and yours is yours approach. Is that fair? Constantine Hatzivassiliou: That’s completely accurate. And I think there’s two types of people that serve in the financial advisory space. You have the individual who is analytics driven, who likes being behind the bank of monitors trading account and there’s a critical part of our firm and our success is driven by the team in the office that aren’t necessarily client facing that do all the heavy lifting every day because they’re really doing the heavy work. Myself, my partners, the select few, while talented and able to do that, realize the value that we present is quarterbacking the relationship and helping understand all the components. We kid around that we’ve all stayed at a Holiday Inn Express last night, we’ve become experts in tax, we’ve become experts at trust and estate planning, we’ve become experts at divorce, we’ve become experts at the medical field. It’s shocking how it’s 2:00 in the morning and you get a phone call, panic attack by a client saying they need a doctor for X, Y and Z, can you connect me. So, the younger generation, yes, the sexy space is investment banking and that is really hard work. I could not do what my friends at Goldman do who are at these private mid-market funds, that’s just not me. I’ve been fortunate that I stumbled into an avenue in financial services that I think perfectly fits my personality and my want and desire to help others because that’s what we’re driven by and we try and hire people with that same mindset. The hardest thing as an RIA especially in South Florida is finding and retaining talent that is like-minded and that could function well within our family. Jason Diamond: If you build a firm predicated on culture and client service, I understand, certainly, the importance of that. I want to shift gears, I don’t want to lose this thought. You mentioned organic growth, it’s incredible. You have not mentioned inorganic growth at all and maybe because you haven’t had to but give me your thoughts on M&A, private equity in this space, do you have plans to sell the business, take on a capital partner, buy other RIAs? Constantine Hatzivassiliou: Yeah. So, I understand why private equity in the last 10 years has come into the market. For years, they bought up insurance practices, that recurring revenue, sticky assets, it makes sense. Personally, I’m not a fan of them being in our markets, I think they’re motivated at the end of the day by AUM growth, revenue growth and the second transaction which, for most of our clients, would not make sense because, again, that then questions why it is that we’re motivated to do something. Am I taking extra risk in the portfolio because I want to grow the AUM because I’m looking to sell in a year? Am I bringing in a strategy that has a higher fee? For us, it doesn’t work. In the brokerage model, it makes perfect sense. Now, there are some RIAs who leave the wirehouses, open up an RIA shop, do really well for their clients but don’t have the long-term aspirations of making the institution a legacy to where they’re passing it off. I hope my kids one day want to come work for dad and follow in his steps, that’d be amazing. Just like our younger generation working at the firm, our goal is we’ve already targeted the three or four guys that will be partner one day and we’ll transition the business over to them. But it’s okay if there’s an RIA out there who doesn’t have that transition product or isn’t motivated by that and is looking at it as a vehicle that I’ve built a really good successful book of business and I want to now retire and spend time with my family and kids and travel, et cetera, and that’s where PE steps in and offers an attractive number and the person makes their move. So, I can’t fault the individual for wanting that and I’m not saying that they’re not doing well by their clients, it’s just, for us, I’m not a fan of it because, again, I’m first critically and always focused on what’s best for the client. Jason Diamond: Fair. And I largely agree with some of what you said around private equity in this space but private equity enables … Obviously, it’s capital so which enables acquisitions which is why a lot of firms take on private equity. So, what about the idea of potentially buying businesses to start up inorganic growth? Constantine Hatzivassiliou: We have gone down the road of acquiring other institutions potentially. The challenge is, because we manage money so uniquely and our approach is so different, I’m not going to bring on an institution or bring in a new partner to the firm or a new book of business that we’ve acquired if the methodology and the life of that book doesn’t mirror ours. So, yes, there is opportunities to grow through acquisition, it’s not something that we are leaning on heavily. However, for the right institution that’s available that is aligned with our thinking, whose clients would value and appreciate how we do things or, if that institution is doing something truly unique that we would want to bolt onto our platform, all day long because, again, for the benefit of the client, it makes sense. So, yes, there are opportunities for that. Too often we find that, when a book is available for acquisition, the highest bidder tends to win out and we don’t have the deep enough pockets to write a multiple that we don’t deem to be, let’s call it, market neutral. Jason Diamond: Yeah, market prudent. I understand the premise and I think that’s fair. I also think you have the luxury, because of your organic growth, you can be super, super picky about inorganic and I love how you bring it all back to the lens of the client. Can this improve the client experience in some way? And, if so, yes, we’ll take a look. I got time for one more question, I can’t believe time has flown. You’ve had a remarkable journey, professional golf now partner at a $4 billion plus on the way to $5 billion RIA multifamily office. What are you most proud of when you reflect on your career journey? Constantine Hatzivassiliou: What am I most proud of? To see what Rich, myself and Mark and Jayson built over these years from where we were sitting in a small conference room, struggling to figure out how do we find a way to hire a trust and estate attorney to help with that component, which CPAs do we bring on board in-house because clients have a need. So, the entrepreneurial spirit involved in growing the business, the late nights, the struggles, the banter back and forth, to put so much blood, sweat and tears into this and now to look at all that we’ve accomplished, being in four separate states with offices, having so many wonderful employees that have come to us from all over the world, Germany, from China, from Tokyo, bringing people in to the US and building out something that, when we leave at the end of the day, are incredibly proud of. My father’s no longer with us, for 50 years, I always strived to make him proud because he never told me that he was proud of me, he was the classic Greek old-fashioned dad. I think he looks down on his now for everything that we’ve built and would say that he’s proud of us so, for me, that’s the best. Jason Diamond: Yeah. That’s an incredible place to end. Thank you for sharing that, it’s a touching place to end and I appreciate you being open. Thank you. This has been one of my favorite episodes, your journey, your humility, your honesty, your transparency, it’s no wonder you’ve built a business you’ve built. So, thanks for joining us, Constantine. I look forward to having you back on to talk about the next chapter. Constantine Hatzivassiliou: Thank you. Next time we’ll do it from the golf course. Jason Diamond: Oh, absolutely. 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 responsibility 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.   Lessons from the Links: From Golf Pro to $5B Family Office Partner A conversation with Jason Diamond and Constantine Hatzivassiliou, Partner at Certuity. Jason Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Lessons from the Links: From Golf Pro to $5B Family Office Partner. It’s a conversation with Constantine Hatzivassiliou, partner at Certuity. I’m Jason 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 $1 billion 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. Jason Diamond: Golf is a way of exposing who you really are, there are no teammates to blame, no clock to run out and no hiding from a bad decision. Every shot demands discipline, patience and the ability to stay focused when the pressure is highest, my guest today knows that firsthand. Before becoming a partner at Certuity, a multifamily office approaching five billion in assets, Constantine Hatzivassiliou was pursuing a career as a professional golfer. An injury ultimately redirected his path towards wealth management but many of the lessons he learned on the course still shaped the way he serves clients today. Certuity has grown from roughly 210 million in assets to nearly five billion, that’s impressive on its own but the more interesting story is how they’ve done it. The firm has grown largely through referrals built around a multifamily office model and focused on becoming far more than an investment advisor to the families it serves. In Constantine’s view, the best advisors aren’t simply managing portfolios, they’re the first person clients call when a business is being sold, a family issue becomes complicated or a major decision carries consequences well beyond the balance sheet. Constantine and I discuss the lessons golf teaches about handling pressure then we dive into the evolution from the traditional wealth management world to the multifamily office model, why referrals drive nearly all of Certuity’s growth, how he thinks about private equity’s influence on the advisory business and what it takes to become the first call for the wealthy families they serve and perhaps, most importantly, why the same qualities that help someone succeed on a golf course may be surprisingly relevant to building trust over a lifetime. It’s a great conversation so let’s dive in. Constantine, thank you so much for joining, thrilled to have you here. Constantine Hatzivassiliou: Thank you for having me, excited to be here. Jason Diamond: Yeah, absolutely. So, you had an unconventional path to wealth management, you started as a professional golfer, I think that’s a first for us on this show, before ultimately transitioning into this world. Can you tell us a little bit about the journey and what brought you here? Constantine Hatzivassiliou: Yeah, I never thought I’d be here, my parents were certainly shocked that I got here path wise. Growing up, immigrants from Greece, you settle into Florida the traditional way where you either go down the diner route or the gas station route in mechanics which my father was the latter and school and education was never priority, it was always about supporting the family needs. So, next thing you know, sports are a critical part of any good household, that’s how I was raised and I played everything but golf. I grew up on a golf course because my parents believed that a location of a property was critical to long-term financial success. We lived on a golf course, it was in our backyard, we’d stare at it and we’d use it to play football or baseball or anything but actual golf. And my freshman year at the University of Florida, I started dating a girl on the golf team and she got me hooked to the point where, after four years of hitting balls with the women’s and men’s golf team at the University of Florida for six hours a day, we finished school and realized I’m actually pretty good at the game and, while I have a finance and economics background and degree, let’s try and pursue this for a living and I was blessed. I had a sponsor who helped me succeed at golf on a small scale, it was a humbling experience to say the least. I was competing and playing with Sean O’Hair, Ken Duke, guys who made it out on tour for a very long time, we had the same sponsor so we functioned as a team, it was a collegiate team effectively trying to make it out on tour. And, unfortunately, my second year of competing, I blew out my back doing heavy deadlifts which set me aside for 18 months. While I was recovering, my primary sponsor was in financial services and says, “Hey, you have a background in this, it’s killing you not being able to be on the golf course, why don’t you come work for me while you’re rehabbing so that, when you get back to playing golf, it’s easier for you to talk about our business as a sponsor to try and develop business to throw it to the financial services side?” And Jason, the reality is, after 18 months working there, I fell in love with it. I made way more money working in that environment than I ever would’ve made playing golf because, again, I came to the game late. I was decent but I was nowhere near the caliber of players that are succeeding now out on tour. So, I pivoted after having met my wife and decided to settle down into the wealth management space and, what is it now, 26 years later, going strong. So, it’s been a fun transition from golf into wealth management to say the least. Jason Diamond: Probably my favorite background … I watch a lot of golf, I should caveat that, probably my favorite origin story we’ve had, I’ll give you the Wanamaker trophy or whatever you get, first place. Let’s talk about the business now, so Certuity. For our audience who may not be familiar, tell us a little bit about the firm, what types of clients do you serve and any context you can provide on size as well. We’ll talk about how your firm got there but just give us where we are today to start with. Constantine Hatzivassiliou: So, goal by the end of the year is to have $5 billion in AUM, we’re just shy of that now. We currently service 428 families across the country. So, we’re boutiquey and nimble, we’re based in South Florida, we have offices in New York, San Fran and LA. I’m fortunate to be one of four partners at the firm supporting the growth and the direction of the company and it’s a fun endeavor in the sense that, when we first started, I was employee number four 16 years ago and, with 210 million in AUM at the time to grow it to where we are today, to learn all the things that we have over the years, the curve balls that were thrown at us because all of us came from massive institutional wealth management firms. So, we transitioned from the Bernsteins of the world, the BNY Mellons of the world into an RIA in the South Florida market, there was absolutely an entrepreneurial learning curve involved. Jason Diamond: I bet. And on follow-up question, 16 years ago, did you have a book of business, client business and do you still maintain a book of business today? Constantine Hatzivassiliou: I do. The four of us at the firm share in all of the clients, we work together. Being in the Southeast, I’m responsible for, let’s call it, the Southeast demographics of the US which is a large portion of Certuity’s book. I have a partner in Tennessee, I have a partner in LA and San Francisco and we divide and conquer across the country. But, yes, we came over with a small book, we’ve all grown it organically since then. So, we’ve been very effective in how we’ve grown. Jason Diamond: Just from adding new client money? Constantine Hatzivassiliou: Strictly through new clients referred to us by existing clients. Jason Diamond: Wow. I

Eric Bernstein of LendFriendMTG.com explains how DSCR loans skip debt-to-income entirely for investors.Real estate investors and self-employed borrowers keep getting denied by conventional lenders, not because they can't afford the house, but because banks don't know how to read income that doesn't show up as a clean W-2. Eric Bernstein, founder of LendFriendMTG.com, joins Jack to break down non-QM and DSCR lending, the two paths built specifically for investors, freelancers, and anyone whose income looks different on paper than it does in their bank account.They cover how DSCR loans underwrite the property instead of the person, why hitting 10 conventional loans forces serious investors into DSCR, how short-term rental income can rescue a deal that fails the 1:1 ratio, and what documents to have organized before you ever apply. Eric closes with a real case study on a SpaceX executive who was denied by four major banks despite a strong income, then approved at 95% loan-to-value through a portfolio loan.Key topics:What non-QM lending is and who it's actually built forHow DSCR loans skip debt-to-income and underwrite the property insteadUsing Airbnb and short-term rental income to fix a failing ratioThe documents to have ready before you applyCase study: a $3.5M denial that became a 95% LTV approvalAbout Eric Bernstein:Eric Bernstein is the founder of LendFriendMTG.com and has spent over 10 years in the mortgage industry, specializing in non-QM, DSCR, and portfolio lending for real estate investors and self-employed borrowers across 16 licensed states.Links:

This week we welcome writer/director Georgia Bernstein on the show to talk about making her first feature Night Nurse, why she decided to make an erotic thriller at a retirement home and how she got the film into Sundance and After that we play another round of the GAME, enjoy! Don't forget to support us on Patreon! www.patreon.com/mmihpodcast Leave us a Review on Apple Podcasts! https://podcasts.apple.com/us/podcast/making-movies-is-hard-the-struggles-of-indie-filmmaking/id1006416952 Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

A new housing law just passed that guarantees prices go higher. Bonds are breaking. And every bank bullish on Bitcoin refuses to buy Stretch.This episode is sponsored by Upwork. Visit https://upwork.com right now and post your job for free to connect with top talent ready to help your business grow.This episode is also sponsored by Ground News. Go to http://groundnews.com/schiff to get 40% off the unlimited access Vantage plan and unlock world-wide perspectives on the stories shaping our world.Watch more episodes: https://www.youtube.com/watch?v=TE0fyjt4Occ&list=PL9hNbo_Ztnr9cAg2Ee0Tiid1quEU1imiSThe Iran peace deal collapsed and the war is back on, yet US stock markets barely reacted — the AI bubble powering tech kept the S&P and Nasdaq positive while gold and silver sold off, with gold closing at $4,019 and silver falling 3.5% below $60. Bond yields climbed back to cycle highs with the 10-year at 4.56% and the 30-year at 5.06%, and Peter Schiff sees a major breakdown ahead that will hit stocks, housing, and crypto simultaneously.The 21st Century Road to Housing Bill became law without Trump's signature, and Schiff argues it will make housing worse, not better. Nine decades of government housing policy — every program sold as making homes more affordable — have produced the least affordable housing in American history, because subsidizing demand raises prices and the money ends up in sellers' pockets. Trump has openly said he wants home prices to rise, in the middle of an affordability crisis. Meanwhile SpaceX fell 36% from its highs in under two weeks with every open-market buyer underwater and lockup expirations still ahead. Every Wall Street firm covering Bitcoin is bullish — Citi at $82K, Standard Chartered at $100K, Bernstein at $150K, JP Morgan at $170K — yet not one is buying Stretch at $87.48, where a 13.7% yield proves the market doesn't believe Bitcoin can appreciate 12% a year. They don't believe their own forecasts.Chapters:00:00 Markets Defy Bad News01:38 War Tensions and Metals05:11 Bond Yields Warning Signs06:57 AI Bubble and IPO Mania11:42 Bitcoin Hype and Wall Street17:07 Dollar Flat Oil Rising18:09 Housing Bill Political Fight19:54 Affordability Crisis Explained24:16 How Subsidies Inflate Prices32:03 Bubble Collateral Trap32:58 Jobs Report Media Spin34:40 Housing Supply Not Subsidies37:20 Save America Act Debate41:25 Voting Rights Republic Critique52:49 Democracy Incentives Corruption57:12 Two Party No Choice58:42 Podcast Wrap UpYouTube: https://youtube.com/peterschiffX: https://x.com/peterschiffInstagram: https://instagram.com/peterschiffTikTok: https://tiktok.com/@peterschiffofficialFacebook: https://facebook.com/peterschiffOur Sponsors:* Check out Chilipad and use my code GOLD for a great deal: https://sleep.me* Check out Fast Growing Trees and use my code GOLD for a great deal: https://www.fast-growing-trees.com* Check out Plaud AI and use my code GOLD for a great deal: https://plaud.ai* Check out Quince and use my code quince.com/gold for a great deal: https://www.quince.com* Check out TruDiagnostic and use my code GOLD20 for a great deal: https://www.trudiagnostic.comPrivacy & Opt-Out: https://redcircle.com/privacy

"We have a trove of treasure. These are the case studies, and we need the case studies - these are the flora and fauna of our field. This is how we work. We work by reading case studies and they enrich us. Not only do they enrich the community, but they also enrich us as therapists who write their case studies, and they get to be involved in deeper layers of the actual case study. When we write a case study we are in a better position to understand the patient, and we are in a better position to convey that knowledge to the psychoanalytic community. But as you said, it's a big challenge. Psychodynamic case studies belong to the genre of creative nonfiction. They are like memoirs, biographies, all are based on truth and imagination. This dual form of truth, what actually happened and imagination, is very important to our genre. But we are different from those who write memoirs or biographies, because we have responsibility to our patients and to our community."  Episode Description: Aner views case reports as the Rosetta Stones of our field. We discuss the nature of the 'creative non-fiction' that is inherent in writing about the nuanced, intimate and affectively alive experience that is dynamic treatment. He shares his commitment to maintaining "responsible creativity" in writing about this work and always keeps in mind protecting the dignity of the patient. Aner recognizes the vulnerability that the therapist also undergoes in revealing themselves to the reader and alerts us to "clinical narcissism" - the temptation to exhibit oneself in place of sharing the authenticity of the clinical encounter. He presents the different phases of a deepening treatment along with the understanding that they are inherently schematic and removed from the aliveness of the dyad. He shares vignettes that are understood through a Kleinian, Winnicottian and Relational lens and closes noting that "effective clinical writing is as much an art as a science requiring technical proficiency, creative insight and literary skills." Our Guest: Aner Govrin, PhD, is a psychoanalyst, philosopher, and clinical psychologist. He is the director of a doctoral program, "Psychoanalysis and Hermeneutics," at The Program for Hermeneutics & Cultural Studies, Bar-Ilan University. He is a member of the Tel-Aviv Institute for Contemporary Psychoanalysis (TAICP) and Editor of the Routledge series Introductions to Contemporary Psychoanalysis. He also conducts workshops on psychodynamic case-study writing and on a range of psychoanalytic topics at the Tavistock, as well as in training programs in the United States, England, China and Israel.  Recommended Readings:  Amir, D. (2016). Studium and punctum in psychoanalytic writing: Reading case studies through Roland Barthes. Psychoanalytic Review, 103(1), 51–65.   Bernstein, S. B. (2024) The Process of Case Writing: A Fourth Pillar of Analytic Training. Journal of the American Psychoanalytic Association 72:267-294   Boesky, D., Barros, E. R., & Chabert, C. (2013). What does the presentation of case material tell us about what actually happened in an analysis and how does it do this? International Journal of Psychoanalysis, 94, 1129–1134.   Gabbard, G. O. (2000). Disguise or consent: Problems and recommendations concerning the publication and presentation of clinical material. International Journal of Psychoanalysis, 81(6), 1071–1086.   Govrin, A. (2025) Responsible Creativity: Combining Clinical Report and Literary Writing in the Psychodynamic Case Study. Psychoanalytic Psychotherapy 39:20-39   Govrin, A. (2026). The Craft of the Psychodynamic Case Study: A Practical Guide, Routledge.   Ogden, T. H. (2021). Analytic writing as a form of fiction. Journal of the American Psychoanalytic Association, 69(2), 221–223.   Piccioli, E., Rossi, P. L., & Semi, A. A. (Eds.). (1996). Writing in psychoanalysis. Karnac Books.

Dave Smith brings you the latest in politics! On this episode of Part Of The Problem, Dave and Robbie "the fire" Bernstein discuss Karoline Leavitt's controversial comments about young people not working hard enough, Zohran Mamdani's speech on the 4th of July, and more.Support Our Sponsors:Quince - Get free shipping on your Quince order and 365-day returns athttps://www.quince.com/POTPShopify: Every self-made person started somewhere. Yours starts free at https://www.shopify.com/potpSuperpower - Head to Superpower.com and use code PROBLEM at checkout for $20 off your membership. Unlock your new health intelligence. 100+ biomarkers. Every year. Detect early signs of 1,000+ conditions. #superpowerpodIndaCloud - If you're 21 or older, get 40% OFF your first order + free shipping @IndaCloud with code [PROBLEM] at https://inda.shop/PROBLEM! #indacloudpodPart Of The Problem is available for early pre-release at https://partoftheproblem.com as well as an exclusive episode on Thursday!PORCH TOUR DATES HERE:https://robbernsteincomedy.com/eventsFind Run Your Mouth here:YouTube - http://youtube.com/@RunYourMouthiTunes - https://podcasts.apple.com/us/podcast/run-your-mouth-podcast/id1211469807Spotify - https://open.spotify.com/show/4ka50RAKTxFTxbtyPP8AHmFollow the show on social media:X:http://x.com/ComicDaveSmithhttp://x.com/RobbieTheFireInstagram:http://instagram.com/theproblemdavesmithhttp://instagram.com/robbiethefire#libertarian See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

"Night Nurse" is a 2026 American erotic thriller film written, produced, and directed by Georgia Bernstein, starring Cemre Paksoy, Bruce McKenzie, Eleonore Hendricks, Colleen Rose Trundy, and Mimi Rogers. It follows a starry-eyed nurse who becomes entangled with a mysterious patient when a series of perverse scam calls unsettles an idyllic retirement community. The film had its world premiere at the 2026 Sundance Film Festival, where it received positive reviews. Bernstein was kind enough to spend some time talking with us about her work and experience making the film, which you can listen to below. Please be sure to check out the film, which will open in select theaters in NY and LA from Independent Film Company on July 10th. Thank you, and enjoy! Check out more on NextBestPicture.com Please subscribe on... Apple Podcasts - https://itunes.apple.com/us/podcast/negs-best-film-podcast/id1087678387?mt=2 Spotify - https://open.spotify.com/show/7IMIzpYehTqeUa1d9EC4jT YouTube - https://www.youtube.com/channel/UCWA7KiotcWmHiYYy6wJqwOw And be sure to help support us on Patreon for as little as $1 a month at https://www.patreon.com/NextBestPicture and listen to this podcast ad-free Learn more about your ad choices. Visit megaphone.fm/adchoices

Regulators try to freeze illicit stablecoins, but the money's usually gone before the freeze lands. The hosts on why crypto sanctions keep failing. Thanks to our sponsor!

Dave Smith brings you the latest in politics! On this episode of Part Of The Problem, Dave and Robbie "the fire" Bernstein discuss the Supreme Court decision to uphold birthright citizenship, the impact on the future of the country, and more.Support Our Sponsors:BodyBrain - Go to BodyBrainCoffee.com, use code DAVE20 for 20% off your first orderBrunt Workwear - http://bruntworkwear.com/ Use code PROBLEMCowboy Colostrum - Get 25% Off Cowboy Colostrum with code DAVE at https://www.cowboycolostrum.com/DAVEPart Of The Problem is available for early pre-release at https://partoftheproblem.com as well as an exclusive episode on Thursday!PORCH TOUR DATES HERE:https://robbernsteincomedy.com/eventsFind Run Your Mouth here:YouTube - http://youtube.com/@RunYourMouthiTunes - https://podcasts.apple.com/us/podcast/run-your-mouth-podcast/id1211469807Spotify - https://open.spotify.com/show/4ka50RAKTxFTxbtyPP8AHmFollow the show on social media:X:http://x.com/ComicDaveSmithhttp://x.com/RobbieTheFireInstagram:http://instagram.com/theproblemdavesmithhttp://instagram.com/robbiethefire#libertarian See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dave Smith brings you the latest in politics! On this episode of Part Of The Problem, Dave and Robbie "the fire" Bernstein discuss the pull back into the conflict with Iran, J.D. Vance doing PR on Bill Maher, and more.Support Our Sponsors:Quince - Get free shipping on your Quince order and 365-day returns athttps://www.quince.com/POTPUltra - Don't sleep on Ultra Pouches. New customers get 15% Off with code PROBLEM at https://takeultra.com!Hexclad - Find your forever cookware @hexclad and get10% off at https://hexclad.com/PROBLEM! #hexcladpartnerPart Of The Problem is available for early pre-release at https://partoftheproblem.com as well as an exclusive episode on Thursday!PORCH TOUR DATES HERE:https://robbernsteincomedy.com/eventsFind Run Your Mouth here:YouTube - http://youtube.com/@RunYourMouthiTunes - https://podcasts.apple.com/us/podcast/run-your-mouth-podcast/id1211469807Spotify - https://open.spotify.com/show/4ka50RAKTxFTxbtyPP8AHmFollow the show on social media:X:http://x.com/ComicDaveSmithhttp://x.com/RobbieTheFireInstagram:http://instagram.com/theproblemdavesmithhttp://instagram.com/robbiethefire#libertarian See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dave Smith brings you the latest in politics! On this episode of Part Of The Problem, Dave and Robbie "the fire" Bernstein discuss Tucker announcing his end of support for the Republican party, Michael Knowles urging republicans that the party is not their enemy, the rocky start to negotiations with Iran, and more.Support Our Sponsors:Brunt Workwear - http://bruntworkwear.com/ Use code PROBLEMProlon - https://prolonlife.com/potpTroll Co - https://www.trollco.com/problem and use code DAVE25 for 25% off your first order.Part Of The Problem is available for early pre-release at https://partoftheproblem.com as well as an exclusive episode on Thursday!PORCH TOUR DATES HERE:https://robbernsteincomedy.com/eventsFind Run Your Mouth here:YouTube - http://youtube.com/@RunYourMouthiTunes - https://podcasts.apple.com/us/podcast/run-your-mouth-podcast/id1211469807Spotify - https://open.spotify.com/show/4ka50RAKTxFTxbtyPP8AHmFollow the show on social media:X:http://x.com/ComicDaveSmithhttp://x.com/RobbieTheFireInstagram:http://instagram.com/theproblemdavesmithhttp://instagram.com/robbiethefire#libertarian See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dave Smith brings you the latest in politics! On this episode of Part Of The Problem, Dave and Robbie "the fire" Bernstein discuss the pivot in negotiations with Iran, Ben Shapiro giving advice on combat strategy on his show, the silver lining of this war, and more.Support Our Sponsors:CrowdHealth - https://www.joincrowdhealth.com/promos/potpRidge - https://ridge.com/potp10Hexclad - Find your forever cookware @hexclad and get10% off at https://hexclad.com/PROBLEM! #hexcladpartnerUltra - Don't sleep on Ultra Pouches. New customers get 15% Off with code PROBLEM at https://takeultra.com!Part Of The Problem is available for early pre-release at https://partoftheproblem.com as well as an exclusive episode on Thursday!PORCH TOUR DATES HERE:https://robbernsteincomedy.com/eventsFind Run Your Mouth here:YouTube - http://youtube.com/@RunYourMouthiTunes - https://podcasts.apple.com/us/podcast/run-your-mouth-podcast/id1211469807Spotify - https://open.spotify.com/show/4ka50RAKTxFTxbtyPP8AHmFollow the show on social media:X:http://x.com/ComicDaveSmithhttp://x.com/RobbieTheFireInstagram:http://instagram.com/theproblemdavesmithhttp://instagram.com/robbiethefire#libertarian See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dave Smith brings you the latest in politics! On this episode of Part Of The Problem, Dave and Robbie "the fire" Bernstein discuss the further development of the deal with Iran, Trump's public statements about Israel depending on him, J.D. Vance going over the deal on Sean Hannity's show, and more.Support Our Sponsors:USA compounded, The Wellness Company's RX Ivermectin + Mebendazole Parasite Cleanse! Click http://www.twc.health/problem and use code PROBLEM for up to $60 Off + Free Shipping on every order. USA Residents only.CrowdHealth - https://www.joincrowdhealth.com/promos/potpQuince - Get free shipping on your Quince order and 365-day returns at https://www.quince.com/POTPIndaCloud - If you're 21 or older, get 40% OFF your first order + free shipping @IndaCloud with code [PROBLEM] at https://inda.shop/PROBLEM! #indacloudpodPart Of The Problem is available for early pre-release at https://partoftheproblem.com as well as an exclusive episode on Thursday!PORCH TOUR DATES HERE:https://robbernsteincomedy.com/eventsFind Run Your Mouth here:YouTube - http://youtube.com/@RunYourMouthiTunes - https://podcasts.apple.com/us/podcast/run-your-mouth-podcast/id1211469807Spotify - https://open.spotify.com/show/4ka50RAKTxFTxbtyPP8AHmFollow the show on social media:X:http://x.com/ComicDaveSmithhttp://x.com/RobbieTheFireInstagram:http://instagram.com/theproblemdavesmithhttp://instagram.com/robbiethefire#libertarian See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.