Podcasts about Bernstein

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

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

Rich Pzena, founder of $80bn AUM Pzena Investment Management, explains his value investing philosophy and how he built a deep value franchise by buying good businesses when they are deeply out of favour. He talks through recreating Benjamin Graham's net net research at Wharton, leaving a secure role at Bernstein to start his own firm, surviving ten quarters of brutal underperformance in the dot com bubble and how he nearly sold out but was persuaded to continue by Joel Greenblatt. Rich explains his clear framework for what makes a good business, how to judge if problems are temporary, and why most investors systematically misprice uncertainty and cyclicality. He thinks deep value investing is just commonsense.

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:

Today the gang speaks with veteran bev-alc/cannabis analyst Nadine Sarwat of Bernstein, where she argues that today's bev-alc weakness is mostly cyclical rather than structural, walking through the industry's wave of c-suite turnover, the collapsed Brown-Forman–Pernod Ricard tie-up, and why pricing architecture and perceived value—not tobacco-style price hikes or blanket cuts—are the real levers for producers meeting consumers "where they're at."=================================Our 3 Daily Bev-Alc Trade Publications: https://beernet.com/Watch on Youtube: https://www.youtube.com/@BeerNetRadio/videosPodcast feeds - Audio: https://creators.spotify.com/pod/beernetradio=================================About Us:Beer Business Daily / Wine & Spirits Daily publisher Harry Schuhmacher joins his editors and bev-alc industry guests once a week as they grok the beer and beverage business issues of the day. Like and subscribe; it's free.-Our Three Daily Bev-Alc Trade Publications: https://beernet.com/-Twitter: @beerbizdaily#beernews #beerindustry #beer #beerbusiness

In this episode, Brian sits down with Robert J. Bernstein, a speech clinician with over 35 years of experience working with autistic children and their families. Together, they explore how communication, learning, and connection can grow through everyday moments—not just structured therapy. This conversation challenges some traditional approaches in both school systems and home environments. Rob shares why many children struggle in classrooms that prioritize compliance over understanding, and how small shifts—like allowing movement, following a child's lead, and staying curious—can make a meaningful difference. They also dive into practical, real-life strategies for parents, including how to support communication without pressure, how to respond when a child seems distracted, and why persistence (without forcing) matters. If you're a parent feeling unsure, overwhelmed, or wondering if you're doing enough—this episode offers reassurance and simple ways to connect more deeply with your child.     Topics Covered Why everyday moments are powerful for building communication How school environments can impact self-esteem and regulation Supporting kids who need movement to learn The difference between compliance and true understanding How to respond to echolalia and automatic responses Teaching "no" and "I don't know" as meaningful communication Why persistence matters (and when to adjust your approach) How parents can advocate effectively within school systems     Memorable Quote "Don't give up… find a way to make a difference for your child."     About the Guest Robert J. Bernstein is an educational and cognitive therapist and autism specialist with over 35 years of experience supporting autistic children and their families.     Resources Mentioned Uniquely Normal by Robert J. Bernstein SpedNet (Special Education Network event)     About the Host Brian Keene is an occupational therapist and the founder of Pure Hearts Therapy, a pediatric therapy company based in Arizona. He specializes in neurodiversity-affirming, play-based therapy that supports children and families in building regulation, connection, and meaningful daily life skills.     Subscribe & Connect If this episode resonated with you, please consider sharing it with another parent who might benefit from this conversation. Listen and subscribe to the Autism Family Resource Podcast: https://pod.link/1591840956 Explore more resources for families at: https://pureheartstherapy.com

#Actors #CamrePaksoy, #BruceMcKenzie & #MimiRogers join #director #GeorgiaBernstein to chat about the new #sexualpsychocological #thriller #nightnurse #Celebrity #interview #TonyToscano #ScreenChatter #lostinspace #independentfilm 

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.

When should software lose free speech protections?This podcast covers software and the First Amendment, tracing the history from Cold War export controls to recent restrictions on advanced AI models. My goal: the internet's most comprehensive explainer on speech and code, from cryptography to cryptocurrency to AI.In this episode, you'll hear from leading experts on the legal layer of software and free speech:Peter Van Valkenburgh, Executive Director at Coin CenterLaz Pieper, Director of Research at Coin CenterEugene Volokh, First Amendment scholar and Fellow at the Hoover InstitutionJane Bambauer, Brechner Eminent Scholar at the University of FloridaPreston Byrne, Managing Partner at Byrne & StormSam Enzer, partner at Cahill Gordon & Reindel and co-chair of CahillNXTBy the end of this episode, I promise you'll be in the top percentile for understanding when code is protected speech, regardless of where you're starting from. (You just might need to listen twice. There's a lot here.)This episode is presented by Altitude, visit Altitude.xyz/law to learn more about their financial operating system.Timestamps:0:00 Anthropic AI export controls6:17 Introduction9:39 Reading the First Amendment10:38 Eugene Volokh on his First Amendment philosophy13:42 The machine gun sculpture: speech vs function19:24 Peter Van Valkenburgh interview25:50 The Cold War, munitions list and Phil Zimmermann29:57 The Bernstein case34:53 Strict scrutiny38:48 The Corley case49:17 Sorrell, Stevens and where the Supreme Court is heading53:25 Preston Byrne on the Supreme Court's AI case57:23 Defense Distributed and 3D-printing1:04:00 Where publication ends and professional conduct begins1:15:20 Lowe v. SEC and the agency line1:45:45 Compelled speech, the IRS broker rule and tobacco labels2:04:17 Laz Pieper on Sorrell and third-party liability2:11:29 Preston Byrne on the GRANITE Act and foreign censorshipNewsletter: Stay updated on emerging tech law for free at lawofcode.fm. https://www.lawofcode.fm/Any feedback on this episode? Or how to improve the podcast? Click here. https://forms.gle/W4d2a5aHuLJjuNdn7Sponsors: Thank you to the Hyperliquid Policy Center and Solana Policy Institute for supporting this podcast.To get in touch with the Cahill team about how any issues discussed in this episode apply to your situation, email mtomsky@cahill.com. Subscribe to Cahill's free client alerts on digital assets and emerging technology at https://www.cahill.com/news/index?search=1&practice=litigation-digital-assets-and-emerging-technology.Disclaimer: This podcast is for informational and educational purposes only and does not constitute legal or investment advice. Views expressed by guests are their own and do not necessarily reflect those of their employers. Listening to this podcast does not create an attorney-client relationship.

El sector del lujo podría haber encontrado un “aliado” para salir de la crisis en la fortuna generada por la inteligencia artificial que aterriza en los grandes almacenes de lujo en Asia. Es lo que los analistas de Bernstein bautizan como “efecto riqueza de la IA”, es decir, la manera en que la fortuna recién generada por el auge de la IA se vierte en los establecimientos de alta gama asiáticos. Buenas noticias para Stellantis.. las ventas de vehículos en el segundo trimestre han aumentado un 10% interanual hasta casi las 1,6 millones de unidades, impulsadas principalmente por el sólido crecimiento en el mercado norteamericano. Telefónica Alemania está valorando un plan de reestructuración que contempla reducir su plantilla en más de 1.000 puestos de trabajo, aproximadamente un 15% de la plantilla. y Nippon Paint lanza una oferta de 7.500 millones por el negocio de pinturas decorativas de AzkoNobel. Entrevistaremos a Vicente Cancio, presidente de la Fundación Junior Achievement y CEO de Zurich España, para hablar de IA y emprendimiento.

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.

This week we're putting The Tonearm's needle on trumpeter, composer, and bandleader Steven Bernstein. Amongst his many activities, Steven leads Sexmob and the Millennial Territory Orchestra and serves as Laurie Anderson's musical director. He's out now with an entwined set of albums. ResoNation Trio pares him down to valve trumpet, bass, and drums with Scott Colley and Nasheet Waits. Ultra Resonance is producer Scotty Hard's full reinvention of that same recording. We talk about why a trumpet trio gave him a blank slate, what Burning Spear has to do with Ultra Resonance, and what it means to still be playing Levon Helm's music twenty-two years from when he started. (The musical excerpts heard in the interview are from Steven Bernstein's albums, ResoNation Trio and Ultra Resonance)—Dig DeeperSteven Bernstein:Visit Steven Bernstein at stevenbernstein.net and browse his projects — including Sexmob and the Millennial Territory OrchestraPurchase ResoNation Trio and Ultra Resonance from Royal Potato Family, Bandcamp, or Qobuz, and listen on your streaming platform of choiceRead the All About Jazz review.The Trio and Collaborators:Scott Colley — bassNasheet Waits — drumsScotty Hard — producer of Ultra ResonanceBands, Projects, and Company Kept:Laurie Anderson with Sexmob, Let X=X (Live) on NonesuchLevon Helm Studios and the Helm Family Midnight Ramble, Woodstock, NYMusical Touchstones:Burning Spear, Garvey's Ghost (1976) — the dub companion to Marcus Garvey that seeded the Ultra Resonance concept: Wikipedia · streamingMiles Davis, Panthalassa: The Music of Miles Davis 1969–1974, reconstructed by Bill Laswell — a precedent for reworking improvised recordings: Wikipedia · streamingButch Morris, who gave Bernstein some of his earliest New York gigs, and his theory of Conduction—Dig into this episode's complete show notes at podcast.thetonearm.com—• Did you enjoy this episode? Please share it with a friend! You can also rate The Tonearm ⭐️⭐️⭐️⭐️⭐️ and leave a review on Apple Podcasts. • Subscribe! Be the first to check out each new episode of The Tonearm in your podcast app of choice. • Looking for more? Visit podcast.thetonearm.com for bonus content, web-only interviews + features, and the Talk Of The Tonearm email newsletter. You can also follow us on Bluesky, Mastodon, YouTube, and LinkedIn. • Be sure to bookmark our online magazine, The Tonearm! → thetonearm.com Hosted on Acast. See acast.com/privacy for more information.

This week we're putting The Tonearm's needle on trumpeter, composer, and bandleader Steven Bernstein. Amongst his many activities, Steven leads Sexmob and the Millennial Territory Orchestra and serves as Laurie Anderson's musical director. He's out now with an entwined set of albums. ResoNation Trio pares him down to valve trumpet, bass, and drums with Scott Colley and Nasheet Waits. Ultra Resonance is producer Scotty Hard's full reinvention of that same recording. We talk about why a trumpet trio gave him a blank slate, what Burning Spear has to do with Ultra Resonance, and what it means to still be playing Levon Helm's music twenty-two years from when he started. (The musical excerpts heard in the interview are from Steven Bernstein's albums, ResoNation Trio and Ultra Resonance)—Dig DeeperSteven Bernstein:Visit Steven Bernstein at stevenbernstein.net and browse his projects — including Sexmob and the Millennial Territory OrchestraPurchase ResoNation Trio and Ultra Resonance from Royal Potato Family, Bandcamp, or Qobuz, and listen on your streaming platform of choiceRead the All About Jazz review.The Trio and Collaborators:Scott Colley — bassNasheet Waits — drumsScotty Hard — producer of Ultra ResonanceBands, Projects, and Company Kept:Laurie Anderson with Sexmob, Let X=X (Live) on NonesuchLevon Helm Studios and the Helm Family Midnight Ramble, Woodstock, NYMusical Touchstones:Burning Spear, Garvey's Ghost (1976) — the dub companion to Marcus Garvey that seeded the Ultra Resonance concept: Wikipedia · streamingMiles Davis, Panthalassa: The Music of Miles Davis 1969–1974, reconstructed by Bill Laswell — a precedent for reworking improvised recordings: Wikipedia · streamingButch Morris, who gave Bernstein some of his earliest New York gigs, and his theory of Conduction—Dig into this episode's complete show notes at podcast.thetonearm.com—• Did you enjoy this episode? Please share it with a friend! You can also rate The Tonearm ⭐️⭐️⭐️⭐️⭐️ and leave a review on Apple Podcasts. • Subscribe! Be the first to check out each new episode of The Tonearm in your podcast app of choice. • Looking for more? Visit podcast.thetonearm.com for bonus content, web-only interviews + features, and the Talk Of The Tonearm email newsletter. You can also follow us on Bluesky, Mastodon, YouTube, and LinkedIn. • Be sure to bookmark our online magazine, The Tonearm! → thetonearm.com Hosted on Acast. See acast.com/privacy for more information.

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

The Dow Jones pulled back from record levels as investors once again rotate out of AI stocks into safer sectors of the market. Brian Sullivan is joined on set by Fortress Investment's Elizabeth Burton to break down her strategy to navigate the recent volatility while Bernstein's Doug Harned lays out the case for SpaceX after his firm initiated the stock with an outperform rating. Brian also gets an exclusive one-on-one interview with Exelon CEO, Calvin Butler, to address some of the power concerns in the U.S. and the lack of power generation currently supplying the national grid.   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Diane King Hall discusses this morning's top moving stocks at the opening bell. She says AMD Inc.'s (AMD) price target was raised at Goldman Sachs and ASML's (ASML) price target was raised at Bernstein. Diane also discusses Bernstein's downgrade on Datadog (DDOG).======== 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

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!

#495> To purchase the book: https://mosaicapress.com/product/from-ruins-to-redemption/?sld=seforimchatter and use code CHATTER for 15% off> To join the SeforimChatter WhatsApp community: https://chat.whatsapp.com/DZ3C2CjUeD9AGJvXeEODtK> To join the SeforimChatter WhatsApp status: https://wa.me/message/TI343XQHHMHPN1>  To support the podcast or to sponsor an episode follow this link: https://seforimchatter.com/support-seforimchatter/or email seforimchatter@gmail.com (Zelle/QP this email address)Support the show

Steven Bernstein, the Berkeley-born trumpeter, composer, and bandleader, joins host Steve Roby for a wide-ranging conversation about five decades of musical exploration, his upcoming SFJAZZ residency, and two new companion albums that reimagine the same music through entirely different sonic lenses. What We Talk AboutGrowing up in Berkeley during the '60s and '70s — how the city's unique musical culture, the Keystone Corner jazz scene, and a school improvisation program shaped Bernstein's musical identityWhy funk — not rock — was the lingua franca of Bay Area youth, and how Tower of Power loomed larger than The Beatles in that worldArriving in New York in 1979 at the dawn of the punk-funk era (Defunkt, James White and the Blacks), and finding his musical home in the downtown sceneThe origin story of Sexmob — born not in rehearsals but in late-night residencies at the Knitting Factory and Tonic, playing for live audiences and letting their reactions shape the musicResonation Trio and Ultra Resonance — two albums built from the same source material, one an acoustic trumpet trio, the other a full dub reimagining by producer Scotty Hard. Bernstein traces the idea back to first hearing Burning Spear's Garvey's Ghost and his lifelong love of surrealism and the magic realism of Borges and CortázarTouring with Laurie Anderson and how Sexmob became one of her closest musical ensembles — and what makes "Church of Panic" a perfect example of the band's instinctive, arrangement-free approachA deep dive into Banacek from The Hard Way — how Julius Hemphill's Dogon A.D. still echoes in Bernstein's playing, and the enduring musical partnership with John MedeskiThe SFJAZZ residency: Sexmob Does The Bay — why Bernstein split the run into two nights of Bay Area psychedelic rock (with guitarist Liberty Ellman) and two nights of classic Latin soul (with percussionist John Santos)The Santana connection, the Afro-Latin heartbeat of Berkeley, and the gumbo culture that made Bay Area music unlike anywhere elseA surprise detour into Jimi Hendrix's brief Berkeley childhood — and a hint that a Hendrix project may be next on Bernstein's listMusic Featured"Church of Panic" — Laurie Anderson (with Sex Mob)"Banacek" — Sex Mob & Scotty Hard (The Hard Way)All music was supplied by the artist and used with their permission.Show DetailsArtist: Steven Bernstein's SexmobVenue: Joe Henderson Lab, SFJAZZ CenterDate: July 16–19, 2026 (2026 SFJAZZ Summer Sessions)Shows: Thu, July 16 & Fri, July 17 — Bay Area Psychedelic Rock, with Liberty Ellman; Sat, July 18 & Sun, July 19 — Classic Latin Soul, with John Santos. Showtimes: Thu–Sat 7:00 & 8:30 PM, Sun 6:00 & 7:30 PM.Tickets: sfjazz.org

This episode we are joined by Mr. Ben Dell - co-founder & managing partner of Kimmeridge - a private equity firm with ~$6 billion under management. Ben Dell is a Managing Partner of Kimmeridge and oversees investment activity across the firm. He is closely involved in the screening of new geological opportunities and in the negotiation and execution of investment strategies. Prior to founding Kimmeridge, Mr. Dell was a Senior Equity Research Analyst for Oil and Gas Exploration and Production (E&P) at Sanford C. Bernstein, where he was ranked first three times in the Institutional Investor Research Survey for coverage of E&Ps. Mr. Dell was also ranked for Natural Gas and for Oil Services and Equipment coverage. Mr. Dell joined Sanford C. Bernstein in 2003. Prior to joining Bernstein, Mr. Dell was employed at British Petroleum (BP) in its M&A and finance group. Before moving into the finance field, Mr. Dell also held positions as an exploration geologist and geophysicist across several of BP's regional business units. Mr. Dell is currently CEO of Chestnut Carbon, a nature-based carbon removal developer and is on the Board of Caturus HoldCo, LLC., a large private natural gas producer in South Texas. He previously held positions as Chairman of the Board and interim CEO of Civitas Resources, Inc. (“Civitas”), a company that formed from the merger of Extraction Oil & Gas, Inc. and Bonanza Creek Energy, Inc. Mr. Dell earned an undergraduate degree and a master's degree in Earth Sciences from St. Peter's College, Oxford. Among other things we learned about $40M to $6 Billion: Building a Private Equity Firm in Energy.Enjoy.Newsletter: Subscribe HereThank you to our sponsors.Without their support this episode would not be possible:Connate Water SolutionsATB Capital MarketsBunch Projects-*This podcast is for informational and educational purposes only, and is not intended as investment advice. Please do your own research, and consult professionals directly before making any investment decisions.Support the show

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.

What if happiness isn't something you find—but something you create? In this episode, we sit down with author, speaker, coach, and three-time cancer survivor Claudia Noriega-Bernstein for a powerful conversation about choosing authentic happiness from the inside out. We explore why so many of us unknowingly hand our happiness over to other people and circumstances—and what it really takes to reclaim it.Together, we unpack the power of personal responsibility, gratitude, healthy relationships, purpose, and becoming the highest version of yourself. Whether you're navigating midlife, healing from life's challenges, or simply wondering what's next, this conversation is full of practical wisdom and inspiring perspective that will leave you thinking differently about what it means to truly thrive.Episode Highlights[0:03] - Welcoming Claudia Noriega-Bernstein and introducing the journey to authentic happiness[2:11] - Why no one else is responsible for your happiness but you[3:01] - How surviving cancer three times changed Claudia's perspective on living with purpose[5:06] - Why waiting for the "right time" keeps us from living fully today[7:58] - The difference between temporary pleasure and authentic happiness[9:37] - Daily habits that help you intentionally create more joy[13:45] - Teaching children gratitude and emotional resilience from an early age[14:50] - Why your partner isn't responsible for making you happy[18:43] - Becoming the person you're hoping to attract in your relationships[20:55] - Building inner abundance instead of seeking external validation[23:41] - Creating an avatar of your highest self to guide everyday decisions[26:46] - Growing individually while building stronger relationships[28:18] - Claudia's nonprofit mission to support and empower single mothers[33:15] - Finding your purpose by reconnecting with your "why"[35:27] - Choosing radical responsibility as the path to lasting happiness[36:22] - Where to connect with Claudia and support her Author of the Year nominationLinks & ResourcesClaudiaNoriegaBernstein.comInstagram: @Claudia_Noriega_BernsteinFacebook: @ClaudiaNoriegaBernsteinLinkedIn: https://www.linkedin.com/in/claudia-noriega-bernstein/Vote for Claudia for the International Impact Book Awards – Author of the Year:https://apply.internationalimpactbookawards.com/public-voting-formIf today's discussion resonated with you or sparked curiosity, please rate, follow, and share "Insights from the Couch" with others. Your support helps us reach more people and continue providing valuable insights. Here's to finding our purposes and living a life full of meaning and joy. Stay tuned for more!  Ever stayed quiet to keep the peace and felt yourself disappear? The Cost of Quiet is for anyone who avoids conflict and pays the price. Reclaim your voice, strengthen your relationships, and experience real peace. Order your copy and join the movement: https://www.colettejanefehr.com/new-book

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.

AMD Inc. (AMD) closed as one of the S&P 500's biggest winners with new records and raised price targets. SanDisk (SNDK) also surged after Bernstein raised its price targets and Oppenheimer downgraded major U.S. banks. Bank of America (BAC), Morgan Stanley (MS), Goldman Sachs (GS) and Citigroup (C).======== 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

This dual bonus episode features two cases we covered in 2025 on Patreon:The Disappearance of the Bernstein Family (Abigail, and her two boys)The Disappearance of the Klein Brothers (Three young boys from Minnesota)

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.

JOIN Paid to be You WorkshopConnect with Laura: https://laurabernsteinhealing.com/------In this heartfelt conversation, Nikki sits down with energy healer Laura Bernstein to explore the connection between emotions, intuition, and energetic wellbeing. Together, they discuss how anxiety, guilt, and other emotions can become stored in the body, why energetic hygiene matters, and how clearing old patterns can help us reconnect with ourselves. Laura shares practical ways to work with emotions, strengthen intuition, and move back into a state of flow and alignment. Whether you're feeling stuck, overwhelmed, or simply craving a deeper connection with yourself, this episode offers powerful insights and healing perspectives.

Why Your Brain Is Starving Even When You Eat ft. Dr. Matt Bernstein What if the symptoms we call "mental illness" aren't really about brain chemistry at all, but about a brain that's literally starving for energy? In this episode of The Medical Disruptor, I sit down with psychiatrist Dr. Matt Bernstein, who trained and taught at Harvard before everything he believed about mental health got turned upside down. It started with what he was seeing in his own patients, and then it became personal when his own children got sick at home. We get into the science most psychiatrists were never taught. Dr. Bernstein explains how brain insulin resistance can leave your neurons swimming in glucose but unable to use it for fuel, why mitochondrial dysfunction and inflammation may be the real root causes behind conditions like bipolar disorder and severe depression, and how a ketogenic diet can give the brain a fuel source it can actually access. He also shares one of the biggest eye-openers for me personally, which is that the "relapse" so many people experience after stopping medication is often withdrawal, not the illness coming back. We also talk about why the "chemical imbalance" story is incomplete and what's actually happening in the brain, how food, exercise, sleep, and metabolic health work together to heal the mind, and the difference between a clinician questioning the model and a health influencer simply guessing. Everything you think you know about why the brain breaks down is about to be challenged. Press play and let Dr. Bernstein walk you through the science that changed his mind, and his entire practice. Want more practical health tips? Join my newsletter! https://freechapter.lpages.co/newsletter-opt-in/ "Fine" isn't the same as well. Stop waiting to collapse before someone listens. Build your case https://freechapter.lpages.co/how-to-build-a-case-for-yourself/ Check us out on social media: https://www.instagram.com/drefratlamandre https://www.facebook.com/drefratlamandre https://www.tiktok.com/@drefratlamandre #functionalmedicine #drefratlamandre #medicaldisruptor #NPwithaPHD #nursepractitioner #medicalgaslighting Chapters 0:00 - Introduction 2:23 - When His Own Sons Got Sick 11:02 - The "Chemical Imbalance" Myth 18:04 - Why Your Brain Is Starving 22:20 - Switching the Brain's Fuel 29:09 - "Isn't This Just False Hope?" Guest Links: FB: https://www.facebook.com/accordmh IG: https://www.instagram.com/accordmh/ Website: https://accordmh.com Learn more about your ad choices. Visit megaphone.fm/adchoices

MOPs & MOEs is proudly sponsored by Teamworks — the performance operations platform trusted by elite military units and professional sports organizations worldwide. Teamworks brings your scheduling, communications, athlete monitoring, and readiness data into one unified system — so your leaders stay informed, your people stay connected, and your unit stays ready. No more scattered spreadsheets or missed messages. Just one platform built for organizations where performance is the mission. Learn more at teamworkstactical.comWe are also supported by TrainHeroic — the coaching and programming platform built for strength and conditioning coaches who train serious athletes. Whether you're programming for a military unit, a tactical team, or individual athletes, TrainHeroic gives you the tools to build and deliver professional training programs, track athlete progress, and communicate directly with your people — all through one app. Your athletes get world-class programming on their phone; you get the visibility to actually coach them. Start your free trial at trainheroic.comNavy Human Performance Is Coming — Commander Kevin Bernstein ReturnsKevin Bernstein is back for round two, fresh into a brand new role as Director of Human Performance for naval aviation on the East Coast. He's six weeks into building something the Navy has never had: a real program of record for the sailors flying, fixing, and fighting from carriers and squadrons across the fleet.What we get into:Why Navy's body composition data is the worst of any service, and why basic readiness tasks like firefighting and damage control on a ship demand a level of fitness the current PT test doesn't measure.The staffing model Kevin's building, borrowed from what's already worked at Naval Special Warfare — sports medicine physicians, physical therapists, strength coaches, dietitians, and cognitive specialists all under one roof, no turf wars, all reporting to the operator's needs.Why staffing needs differ wildly by platform — fighter jets versus cargo aircraft versus rotary wing all create different injury patterns and demand different specialists, and Kevin's building ratios around that instead of a one-size-fits-all model.The credentialing fight nobody talks about — whether embedded providers get privileged through the local hospital or through service leadership that actually understands the mission, and why that distinction will shape every branch's human performance program going forward.Scope of practice in the field — Kevin's blunt take on doing an ultrasound exam in a squadron space versus a sterile OR, and why "industry standard" sports medicine practice shouldn't get flagged just because it's happening outside a hospital.The Federal Acquisition Regulation deep dive — Drew and Alex make the case for a personal services contract exemption for strength coaches, and Kevin confirms he's quoting the same FAR language in the contracts he's writing right now.The actual rollout plan — POM-29 request for 73 new billets, a phased approach starting with strike fighter wings, and a realistic timeline stretching from 2028 to 2033.A surprisingly deep tangent on Pilates, Joseph Pilates' origin story rehabbing WWI soldiers, and why it might become part of the Navy's spine preservation programming.Mentioned in this episode:WPO — Warfighter Performance Optimization, the Pentagon-level effort referenced throughoutVice Admiral Vi and Rear Admiral Hancock — instrumental in standing up the human performance center at Camp Lejeune's School of Infantry EastLong and Strong — the Mops and Moes training program on TrainHeroic Views expressed are those of the speakers and do not represent any official organization.

This week in Five Question Friday (FQF): mega IPOs, sequence of returns risk, RMDs from a bonds-only IRA, Roth conversions after 59 1/2, and VT versus VTI plus VXUS.Question 1: Will the giant IPOs coming in 2026 drain money from the market and depress stock prices?Question 2: Is 20% to 30% in bonds enough protection against sequence of returns risk?Question 3: If you move your IRA entirely into bonds, will RMDs force you to sell bonds when they're down?Question 4: If you're over 59 1/2, why not make every IRA withdrawal a Roth conversion?Question 5: Is "VT and chill" costing you 0.7% a year compared to holding VTI and VXUS separately?Resources mentioned in the video:SpaceX IPO pricing: https://www.npr.org/2026/06/11/nx-s1-...S&P 500 buyback data: https://www.spglobal.com/spdji/en/cor...Money market fund assets: https://www.ici.org/research/stats/mmfBengen's original 1994 paper: https://www.financialplanningassociat...Kitces/Pfau rising equity glidepath: https://www.kitces.com/blog/should-eq...IRS RMD FAQs: https://www.irs.gov/retirement-plans/...IRS Publication 590-B (Roth and IRA distribution rules): https://www.irs.gov/publications/p590bRMDs come out before conversions: https://irahelp.com/new-rule-all-ira-...The two Roth 5-year rules: https://www.kitces.com/blog/understan...The VT vs VTI/VXUS articles in question: https://princetonasset.com/2026/05/25...Elm Wealth on VT vs VTI/VXUS: https://elmwealth.com/vt-vs-vti-vxus/Bernstein on the rebalancing bonus: https://www.efficientfrontier.com/ef/...Foreign tax credit basics: https://www.bogleheads.org/wiki/Forei...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

This is the first in a series of check-ins with previous guests about the unfolding nuclear renaissance. In this episode, Tyler Bernstein, CEO and co-founder of Zeno Power, returns to talk with me about Zeno's progress (check out our first episode here). We chop it up about the importance of Trump's EOs, NASA's commitment to a permanent lunar base, and—wait! I'm burying the lede. Zeno has just acquired Vallecitos Nuclear Center in California, the first commercially owned nuclear plant. Though the plant itself is decommissioned, Zeno will be using its hot cells to industrialize the production of their nuclear batteries. My conversation with Tyler made the nuclear renaissance feel all the more real. The thumbnail for this episode is a photo of one of the hot cells; to see more (as we discuss in the episode), you can check out this video.

In this episode of Capital for Good, we speak with two extraordinary media leaders — Christy Tanner '99, the president and CEO of New York Public Radio, an iconic and 100-year-old center for local and global media, and Carroll Bogert, the CEO of The City Reporter, the independent newsroom founded in 2019 to cover breaking news, investigative, and service journalism in New York City. In this wide-ranging conversation, we hear from these industry veterans about their early callings as reporters, their respective careers as pioneers — one using journalism to hold power to account, one forging new business models in the face of technological transformation — and their thoughts about the challenges, and opportunities, of the current moment in New York and around the world. We start with Tanner and Bogert's gravitational pulls to journalism and the formative experiences as reporters that would shape their careers in media. Tanner explains how as a young girl, inspired by the likes of Nancy Drew and Nellie Bly, the ability to "ask questions, investigate things, find out what's going on," and the creative process of writing "captured my imagination." Her first jobs at the AP and in local newsrooms in South Carolina and Tennessee taught her how investigative reporting could have tangible impact, prompting changes in government policies. For Bogert, a member of the generation of idealists who grew up on "Woodward and Bernstein and All the President's Men," journalism was "something noble… and world changing:" a way to "uncover abuse at the top and change history." As a foreign correspondent for Newsweek, she would chronicle the Tiananmen Square crackdown and the fall of the Soviet Union. As the industry evolved, so too did their respective paths. Bogert would go on to leadership roles at Human Rights Watch and as the founding president of The Marshall Project, a nonprofit news organization covering criminal justice in the United States. "The though line," she says, is that "challenging the abuse of power is the essential role of journalism. Power requires constant vigilance because it will trend towards abuse if it's not watched." Tanner, whose experiences included hosting a kind of proto-podcast in the mid-1990s, saw early on that "the internet was going to change media forever." Back in New York, she had a "front row seat to the invention of streaming as we know it" — newspapers, magazines, television, audio — and would become a leader in the digital transformation of legacy media companies like The Washington Post, Reed Elsevier, TV Guide, and CBS.  While both new in their current seats, Tanner and Bogert bring their expertise as seasoned industry leaders — and New Yorkers – to the roles. Tanner notes that while NYPR has grown into a multiplatform organization with radio (WNYC, WQXR), digital news, and podcasts with significant national and global reach, its local resonance with New Yorkers is remarkably strong. Bogert explains that at "this historical moment," when investigative newsrooms are disappearing, "local media is where it's at." She believes that the independence of nonprofit media organizations gives them "a particularly special role" to hold political leaders accountable and to rebuild trust in media. While acknowledging any number of challenges — in the industry, in a fraught political environment — Tanner and Bogert are optimistic: about the opportunities for organizations like theirs to collaborate, to "share best practices," to develop more sustainable business models, and to cultivate greater understanding of the need of philanthropy to support media as a critical pillar of our civic infrastructure. Mentioned in this episode: New York Public Radio The City Reporter

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.

What does it really mean to stay fit for life? In this episode of the Price for Paradise Podcast, Woody sits down with longtime mentor and athlete Larry Bernstein (66) to talk about aging, discipline, and why you don't have to settle for the “granddad bod.” From Bike races to mountain biking, epic hikes, and lifelong training—this conversation breaks down what it takes to keep pushing, competing, and living at a high level as you get older. Key Topics: Why age is NOT the limiting factor (training is) “No Dad Bods” → “No Granddad Bods” race stories and endurance mindset Surrounding yourself with stronger people The power of having something to train for Epic events vs. everyday routine Road biking vs. mountain biking vs. gravel riding Staying competitive into your 60s and beyond This episode is about one thing:

Dave Smith brings you the latest in politics! On this episode of Part Of The Problem, Dave and Robbie "the fire" Bernstein discuss the discrepancies between what the U.S. is saying about the peace memo vs. what the Iranians are saying, J.D. Vance's public interviews about the deal, how the Israel-firsters are reacting, and more.Support Our Sponsors:BodyBrain - Go to BodyBrainCoffee.com, use code DAVE20 for 20% off your first orderProlon - https://prolonlife.com/potpSheath - https://sheathunderwear.com use promo code PROBLEMMy Patriot Supply - http://preparelikedave.comPart 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.

In this episode, Scott welcomes an old friend to the podcast - Sarah Uriarte Berry. Scott and Sarah did a production of "Grease" together and they had a great time reminiscing about the show and talking about her incredible career on Broadway, on tour, and what it was like being the very first Belle at The Disneyland Resort. Sarah Uriarte Berry made her Broadway debut as Eponine in "Les Miserables" and later reprised her role for the 10th Anniversary Production. She also starred as Belle in "Disney's Beauty and the Beast" twice on Broadway: First at the Palace Theater, and 11 years later, paired with Donny Osmond at the Lunt-Fontanne. Also on Broadway, Sarah won critical acclaim as Franca in "The Light in the Piazza" at Lincoln Center Theater, where she received Drama Desk and Outer Critics Circle Award nominations for Best Supporting Actress.On tour, she played the role of Betty Schaefer in "Sunset Boulevard" with Petula Clark and the role of Julie Jordan in "Carousel" with Patrick Wilson. For "Carousel," she won an Ovation Award for Best Actress in a Musical. She also recently toured with "Disney Princess - The Concert."Other notable theatre credits include starring as Cinderella in "Rogers & Hammerstein's Cinderella" for the New York City Opera alongside Eartha Kitt, Nicola in "Taboo" opposite Boy George, "Next To Normal," "End Of The Rainbow," "A Little Night Music" at the Kennedy Center, soloist in Bernstein's Mass at Carnegie Hall, and "Sondheim on Sondheim" at the Hollywood Bowl alongside Vanessa Williams, Jesse Tyler Ferguson, and Jonathan Groff.Sarah's film appearances include roles in the feature film "Frontera" starring Ed Harris, Eva Longoria and Michael Peña, and "Pretty Bird" starring Billy Crudup. On television, Sarah's appeared on "Law and Order - Criminal Intent," "Six Degrees," The Tony Awards, and can be seen as Saint Jellorica in the infamous Cats episode of "Unbreakable Kimmy Schmidt."Email: TheMouseAndMePodcast@gmail.comSupport: www.patreon.com/themouseandmeFB and Instagram: “The Mouse and Me”Music by Kevin MacLeod from https://incompetech.filmmusic.io

Rep. Ilhan Omar stops by for a conversation in the middle of Lyndale Avenue, as she campaigns for re-election ahead of the August 11th DFL primary. Then we talk to Eric Harris Bernstein of the Minneapolis Board of Estimate & Taxation. Episode recorded at Open Streets on June 7, 2026.Watch: https://youtube.com/wedgeliveJoin the conversation: https://bsky.app/profile/wedge.liveSupport the show: https://patreon.com/wedgeliveWedge LIVE theme song by Anthony Kasper x LaFontsee

Dave Smith brings you the latest in politics! On this episode of Part Of The Problem, Dave and Robbie "the fire" Bernstein discuss Trump's updates on Iran negotiations, Sam Harris's Substack article on why he won't debate about Israel, and more.Support Our Sponsors:The Wellness Company - USA compounded, The Wellness Company's RX Ivermectin + Mebendazole Parasite Cleanse! Clickhttp://www.twc.health/problem and use code PROBLEM for up to $60 Off + Free Shipping on every order. USA Residents only.StopBox - http://www.stopboxusa.com Use code PROBLEM for 10% off your order! Superpower - 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. #superpowerpodPart 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 blowout from Trump, Israel, and Iran over the weekend, Trump's NBC interview where he claims that he never promised no new wars, and more.Support Our Sponsors:Brunt Workwear - http://bruntworkwear.com/ Use code PROBLEMCrowdHealth - https://www.joincrowdhealth.com/promos/potpHexclad - 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.

In this episode, we are joined by Dr. Matt Bernstein, MD, Chief Medical Officer at Ellenhorn and Chief Executive Officer of Accord. A highly respected clinical psychiatrist and leading voice in the emerging field of metabolic psychiatry, Dr. Bernstein draws on more than 25 years of experience helping individuals achieve meaningful mental health improvement and long-term functional recovery. Throughout his career, Dr. Bernstein has explored the connection between metabolism and mental health, first through private practice and later through his work at Ellenhorn. More recently, he developed Accord's comprehensive treatment model and has become a prominent advocate for metabolic psychiatry through podcasts, national conferences, and briefings for members of Congress.   This conversation dives into: What metabolic psychiatry is and how it differs from traditional psychiatric care. The relationship between brain metabolism and mental health disorders. How ketogenic therapies are being explored as potential tools for psychiatric recovery. The role of metabolic health in conditions such as depression, bipolar disorder, schizophrenia, anxiety, OCD, and psychosis. Dr. Bernstein graduated summa cum laude from Columbia University with a degree in English Literature and earned his medical degree from the Perelman School of Medicine at the University of Pennsylvania. He completed his psychiatric training at MGH/McLean, where he served as Chief Resident and later held leadership positions, including Psychiatrist-in-Charge and Assistant Medical Director of the Schizophrenia and Bipolar Inpatient Program. He also serves on several advisory and nonprofit boards, including Metabolic Mind, Meru Health, The Metabolic Revolution, and the Coalition for Metabolic Health. Connect with Dr. Bernstein: LinkedIn Accord's Website Ellenhorn's Website

Dave Smith brings you the latest in politics! On this episode of Part Of The Problem, Dave and Robbie "the fire" Bernstein discuss the ongoing nature of the failed attempts at a deal with Iran, the influencers that are still defending Trump publicly, Cenk Uygur being barred from entry at the UK border, and more.Support Our Sponsors:The Wellness Company - Manage midlife with ZEUS from The Wellness Company! www.twc.health/problem & use code PROBLEM for 10% + Free Shipping on all US Orders Brunt Workwear - http://bruntworkwear.com/ Use code PROBLEMRidge - https://ridge.com/potp10Ultra - 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 LP Convention, Tulsi Gabbard stepping down, Trump giving in to pressure from the right to keep the war going, and more.Support Our Sponsors:Superpower - 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. #superpowerpodProton Mail - http://www.proton.me/partoftheproblemBodyBrain - Go to BodyBrainCoffee.com, use code DAVE20 for 20% off your first orderUltra - 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 new developments on the war in Iran, Thomas Massie hinting at the idea of potentially running for office again in 2028, Michael Knowles' response to Dave's analysis of Thomas Massie's recent race, and more.Support Our Sponsors:Troll Co - https://www.trollco.com/problem and use code DAVE25 for 25% off your first orderSheath - https://sheathunderwear.com use promo code PROBLEMCrowdHealth - https://www.joincrowdhealth.com/promos/potpProlon - https://prolonlife.com/potpPart 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.

Donald Trump's $1.8 billion "anti-weaponization" settlement fund has stunned legal experts—not just because it's corrupt, but because of how skillfully and transparently it is designed to protect the Trump Family and reward loyalists. On this week's Amicus, Dahlia Lithwick brings together two of the sharpest observers of Trump-era lawlessness to map exactly what this is and why it matters.J.P. Cooney, a career federal prosecutor and former top deputy in Jack Smith's special counsel's office, explains how President Trump sued his own IRS as a private party, settled the case through attorneys who have also been his personal lawyers, and then secured an addendum—signed by acting Attorney General Todd Blanche—immunizing Trump and his family from any IRS audit or tax-enforcement proceeding. Cooney calls it "practiced, skillful corruption". As Investigative journalist Andrea Bernstein, host of The Law According to Trump, author of American Oligarchs, and a veteran of five Trump trials, points out, this settlement enshrines Trumpian language— such as "unlawful raid at Mar-a-Lago" and "Russia collusion hoax"—in official U.S. government documents. Bernstein says it's vital to be clear about who stands to receive payouts: people convicted of seditious conspiracy, assaulting Capitol police officers, and other crimes they admitted to in open court. Cooney and Bernstein agree this fund doesn't just reward insurrection—it incentivizes future violence, chills legitimate dissent, and systematically erases the historical record of Jan. 6. Later, Slate executive editor Susan Matthews joins to preview the new season of Slow Burn, Becoming Justice Gorsuch—and explain why the most anonymous justice on the court is so pivotal to understanding the power and the politics of the highest court in the land. Un-paywalled episodes' description:Want more Amicus? Join Slate Plus to unlock weekly bonus episodes with exclusive legal analysis. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Amicus show page on Apple Podcasts and Spotify. Or, visit slate.com/amicusplus to get access wherever you listen. Hosted on Acast. See acast.com/privacy for more information.

Donald Trump's $1.8 billion "anti-weaponization" settlement fund has stunned legal experts—not just because it's corrupt, but because of how skillfully and transparently it is designed to protect the Trump Family and reward loyalists. On this week's Amicus, Dahlia Lithwick brings together two of the sharpest observers of Trump-era lawlessness to map exactly what this is and why it matters.J.P. Cooney, a career federal prosecutor and former top deputy in Jack Smith's special counsel's office, explains how President Trump sued his own IRS as a private party, settled the case through attorneys who have also been his personal lawyers, and then secured an addendum—signed by acting Attorney General Todd Blanche—immunizing Trump and his family from any IRS audit or tax-enforcement proceeding. Cooney calls it "practiced, skillful corruption". As Investigative journalist Andrea Bernstein, host of The Law According to Trump, author of American Oligarchs, and a veteran of five Trump trials, points out, this settlement enshrines Trumpian language— such as "unlawful raid at Mar-a-Lago" and "Russia collusion hoax"—in official U.S. government documents. Bernstein says it's vital to be clear about who stands to receive payouts: people convicted of seditious conspiracy, assaulting Capitol police officers, and other crimes they admitted to in open court. Cooney and Bernstein agree this fund doesn't just reward insurrection—it incentivizes future violence, chills legitimate dissent, and systematically erases the historical record of Jan. 6. Later, Slate executive editor Susan Matthews joins to preview the new season of Slow Burn, Becoming Justice Gorsuch—and explain why the most anonymous justice on the court is so pivotal to understanding the power and the politics of the highest court in the land. Un-paywalled episodes' description:Want more Amicus? Join Slate Plus to unlock weekly bonus episodes with exclusive legal analysis. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Amicus show page on Apple Podcasts and Spotify. Or, visit slate.com/amicusplus to get access wherever you listen.Need to set up your Slate Plus feed? If you subscribed through Slate.com, check out our FAQ at slate.com/podcastfaqs for easy instructions. Members subscribed via Apple Podcasts get automatic access—no setup required. Hosted on Acast. See acast.com/privacy for more information.

Dave Smith brings you the latest in politics! On this episode of Part Of The Problem, Dave and Robbie "the fire" Bernstein discuss Thomas Massie's loss in Kentucky, why they're being optimistic, debunk propaganda about why he lost, and more.Support Our Sponsors:Troll Co - https://www.trollco.com/problem and use code DAVE25 for 25% off your first orderSheath - https://sheathunderwear.com use promo code PROBLEMLucy - https://lucy.co/ Use code "problem" for 20% off!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.