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The Joint Readiness Training Center is pleased to present the one-hundredth-and-thirty-eighth episode to air on ‘The Crucible - The JRTC Experience.' Hosted by MAJ Amy Beatty, the Task Force Executive Officer Observer-Coach-Trainer from Task Force Sustainment (Division Sustainment Support Battalion / Light Support Battalion) on behalf of the Commander of Ops Group (COG). Today's guests are CPT Cody Kindle and CPT Christopher Ward. CPT Kindle the S-4 Sustainment Planner for JRTC's Plans / Exercise Maneuver Control Task Force. CPT Ward is the A Co CDR OCT (Distro / BSA) from Task Force Sustainment (DSSB / LSB).   This episode examines the employment of base clusters within the brigade support area (BSA) as a survivability technique in the modern battlefield. The discussion highlights how sustainment units must adapt to a highly transparent and lethal operating environment where UAS surveillance, long-range fires, and precision targeting threaten traditional large logistics footprints. Rather than concentrating sustainment elements in a single BSA, base clusters disperse key functions—such as maintenance, distribution, medical support, and command nodes—across multiple smaller positions that remain mutually supporting. This dispersion reduces the likelihood that a single enemy strike can disrupt sustainment operations while still enabling brigades to maintain logistics flow to maneuver battalions.   The conversation also emphasizes the planning and synchronization required to make base clusters effective. Leaders discuss the importance of terrain analysis, security integration, camouflage and signature management, and disciplined reporting to maintain a shared operational picture across dispersed sustainment nodes. Effective base clusters require coordinated movement control, rehearsed displacement drills, and strong communications architecture to ensure that dispersed elements can still function as a cohesive support network. Ultimately, the episode frames base clusters as a critical adaptation for sustainment survivability in large-scale combat operations, enabling brigades to continue fueling, arming, and repairing combat forces despite persistent enemy reconnaissance and precision strike threats.    Part of S05 “Beans, Bullets, Band-Aids, Batteries, Water, & Fuel” series.   For additional information and insights from this episode, please check-out our Instagram page @the_jrtc_crucible_podcast.   Be sure to follow us on social media to keep up with the latest warfighting TTPs learned through the crucible that is the Joint Readiness Training Center.   Follow us by going to: https://linktr.ee/jrtc and then selecting your preferred podcast format.   Again, we'd like to thank our guests for participating. Don't forget to like, subscribe, and review us wherever you listen or watch your podcasts — and be sure to stay tuned for more in the near future.   “The Crucible – The JRTC Experience” is a product of the Joint Readiness Training Center.

There is a storm coming with the challenges of navigating the TRUSTEE CRISIS. It is one of the biggest blind spots in the “GREAT WEALTH TRANSFER” and will be the source of mountains of litigation for the unwary, https://youtu.be/hwQev88A03M Summary In this conversation, Frazer Rice and Jennifer Zelvin McCloskey discuss the current crisis in trusteeship, highlighting the shortage of qualified trustees amidst a significant wealth transfer. They explore the importance of modern trust planning, the challenges faced by individual trustees, and the need for better education and training in the field. The discussion also covers the emotional and interpersonal aspects of trusteeship, the functions and responsibilities of trustees, and the necessity of managing risk effectively. They emphasize the importance of building a pipeline for future trustees and improving the perception of the profession, while also identifying opportunities within the trust industry. https://open.spotify.com/episode/4qpkrVdaUa2AfDxgl7j3yN?si=XVgG3jE_Qpqq2JTqi8XLXQ Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠) Takeaways The coming crisis in trusteeship is already here. There is a significant shortage of qualified trustees. Trusteeship requires strong interpersonal skills and emotional intelligence. Managing risk is a fundamental aspect of trusteeship. Trustees critically need education and training. The role of a trustee is evolving with increasing complexity. Beneficiaries need to understand their rights and the trustee’s role. Custodial responsibilities are essential for asset protection. There are many opportunities for growth in the trust industry. Trust law and investment management are distinct fields. This Episode is for . . . Anyone that has an estate plan with a trust in it and doesn't know what a trustee does Any advisor who works w/ multi-generational situations (that’s everybody in wealth management) Any RIA looking to sell Financial types worried about compliance world Fiduciary litigators Chapters of “THE TRUSTEE CRISIS: Navigating the Challenges” 00:00 The Coming Crisis in Trusteeship 02:06 Importance of Modern Trust Planning 04:11 Challenges with Individual Trustees 08:03 The Dwindling Pool of Qualified Trustees 10:06 Functions and Responsibilities of a Trustee 12:20 The Emotional and Interpersonal Aspects of Trusteeship 16:05 Managing Risk in Trusteeship 19:07 Building a Pipeline for Future Trustees 22:10 The Role of Education in Trusteeship 25:07 Improving the Perception of Trusteeship 28:19 The Need for Better Trust Education 30:39 Bifurcation of Trustee Functions 33:26 Distribution Functions and Beneficiary Relations 36:52 Custodial Responsibilities in Trusteeship 40:19 Consequences of Poor Asset Management 46:41 Curriculum for Trustee Education 52:13 Opportunities in the Trust Industry Transcript of “THE TRUSTEE CRISIS: Navigating the Challenges” Frazer Rice (00:01.068)Welcome aboard, Jennifer. Jennifer Zelvin McCloskey (00:02.723)Thanks Frazer, how are you today? Frazer Rice (00:04.782)I am doing great. We’re going to dive into a topic that is near and dear to both of our hearts. And that is what I’m describing as the coming crisis in trusteeship, but I think it’s already here. Which is the concept of qualified trustees being in short supply, right in the face of a gigantic wealth transfer. And first of all, before we get into that, just describe what you do on a day to day basis first. Jennifer Zelvin McCloskey (00:33.445)Sure, I actually wear a bunch of hats. Day to day, right now, I’m a full-time practicing trust and estate attorney. I’m also an individual trustee for a variety of trusts that need either somebody here physically located in Delaware for a short period of time or even a successor trustee. But I’ve also spent many, many years building programs in trust management and trust administration. Because there is this crisis of human capital that just does not exist. I built multiple programs. They’re housed out of the University of Delaware. So I act as a trust and estate attorney, do planning, administration, I teach in the area, I build programs in the area, and I serve as a trustee. PEAK TRUST MANAGEMENT CERTIFICATE Frazer Rice (01:23.182)A full plate to be sure. To me, I came out of Wilmington Trust and another trust company served an individual trustee too. I’ve seen all these different flavors of trusteeship. My general sort of bon mot around that is that the individual trustees. I’d say 95 % or higher don’t really have an appreciation of the risk and responsibility that they’re taking on. And then the corporates have their own issues, which we’ll get into in a little bit. If we pull back even further, modern trust planning in wealth management, why is this so important? Jennifer Zelvin McCloskey (02:06.275)That’s massively important. It’s not just for the mass affluent or the ultra high net worth. It’s for everybody. We have all of these assets that we have this hyperfocus on building and increasing our wealth. Making sure that we have the ability to sustain ourselves throughout our entire lives. But if we don’t do this type of planning, if we don’t have structures and implementation for when we die, then our assets that we’ve planned so diligently for will fall off of a cliff. We lose the ability to control ultimately what happens to those assets. Layered on top of that, of course, is the tax component for ultra high net worth folks who are trying to really focus and direct their assets to make and create generational wealth transfers. Without this type of functionality and wealth planning and estate planning long-term, people lose control of what they’ve spent so much time building. Frazer Rice (03:13.338)One of the things I tell people as far as trusts are concerned is that, you know, we’re putting these structures together. They’re durable enough to withstand taxation or creditors or other asset protection features, create some guidelines around distributing the assets to the next generation or other constituencies. But also have some flexibility to be able to deal with the things we can’t look into the crystal ball and figure out over time. And that those three things just putting a document together that tries to do all that is hard enough, but then to put it in the hands of somebody or something to administer and to exercise discretion around it. That’s where the real art and science kind of stitched together and create this issue. You know, as we think about that too, the idea, the history of these types of scenarios kind of goes back to, you know, you’d put a structure in place and then you’d go hire a bank and they’d take care of everything. How do you look at that and say, all right, we’ve gone well past banks to individuals and then to dedicated institutions. What is the problem there? Jennifer Zelvin McCloskey (04:22.956)Now the problem, there’s two problems. In my opinion, what I see is that, you know, your individual trustee by and large is Uncle Joe, right? He’s the guy that everybody goes to in the family. The responsible one. He’s the smart one. The wealthy one who, great, doesn’t know what the fiduciary duties are. He doesn’t know that he has a duty of impartiality. He doesn’t know that… Frazer Rice (04:32.419)Right. Jennifer Zelvin McCloskey (04:48.475)He can’t self deal unless the instrument says so. Doesn’t understand how the instrument works. He doesn’t understand the nuance and the legalese written into the instrument. But he’s flying by the seat of his pants and everybody looks to him as the respected one in the family. No one knows that they have the ability to challenge him. So with your individual run of the mill trustee named in the instrument, they just don’t have the expertise, they don’t have the technical knowledge. Don’t know what they don’t know. They can get into trouble in that way. The other problem that you have with professional individual trustees oftentimes is that they are not formally trained. They may be an attorney who is working in that area, who’s doing plans for people who may or may not know what the full scope of being a trustee is. They may not realize, I have to get a special insurance policy because my malpractice insurance policy doesn’t actually cover this type of fiduciary engagement. There’s a lot of landmines that individuals can run into when they’re doing this type of work. On the corporate side, the problems that we run into is that there’s just a complete and utter lack. Frazer Rice (05:50.061)Hmm. Jennifer Zelvin McCloskey (06:12.059)Of available educational programs to teach people the proper way to be able to understand trusteeship. It has always been, and it just has developed over time through, you know, oh, we’ll give it to the bank, the bank will do it. This apprenticeship model, and that just does not scale well because if you learn improperly at the edge of a desk from somebody that learned improperly at the edge of the desk. Then the person that you’re teaching now at the edge of the desk is learning what you learned improperly. So anecdotally, I did karate for a long, long time. And the man who taught me karate, I’m almost a secondary black belt to like, was serious in karate. And the man who taught me karate said, you practice, it makes permanent. Don’t practice wrong. Because when you’re practicing wrong, you’re making permanent wrong things. And that’s what the apprenticeship model has the risk of lending itself to. It’s not that every trustee that learns at the edge of the desk learns wrong, but the risk is too high because the fiduciary responsibilities and the duties are too high to run that risk. The other problem is that we have a dwindling pool of really qualified senior trust officers because of just the nature of the job. You’re a human being, you’re an individual, you age, you retire. And it’s not something that people go to school and say, when I grow up, I want to be a trustee. They fall into it sideways. And unless there are academic programs that are out there that people are aware of and that they can get some formal training, some formal education to enter into the field. Frazer Rice (07:49.742)Yeah Jennifer Zelvin McCloskey (08:03.82)Separate and distinct from, I’m in the field and now I want to get a CTFA. I want to earn my certification to really show that I have the chops in this area. We have this shrinking pool of expertise. We have a lack of knowledge, a lack of formal education, and an apprenticeship model that doesn’t scale. On top of, with the individual side and the corporate side, this massive wealth transfer and an explosion of trust complexity that’s all taking place at the same time. Frazer Rice (08:31.918)One of the issues at the corporate level too is that as you say that the impregnance model is not necessarily the best way to do it. They’re cutting back on training programs. The business model around being a trustee or even a specific trustee does not make the big money. And so the ability for those types of institutions to develop the people.who ultimately are now in a very sort of pro-employee environment where there’s such a demand for trustees that they can kind of switch around and get a 10 or 20 % bump each time they go because people are desperate to have them. There’s a real cavern there to try to create the permanence that you’re looking for in a structure that really rewards consistency over time, especially as it relates to discretion and process of decision-making. Jennifer Zelvin McCloskey (09:23.15)Yeah, that’s exactly right. And that leads to this revolving door in the industry, because people are just trying to make more money and they’re going and bouncing to different trust companies. And there isn’t that backfill. Just because it’s a trust company and there’s policies and procedures, trusteeship is about relationships that you make with your beneficiaries, the relationships that you develop with multiple generations in a family. And when you have somebody that’s acting and serving in that and they move, they leave, they’re no longer acting and serving in that capacity, a new personality comes into the mix and it can really be disruptive. So having that consistency and minimizing the attrition is so valuable. Frazer Rice (10:06.766)The other thing I try to bring up, especially to individual trustees, is that the thing that you’re signing up for is probably going to look a lot different in five or 10 or 15 years when people are aged on, they remarry, they have kids, etc. That the conditions are a lot different than what they were before. And it’s going to be difficult to take on a structure that has eight people when before there were two. Jennifer Zelvin McCloskey (10:37.517)Yes, and that’s that complexity, that increased sophistication and complexity of trust structures that are available now to people. With the increase in the exemption, these trust structures, they’re not necessarily changed. For example, qualified personal residence trust, if people really need that anymore, but there’s a ton of them sitting around there. Are trustees properly administering it? Did you actually transfer the real estate into the trust at the time? So there’s all kinds of sophisticated structures that the trustees may or may not have the right skills. But they’re saddled with having to do it. Frazer Rice (11:19.47)Let’s take a step back and just talk about the functions of a trustee for a second. I break them down basically into three. Which is the first one. You have to administer the trust, meaning you have to dot the I’s, cross the T’s, make sure things get executed, tax returns are filed, statements get sent out to the extent that that happens, and that the administration of a structure like that occurs. Then I talk about the concept that the investments have to be made monitored moved around decided and that they’re appropriate for all classes of beneficiary that are in there and then the distribution function which is The assets have to be distributed according to the law. First the trust then maybe the intent or the law if everything is silent and that those three things are very different components and that it’s tough to find somebody who’s great at all three housed within one brain. Jennifer Zelvin McCloskey (12:20.217)Yeah, I agree with that 100%. It is a three legged stool. It’s the investments, the administration and the distributions. And in that administration umbrella in and of itself, there’s a tremendous amount of work that sort of goes unsung. know, it’s not the sexy stuff where you’re investing and making a bunch of money for your income beneficiaries and managing to preserve the corpus for your principal or your remainder beneficiaries. And it’s certainly not the personal interaction that you’re doing with your beneficiary day to day. Making distributions, helping them, seeing the product of that help. It’s the making sure you file ax returns are properly. Understanding how to read that tax return. Even if you’re not preparing it, making a proper selection on the accountant that you’re using to prepare those tax returns if you’re not preparing it. Make sure to set up statements properly, make sure that in this world of silent trust documents that you’re not sending a statement to somebody who’s not supposed to have it. Communicating with beneficiaries on an even keel. Making sure that you’re not inadvertently violating your duty of impartiality because it’s more than just a substantive duty, there’s a procedural duty as well. That’s really, really challenging to find within one human being, let alone add on top of it somebody who’s financially savvy enough to understand investments and all of the different complex investment tools that are out there, as well as having the personality and the interpersonal skills to keep beneficiaries engaged and happy. Frazer Rice (13:56.426)Just on top of that, the EQ, the bedside manner, and the ability to simplify the complex, et cetera. At the same time, that dedicated note taker that is able to document everything that happens within a decision. Whether distribution or investment or otherwise, that it’s just two different people most times. I find that something falls apart as time goes on. Ultimately if things aren’t laid out correctly, that’s when conflict starts to simmer. Then you know if there is something that’s wrong. That’s allowed to compound that’s where you get into a huge problem later on. Jennifer Zelvin McCloskey (14:36.922)It’s all that feeling. People are behaving in ways that they may or may not be able to articulate their emotional proximity to. When you’re talking with beneficiaries. There’s something simmering under the surface that you inherited because you’re a trustee. You may not even be aware of it because the beneficiaries may not even be able to articulate it. You have to have a certain sense. A gut check of feelings of rntuitively being able to read what’s going on under the surface. To pull it out of people in a very balanced and even keel way. It’s not an easy job by any stretch of the imagination. On top of financial literacy and personal liability and executive functioning skills, being detail oriented, making sure your documentation is not overly explicit. isn’t, you know, scarce. You’re now wondering how and why did you make those decisions? People don’t think about the decisions that they make on a day to day basis. We don’t think in a way to articulate why I made this decision. Why I exercised this type of judgment. And that’s what we’re being asked to do as trustees is to document what is my decision making process? Why am I making the decision? What are my factors involved in making that decision in a way that’s defensible. If we ever need to defend it. Frazer Rice (16:05.292)Well, in favoring one class of people over another is usually where the rubber hits the road on this. People who are used to seeing the income from a trust and don’t want that touched come hell or high water. Then future beneficiaries who’d like to see the trust go from X to 2X to 5X. So that they have something larger to enjoy. You have a natural tension that you have to manage. It’s just not easy. If you don’t document the hows and whys of what you’re doing, you set yourself up for a problem. From one class or another looking at you saying, you you should have done it differently. To go back to that liability component. You’re the only one who sits in the chair of having made that decision. You’re the one with the bullseye on your back when it’s called to account. Jennifer Zelvin McCloskey (16:53.093)That’s right, that is exactly right. And now add on top of it, you’re just named because you’re Uncle Joe and everybody goes to Uncle Joe. You have no technical background and you just don’t know the landmines that are there. You don’t know what you don’t know. Wouldn’t it be wonderful if we were able to create a pipeline of really sophisticated entry level employees or folks that are, you know sophisticated in financial literacy that now want to take the job to become trustees, that we were able to give them this technical roadmap for what the job actually is and then have them get the ability to apprentice on all of those policies and procedures. What does this corporation do? How do we document things? When you’re trying to learn it all at one time, it’s like drinking from a fire hose. Let’s give people the ability to really have a chance at doing it successfully. Frazer Rice (17:53.048)So let’s dive into that pipeline issue for a second. We already diagnosed that the, let’s call it the trust companies or the banks are, they’re just not resourced enough. They can’t run people through an internal school to do it quote unquote correctly. The apprentice model really kicks in. Which means you’re at the sort of mercy of what people are good at, not good at, et cetera. People turn over quickly so that apprenticeship doesn’t even work anymore. The RIAs I think are the worst place to learn about this type of thing. They have a completely different modus operandi as far as keeping clients happy. The word fiduciary means something so different to them than it does to an actual trustee. I wouldn’t feel good about the training on that front to sort of create trustees And then so law schools. They’re they’re just trying to create people the trust in the states vertical as a general matter. Let alone trying to delineate into a trustee situation. You’re putting the pipeline together and you put these programs together. How do you stitch together the needs and what does that manifest itself into? Jennifer Zelvin McCloskey (19:07.642)So that’s a really, really good question. I think that the very first place that we start with answering that question is advising on a trust as an attorney. It’s different from the administration of a trust and the skills that you need for that. So when you create a program like this where you’re trying to teach about trust management. You have to start with the technical skill. The legal side of what is it that we’re even doing? What is a trust? What are the fiduciary duties? Where do they come from? Then we have to, after we teach or create a structure or foundation on what the legality is. Now we go into how does this translate into administration? So when I created the programs, I looked at what’s the law they need to know? What is the level of sophistication of the student? And what do I need to, from a foundational perspective, teach first? What are the building blocks? And then how do I translate that into administration? The one thing that I have found is trust law does not equal investment management. So if people are coming along… Frazer Rice (20:26.254)No question. I’m nodding audibly at that comment. I like that. Jennifer Zelvin McCloskey (20:31.226)Your fiduciary duties as a trustee are fundamentally different than those of an RIA, where some RIAs are not even fiduciaries by law. They’re not. So being able to delineate and explain where that line is, what makes you a fiduciary, what are those duties, after you know the legal basics. And taught to you at a level that you can understand. I don’t expect everybody to be a lawyer. And people have asked me time and time again, do I need to be a lawyer to know this? No, you don’t need to be a lawyer because you’re not advising on the law. You’re advising on the administration of a legal structure and how that administration affects the fiduciary duties that are inherent in the relationship. Then how those fiduciary duties are translated out to the beneficiary. That’s the way that I’ve always built these programs. Where do I start? Start with the law. Where do I go from there? Start with how the administration translates the law. And then how does that administration get heard by the beneficiary? Where does the RIA come into the mix? The RIA should not be dabbling in advising on trusts. They should know that they need to bring in somebody who has this particular skill. And if they’re not doing that, they’re doing the client a disservice by trying to give one-stop shop advice. Frazer Rice (22:06.85)Yep, no question about it. One of the things that…we delve into the world of trusts and their function, et cetera, is that you’re dealing with an ecosystem from client to outside advisor, whether RIA or even accountant, et cetera, that they’re looking for certainty and airtight. quality to these structures that you put them in place and then everything runs like a clock going forward. When in actuality, I think there is a bandwidth of risk around everything. And so it’s the poor trust officer or individual trustee who sometimes has to be the bearer of bad news to say, yeah, you know, I think this is going to work 98 % of the time, but there’s a 2 % problem here or we’ve got this to fix or something like that and everybody else sort of sighs with disappointment and gets mad at the administrative function when in actuality they’re really doing their job and trying to, you know, keep a lot of things that are spinning out of control kind of within view. How do you get a trust officer or that administrative function or even the full trustee function to be comfortable with that risk and everything that’s involved with that? Jennifer Zelvin McCloskey (23:20.504)You have to start with explaining that there is risk and we’re not our job is not as a trustee to eliminate risk. Our job is to manage and identify risk. It is inherent in the job. There is going to be risk. No matter what you do, you cannot divorce risk from trusteeship. It’s a matter of identifying perceived risk and actual risk. And if you can teach that, if you can teach These are the things that are going to trigger a likely outcome. They’re gonna trigger a likely risk. Then you can essentially, you can’t foresee everything. I mean, there are things that are just gonna happen. But in a trust instrument, you’ve got contingency plan upon contingency plan upon contingency plan. That’s what the flexibility of those structures are building. We need to, as trustees, be able to recognize What is the risk with contingency plan A? The risk with B? What is the risk with C? How can we minimize the risk? And how can we make sure that we’re managing perception of risk versus actual risk? Frazer Rice (24:29.31)as someone who’s been in trust companies, advised trust companies, advised trustees, and advised clients, the lack of appreciation for the management of that risk and that that as the intersection of the business model of trusteeship and risk management and use of discretion and making hard decisions and even kind of an insurance quality around these structures, how do you fix that, where people place a level of respect on the job that I think is completely lacking in the wealth management ecosystem? Jennifer Zelvin McCloskey (25:09.089)Absolutely. It’s a tough one to answer. How do you fix it? First and foremost, I think that it’s a top-down fix, especially at a corporate trust company, a bank, and even an independent trust company that’s not affiliated with a bank. The management has to… really understand the function of the trust company. For so long, it’s been just an extra service that we provide and and we’ll do this, the back office trust company. It’s really, really important that the management recognizes what the functionality of the trust company is and stops treating it as sort of a back office stepchild. From the corporate level, I think that’s the very first place we start. Frazer Rice (25:38.478)Mm-hmm. Jennifer Zelvin McCloskey (25:57.818)The second place we start is investing in our trust officers, investing in the team, giving them the education that they need, continuing to give them education, providing training programs, whether they be in-house, external, bring in trainers. None of this is set it and forget it. At the individual level, I think it’s really, really important to have functions like the Individual Trustee Alliance, groups like that, where you have an ability to talk to other professionals that are doing what you’re doing. That’s another way to impress upon people that we have to manage the risk and we can’t do it all alone. Nobody knows everything. You really have to, you have to talk to other people. You have to engage. have to, what is it called when we were practicing law and we’re a little bit outside of our comfort zone, we have to consult with other people who know more than we do. It’s our obligation as lawyers. It’s the same thing with a trust company, with a trustee, whether you’re an individual or you’re not. Widen that circle. Frazer Rice (27:08.474)I think this is my idea for the day that there’s got to be a bit of a public relations campaign sort of describing what’s going on here because I think especially when we go into the family members that sort of occupy these roles, they have no earthly idea what they’re doing. They’re usually doing it for free. Everything’s hunky dory up until a point and everyone hopes that everyone is not going to sue each other if something goes wrong. But the level of wealth that’s being transferred now is now so significant that everyone sort of talks about, AI is going to get rid of lawyers. Nope, not in fiduciary litigation. I think that’s a medium term growth industry, especially around insurance, around ILITs, around revocable trusts, around elder care. But this is my advertisement for people who are in law school looking for a productive way to go. I think that one is going to be, I think that one’s recession proof, at least for a while until I retire anyway. So my thought is that awareness over these things, and it’s probably going to take a very difficult case or a class action suit, something like that, where somebody really gets hurt in order for that awareness to come up. Jennifer Zelvin McCloskey (28:24.922)Yeah, I would agree. think that some of the solutions would include better trust education, you know, whether it be for RIAs, lawyers. Trust in the states is a throwaway class in law school. And there are so many law schools that are essentially rolling it back because bar exams aren’t testing it anymore in a variety of states. And ACTEC is definitely working with the law schools to try and increase trust in the states being taught and certainly being tested. So education for lawyers coming out of law school, education for RIAs that are advising on trusts, education for trust officers, for trust administrators, trust professionals in general, clear role delineation. What is the role of the RIA? The role of the trust officer? What is the role of the trustee if they’re an individual trustee? And then creating a culture of collaboration on what we’re doing as a team for the beneficiary, not substitution, but collaboration with the advisors and the trustees. Frazer Rice (29:32.59)Let’s go into the role delineation for a second. About 20 or 30 years ago, the concept of bifurcating or sort of cordoning off the different functions I described before the investment, the administration and the distribution has come into vogue. I think that came out of frustration with bank trust companies where you got one set of advice for every trust that they had as far as investments and distributions and administration and a lot of modern larger families wanted something a little bit more specific to their needs. And that’s really turned, it’s exploded as an industry for increasing sophistication and size of wealth. Along those different functions, where maybe the administration goes to a professional trust company or a trust officer in the state that you want, Then there’s some intersection maybe in the distribution committee. And then the investment side of it is a bit of a free for all, think, depending on what you’re, dealing with. How do you educate the, that continued the delineation, but the coordination within those types of structures. Jennifer Zelvin McCloskey (30:41.275)Yeah, I think it’s really important. And I’m a Delaware lawyer. I’m licensed in multiple states, but Delaware is my home. It’s where I learned how to be a lawyer. It’s where I grew up as a lawyer. So this directed trust model that you’re describing, where you’re bifurcating, truly bifurcating these particular functionalities of a trustee, it originated in Delaware. sort of, we didn’t, I mean, we invented it, right? We codified it. It was being done, but we codified it. The idea of making sure that everybody understands what their function is and knowing that there’s a limit of liability that’s built into the instrument and communicating what that means to the RIA that is named in the document. I can’t tell you how many times I have heard companies, heard trust companies say, we’re advisor friendly. And I’m like, not unless you’re directed, you’re not. Frazer Rice (31:37.528) “THE TRUSTEE CRISIS: Navigating the Challenges”Yeah. Jennifer Zelvin McCloskey (31:40.439)If you are directed, you are 100 % advisor friendly because there’s no chance that that trustee is going to try and take the investment management. They’re not a portfolio manager. Not a clerical administrator. They’re not a passive rule follower. We need to identify what does that trustee actually do when they are an administrative or directed trustee. Clarify that role so that people who are engaged in this bifurcation, this structure where we’ve got a distribution committee, maybe it’s individuals who are close to the family, close to the beneficiaries, where you don’t have somebody who’s objectively uninvolved with the family members making decisions as to whether or not there’s a distribution that should be made. But also advising those rolls those advisors that your administrative trustee is not just a pencil put a paper pusher. Not just checking boxes. They really do add value to the role that they provide and making sure that everybody understands what each other are doing, having regular meetings amongst the team instead of operating in a vacuum or operating in a silo. And taking the approach of it’s not my job, misunderstanding trustee powers and the advisor’s authority. So when that’s delineated, when that’s really understood, not just by the advisors, but also by the beneficiaries, there are so many beneficiaries out there, Frazer, that have absolutely no idea that they actually hold all the cards. They don’t know. Frazer Rice (33:25.87)Along that line, so in the administrative, we just walked through pretty nicely. The distribution function is one that, let’s talk a little bit for a second about what it means to ask a trustee for a distribution and maybe the difference between income and principal and why having a steady hand at the wheel within that function, whether it’s a corporate trust company of qualified individual or family input in that function, why real good thought needs to go into how that’s staffed. Jennifer Zelvin McCloskey (34:04.73)Yeah, absolutely. 100%. In a corporate trustee ship or a corporate trust company structure, there’s always going to be distribution committees, right? So if you are the trustee, you’re going to have to go through a committee that’s looking at what your reasoning is for making that distribution. They’re asking questions about what have been the prior distributions? Have they come from principal? Have they come from income? What is the spend rate on that trust? How is this going to affect long-term spend rate? Is this an aberration? Is this something that’s gonna become a habit? Really understanding what the distribution, the guidelines are in the trust. What is the distribution standard? Making that decision? What are our factors? And how many people are at the table? Who’s communicating that to the beneficiary? Does the beneficiary know that the trust officer alone does not have the ability to say yes or no? That when they’re in this ecosystem of a corporate trust company, they have their checks and balances to make sure that that risk is being managed. So when you’re looking at corporate trust companies, are a lot of layers behind understanding what the distribution standard is, whether it’s hems or if it’s purely discretionary. The other thing that you need to look at when it’s not a corporate trustee and it’s an individual trustee is, how is that individual trustee making that decision? Are they doing it in a vacuum? Alone? Are they favoring one beneficiary over another because they like them more, you need to have some communication to the beneficiaries so that they understand what they are, what their interest is, what they are entitled to, if anything, and why the trustee stands in that position as the gatekeeper. And I really think in my heart of hearts, we need to make a shift from a gatekeeper trustee Jennifer Zelvin McCloskey (36:16.708)to a beneficiary enhancement trustee, where the beneficiary is really taking on the understanding that the trustee is there to facilitate enhancing the beneficiary’s life. That even though the trust may have started at the outset as a tax strategy or something that the grantor decided they needed to do with the advice of counsel. At the end of the day, you wouldn’t have been named as the beneficiary if there wasn’t some sense of love or obligation even, that it’s for your benefit. It’s in the name. Beneficiary. Trustees need to understand that and beneficiaries need to be taught. Frazer Rice (36:54.958)Right. Frazer Rice (37:00.646)And it goes to the circle back to the notion of making sure that you write down the whys of the decision because ultimately if the concepts of favoritism or you didn’t communicate this or anything, the idea of having the beneficiary submit a budget but having them understand why they are submitting a budget and then if there is some discretion that’s happening around that decision that the data points that are informing that discretion, that’s gonna keep everybody safe a lot later on. Jennifer Zelvin McCloskey (37:32.666)Absolutely. I break it down into a couple of different factors. It’s fiduciary decision making. How is that fiduciary making the decisions they’re making? Why are they making those decisions? And who is being affected by the decisions? Document interpretation. Do you understand the document that you’re administering? If you don’t understand the document you’re administering, hopefully best case scenario, you know what you don’t know and you ask. But if you don’t understand the document and you don’t even have the wherewithal to say, hey, I need help to understand the document, it’s really problematic. The third part, balancing beneficiary interests. Really taking on board this idea of the principal income problem that all the assets in the trust are not the same. That some of it doesn’t at all in any way affect a certain class of beneficiaries. And at the same time, it’s inextricably intertwined in the way that it affects another class of beneficiaries. And then risk management and governance. How is this being governed? How are we managing perceived and actual risk as a trustee? Frazer Rice (38:40.13)The investment function, which I alluded to before, I see storm clouds on that horizon, not really at the RIA level, because I think there’s sort of a default mode that investment policy statements are in place. Diversification is a true commodity at this point. And I never really worry about an RIA sort of understanding how to invest to get to a certain expected return and deal with the risks and drawdown and all that stuff. The storm cloud I see is when individuals sit in that role and they are being tasked with, let’s call it quote unquote, overseeing concentration, meaning that trust is holding a building, farmland, a nuclear reactor, crypto, all of these different things that sometimes can be, A, they have their own different maintenance responsibilities that are not just looking at a fidelity statement, but that they also have their own volatility And, you know, in the case of a building, you got to make sure it’s managed correctly. are they going to get sued or the windows kept up, all of that stuff, and that there’s a whole different component there. And I’m waiting for the shoe to drop on some fact pattern there where somebody is sitting in the role of an investment advisor. It doesn’t say trustee in the document, so they don’t really think that they have trustee liability. But. they sit in that role and all of a sudden somebody finds 10 55 gallon drums of green fluid in the basement of a building and all of a sudden the trust has a big set of red brackets that say minus $100 million that you owe to the federal government and the EPA. How do you think about that? Jennifer Zelvin McCloskey (40:21.454)Hmm. Jennifer Zelvin McCloskey (40:25.242)That’s a heavy question. so the Delaware stock answer, obviously, direct it, right? It’s just to get the trust, cut off the liability. At the first, at the inception of your hypothetical is bad drafting, right? So if there’s no statement as to whether or not your investment advisor is acting as a fiduciary or not, Frazer Rice (40:35.042)Right. Jennifer Zelvin McCloskey (40:52.836)What does your statute say? Does your statute impose that they are as a default a fiduciary or not? So that’s the very first step. That’s bad drafting. We need to know. But if it’s silent, let’s say it’s just a lousy document, there’s, God knows. Anybody who’s seen trust documents knows that, you’ve seen them all, right? And everything in between. Some are good, some are bad. If this is a bad one. Frazer Rice (41:13.08)Seen good and you’ve seen bad. Jennifer Zelvin McCloskey (41:20.079)Then we need to document the statute. If we can correct it, modify the document, let’s modify it. But if all of that can’t happen, then I would say the best way to handle it, make sure you have adequate insurance. mean, over-insure that, over-insure it. Make sure that there’s regular checks on the actual… Assets that are in the trust, if you have a concentration and that concentration is real estate, get the advice of counsel, put that bad boy into an LLC, get yourself some distance from the actual asset itself being held in the trust, hold an interest, hold a financial interest, push it down to the corporate level. But if you can’t do all of that and you’ve got those 500 gallon drums of green fluid and now you’re… Frazer Rice (42:14.286)You Jennifer Zelvin McCloskey (42:15.371)You you’ve got a super fun site. What do you do? You don’t shy away from it. Have to address it head on. You got to take the accountability. You got to communicate and document, communicate and document some more. Talk to your beneficiaries. Make sure that they’re aware of where it went wrong, why it went wrong. Because I have found in my exposure in the industry over time and in reading case law, it’s when you’re trying to cover stuff up. Frazer Rice (42:43.913)Jennifer Zelvin McCloskey (42:44.027)You’re just making more problems. Bad news doesn’t age well. It doesn’t get better over time. You have to approach it head on and make sure that there’s communication and documentation. Meet with your beneficiaries. If there’s a trusteeship where you are appointed as a trustee individually and you’re not having at least quarterly meetings with your beneficiaries, If you’re not going out and seeing the asset, if you’re not going out and making sure that the asset is properly custodyed, you’re not, you’re violating your fiduciary duty. You are not doing what you’re supposed to do. Frazer Rice (43:21.804)You brought up an interesting word there, custody, which is the administrative function, whether held corporately or individually, one of the major things you have to do is to safeguard the assets. And that’s a big two syllable word that carries a lot of weight with it. That custodial function, how do you teach the trust officers or the individual trustees where that starts and stops? Jennifer Zelvin McCloskey (43:48.579)Yeah, mean, custody is super, it’s a really touchy, touchy subject, especially with the dynamic way that trusts have developed in the current climate from tangibles. You know, I’ve got artwork and my beneficiary wants to hang the artwork in their house. Well, do you have custody? Has it been assigned to the trustee and how do you maintain that asset? Make sure nothing’s happening to it. Do make an appointment, go over to the, visit your artwork? What if it’s prize horses, you know? What if it’s, you know, a stud that, you know, we’re gonna need to breed and it’s gonna be the next Triple Crown winner? How do you make sure that the barn is properly safeguarded? It’s a really touchy subject, especially with things like tangibles and things like assets held away when you technically custody the asset, but you don’t have control over the asset. I think in the education part for custodying, what I do in my programs and when I teach this is I make sure that we talk about different types of asset classes. And what the risks, again, what are the risks that you run with these asset classes? How can we manage the actual and the perceived risk of holding that asset? Even if you have custody and name only, but you don’t have physical custody, how do you maintain your control over that asset? Because it’s really the C’s, right? The custody and control. Just because you don’t have custody doesn’t mean you don’t have control. So we have to make sure that there’s an education that’s provided about the different asset classes, whether it’s tangibles, intangibles, assets held away, if it’s a concentration of stock, if it’s crypto, and most trust companies are not taking crypto. I think that there’s like a circuitous way that they’re getting in right now, but it all boils down to education, isolating what the issue is and educating people on it. Frazer Rice (45:59.586)I’ll give you a third C, it’s consequences, which is what happens when you don’t understand these functions. on the crypto side of things, Jennifer Zelvin McCloskey (46:01.786)Uhhh Frazer Rice (46:11.544)Holds the key to get to the crypto. What happens if that trust officer quits and walks away with the key and they’re like, well, multi-sigil figure this out. I’m like, okay, that’s not that. That doesn’t make me feel great at the moment. And now there have been some advances, which is good, but traps for the unwary to be sure. the good news too for crypto is for people who want exposure, the spot ETFs take away 90 % of the problems with that. But as we start to think about winding down here, because I have a feeling we could probably talk for four or five hours on this subject, when putting your programs together, what does a curriculum look like? And we don’t have to go through it bit by bit, but how does that work when someone comes to your program? How much time does it take? What’s the commitment? Jennifer Zelvin McCloskey (46:47.172)Yeah, I think so. Frazer Rice (46:54.851)Mm-hmm. Jennifer Zelvin McCloskey (47:06.33)So the program that I created that’s really available anywhere across the country is called the Peak Trust Management Certificate Program. Peak Trust Company, may be familiar with it. They have name rights because they gave the donation to the University of Delaware for me to build the program. So it’s housed at the Lerner College at the University of Delaware, but bears the name of Peak Trust Company. I look at five different things. The first thing is trust law and administration. So like I said previously when we were talking, you lay that foundation of what is the legal component of this? What is the baseline that people have to know? And then what is the administration? The second component is, and it’s inextricably intertwined as taxation. What is the income tax? What are the deductions? And now let’s take all of that income tax knowledge, individual income tax knowledge, and build on it with fiduciary income tax. What is DNI? What is FAI? How does it go out to the beneficiary? What’s the character of the distribution? How do we manage that? What are we deducting in the trust? So teaching taxation and not because trustees necessarily are tax preparers, but because the trustees obligation is to be able to understand and read that tax return, they need to know how to spot problems. So from my perspective, teaching fiduciary income tax is a critical component. It also helps. Yeah. Frazer Rice (48:38.828)No, no, I was gonna say no question about that. And there are elections to make, just because it doesn’t just go on autopilot, there are choices to be made so that if you’re the trustee, you may not have to prepare the tax return, but you may have to make a choice on the tax return and you’ve got to be informed because that can be an issue. Jennifer Zelvin McCloskey (48:58.651)65 day elections, perfect example, right? You just, you need to understand what your role is and how it overlaps with that of the CPA. The third part, of course, investments. Investments are inextricably intertwined, whether you’re doing it yourself as the trustee or you’re directed or even delegated, which is like the hairy scaries of every trusteeship known to man, because you’re not actually in control, but you’re responsible. So it’s the gray. When I build a program, because of the, you know, the directed trusteeship being so popular in today’s day and age, we have to talk about not just investments of, you know, marketable securities, not just the custody of tangibles, but also subscription documents, because so many alternatives are held in trust right now. unique assets, need to know how the trustee is actually carrying out their fiduciary duty when it comes to engaging in an investment that is an alternative investment. The fourth component is of course compliance. We cannot ever get away from compliance and I think we could do a whole nother podcast on compliance in trusteeship but. You know, it’s a regulated entity. And even if you’re an individual trustee and you’re not using what those compliance frameworks are, what the guidelines are by OCC, Reg 9, FDIC, if you’re not looking at that and using that as a guideline, don’t do the job. understanding KYC, BSA, AML, all of those compliance components that have tentacles. That’s the fourth part. And then for the fifth part of this program, because it’s specifically geared toward trustee education in trust companies, although it can be applicable, very applicable to individuals, is operations. I was very fortunate that I was able to partner with SCI on building the operations component. So we license their platform called Plato. It’s essentially their training platform. Jennifer Zelvin McCloskey (51:12.888)so that trustees can see how fees are set up, fees, that’s a whole other podcast, fees, statements, distributions, how are we doing this? How are we documenting everything? What are the logistics of the day-to-day operations? So that’s how I built the program and it’s available anywhere in the country. It’s 10 weeks, how long does it take? I would say from three to five hours a week of an investment that you’re making at a bare minimum. Obviously there’s a whole lot more of depth that you can go into. The resources are built in. But I would say 10 weeks, about 50 hours of time where you’re actually engaging with the material. And then I bring in guest lecturers on each different area of expertise for lack of a better description. And they get a certificate at the end, they get a digital badge, and now they really have something where they can add value day one in a trust company or as a trustee. Frazer Rice (52:17.902)With Delaware being, you one of the real gold standards as far as trust jurisdiction, I assume that everything that comes out of this program is pretty transportable to the other useful jurisdictions, let’s call it, within the country. know, the Tennessee’s, the South Dakota’s, the Nevada’s, the Alaska’s, Wyoming’s, New Hampshire’s, et cetera. Obviously, there are hairs to split with different foibles in their law, but everything that you’re describing sounds like works everywhere else. Jennifer Zelvin McCloskey (52:47.928)And I’ve always taken the approach, you’re 100 % correct, I’ve always taken the approach of UTC. I base everything off of UTC and if there’s something different or unique based upon the jurisdiction that you’re in, I always encourage people you have to look at your statute, you have to look at the jurisdiction that you’re actually practicing this in and administering in. I use Delaware, South Dakota, Alaska as examples quite often when we’re talking about the directed stuff, but By and large, it’s UTC. Frazer Rice (53:20.966)It just a weird subset. So special needs trusts and islets, which are two types of trusts, very specific. One holds life insurance. The other is designed to really take care of people who can’t take care of themselves. And they are types of trusts that a lot of trust companies don’t like to take on because the liability is harder or the profit margin is less. For those individuals who get the opportunity to participate in those and I put that in air quotes. How would you advise people to get ready for those types of situations? Jennifer Zelvin McCloskey (53:58.308)People who are in need of those types of trusts. Frazer Rice (54:02.122)Well, maybe both. The people who need those trusts, you know, they’re going to, they, you know, it’s almost like they get set up and then the staffing gets kind of figured out later, barely. And then, you know, the, for the people who end up taking on that role, they really have no idea of what they’re in for in a sense. Is there sort of like a mini, I’m not going to say a full course like you’re describing, but a crash course in, in what’s going on here and what can I do to keep myself safe? Jennifer Zelvin McCloskey (54:30.271)Unfortunately, no, I don’t know of one. and there isn’t much built in. there’s, we talk about a little bit in the program that I built, but, those are specialized and eyelets we talk about a little bit more there, you eyelets had their day and sort of they has done ish. but special needs trust. It’s a whole other ball game because It really incorporates state law and social security and Medicaid, all of those government benefits that I think you would need something more specialized than my program that I developed. And I don’t have a great answer for that, I’m sorry. Frazer Rice (55:12.482)No, there’s not a great answer for it because it’s tough. it’s a, all of which is to say for someone who’s involved with those things and feels confused by what’s going on, that’s one where it’s worth it to spend the money to lean on a dedicated Medicaid elder care, special needs type of lawyer on that front because there are traps for the unwary. Okay, now we’re starting to butt up against an hour here of. Jennifer Zelvin McCloskey (55:29.764)Yes . . . Frazer Rice (55:38.827)Four hours. No, I’m kidding listeners. We’re not going to talk for four hours, but How do people find your program and and then I’ll ask a bonus question at the end Jennifer Zelvin McCloskey (55:49.339)So the program is on the University of Delaware’s website. You just type in peak trust management certificate and it’ll pop up. My name will be there. I think my picture might be there. It’s all over my LinkedIn. So if you look me up, you’re going to see the peak trust management certificate program. You can always email me, jennifer at zeldenlaw.com. Happy to push people into it. start, I’m in the new cohort right now. We’re two weeks into a 10 week program. But we have a new cohort starting in May. I think it’s May 4th. So may the fourth be with you. Frazer Rice (56:24.622)Terrific. So the final question here is really more of a crystal ball question. In this trust industry, trustee industry, what are the real, I’m going to say opportunities out there, and we’ve sort of painted a picture of doom and gloom and its low profit margin and things like that. Where can someone who is thinking from a business perspective about this find something? Once they’re properly educated about it and being able to participate in it. Jennifer Zelvin McCloskey (56:57.582)There are so many opportunities. There is an absolute need for good trustees everywhere. Trust companies from coast to coast, individual trustee alliance. People really, really need trustees. There’s tremendous opportunity with Heritage Institute, not the Heritage Foundation, but the Heritage Institute. There’s opportunities with…various family offices and various trust companies for education, for beneficiary education. So many opportunities out there. Trust companies are just clamoring for people. So if people are interested in becoming a trustee, getting that education, you will not have a hard time finding a job. Like you said, it’s basically recession proof. This wealth is going to transfer. We need sophisticated, knowledgeable trustees. on the receiving end of that transfer so that it happens correctly. Frazer Rice (57:56.578)I’d go so far as to say financial advisors. I just gotta say, a CFP is useful, CFA is on your investment side, but something like this, you know so much more about how intergenerational wealth works than what’s happening in those particular situations that I think it helps people stand out when I see something like that on a resume. Jennifer Zelvin McCloskey (58:00.302) “THE TRUSTEE CRISIS: Navigating the Challenges”That’s all the podcast. I hear you. I hear you. Frazer Rice (58:24.386) “THE TRUSTEE CRISIS: Navigating the Challenges”All right, with that, Jennifer, it’s great to catch up and I will have all of your information on the show notes and I will either see you at the ITA conference in Dallas or what I’m down in Delaware next. More Around “THE TRUSTEE CRISIS: Navigating the Challenges” BUILDING A TRUST COMPANY TENNESSEE AS A JURISDICTION DIRECTED TRUSTEES DELAWARE WELL BEING TRUST THE TRUSTEE CRISIS: Navigating the Challenges https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Keywords for THE TRUSTEE CRISIS: Navigating the Challenges trusteeship, wealth transfer, trust management, fiduciary duties, trust education, estate planning, risk management, trust administration, individual trustees, trust companies, the trustee crisis, navigating the challenges, the great wealth transfer,

The Joint Readiness Training Center is pleased to present the one-hundredth-and-thirty-seventh episode to air on ‘The Crucible - The JRTC Experience.' Hosted by MAJ Marc Howle, the Brigade Senior Engineer / Protection Observer-Coach-Trainer, and MAJ David Pfaltzgraff, BDE Executive Officer OCT, from Brigade Command & Control (BDE HQ) on behalf of the Commander of Ops Group (COG). Today's guests are expert sustainers from across JRTC: MAJ Amy Beatty, the TF Executive Officer for TF Sustainment (DSSB / LSB) and CPT Cody Kindle, the S-4 Sustainment Planner in Plans / Exercise Maneuver Control (TF Zulu).   This episode dives into the importance of base clusters, which are a survivability and sustainment technique used by brigades and battalions to disperse logistics and command elements while maintaining mutual support in a contested battlespace. Instead of concentrating sustainment nodes such as the brigade support area (BSA), field trains, and maintenance sites in a single large footprint, units distribute smaller elements across a wider area in multiple mutually supporting positions connected by terrain, security, and communications. This approach reduces the vulnerability of sustainment assets to long-range fires, UAS surveillance, and precision strike systems that dominate the modern battlefield. By dispersing logistics nodes while maintaining coordination through disciplined reporting, movement control, and security integration, base clusters allow sustainment elements to remain survivable, mobile, and capable of supporting maneuver forces in large-scale combat operations (LSCO).   Part of S13 “Hip Pocket Training” series.   For additional information and insights from this episode, please check-out our Instagram page @the_jrtc_crucible_podcast   Be sure to follow us on social media to keep up with the latest warfighting TTPs learned through the crucible that is the Joint Readiness Training Center.   Follow us by going to: https://linktr.ee/jrtc and then selecting your preferred podcast format.   Again, we'd like to thank our guests for participating. Don't forget to like, subscribe, and review us wherever you listen or watch your podcasts — and be sure to stay tuned for more in the near future.   “The Crucible – The JRTC Experience” is a product of the Joint Readiness Training Center.

Former compliance and BSA officer Ashley Przada joins Rafael DeLeon to share hard-won lessons from 14 years in banking — covering everything from BSA risk and examiner relationships to compliance burnout and building programs from the ground up.

In this week's episode, Elliot Berman and John Byrne cover a wide-ranging set of developments reshaping the global AML landscape. They open by marking the fourth anniversary of Russia's invasion of Ukraine before diving into new regulatory, enforcement, and geopolitical stories affecting financial crime professionals. John highlights the Federal Reserve's request for comment on removing “reputation risk” from bank supervision and discusses ongoing litigation involving JPMorgan and the Trump Organization. The conversation then turns international: OCCRP's newly announced Anti-Corruption Hero Awards, revelations of European-made parts ending up in Russian military drones, and the European Center for Not-for-Profit Law's work on financial access for human rights defenders. Elliot and John also examine Australia's transition to a new AML/CFT regime and Canada's new financial intelligence initiative focused on extortion. Additional topics include the Treasury Inspector General's audit of FinCEN, IRS-CI's latest BSA data usage report, and U.S. cases involving cyber intrusions and tax fraud.

In this episode of AML Conversations, John Byrne sits down with Sarah Beth Felix—AML expert and author of Dirty Money Weekly—to break down the biggest storylines shaping financial crime compliance this month. Sarah offers a practical, forward-looking take on the Epstein files and why community and midsize banks must rethink their approach to adverse media screening. She and John also unpack the confusion surrounding the administration's de-risking Executive Order, the impact of FinCEN's recent CDD “exceptive relief,” and the optics behind the agency's decision to rescind its advisory on the St. Kitts & Nevis Citizenship‑by‑Investment program. They dive deeper into IRS‑CI's newly released data proving the value of BSA reporting—and what rising CTR/SAR thresholds could mean for law enforcement. To close, Sarah responds to emerging rumors that banks should be required to capture and track customer citizenship status, explaining why such a shift would have massive operational implications. This is a must-listen for AML professionals navigating a rapidly changing regulatory landscape and looking for actionable insight, context, and clarity.

Ward Black     During his career, Ward has worked in multiple sales, procurement, research, and business intelligence roles for private companies, Fortune 500 corporations, and public institutions. Ward holds a BSA and MS in Agricultural Economics from the University of Georgia. He currently serves on the Board of Directors of Georgia Green Industry Association […]

Do you get nervous speaking English in front of people, even a small group of friends?In this episode of our new series, Georgie and Hanan talk about public speaking and speaking in bigger groups.With Regina Kaplan Rakowski, Professor of Learning Technologies at the University of North Texas.WATCH – Find Georgie's videos with tips to improve your speaking here: https://www.bbc.co.uk/learningenglish/english/features/beating_speaking_anxiety/not_understanding-videoTRANSCRIPT – Read along with this podcast and learn useful vocabulary: https://downloads.bbc.co.uk/learningenglish/features/beating_speaking_anxiety/4_BSA_speaking_in_front_of_others_transcript__.pdfNEWSLETTER – Sign up to our email newsletter to hear about our latest lessons and programmes https://www.bbc.co.uk/send/u178220599

Rent increases, eviction notices, bounced cheques, off-plan delays—property questions land in our inbox every single week, and for many people the rules still feel confusing and stressful. We open up a UAE property law clinic today on the show with Bassel Boutros, Partner at BSA.See omnystudio.com/listener for privacy information.

On the Mike Hosking Breakfast Full Show Podcast for Wednesday 4th of February, Transport Minister Chris Bishop delves into the overhaul of the drivers licensing system. Mike runs through what words he can, can't, and shouldn't say after the BSA's latest swearing report. And Ginny Andersen and Mark Mitchell discuss Peeni Henare's resignation, the messy press conference with Labour and the Greens, and Waitangi on Politics Wednesday. Get the Mike Hosking Breakfast Full Show Podcast every weekday morning on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Kiwis are less keen to hear offensive language in broadcasting, according to new reports. A BSA survey has found more than half of the words assessed are now seen as less acceptable in broadcasting than they were four years ago. The N-word and the C-word were considered unacceptable by the highest percentage of people. AUT Communication Studies lecturer Lewis Tennant says it seems that a lot of people object to the racism and sexism attached to those words. "The long-term trend for naughty words is still much more relaxed overall than over the past few decades." LISTEN ABOVESee omnystudio.com/listener for privacy information.

The Broadcasting Standards Authority says the current laws it operates under are obsolete. A Parliamentary paper on the BSA's annual review notes the watchdog's definition of a broadcaster is 35 years old. The authority says it's been asking for legislation reform for about 15 years, as media companies produce more online content. BSA Chief Executive Stacey Wood told Mike Hosking the jurisdiction framework is not clear. She says it doesn't have the resources to regulate every audio-visual programme transmitted to the public, as it is defined in the Act. LISTEN ABOVE See omnystudio.com/listener for privacy information.

On the Mike Hosking Breakfast Full Show Podcast for Wednesday 28th of January, the Government is set to adjust the Auckland housing plan – Chris Bishop gives a few details. The Broadcasting Standards Authority is calling for a change in the laws around media broadcasting in this country. Mark Mitchell and Ginny Andersen talk MPs leaving, the Mount Maunganui tragedy, and whether they pay attention to the polls on Politics Wednesday. Get the Mike Hosking Breakfast Full Show Podcast every weekday morning on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVE See omnystudio.com/listener for privacy information.

An ACT MP wants the Broadcasting Standards Authority to be abolished as the watchdog seeks more power. The authority has been asking for law reform for about 15 years as media companies produce more online content. A Parliamentary paper notes the watchdog operates off a definition of a broadcaster established 35 years ago. ACT's Laura McClure told Ryan Bridge she agrees the world has changed a lot in the past three decades. She says there are many methods of oversight and doesn't believe the BSA is relevant anymore. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Meanwhile, another Senate body, the Agriculture Committee, is preparing to release its own draft text on Wednesday, raising the possibility that the emerging schism could grow wider as the bill moves forward.Guest: Aaron Day Chairman/CEO of the Daylight Freedom FoundationFollow Aaron on X ➜ https://x.com/AaronRDay~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 Intro00:10 Sponsor: Tangem00:50 Hearing on tuesday01:15 ABA top priority02:00 Propaganda02:45 Aaron hates Ag bill03:30 Ag vs CLARITY04:30 Media is one sided05:45 Did you read the entire bill?07:45 Who's opinion do you trust on the bill?10:30 Who benefits?12:00 DeFi Education Fund gives the greenlight?16:30 So... no regulation?18:45 CLARITY vs DCIA19:00 Congress vs SEC19:30 Crypto vs BSA?21:30 DeFi vs accredited investors22:30 People don't care about stablecoins?26:00 Banks vs Tech Billionaires28:00 Outro#Crypto #Bitcoin #Ethereum~Crypto CLARITY Dead?

Fraud isn't slowing down, it's evolving. The Banking on Fraudology podcast is now Fraud Forward, and we're kicking off the new era with a no-nonsense look at what financial institutions are actually facing on the front lines.In this premiere episode, host Hailey Windham brings together fraud, risk, and BSA leaders from banks and credit unions to separate real signals from industry noise. No hype. No fear-mongering. Just firsthand insight from teams fighting fraud at machine speed.We unpack:What fraud teams saw escalate over the past yearWhich threats are accelerating into 2026Where banks and credit unions remain most exposedHow digital arrest scams, Ghost Tap fraud, and self-adapting AI attacks are changing the gameWhy in-branch controls are making a comebackIf you're responsible for fraud prevention, BSA, risk, or compliance, this episode offers clear, realistic guidance on what to prioritize now, and what needs to change as fraud keeps moving faster.

In this candid year-end conversation, John Byrne and Sarah Beth Felix dissect an unprecedented year in AML enforcement. Felix, President of Palmero Consulting and creator of "Dirty Money Weekly," describes what she sees as systematic dismantling of AML infrastructure despite stated priorities of combating fentanyl and transnational criminal organizations. With only four enforcement actions from traditional federal banking agencies compared to FINRA's 20+ penalties, the landscape has shifted dramatically. The discussion explores Treasury's proposal to give FinCEN veto authority over banking agency BSA decisions - a move Felix warns could create massive bottlenecks. They examine troubling patterns in recent OFAC sanctions penalties where entities disregard guidance while violations flow through traditional banks. Felix shares skepticism about AI replacing the "hyper suspicious" human judgment essential to AML work, noting AI tools consistently fail basic sanctions questions. The conversation addresses the stark gap between U.S. and European cryptocurrency regulation, with America applying 40-year-old money service business laws to digital assets while the EU has comprehensive frameworks like MiCA. Looking ahead to 2026, Felix urges AML officers to use reduced regulatory scrutiny strategically - eliminating legacy policies that waste time while remembering everything missed now can trigger future enforcement. She emphasizes focusing on cartels and foreign terrorist organizations, which now carry criminal liability for banking officers, and proactively auditing customer sanctions programs.

CME credits: 0.25 Valid until: 31-12-2026 Claim your CME credit at https://reachmd.com/programs/cme/when-topicals-fail-the-new-ipc-consensus-every-clinician-should-know/39967/ This podcast reviews the International Psoriasis Council (IPC) 2025 guidance on reclassifying psoriasis severity and redefining failure of topical therapies. Clinical features such as high-impact disease sites, failure of topical treatment, or BSA >10% all factor into whether patients are candidates for systemic therapy in this new guidance. Despite broad endorsement, many clinicians remain uncertain about applying the new framework. This activity aims to raise awareness, clarify updated criteria, and align practice with current evidence supporting earlier use of IL-23 and IL-17 inhibitors in appropriate patients.=

347: Protecting Your Nonprofit from Fraud (Amy Seintourens) SUMMARYThis episode is brought to you by TowneBank, whose ongoing support can be a powerful partner for your organization, offering financial expertise, expanded community relationships, and practical advice no matter your budget size. Learn more at TowneBank.com/NonprofitBanking. Fraud is one of the most underestimated risks in the nonprofit sector - and one of the most disruptive when it strikes. In Episode #347 of Your Path to Nonprofit Leadership, fraud prevention expert Amy Seintourens, SVP and Director of Fraud Management at TowneBank, breaks down the real vulnerabilities nonprofits face today, from internal threats and weak controls to sophisticated email scams, phone spoofing, counterfeit checks, and mail theft. Using clear examples and practical guidance, Amy explains why small organizations can be even more vulnerable and how simple steps - dual controls, treasury services, verification habits, and ongoing team training - significantly reduce risk. Whether you're a founder handling your own bookkeeping, a board treasurer overseeing internal controls, or a senior leader strengthening organizational resilience, Amy offers straightforward strategies to help you prevent fraud before it happens - not after it's too late.ABOUT AMYAmy Seintourens is the Senior Vice President and Director of Fraud Management at TowneBank, bringing 31 years of experience in fraud prevention and Bank Secrecy Act (BSA) compliance. She began her career in 1994 at Dean Witter, later known as Morgan Stanley, before joining EverBank in 2011, where she gained extensive experience supporting a primarily online bank environment. Amy maintains both her ACAMS (Certified Anti-Money Laundering Specialist) and CFE (Certified Fraud Examiner) credentials. She joined TowneBank in 2018 to support BSA operations and was promoted in 2022 to lead Fraud Management for the organization. Amy is deeply passionate about educating employees and members, staying ahead of emerging fraud trends, and helping nonprofits and businesses strengthen their internal controls.RESOURCESLearn more about fraud prevention at TowneBank.comTowneBank's The Shield bi-monthly fraud-prevention newsletterLet Them by Mel Robbins (Amy's book recommendation)Armstrong McGuireYour Path to Nonprofit Leadership (Audible edition available)

Texas recently signed into law Senate Bill 835, also called Trey's Law, protecting victims of sexual abuse, child sexual abuse, and human trafficking from being silenced by NDAs. What are the pros and cons of these NDAs and how are they impacting the sexual abuse case against Boy Scouts of America? Today on Cut to the Chase: Podcast, we're uncovering the answers with attorney Jason Joy, a leading advocate for BSA survivors, and Curtis Garrison, a survivor, speaker, and driving force behind major legislative reform. What to expect in this episode: More about Trey's Law in Texas: banning NDAs with sexual abuse victims, retroactive protections, and more Top resources for victims and advocates of childhood sexual abuse How to get involved in the fight for justice   Stay tuned for more updates, and don't miss our next deep dive on Cut to the Chase: Podcast with Gregg Goldfarb!   Subscribe, rate, review, and share this episode of the Cut to the Chase: Podcast!   Resources: Speak Out to Stop Child Sexual Abuse: https://soscsa.org No More Victims Alliance: https://www.nmvalliance.org  Learn about Trey's Law: https://treyslaw.org  Jason Joy & Associates: https://www.jasonjoylaw.com Connect with Jason on LinkedIn: https://www.linkedin.com/in/jason-joy-595a3416   This episode was produced and brought to you by Reignite Media.

America is racing to build the infrastructure for an AI-powered economy. But as this generational investment accelerates, a critical question emerges: Are organizations truly ready to deploy AI at scale? While AI is everywhere in headlines, enterprise readiness remains uneven. Many companies are experimenting with AI, but far fewer have the data quality, governance structures, workforce skills, or sector-specific frameworks needed to adopt it responsibly and effectively. The gap between infrastructure and real-world deployment is growing — and closing it will determine whether AI strengthens competitiveness and expands opportunity across the economy. In this episode, guest host Brie Sachse, Senior Vice President & Head of Government Affairs for Siemens USA, sits down with Victoria Espinel, President & CEO of the Business Software Alliance (BSA), to explore how AI can be responsibly integrated across every sector of the economy. Together, they discuss what it takes to accelerate AI adoption in ways that strengthen competitiveness, expand opportunity, and build public trust. Victoria shares insights from BSA's global work on AI and digital transformation, while Brie discusses the strong benefits of AI adoption across all sectors of industry, where AI meets the physical world. Both Brie and Victoria reflect on how policymakers, employers, and technology leaders can work together to ensure AI provides benefits to organizations of all sizes. This episode offers a practical, optimistic look at the future of AI and why readiness, not hype, is the key to unlocking America's AI advantage.

If the victims in the Boy Scouts of America sexual abuse case aren't getting paid… who is? And how are NDAs protecting the abusers? Tune in as we break it all down. This week on Cut to the Chase: Podcast, we're continuing the conversation with attorney Jason Joy, a leading advocate for BSA survivors, and Curtis Garrison, a survivor, speaker, and driving force behind major legislative reform. What to expect in this episode: What is Trey's Law? Who's really getting paid from the Boy Scouts abuse case? How NDAs and the law have historically protected institutions and abusers The shocking average age that survivors come forward about their abuse How organizations like SOSCSA and No More Victims Alliance are fighting for justice for child sexual abuse victims   Stay tuned for more updates, and don't miss our next deep dive on Cut to the Chase: Podcast with Gregg Goldfarb!   Subscribe, rate, review, and share this episode of the Cut to the Chase: Podcast!   Resources: Speak Out to Stop Child Sexual Abuse: https://soscsa.org No More Victims Alliance: https://www.nmvalliance.org  Learn about Trey's Law: https://treyslaw.org  Jason Joy & Associates: https://www.jasonjoylaw.com Connect with Jason on LinkedIn: https://www.linkedin.com/in/jason-joy-595a3416 Listen to our first Boy Scouts case breakdown (Feb 2024) with Jason Joy: https://bit.ly/4m62Y3s  Listen to our last Boy Scouts case update (Aug 2025) with Jason and Curtis: https://bit.ly/4o6PogX    This episode was produced and brought to you by Reignite Media.  

Peter Van Valkenburgh is the Executive Director of Coin Center, a leading nonprofit research and advocacy group focused on cryptocurrency policy. In this episode, Peter joins The Bitcoin Frontier to explore why defending the right to self-custody is about much more than bitcoin — it's about the future of individual freedom, open-source innovation, and financial privacy. We dig into the parallels between the 1990s “crypto wars” and today's digital sovereignty battles, the threats facing developers of privacy tools, and the constitutional foundations for privacy and property in the digital age.SUPPORT THE PODCAST: → Subscribe → Leave a review → Share the show with your friends and family → Send us an email: podcast@unchained.com → Learn more about Unchained: https://unchained.com/?utm_source=you... → Book a free call with a bitcoin expert: https://unchained.com/consultation?ut...TIMESTAMPS:0:00 – Intro and Peter's journey from acting to bitcoin policy2:00 – Discovering the cypherpunks and the roots of internet freedom4:00 – Entering bitcoin through law school and meeting Jerry Brito6:00 – Founding Coin Center and defining “permissionless innovation”9:00 – The mission: protecting the freedom to build and use open blockchains11:00 – Bitcoin's privacy problem and the legal risks of building privacy tech13:00 – Educating DC: explaining bitcoin to Congress in the early days16:00 – Navigating the SEC, ICOs, and defining what counts as a security18:30 – The evolution from education to constitutional litigation22:00 – Bitcoin as the revival of a “bearer instrument” economy26:00 – The “secret right to cash” and the Fourth Amendment's blind spot30:00 – Privacy, property, and what bitcoin reveals about constitutional limits35:00 – The Keep Your Coins Act and why it matters for financial sovereignty43:00 – The DOJ's shift toward prosecuting developers — and why it's dangerous46:00 – Inside the Tornado Cash and Samurai Wallet prosecutions50:00 – How Coin Center is fighting for software publishing rights54:00 – Legislative progress: Clarity, Keep Your Coins, and BRCA1:00:00 – Lessons from the 1990s encryption wars1:03:00 – How liability protections shaped (and centralized) the internet1:08:00 – The convenience dilemma: why self-custody must become easier1:12:00 – The Bank Secrecy Act, mass surveillance, and new legal challenges1:19:00 – Coin Center's constitutional lawsuits for privacy and association rights1:23:00 – Why the BSA is ripe for reform — and bitcoin's role in that debate1:27:00 – Zero-knowledge proofs, AML, and a future of privacy-preserving compliance1:29:00 – How self-custody wallets enable digital identity and personal sovereignty1:31:00 – Closing thoughts: bitcoin as the foundation for a freer digital futureWHERE TO FOLLOW US: → Unchained X: https://x.com/unchained → Unchained LinkedIn:   / unchainedcom  → Unchained Newsletter: https://unchained.com/newsletter → Joe Kelly's Twitter: https://x.com/josephkelly → Peter Van Valkenburgh's Twitter: https://x.com/valkenburgh 

Title: Histological Whole Slide Scanning Reproducibility Study   Authors: Hannah Benton, BSa, Tomoe Shiomi, MS, HTL(ASCP)CM, CT(IAC)CM, Fatma Farooqi, BSc, HTL(ASCP), Elizabeth A. Chlipala, BS, HTL(ASCP)QIHC and Luis Chiriboga, PhD, HT(ASCP)QIHC Abstract: Whole slide imaging (WSI) is an increasingly versatile method for capturing and sharing high-resolution digital images of stained histological slides. These images can be used for a variety of applications, including clinical diagnosis, pathology review, and image analysis. While many whole slide scanners exist with varying features tailored to different use cases, a critical factor across all platforms is the accuracy and reproducibility of the scanned images. To investigate scan consistency over time, a control slide was prepared using a tissue microarray stained with Hematoxylin and Eosin (H&E). Ink dots were applied to the slide to define a consistent scanning region. The slide was scanned 77 times over six months using an Aperio AT2 whole slide scanner at 40x magnification.Image analysis was performed using HALO software by Indica Labs. Both the entire scan area and individual tissue punches were analyzed to assess total stained area and stain intensity, quantified by optical density (OD) for both hematoxylin and eosin. A linear regression model was applied to data from all individual punches and the full scan region. Additionally, a two-way ANOVA was conducted to compare OD values of hematoxylin and eosin between the first 10 scans and the last 10 scans. Key findings were that hematoxylin showed a statistically significant decline in both stained areas and OD over time, while eosin demonstrated a statistically significant increase in stained area, but a decrease in OD. These results suggest potential degradation of staining quality or imaging consistency over time. Possible contributing factors include slide bleaching, light source variability, annotation region size, or other imaging conditions. These will be the focus of future investigations to better understand and control variability in longitudinal slide scanning studies.

So much whiskey! Dan comes back from the Bourbon Trail with gifts for the guys. Thanks Dan, now Tom is schnookered and we're running off the rails. So, you're telling me that basically all the motorcycles are going to be made in India or China? Major Indian motorcycle companiesBajaj Auto: A major player in both the Indian and global markets, known for its innovation and extensive export network. They are building for KTM, Husqvarna, BMW and Triumph. Hero MotoCorp: One of the largest two-wheeler manufacturers in the world, they build for Zero, Harley and EBR (ErikBuellRacing). TVS Motor Company: An Indian multinational company that is building for Norton and BMW. Royal Enfield: An old and iconic brand known for producing durable and stylish motorcycles. Although its origins are British, it has been an Indian company since 1994.Mahindra Two Wheelers: The two-wheeler division of the Mahindra Group, Jawa, Yezdi and BSA. Mahindra owns Jawa, BSA, https://www.deccanherald.com/business/companies/mahindra-group-eyes-top-spot-among-premium-motorcycles-3175555Support the showRemember folks...Ride Fast and Take Chances! check out our Youtube channel at https://www.youtube.com/c/ClevelandMoto

Discover the iconic history of the BSA red jacket and red wool jac-shirt, one of the most recognizable pieces of vintage BSA uniform gear. In this podcast, we explore how the Boy Scouts red wool jacket became a symbol of Scouting tradition, from early designs to modern variations. Learn why these Scouting collectibles are treasured by collectors, how Scout jacket patches turned them into walking scrapbooks, and what makes original BSA jac-shirts so valuable today. Whether you love Scouting history, Order of the Arrow jackets, or classic BSA memorabilia, this deep dive brings real Scouting nostalgia to life.

Radio TRO is brought to you in part by:Twisted Road - Motorcycle Rental in the USAVisit Twisted.TRO.bike to get a FREE riding day!Robin makes quick announcements: podcast transcripts now sync in players like AntennaPod and Cali Superbike School dates are live. Starting in 2026, any America the Beautiful Pass covers two motorcycles per instance. His EICMA picks include the CF Moto Ibex 450, Ducati Diavel V4, Honda's wild V3R 900 e-compressor, MV Agusta Brutale Serie Oro, a track-ready Norton Manx-R and Yamaha's upgraded R7.Brian sips a gin and tonic by the Dauphin Island view. He agrees with Robin's "don't overthink engines" line but dives into the fun parts, answering questions about fuel stabilizer, brass valve extensions and mysterious Amazon specials. At EICMA, he avoids vaporware and focuses on reality, especially Honda's CB1000 GT, a solid no-pretend tall-rounder.Joanne arrives with a seam ripper and a sword, warning that Velcro usually fails first on gear. That's often cost-cutting, not necessity so always use warranties. Good Velcro feels different and smart design eliminates reliance on it ... reversed cuffs, better zips and quality hardware show true R&D. For repairs, treat technical gear like tools: use authorized centers for Gore-Tex and key seams and know your YKK zips from bargain-bin zips. Don't fall for fashion marketing that sells photoshoots but delivers hospital bills.Jordan time-warps to Daytona 1970, tracing the politics and physics of beach racing and the move to 31-degree banking. The U.S. demanded speeds that many European frames and brakes couldn't handle, prompting British consolidation: BSA/Triumph and Norton/AJS/Matchless. He explains Triumph and BSA triples with 120-degree balance, AMA rules shaped by Harley and the transition from KR750 to XR750 as two-strokes were limited, speeds topping 150 mph.Speaker Entry:Robin Dean - 00:03:46Brian Wringer - 00:06:11Joanne Donn - 00:57:44Jordan Liebman - 01:18:25Episode Page: https://tro.bike/podcast/2025e33/Music by Rabid Neon and Otis McDonald

Radio TRO is brought to you in part by:Twisted Road - Motorcycle Rental in the USAVisit Twisted.TRO.bike to get a FREE riding day!Robin makes quick announcements: podcast transcripts now sync in players like AntennaPod and Cali Superbike School dates are live. Starting in 2026, any America the Beautiful Pass covers two motorcycles per instance. His EICMA picks include the CF Moto Ibex 450, Ducati Diavel V4, Honda's wild V3R 900 e-compressor, MV Agusta Brutale Serie Oro, a track-ready Norton Manx-R and Yamaha's upgraded R7.Brian sips a gin and tonic by the Dauphin Island view. He agrees with Robin's "don't overthink engines" line but dives into the fun parts, answering questions about fuel stabilizer, brass valve extensions and mysterious Amazon specials. At EICMA, he avoids vaporware and focuses on reality, especially Honda's CB1000 GT, a solid no-pretend tall-rounder.Joanne arrives with a seam ripper and a sword, warning that Velcro usually fails first on gear. That's often cost-cutting, not necessity so always use warranties. Good Velcro feels different and smart design eliminates reliance on it ... reversed cuffs, better zips and quality hardware show true R&D. For repairs, treat technical gear like tools: use authorized centers for Gore-Tex and key seams and know your YKK zips from bargain-bin zips. Don't fall for fashion marketing that sells photoshoots but delivers hospital bills.Jordan time-warps to Daytona 1970, tracing the politics and physics of beach racing and the move to 31-degree banking. The U.S. demanded speeds that many European frames and brakes couldn't handle, prompting British consolidation: BSA/Triumph and Norton/AJS/Matchless. He explains Triumph and BSA triples with 120-degree balance, AMA rules shaped by Harley and the transition from KR750 to XR750 as two-strokes were limited, speeds topping 150 mph.Speaker Entry:Robin Dean - 00:03:46Brian Wringer - 00:06:11Joanne Donn - 00:57:44Jordan Liebman - 01:18:25Episode Page: https://tro.bike/podcast/2025e33/Music by Rabid Neon and Otis McDonald

With nearly 100,000 claimants coming forward in the Boy Scouts of America sexual abuse case, pressure is ramping up and the demand for justice is stronger than ever. Today on Cut to the Chase: Podcast, we're bringing clarity to one of the largest sexual abuse litigations in U.S. history, answering the question: Why aren't victims getting compensated? Gregg is joined by two essential voices: attorney Jason Joy, a leading advocate for BSA survivors, and Curtis Garrison, a survivor, speaker, and driving force behind major legislative reform. What to expect in this episode: Why survivors are receiving extremely low payouts The insurance litigation behind the scene How the Supreme Court appeal could overturn the current plan and reshape the future for all 100,000 claimants.   Stay tuned for more updates, and don't miss our next deep dive on Cut to the Chase: Podcast with Gregg Goldfarb! Subscribe, rate, review, and share this episode of the Cut to the Chase: Podcast!   Resources: Speak Out to Stop Child Sexual Abuse: https://soscsa.org No More Victims Alliance: https://www.nmvalliance.org  Learn about Trey's Law: https://treyslaw.org  Jason Joy & Associates: https://www.jasonjoylaw.com Connect with Jason on LinkedIn: https://www.linkedin.com/in/jason-joy-595a3416 Listen to our first Boy Scouts case breakdown (Feb 2024) with Jason Joy: https://bit.ly/4m62Y3s  Listen to our last Boy Scouts case update (Aug 2025) with Jason and Curtis: https://bit.ly/4o6PogX    This episode was produced and brought to you by Reignite Media.

Today on the show I get to chat with Amanda Marlowe! She guides thoughtful art experiences that ask kids life's big questions. She develops curriculum for nature non-profits schools, museums, and businesses. Amanda holds a BSA in Philosophy and Education from Skidmore College and is currently writing a children's book on death. Her business, Eco Art, is a thoughtful art experience on sustainability and impermanence for kids. A trash art offering designed to interact with the byproduct of creation. All bits and bobs upcycled. Materials supplied, though feel free to byot (bring your own trash)!Amanda shares how and why she began to work with children through the medium of upcycled art. It began really out of her own processing of her birth mother's death and a curiosity about what to do with her belongings. Our conversation touches on themes of grief, loss, letting go, and cycles of life. She also works with children who have lost a loved one, and works with a team of folks at Roula's Kids to support them through their grieving process. It feels important to mention that during our conversation, something opens up for me, and the tears began to flow. We left unresolved her resistance to the label artist, and are still unpacking what to do with the "shoulds" that surface from time to time. Clearly there's more for us to talk about. I could listen to her share her creative ideas for what to do with leftover toys and arts supplies for hours and am excited to try my hand at making paper!You can find her Mondays at CCE, High Meadow School and contact her for your kiddos special event or if you have items you think she might enjoy transforming with her clients. (Multiples greatly appreciated!)Today's show was engineered by Ian Seda from Radiokingston.org.Our show music is from Shana Falana!Feel free to email me, say hello: she@iwantwhatshehas.org** Please: SUBSCRIBE to the pod and leave a REVIEW wherever you are listening, it helps other users FIND IThttp://iwantwhatshehas.org/podcastITUNES | SPOTIFYITUNES: https://itunes.apple.com/us/podcast/i-want-what-she-has/id1451648361?mt=2SPOTIFY:https://open.spotify.com/show/77pmJwS2q9vTywz7Uhiyff?si=G2eYCjLjT3KltgdfA6XXCAFollow:INSTAGRAM * https://www.instagram.com/iwantwhatshehaspodcast/FACEBOOK * https://www.facebook.com/iwantwhatshehaspodcast

Description: Psoriatic disease affects far more than just the skin. Hear leading dermatologist Dr. April Armstrong and Dr. Benoît Guérrette discuss this and more with Jensen, a patient advocate. Psoriatic disease affects not only the skin but it can impact confidence, emotional and social well-being, and daily life. In this episode, join moderator Dr. Guy Eakin, Chief Scientific and Medical Officer at NPF, as we explore the disconnect between clinical classifications of psoriasis and what patients experience in real-life with leading dermatologist Dr. April Armstrong, Dr. Benoît Guérrette, Vice President of Dermatology & Rheumatology at Takeda, and Jensen, a NPF patient advocate and former Lead Youth Ambassador. Listen as we address the need for a more nuanced approach to classifying disease severity that accounts for the holistic needs of psoriatic disease, as well as share insights into how advocacy and awareness can drive change in treatment access and care standards.  The intent of this episode is to identify how clinical severity classifications of psoriasis are evolving to meet the needs of those who live with the disease and how that change impacts overall management. This episode is sponsored by Takeda. Timestamps: (0:00) Intro to Psoriasis Uncovered and guest welcome to dermatologist Dr. April Armstrong, Vice President of Takeda, Dr. Benoît Guérette, and patient advocate Jensen, who discuss the unmet needs of people with moderate psoriasis and how as a community we can better serve those living with the disease. 2:22 How health care providers and the biopharmaceutical industry are coming together to address systemic eligibility and the unmet needs of people living with psoriasis. 4:25 Quality of life should be included when assessing clinical severity in psoriasis and identification of appropriate treatment choices. 6:52 The impact of misdiagnosis, inappropriate treatment, and effect on high impact sites can be life- altering. 8:30 How appropriate treatment and knowledge can make all the difference when diagnosed with plaque psoriasis.  9:40 Views on the psoriasis disease classification system and how it's evolving to include real life impact from physical and emotional needs, to more personalized care for those living with psoriasis, even when small body surface areas are involved. Severity isn't defined by skin coverage alone. 12:38 What's needed to prioritize the care and outcomes of people living with psoriasis. 14:18  The future of management and care for psoriatic disease. 15:53  "My skin tells a story." Wisdom from what I wish I had known previously. 16:52  Moving closer to care that truly reflects the lives and needs of those who live with psoriasis. Key Takeaways: ·       Severity of psoriasis isn't defined by skin coverage or body surface area (BSA) alone. The impact on quality of life should also be considered in the assessment, selection of treatment, and management of the disease.  ·       The psoriasis disease classification system is evolving to be more of a patient centered approach.  Many clinicians are now using the International Psoriasis Council (IPC) or 2 bucket approach to identify whether someone should receive a topical or systemic treatment based on location and response to treatment, as well as impact on quality of life.  ·       With continued research and  development, the next 5 to 10 years could see a shift in effective treatment options while also treating sooner to initiate better outcomes for people living with psoriasis and psoriatic arthritis. Guest Bios:   April Armstrong, M.D., M.P.H. is an internationally renowned dermatologist and clinical researcher who is a Professor and Chief of Dermatology at the University of California Los Angeles (UCLA) where she specializes in inflammatory skin diseases such as psoriasis, atopic dermatitis, and hidradenitis suppurativa (HS). Dr. Armstrong is also the Co-Director for Network Resources at the UCLA Clinical and Translational Research Institute. She has conducted over 150 clinical trials and published over 350 high impact articles in scientific journals. Dr. Armstrong holds multiple leadership positions including the immediate Past Chair of the National Psoriasis Foundation Medical Board, Co-President of the Group for Research and Assessment of Psoriasis and Psoriatic Arthritis (GRAPPA), councilor for the International Psoriasis Council, and board member for the International Dermatology Outcome Measures and the American Academy of Dermatology.  Benoît Guérette, Ph.D. is an accomplished leader in medical affairs with extensive experience across academia and the pharmaceutical industry. Since March 2025, Dr. Guérette has served as Vice President of Dermatology and Rheumatology US Medical Affairs at Takeda Pharmaceutical. Prior to joining Takeda, he held several strategic and leadership roles at various pharmaceutical companies, including overseeing clinical development, global and U.S. medical affairs, global access & pricing, translational sciences and more. Before transitioning to the industry, Dr. Guérette was an Associate Professor of Immunology at Laval University, leading research in cancer immunology. He holds a Ph.D. in Medicine, Microbiology, and Immunology from Laval University and completed postdoctoral studies in Inflammation and Immunology at  Harvard Medical School.  Jensen is a volunteer and former Lead Youth Ambassador for the National Psoriasis Foundation. Jensen developed psoriasis at age 7 but wasn't formally diagnosed until age 14 being misdiagnosed along the way, trying different management approaches that were ineffective. She was a competitive swimmer from elementary through high school and in the last 2 years of high school played lacrosse. Upon finishing high school she attended college becoming a registered nurse in an intensive care unit. Jensen wants "youth living with psoriatic disease to feel a  community that is behind them and with them every step of the way. I really want to be able to make a difference in a way that would've helped me as a child when I was diagnosed." Resources: Ø  "Reassessing Psoriasis Severity" Advance Online, National Psoriasis Foundation. H. Onorati. January 16, 2024,  https://www.psoriasis.org/advance/psoriasis-severity-high-impact-sites/   Ø  "Psoriasis Involving Special Areas is Associated with Worse Quality of Life, Depression, and Limitations in the Ability to Participate in Social Roles and Activities". Blauvelt, A., Strober, B., Gondo, G., Journal of Psoriasis and Psoriatic Arthritis Volume 8, Issue 3.  https://journals.sagepub.com/doi/full/10.1177/24755303231160683

Learn how to keep your Scout unit funded all year long with smart planning and creative Scouting fundraising ideas! In this podcast, we'll cover Scout unit funding basics, building a BSA unit budget, and practical ways to manage troop finances. Discover year-round fundraising strategies for Cub Scout packs, Scout troops, and crews - from community sponsorships to online fundraisers. We'll also explore how chartered organization support and financial planning can sustain your Scouting program. Keep your Scouts active, equipped, and ready for adventure with these proven Scout fundraising tips and ideas for a sustainable Scouting program.

Recently, ACT Party MP, Laura McClure, has launched a member's bill, proposing the disestablishment of the Broadcasting Standards Authority, or BSA. This member's bill follows a complaint laid to the BSA regarding Sean Plunket's online media network, The Platform. Plunket says the content of his show does not meet the requirements of the Broadcasting Act, and that the BSA had “"woefully and egregiously overstepped its bounds". The BSA, however, says Plunket's show clearly meets the requirements of the ACT. News and Editorial Director Joel spoke to Peter Thompson, an Associate Media and Communications Professor at the Victoria University of Wellington and board member of the Better Public Media Trust, about this member's bill and what the bill is proposing.

For this episode, Jarryd visits Hugh at Tree Makers Bonsai Studio in the Blue Mountains after completing some BSA events in Sydney. They catch up on their activities of the past month and discuss Jarryd's demo Nothofagus styling (with some bloodshed), collecting trips, the opening of the Tondoon Botanic Gardens Bonsai collection, weather updates, the seasonal challenges, hardscaping maintenance, and wire materials.  Love the podcast? You can support us here and 'buy us a coffee' https://buymeacoffee.com/bonsaisidequest Hugh Grant - Tree Makers https://treemakers.com.au/ Jarryd Bailey - Montane Bonsai https://www.montanebonsai.com/  Eve Sczechowski - Yves Media https://www.yvesfilm.com/ 

Looking beyond Eagle Scout? In this podcast, we explore additional Scouting America medals and BSA awards every Scout should know about. From the Honor Medal, Medal of Merit, and lifesaving awards, we cover unique Scouting achievements that recognize courage, leadership, conservation, and service. Discover the National Medal for Outdoor Achievement, religious emblems, and the International Spirit Award. Whether you're in Troops, Venturing, or Sea Scouts, there's more to earn! Celebrate your journey with these prestigious Scout recognition medals and inspire others to do the same.

#531 Norton: The Return. Gareth visits EICMA in Milan, Europe's biggest motorcycle show for the launch of the new range of Norton motorbikes and to meet the people responsible for rebooting this much-loved British bike brand.

Ann talks with Mark Roberts, PA-C, and Dr. Crawford Allison (both of Patient First Direct Primary Care), about their system and health care in central Texas. Next, Ann talks with Dr. Marilyn Goodman, BSN, BSA, DC (of Altrusa International of The Brazos and hotchiropractic.com) about the upcoming Central Texas Turkey Trot. Finally, we get Act Locally Waco from Elizabeth Riley. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tell me how Broadcasting Minister Paul Goldsmith is going to sort the unsortable? The Broadcasting Standards Authority has, deliberately or not, opened a box of whoopee that is playing out all over the world in various forms. In simple terms regulators are trying to work out how to control tech. The problem with regulators is their jurisdiction is limited. The problem with tech is there is no border. The same way a Government isn't going to charge a tech company for nicking news and putting it on their websites, a broadcasting watchdog is not going to control Joe Rogan. The Prime Minister has already worked this out and said so Monday. But then the Broadcasting Minister, in that ponderous sort of surprise-ladened fashion that is unique to Goldsmith, started wondering out loud why the Herald NOW stream wasn't regulated while breakfast television was. That of course is the simple version of the problem. You are only dealing with the difference in transmission mode - terrestrial vs the internet. Next issue - if you are regulating the internet, what internet? Where does it stop and start? Local streaming? What is local streaming? If you are protecting an audience, surely you have to protect them universally? And yet you can't. Even if Goldsmith argues the line that things that look like radio or look like TV are captured, what if the radio consumed in New Zealand originates in London? Next problem - if you regulate the internet, where does that stop and start? Does a podcast look like radio? What about short form vs long form? What about local content on TikTok and, if so, why not all content on TikTok. Answer: because you can't. And if you can't, how is it fair to regulate my TikTok but not Piers Morgan's? Talk about a horse and bolting. Governments look old world. They look “AM” in an "FM" world. They look like they are trying to save letters from the internet. They look like control freaks who don't know how to save their powers. Rightly or wrongly making me adhere to rules while every half-baked weirdo on the net gets to say whatever they like is the cold, hard reality of the here and now. Save yourself the time and the headache and give it up. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Description: In this episode, we'll explore what it means to aim for no compromise in psoriatic arthritis care—addressing both skin and joint symptoms with dermatologist and rheumatologist Dr. Saakshi Khattri and patient advocate Dayna Pham who lives with psoriasis and psoriatic arthritis.   Join moderator Jeff Brown as he asks how patients and their healthcare providers can work in partnership to create a comprehensive, personalized treatment plan that reflects the full impact of psoriatic disease with triple board-certified dermatologist, rheumatologist, and internist Dr Saakshi Khattri, who is also an NPF medical board member, along with Dayna Pham, a patient advocate and volunteer with NPF's advocacy and community engagement teams who is living with psoriasis and psoriatic arthritis. . Whether you're newly diagnosed or navigating long-term care, this conversation is all about advocating for care that supports your whole self—without settling for less.   The intent of this episode is to emphasize the need to be aware of psoriatic arthritis symptoms and once symptoms are present accept no compromise when treating skin and joints to obtain clear skin and painless joints.  This podcast episode is sponsored by UCB. Timestamps: (0:23) Intro to Psoriasis Uncovered and guest welcome dermatologist, rheumatologist, and internist Dr. Saakshi Khattri and Dayna Pham, a patient advocate and medical student living with plaque psoriasis and psoriatic arthritis. (1:38) Psoriasis is more than skin deep with an inflammatory connection between the skin and joints. (3:03) The onset of psoriatic arthritis can be confusing. Healthy skin and joints should be the expectation without having to compromise on life's goals. (4:16) Knowing the association between psoriasis and psoriatic arthritis from the beginning is important to avoid delay in diagnosis and treatment. Be aware of systemic symptoms and discuss risks with a health care provider. (6:18 ) The goal of treatment is to achieve meaningful and lasting improvement in skin and joint symptoms.   (7:56) Treatments have evolved to target known drivers of inflammation in psoriasis and psoriatic arthritis. (8:29) The IL-17 family is a key cytokine with 6 related signaling molecules. IL-17A and F play a role in the inflammatory process related to psoriasis and psoriatic arthritis. (9:48) What discussion about treatment goals could include between a patient and health care provider. (13:19) If you have psoriasis and psoriatic arthritis you should feel empowered to speak up, seek answers, and find a treatment that offers no compromise on achieving clear skin and healthy joints.   Key Takeaways: ·       Psoriasis is an immune mediated disease that results in systemic inflammation that can affect        both the skin and joints. Unfortunately many people do not realize their joint symptoms may          be related to their psoriasis.  ·       The purpose of treatment which uses a variety of mechanisms of action targeting specific cytokines such as TNF-alpha, IL-12/23, IL-23, IL-17 is to achieve meaningful and lasting improvement in skin and joint symptoms. ·       If you have psoriasis and psoriatic arthritis you should feel empowered to speak up, seek answers, and to work with your health care team to identify goals and treatment choices that aim to preserve quality of life. Guest Bios:   Saakshi Khattri, M.D., MAS, is a triple board certified medical dermatologist, rheumatologist, and internist in the greater New York area who serves on the medical board of the National Psoriasis Foundation. She is the Director of the Center for Connective Tissue Diseases at Icahn School of Medicine at Mount Sinai. Dr. Khattri's area of interests include inflammatory and autoimmune skin diseases especially those with a rheumatology/dermatology overlap like psoriasis and psoriatic arthritis.  She is actively involved in research and clinical trials for psoriasis and psoriatic arthritis where she seeks to identify immune pathways that lead to new biomarkers and treatments. Dr. Khattri is extensively published  in peer reviewed journals and is also a member of the International Psoriasis Council.                                                                                                                                                                  ​Dayna Pham is  a patient advocate, medical student, and volunteer with NPF's advocacy and community engagement teams who lives with psoriasis and psoriatic arthritis. Dayna's psoriasis journey began at age 21 when she discovered bumps on her back which became plaques. Within weeks her body was impacted head to toe with plaque psoriasis, at 40% BSA.  After being misdiagnosed and undertreated for a few months she eventually found a dermatologist who diagnosed her with moderate-to-severe plaque psoriasis and prescribed a biologic. She's 25 now and seeks to live her fullest life possible while balancing her psoriasis and psoriatic arthritis. Resources: ·     Learn more about psoriatic arthritis from symptoms, diagnosis, treatment options to      coping with the disease. Ø  ·      Armstrong A, Levit NA, Schneider B, et al. Patient-identified treatment goals for psoriatic                 disease: Results from a US patient survey.  J Psoriasis Psoriatic Arthritis. 2025;10(1):1–11.    

One complaint to the BSA has the PM claiming 'overreach' and his minister pledging reform - while politicians and lobby groups call for the watchdog to be put down. Paula Penfold ponders personal impact of reputation-ruining scoops.Go to this episode on rnz.co.nz for more details

In this ICYMI article-read, i+s Editor-in-Chief Carrie Meadows unpacks the renewed federal design directive from her article, “Architectural Community Responds to Trump's Executive Order on Federal Design,” originally published on Sept. 3, 2025, and why it's drawing pushback across the A&D community. You'll hear a concise overview of the order's call for classical styles, a quick history lesson on the 1962 “Guiding Principles for Federal Architecture,” and how groups like AIA, ASLA, the BSA, and the Society of Architectural Historians are responding. The episode explores what's at stake for community input, design innovation, and sustainability in federal projects—grounded with examples like the U.S. Tax Court and the rebuilt Alfred P. Murrah Federal Building—and closes with an editorial perspective on keeping civic architecture democratic, evidence-based, and future-forward.

338: Rebuilding When Your Fundraising Flatlines (Andy Price)SUMMARYSpecial thanks to TowneBank for bringing these conversations to life and for their commitment to strengthening nonprofit organizations. Learn more about how they can help you at TowneBank.com/NonprofitBanking.When your fundraising model stops producing results, how do you rebuild your organization's financial health while keeping your team and board engaged? In episode #338 of Your Path to Nonprofit Leadership, Andy Price, CEO of the Grand Canyon Council, Boy Scouts of America, shares the leadership principles and practical strategies that helped him turn years of deficit into sustained financial growth. Andy explains how he identified the warning signs of stagnation, rebuilt donor confidence, and diversified income streams to ensure long-term stability. He also shares insights on strengthening board partnerships through transparency, trust, and accountability. ABOUT ANDYAndy is the CEO of BSA's Grand Canyon Council, based in Phoenix, Arizona, where he has led a remarkable organizational turnaround since 2018. Under his leadership, the Council has achieved five consecutive balanced budgets, diversified revenue streams, and restored trust with key stakeholders. Before joining the Grand Canyon Council, Andy served as Chief Operating Officer of the Circle Ten Council in Dallas, Texas - one of the largest Scouting councils in the country - where he oversaw financial operations, membership growth, and program innovation across 24 counties. Earlier, as CEO of the Golden Spread Council in Amarillo, Texas, Andy led significant growth in both youth participation and fundraising, earning multiple Journey to Excellence honors. Andy began his career in banking before transitioning to nonprofit leadership, bringing a disciplined, results-oriented approach to financial management and strategic planning. His career in Scouting has spanned more than 25 years, including key roles in Georgia and Alabama councils, where he helped launch new programs and expand outreach.EPISODE TOPICS & RESOURCESRevenge of the Tipping Point by Malcolm GladwellLearn more about the Grand Canyon Council at grandcanyonbsa.orgReady for your next leadership opportunity? Visit our partners at Armstrong McGuire & Associates at armstrongmcguire.comLearn more about the Mastermind Leadership Program (pmanonprofit.com/mastermind)

At the end of each week, Mike Hosking takes you through the big-ticket items and lets you know what he makes of it all. Matt Payne: 9/10 Highlight of the week. Didn't just win but won one of the best. Dreams coming true at 280km/h doesn't get any better than that. The ceasefire: 8/10 The rest is yet to unfold but Tuesday was a win for a lot of people. Gail Parata: 8/10 My hero of the week. Standing on principal and speaking out is increasingly rare these days. Good on her. The BSA: 2/10 Interventionist, sticky beak, trying it on, full of their own self importance - pick a term. The cold, hard truth is very few in broadcasting give a monkeys, given their irrelevancy. Brian Tamaki: 8/10 Got turned down on closing the Auckland Harbour Bridge. Good. The bridge is for transport, not politics. LISTEN ABOVE FOR MIKE HOSKING'S FULL WEEK IN REVIEWSee omnystudio.com/listener for privacy information.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors, host Mark Treichel sits down with Scott Gladden and Kenny Ray Mitchell of Innovations Credit Union to preview the CUES Florida Council Cruise happening January 16–20, 2026. This unique event combines professional development, networking, and a Caribbean getaway—all tailored for credit union leaders, board members, and supervisory committees.What You'll Learn in This Episode:The origins of the CUES Council Cruise and how it became a 20-year tradition of education and collaboration.Event details: sailing on Royal Caribbean's Radiance of the Seas from Fort Lauderdale to Grand Bahama Island and Nassau.Why the cruise is open to all credit union professionals across the country—not just Florida.The speaker lineup, including:John DeLoach, credit union attorney (compliance, BSA, OFAC updates)Trey Rudder, Corporate America (financial training for boards and committees)Mike Mola, Olden Lane (industry consolidation, subordinated debt)Mark Treichel, Steve Farrar, and Todd Miller of CU Exam Solutions (strategies to pass your NCUA exam with flying colors)Perks of the cruise: deluxe beverage package, included Wi-Fi, networking receptions each evening, and a relaxed but focused learning environment.How the informal conversations—over coffee, dinner, or a glass of wine—often prove just as valuable as the sessions themselves.Why Attend? If you're looking to combine professional development with a January getaway, the CUES Council Cruise is an affordable, high-impact option. You'll return with new insights, stronger connections, and renewed energy to lead your credit union.Event Info

Today on the show we hear more of your Lame Claims To Fame, and run through a little more work toilet admin. Plus Jerry runs through his latest BSA complaint, and can we find Tuipoloa Evan Charlton?See omnystudio.com/listener for privacy information.

Banks have been using natural language processing and machine learning applications for years in managing their anti-money laundering and Bank Secrecy Act obligations. But how does the growing adoption of generative AI tools affect how BSA and fraud professionals protect their banks? On the latest episode of the ABA Banking Journal Podcast — presented by Agri-Access — former FDIC official Lisa Arquette shares a regulator's-eye view of generative AI in the BSA world and how regulators have been approaching the technology for their own work. Joined by ABA SVP Heather Trew, Arquette also discusses: The state of play on banks' beneficial ownership reporting obligations. Other elements of implementing the AML Act of 2020. How regulators weigh AML/BSA performance when approving mergers and acquisitions. Fluctuations in AML/BSA compliance investments through the economic cycle. The low number (1%) of BSA-related examinations at the FDIC that result in enforcement actions. Register for the ABA Financial Crimes Enforcement Conference, Oct. 14-16 in Arlington, Virginia.

What if you could run your recruiting firm on autopilot while launching a completely new business? Brian Gabay has mastered this balance—his 5-person team makes placements without him while he builds a tech startup. Brian founded Brian Simon Associates (BSA) in 2016, specializing in PR and marketing recruitment. He built systems, transforming his business from constant attention to running independently. This freedom allowed him to launch Arrange AI, eliminating interview coordination, which consumes 70% of recruiters' admin time. Brian reveals his framework: getting your entire team on client calls, his "hire two people" strategy, and the mindset shift to step away from daily operations. Plus, surviving a 6-month placement drought taught him the resilience needed to juggle multiple ventures. Episode Outline and Highlights [7:19] The reality TV opportunity that came at the worst time [8:11] How a 3-year kidney donor search taught him resilience [19:50] Why are placed candidates overlooked for new business [20:27] Daily LinkedIn habit: One new connection PLUS one reconnection [23:40] Surviving the drought: First placement took 5-6 months [26:14] The 6-month cash cushion rule for going solo [36:35] Hiring strategy: "If you like two people, hire them both." [44:27] Why 70% of recruiting time is wasted on scheduling [50:18] Game-changer: Getting your entire team on client calls [52:58] Building systems: "Placements happen without me" Building Through Setbacks Brian's approach to adversity was forged through personal crisis. With his father on dialysis, Brian applied recruiting skills to find a kidney donor. "I wasn't a blood match. Neither were my sisters. He's type O... I searched for three years. There was a dark world out there. People wanted money... My dad's life is on the line." The breakthrough came through Jennifer Wolf, who responded to his outreach "just like we would do on LinkedIn." When Fox discovered his YouTube video and offered him a spot on "Home Free" to compete for a house for Jennifer, the timing couldn't have been worse. The 6-Month Rule Brian's practical approach began with planning: "I saved enough to pay rent for six months. That was my cushion... I need to make a placement within six months. If I can't, then maybe this is not for me." His advice emphasizes transparency: "If you're starting your own firm and leaving your current one, have a transparent conversation... Even if these are connections you made yourself, it was created under someone else's umbrella. Leave on good terms." From Solo to Scale After three years solo, Brian began building a team. When he discovered an employee ignoring candidate emails, instead of retreating, he refined his approach: "Out of 10 people, if there's two you really like and you're on the fence, hire both. If one doesn't work out, you still got a really good one." The transformation came from one change: "Having them involved in all client calls... Now if it's a new business call, it's all five of us. They meet the client, ask questions, take notes... I've seen the ownership kick in." This freed Brian to launch Arrange while BSA operated: "Sometimes there's placements being made and I'm not involved at all." Brian Gabay Bio Brian Gabay founded BSA in 2016, specializing in PR, Marketing, and Digital/Social recruiting. He's partnered with recognized PR agencies and brands nationwide. With over a decade of experience, Business Insider named him one of the top PR recruiters in the country. Earlier this year, he launched Arrange AI—a smart scheduling tool for recruiters coordinating meetings between external parties. Brian on LinkedIn Arrange AI: arrange.ai BSA: briansimonsassociates.com Resources Mentioned "Home Free" on Fox Tim Tebow on LinkedIn Connect with Mark Whitby FREE strategy call: recruitmentcoach.com/strategy-session LinkedIn | Twitter: @MarkWhitby Facebook | Instagram: @RecruitmentCoach Subscribe to The Resilient Recruiter

Teenaged Sabrina Wang has the distinction of being one of the first girls--Asian American or otherwise--to earn the coveted rank of Eagle Scout in what is now known as Scouting America. Formerly known as the Boy Scouts of America, the organization recently fully embraced a significant rebranding, opening its programs now to girls and LGBTQ+ youth while retaining traditions like the Scout Oath and mission. Sabrina's enthusiasm for becoming a Scout speaks volumes to the success of this effort. And her attaining the rank of Eagle Scout speaks volumes to her leadership abilities and determination.

- Tornado Cash CoFounder Roman Storm Found Guilty of Unlicensed Money Transmission Conspiracy https://www.therage.co/roman-storm-trial-split-verdict-tornado-cash/ - SEC Commissioner Hester Pierce Slams Bank Secrecy Act https://www.therage.co/sec-commissioner-hester-pierce-slams-bank-secrecy-act/ - OpenSats Impact Report: Developer Libraries https://opensats.org/blog/advancements-in-developer-libraries - Strike Business Bill Pay https://x.com/jackmallers/status/1952758452259889155 - Strike loans live in Missouri https://x.com/Strike/status/1953101356568305773 - SLNT Now Accepting Bitcoin https://primal.net/e/nevent1qqszqm64sqkrp6jn64zsxwz8y7vjkavgt4jjujlc3mmpeh3l2rzxy4gfrttf5 - EU Chat Control Coming in October https://www.zerohedge.com/technology/chat-control-eu-proposal-scan-all-private-messages-gains-momentum - Burma | Invasive Cybersecurity Law Comes into Full Effect In January, this newsletter reported on a repressive cybersecurity law enacted by the military junta in Burma that empowers officials with sweeping controls over digital spaces. Last week, that law came into full effect. It criminalizes the use of VPNs, mandates that platforms store and hand over user data to officials upon request, and allows authorities to shut down Internet access at will. It also empowers regime-aligned law enforcement with the absolute authority to check citizens' phones on the street. Penalties include up to six months in prison for sharing posts deemed “misinformation” or for using encrypted apps (like VPNs) to access information. Reports have already surfaced of police extorting bribes from people at checkpoints for having VPNs or “illegal social media” like X, Facebook, or YouTube on their phones. The law poses immediate threats to journalists and activists critical of the military regime or using privacy tools. Amid the junta's effort to stage a sham election to expand militarized control, this deepens Burma's retreat from civic freedoms and shrinks the already fragile space for independent voices and the free flow of information. FinancialFreedomReport.org - OpenAI GPT-OSS 120B https://primal.net/e/nevent1qqsw9z858hlpxkyc2h2kza9svqzu38hprs45pn334uprecggfw3gqtgpwwskw - Primal iOS 2.3.56 https://primal.net/e/nevent1qqswmxlw8tdt7k375a0qvutdfx3pagd3lu8khxhyycjy3z7qpj5t9ssrpej07 0:00 - Intro 2:35 - Higher 6:50 - Dashboard 12:02 - Roman Storm found guilty 25:54 - SEC commissioner slams BSA 31:38 - EU chat control 36:50 - Ministry of Truth 40:11 - OpenSats 44:01 - Strike announcements 48:25 - Boosts 52:09 - HRF Story of the Week 55:25 - SLNT accepts bitcoin 1:10:10 - Maple GPT-OSS 1:26:48 - Primal update Shoutout to our sponsors: Coinkite https://coinkite.com/ Bitkey https://bitkey.world/ Stakwork https://stakwork.ai/ Follow Marty Bent: Twitter https://twitter.com/martybent Nostr https://primal.net/marty Newsletter https://tftc.io/martys-bent/ Podcast https://tftc.io/podcasts/ Follow Odell: Nostr https://primal.net/odell Newsletter https://discreetlog.com/ Podcast https://citadeldispatch.com/

Hello and welcome to Front End Chatter, and it's episode 215 of the long-running motorcycling podcast with him, Martin Fitz-Gibbons, and him, Simon Hargreaves – and immense thanks as always to the ever-supportive Bennetts, Britain's best-by-miles bike insurer, and the magnificent bikesocial.co.uk, the website with all your info on the latest new bikes, used bikes, classic bikes, news, reviews and product tests. Right, on with the show – and, today, we're in for a reborn, reinvented, reimagined, reincarnated treat... because: • Suzuki's GSX-R1000R is back, baby, for 2026 – and we have all the details, hot off the emails from Hamamatsu: power, weight, colours and tech. You can read about it elsewhere – but you can only hear about it, er, here • KTM are back, baby – details of production starting again in Austria; the what, the when, and the how many • BSA's Bantam is back, baby – yes, after only half a century, the owners of BSA, Mahindra, decide to resurrect the name for their new 334cc single roadster, as a direct rival to Honda's GB350S • and of course the FECsack is back, baby – more musings, ponderings and queries from you lot to us lot about that lot Thanks for listening, please email your own compositions and questions and congratulations to Mufga on his new job to: anything@frontendchatter.com – and we'll do our best to read them out.   Thank ee again, and see you on the backside, baby!